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Richard Bruno by Françoise | Obituaries

Richard Bruno by Françoise |  Obituaries

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It’s generally secure to utilize the financial marketplaces online for getting short term loans, particularly when a plethora of loan sharks are lurking in the shadows. Certain financial marketplaces online are reliable lender matching service providers available. They’ve been working over many years to help fulfill the dreams of those afflicted due to bad credit, and help their lives better.

Richard Bruno fromFrancoise


Dec. 2, 1932
17 October 2021

RichardBruno “Dick” DeFrances, 88, from Franklin was died on the 17th of October, 2021, in the Cooperstown after an illness that lasted only a few minutes.
Richard was born the 2nd of December 1932, in Brooklyn in Brooklyn. He was sole one child born to Gerda DeFranceschi and Joachim Bruno. Many of Dick’s most memorable memories of his childhood occurred at EbbetsField watching the BrooklynDodgers. After attending school for a number of years in Brooklyn Dick completed his studies at SUNY Cortland as well as ColumbiaUniversity. Richard was a student in Mexico during that summer of 1964 but he never said the trip was part of an scholar at Fulbright. He was also a soldier in the US Army.
Dick got married and met SandraJean White while she is teaching history class at Malverne. They had 2 children and relocated into NorthSalem in 1967 when Richard took on a position as a teacher in WestlakeHigh School in the Thornwood. Every summer, he along with Sandy took their 2 children along with their tents made of canvas to spend two weeks in national and state parks. They also visited historic places on the way.
Richard was a track and field coach as well as cross country for a long time. decades. He was also the originator of the WestlakeInvitational, a highschool crosscountry event that expanded to 120 highschools spread across five states. It is among most prestigious across the Northeast. Then, in NorthSalem, he does launched an annual race that ran seven miles through the TiticusReservoir that had drew hundreds of runners, and showcased his picturesque town. As an history buff of NorthSalem, Richard was thrilled to share with anyone who asked about the town’s fascinating heritage, from its times of the Revolutionary War to the early times of the Bailey and Barnum Circus.
When running was not a common sport, Richard could had been seen running for miles and miles across NorthSalem. Dick participated in several hundred road races throughout his time as well as the 18NY City marathons. The passion for running was evident even after Sandy’s demise in the year 1986. Dick did eventually find love and got married to SoniaMullins and soon Franklin was also introduced to him as the MadRunner.
Richard’s retirement from teaching lead to his new job as a bookseller. Dick founded The Poor Richard’s Books Barn located on the property of their family in Franklin and was a fan of looking for the most sought-after first editions. Dick as well as Sonnie drove not just once, two times from their residence located in New York City to Alaska in search of their journey through the Gold Rush adventures of Sonnie’s father when he was camping on the rear of their pickup. The driver also took Sonnie to his beloved SnowshoeLake where he had been on vacation with his family. He was also able to create an winter-themed educational outdoor programme for the Westlake. In this special class, he instructed students about the history of Adirondack throughout the school year. He then took students out to RaquetteLake for a week of winter sports in the outdoors on the facility of SUNY Cortland.
Richard has been survived by his wife SoniaDeFrances of Franklin and his son JohnDeFrances of Atlanta, Georgia and Daughter DebraHannigan of York, Maine; 6grandchildren, Kevin (Jamie), Elyse, Tommy (Melissa) Hannigan and Gracie, Tommy and Jack DeFrances and 3 great-grandchildren Judson, Evelyn and Henry. Additionally, he is survived 3 stepchildren: Marti Brueckner (Gunter) of West Simsbury, Connecticut; Jennifer Mullins (Elaine Campbell) of Conway, Massachusetts and Shaun Mullins (Donna) of Buffalo and their families.
There will not be funeral services unless Dick’s wishes are met.
If you’d like to pay tribute to Dick’s memory you can consider making a donation for the “DeFrances Scholarship” on Cortland.edu. Hit”Donate,” then click on the “Donate” option and then select the location or make a cheque made with the following address: Cortland College Foundation Cortland College Foundation Box 2000 Cortland, NY 13045 in the memo line”In the memory of Richard DeFrances ’54, “The DeFrances Scholarship”.

The publication date is 20 October 2021.

SA Crime Statistics and Joburg City Loan


Here’s your morning update: an easy-to-read selection of our best stories. Stay up to date with The Citizen – More news, your way.

Daily News: November 24

Crime statistics: more than 7,000 murders committed between July and September

Police Minister Bheki Cele and South African Police Service (Saps) officials have revealed the crime statistics regarding the murder rate in the country.

Cele and officials briefed the Parliamentary Police Portfolio Committee on crimes reported to SAPS from the second quarter of the 2022/2023 financial year, July 1 to September 30, 2022.

The murder rate is up significantly from the 6,163 murders committed during the same period last year.

According to statistics, there were 7,004 murders during the reporting period, an increase of 841 (13.6%) from the previous quarter.

“The city of Joburg will be able to repay its loan,” says Mayor Mpho Phalatse

Johannesburg Mayor Mpho Phalatse. Photo: Neil McCartney

Joburg City Mayor Mpho Phalatse said the metropolis could find itself in a “difficult financial situation” if it failed to secure a short-term loan.

Phalatse briefed the media on Wednesday, providing clarification on the city’s finances ahead of a council meeting, which will see another no-confidence motion tabled against the mayor.

Earlier this month, the council rejected one billion rand short-term loan from the Development Bank of Southern Africa (DBSA) with the opposition demanding answers from Phalatse on how the city would repay the funds.

READ MORE: Minority parties could dump ANC for Al Jama-Ah as battle for Joburg rages on

Pit bull owner who killed child in Free State charged

Bloemfontein SPCA at the scene where a pit bull was shot after attacking Olebogeng Mosime in Vista Park, Bloemfontein earlier this month. Illustrative photo: Bloemfontein SPCA

The owner of two pit bulls responsible for mutilating a three-year-old child to death in the Free State has been charged and released on bail.

The dogs, belonging to Lebohang Pali, 21, attacked and killed Keketso Saul on Sunday.

Pali was arrested Monday morning and charged with keeping dangerous dogs under the Animals Act Amendment Act, OFM News reported.

He was released on R300 bail and will appear in court again on Wednesday morning.

Corrections to appeal SCA decision on Zuma’s medical parole

Corrections to appeal SCA decision on Zuma's medical parole
File photo: Former President Jacob Zuma speaks during a press conference in Sandton, Johannesburg on October 22, 2022. Photo: Michel Bega

The Department of Corrections said it would file leave to appeal Monday’s judgment by the Bloemfontein Supreme Court of Appeal on the medical parole of former President Jacob Zuma.

“After carefully reviewing the judgment, the Correctional Service is convinced that another court could come to a different conclusion. DCS is considering this course based on the interpretation and application of the Corrections Act and other relevant prescriptions, spokesperson Singabakho Nxumalo said in a statement Wednesday evening.

South Africa continues to shine on the international stage at the Emmy Awards

Image: Provided

My better worlda 55-episode television series, produced by South African company Fundi Films in collaboration with Johannesburg-based MAAN Creative for Impact(Ed) International (formerly Discovery Learning Alliance), won an International Emmy Award for Kids: Factual & Entertainment at the prestigious awards ceremony in New York on November 21.

Talk to The citizen Tuesday, Chris Morgan, South African series producer at Film Funds said the award recognizes great African storytelling and the talent of their team of writers, animators and documentary filmmakers.

“This award is great recognition for a great team. 100 creatives from seven African countries with 35 South African animators,” he added.

SEE ALSO: Tickets now on sale in South Africa for “Avatar: The Way of the Water”

Mahlatsi camp unhappy with lack of playing time at Chiefs

Kamohelo Mahlatsi’s side are said to be unhappy with his lack of playing time at Kaizer Chiefs. (Samuel Shivambu/BackpagePix)

Kaizer Chiefs striker Kamohelo Mahlatsi’s side are not happy with the 24-year-old’s involvement, or lack thereof, in Arthur Zwane’s squad this season.

READ ALSO :Blom’s wage demands divide Kaizer Chiefs management

Mahlatsi has been tipped to be a favorite in Zwane’s new side but what happens isn’t exactly what the former SuperSport United and Swallows winger has been promised.

“We all understand that everyone has to work hard to get a spot on the team,” a source said.

College couple turn pain into purpose


When Norval Mendez took the mic at the NCB Foundation’s Youth Empowerment Summit (YES) last Saturday, no one could anticipate the powerful testimony of struggle and triumph that was to follow.

“You see my position here now, I was half this size when I attended YES’s first staging in 2017,” Mendez shared. “I barely had the money to buy lunch when I started college [of the West Indies, Mona Campus], and it affected my mental well-being. Thinking about how I was going to find the funds to buy my next meal derailed me from my studies.

But Mendez shared that he didn’t allow the desperation he felt to control the outcome of his life. As a higher education scholarship holder from the NCB Foundation, he had the opportunity to participate in the first YES.

“After attending the summit, it sparked so many ideas. I wanted to be the change and so I embarked on a journey to find lasting solutions. In any life situation, you have two choices; you can either succumb to the issues you face or be a game changer, Mendez continued.

Mendez and his wife Claudine, who is also an NCB Foundation scholar, found the purpose of starting a food pantry in 2017, in response to food insecurity issues faced by college students. The initiative began by collecting food donations and distributing them to students and has since been adopted by the GraceKennedy Foundation, as the GK Campus Connect Food Bank at the UWI Student Union, Mona Campus.

Also five years ago, they also established a digital solutions agency, DigiTalawah, providing digital marketing services to start-ups, small and large businesses looking for a boost in online brand awareness.

The couple offers software development, app development, professional email setup, social media management and website security.

However, Mendez credits his soul mate, Claudine, with driving their innovative ventures. “I couldn’t have done all of this without the support of my wife, who kept me grounded and gave me hope when the going got tough,” he said.

When he invited her to the microphone, she captivated the audience with the strength of her faith in their dreams and aspirations.

“I believe in him because he is the kind of person who is always persistent and will work to overcome any adversity. His willpower is such an inspiration and I know that as a team we will achieve great things” , said Claudine.

The Mendez family is grateful for the start they received from the NCB Foundation’s suite of support programs, which included the flagship scholarship and grant program and the Level Up grant program.

The Mendez were among 200 participants in the second edition of the Youth Empowered Summit (YES) held on Saturday, November 19, 2022.

The hybrid event facilitated in-person and online engagement with alumni of the NCB Foundation’s suite of programs, including the CSEC National Fellowship Program; Scholarships and Grants Program; Partnership Amber HEART Coding Academy; Top Tier Grant Program and Grant A Wish Program.

Participants held discussions with powerful financial expert Kalilah Reynolds; mental health coach Krystal Tomlinson and digital mogul Alicia Lyttle on how to understand, manage and improve their mental health, wealth and digital skills. The discussions were moderated by Youth Ambassador and NCB Foundation Board Director, Emprezz Golding.

The NCB Foundation has invested over $1 billion in education to date and is now focused on playing a vital role in Jamaica’s digital transformation by expanding the pool of digital producers. The Youth Empowerment Summit is one of many initiatives through which the Foundation supports young Jamaicans alongside its mandate.

Edison approves improvement projects | News, Sports, Jobs


RICHMOND — More improvements are coming to Edison High School as school board members tackled a number of projects on Thursday.

The board approved a $123,600 bid from Wheeling-based Peddicord and Son to paint the high school, which will refresh 55,000 square feet of the building’s exterior plus the annex. Superintendent Bill Beattie said the contractor wanted the work done by the start of the next school term.

“They hope to start prep work in the spring and paint through the summer, said Superintendent Bill Beattie. “He should be ready in early August.

Leaders have also approved a $25,000 bid from Buckeye Mechanical Contracting of East Liverpool to complete the masonry of the farm building, and expect it to be ready soon.

“The farm building is part of the greenhouse project and we are making updates to the facade on the rest of one side to match the brick and aluminum of the country house,” Beattie explained. “We hope to have it done by the end of the year, but we still need to add the greenhouse.”

Beattie announced that the outdoor pathway on campus has been completed. however, it will not be open to the public until the spring. Fairfield Landscape of Canonsburg, Pennsylvania completed the $532,000 project with Burgettstown, Pennsylvania-based JTSA Sports for architectural and engineering services. The 1.5-mile wooded trail, which stretches 8 feet wide, meanders from campus into nearby woods but also reverses and hikes can span a total of 3.1 miles. Beattie noted that the trail could be used for purposes other than health; other ideas are to use the area for science classes and other forms of outdoor education. Federal emergency relief funds for elementary and secondary schools were used to cover the costs.

“We are waiting for the installation of benches and suitable trail stations” Beattie added.

Similarly, the board approved Carrie Rudy and Sarah Koehnlein as part-time supervisors of the new fitness center. The site, which is located on the second floor of the clubhouse, is open to the public weekdays from 6 a.m. to 8:30 a.m. when school is in session but remains closed when the district has two-hour delays and cancellations. Beattie said the center has been busy since opening its doors with an average of five to seven clients per day.

In other actions, the council:

– Spotlight district educators Miguel Brun, Kathy Ramsey and Jordan Tice, who each received $660 Best Practices Grants from the Jefferson County Educational Service Center for their projects. JCESC Intervention Specialist Patty Ferrell presented and said the trio had submitted innovative ideas for student learning;

— Heard a presentation from Mike Paris, a representative of Coral Reef Partners of Pennsylvania, who provided an overview of the solar energy company and the benefits of solar panels on energy costs and consumption. No action was taken at the conclusion.

– Approved a $5,000 grant from the Tulsa Community Foundation to upgrade the entire fleet of approximately 20 district buses. Deputy Superintendent Julie Kireta submitted the grant and officials said it would improve communications coverage.

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Are the members of the Jewish Power party radicals, militants or ideological diehards?


New Knesset member Limor Son-Har Melech seen the day before the opening session of the Knesset in Jerusalem on November 14, 2022. (Photo: Yonatan Sindel/Flash90)

Jewish power surged in the November 1 election, winning six seats and bringing in relatively unknown politicians for the first time who have now been sworn into the 25th Knesset.

With no political record to report, we know very little about them. What little we can gather comes from left or right media sources, both favorable or unfavorable to the philosophy of the far-right party.

The left sees them as extremists while the right paints a more conciliatory and positive image of them as Jews seeking to reclaim the biblical heart.

Nevertheless, here is a brief overview of the six members of Jewish power (Otzma Yehudit in Hebrew) who will shape the policy of the next government.

1. Itamar Ben Gvir

Itamar Ben Gvir was the big winner and the “monster phenomenon” of this election. On election night, Ben Gvir was greeted by his supporters who exuberantly chanted that he is the next prime minister. “I’m only 46 – there’s still time,” he replied.

The young politician, who once served in the Knesset, was engage in political activism from the age of 14 and was rejected by the Israel Defense Forces for his association with the Kach party – designated a terrorist group by Israel.

The activist-lawyer-turned-politician has made a career defending suspects in cases of Jewish terrorism and other hate crimes, including two Jewish teenagers charged in the arson attack that killed three members of a Palestinian family and the man convicted of burning down the church. of the Loaves and Fishes in 2015.

At the election night ceremony, he thanked Bentzi Gopstein – director of the radical anti-assimilation group Lehava, who led violent protests at Jewish and Christian messianic events and once said that Israel should expel all Christians.

Jewish Power party leader MK Itamar Ben Gvir speaks during a faction meeting at the Knesset in Jerusalem on November 15, 2022. (Photo: Olivier Fitoussi/Flash90)

More recently, Ben Gvir wields his gun at least twice against Arabs – once during a demonstration in Jerusalem’s Sheikh Jarrah neighborhood and once against parking attendants.

He was found guilty of incitement to racism, destruction of property, possession of propaganda material of a “terrorist” organization.

Ben Gvir’s stance on security — he advocates the expulsion of terrorists — and his frequent visits to the Temple Mount have resonated with Israelis from all walks of life, concerned about the Jewish character and state security. ‘Israel.

At recent rallies ahead of the elections, his supporters changed their slogan from “Death to Arabs” to “Death to Terrorists”.

2. Yitzhak Wasserlauf

Wasserlauf, 30, is the youngest member of the 25th Knesset. According to a report, Wasserlauf favors the deportation of non-Jewish African asylum seekers and has been called an anti-Palestinian activist.

He takes a tough stance on security: “A soldier in combat must focus on how to fight and how to win. Stones can kill and a terrorist throwing stones must be shot.

“Nowadays, when a soldier goes into battle, he must first plan which lawyer he will take and what the military prosecutor will charge him with the next day while he is comfortably seated in his suit and black robe in a air-conditioned room, Wasserlauf said on Army Radio.

A Ben Gvir loyalist, Wasserlauf split his military service between a yeshiva and a combat unit.

With regard to the questions of Judaism, it said the Reform Jewish movement “has wrought enormous destruction on American Jewry, assimilation is a terrible blow. They mock religion.

3.Almog Cohen

Ben Gvir called Cohen “the warrior of the Negev”. Indeed, the 35-year-old Cohen established a civilian patrol (called in some accounts an armed militia or vigilante group) to “fight crime among the Bedouin”. He previously served in the Israel Police for 11 years after his military service.

Cohen cleaned up his social media accounts ahead of the election, but some posts were caught in the media. In one he referred to the Department of Justice as “the attack dogs of post-Nazism”.

He also recently posted a photo of himself as a policeman kneeling on top of three Bedouin men with the caption: “Those over there remember what I did in the army.” The message, however, allowed the men in the photo to identify Cohen and press charges. They testified that Cohen and other officers assaulted them, urinated on them and threatened them “with a bullet to the head”.

Cohen also called for an operation against the Bedouins in the Naqab, which he called “Crystal Night”.

4. Rabbi Amichai Eliyahu

Eliyahu is married, has six children, and is the son of Chief Rabbi of Safed Rabbi Shmuel Eliyahu and grandson of Rabbi Mordechai Eliyahu, a former Sephardic Chief Rabbi of Israel.

This religious heritage perhaps underscores Eliyahu’s statement that he wants to connect all citizens of Israel “under a banner of love for the Torah, love for the nation of Israel, and love for the land. of Israel”.

Ben Gvir called him “a genuine representative of the public wearing the knitted, transparent yarmulke who fights for Jewish identity.”

Eliyahu slammed former transport minister Merav Michaeli – who had a baby through surrogacy – when she promoted public transport on Shabbat.

“Whoever bought a child on Amazon will not educate us,” he said.

Eliyahu opposes LGBT relations: “It’s forbidden, it’s the opposite of Judaism, it’s against the will of the [God], it’s not natural, it’s not normal, it’s not healthy. It’s bad.”

Eliyahu’s father said that renting or selling Jewish-owned property to Arabs is prohibited and that women serve in IDF combat units.

5. Tzvika Fogel

Brigadier General Tzvika Fogel, married with three children, is a member of the Israel Defense and Security Forum, an organization that supports the annexation of the Jordan Valley.

“An Arab who throws a stone at a soldier should be shot in the head, a Jew who throws a stone at a soldier should be educated,” he said. cited as told.

Fogel, 65, served as head of Southern Command and commander of Southern Command’s fire coordination center during Operations Cast Lead and Pillar of Defense in Gaza. He served in the Lebanon wars of 1982 and 1996.

His columns have appeared in the Jewish News Syndicate.

6. Limor Fils-Har Melech

Son-Har Melech, 43, a mother of 10, is a legend among Jewish settlers in Samaria – the northern West Bank.

She lived in Homesh with her husband, Shuli Har Melech, who was killed in a terrorist attack in 2003. Son-Har Melech – who was pregnant at the time – was injured in the shooting and gave birth, giving birth to their daughter that same night. Homesh – now considered an illegal outpost – began as a secular Israeli community built on Palestinian land, but was later forcibly evacuated by Israel in 2005. Son-Har Melech was among those evacuated in 2005, his home was demolished.

Son-Har Melech later remarried with her two children and had eight more children with her husband, Yehuda. On the day she was sworn into the Knesset, three of her children protested a Palestinian terror attack that left three Israelis dead.

“Proud of my children who were not ready to sit at home while the blood of our brothers flowed like water, and came out to demonstrate tonight at the Shavei Shomron crossroads to protest against security anarchy” , she wrote on Twitter. “I am ending a long day in the Knesset, but despite the Knesset swearing in and the excitement, the joy is not total. When Jews are murdered, we cannot stand idly by, and we must stop our routine and fight for them to be the last victims.


Tzachi Eliyahu is expected to enter the Knesset on the “Norwegian law” which allows a minister who sits in the Cabinet to resign from the Knesset and give up his seat to the next person on the party list.

According to a Channel 12 report, Eliyahu offered his vacation rental to Israelis accused of raping a British tourist in Cyprus in 2019. The report also showed a picture of him urinating on a Palestinian flag and another of a tattoo on his back of the Old City skyline and the caption “Jerusalem is the capital of Israel.”

Elisha Yeredspokesperson for Son-Har Melech, has also served as the spokesperson for Hilltop Youth, a group of ultra-nationalist Jewish settlers who build illegal outposts and frequently clash with Palestinian and Israeli security forces.

At just 22, Yered was arrested in August for looting a Palestinian warehouse. The report showed a video of him stealing materials from Palestinian farmers and an interview in which he said, “Anyone who wants peace lives in fear. I don’t want peace – I’m the owner here.

However, he told right-wing outlet Arutz 7 that “after years of working in PR from the hilltop ‘office’ or from grazing with the sheep via cell phone, we will have to get used to working in the corridors of the Knesset…I hope I’m not screwing up too much, pray for me.

Yered was featured prominently in Channel 12’s report on Hilltop Youth in which he said “the hills are the scene of a war which by Jewish law one is bound to wage”.

Another associate of Jewish power, Moshe Ben Zikri was arrested four years ago while trying to take the stage during the Jerusalem Pride Parade. And Ronen Yisraelihead of Jewish power in Ramle, was recorded during a telephone conversation organizing an armed gang to confront a group of Arabs in the city.

Finally, Ben Gvir’s adviser – Chanel Dorfman – “helped establish an organization that donates money to incarcerated Jewish terrorists and extremists, including former Prime Minister Yitzhak Rabin’s killer Yigal Amir,” according to Channel 13 expose.

The organization, Shlom Asiraich, is supposed to raise funds for several disreputable Israelis serving prison sentences, including:

  • Yosef Chaim Ben David who killed Muhammad Abu Khdeir, a 16-year-old Palestinian in 2014, beat him and set him on fire

  • Amiram Ben Uliel, who set fire to a Palestinian house killing three people including a one-year-old boy

  • Jack Tytell, who murdered two Palestinians in separate incidents and planted a bomb at the home of a Messianic pastor, nearly killing the man’s 16-year-old son

  • Yishai Schlissel, who stabbed 16-year-old Shira Banki to death during the 2015 Jerusalem Pride Parade

Dorfman said Channel 13’s report was wrong.

“Today, you are repeating this story and presenting facts that have no connection with reality. We will meet in court. Prepare to pay,” he said.

Season to Give Back: Heritage Park Students Adopt Awareness Projects | New


Students at Heritage Park High School embraced giving season on Monday during a community outreach day.

Freshmen and sophomores visited Puzzle Pieces to participate in crafts and games; juniors created Thanksgiving food baskets for families and decorated Heritage Place Assisted Living; and seniors went to Wendell Foster to help out with crafts and games and created hygiene bags and cards for veterans and homeless people visiting St. Benedict’s.

November 21, 2022 — Loan Rate Schedule – Forbes Advisor


Editorial Note: We earn a commission on partner links on Forbes Advisor. Commissions do not affect the opinions or ratings of our editors.

Last week, the average interest rate on refinanced student loans fell. Still, for many borrowers, it could still be a good time to refinance. Rates are still relatively low.

According to Credible.com, from November 14-19, the average fixed interest rate on a 10-year refinance loan was 5.98%. It was 4.01% on a five-year variable rate loan. This is for borrowers with a credit score of 720 or higher who have prequalified in Credible.com’s student loan marketplace.

Related: Best Student Loan Refinance Lenders

Fixed rate loans

Last week, the average fixed rate on 10-year refinance loans fell 0.09% to 5.98%. The previous week, the average was 6.07%.

This time last year, the average fixed rate on a 10-year refinance loan was 3.44%, 2.54% lower than the current rate. This means that borrowers who refinance now have the option of receiving a significantly lower rate than they would have received this time last year.

According Forbes Advisor Student Loan Calculator.

Variable rate loans

The average five-year variable student refinance loan rate rose 0.85% last week. It is now at 4.01%.

Unlike fixed rates, variable interest rates fluctuate over the life of a loan depending on market conditions and the index to which they are linked. Many refinance lenders recalculate rates monthly for borrowers with variable rate loans, but they usually limit the rate height, to 18%, for example.

Let’s say you refinanced an existing $20,000 loan into a five-year loan with a variable interest rate of 4.01%. You would pay around $368 on average per month. You would pay approximately $2,105 in total interest over the life of the loan. Keep in mind that since interest is variable, it can fluctuate up or down from month to month.

Related: Should You Refinance Student Loans?

When to Refinance Student Loans

Lenders generally require you to graduate before refinancing. While it’s possible to find a lender without this requirement, in most cases you’ll want to wait to refinance after you graduate.

Keep in mind that to get the lowest interest rates, you’ll need good or excellent credit.

If your credit is low or your income is not high enough to qualify, you have several options. You can wait to refinance until you have accumulated credit or have sufficient income. or you can get a co-signer. Just make sure the co-signer knows that if you can’t repay your student loan, they will be responsible. The loan will show up on their credit report.

Finally, make sure you can save enough money to justify refinancing. At current rates, most borrowers with high credit ratings can benefit from refinancing. But those with less than excellent credit who won’t receive the lowest fixed or variable interest rates may not be able to. Start by exploring the rates you could prequalify for through multiple lenders, then calculate your potential savings.

Refinancing Student Loans: What Else to Consider

One thing to keep in mind when refinancing federal student loans to private student loans is that you will lose many federal loan benefits, such as income-based repayment plans and generous adjournment and abstention options.

You may not need these programs if you have a stable income and plan to pay off your loan quickly. But be sure you won’t need these programs if you plan to refinance federal student loans.

If you need the benefits of these programs, you can refinance only your private loans or only a portion of your federal loans.

Student Loan Refinance Rate Comparison

Refinancing a student loan at the lowest possible interest rate is one of the best ways to reduce the amount of interest you’ll pay over the life of the loan.

Variable rates usually start low, but could go up in the future, making it a gamble. But one way to limit your exposure to risk is to pay off your new refinance loan as quickly as possible. Keep the loan term as short as possible and pay extra when possible so that you are not subject to possible rate increases in the future.

When considering your options, compare rates from multiple student loan refinance lenders to ensure you don’t miss out on possible savings. Determine if you qualify for additional interest rate discounts, possibly by choosing automatic payments or having an existing financial account with a lender.

President Barrow says recovery from the shock of the COVID-19 pandemic is not just slow –


President Adama Barrow said the country’s recovery from the shock of the COVID-19 pandemic is not only slow but also even more frustrated by the ongoing Russian-Ukrainian war, adding that the additional suffering resulting from the war is everything. simply unbearable.

He made the statement to the TEKKI FII closure of the program and launch of the national employment policy and the 2022-2020 action plan6, Friday

“This occasion is doubly significant, as it connects two issues that directly impact the lives and livelihoods of many people in the country; namely the closing of the Tekki Fii program and launch of the National employment policy and action plan, 2022-2026.

The two events affect each other, with the Policy providing long-term solutions to the challenges that TEKKI FII’s intervention sought to address in the short term. Given the positive results of the TEKKI FII program, it is with a deep sense of accomplishment and great optimism for the future that I join you here in person, he said.

He added: “There is no doubt that we have made significant gains since 2017, and the results of the Tekki Fii program bear witness to this. The stories and results associated with them are indeed inspiring. Among other things, they give us hope and strengthen our faith in the youth and the nation.

He said it has disrupted markets and supply chains, and it continues to push up commodity prices to unprecedented levels and with great unease, it has triggered a severe global food crisis, in particularly in developing countries in Africa.

He noted that the current inflationary trends are mainly due to erratic energy and food prices.

According to him, the impact of climate change is intensifying, hence the unprecedented floods experienced by the country this year have affected more than fifty thousand (50,000) people.

“The global crises, with their devastating impact, have hit The Gambia very hard, increasing food insecurity, eroding household incomes and undermining employment and economic growth.

We must recognize and admit that the situation is not the fault of the government or any Gambian citizen. Like other countries, The Gambia is vulnerable to external shocks. Although our heavy dependence on imports makes us particularly vulnerable to inflation and economic disruption, no nation has been spared,” he stressed.

President Barrow stressed that his government had weathered the pandemic crisis better than other countries, but the effects of global shocks continued to dampen the country’s recovery and growth prospects.

“My government is determined to do everything possible to reduce the impact of these shocks. Our main objective is to offer support and alleviate the heavy economic burden of the most vulnerable citizens. For these reasons, we subsidize essential commodities and provide cash transfers to people in need through our social protection programs.

In these difficult times, we have to rely on each other. The greatest strength of Gambians lies in our peace, solidarity, respect and compassion towards each other. We support each other and lift each other up in times of need and we must uphold these values ​​as our social safety net,” the president stressed.

He added: “As we mitigate the impact of global crises, the government will continue to invest in a better future. We are committed to strengthening our resilience and making the economy less vulnerable to external shocks. These goals can be achieved through well-targeted, people-centred and infrastructure investments. Such strategies have the potential to make The Gambia stronger, more productive, more competitive and wealthier.

The Gambian leader underlined that it is remarkable that through the Tekki Fii program, saying “we have created and maintained over nine thousand (9000) jobs, enabled over seven thousand (7000) young Gambians to undergo training professional and worked with five thousand (5000) small businesses.

He added that these results stem from his government’s youth-focused and private sector-led growth agenda.

“They reflect our commitment to investing in the marketable skills of young Gambians, fostering a culture of entrepreneurship, innovation and self-employment, stimulating the growth of small businesses and adding value to products. and Gambian services,” he said.

President Barrow also said that he recognizes, with gratitude, that the achievements of TEKKI FII are the result of the close collaboration between the public and private sectors and our trust in the youth.

He applauds and appreciates our close and long-standing partnership with the European Union and implementing partners of Tekki Fii, the International Trade Center implementing the Youth Empowerment Project, the German Agency for Cooperation international, the Instituto Marquês de Valle Flôr from Portugal and the Belgian Development Agency, Enables.

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Ministry to Launch AfCFTA Implementation Strategy


The Ministry of Industrialization and Trade will launch the African Continental Free Trade Area (AfCFTA) National Implementation Strategy and Action Plan on November 21 at the Windhoek Country Club.

The ministry will also host a training workshop on the status of the AfCFTA negotiations and the protocol on women and youth on November 22.

Namibia signed the AfCFTA agreement on July 2, 2018 and deposited the instruments of ratification on February 1, 2019.

“This signifies that the country is ready to participate in the AfCFTA, particularly enhancing opportunities for economic diversification and the development and expansion of value chains to achieve economic transformation, the ministry said.

The AfCFTA integrates gender issues into state trade policies through AfCFTA Implementation Strategies to achieve gender equality.

According to the ministry, its preamble recognizes the importance of gender equality for the development of international trade and economic cooperation, and emphasizes the promotion of gender equality as one of the general objectives of the AfCFTA agreement.

“Article 27 of the Protocol on Trade in Services recognizes the need to improve the export capacity of formal and informal service providers, with particular attention to micro, small and medium-sized operators and service providers to women and young people,” the statement said.

For the ministry, part of the implementation of the ZLECAf agreement requires capacity building and training of potential beneficiaries on the opportunities presented by the agreement.

Due to gender inequality on the continent, women and young entrepreneurs face the challenges of a lack of access to information about the opportunities in their environment and how to take advantage of them, says the press release.

“Women and youth often do not know how to champion inclusion in the negotiations and implementation of agreements such as the AfCFTA.

“It is in this context that the United Nations Economic Commission for Africa (UNECA), in collaboration with the ministry, will jointly organize a workshop in Windhoek on Tuesday to train women and young entrepreneurs, businesses and current exporters and potential,” the statement said.

Areas to be addressed include raising awareness of the AfCFTA, understanding the benefits of the AfCFTA and how to benefit from them, inclusive participation of women in the implementation of the AfCFTA and consultation on provisions to be included in the Protocol. AfCFTA on Women and Youth. .

The workshop will also explore gender provisions in trade agreements (global and sub-regional) and AfCFTA strategies and provide an update on the status of ongoing AfCFTA negotiations to bridge gaps. gaps identified.

The training is free and open to anyone wishing to participate.

E-mail: [email protected]

How to Get a $500 Fixed Loan No Interest at Wells Fargo


Wells Fargo has announced a new low-value, short-<a class=term loan for customers. Loans of $250 to $500 could help low-income customers avoid riskier ways to get short-term cash, one group says.” title=”Wells Fargo has announced a new low-value, short-term loan for customers. Loans of $250 to $500 could help low-income customers avoid riskier ways to get short-term cash, one group says.” loading=”lazy”/>

Wells Fargo has announced a new low-value, short-term loan for customers. Loans of $250 to $500 could help low-income customers avoid riskier ways to get short-term cash, one group says.


Wells Fargo has launched a new type of loan that offers customers short-term cash for a flat fee, adding to a slowly growing list of cheaper, less risky financing options for customers short on cash. ‘silver.

The bank announced the new product, dubbed “Flex Loan,” on Wednesday. It’s a $250 or $500 digital loan that customers can apply for on their smartphones and comes with a flat rate of $12 or $20, respectively. Borrowers repay their amount in four monthly installments, without interest.

It is already available in select markets and will launch in all states within the next four to six weeks, bank spokesman Josh Dunn told the Charlotte Observer on Thursday. Flexible loans are only available to Wells Fargo customers – the bank uses factors such as account management practices, term and balances to determine eligibility, rather than using an independent credit bureau.

The loan is meant to be a quick and easy way for customers to directly access funds when they need it most, the bank said in a press release, with no demands, hidden fees, late fees or interest.

The Flex loan is similar to other small, short-term loans offered by US Bank or Charlotte-based Bank of America, sometimes marketed as a cheaper alternative to overdraft fees.

These loans also work as a good alternative to riskier methods of obtaining short-term cash, said Alex Horowitz, chief researcher at The Pew Charitable Trusts. He followed the ways these types of small loans can help low-income bank customers avoid turn to more harmful optionslike payday lenders who charge three-digit interest rates.

“Consumers have turned to (options like) payday lenders because they haven’t been able to borrow small amounts from their bank,” Horowitz said. “But (these loans) are faster, they cost at least 15 times less and they are more affordable. It is therefore a victory for consumers.

Wells Fargo, one of Charlotte’s largest banks, isn’t the only bank offering small, short-term loans to its customers. Bank of America and US Bank have similar programs. Arthur H. Trickett-Wile [email protected]

An alternative to the personal loan

Horowitz is primarily interested in how small dollar loans like Wells Fargo’s new product contrast with payday loanswhich are short-term, high-interest loans that many consumers take out in hopes of paying it off with their next paycheck.

But those two-week loans often create more problems than they solve, Horowitz said. Exorbitant interest rates – some as high as 400% – can leave borrowers in debt for months.

“We know that when payday loan customers are in trouble, they don’t focus on price or affordability. They focus on speed, ease of access and certainty of approval, he said.

Compared to these types of loans, Wells Fargo’s low-cost offering costs about 15 times less, he added.

The payday loan is banned in North Carolina, and about half of the states, but there are still a number of other risky, high-interest financing options, Horowitz said. Small dollar loans from big banks could help low-income customers avoid pawnshops or take out other small loans at five times the interest rate.

“All states have pawnbrokers. All states have rent-to-own stores,” he said. “Some customers have repeatedly overdrawn their checking account in order to borrow small amounts of money. These new loans are a more affordable option than that.

Wells Fargo is based in San Francisco but has its largest employment base in Charlotte, with some 27,000 workers here. Alex Slitz [email protected]

Other banks offering small loans

Wells isn’t the only local bank to offer a small, low-cost loan.

In 2020, Bank of America launched a similar product called “Balance Aid”. It allows customers to borrow up to $500 for a fixed amount of $5, paid in three monthly installments.

Other banks offering small-dollar loan programs include Ohio-based Huntington Bank and Minneapolis-based US Bank, which has a handful of branches in Charlotte.

Loans are relatively low-risk products for banks, Horowitz said. “The bank lends to known customers,” he said. “There is a track record here. Even customers with poor credit scores succeed in repaying when they can do so in affordable installments at fair prices. »

Plus, the small size of the loans means they’re still a small liability for banks — compared to something like a mortgage, Horowitz noted, which is nearly 100,000 times larger.

He’s also confident that customers will use these types of loans: When Pew surveyed current payday loan borrowers, eight in 10 said they would switch to using small loans at their bank.

Reminder on overdraft fees

Bank of America and Wells Fargo have also marketed the loans as a friendlier alternative to overdraft fees.

Bank of America, Wells Fargo and other banks began offering more options to low-income customers after their practice of charging overdraft fees increased criticism from lawmakersespecially during the pandemic.

Critics argued that the fees boosted banks’ profits at the expense of customers who could least afford them. In response, several banks abandoned Expenses, reduced them or offered options such as no-overdraft checking accounts or small loans.

Horowitz hopes to see other banks offer similar products. The more banks that offer small, short-term loans, the more likely their customers will be to avoid the worst, he said.

“It can help them avoid other bad options: disconnecting their utilities or having their car repossessed or being evicted,” Horowitz said. “If a small, affordable loan from a bank can help someone avoid these adverse outcomes, that’s a win for consumers too.”

Charlotte Observer Related Stories

Hannah Lang covers banking, finance and economic equity for The Charlotte Observer. His work has appeared in The Wall Street Journal, Triangle Business Journal and Greensboro News & Record. She studied business journalism at the University of North Carolina at Chapel Hill and grew up in the same town as her alma mater.

OUTSIDE: Things to do in Winnipeg this weekend


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It seems reasonable to assume that Sophocles could not even conceive of a rock musical sneaking into his Athenian tragedy Antigone.

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Written around 441 BC. J.-C., its main character being the daughter of its better known Oedipus, Antigone opened its doors Thursday at the Théâtre Cercle Molière with more than a few surprises up its sleeve.

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Using a translation by Canadian poet Anne Carson and injecting original music from The Mariachi Ghost, the production is presented by Sick + Twisted Theatre, one of the few Canadian theater companies run by artists with disabilities. It is performed by a cast that incorporates deaf and disabled artists and aims to highlight the “vulnerability at the very heart of courage”.

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Tracey Nepinak, Vivi Dabee, Sarah Luby, Christophere De Guzman and Debbie Patterson (left to right) in Sick + Twisted Theater's Antigone, which opens Nov. 17 at Theater Cercle Molire in Winnipeg.  Dylan Hewlett/HANDOUT
Tracey Nepinak, Vivi Dabee, Sarah Luby, Christophere De Guzman and Debbie Patterson (left to right) in Sick + Twisted Theater’s Antigone, which opens Nov. 17 at Theater Cercle Molire in Winnipeg. Dylan Hewlett/HANDOUT Photo by DYLAN HEWLETT /DYLAN HEWLET

A quick summary: When her deceased brother is declared a traitor, his body left unburied beyond the city walls, Antigone refuses to accept the harshest of punishments. Defying her ruling uncle, she dares to say “No”. Going forward and burying her brother in secret, she puts personal allegiance before politics, a tenacious act that will set off a cycle of destruction.

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Carson’s adaptation was called “a masterpiece about tyranny, resistance and one woman’s act of civil disobedience” and presents “a chilling sense of how easily democracy can slide into tyranny when citizens are paralyzed in the silence and inaction,” according to the Harvard Review.

Pay What You Can tickets are available for each show, with a suggested range of $0 to $40.

Smash or pass

Although slightly older, it’s still surprising to think that The Offspring’s Smash is approaching its 30th anniversary.

The Southern California outfit will play hits from that 1994 release and others when they stop by the Canada Life Center on Friday night with Simple Plan.

Smash dropped out three days after Kurt Cobain’s suicide and managed to spark a storm for indie label Epitaph – long passing as the best-selling indie release of all time – amid the ongoing debate over what was punk. and what constituted a sale.

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Soon after, “alternative” music split in multiple directions, and post-grunge bands like The Offspring threatened to be eclipsed by the pop-punk movement repopularized by (then) labelmates Green Day.

Pretty fly or not, The Offspring made their way in that direction and, surprisingly, are still headlining arena tours to this day. I guess you don’t have to keep them separate.

collage concert

Described as a musical circus, former WSO New Music Festival curator Glenn Buhr presents Saturday and Sunday collage concerts at the West End Cultural Centre.

The shows feature the songs and stories of Scott Nolan mixed with the poems and stories of Duncan Mercredi, to music by Buhr performed by the Fallen Angels Orchestra, a 15-piece band performing on the WECC floor surrounded by the audience.

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The wildcard is percussionist Victoria Sparks, who appears intermittently playing drums, flowerpots, or junkyard toys.

Free movies

Cineplex theaters in Canada are kicking off the holiday season Saturday morning with a slate of free kids’ movies.

Doors open at 9 a.m., with Paws of Fury: The Legend of Hank kicking off, followed by Sonic The Hedgehog 2, The Spongebob Movie: Sponge on the Run, and The Lost City.

Places are limited and available on a first come, first served basis. Popcorn, soft drinks and select candies are available for $2.50, with $1 from every concession order and sale of XSCAPE arcade game cards throughout the day for youth empowerment programs through BGC Canada.

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Banff Film Festival screens in a new venue


The Banff Film Festival will take place in a new location – the Wachholz College Center at the FVCC – on December 6 and 7 (Tuesday and Wednesday) at 7 p.m. Different films will be screened each evening and the doors will open 60 minutes before. Tickets are available at wachholzcollegecenter.org

The Banff Central Mountain Film Festival World Tour grew out of the Banff Central Mountain Film and Book Festival, which began in Banff, Alberta. In 1976, a tight-knit group of mountaineers and outdoor enthusiasts conceived the Banff Festival of Mountaineering Films. This one-day gathering grew into the famous international festival it is today. Over 30 years ago, the Banff Center Mountain Film Festival began an outreach program to bring the festival to other communities. This became known as the Banff Center Mountain Film Festival World Tour and now reaches over 40 countries and brings mountain films to audiences of over 550,000 people worldwide in approximately 550 locations.

The festival is a fundraiser for the Flathead Nordic Backcountry Patrol (FNBP), a non-profit group of volunteers trained and prepared to respond to any type of backcountry winter emergency. The FNBP maintains national certification through the National Ski Patrol and partners with the Flathead National Forest and the Flathead Avalanche Center to promote avalanche education and awareness in the Flathead Valley. Members are an integral part of the Montana search and rescue community by joining local search and rescue organizations to respond to emergencies in and around the Flathead Valley. Members have experience in a wide variety of backcountry specialties: avalanche rescue and education, mountain travel and education, outdoor emergency care and transportation.

For more information, email [email protected]

Environmental student, researcher and activist holds hope for a more sustainable future for MSU


At 14, Lauren Sawyer, a senior in environmental studies and sustainable development, went on a backpacking trip to Washington. As she drove through the region – which has been hit hard in recent years by heat waves, wildfires and poor air quality required – she began to learn about climate change and its effects. .

It was her connection to nature that first inspired her to get involved in climate science.

“As far back as I can remember, I’ve always really loved going out,” Sawyer said.

But as she got older, her experiences gave her a more nuanced view of what climate activism can look like. Sawyer grew up in the affluent, predominantly white neighborhood of St. Joseph. Next door, just across the Paw Paw River, is the predominantly black Benton Harbor, where the public water system has consistently tested above federal and state limits for lead contamination since 2018.

Sawyer saw how little state and national media covered the Benton Harbor crisis. She was shocked because it took more than three years and passage of President Biden’s Infrastructure Investment and Jobs Act to get needed federal funds into the city.

“The lead levels are higher than they were in Flint,” Sawyer said. “And that probably wouldn’t be a problem if Benton Harbor was a white town, frankly.”

With this crisis in mind, Sawyer has found herself becoming an activist who views climate issues through an intersectional lens. She believes that more of the conversation on climate change needs to focus on climate justice, with the understanding that a warming Earth will disproportionately harm disadvantaged communities.

In addition to his research in the Department of Environmental Studies and Sustainability, Sawyer interned with the Michigan chapter of the Sierra Club climate activism organization and completed the MSU-Detroit Partnership for Food, Learning and innovation.

At MSU, she is a member of the Student Sustainability Leadership Council, Honors College, Bailey Hall Government, Committee on Undergraduate Education, and the MSU Chapter of the Sierra Club.

She is especially proud of a research project in which she investigated how climate change and natural disasters can drive and affect migration.

Although she has been assisted by many older climate experts in her work and training, Sawyer is certain things are different for Gen Z: Generation will be here for the worst.

“(In older generations) there’s a narrative of ‘well, I won’t be here, so it’s not my problem,'” Sawyer said. “I think a lot of climate stress and anxiety is created among students, young people and Gen Z. They feel like they can’t do anything but recycle except use a reusable straw. And really, it can be frustrating.

Sawyer said his generation is empowered through social media, connected to issues and to each other in ways that other generations might not be.

“Thanks to social media, a lot of young people are more aware of climate issues happening around the world,” Sawyer said. .

This spring, Sawyer will be graduating from MSU. Looking back on her time, she said that while she was grateful for the connections to policy makers and experienced faculty, she felt that MSU as an organization could do better in terms of sustainability.

Sawyer said she was particularly frustrated with the board’s response to Sunrise MSU’s divestment campaign, which urged the university to divest entirely from fossil fuels, as it promised in 2018.

Recalling her time as an ASMSU representative, Sawyer sees the divestment debacle as one of many examples of the MSU administration ignoring student voices, a concern echoed by Sunrise organizers.

“I think like any business — and MSU is a business — there is room for improvement, but I haven’t lost faith that MSU is a great school,” Sawyer said. “It has many resources for students to learn more about sustainability so they can take action themselves.”

Like many in her promotion, Sawyer feels much of her Spartan background has been “drained” by the COVID-19 pandemic, which has left her especially sad to move on. However, she was optimistic about the continuation of her work.

“I think we all have a role to play,” she said. “I think we all have a responsibility to take care of the earth and right wrongdoings.”

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News and Media – Ottawa Police Service


FOR IMMEDIATE RELEASE: Tuesday, November 15, 2022 10:10 a.m.

(Ottawa) In conjunction with recommendations made by Ottawa violence against women (VAW) frontline responders and advocates, the Ottawa Police Service (OPS) has changed the name of its violence unit wife in a domestic violence unit.

“We understand that women and other vulnerable groups associate issues of violence against women with strictly physical issues due to the use of words like ‘assault’,” the acting chief said. Steve Bell. “It’s important to make a distinction between the fact that domestic violence can include anything from coercion, threats, stalking or even controlling behaviors.”

The OPS is committed to assisting and supporting victims or survivors of violence and abuse, but despite these continued investments, violence against vulnerable populations remains one of the most common forms of police-reported crime. in our city and across the country.

“We learned that language is important, especially when it comes to education and support, Acting Chief Bell said. “That’s why we incorporate the use of terms like femicide.”

In 2019, the federal government obtained Royal Assent for Bill C-75; An Act to amend the Criminal Code, the Youth Criminal Justice Act and other Acts.

Among others, some of the highlights of these changes include:

  • Defining “intimate partner” for all criminal code and specify that it includes current or former spouse, spouse, common-law partner and dating partner;
  • Specify that strangulation constitutes a high form of aggression and a more serious form of sexual aggression;
  • Create a new section to direct a court to prioritize the objectives of denunciation and deterrence when imposing a sentence for an offense of intimate partner violence where the victim is vulnerable due to their personal circumstances
  • Create a new section to direct a court imposing a sentence for an offense of intimate partner violence to take into account the increased vulnerability of female victims, with particular attention to the circumstances of “Aboriginal female victims” .

The purpose of Bill C-75 was to strengthen the criminal law response to domestic violence, and these amendments are expected to standardize practices to address gaps in the criminal justice system and protect victims or abuse survivors.

Over the past few years, Ottawa’s frontline partners and organizations like Peel Regional Police, Waterloo Regional Police, our federal government and the World Health Organization have embraced the term intimate partner violence.

“By changing the name of our response unit to using the term ‘intimate partner violence’, we recognize that violence goes beyond physical assault,” said Acting Chief Bell. “We hope that anyone who has experienced domestic violence will feel comfortable coming forward if they recognize they are in an unhealthy relationship.”

If you or someone you know is being abused, you can contact our Police Reporting Unit at 613-236-1222 ext. 7300. If this is an emergency, please dial 911 immediately.

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CONTACT: Media Relations Section

Such. : 613-236-1222 ext. 5366

Minneapolis woman charged with orchestrating multi-million dollar accounts receivable factoring scheme and PPP loan fraud | USAO-MN


MINNEAPOLIS — A federal grand jury has returned an indictment against a Minneapolis woman for orchestrating an accounts receivable factoring fraud scheme and a PPP loan fraud scheme, U.S. Attorney Andrew M. Luger has announced. .

According to court documents, Khemwattie Singh, 52, was the chief executive of Global Medical Services, a Minnesota-based healthcare solutions company. Between June and October 2018, Singh and others entered into factoring agreements with MD Capital Solutions, a Florida-based investment firm, to purchase accounts receivable from Global Medical Services and Minnesota International Medicine for over $2, $6 million. Factoring is a form of short-term financing in which a business sells its accounts receivable to a third party at a discount.

According to court documents, Singh defrauded MD Capital Solutions by failing to pay debts as they were collected and falsely represented to MD Capital Solutions that no funds had been received. Instead, Singh pocketed the money, moving more than $5 million overseas to bank accounts in Morocco and shell companies she controlled.

According to court documents, in September 2019, MD Capital Solutions sued Global Medical Services in state court in Minnesota and Florida. At the end of 2019, Global Medical Services closed its doors and no longer had employees on its payroll. In April 2020, Singh submitted a false and misleading request for Paycheck Protection Program (PPP) funds on behalf of Global Medical Services requesting approximately $383,408. Despite Global Medical Services not being operational, Singh falsely stated on the application that the average monthly payroll was $153,363 and that the company had about 40 employees. As a result of Singh’s material lies and omissions, she received approximately $296,800 in PPP funds. Singh transferred $116,600 to his personal bank account and used the funds to pay for personal expenses, including a home loan and credit card payments.

Singh is charged with seven counts of wire fraud. She made her first appearance in United States District Court yesterday before Magistrate Judge Elizabeth Cowan Wright.

This case is the result of an investigation by the FBI and the Minnesota Commerce Fraud Bureau.

Assistant U.S. Attorney Chelsea A. Walcker is prosecuting the case.

An indictment is only an allegation and the defendant is presumed innocent until proven guilty beyond a reasonable doubt in court.

Opinion – Towards an integrated comprehensive youth development strategy


Henny Seibeb

Duminga Ndala

From November 4-5, 2022, the LPM Party Chief Whip, Hon. Henny Seibeb participated in a Southern African Development Community Parliamentary Forum (SADC-PF) regional policy dialogue on “Strengthening the Separation of Powers and Parliamentary Oversight in the SADC Region: A leap towards democratic accountability and inclusive governance” in Johannesburg, South Africa. The main objective of the regional political dialogue was to create a platform for parliamentarians to engage with stakeholders on the context and strategies for strengthening democratic accountability through parliamentary interventions and advancing human rights. rights in order to strengthen the democratic dynamic in the SADC region. Discussions focused on how to strengthen the role of parliaments in promoting inclusive governance through youth political participation and representation and an overview of priority youth issues in the SADC region and the comparative analysis of parliamentary engagement with young people in the SADC region.

On May 22-23, 2021, the Landless Movement Youth Command Element (LPM-YCE) held a Leadership Conference at the Shalom Center in Windhoek on the theme “Reigniting Youth Participation in Politics modern”. The conference reflected on youth issues and the main outcome of these deliberations was the proposal of the Comprehensive Integrated Youth Development Strategy (CIYDS). In 2021, the Third Revision of the National Youth Policy (2020-2030) was approved in the National Assembly but this alone will only be able to reach its full potential if accompanied by an implementation plan. , such as that proposed by the LPM YCE. The challenge often lies in implementing such ambitious government plans and how we mobilize the right funding and skill sets to realize our collective visions “from below”. The Ministry of Sports, Youth and National Service does not want to accede to such demands in what could be described as “the politicization of the youth agenda”.

During the SADC-FP regional policy dialogue, one of the main demands of young people was to ‘depoliticise’ national youth agencies and ensure equitable access to national youth development funds. This is rightly so because in Namibia countless promises have been made regarding the establishment of a National Youth Fund including ensuring access to credit facilities but this has only become political rhetoric in every election cycle. Young people, who make up 36.8% of the total population, also face the highest youth unemployment rate, estimated at around 46.1% (Namibia Labor Force Survey, 2018). As a result, many young people of working age are dependent on other parents. This has disastrous consequences in terms of harvesting the demographic dividend. Class antagonism is growing and the end result will be a revolutionary rupture, but such a “ruptural” vision of change could go in the direction of a more profoundly egalitarian social order by adopting the twin visions of an overall integrated strategy of Youth Development (CIYDS) and a new Integrated Rural Development Strategy to close the rural-urban inequality gap, the rural-urban poverty gap and create much-needed jobs. Namibia had a National Rural Development Strategy 2013/14-2017/18 (NRDS) to address rural poverty, inequality, unemployment and rural infrastructure development deficit. However, due to the lack of any monitoring and evaluation of government programs, it is difficult to quantify success and desired results.

The third national youth policy is based on four essential pillars, youth education and skills development; youth health and well-being; youth employment and economic empowerment, and; political and civic participation of young people. Apart from youth economic empowerment, others are not necessarily strong pillars, as youth remain an “exploited class” without factors of production (ownership) of land, labor, capital and spirit. company. Thus, the current national youth policy is only a continuation of existing government programs of social and political protection, which are already covered in the areas of health, education, arts and culture, sport, youth and national service.

Key decision makers in the Ministry of Youth have misunderstood the concept of youth development and empowerment in the context of the fourth industrial revolution and post-Covid-19. The Third National Youth Policy remains a vague document on the class agenda, as no thought has been applied to the class analytical perspective of youth, as an exploited underclass. A policy document should always have a deliberate classroom curriculum and provide steps to achieve such a particular classroom curriculum. The SADC-FP regional policy dialogue noted that youth inclusion is imperative in governance processes, as young people play a central role in shaping more productive and functional societies. Further, he concluded that parliaments need to facilitate enabling legislation to ensure active youth engagement through mechanisms such as youth quotas, parliamentary youth caucus, enactment of the SADC youth protocol , appoint real-age youth to strategic positions and support youth-friendly budgets at the national level.

Therefore, we call on President Hage Geingob to grant an audience to the LPM Youth Command Element leadership, in early 2023, to present the proposed Comprehensive Integrated Youth Development Strategy (CIYDS) with an honest “depoliticized” approach to developing and approving an implementation plan. translating the policy priorities proposed under the national youth policy into concrete programs with budgets, targets and a monitoring and evaluation mechanism. The strategy, if legislated, will be a substantial instrument to improve the lives of our young people. CIYDS, beyond being a model for national youth policy and an instrument of coordination, will also serve as the contribution of the youth sector to the national objectives of reducing poverty, inequalities and unemployment as expressed in national development plans and the 2030 vision. These goals are at the heart of our development agenda, embodied in the medium-term annual expenditure framework.

2022-11-15 Staff reporter

First-generation UF alumni are reshaping the future of education in Haiti – News


When UF alumni Bertrhude Albert and Priscilla Zelaya were undergraduate roommates at the University of Florida in 2009, they never imagined their careers would involve making a global impact together.

But the duo, recently awarded the 2022 UNESCO-Hamdan Prize for Teacher Development, have more than fulfilled their own dreams. Through the nonprofit they created together, the two have helped a generation of teachers in Haiti transform their teaching methods into effective student-centered strategies that cultivate critical thinking, collaborative and creativity in the classroom.

“UF prepared me for the work I do today, and it broadened my way of thinking and opened my eyes to research and finding solutions to improve the world, Albert said. “I truly believe that education is the key to unlocking the bright future that Haiti has in store.”

Albert and Zelaya met at Chi Alpha Campus Ministries before they became roommates and quickly realized they had a lot in common. They were both first generation students, and they shared a passion for Haiti and its people. Albert, who immigrated from Haiti with his family when he was eight, studied English. And Zelaya, who had previously traveled to Haiti and was a Machen Florida Opportunity Scholarship recipient, studied elementary education and teaching. They both earned a doctorate in agricultural education and communication with a specialization in extension education.

After Haiti was devastated by an earthquake in 2010, Albert and Zelaya organized a trip to the country with 19 other students to distribute food, clothing and shoes in the city of Cap-Haitien. Inspired to do more, the pair gathered feedback, conducted research, and decided to put their UF training to good use in the area they care about most: education. It was then that they co-founded the nonprofit P4H Global, formerly Projects for Haiti, which is now Haiti’s largest teacher training program.

Since the organization’s inception, P4H’s 40 full-time employees in Haiti have worked with 8,000 educators in outdoor classrooms, working under shady trees or in simple schools with dirt floors and sometimes wading through rivers or walking long distances to class. Among other goals, the three-year program encourages teachers to avoid corporal punishment and instead focuses on research-based teaching methods that prepare students for long-term success.

Recent social unrest and insecurity in Haiti has resulted in the closure of the majority of schools in Haiti, which is why P4H Global has focused on teacher mental health.

During such a troubled time, Zelaya said, it brought some hope to be one of only three international winners to receive the USESCO-Hamdan Prize, which is awarded every two years to support the improvement of the quality of teaching and learning.

“Receiving this prestigious international recognition has been a huge source of validation for us,” Zelaya said. “It was so timely during such a stressful time. It reminds us that positive things can still happen even in turmoil.

Brittany Sylvester November 14, 2022

Reviews | My experience as a scrutineer


The latest midterm election is a shining example of youth participation in democracy with the second highest turnout for young voters over the past 30 years. Not only did I vote, but I also decided to register and be a poll worker in Scott Township — a suburb of Pittsburgh — on election day.

Although the $170 salary appealed to me as a broke college student, the chance to help run an important election was more significant. Poll workers tend to be citizens above the the age of 60, so it is very relevant to obtain a greater participation of young people in the elections of our country. Youth activism in elections is always low, either because they are too busy or because they have a jaded attitude towards politics.

Prior to election day, there was a training session to familiarize yourself with everything that would happen during the day itself. During the training, Allegheny County officials covered the few general tasks that would need to be done during the day, as well as setting up and shutting down each machine that creates or compiles ballots.

On the morning of the elections, I woke up at 5 a.m. to go to my polling station. The ward, Scott Ward 4 District 1, is not where I am registered – and so I had never voted before – but was not far from home. Before the polling stations opened at 7 a.m., certain things had to be done: setting up the tables and dividers for the vote and switching on the machines.

Once the polls opened, I and the few other poll workers in that constituency began our assigned jobs. I worked all day on the poll book, which contains a record of every voter registered in the precinct, their party registration, and some personal information about their identity. My job was just to ask people their names as they came in, find them in the book and have them sign next to their names to verify who they were, and deal with any issues that arose along the way – such as ID verification, verification -confirm inactive voters and retrieve unused ones postal ballots.

This job was the one I wanted all along because it gave me the most one-on-one time with each individual voter who entered the polling station. Throughout the day, it became clear to me how powerful it was to be around so many different people who cared as much as I did about the state of our country, regardless of their political affiliation. Voting for a midterm isn’t usually a priority for many people, but our constituency turn out ended up around 75%, and I had the chance to meet 375 different voters in my neighborhood.

In a quick conversation of a minute or two with each voter, you don’t learn much about them beyond surface details. The most important thing I learned, however, is that you really can’t generalize party affiliation by appearance. However demography are important measures for policy alignment, it is obviously not 100% accurate. Some younger voters were registered Republicans, some older voters were registered Democrats, many women were registered Republicans, and many blue-collar men were registered Democrats.

These short conversations allowed the humanity of each voter to shine through. For me, it was so easy to generalize about the other side, but when I was presented with this situation, I started to break down my own biases. Republicans and Democrats become people, nothing more, nothing less.

Polling stations are also precisely staffed with members of both parties, which means that no matter how you feel, you have to work with someone from the opposing party. Since everyone was there for the same reason, it was easy to find common ground and avoid talking explicitly about politics. We were all excited to see the turnout slowly increase, to talk about the logistics of the polling station, how every functional part was vital, and to learn about each other’s lives. As the youngest in the room and a student, the older election officials were very enthusiastic and supportive, learning about my academic background and my plans for the future.

The worst times of the day were when we had to send voters home, usually because of a mail-in ballot issue. If they requested an absentee ballot, but never used it—or did not receive it from the county office—they had to deliver that ballot to the polling place in order to vote in person. Many people claimed that they had never received their mail-in ballot by mail, so they either had to leave or vote on a provisional ballot – which likely wouldn’t be counted due to their mail-in request. Other times we’ve had to turn away first-time voters because they didn’t bring valid ID.

At the end of the day, we had to compile the results by printing out what the voting machine had counted throughout the day. Here, my already preconceived ideas about how difficult it would be to rig an election have been maintained. There are far too many checks and balances, at least in Pennsylvania, to make changing the results of an election easy. We registered the voters, recorded their names twice and counted them, matching that number to the ballots counted on the machine. We checked for discrepancies about once an hour, making sure that each ballot – although anonymous – had a name associated with it. These voting machinesalso, were in no way connected to the Internet, which made them impossible to modify via an outside source.

Once the Elections Judge cleared me to leave around 9 p.m., I felt a sense of accomplishment to be part of something much bigger than myself. I had seen the results coming out of the machine and formed a general idea of ​​how the Pennsylvania election was going to go. People showed up, all supporting the same cause. More young people should be poll workers in the future.

Paul Beer writes about political affairs and reads too many album reviews. Write him back (or send him music recommendations) at [email protected]

Drive-In Dinner Honors Veterans


VILLE DE LORRAINE, New York (WWNY) – A community came together for a home-cooked meal on behalf of North Country veterans.

The United Methodist Church of Lorraine hosted a drive-in dinner to honor and celebrate Veterans Day.

The decade-plus tradition was originally a community service event for young people, but organizers Frank and Gayle Seymour continued the tradition.

The food is donated entirely by the Seymours, with help from the congregation in cooking and serving dinners. People were encouraged to bring non-perishable items for donations this year to the Rhode Center Food Pantry.

“We’ve been hosting the Veterans Day dinner for about twelve years now. It started as community service by our youth group, of which we were the leaders. From around 2010, Gayle Seymour said.

“It means everything to me. The more people we receive, the better. We usually get 70-100 people, which is great. And it’s open to everyone, not just veterans, but it’s on behalf of veterans,” Frank Seymour said.

The diner has become a drive-in event during the COVID-19 pandemic, but Frank and Gayle hope next year it can return to its origins as a sit-down diner.

Anambra empowers and empowers women with disabilities to create wealth


On Saturday, the Anambra State Ministry of Women’s Affairs empowered some women living with disabilities in the state, charging them to use their skills to create wealth for socio-economic development.

Beneficiaries who included blind, physically handicapped, people with albinism and deaf received money to support their businesses such as sanitizer, air freshener productions among others.

Speaking on the occasion, Governor Chukwuma Soludo’s Special Advisor on Youth Development Programs, Dr. Nelson Omenugha, represented by Barr. Dubem Kevin, said the government will partner with the National Joint Association of Persons with Disabilities (JONAPWD) and the Anambra State Association of Disabled Women (AASWD), to identify and address their needs.

Also speaking, the Coordinator of Anambra State, Gender Perspective and Social Development Center, Ms. Eucharia Anekwe, argued that women with disabilities can live fulfilling lives and achieve their various ambitions once ‘they rose above their current conditions to learn skills, build relationships with others and report any form of discrimination, violence, abuse or injustice experienced against them.

For his part, Ify Aronu-Okafor, media coach and former special assistant to the former governor of the state on audiovisual media, advised people with disabilities to always arm themselves with the law on the rights of persons with disabilities in the country. Anambra State and other relevant legislation to overcome societal challenges.

Commending the State Ministry of Women’s Affairs for its financial support, Chairman of JONAPWD, Anambra State Chapter, Comrade Ugochukwu Okeke urged the beneficiaries to use the opportunity to revitalize their businesses.

Earlier, AASWD Chairman, Comrade Ncheta Nwanokwara explained that empowerment was the first batch and aimed to support their members who had acquired different skills such as production of air fresheners, disinfectants, poultry farming and bean cake to start their business.

Speaking on behalf of the beneficiaries, Mrs. Francisca Okafor thanked the state government for its assistance, assuring that she would use the money to improve her poultry farming business and empower others around her.

Is a payday advance from a bank better than a personal loan?


Image source: Getty Images

We’ve all come across an unexpected expense from time to time.

Key points

  • 60% of Americans couldn’t cover a $400 emergency expense without going into debt.
  • If you need cash fast and your bank offers payday advances, it might be worth looking into.
  • A personal loan has other advantages, however, such as a higher borrowing limit and a lower interest rate.

Many of us have been there. You had a car accident, and now you have to pay the mechanic to fix it. This unexpected expense will cost you a few hundred dollars, and like 60% of Americans, you are not able to cover it with your savings. Moreover, you only have money left for the bare necessities in your current account, and your next payday is several days away. What should you do?

You have a few options in this situation. Read on to learn more about bank payday advances versus personal loans, and how to decide which is right for you.

What is a salary advance?

A payday advance loan from a bank or box is called a small loan. These are loans generally between $100 and $1,000 granted by a bank to account holders. The intention is to give consumers an alternative to predatory payday loans (see below) when they are in a financial bind. If your bank offers them, you’ll get the money you need quickly and pay it back from your next paycheck via direct deposit, or over a period of weeks or months. You will have to pay a fee (either a fixed dollar amount or a small percentage of what you borrow) and interest for the service.

You may soon hear more about payday advances; a Bloomberg Law report in early October 2022 noted that federal regulators want banks to be able to offer them, but banks need more guidance from regulatory agencies moving forward. Personal loans, on the other hand, are already reliably available for your emergency borrowing needs.

What is a personal loan?

A Personal loan is a fairly easy way to borrow a lump sum of money. They usually come with lower interest rates than many other quick cash solutions, like credit cards or payday loans (and certainly lower than payday loans). However, if your credit is not in top shape, you may not be eligible for the best personal loan rates available.

Personal loans are generally in the amount of $1,000 to $100,000, and can often be funded fairly quickly after your application is approved. In some cases you can get the money the same day or the next day. Is there another way to borrow money fast? Yes, but you probably want to stay away.

Try to avoid payday loans

Although it may seem counterintuitive (after all, there’s “payday” in the name), it’s a good idea to avoid payday loans. And depending on where you live, they may be illegal in your area; they have been banned in 13 states and the District of Columbia. Payday loans are small, short-term loans of $500 or less, usually with a very high interest rate.

As of 2022, typical payday loan rates range from 28% to 1,950%. These loans often trick consumers in a cycle of debt from which they cannot easily escape. Can’t repay your loan on your next payday? That’s fine, the lender will turn it into a new payday loan for you! How nice of them. Your best choice is probably a payday loan or a personal loan.

How do you choose?

There are a few things to consider when choosing between a payday advance and a personal loan.

How much money do you need?

A payday advance loan, if you can get one from your bank or credit union, is probably best for borrowing smaller amounts. If your auto repair bill is $350, but the smallest personal loan amount you can take out is $1,000, that’s not ideal. If your surprise expense is larger, you’ll likely get a better interest rate with a personal loan (plus payday advances from your bank may be capped at $500).

How fast do you need it?

If you can wait a few days and have good credit, you may be better off with a personal loan – again, because of interest rates. That said, if your bank offers payday advance loans, they might approve you fairly quickly if you’re an existing customer in good standing. It has already registered you and can access your finances in the form of your bank account(s). Plus, your bank can easily send the money you borrow directly to your account.

How long do you need to pay it back?

This is where a personal loan probably has the advantage. You will have more time to repay a personal loan (months to years) than a payday loan (weeks to months). But again, a lot depends on the amount of money you need to borrow.

Payday advance loans and personal loans have their place, and if you ever get into trouble and need to borrow a relatively small amount of money, both are worth considering. However, it is definitely in your best interest to avoid payday loans.

The Ascent’s Best Personal Loans for 2022

Our team of independent experts have pored over the fine print to find the select personal loans that offer competitive rates and low fees. Start by reviewing The Ascent’s best personal loans for 2022.

SIU’s Touch of Nature Hosts World’s Largest Disabled Hunt November 11-13



CARBONDALE – Touch of Nature Outdoor Education Center, the experiential learning center at Southern Illinois University Carbondale, will host what organizers believe will be the largest accessible hunt in the state of Illinois in 2022. About 30 hunters with disabilities, along with their aides, will be traveling to the facility from all over the Midwest to participate in the Nov. 11-13 event, and media are invited to cover it.

Make deer hunting accessible

Participating hunters will receive assistance as needed with all aspects of their bow deer hunt, including transportation to and from tree stands and blinds and assistance with tracking, retrieval and handling of the game. On-site trackchairs will allow hunters to experience maximum independence, organizers say.

Partnerships make the event possible

Several organizations are coming together to make hunting for people with disabilities possible. Partners for this year’s event include the National Wild Turkey Federation and the Illinois Department of Natural Resources. Additionally, Halfmoon Outdoors provides Action Trackchairs.

People also read…

For more information

To learn more about the hunt or arrange a visit at another time, contact Lindsay Meverden, Inclusive Recreation Program Coordinator, at [email protected] or 618-453-3954.

Friday, November 11 – Food Tank


Food Tank’s Dispatch from the UN Climate Change Conference is a series of special newsletters released daily during COP27. To make sure it lands straight in your inbox and to be among the first to receive it, subscribe to the Food Tank newsletter now by clicking here.

I’ll be honest: I was moved to tears yesterday speaking to the young activists who are the future of our global food system.

Yesterday was Youth Day here at COP27. I expressed the need to respect the voice of those who will inherit the future of the food system. And thankfully, they are making their voices heard more powerfully than ever.

“I want world leaders to treat the climate crisis as a crisis,” said Vanessa Nakate, a Ugandan climate activist and founder of the Rise up Climate Movement. Nakate and others have created a video explaining to leaders what they want to see from COP27. I encourage you to watch it on Twitter HERE.

To shine a light on the role of young people in sustainable food systems, Food Tank’s own programming here at #FoodCOP27 started yesterday. I moderated a panel in partnership with the World Farmers Organization titled “The Future is Now: How to Unleash the Potential of Young Farmers for Sustainable Future Food Systems”. We heard from Roy Steiner of the Rockefeller Foundation; Arnold Puech d’Alissac and Khoushbou Sewraj, both of the World Farmers’ Organization; and Dr. Mark Smith of the International Water Management Institute; with Xiye Bastida, a young activist from the Otomi-Toltec indigenous community and the Re-Earth Initiative, and Ayisha Siddiqa, a young Pakistani climate justice activist from Polluters Out.

Here at COP27, there is a youth pavilion for the first time. Youth delegations have taken their advocacy to the UN in monumental fashion. But it is not enough to simply invite young people to these events. Our young leaders need to be involved in serious discussions with policy makers, they told me during yesterday’s panel, “if we really want to save the world”. None of us know everything, and the youngest among us are the first to admit it. But they need to have access to mentorship. They need financial investment in resources. They need elders to respect them.

Speaking with these incredible young leaders, as I mentioned, I was overwhelmed with emotion. I was particularly inspired by how Ayisha, Xiye and Khoushbou described the transformation that required activism, advocacy and real leadership. Change will come, Ayisha told me, when we formulate our ideas in love.

Here are some other important takeaways from the COP27 negotiations and discussions:

As mentioned, this COP is unique in its focus on food and agricultural issues, which are attracting global attention. The Food and Agriculture Organization of the United Nations, for example, plans to launch an initiative this year to tackle on-farm emissions as part of the urgent need to limit global warming to 1.5 degrees Celsius. . FAO deputy director Zitouni Ould-Dada told Reuters about the agency’s plans.

The COP negotiations also put pressure on world leaders. The US has been reluctant to take meaningful domestic action, and European leaders have called on President Joe Biden, US House Speaker Nancy Pelosi – who appeared at the COP – and others. Writing in The New York Times, Rachel Kyte, dean of the Fletcher School of Diplomacy at Tufts University, said:

“I hear African leaders say, ‘We have always understood that the Congress is difficult. But do the American people not understand what is happening to the planet? , Kyte told the newspaper.

Today is another big day here at #FoodCOP27. Right now I’m on my way to the food and agriculture pavilion to lead a discussion with WWF about Koronivia’s joint work on agriculture and more broadly why we need to expand the mandates of organizations civilians to achieve better results for the climate, people and nature. It starts at 8:30 a.m. EET today (1:30 a.m. ET Friday morning, 10:30 p.m. PT Thursday night), with Alice Ruhwezadirector of WWF Africa; HE Dr Yasmine FouadEgyptian Minister of the Environment; HE Fridolin Besungu Cardinal AmbongoArchbishop of Kinshasa, Maria Helena Samedo the Food and Agriculture Organization of the United Nations; Mercedita Sombilla the National Economic Development Authority of the Philippines; and Javier Mateo Vega CGIAR and CIAT.

This afternoon, at 3:00 p.m. EET (8:00 a.m. ET, 5:00 a.m. PT) as an UNFCCC side event, I will be moderating a series of conversations on managing climate risks and the externalities that arise from the system eating. We will speak with Zitouni Ould Dada FAO; Jerome Remmers the TAPP Coalition; Roy Steiner the Rockefeller Foundation; Helena Wright the Jeremy Coller/FAIRR Foundation; Marc Gough of the Coalition of Capitals, Jeremy Coller Coller Capital; Gunhild Stordalen from EAT; Ertharine’s cousin future food systems; and Berry Martin of Rabobank.

Later in the evening, I will join Resilient Cities Network, Media RED and the Rockefeller Foundation for a private screening of “Food 2050”. The film points a camera at 10 of the world’s most optimistic and daring visionaries seeking to heal the planet and our bodies. During the screening, I will moderate a panel with Tom Leaching of Media RED, Sarah Farley of the Rockefeller Foundation, Rupa Maryadoctor and author of “Inflamed”, and Matt Wilson of the Sicangu Food Sovereignty Initiative. And then, at a reception with a menu by a famous chef Bobby Chinnwe will hear Lauren Sorkin the Resilient Cities Network; Rania al-Mashatthe Egyptian Minister for International Cooperation; Rajiv Garodia Visa; Liz Ye the Rockefeller Foundation; and Inger AndersenExecutive Director of the United Nations Environment Programme.

What I think about as the COP27 negotiations continue:

  • Data shows that fossil fuel lobbyists outnumber almost all national delegations here at COP27, underscoring how loud our voices for change must be. There are over 600 fossil fuel industry lobbyists here, more than the number of people here representing the ten countries most affected by climate change and 25% more than last year’s COP. (Read more on Euronews).
  • Our colleagues at the Rockefeller Foundation, however, are working to shine a light on Indigenous and regenerative practices at COP27 with over $11 million in grants. This funding will go to organizations working globally on these traditional and sustainable practices. “Continuing to rely solely on conventional approaches cannot generate the profound changes needed to improve food systems,” said Roy Steiner, senior vice president of the Food Initiative at the Foundation. (Read more HERE).

Powerful quotes from today’s talks:

  • “It’s still a very intellectual discussion to say that young people should get into farming. How? Where do they start? And investing in extension services must be one of the most important [things].” — Wanjira Mathai, Managing Director for Africa and Global Partnerships at the World Resources Institute
  • “What I want more from leaders at this COP is for them to really include young people as stakeholders, not just as tokens.” — Xiye Bastida, youth activist from the Otomi-Toltec Indigenous Community and the Re-Earth Initiative

Articles like the one you just read are made possible by the generosity of Food Tank members. Can we count on you to be part of our growing movement? Become a member today by clicking here.

Photo courtesy of Patrick Mcgregor, Unsplash

Breaking down the midterm election results: problematic youth voting and rewarding strong leadership



Endowed by our Creator. Protected by our Constitution. Defended every day by the men and women who wear the uniform of the United States of America.

We should thank our veterans, service members and their families every day of the year, but especially on Veterans Day. We live in the land of the free because of the brave and we must never forget their service and sacrifice for our country.

Freedom also comes to mind this week as we celebrate the anniversary of the fall of the Berlin Wall on November 9, 1989. This led to the fall of Communism across Europe. President Ronald Reagan changed the earlier US policy of containment to one that sought to transcend communism. It worked.

Young people today are not fully aware of the seriousness of the situation under the “empire of evil”. Most do not learn from the failures of communism and socialism throughout world history.

Several exit polls conducted this week show that young voters overwhelmingly voted for the Liberal candidates. In many cases, their early votes did not show up in the polls because they helped neutralize the predicted “red wave”. Many suggest that the aggressive alignment with the left by many young people is a matter of self-interest on topics such as student loan debt and abortion. These questions had something to do with how they voted, but there is more to the debate.

Many young voters bought into the false narrative that inflation and the higher costs associated with it were caused by the war in Ukraine and price gouging by oil companies. They largely ignored the reality that inflation and gas prices were rising long before the Russian attacks on Ukraine. And they overlook the fact that massive new levels of federal government spending are playing a major role in driving up inflation. We need to better inform young people.

Tuesday’s other big takeaway is that candidates seen as problem solvers won their elections. Concrete example: each outgoing Republican governor of the country who presented himself won his election. And they won big.

Florida Governor Ron DeSantis got the most attention, and he deserved it. After narrowly winning in 2018, he won over 59% of the vote in 2022. Senator Marco Rubio won re-election with just over 57% of the vote.

In Ohio, Governor Mike DeWine won nearly 63% of the vote, while Republican JD Vance won the US Senate race with just over 53% of the votes cast.

Georgia Governor Brian Kemp won with 53% of the vote, while Herschel Walker is up for election Dec. 6 as none of the Senate candidates received more than 50% of the vote.

In New Hampshire, Governor Chris Sununu garnered more than 57% of the vote. On the other hand, the Republican candidate for the Senate obtained a little more than 44%.

Iowa Gov. Kim Reynolds got more than 58% of the vote, while Sen. Chuck Grassley got just over 56% of the vote.

In Texas, Governor Gregg Abbott got nearly 55% of the vote against the same guy who barely lost to Senator Ted Cruz in 2018.

Conservatives have come out on top when it comes to governors who stand for freedom. Overwhelmingly, these CEOs have managed to open up their states sooner than many of their liberal counterparts across the country. They reopened their economies and their schools.

Remember the attacks? A lawyer dressed as a Grim Reaper and walking the beaches of Florida. What about the politicians and pundits who said people were dying in Texas because of Mr. Abbott? Even at the end of the campaign, Stacey Abrams was still saying that Mr. Kemp had opened up the state too soon.

Each of these governors held firm and eventually opened their employers and schools in their respective states. It has made a real difference to the strength of their economy and the quality of their education system.

Although strong on economic issues, the leaders did not hesitate to act on social issues either. They signed some of the strongest and most reasonable pro-life legislation in the country. They pushed back against biological men competing in women’s sports. They locked up violent criminals. They pushed back against radical indoctrination based on race, sex and gender in public schools. And they put parents in charge of their children’s education.

Unlike many Republican candidates for federal office who seemed like they could only talk about the seriousness of President Biden, the GOP governors on the ballot actually got things done and they had positive plans for the future. Common sense conservative ideas work. We must be decisive, not divisive, in the struggle for freedom.

• Scott Walker is president of the Young America’s Foundation and served as Wisconsin’s 45th governor from 2011 to 2019.

Altona Rare Earths Plc – Short Term Loan Facility


November 10, 2022


(“Altona” or “the Company”)


Altona (AQSE:ANR), a rare earth exploration, development and mining company, announces that it has entered into a short-term loan facility prior to its proposed admission to the London Stock Exchange (“Admission” ).

The company is able to draw £150,000 in two tranches in November from Align Research Investments Ltd, to complete its 2022 mining program and provide funding for the assay costs of its rare earths project from Monte Muambe to mozambique.

The loan has a repayment date of the earlier of the admission dates or January 31, 2023 and bears a fixed interest rate of 15%. Align will also receive warrants equal to 150% of the value of the loan, with an expiry date of three years from drawdown. The exercise price of the Warrants is the lower of 12 pence each or the price of any investment the Company may make over the next 18 months.

Align may elect to receive interest and principal due in Altona common stock at the lower price of either 8 penceor the price of any investment the Company may make during the period the loan is outstanding.

Christian Taylor WilkinsonCEO of Altona, commented, “In order to publish this year high value milestone, the mineral resource estimate in the first quarter of 2023 in accordance with our published strategy, we felt that acceptance of this loan facility was the best course of action.

“We chose to work with Align Research because their business support model with short-term funding allowed us to avoid further equity dilution prior to proposed admission.”

This announcement contains information that, prior to disclosure, was inside information within the meaning of Regulation 11 of the Market Abuse (Amendment) (EU Exit) Regulation 2019/310 (as amended).


For more information, please visit www.altonaRE.com or contact:

Altona Rare Earths Plc

Christian Taylor WilkinsonManaging Director +44 (0) 7795 168 157

Martin BoisNon-Executive Chairman +44 (0) 7880 787 080

Alfred Henry Corporate Finance Ltd (AQSE Corporate Adviser )

Jon Isaacs / Nick Michaels +44 (0) 20 3772 0021

Optiva Securities (broker)

Daniel Ingram +44 (0) 20 3411 1882

About Altona Rare Earths Plc

Altona is a mineral exploration company focused on the evaluation, development and extraction of rare earth element (REE) metals in Africa. It has an REE mining project in mozambique; the Monte Muambe project, a major light REE mining project in the northwest of the country. Resource drilling began in April 2022 and will release an initial resource estimate in Q1 2023 and a scoping study in Q2 2023. The Company is investigating other REE opportunities in Africa.

How mentoring helps these young people overcome obstacles and grow further


The company, which has 30 employees, currently serves more than 60 clients from polytechnics, universities and government agencies.

Singapore Management University (SMU) alumni have each experienced the positive change of mentoring. Kasman considers mentoring his “equalizer.”

“I come from a background where few of my friends from college or national service went to college, so I didn’t know anyone – not my peers or seniors,” Kasman says.

Wanting to excel in college, he sought advice on how to approach his studies, establish a career path, and even pursue a higher purpose.

“In addition to approaching seniors wherever I could find them, I also applied for SMU’s alumni mentorship program,” he says.

Through his superiors – whom he now considers mentors – and his regular mentor, Mr. Dinesh Uruthiramoothy, Head of Strategy at the time, he was exposed to new ideas and perspectives.

“Dinesh is extremely humble and always leads by example. And his personality is always consistent as an individual, mentor or boss, which I really admire. He was and still is my mentor.

Unlike Mr. Kasman, Mr. Wong first encountered the concept of church mentorship when he was 17.

“One time I was afraid of what would happen if I didn’t do well in my A-levels. And I didn’t do as well as what local society considers ‘good’,” says Mr. Wong.

“My mentor told me these things happen for a reason, and we’re constantly molded to be a masterpiece every day. We just need to be there and learn the lessons to go from there. ‘before.

With the goal of giving back, they co-founded The Mentoring Circle in 2017 while at SMU. The program pairs 30 SMU seniors with juniors each year to provide guidance and direction in their studies and career planning.

Mr. Kasman is also Co-Chair of Mentoring AfA. He leads the Steering Committee to champion partnerships and participation across the public, private and people sectors to strengthen mentorship efforts and make mentorship accessible to all young people in Singapore.

“I agreed (to take the job) because I thought my voice would be useful as a young person who had his first experience of mentorship only five years ago as an undergraduate student and as a person who recently helped set up mentoring initiatives through SMU and the Mendaki Club.

Mr. Wong’s efforts are equally significant. “I’m a mentor to a few people. One that I cherish very much is at the Singapore Boys’ Home.

“There is no immediate reward. There are difficult answers in some people’s lives and all we have to do is face them.

Our youth, our future

Making mentoring opportunities more accessible through Mentoring SG is one of many efforts under the Forward SG initiative.

Launched in June, it is a roadmap that maps development through six pillars of society: economy and jobs, education and lifelong learning, health and social support, home and living environment. , environmental and fiscal sustainability, and our Singaporean identity.

“Our young people are our leaders of tomorrow. So we need to equip them with the resources, skills and more to empower them to take control of their future,” said Deputy Premier and Finance Minister Lawrence Wong.

Forest School Projects for Downtown Elementary School Supported by Board of Trustees


A downtown elementary school has been given the green light to use nearby land as a forestry school.

Board members unanimously backed plans to allow St Giles Primary School to use Madeira Hill for outdoor educational purposes.

The last time the school used the land as a forestry school was in 2003, when staff and students created a pond and planted trees and low fences.

However, with the site unsecured, a year later the school asked the Council to take control of the site and maintain it alongside the other areas of Madeira Hill.

A high secure fence was then erected to protect the school boundaries.

Due to the emphasis on outdoor learning in the new curriculum, the school had requested the use of part of the land at Madeira Hill for use as a forestry school.

Speaking to the board on Tuesday morning, senior education board member Phil Wynn said: “This project has been underway for a few years and has been hampered by the pandemic.

“But I think what the pandemic has shown is that all schools want to educate children more outdoors than indoors.

“This proposal allows St. Giles, which is a municipal school in the city, to expand its footprint, which will then allow it to form a forestry school that they can take advantage of.

“It was a pleasure to work with the leaders to present this report to the Board of Directors today.

“I wish the project well, as it is obvious that every child in our authority deserves the best educational opportunity we can provide.

“It will obviously enhance that experience for the kids at St. Giles Elementary School.”

Cllr Paul Roberts, who represents the Erddig district, welcomed the report and added: ‘It will be great to see it put together for the cultural and educational purposes of the school.

Board members have agreed to authorize the appropriation of land on Madeira Hill from Environment to Education for St Giles.

The terms of use will now be negotiated by the Director General of Habitat in consultation with the Head of Finance and Performance.

The intention to use a section of Maderia Hill as open space for the school will now be announced, with any objections reported to the board.

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Maxwell Frost becomes the first Gen Z American elected to Congress


Central Florida just elected America’s first Gen Z member of Congress.

Democrat Maxwell Alejandro Frost won the race to succeed U.S. Representative. Val Demings representing Florida’s 10th congressional district. He defeated the Republican Calvin Wimbish.

With 119 of the 147 constituencies counted, Frost led with 59.22% of the vote to Wimbish’s 36.26%.

As a host of veteran politicians jumped on the open house seat, the 25-year-old upstart appeared in august as the Democratic nominee, topping two former members of Congress and a sitting senator.

The seat in Congress goes from one Democrat to another, so it will not affect the makeup of Congress. While congressional redistricting controversially reduced the percentage of minority voters in the district, the seat leans heavily Democratic. About 65.11% of voters in Florida’s 10th congressional district voted for the Democrat Joe Biden in the 2020 election and only 33.45% supported the Republican donald trump.

But Frost said he wouldn’t leave anything to chance. A week before the general election, Democratic majority whip James Clyburn campaigned in Orlando to remind local voters of the importance of running in a midterm election.

The young politician now intends to arrive in Congress with a mission, but also the hope of building a democratic infrastructure in his country of origin.

“What I’m dedicated to doing during my tenure is obviously doing good work in DC, Frost said, “but also working here, building and making sure we get organized. My campaign will be knocking on doors all year round.

Wimbish, meanwhile, carried the Republican flag even in difficult territory. On his website, he attacked Democrats in general in ominous terms, with an introductory video showing riots and a stock market crash.

“Our nation is under attack, not by a foreign enemy, but by radical socialists who want to destroy our country,” Wimbish said.

Frost heads to Congress after high profile activism with another political organization: March for our lives. The youth-led movement emerged after the 2018 Parkland shootings that killed 17 people at Marjory Stoneman Douglas High School. Frost, also a survivor of gun violence, became involved with this group as it gained national notoriety.

He also pointed to his own roots, coming from Cuban lineage and being offered for adoption by a birth mother struggling with drug issues.

But it is a message of optimism and activism that he conveys as he looks to the future. Notably, he has the potential now that he is in Congress at a young age to become an established member of the Democratic caucus and the Progressive caucus, should he remain in the chamber for an extended period.

This is quite a change from the start of the campaign. In the past, Frost worked as a carpool driver at night while campaigning during the day at the start of the cycle.

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Torrington agencies and businesses will benefit from federal grants


TORRINGTON — Several service organizations and local businesses could see an influx of funding after the City Council this week approved a second round of American Rescue Plan Act grants.

The city received $10.07 million from the federal government in 2021 under the program and formed an ARPA committee to review spending of funds for Community Impact Grants and Facade and Improvement Grants. The committee presented their latest recommended recipients to the board.

“I was glad we had a quorum for a special meeting,” said Ann Ruwet, ARPA committee member and city councilor. “Because it was the day before election day, we usually didn’t meet, but we wanted to have a special meeting. Now we can send a notification to the (organizations receiving the grants). Everything was approved Monday evening by the board.”

For facade and building improvement funds, the committee approved applications from Nutmeg Conservatory for the Arts, Glen Royals and Sherrie Pergola LLC.

The Nutmeg will receive $5,422 for exterior paint; Royals, whose business is located at 187 S. Main St., will receive $25,000 for brick and facade repairs; and Pergola LLC at 247 N. Elm St., will receive $25,000 for storefront renovations, lighting, roof and wall repairs, including a new decorative pole and architectural details.

Community Impact Grant recipients for this round include:

The Connecticut Academy for the arts, $45,000 for video production equipment, to expand its community program at its Prospect Street home. Creative Kids Daycare will receive $19,650 for facility upgrades. Energy Partners LLC, also known as Energy Fitness, will receive $17,100 to purchase fitness equipment. Five Points Center for the Visual Arts is receiving $30,000 to renovate its courtyard to become a sensory garden and event venue, in its new home on the former Torrington UConn campus on University Drive.

Friendly Hands Food Bank will receive $35,700 for a walk-in freezer, and KidsPlay Chuildren’s Museum will receive $74,270 for a security system upgrade. The McCall Center for Behavioral Health will receive $20,000 for parent support services, and the Northwest CT Arts Council will receive $15,000 to be used for arts and culture initiative grants.

Prime Time House receives $32,000 for new programming; Susan B. Anthony, $25,000 for her Rebuilding Lives program; Torrington Volunteer Fire Department, $65,000 for firefighting equipment; and American Legion Post 36 will receive $20,000 for its youth baseball program. The Torrington Child Care Center will receive $48,000 for a shared social worker position, and the Torrington Development Corporation will receive $171,000 for an executive director. The Torrington Youth Service Bureau will receive $45,500 to expand the hours and offerings of its teen center.

The ARPA committee received several million grant applications and spent months reviewing them before presenting its final choices to the city council. Several applications have been filed or rejected. Some of these applicants were encouraged to find other sources of grants for their proposed programs.

Average HELOC and Home Equity Loan Rates for the week of November 7, 2022

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Key points to remember

  • Home equity loan and HELOC rates remained relatively stable last week, increasing only slightly.
  • The Federal Reserve raised its main short-term interest rate by 75 basis points, which will push up the cost of borrowing.
  • Higher interest rates for home equity products will likely make it harder to qualify in coming months
  • Experts had expected a slowdown in planned home improvement projects as rates continue to rise.

Inflation didn’t blink and neither does the Federal Reserve. But homeowners looking to tap into their home’s equity just might.

The Fed announced last week a 75 basis point increase in its benchmark short-term interest rate, the federal funds rate.

A higher federal funds rate will mean higher rates for consumer loans. Therefore, borrowing with a home equity loan or line of credit (HELOC) will cost more.

This isn’t just the case for borrowers looking to take out a home equity loan or HELOC. If you have an existing HELOC, you can expect your monthly payments to increase due to today’s rate hike. HELOCs often have variable interest rates, making them vulnerable to Fed rate hikes.

Higher interest rates for home equity products will also make it harder to qualify. “The home equity product is still great. So if you can get one now, I recommend you do because things are only going to get worse. You may not be able to qualify for it in six months,” says Vikram Gupta, executive vice president and head of home equity at PNC Bank. “Lenders are going to become more careful about who they lend to – only choosing borrowers with high credit scores and stable jobs.”

High levels of consumer spending are fanning the flames of inflationwho was at 8.2% year-on-year in September. While the owners sit on record home equity amounts, the Fed does not want them to dip into it. Aggressive rate hikes are the Fed’s way of pouring buckets of cold water on inflation.

“They want people to sit still and tighten their belts and put those things aside,” Charles Wagnerpartner at Biondo Investment Advisors, we previously told.

The average rate for a $30,000 HELOC was essentially stable at 7.32%. Home Equity Loan rates have increased slightly.

Here are the average home equity loan and HELOC rates as of November 2, 2022:

Type of loan Price for this week Last week’s price Difference
$30,000 HELOC 7.32% 7.30% + 0.02
10-year $30,000 home equity loan 7.57% 7.51% +0.06
Home equity loan of $30,000 over 15 years 7.49% 7.41% +0.08

How these rates are calculated

These rates come from a survey conducted by Bankrate, which, like NextAdvisor, is owned by Red Ventures. Averages are determined from a survey of the top 10 banks in the 10 major US markets.

What are home equity loans and HELOCs?

Home equity loans and HELOCs are secured loans, which means you use the difference between the value of your home and what you owe on your mortgage as a guarantee. In the event of default, you risk losing your accommodation. However, since the loan is secured by your home, you will likely be able to get a lower rate than you would with a Personal loan.

They to differ in how you borrow.

Home Equity Loans provide you with a single lump sum cash payment that you will repay over a set period of time. Since home equity loans usually have a fixed interest rate, your monthly payments won’t be affected even if the Fed continues to aggressively raise rates.

In contrast, HELOC usually have variable interest rates. Although you’ll only pay interest on what you’ve borrowed, that payment will generally move in line with the federal funds rate — which is up after today’s meeting. When you borrow with a HELOC, you have access to a revolving line of credit. It’s up to you when you want to mine it, but there are limits to what you can withdraw at any given time.

What does the Federal Reserve mean for home equity loans and HELOCs?

Today’s announcement marks the Fed’s fourth straight increase of 75 basis points in 2022.

“The Fed won’t stop until it sees consumer spending slow and inflation subside,” Wagner said. “There is a chance they will overshoot the market a bit, but that’s a risk I’d rather they take. If the Fed doesn’t do enough, inflation will spiral out of control.

Fed rate hikes aim to discourage spending and encourage savings. The interest rates for savings accounts and CD increased with each Fed increase.

Homeowners have been in the midst of a tug of war between record amounts of home equity and the increased cost of operating it. After today’s rate hike, theHome equity is denting consumers’ pockets“, will lose some of its appeal, says Jacob Channel, senior economist at LendingTree.

Although interest in home equity products has been strong for most of the year, that should change. A recent study from Harvard University’s Joint Center for Housing Studies predicts a “sharp slowdown” in home improvement projects through 2023.

“The American economy is like a big aircraft carrier. He doesn’t react so quickly. We will have to wait a few months to see the impacts of Fed actions ripple through the system, Gupta says. “But as the cost of borrowing continues to rise, at some point there has to be a slowdown in demand.”

How to Get a Home Equity Loan or HELOC

Obtaining home equity financing is a fairly simple process, but one worth your due diligence.

“Remember that a home equity loan, as the name suggests, is something you have to pay back. So don’t let dollar signs cloud your judgement,” Channel says.

Consider how a monthly payment will fit into your budget. Money may already be tight due to inflation, so think about how you can balance another monthly payment.

Be careful if you are dealing with a fixed or variable interest rate. Ask yourself if you will be able to afford the monthly payment if the rates go up.

Experts recommend shop for lenders to see who is offering the best rate.

A home equity loan or HELOC carries one major risk: losing your home. Having a structured repayment plan along with an adequate emergency fund will help protect your greatest asset.

Pro tip

Whether you have an existing HELOC or are looking to open one, keep an eye on pricing. Fed rate hikes have a more direct impact on HELOC interest rates, which often have floating rates.

How to Use Home Equity

As long as you are confident in your repayment plan, the potential uses for home equity loans and HELOCs are endless. On the whole, however, owners use them to home improvement Where debt consolidation.

However, experts recommend against dipping into your home equity just because you can. Having a clear goal and objective is crucial.

“I hope the days of using your house as an ATM are behind us,” says Jon Gilleshead of consumer direct lending at TD Bank.

Pacific Conference of Churches calls for ‘less talk, more action’ as COP27 begins


The accompanying pledge outlines the responsibility to clear a path to resources. The Kioa funding mechanism will exist as a user-friendly process that communities can access upon request,” the pledge states.

Requests can vary in scope and can include capacity building, community adaptation projects, access to public services, planned relocation, etc. This ensures that the burden of access does not fall on affected communities, the pledge explains. We call for national and sub-national recognition and support of this responsible initiative within the community.

For example, following a request from the community of Ekubu village on Vatulele Island, the Pacific Conference of Churches found funding for adaptation, loss and damage caused by extreme weather conditions induced by the climate.

The conference also secured funding from the Presbyterian Church (USA) for an outboard motor and a solar-powered freezer after a boat used by young people to fish for economic empowerment was damaged during the tropical cyclone Yasa in 2020.

The conference also sparked many other funding efforts, all of which support the call made at COP26 for greater subnational financial support for adaptation, loss and damage.

Learn more about the Kioa Declaration

WCC member churches head to COP27, ready to push for a just and sustainable global community – WCC press release of 3 November 2022

Education and jobs are important for state growth, says Sanders


Sarah Huckabee Sanders has never held public office, but the Arkansas native spent two years working as President Donald Trump’s press secretary.

She secured the Republican nomination for governor, a position her father Mike held from 1996 to 2007, and is running against Democrat Chris Jones and Libertarian Ricky Dale Harrington Jr. in the Nov. 8 general election.

Like his opponents, Sanders has a connection to Pine Bluff. She grew up in the city until she was 5 years old, when her father rose from pastor of the Immanuel Baptist Church in Pine Bluff to lead the First Baptist Church on Beech Street in Texarkana.

A graduate of Ouachita Baptist University, Sanders has made education a campaign platform, often referring to it when asked how she would solve specific issues.

All candidates were asked to meet in person with a trade reporter to answer questions before Election Day or, instead of an interview, complete a questionnaire. Sanders chose the latter.

The questions, which highlight the problems in Pine Bluff and southeast Arkansas, and Sanders’ answers are below:

Commercial: Jefferson County is a very different educational landscape than it has been for the past 20 years. For example, children in Altheimer and Wabbaseka now attend school 14 to 18 miles away in the Pine Bluff School District, which last year took over from the former Dollarway School District. The PBSD and Dollarway districts were taken over by the state Department of Education. What is your solution to strengthening school districts, making schools more accessible to rural children, and protecting them from the threat of closure or state takeover?

Sanders: “I believe that every child growing up in Arkansas should have access to a quality education and prosperity – not be trapped in a life of government dependency. Instead of allowing children to check boxes and push them through a failing system, we need to help them develop a set of skills that prepare them to be full members of society. We really need to educate our children, not indoctrinate them. The way we educate our children will determine the future of our state. That’s why I announced Arkansas LEARNS – my bold plan to improve children’s literacy, empower parents, hold schools accountable, prepare students for the job market as we Let’s implement policies to create good, well-paying jobs and prioritize safety so our children are protected in the classroom.

Commercial: How important is it to provide K-12 teachers with a more competitive salary than what they currently receive?

Sanders: “We need to have a new approach to education, not just a one-off approach. It’s extremely important for Arkansas to recruit and retain good, hard-working teachers who want to see our children thrive, that’s why I support increasing teachers’ salaries and using other smart incentives to reward hard-working teachers.”

Commercial: You have a connection to Pine Bluff in some way. It’s the largest city in southeast Arkansas, and the area tends to thrive economically like Pine Bluff does, but that hasn’t happened in a while. How do you envision Pine Bluff becoming a destination city, when we’ve seen cities in northwest Arkansas elevate that area and Osceola and Blytheville start to elevate northeast Arkansas?

Sanders: “Pine Bluff is special to me. It’s the first place I’ve ever called home. As governor, I will work daily to be our state’s chief sales officer. Pine Bluff and communities across the arkansas has so much to offer, but recruiting companies need to start with an improved workforce system so businesses know they can find the skilled workers they need. industry-led and focused on guiding students into well-paying jobs will be a key part of my administration.

Commercial: UAPB and Southeast Arkansas College offer programs to help students get high-skilled, high-paying jobs, but what will you do to help reduce the unemployment rate in Southeast Arkansas and helping those who may have been barred from low-paying jobs (example: those who failed drug tests or were imprisoned for petty crimes) in the recent past reach them and improve their situation at the same time ?

Sanders: “The single most important thing we can do to improve economic growth in Arkansas is to redesign our workforce system and ensure that those who want to work have pathways to success. across the state to get trained and enter the workforce will be a top priority. Additionally, as governor, I will also prioritize making our entire state safer and stronger by reducing violent crime. Making Arkansas one of the best states in the nation to live , work, and raise a family must include making sure families feel safe. And right now, our state has a serious problem with crime. Violent crime is on the rise and deadly illegal drugs are flooding our communities, which is why I will be closing loopholes in our parole system, be an advocate for victims, support our men and women in enforcing the law and never fund the police.”

Commercial: Where do you stand on number 4 on the Arkansas ballot, the question of whether to legalize recreational marijuana in the state?

Sanders: “I see no benefit in legalizing recreational marijuana use in Arkansas. Our country is experiencing a raging drug crisis and marijuana is a gateway drug. Overdoses were the number one cause of deaths in 2021 for 18-45 year olds My focus as governor will be to see how to reduce the drug crisis, not make it worse.

Commercial: The Southeast Arkansas District Fair has been struggling financially since the covid-19 pandemic. Fairs do much to introduce children to agriculture, home economics and other ways of life. How will you help improve the fairs and make them more profitable?

Sanders: “I love Arkansas. It’s what I run for. And one of the things I love about our state is the many fairs and festivals that make our communities unique and special. J grew up attending the Southeast Arkansas District Fair in Pine Bluff, King Biscuit Blues in Helena, the Hope Watermelon Festival, the Arkansas State Fair in Little Rock and the Four States Fair in Texarkana – for n to name a few – and now I take my kids to these same events. In addition to serving as our state’s chief salesman recruiting businesses to create high-paying jobs in Arkansas, I will strive to promote our wonderful fairs and festivals and establish our state as a leader in outdoor recreation, improving access for all Arkansans to world-class hunting, fishing, camping, hiking, cycling and mountain biking.

Commercial: What else would you like to say to voters in Pine Bluff and Southeast Arkansas?

Sanders: “The Arkansans want a fighter who will push back against failed radical left policies coming out of Washington, but also a leader who will defend our freedom and create opportunity for all Arkansans. As governor, I will cut taxes, promote an environment for Arkansas’ businesses to grow, championing great schools while empowering parents, and supporting law enforcement. Together, we’ll take Arkansas to the top and make this state one of the best places to live, work and raise a family.

Climate protesters from the U. Pennsylvania upset with discipline for protest against football game


“It looks like Penn wants to protect the institution more than the students”

Several University of Pennsylvania climate activists are not happy that school officials informed them of a possible punishment for storming a Penn football game last month.

Specifically, The Daily Pennsylvanian reports that Fossil Free Penn members could be suspended from other student groups for participating in a drive-in protest on October 22.

About 75 students took part in the protest which delayed the second half of the match by more than an hour. Nineteen students ended up being detained by campus police.

The protest was reportedly in support of FFP’s demands that the university make a “complete divestment from fossil fuels,” make direct payments to support Philadelphia public schools, and “publicly” commit to preserving a complex of accommodations.

After the protest, Penn spokesman Ron Ozio said FFP’s antics “do nothing to advance their legitimate political concerns, raise concerns about the University’s actions, but rather infringe on the rights of other members.” of the community to participate in campus life”.

AFTER: Penn climate activists collapse and interrupt board meeting

Sabirah Mahmud, a Penn sophomore and FFP coordinator, said she was told her Penn Band membership was in jeopardy because of her participation in the protest. She is currently banned from any practice or performance “until further notice.”

According to her Linkedin profile, Mahmud started the Philadelphia Youth Climate Movement when she was 16 and she told the DP it was “an integral part of his candidacy” at Penn. She said the threat of membership in a school group means students “have to choose whether to hold people accountable or participate in Penn society.”

“This new administration has only saluted activism and community engagement with disciplinary action, Mahmud added.

Penn Band member Katie Francis felt the same way, saying, “It seems like Penn wants to protect the institution more than the students within it.”

Francis said she believes it is “essential for Penn students and staff to be actively aware of their place in the greater Philadelphia community and to remain open to uncomfortable conversations.”

Fossil Free Penn held a multi-day camping event on the college green in April; he started another one in September which is still ongoing.

AFTER: Fossil Free Penn Penn upset with administration’s ‘disrespect’ and indifference to its ‘sacrifices’

IMAGE: Shutterstock.com

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Enugu State Poly to start Civil, Mechanical and Robotic Engineering – Rector


The Rector of Enugu State Polytechnic, Iwollo, Dr. Nnamdi Nwankwo said plans have been concluded by the institution to commence civil, mechanical and robotic engineering at its engineering school.

Dr. Nwankwo, a Reverend Father, said so on Friday during the polytechnic matriculation ceremony held at Agu-Obu in Ezeagu LGA of Enugu State. He added that polytechnics of engineering and agriculture were encouraged to develop innovative products.

According to the rector, the institution is making gradual progress in all areas. One of them, he said, was the institution’s move to its permanent site. He added that the bottlenecks that some polytechnic students have had so far with the Joint Admission and Matriculation Board, which affected their mobilization for the National Youth Service Corps program, have been resolved. He revealed that some poly students were mobilized during Batch-B Stream I 2022.

Apart from accreditation, Dr. Nwankwo said that the polytechnic of entrepreneurship recently approved by the institution’s board of trustees will soon generate revenue.

He thanked Polytechnic Visitor and Governor of Enugu State, Rt Hon Ifeanyi Ugwuanyi for providing the necessary support to the institution to make it a standard.

Fr. Nwankwo also hailed Hon. Hillary Chinedu Onu, Chairman of the Polytechnic Board of Trustees, for his tireless efforts to move the institution forward.

Dr. Ejike Ajibo, Deputy Rector and Director of the Polytechnic’s Udenu Campus, told the students to embrace the virtues to be good ambassadors for the Polytechnic.

Amb Lawrence Agubuzu, Chairman of the Council of Traditional Rulers of Enugu State, commended the polytechnic for its innovations and academic excellence.

The highlight of the ceremony was the administration of the Oath of Registration to enrolled students.

They expressed their joy with the school and pledged to stay focused.

It has been learned that the polytechnic has three campuses in Iwollo, Enugu and Ezimo (Udenu campus). The expansion of the polytechnic, according to our correspondent, is the brainchild of Governor Ifeanyi Ugwuanyi.

Virtual Hike Challenge to Promote Hemlock Health


While virtual exercise events have become popular in recent years to encourage outdoor weather and activities during the winter months, one challenge adds a unique environmental touch, according to the Regional Species Management Partnership. of the St. Lawrence and eastern Lake Ontario (PRISM SLELO).

The organization is offering its annual virtual hiking challenge this winter. The challenge, which began Tuesday, November 1 and will run until March 31, 2023, combines winter hiking with simple instructions to help keep an eye out for the hemlock woolly aphid. The insect is an invasive forest pest that has been confirmed in Oswego County and is spreading along the eastern shore of Lake Ontario.

The hemlock woolly aphid damages hemlocks by injecting their mouthparts into the woody tissues of hemlock branches to feed on the sap of the tree. Over time, their feeding weakens the host tree resulting in mortality within two to five years if left untreated. Infested trees will show signs of distress such as loss and discoloration of needles, damage or loss of limbs, or lack of regrowth in the spring.

The easiest time to spot an invasive pest infestation is in late fall and winter, when the insects form a white, woolly mass around their bodies that can be seen on infested hemlock branches where the needles connect to the branch.

The annual Virtual Hike Challenge encourages people to check hemlocks for signs of HWA when they hike in the SLELO area this winter. All trails in the SLELO area can be visited as part of the challenge. A map on the VHC webpage shows public trails in the eastern Lake Ontario region of the St. Lawrence that have easy-to-find hemlocks along the way.

Challenge rules:

Participants must complete the form available on https://bit.ly/VirtualHIkeChallenge to register and be entered to win prizes;

Choose from any trail located in Oneida, Oswego, Jefferson, Lewis, and St. Lawrence counties or see the map on the HCV webpage for suggested trails;

Check the hemlocks along the trail for woolly white masses of the hemlock woolly aphid; and

Help raise awareness by sharing a photo of the hike on Facebook and adding the hashtag #VirtualHikeChallenge.

How to search for HWA

Check the undersides of lower branches for white woolly masses. The presence of white masses can vary from one or more masses on a branch. Check several branches on each side of the tree. A quick tutorial on how to identify HWA can be viewed on the SLELO PRISM YouTube channel: https://bit.ly/YouTube_VHC ;

Whether or not hikers find signs of PLP, it is important that they record their observations. Positive and negative results are useful for monitoring the pest population and can be recorded using the iMapInvasives.org mobile app. Positive sightings can also be reported by calling the Department of Environmental Conservation’s Forest Pest Hotline at 1-866-640-0652.

Hemlock woolly adelgid education is part of SLELO PRISM’s “Pledge-to-Protect” awareness initiative, which offers simple actions anyone can take to protect local lands and waters from pests. invasive species. Take the ‘Pledge-To-Protect’ online at iPledgeToProtect.org. When registering, choose from five action areas: Lands and Paths, Gardens, Forests, Waters and Community. Information is emailed each month about a different activity to help protect your favorite outdoor spaces from the threat of invasive species.

For more information on the Pledge to Protect and to register for the Virtual Hike Challenge, visit sleloinvasives.org.

Acquittal of a municipal councillor; No, the Philly eateries didn’t slam the Astros; Meet the PA youth vote | Morning overview


💌 Do you want this daily summary emailed to you? Sign up for Billy Penn’s free newsletter and it will arrive in your inbox every morning.

In a new trial, a Philly council member was acquitted of corruption charges

A federal jury yesterday acquitted Council Member Kenyatta Johnson and his wife Dawn Chavous, clearing them of corruption charges brought 3 years ago.

  • Little new evidence has been presented at the new trial. The case revolved around a consultancy contract from Universal, which the government claims was given to Chavous in exchange for political favors.

Philly’s reputation as a hotbed of corruption is overblown – it’s not in the top 5 cities – and Johnson voters have maintained their support for their councilman.

Kimberly Paynter / WHY

No, Philadelphia restaurants didn’t deliberately reject the Astros

Angelo’s pizzeria and Mike’s barbecue went viral earlier this week for refusing to fill a restaurant order from the Houston Astros, but that’s not the whole story.

  • A sporting rivalry gone too far? Fans on both sides have been disappointed by news reports claiming this, but both restaurants say food orders were declined as they landed outside of business hours.

People don’t really read the articles, they just read the headline,” the chef-owner of Mike’s BBQ told Asha Prihar.

Mike's BBQ food in South Philly
Instagram / @omaalex

Procrastinator’s Guide to Philadelphia’s November Election

The midterm elections are approaching and the Billy Penn Procrastinator’s Guide is here to help. Scroll through this cheat sheet to all the candidates and charter change questions, then mark it for easy access when you fill out your mail-in ballot or head to the polls on Nov. 8. Read the guide in Spanish here.

RECAP: What else happened?

$ = paying

The story you haven’t read

🌟 Highlight good BP articles that few people clicked on 🌟

  • BP contributor Denali Sagner spoke with Adrianna Jones-Alston, daughter of Holmesburg prison experiments survivor Leodus Jones, about what the city’s recent apology means for her father and the legacy of his activism.


Selling Thanksgiving pies is the big annual fundraiser for MANNA, a 30-year-old “food as medicine” nonprofit. Mayor Kenney appears at Lincoln Financial Field to help announce the Nov. 22 event and officially declare Pie Day in Philadelphia (1:20 p.m.).


☕ Elixir Coffee is kicking off its “Heart on Your Sleeve” poetry project with a party and will be printing poems on take-out coffee sleeves throughout the winter and spring. (7 p.m. to 10 p.m. Saturday, Nov. 5)

🌮 Taller Puertorriqueño is hosting a BYOB Bad Bunny brunch with dishes from La Chingonita and El Merurky and pumpkin coquito for sale. Tickets are $50 with proceeds going to Hurricane Fiona.[11am1pmSunday6November)[11amor1pmSundayNov6)[11hou13hdimanche6novembre)[11amor1pmSundayNov6)

Keystone State Challenge Academy is now accepting applications for the January 2023 class


Annville, Pennsylvania – Keystone State ChalleNGe Academy (KSCA) is accepting applications for its second class of cadets beginning in January 2023. KSCA is designed to give academically challenged teens a second chance to get their basic education, learn the leadership, self-discipline and accountability while striving to complete their education and build a better life.

The opening of the academy at Fort Indiantown Gap (FTIG) in Lebanon County in July 2022 officially established the National Guard Bureau’s Youth Challenge program in Pennsylvania. The program is open to Pennsylvania residents ages 16 to 18, male and female, who are not progressing through high school or who may not be on track to graduate. Applicants must be prepared to be drug-free, felony-free, and willing to commit to the program. The program lasts 17 months, with the first five months consisting of residential training at the FTIG followed by a year of mentoring in the community.

“After seeing the success of the first class of cadets, we are excited to build the second class and get off to a strong start in January,” said KSCA Director Steve Grossman. “It has been a pleasure working with the current class and seeing how focused they are on achieving their goals towards a better future. Many cadets talk about bettering themselves through higher education, the trade industry and schools, and even military service. It’s gratifying to see the cadets so excited about the next step in their lives.

For detailed eligibility criteria and to begin the application process, visit our Eligibility and Admissions webpage. If you prefer to receive an application by mail or would like to speak to someone about this program, please contact the academy by emailing [email protected], or calling 717-861-7767 or 717-861-8831.

The KSCA is a joint effort between the Pennsylvania Department of Military and Veterans Affairs (DMVA) and the National Guard Bureau in consultation with the Pennsylvania Department of Education (PDE).

Cadets are introduced to the military structure and focus on eight core elements: academic excellence; Fitness; Leadership/follow-up; Responsible citizenship; Professional skills; Community Service; Health and hygiene; and Life Skills. Graduates often receive high school credits, diplomas, or a GED. There is no tuition fee to attend. Meals, accommodation, uniforms and school supplies are provided free of charge.

Since the program’s inception in 1993, more than 179,000 young people have completed the Challenge program nationwide. This award-winning program has been recognized as one of the most effective and cost-effective programs in the country for targeting young people who have dropped out of school or who are most at risk of not progressing satisfactorily, who are unemployed or under -employees.

The National Guard Youth Challenge program currently operates 40 Youth Challenge sites in 31 states and territories. The program is funded by both the federal government and the state.

More details can be found at www.dmva.pa.gov/KeystoneStateChallengeAcademy.

I applied for a $1,000 loan. Here is what happened.


Disclaimer: This is sponsored content. All views and opinions are those of the advertiser and do not reflect the same of WTKR.

When my car broke down a few months ago and I needed quick cash for repairs, my friend recommended a company called ZippyLoan.

They say you can borrow between $100 and $15,000 and have the money in your account by tomorrow, even if you have bad credit.

But are they legit or just another scam?

Keep reading to find out what happened when I tried ZippyLoan and if you should ask them for a loan too.

What is ZippyLoan?

If you’ve searched online for a personal or payday loan company, you’ve probably heard of ZippyLoan.

This is a free, no-obligation service that helps connect you with potential lenders.

If you’re looking for quick access to a personal loan through a simple, secure, and transparent process, ZippyLoan may be able to help.

Its website states that borrowers can avail unsecured personal loans with just proof of identity and a regular source of income.

Whether you need a loan for personal or family use, like making a major purchase, renovating your home, consolidating debt, or just covering an unexpected expense, ZippyLoan can help.

How ZippyLoan Works


When you use ZippyLoan, you are not borrowing directly from the company.

They are not lenders and are not involved in the loan approval process.

Instead, ZippyLoan helps connect you with potential lenders who can lend you the money you need.

Here is an overview of how ZippyLoan works.

  1. The first step is to complete an online form. ZippyLoan says it takes less than 5 minutes. You can fill out this form on a desktop or mobile device 24 hours a day, 7 days a week, so there are no queues or waiting.
  2. The second step is that ZippyLoan tries to put you in touch with a lender who will make you a non-binding offer. It shares your information with lenders on its platform to see who may be able to help you. If you receive an offer and are satisfied with the terms of the loan, you can sign a loan agreement online on the spot and have your money deposited in your bank account the next working day.
  3. The third and final step is to repay your loan. If you take out a payday loan, you can pay on your next pay date. You can also opt for a personal loan that offers monthly repayment for up to 60 months.

To apply for a loan from ZippyLoan lenders, all you need is proof of identity and a regular source of income.

There is no minimum credit score, so you may be able to get approved for a loan regardless of your credit history.

This makes ZippyLoan one of the best places to apply for a personal loan if you have a low credit score.

Is it safe to use the ZippyLoan website?

Plugging your personal information into a website can be daunting, but ZippyLoan is safe and secure.

They are members of the Online Lenders Alliance (OLA) and are committed to high standards of conduct. If you have any problems, you can call the OLA Consumer Helpline (1-866-299-7585) for assistance.

ZippyLoan OLA.png


Credit checks?

As ZippyLoan is not a lender, it does not perform credit checks, so your credit score will not be affected.

If you accept an offer, the lender will tell you whether they will do a soft or hard credit check before electronically signing your agreement.

Is it easy to use?

ZippyLoan’s online form is fully optimized for mobile devices, so you can apply for a personal loan wherever you are.

The form takes less than 5 minutes to complete and you should start receiving offers from lenders immediately.

Quick approvals?

One of the best features of ZippyLoan is that everything is done online so you can get approved quickly.

If a lender makes you an offer that suits you, you can sign the agreement online and receive your money the next business day.

Rates and Fees

Network lenders offer between $100 and $15,000 and are flexible on rates and fees.

The exact terms you are offered will depend on your personal circumstances and credit history, but here are some representative examples:

  • Short-term or payday loans are usually due in full in 14 days and cost between $10 and $30 per $100 borrowed.
  • Personal loans can be repaid over 6 to 60 months and have an annual rate (APR) of between 7.04% and 35.89%.

To give a fair review of ZippyLoan, I also wanted to give my opinion on some of the downsides of using the website.

Disadvantages of ZippyLoan?

Unfortunately, ZippyLoan is not available to residents of New York, District of Columbia, Oregon, or West Virginia.

And because it’s not a direct lender, it makes no promises that you’ll be approved or qualify for a certain rate on your loan.

Another thing to remember is that ZippyLoan won’t do a credit check when you fill out their form, but all the lenders you work with will.

Most lenders will do a credit check through one of the big three credit bureaus, Experian, Equifax or TransUnion.

This type of check can show up on your credit report and can worsen your score, so be sure to check with lenders before applying.

My experience with ZippyLoan

When my car broke down and needed repairs, I had to borrow $1,000 and asked ZippyLoan for help.

Here’s how it went.

  • The application process was very simple and it took me less than 5 minutes to enter all my information.
  • Within minutes I had loan offers from lenders ready to lend me. The terms of the loans were all written down and I could see what credit checks they wanted to do before I accepted the loan.
  • I decided to choose a lender who offered me a 14 day loan with a fee of $15 per $100. This meant I could borrow $1,000 for two weeks and had to pay back $1,150, which I thought was reasonable.
  • After accepting the offer, I had the $1,000 in my account the next day.

I found the whole process very easy and was able to get the money I needed quickly, and will use them again if I ever needed emergency money.

If you’re looking for a quick loan to get you out of trouble and you’re sure you can pay it back, then I 100% recommend ZippyLoan.

Click here to visit the ZippyLoan website and request the money you need today.

Women must lead the way out of climate crises and conflict in Yemen


When the Saudi-led, US-backed coalition entered Yemen in early 2015 to “restore” the ruling government after Houthi fighters seized power in the capital Sanaa, no one imagined that the conflict would escalate into a full-scale war and last nearly seven years. Or that it would trigger the world’s worst humanitarian crisis with the death toll reaching a quarter of a million, leaving 24.1 million people – 80% of Yemen’s population – in need of humanitarian aid.

In March, the United States government announced nearly $585 million in humanitarian assistance to Yemen. The humanitarian crisis in Yemen, further exacerbated by the pandemic, now includes severe effects of climate change. With $4.5 billion spent by the United States on the war in Yemen, a peace process in Yemen could help disentangle the United States from the disastrous Saudi-led war.

A groundbreaking report that was also released this year on the work of women-led Yemini organizations may offer key insights into addressing these overlapping crises.

Yemeni women, especially pregnant women and mothers of young children, are the most vulnerable early victims of climate-related hardships, as well as war-related chemical pollution, mismanagement of natural resources, corruption, displacement, gender-based violence and destruction. of natural habitats.

To strengthen women’s leadership in the face of climate change and these other overlapping crises, the Geneva Center for Security Sector Governance, or DCAF, undertook a year-long assessment that resulted in a groundbreaking report : Gender, Climate and Security in Yemen – The Links and Ways Forward.

Two Yemeni consultants co-wrote the report: Dr. Nadia Al-Sakkaf, Yemen’s first female information minister, former editor of Yemen time, and founding member of the National Reconciliation Movement; and Muna Luqman, one of six finalists for the US Institute of Peace’s 2022 Women Building Peace Award, co-founder of the Women’s Solidarity Network, president of Food For Humanity, and member of the Women’s Alliance for Security Leadership.

“The main objective of the project was to train twenty-three women-led organizations in Yemen and build their capacity, raise awareness of climate change issues and analyze the availability of any entry point for peace through the lens of climate change – which we actually found quite a few, says Luqman.

The report focused on “fragile and conflict-affected states” (including Yemen, Mali and Colombia) where climate change “jeopardizes efforts to secure peace and security while deepening inequalities between the sexes”.

Last year, DCAF designed a series of participatory hybrid learning and advocacy workshops on gender, climate and security for women’s rights organizations in Yemen. Representatives of twenty-three organizations from seven Yemeni governorates met in four “clusters”. Beyond knowledge sharing, participants heard from leading climate change experts and advocates, including Tareq Hassan, director of the Arab Youth Sustainable Development Network, and Bilkis Zabara, former director of the Center for Research and gender development studies at the University of Sanaa.

Luqman and Al-Sakkaf have documented the basic extent of the impact of gendered climate change on peace processes in Yemen. They examined the results of surveys of twenty-five women-led organizations and interviews with more than thirty-five men and women, including environmental specialists, academics, local NGOs and community organizations. Civil society. Meetings with state and local actors across Yemen helped define “awareness of climate change as an important entry point for peace”, says Luqman.

When workshop participants were tasked with identifying their main climate change-related projects, they initially defined their work as purely “humanitarian”. Once they detailed their activities, Luqman realized that they had already worked at the intersection of climate change, gender and peace without defining it as such.

In Yemen, extreme drought and flooding, rising sea levels, changing rainfall patterns and more frequent and violent storms are destroying agricultural land, leading to food insecurity and population displacement. Displaced people are further traumatised, the report says, by rejection from host communities who are unwilling to share dwindling resources.

Using siege and blockades, Yemen’s warring factions are also militarizing access to water. The control of natural resources, especially water, accentuates the armed conflict in Yemen.

Civil society organizations led by women are particularly well placed to address these challenges. Their local knowledge and perspectives fill the wide gaps left by local and international organizations. On remote frontlines in Yemen, women-led organizations have helped facilitate negotiations to open humanitarian corridors, release detainees, provide water and food resources, and demilitarize youth and schools.

Civil society organizations led by women are particularly well placed to address these challenges. Their local knowledge and perspectives fill the wide gaps left by local and international organizations.

As climate change takes an even heavier toll on resources, these organizations are empowering young people and women, who are most directly affected by the crisis, to tackle it in their own communities.

Irtefaa Ameen Ahmed Sallam of the Yemen-based organization Cleaning and Development Fund, which participated in the assessment, highlighted in an interview how torrential rains crippled infrastructure in Taiz (the mountainous southwestern city renowned for coffee production and now under the control of the Houthi militia). The accumulation of garbage has created a “sewer explosion” there. She coordinated trash removal with large machinery and hired a team to disinfect the trash piles to prevent infestation and disease. Religious extremists threatened her not to come off the streets. But having lived with the “ever-present threat of death… from missiles or live ammunition”, Sallam said she was not discouraged from continuing her “peacemaking process”.

The end result of the workshops was the Yemen Climate Change–Women, Peace and Security Nexus Network, a coalition of groups that participated in the assessment. climate change at all levels of government.

The Network has drafted eleven recommendations for national, regional and international stakeholders. These include topics ranging from “climate considerations and their gender dynamics in any future political agreement”, to “unbiased and gender-sensitive coordination”, to the management of natural resources and the fight against climate change, to “planning a gender-responsive and gender-responsive crisis response to coordinate” the actions of security providers. The Network also called for the inclusion of women in “decision-making and policy-making circles”, the promotion of “positive coping mechanisms and sustainable livelihoods for marginalized women” and the education of women and girls to better cope with “climate shocks”. By increasing the resilience of the “agricultural sector to improve food security chains” and deploying economic empowerment measures, the recommendations call for support and funding from the international community to address gender, security and climate issues. in peacebuilding.

Finally, the recommendations outline how peacebuilding and gender issues should be “addressed to support adaptation and resilience to climate change”.

“We are fighting to ensure that this awareness is fully integrated into the peace agreements which we hope will finally materialize,” says Luqman, referring to a UN-brokered ceasefire that recently ended. expired and fighting has now resumed.

Beachwood Schools Updates Elementary Facility Community Meeting Schedule


BEACHWOOD, Ohio — Beachwood Schools announced an updated schedule of elementary facility community meetings to review master plan options. The Beachwood School Board will review and hold an in-depth discussion of the options during two meetings scheduled for November.

According to the updated schedule, a presentation of the options for the master plan will take place at 7 p.m. on November 14 at the regular meeting of the school board at Fairmount Elementary School, 24601 Fairmount Blvd. The design team will share the process of developing, with community input, options for the master plan and recommend two options to the board.

These options were narrowed down from four options presented to the community in October. These options include:

— Option 1 includes updates from Fairmount Elementary for Pre-K; renovations and additions to Bryden Elementary for K-2 students; and renovations and additions to Hilltop Elementary for grades 3-5. This plan would require the relocation of students from Bryden and Hilltop to other schools for the duration of construction. The cost of Option 1 is estimated at $64.5 million.

— Option 2 includes updates from Fairmount Elementary for Pre-K; the construction of a new elementary school on the Bryden site (25501 Bryden Road) for students in kindergarten to grade 2; and construction of a new elementary school on the Hilltop site (24524 Hilltop Drive) for students in grades 3-5. The cost of Option 2 is estimated at $64.9 million.

— Option 3 includes renovations/additions to Fairmount Elementary for Pre-K-Grade 2 classrooms; renovations/additions to Bryden Elementary for grades 3-5; redeveloping the Hilltop site as a community recreation park and demolishing the Hilltop building while retaining its outdoor gymnasium and basketball courts and adding restrooms, soccer fields, a new playground and walking paths. Option 3 has an expected cost of $61.8 million.

— Option 4 would include renovations/additions to Fairmount Elementary for Pre-K through Grade 2 classrooms; a new elementary school for grades 3-5 at the Bryden site; redeveloping the Hilltop site as a community recreation park while demolishing the building and retaining its outdoor gymnasium and basketball courts, and adding restrooms, soccer fields, a new playground and walking paths. The estimated cost of Option 4 is $58.4 million.

The recommendations will be based on stakeholder feedback gathered from an online survey and conversations with more than 90 residents who attended the October 20 community meeting.

Following Monday’s presentation, a public study session will take place at a special meeting to be held at 7 p.m. on November 17. During the study session, the board will ask the design team questions about their recommendations and discuss options. The study session will also allow the public to ask questions. This meeting will be held in the Community Meeting Room at Beachwood High School, 25100 Fairmount Blvd.

Previously, a community meeting was scheduled for November 17. The updated schedule allows more time for the school board to ask questions, consider master plan options and hear questions from community stakeholders. Recordings of the meetings will be available on the District Basic Facilities Updates page.

Following these meetings, the school board will determine a final option based on community feedback and recommendations from the design team. The board is expected to vote in December on whether to impose a bond draw on the May 2023 ballot for public scrutiny.

See more news from Sun Press here.

Teenage boy believed to be at center of week-long Christchurch crime spree faces 81 charges

A raid at Oak Village Food Mart, Halswell, in August was allegedly carried out by young people.


A raid at Oak Village Food Mart, Halswell, in August was allegedly carried out by young people.

A 14-year-old who faces 81 charges for allegedly cutting his bracelet and embark on a week-long crime spree was reprimanded by a youth court judge.

The boy appeared in Christchurch Youth Court on Monday before Judge Jane McMeeken.

His charges include assault with intent to injure, unlawful seizure of a motor vehicle, aggravated robbery and larceny, police confirmed.

Justice McMeeken’s message to young people on Monday morning was clear: “You are hurting people.

* Timaru man faces 37 charges in remand
* Dairies and gas stations targeted by the Mcdonald brothers’ crime spree
* Taranaki gang member who evaded police appears in court

“Why are you here again?… What did you think was going to happen when you cut your bracelet?” Judge McMeeken asked the boy.

She told him that if he continued to make bad decisions, he would be locked up for a long time.

“You are a good man. You have potential…you have to make something of yourself.

The boy’s father and stepmother were in court supporting him on Monday.

His arrest comes at a time when it is alleged child crime in Christchurch is at its highest level in nearly a decade.

Some of the teenager’s alleged crimes were caught on camera and posted on social media.

He was responsible for the theft of several cars and more than $1,000 in gasoline, the court heard.

“You have support in your corner and you have things going for you. I don’t understand why you want to be locked up, the judge said.

“You hurt people, it hurts people when you steal their cars. You are not stupid.

The judge said she and many others were “bewildered” by the boy’s alleged recent behavior.

Judge Jane McMeeken told the teenager she could not grant him bail because he


Judge Jane McMeeken told the teenager she couldn’t grant him bail because he was “hurting too many people”.

A psychologist’s report was ordered, and no bail application was made because it was of no use.

“I couldn’t grant you bail today, you’re hurting too many people,” the judge said.

As Judge McMeeken took the boy into custody, she said, “I’d like you to think about why you made those choices.”

He will remain at the Te Puna Wai Juvenile Justice Residence until his next court appearance on November 14.

A staff member at Te Puna Wai told the judge the boy had been “pretty quiet” while in police custody.


Offenders raided a dairy on Roberts St in Lincoln in August. (First published August 19, 2022)

In a statement, Christchurch Metro Commander Superintendent Lane Todd said police charged a 14-year-old with 81 counts following an investigation into a number of serious incidents.

Four young people were arrested, three on Thursday and after lengthy investigations, a fourth young person was arrested on Saturday morning.

They are believed to be responsible for a series of car thefts and muggings across the city.

A helicopter was used by police to help locate and arrest the 14-year-old in question, Todd said.

A member of the police personnel boarded the helicopter to help locate the attacker, who presented a “serious risk to [the] community and themselves.

“We are pleased to have quickly and fully addressed what has been a significant series of offenses by a small group of young people,” Todd said.

Christchurch Metro Commander Superintendent Lane Todd said four youths believed to be responsible for a host of car-related crimes and assaults in the city have been arrested.  (File photo).


Christchurch Metro Commander Superintendent Lane Todd said four youths believed to be responsible for a host of car-related crimes and assaults in the city have been arrested. (File photo).

“However, it is difficult to see these apprehensions as anything other than an inevitable end to a story that began long before an offense was committed.”

Todd said it was rare to see young offenders coming “unannounced”, he encouraged communities to contact the police if they see concerning behavior among young people.

“In Christchurch, as in many centres, we run multi-agency programs to support wider whānau who are struggling with tamariki behavior issues.

“There are many factors driving youth delinquency, and a broad and focused approach is needed keeping whānau at the center of developing solutions.”

The police are working with partners, including Oranga Tāmariki and the Department of Justice, to crack down on drivers of young offenders.

“The role of the police is very clear: we have an obligation to the community, and we will respond, investigate, apprehend and hold people to account.

Frost on the housing pumpkin as home loan rates hit 7%


The Fed’s aggressive rate hikes, intended to rein in a 40-year-old surge in inflation, are throwing an icy, damp blanket over Chicago’s once-hot domestic market.

30-Oct-22 – Frost is on the pumpkin patch this Halloween week for thousands of Chicago-area house hunters. Homeownership continues to drift further and further away as average long-term mortgage rates topped 7% nationally for the first time in more than two decades. This action is the direct result of aggressive rate hikes by the Federal Reserve aimed at tackling skyrocketing inflation not seen in 40 years.

October 27, Freddie Mac’s Core Mortgage Market Survey reported that benchmark average rates for 30-year fixed-rate mortgages rose to 7.08% from 6.94% a week earlier. A year ago, 30-year fixed mortgage rates averaged an affordable 3.14%.

“The 30-year fixed-rate mortgage broke seven percent for the first time since April 2002, leading to further stagnation in the housing market, said Sam Khater (left), chief economist at Freddie Mac. “As inflation lingers, consumers are seeing higher costs at every turn, driving consumer confidence down further.”

“In fact, many potential buyers are choosing to wait and see where the housing market ends up, pushing demand and house prices even lower,” Khater said.

The Fed has raised its benchmark policy rate five times this year, including three consecutive increases of 0.75 percentage points that brought its short-term borrowing costs to a range of 3 to 3.25 percent, the level the highest since 2008.

Forecasters predict that the Fed will raise its key rate to 4.4% by the end of the year and up to 4.6% at the start of 2023. This would be the highest level since 2007. On the basis of these Fed measures, mortgage analysts say that 30-year fixed home loans could easily reach – or exceed – the 8% level by the end of 2022 or the beginning of 2023.

Freddie Mac

Fifteen-year fixed mortgages averaged 6.36%, Freddie Mac reported on Oct. 27, down from 6.23% a week earlier. A year ago, 15-year fixed loans averaged 2.37%.

Looking for a better deal, borrowers are starting to flock to riskier adjustable rate mortgages (ARMs), according to lenders.

Freddie Mac also said on Oct. 27 that rates averaged 5.96% on five-year Treasury-linked hybrid ARMs, down from 5.71% a week earlier. A year ago, the five-year ARM averaged 2.56%. The Freddie Mac survey focuses on conventional, conforming, fully amortized home purchase loans for borrowers who put 20% less and have an excellent credit score of 740 or higher.

Good deals are always available

Fast-moving Chicago-area borrowers still have a slim chance of locking in subsequent bargain rates beginning Oct. 27, RateSeeker.com reports.

• Hegewisch’s First Savings Bank quoted 5.611% on 30-year loans and 4.950% on 15-year mortgages with a 20% down payment and loan fees of $615.

• Mutual of Omaha quoted 5.934% on 30-year mortgages with a 20% down payment and 5.625% on 15-year mortgages with a 20% down payment. Borrowers will also pay a loan fee of $850, plus points, or 0.25% of the loan amount.

Building stories: if I were Minister of Education, Science and ICT


JUST after the 2013 general election, a local youth organization – Youth Empowerment and Transformations Trust (YETT) published an essay contest ad in the media titled ‘If I were Minister of…’. in which they called on young people and young people to choose a minister of their choice and present solutions to the problems they thought were affecting young people.

Meanwhile, the late former President Robert Mugabe had just appointed a new cabinet. In his plethoric cabinet, he had just appointed the former governor of Masvingo Josaya Hungwe Minister of State responsible for liaison on psychomotor activities in education and vocational training. This decision, seen by many as a way to reward its allies, as the two ministries of primary and secondary education as well as higher and higher education, science and technology already served the same purpose.

My favorite choice was this very controversial new ministry and my reasons were strategic. It would give me a helicopter view to write about the entire education system, from primary to higher and tertiary education, the development of science and technology all at once. Since the Ministry of Psychomotricity was disbanded in 2017 and for relatability purposes, I have titled this article under a combined Ministry of Education, Science and Technological Development.


The Ministry of Psychomotor Activities of Education and Vocational Training was talking about them and no one knew roughly what it was. Interestingly, one of the local publications at the time actually reported that 3 weeks after taking office, the new Minister of Psychomotricity Hungwe had no idea about his job description.

In choosing this ministry, I had researched and thought deeply and thoroughly about why President Mugabe had created it in the first place. I understood his intentions were good but misunderstood, well I thought so at the time. In President Mugabe’s head I thought he probably created the ministry to sort of oversee both the ministries of primary and secondary education and the ministry of further and higher education based on the 1999 Nziramasanga Commission report.

After submitting my essay, a few months later, the selection process was complete and it was to my surprise that towards the end of January 2014, I received a message informing me that I had been shortlisted among the 30 best upcoming writers in Zimbabwe. I had to attend the award ceremony with other young shortlisted candidates. The ceremony was honored by Godfrey Gandawa, then Deputy Minister for Higher and Tertiary Education, Science and Technology Development.

Our essays have been submitted to the Ministry of Higher and Tertiary Education, Scientific and Technological Development. What prompted me to retrieve these nearly decade-old archives was the continued ridicule of Daniel Chingoma and the recent backlash from the University of Zimbabwe authorities ordering him to remove his helicopter from the institution’s premises. , otherwise “they would burn it”. This was revealed by Chingoma in a radio interview recently. Young people are watching and this response, in my opinion, sets a bad precedent and dampens the spirit of research and innovation.

The sad story of Daniel Chingoma’s Zimcopter

In my 2013 essay, I highlighted Chingoma’s story and how, despite not having a college degree, he went the extra mile to work with what he had to design a helicopter from scrap metal, an engine car, a Lexus V8 engine. It had side mirrors from a bakkie Hilux and a tobacco thermometer in the cockpit.

I wrote how saddened I was by the lack of action from the government to help him and how the government through the Department of Psychomotricity needed to prevent this from happening again in embarking on a massive “exercise of educational revolution” which in turn will create what I have called “a new nation of technicians, scientists, artisans and entrepreneurs” to reduce the scourge of unemployment in the country.

In addition, I advised the ministry to give priority to the “revolution of the education system” by revising the school curriculum and introducing hours of practical learning at the primary level. For example, during hands-on time, children had to be creative by making wire cars, wire objects, building clay houses, etc. This would be for talent scouting. At the end of the 7-year-old primary education, there would be an additional practical exam and it would be easy to quickly identify talent at this stage.

At secondary level, I advised the reintroduction of the Zimbabwe Junior Certificate (ZJC) without segregation to practical subjects. After the junior certificate, depending on the results, those who were good in practical work, science only and crafts would be sent to new schools called technical schools intended for practical science and engineering.

Those who are good in academic subjects would continue to O’ and A’ levels and the program would place more emphasis on entrepreneurial skills.

To be continued…….

FungayiSox works at TisuMazwi – a communication-centric social enterprise that specializes in research, book publishing, and storytelling projects. He writes on a personal basis. For comment, contact him on 0776 030 949, follow him on Twitter @AntonySox, or connect with him on LinkedIn on Fungayi Antony Sox.

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Visit Annapolis and Anne Arundel County has GREAT suggestions for November


Visit Annapolis & Anne Arundel County has a fantastic list of events happening in the city of Annapolis and Anne Arundel County. Check out some of these old favorites and some new ones too!

Experience the quirky and proud Eastport vs. Annapolis Tug of War, shop at the state of Maryland’s largest discount shopping destination at Arundel Mills, run the Chesapeake Bay Bridge in the Bay Bride Run of our county or plan a weekend in Annapolis for veterans. One-Day Classic Basketball Tournament at the United States Naval Academy!

Music, sports, shopping and entertainment await, along the waterfront along the shores of the Chesapeake Bay this November in Annapolis & Anne Arundel County.

November, 1st An Unveiling of the Port of Annapolis Landmark (Annapolis) On Tuesday, November 1, 2022, County Executive Steuart Pittman, Mayor Gavin Buckley and the Port of Annapolis Landmark Committee will unveil the Port of Annapolis Landmark naming Annapolis , Maryland, as a “site of memory” in coordination with the Slave Route project of the United Nations Educational, Scientific and Cultural Organization (UNESCO). Join community leaders and attendees at Asbury United Methodist Church for the commemoration with a dedication ceremony immediately following at Susan B. Campbell Park in downtown Annapolis. 11 a.m. – 1 p.m.

November 4-6 & November 11-13 Annapolis Jazz & Roots Festival (Eastport) Celebrate the sounds of New Orleans with GEORJAZZ; discover the best of Flamenco Jazz, Pop & Rock with the Juanito Pascqual Trio; sing along with Chesapeake Bay Songs & Sea Chanteys, and more! Stay in historic downtown Annapolis or book a local short-term rental for two weekends of culture, history, and best of all, jazz and live music!

November 5 Fall Foliage Bay Lighthouse Cruise (Annapolis) This beautiful cruise features three Chesapeake Bay lighthouses and a spectacular view of the beautiful fall foliage along the Annapolis waterfront. A lighthouse keeper in historical dress provides live interpretation for a very enjoyable cruise. Saturday November 5 – 10:30 a.m. – 1:30 p.m.

November 5 Tug of War, Slaughter Across the Water (Eastport vs. Annapolis) The Tug of War, a celebration of the geographic and, some say, philosophical differences between Eastport and Annapolis, is a can’t-miss maritime event like no other. The Tug starts at noon! Gather at 2nd Street in Eastport or Susan Campbell Park on the Annapolis side for some rebellious commotion, drinks, food vendors and a good time.

November 10 Radical Voice of Blackness Speaks of Resistance and Joy (Annapolis) Curated by Myrtis Bedolla of Galerie Myrtis, this exhibition of art by fifteen black artists from Maryland, along with works from the Banneker-Douglass Museum art collection implores the viewer to examine historical and contemporary themes of Black joy and healing created in opposition and despite oppression. The exhibition opening reception will be held on November 10, from 6:00 p.m. to 9:00 p.m. This permanent exhibition will run daily until September 30, 2023.

November 11th Veterans Classic, Basketball at the United States Naval Academy (Annapolis) Come to the USNA for the 9th Annual Veterans Classic. This men’s basketball event honors veterans from all branches of service. At 6 p.m., St. Joseph’s will face the University of Houston. At 8:30 p.m., the Midshipmen will face the Princeton Tigers. Reserved tickets: $40, general admission tickets: $25, tickets are good for both games! 6:00 p.m. – 11:00 p.m.

November 12 Navy vs. Notre Dame NCAA Football (Baltimore) A college football game so important they had to move it to M&T Bank Stadium! The match kicks off at noon. Book your stay in the BWI Hotel Region and enjoy all of the area’s amenities, including public transportation, to easily get in and out of Baltimore. Play Arundel Mills and shop at Arundel Mills Mall, games and entertainment at Live! Casino, Maryland and more! Click HERE for a list of hotels in the BWI area.

November 13 The Bay Bridge Run/Walk (Annapolis-Stevensville) This EPIC 10km run crosses the eastern part of the Bay Bridge from Anne Arundel County to Kent Island in Queen Anne County and ends with a huge after party the race! Viewpoints and photo ops abound, and this race attracts running enthusiasts from all over the country, so act fast to secure your spot.

November 13 Sweet Potato Fest (Lothian) A new autumnal tradition, the festival will feature live music, creative activities for children, sweet potato digs, face painting, a bouncy house, corn pools and a farmer’s market special with vendors selling different varieties of sweet potatoes and sweet potato treats! The Farmer’s Market is ONLY for those who have purchased Sweet Potato Fest tickets. CHILDREN 3 and under FREE, CHILDREN 4-12 years old. $10/each, ADULTS 13 AND OVER $25/each. The festival will take place over a single day, from 11:00 a.m. to 3:00 p.m.

November 13 Rams Head presents Lindsey Buckingham (Annapolis) Buckingham is one of the most inventive and electrifying musicians of his generation. Under Buckingham’s leadership, Fleetwood Mac became one of the best-selling and best-loved rock bands of all time. Listen to this unprecedented artist at Maryland Hall for the Creative Arts in an intimate setting. Tickets, $75.00 – $224.00 – accessible seating available. The show starts at 7:30 p.m.

November 18 Annapolis Downtown Christmas Tree Lighting (Parole) In one of the nation’s top vacation towns, we’re kicking off the season ASAP! Forthcoming Downtown Annapolis to sing along, hot chocolate at the Paseo, performances from the Maryland Performing Arts Center and the big guy himself, Santa Claus! 6:00 p.m. – 8:00 p.m., tree lighting at 6:15 p.m.

November 18 – December 18 Horse and Carriage Rides (Conditional Release) Downtown Annapolis brings holiday magic with weekend horse and carriage rides throughout the holiday season! Book your ride on their website and enjoy a hot chocolate or champagne while experiencing the holiday magic of the season. Carriage rides are limited to 4 people, with one ticket required per person. Tickets are $60 each.

November 20 – January 2, 2023 Lights on the Bay (Sandy Point State Park) Lights on the Bay is an annual holiday light show featuring a two-mile scenic drive along the shores of the Chesapeake Bay through Sandy State Park Point, with more than 70 animated and stationary exhibits representing holiday regions and themes. All proceeds benefit the Anne Arundel County SPCA! Tickets: $20.00 – PER CAR | $5.00 – 3D Glasses | $30.00 – LARGE VANS, MINI-BUSES AND CARTS | $50.00 BUS. Doors open at 5:00 p.m., recurring daily until January 2, 2023.

November 25 Black Friday Shopping at Arundel Mills Mall (Hanover) Need the perfect gift at the perfect price? Consider a shopping trip to Maryland’s largest discount mall, Arundel Mills Mall! With Saks OFF Fifth, Kate Spade, Foot Locker and over 200 stores offering discounts of up to 70% off everyday prices, you might be in retail heaven! Family Meals and Entertainment is packed with activities for the whole family, plus Live! Casino & Hotel, the largest gambling hall in the state. Please check the mall’s website for opening hours during holidays.

November 25 2022 Jug Bay Post Turkey 5K Trail Run (Lothian) Get rid of all that turkey with this scenic 5K in South County. All proceeds will go to the Friends of Jug Bay to fund the purchase of kayaks, which will support their outdoor education programs along the Patuxent River. Cost: $15 per person, ages 12 and up.

November 25 Jolly Express Cruise (Annapolis) Ho, Ho, Ho and a bottle of rum! Well, maybe not the rum, but Santa Claus is returning to the shores of Annapolis with his Jolly Express cruise! Grab the kids and family and start a new holiday tradition! Miss Anne will be adorned with a festive reindeer spirit and a cheerful red nose for an intimate 45-minute “sleigh ride” including hot chocolate, holiday music and good cheer. Bring your blankets to stay cozy and warm. Cruises are available on select dates in November and December. Cost: $25/adult $13/child (11 and under) Cruises depart at 4:00 p.m., 5:00 p.m., 6:00 p.m., 7:00 p.m. Visit the Watermark website to book your adventure!

November 25 White Christmas (Annapolis) Maryland Classical Theater presents White Christmas from November 25 to December 24, 2022. Based on the beloved 1954 film, this musical adaptation features music by Irving Berlin and revolves around a successful song and dance number and a duo of singing sisters. A perfect start to the holiday season, reserve tickets for a heartwarming classic full of love and laughter. Cost: $55 to $75, recurring weekly on Thursday, Friday, Saturday and Sunday.

November 26 Small Business Saturday (Anne Arundel County) Discover the best small business owners have to offer and commit to shopping locally this holiday season. When you shop locally, your friends will appreciate something unique and special. Gift Cards are also a great way to give a gift to your favorite downtown Annapolis and Anne Arundel County restaurant, boutique, inn or B&B, a sailboat cruise, a performing arts or another county attraction.

November 27 Grand Illumination (Annapolis) Downtown Annapolis Partnership joins the Annapolis Jaycees as they ring in the holiday season in downtown Annapolis. The Grand Illumination and Annual Tree Lighting takes place near the Market House each year on the Sunday after Thanksgiving. The party starts at 4:30 p.m. with dancing, singing carols from local school groups and a special visit from Santa! Make this Annapolis holiday event a part of your family’s traditions! 4:30 p.m. – 7:00 p.m.

But wait, there’s more!

For more November events and festivals throughout Annapolis and Anne Arundel County, visit their events page and start planning your fall and winter getaways today!

Category: Events, LIFE IN THE REGION, NEWS, Publish on FB

“Building the Capacity and Resilience of Nonprofits”: City Comptroller Brad Lander Addresses SINFPA Conference


STATEN ISLAND, NY — Leaders from across the borough gathered at the Hilton Garden Inn Thursday for the 10th annual Staten Island nonprofit conference.

The event was organized by Staten Island Nonprofit (SINFPA), headed by the Executive Director Tatiana Arguello. This year’s conference focused on the theme: “2022 and Beyond: Building the Capacity and Resilience of Nonprofit Organizations”.

“When nonprofits come together, it’s amazing the work that can be done,” Arguello said. “No non-profit organization is independent. Everyone relies on each other’s service, and everyone can serve more effectively when we rely on each other.

It’s really about building the Staten Island nonprofit community, she said. “And also making sure that we get resources at the city, state, and federal level, even internationally. . . really build a strong network of nonprofits and train the next generation of leaders.

While dining and sipping coffee in the Nicotra Ballroom, the nonprofit professionals networked before brief introductions from SINFPA board members. Following comments, Brad Lander, New York City Comptrollerkeynote speaker, covered a variety of topics, from clearing the backlog of contracts to commemorating the 10th anniversary of Hurricane Sandy.

It’s been 10 years since Hurricane Sandy hit Staten Island. Pictured are residents surveying the damage at Great Kills. This image was taken November 1, 2012. (Staten Island Advance/Anthony DePrimo)Stick-Shot

Saturday will mark the 10th anniversary of the devastating storm that swept across the island. In the wake of his anger, the city had to deal with approximately $19 billion in damages while Staten Island was rocked by the loss of 24 residents. Despite the passage of time and the completion of shoreline projectsthe fear of a disaster of this magnitude still lingers for some, and Lander said we should be prepared.

Regarding contracts and funding, Lander noted that last year it took an average of over 300 days for an individual contract to be processed. That’s 300 days of nonprofits waiting for funding, he said, which should never be accepted by essential workers such as law enforcement and teachers. According to Lander, changing this business model has become a priority. Working with the Adams administration, Lander launched a document he called “a better deal for Staten Island,” he said.

In June, the platformPASSPORT Audiencewas created so individuals could track the progress of their contracts and hold managers accountable, he said. In July, about 12,000 retroactive contracts were registered to clear the backlog. Lander said that these were only a few advances among the 25 structural suggestions detailed in the contract.

The Lander controller at the SINFPA conference

New York City Comptroller Brad Lander delivers remarks at the SINFPA conference Thursday, Oct. 27, 2022. (Staten Island Advance/Luke Peteley)(Staten Island Advance/Luke Pete

“What we recommend is that the city . . . build a new set of relationships with nonprofit, community and social resilience infrastructure, he said. “We may have permanent contracts in place that say we don’t know when this storm is going to hit, but when it does, we would like you to be able to mobilize to go and see the housebound elderly, to make sure that the delivery of meals is ready, to be able to respond to the owners who are affected, not a year later but just after the storm.

We’ll find the money later, he said. “Let’s get the contract ready now so we can have this network ready for mobilization and do more before the storms to invest in building our community capacity and investing in the people in this room and building the infrastructure that makes it possible for our communities be resilient. »

After the keynote address, participants dispersed into various breakout sessions. Some stopped at sponsor tables lining the ballroom, including Wagner College, Staten Island Jewish Community Center and Empire State Bank.

“It’s a nonprofit helping nonprofits,” said Philip Guarnieri, chief executive of Empire State Bank. “Our motto, fundamentally, is to help the community and people in the community, so this is a great way for us to get involved.”

SINFPA guests seated together

– Founding director of the Muslim Sisters of Staten Island, Safiyyah Abdul Qawiyy (left) and Jamilah LaSalle (right), SINFPA board member and executive director of Bait-ul Jamaat, sit outside the Nicotra Ballroom at SINFPA’s 10th Annual Conference on Thursday, October 15. 27, 2022. (Staten Island Advance/Luke Peteley)(Staten Island Advance/Luke Pete

“2022 and Beyond: Building Nonprofit Capacity and Resilience” aimed to make a difference in the community, organizers said. It is a shared goal that has been at the epicenter of SINFPA since its inception in 2005.

The association currently has over 110 members, ranging from youth service providers to faith groups.

“What made the day special was that this year we took a new approach, we listened more to the community as a whole,” said Jamilah LaSalle, SINFPA Board Member and Executive Director of Bait-ul Jamaat. “We are putting ourselves more forward, both as staff and community organizers and board members, so that we can hear the voices of not only our members … but also other nonprofit entities that have yet to join the ranks of Staten Island. Not for profit association. These workshops were the result of the voices of the community as a whole.

Egypt and IMF reach preliminary agreement for $3 billion loan


CAIRO — The International Monetary Fund on Thursday reached a preliminary deal with the Egyptian government that paves the way for the economically struggling Arab nation to access a $3 billion loan, officials said Thursday.

IMF officials said a staff agreement between the Egyptian government and IMF leaders had been reached after months of talks, as Egypt struggles to tackle soaring inflation caused, in part, by the war in Ukraine.

In a statement on Thursday, the head of the IMF’s Egypt mission, Ivanna Vladkova Hollar, said the 46-month deal – known as the Extended Financing Facility Agreement – gives Egypt access to the loan of 3 billion dollars on the condition that it implement a series of economic reforms.

In the hours leading up to the announcement, the Egyptian central bank announced a series of economic measures, including an increase in key rates of almost 2% and the transition to a “sustainably flexible exchange rate”. The bank said the exchange rate change would now allow international markets to “determine the value of the Egyptian pound against other foreign currencies”.

Following the announcement, the Egyptian pound fell to a record low against the US dollar, falling from around 19.75 to at least 22.80, according to data provided by the National Bank of Egypt.

The Egyptian currency has already lost 20% of its value against the US dollar this year. Jason Tuvey, senior emerging markets economist for Capital Economics, expects it to shed another 18% before the end of next year.

The flexible exchange rate “will cause economic hardship in the short term” but got the deal approved by the IMF and “will go a long way towards restoring macroeconomic stability”, Tuvey said.

“The commitment to sustainable exchange rate flexibility going forward will be a fundamental policy to rebuild and safeguard Egypt’s external resilience in the long term,” Hollar said.

Egypt’s economy has been hit hard by the coronavirus pandemic and the war in Ukraine, events that have disrupted global markets and pushed up oil and food prices around the world. Egypt is the world’s largest importer of wheat, most of which came from Russia and Ukraine. The country’s supply is subject to price variations on the international market.

In a statement released Thursday morning, Egypt’s central bank said it had raised the new lending rate to 14.25% and the deposit rate to 13.25%. The discount rate was also raised to 13.75%, he said.

Egypt’s monetary reforms and IMF loan are designed to help offset rising inflation, which topped 15% in September, and ease the financial strain on low- and middle-income households. Some of the main goals of the deal are to reduce Egypt’s overall debt and bring about sweeping reforms to its fiscal policy, Hollar said.

As part of its currency reforms, the central bank said it would start scrapping a system for importers, a bureaucratic process introduced in February to control demand on the currency for imports.

Late Wednesday, Egyptian Prime Minister Mustafa Madbouly announced an 11.1% increase in the minimum monthly wage, from 2,700 pounds ($137) to 3,000 pounds ($152). Madbouly’s announcement marks the fourth minimum wage hike since President Abdel Fattah el-Sissi took office in 2014.

In its statement, the Egyptian central bank said it was “determined to intensify its reform program to ensure macroeconomic stability and achieve strong, sustainable and inclusive growth”.

About a third of Egypt’s 104 million live in poverty, according to government figures.

2023: the natives of the FCT review the charter of demands


Natives of the Federal Capital Territory (FCT) under the umbrella of the Abuja Original Inhabitants Youth Empowerment Organization (AOIYEO), supported by the MacArthur Foundation, have reviewed their charter of demands ahead of the 2023 general election.

Following the development, experts applauded the organization for putting such documents in place.

Experts who spoke at the charter review meeting in Abuja on Tuesday, said the document designed by AIOIYEO through the natives of the FCT’s 62 political wards comes at the right time.

They said the document would guide the electorate in engaging candidates who were vying for elective positions and who came to seek their votes ahead of the general election.

One expert, Samuel Isaac, noted that indigenous people deserved better representation in the National Assembly and other local government areas.

A lawyer, Musa Baba Panya, also said the charter was an avenue that would give natives the chance to put their immediate demands ahead of anyone seeking elective office.

Our reporter learned that the charter document was developed to be part of the FCT’s native demands, such as the creation of additional federal precincts, local government areas, additional senatorial districts, mayoral status for the FCT, among others.

Poly remembers former school board member and principal Alexander ‘Mike’ Babcock – Pasadena Now


Alexander Mike Babcock, former trustee of the Pasadena Unified School District Board of Trustees and principal of Pasadena Poly, died Oct. 18.

Babcock was surrounded by his four children.

“It is with great sadness that I share that Alexander “Mike” Babcock ’48, passed away peacefully this week,” said Poly’s school principal John Bracker in a prepared statement. “Mike’s legacy at Poly began in the 1960s as a high school math teacher before serving as high school principal for 15 years, then serving as principal from 1980 to 1998.”

Babcock once said of the school: “It is clear to me, as I am sure it is to many of you, that Polytechnic has a soul. It started in 1907 and over the years the school has brought people in and put them in touch with that soul, and not only do they become better people for it, but over time they turn around and give something which makes the soul bigger and stronger.

After retiring from Poly in 1998, Babcock served at Pasadena Unified School from 1991 to 2009 when he did not seek reelection.

Babcock was an active supporter of independent, public, and charter schools, and community organizations who dedicated his life to education.

“Mike’s warm, approachable manner and commitment to the community has led Poly through years of tremendous change and growth,” Bracker said.

“It’s fitting that Babcock Field, named in honor of Mike’s retirement, is where we come together as a community to celebrate traditions old and new, cheer on our teams and graduates, and reflect on where we have been and where we are going. Mike loved Poly’s generosity and spirit, and we owe him a debt of gratitude for sharing so much joy and compassion that he brought to life with us,” Bracker’s statement read.

“For many, it represented the school’s best and most enduring qualities and was a testament to all that Poly aspires to be as an educational institution. With his trusty bike ferrying him around campus, Mike led with vision, empathy and a great sense of humor.

Babcock also founded Partnership for success with former middle school principal Carmie Rodríguez and establishing the outdoor education program as an integral part of the Poly experience are two examples of her tremendous legacy.

In a statement, Babcock’s family said school was an integral part of Babcock’s life from when he was a student until his retirement in 1998.

“We hope your memories of him are as special to you as ours are to us,” the family said in a statement to the school community. “We look forward to reuniting in the near future to celebrate our father’s extraordinary life.”

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Sheryl Crow Reveals ‘Demoralizing’ Touring Experience With Michael Jackson, Singing For Sandy Hook Victims


Sheryl Crow had a relatively quiet music career – in that her talents were recognized but you could rarely hear her embroiled in a scandal. That doesn’t mean she hasn’t known or seen the ugly side of the color industry. In fact, she said now that the music industry sometimes felt demoralized, especially when she saw what happened while on tour with Michael Jackson.

The 60-year-old singer rose to fame in 1987 when she had the opportunity to tour with late global superstar Michael Jackson, who died in 2009 aged 50 after a checkered career in the entertainment industry.

She admitted that while she found the experience “inspiring”, she was exposed to things she didn’t necessarily want to see. She said that literally six months before her tour with Michael Jackson, she was a schoolteacher. After 18 months, she was definitely exhausted. She was experienced. She had been sexually harassed and witnessed things I didn’t like to see.

She added that she cannot sugarcoat the story of a young man who suffered trauma.

Watching him perform incredible, never-before-seen moves was certainly inspiring. However, she thinks knowing about the music industry was demoralizing. As part of the new documentary “Sheryl,” the “If It Makes You Happy” singer opens up about her life and explains that while she initially had reservations about documenting her life in show business when asked asked, it’s been “freeing” to share her story for the first time.

READ ALSO: Lil Baby was spotted hours before he was to perform at Breakout Fest

Sheryl Crow, Karen Fairchild of Little Big Town and Alternate Routes will perform in a performance organized by Artists for the Prevention of School Shooting and Youth Violence at City Winery in Nashville on November 30. Proceeds from the event, produced by In Plain View Entertainment, will benefit Sandy Hook Promise, a national nonprofit whose goal is to educate and empower teens and adults to avoid violence in schools. , homes and communities.

SHP also promotes school safety and mental health at the state and federal levels through nonpartisan policies and collaborations. Mark Barden, musician and executive director of the Sandy Hook Promise Action Fund, and Rick Korn, filmmaker, founded Artists for the Prevention of School Shootings and Youth Violence to raise awareness of school safety programs and other measures to keep children safe. children at school. .

City Winery’s performance will be filmed as part of a series of docu-concerts leading up to the release of “A Father’s Promise,” a feature-length documentary about Barden, whose son was murdered at Sandy Hook Elementary School on the 14th. December 2012, and how he turned his tragedy into activism and rediscovered his lost passion for music.

The film commemorates the 10th anniversary of the deaths of 26 students and teachers in the bloodiest school massacre in US history. In addition to Susan Tedeschi and Derek Trucks, Tim McGraw and Darryl “DMC” McDaniels are featured in the documentary.

READ ALSO: Lil Baby Clears Migos Feud Rumors Amid Upcoming No. 1 Debut Album

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Over 6,000 food orders were delivered to Langa – by bike


Colin Mkosi, founder of Cloudy Delivery (Photo: Luke Daniel)

  • Takeaway food and groceries are delivered to Langa residents by cyclists who would otherwise be unemployed.
  • Since its inception shortly before South Africa entered lockdown, Cloudy Deliverys has completed over 6,000 orders.
  • The delivery service fills a void left by the likes of Mr D and Uber Eats while tackling the problem of youth unemployment.
  • Cloudy Deliveries and its founder Colin Mkosi recently received recognition and funding from the SAB Foundation Social Innovation Awards.
  • The money will be used to buy better bikes, invest in technology, improve the company’s base of operations and expand into other areas.
  • For more stories, go to www.BusinessInsider.co.za.

Residents of Langa, Cape Town, enlist a team of cyclists to bring groceries, takeaways and other goods to their homes. The service has already made more than 6,000 deliveries.

Langa, like most other townships on the outskirts of Cape Town, is underserved by major on-demand food delivery companies like Mr D and Uber Eats. It is also plagued by youth unemployment. A local delivery service, launched shortly before South Africa was plunged into a pandemic-induced lockdown, is busy addressing both issues.

Founded by 25-year-old entrepreneur and Langa resident Colin Mkosi, Cloudy Delivery uses bikes to pick up and drop off grocery orders from spaza stores, takeout from restaurants and even laundry from home businesses.

“Cloudy Deliverys is a delivery service similar to Uber Eats, except we use bicycles to make our deliveries,” Mkosi told Business Insider SA. These deliveries fill a void left by Uber Eats and Mr D not serving all of Langa due to crime issues and informal addresses that make navigation tricky.

“We are able to do this because we are a local business and we employ people from the community who understand the streets and know the ins and outs of their community.”

Cloudy Delivery employs up to 15 drivers, most aged 16 to 19, who spend their days crisscrossing the streets of Langa after being dispatched from the company’s headquarters, a modest shipping container that doubles as a workshop. When not buzzing with the sound of Mkosi’s daily pep talk to the young men‘s team, the metallic clank of tools vigorously repairing well-used bikes pierces the air.

Langa Cloudy Bike deliveries

Repairing bikes used by Cloudy Deliverys (Photo: Luke Daniel)

“Maintenance is a huge issue when it comes to bikes, because some of the roads we ride have potholes, and they’re not good for bikes,” Mkosi said, adding that the 12 Currently used bikes require constant attention to keep the deliveries flowing.

Since its debut in February 2020, Cloudy Delivery has completed over 6,000 orders in Langa. A big part of the appeal of the service is the ease with which an order can be placed and paid for.

Customers can place an order by giving their address via WhatsApp message or by calling Cloudy Deliverys. A delivery courier will then be sent to the address, where he will receive a list of the goods to be collected, as well as the money necessary for the purchases. Cloudy Deliverys then buys the goods from the store or restaurant and sends them back to the customer, charging a fee of between R15 and R50.

Langa Cloudy Bike deliveries

Cloudy Deliveries (Photo: Luke Daniel)

“The people of Langa have been very welcoming, they really like the work we are doing, given the impact it has on young people and the community as a whole,” Mkosi said.

“Langa is really close to my heart and I would love to see this community grow. The challenges we face here in Langa are also common in other townships, which is [mainly] youth unemployment. There are so many young people who are unemployed and so many who are unable to generate income for themselves and support themselves. So, as Cloudy Deliverys, that’s one of the things we’re looking to address, to employ young people and enable them to support themselves. “

This recognition, for elevating the community as a service provider and employer of young people, has extended far beyond Langa. Mkosi was recently named one of South Africa’s 29 most inspiring social innovators by the Social Innovation Trophies of the SAB Foundationwith Cloudy Deliverys receiving a development award of R400,000.

Langa Cloudy Bike deliveries

Cloudy Deliveries (Photo: Luke Daniel)

“This is the first time that as a company, since we started, we have received this amount of money in the company… it is truly a great honor to be recognized in this way” , Mkosi said.

“We intend to use the money to improve the bikes we currently use. We’re looking to get more bikes and better bikes. We’re also going to invest in technology so we can automate some of the processes we’re doing. and also improve the space we currently operate from. Maybe next year, once we have our ducks lined up, we’ll try to expand to a different community and see where that takes us.

Dubai Integrated Economic Zones Authority cooperates with DP World to support Tumoohi initiative


The Dubai Integrated Economic Zones Authority (DIEZ) today announced a collaboration with DP World to support the Tumoohi initiative. This is part of its ongoing commitment to building the skills of young Emiratis and preparing the next generation of leaders in the logistics and trade sectors.

Tumoohi is a DP World recognized training program initiative designed to boost the careers of young and talented Emiratis by helping them develop essential skills and expertise to excel and have an edge in today’s highly competitive job market. today. By providing unique training programs and hands-on on-the-job experience at a number of major global multinational corporations, Tumoohi enables interns to develop a network of professional relationships with industry leaders, in addition to identifying and showcase their skills to employers looking for specialized talent.

As part of this agreement, DIEZ will offer participants an exceptional opportunity to gain professional and practical experience and to familiarize themselves with best practices and global standards. Participants will be able to work with DIEZ, as well as companies registered in the Dubai Airport Free Zone (DAFZ) and Dubai Silicon Oasis, providing job opportunities in thousands of regional companies and leading international organizations that have been active in the two free zones for the past 26 years. years.

Young talents will also have the opportunity to work and train in Dubai CommerCity, the first free zone dedicated to digital commerce. Dubai CommerCity has recently embraced the concepts of ‘digital commerce’ and ‘technology first’ to drive a scalable operational approach for ambitious, regional businesses in the digital economy and related sectors. Under its new leadership, Dubai CommerCity aims to improve returns, economic contributions and sustainable growth, to positively impact the experience of investors, businesses and talent.

Saeed Mubarak Obaid Murad, Vice President of Human Resources at DIEZ, said, “DIEZ places Emiratization and qualifying Emirati skills at the top of its strategic priorities, in line with efforts to implement national strategic plans and development initiatives. our wise direction. Through its three free zones, DIEZ welcomes more than 5,000 international companies covering 20 key economic sectors, offering participants of this program a unique opportunity to work with large international companies of all sizes. This aims to build the capacities of young talents, enabling them to acquire attractive professional and specialized skills to join the private sector workforce. Through this initiative, we aim to make DIEZ free zones and companies even more attractive to attract local and international talent, providing similar opportunities and strengthening cooperation with free zone companies to support the emiratization of their staff. »

Nabil Qayed, Director of Personnel and General Administration, Personnel Department, DP World UAE, said, “At DP World, we strongly believe that empowering and training young people is vital for the progress of any country. As an international organization based in Dubai, we are committed to growing our national talent pool and supporting the UAE economy through this strategic initiative, which will provide new Emirati graduates with the opportunity to engage with local and international businesses within the Jebel Ali Free Zone. (Jafza) and beyond, promoting the future growth of the UAE. We are pleased to renew this cooperation, which is in line with the vision of our wise leadership, as well as DP World’s continuous efforts to foster all Emirati talent and build a well-equipped generation of future leaders.

Yousuf Ahmad Al Aslai, Director of Tumoohi, DP World UAE, said: “Our youth is fundamental to the success of the UAE in the next 50 years. Therefore, this initiative aims to improve the prospects for success by building technical and logistical capabilities and providing a young workforce with an abundance of innovative ideas to promote business growth.

DP World’s Tumoohi Initiative programs will provide new Emirati graduates with the opportunity to gain valuable experience with leading local and global companies, helping them to develop essential skills to excel in the ever-changing work environment and development today. The initiative also encourages interns to engage with leading industry experts and potential employers to build close, long-term relationships.

award-winning OKC school garden; Museum of the First Americans


Metro Youth Earn Eagle Scout Rank

Four students from the metropolitan area have earned the rank of Eagle Scout, which is the highest rank in the Boy Scouts of America program.

To earn the Eagle Scout rank, a Boy Scout must complete the requirements in the areas of outdoor skills, provide service, and fulfill the portion of the Scout Oath, “to help others at all times”, and demonstrate and develop skills in leadership.

Eagle Scout rank awarded to:

Henry Taylor Ison17, from Oklahoma City, troop 168 chartered to Chapel Hill United Methodist Church.

Thomas Robert Kettles17, of Edmond, Troop 1 chartered to St. Mary’s Episcopal Church, Edmond.

Cameron Ellison Mitscher17, of Blanchard, troop 234 chartered to First United Methodist Church, Blanchard.

Grant Warren Hager17, of Blanchard, Troop 234 chartered to First United Methodist Church, Blanchard.

OKC Elementary School Garden Wins Award

The Cleveland Elementary School Garden, operated by OKC Beautiful, was recognized as “Best Community Collaboration” in the Oklahoma Department of Agriculture, Food and Forestry’s School Garden Competition. This year.

OKC Beautiful is a nonprofit beautification and environmental education organization that leads Oklahoma City’s beautification and environmental management through collaboration, education, and advocacy.

This first annual competition aims to highlight the impact of school gardens in creating teaching opportunities for nutrition, agriculture and experiential education across all disciplines.

For more information on the Statewide Garden Contest or the Oklahoma Farm to School, visit the Oklahoma Farm to School website at www.okfarmtoschool.com.

First Americans Museum Receives National Award

The Society of American Travel Writers (SATW) recently awarded the First Americans Museum (FAM) the 2022 Phoenix Award for outstanding contributions to a quality travel experience through conservation, preservation, beautification or enhancement efforts. environment.

Founded in 1969, the SATW Phoenix Awards recognize and honor destinations that showcase responsible and sustainable tourism efforts with respect to travel.

FAM’s mission is to educate the general public about the unique cultures, diversity, history and contributions of Oklahoma’s 39 tribal nations today.

To learn more about the First Americans Museum, visit famok.org.

To be considered for this column, please email achievement announcements and photos to [email protected].

I’m funding climate activism – and I applaud Van Gogh’s protest | Aileen Getty


JTwo climate activists who threw soup on the protective glass of Van Gogh’s Sunflowers painting captured the world’s attention. While some have ridiculed the activists, as a funder of climate activism I am proud of the larger conversation they have started.

When I saw the video, my first reaction was shock. Throwing soup on a beloved painting was a desperate move. What could possibly motivate a young person to do such a thing? This is where we find ourselves after decades of mostly progressive activism that has brought us to the point of a collapsing planet, engulfed in flames and drought, and burning to the ground. Activists are trying in every way to get our attention. How far is too far to attract the attention of people in immediate danger?

I am the daughter of a famous family who built their fortunes on fossil fuels – but we now know that the extraction and use of fossil fuels kills life on our planet. Our family sold this business four decades ago, and I instead swore to use my resources to do whatever it takes to protect life on Earth.

People often come up with theories about my motivation for getting involved in the climate movement. My motivation is clear: I fight for a livable planet for my family and yours. I don’t dwell on the past. I seek to build a better future.

I am proud to fund the Climate Emergency Fund, which in turn provides grants to climate activists engaged in nonviolent legal civil disobedience, including Just Stop Oil, the group the activists represented. I do not directly fund these groups, nor do I have direct control over the specific actions climate activists choose to take.

I believe the climate crisis has progressed to the point where we need to take disruptive action to try to change course on a planet that is becoming increasingly unlivable. My support for climate activism is a statement of values ​​that disruptive activism is the fastest route to transformative change and that we have no time left for anything but rapid and comprehensive climate action.

Young activists correctly guessed that aiming for a famous painting, familiar and personal to many of us, would strike a chord. They made it clear that they never intended to do any real damage to the art, knowing that it was covered in protective glass. The action was intended to disrupt the status quo, draw attention to the dire state of the planet and demand an end to all new oil and gas exploration. It caught our attention and started a conversation about what really matters.

We have to navigate the mess to get to the real conversation: we need an energy transition as soon as possible. Governments and businesses must stop the expansion of fossil fuel infrastructure and step up clean energy. We can have an economy fueled by fossil fuels, or we can have a thriving life on planet Earth. We cannot have both. The sad truth is that our planet has no protective glass coating.

Yet some have chosen to criticize young activists. This review only makes it clearer how anyone could take such a desperate step to get the world’s attention. Generations before them have destroyed a livable climate and are now telling them that the way they are trying to save it is wrong. Older generations judge and blame them and yet have stolen their future. Instead of blaming young activists for trying to wake us up to the reality of our planet’s climate crisis, we should ask ourselves how to be better partners to those who inherit our wreckage. Climate anxiety, especially among our young people, is high and growing. How will this anxiety manifest in our public and private spaces as the planet becomes increasingly unlivable?

I hope we, as a society, can wake up to accept these actions of brave climate activists for what they are – an alarm that lifts us out of the status quo and focuses us on the real emergency at hand. : we kill life. on this planet. Nonviolent civil resistance works. Many of the rights we hold dear were won by previous generations of young people who stood up and said enough. Shouldn’t we be using these same tactics to redirect our anger and energy towards the preservation of life – our own and those around us?

As the planet burns, we’re approaching a time when all we’ll be left with are images and paintings of our beloved Earth, and urban art galleries could be the final resting place for Earth’s sunflowers. .

Edmonton Addiction Treatment Center Denied by Province


Though Alberta’s Child and Youth Advocate fears more children are dying from drug use, the province has rejected a request from its health authority to build a new youth-focused treatment center earlier this year.

In a request under the Freedom of Information and Protection of Privacy Act, CTV News Edmonton learned that Alberta Health had refused a request for funding to build and operate a new youth addiction treatment centre.

According to the documents, Alberta Health Services submitted a functional and infrastructure program application for the new center in Edmonton in June 2020.

AHS proposed to build a 3,000 square meter residential addiction treatment center which would house essential detoxification, assessment, counseling and rehabilitation services for youth aged 12-18.

Construction costs were estimated at $28–31 million, with personnel and operating costs to be calculated later if the project was selected.

In a major business case for the project, AHS noted that another youth addiction treatment center in Edmonton, the Yellowhead Youth Center, was to move from its current site by March 2022 to make way for a project by the Ministry of Children’s Services.

It is unclear if the government planned to reopen the Yellowhead Youth Center at another location or what it planned to do with the freed up space.

In a March letter to then-CEO Dr. Verna Yiu, Deputy Minister of Health Paul Wynnyk said the province was considering “other ways to deliver addiction and health services. mental health to Albertans”.

“I know that our teams are jointly exploring options for improving substance abuse and youth mental health services, so I look forward to their recommendations,” Wynnyk wrote.

In its latest budget, the province has allocated $55.1 million to the Yellowhead Youth Centre. The financial plan says the money, provided over three years, is part of a plan to “re-develop” the centre’s facilities. It is not known if these renovations have started.

CTV News Edmonton has contacted the deputy minister’s office for further comment.


Terri Pelton, the child and youth advocate, said she was not made aware of AHS’ request for funding to build a new treatment center in Edmonton, so she declined to comment on the rejection of the proposal by the government.

However, she believes the province needs a strategy to address youth overdoses.

According to Alberta Health’s Substance Use Surveillance System, 22 people aged 19 or younger died of drug overdoses in 2022, including two children under the age of four.

Since January 1, 2019 and July of this year, 384 Albertans under the age of 25 have died from opioid-related causes, according to Alberta Health data provided to CTV News Edmonton by the Office of the Child and Youth Advocate.

As of July 31 this year, 80 people under the age of 25 have died from opioid-related causes.

Pelton called youth drug poisoning a major concern, and she hopes the province will take “more action on this.”

“I can’t even express how concerned I am about this issue,” she said. “I am extremely worried.”

The last three reviews of child deaths by his office have all referenced substance use as a major concern.

In March, the provincial surveillance report investigating youth who died while in the care of children’s intervention services recommended that the government develop a strategy focused on opioid and substance abuse among young people.

In 2018, child and youth advocate Del Graff completed a survey of opioid use among youth in Alberta and came to a similar conclusion.

“The number of opioid poisonings among young people under the age of 24 is alarming”, the special report read. “It is imperative that we recognize the unique needs of young people. This issue requires immediate action.”

Pelton called for action to prevent fatal overdoses needed because it could help young people move away from drug addiction.

“Where we see the most deaths is between the ages of 15 and 24,” Pelton said. “So if you think about the brain development of a young person in that age range, the impact of drugs on their brain is different than an adult’s.

“There is an opportunity here to save lives and help young people succeed,” she added.


An ideal strategy, according to Pelton, would include the full spectrum of care: age-appropriate education for children in schools about drug use, more treatment options, increased access to harm reduction strategies and follow-up care after treatment.

“Today’s youth are tomorrow’s adults,” Pelton said. “So if we don’t do something sooner, we’re just going to continue to see both the number of adults increase and the number of young people increase.”

Pelton would also like all provincially funded treatment to offer services to young people as soon as they contact them, without conditions that make treatment conditional on sobriety or stable housing.

“(If there are conditions) before they can be admitted into a program, they are lost,” Pelton said. “It’s really about meeting them when and where they are ready to help.”

According to the lawyer, Alberta has yet to acknowledge her office’s recommendation in the mandatory review released last month.

This report was released just days before the province released a $187 million plan to address addictions and adult mental health issues.

“The government has been silent on our recommendations,” she added. “Historically, we have an answer within a day or two: either they accept them, or they accept them in principle, or they don’t.”

Eric Engler, chief of staff to the Associate Minister of Mental Health and Addictions, said in a statement that children and youth struggling with addictions and mental health are one of the province’s “top priorities.”

He listed Alberta’s virtual opioid addiction program, addiction and mental health services available through AHS, Kids Help Phone and the youth recovery program at Hull Services and CASA House as programs supported by the province.

“This is just a small example of government-supported programs,” Engler said. “We suggest anyone looking for mental health and addictions treatment services contact 211.”

With files from Kyra Markov and Amanda Anderson of CTV News Edmonton

Kenya: the government partners with the Bank to train young people in maritime trades


Mombasa — At least 600 young people are set to benefit from a three-year partnership between KCB Bank, the KCB Foundation and the Kenya Maritime Authority (KMA) aimed at training them and empowering them with life skills. will enable them to obtain jobs abroad as seafarers.

A total of 155 million shillings has been set aside to be paid out to young people in the form of scholarships to enable them to take advantage of training opportunities for a period of three years from 2023 depending on their qualifications.

Speaking at the event, Nancy Karigithu, Principal Secretary of the State Department for Shipping and Shipping (PS), revealed that the arrangement will see the youths receive training in shipping and shipping safety. as well as benefiting from unsecured loan products from KCB bank to obtain visa documents, boarding fees and other travel logistics.

Karigithu recognized the need for more public-private partnerships to enable young people to take advantage of the maritime opportunities available.

“We will play our part in licensing qualified young people after their training and then overseeing their transition into the maritime industry and their general well-being. Given our young population, we aim to position the country as a hub turning point for maritime vessels around the world,” she said. .

The SP noted that the youths will be trained in technical vocational training institutions licensed and approved by the Kenya Maritime Authority (KMA).

“Minority groups, people living with disabilities (PLWD) and women are a key consideration for opportunities,” she added.

The PS also called on young people to be patient because all training is a skill and a journey. She further warned them to stop lamenting on social media about their unemployment issues.

“There is an unemployment crisis in the country because we have a huge swell of young people who cannot find jobs, but the government is doing its best to help you achieve your goals. We see this crisis not as a challenge but as an opportunity for us to innovate and venture into other areas of production, such as harnessing the maritime sector to increase our gross domestic product (GDP), she said.

According to KCB’s Retail Director, Annastacia Kimtai, the efforts are in line with KCB’s commitment to tackling youth unemployment through a sustainable approach focused on providing opportunities for young people to thrive.

“Our end goal is to unlock access to seafarer jobs in international maritime fleets for our young people and provide a bridge to finance through joint efforts with KMA and KCB foundation. As a local bank with comprehensive solutions, our intention is to continuously provide solutions that aim to improve the livelihoods of our youth,” Kimtai added.

Mombasa Deputy Governor Francis Thoya affirmed the county’s commitment to supporting the project and cooperating to empower young people on the coast and across the country.

“We are still grappling with the challenge of the low transition from secondary schools to university in the region, hence the need to equip our young people with the skills to connect to the labor market,” said Thoya .

On tour with the girls of St Mary’s Macroom


Last week, St. Mary’s Transition Year students traveled to Kilfinane Outdoor Education Center in County Limerick for two full days of activity and escape.

They were accompanied by Mrs. Collins, assistant director and Mrs. Collins, professor of home economics. The students spent two great days filled with fun and laughter.

Upon arrival, the age group was divided into four teams and each cohort took part in various activities which were rotated.

All were well received by the students and we know everyone would love to return in the future.

The activities were led and supervised by the instructors who were so kind and welcoming.

The instructors were Matt, Chris, Liam, John, Éadaoin and Maureen. It was agreed by all that these leaders were superb and made the TY girls experience even better.

The students stayed at the activity center for the night. It was a great opportunity to bond with their old classmates and make new friends.

There is no doubt that these trips allow people to relax and focus on their well-being rather than their studies and school worries.

A great way to relax and focus on the present rather than the past or the future.

Trips like these wouldn’t happen without our TY Coordinator and Assistant Manager Ms Collins, so a word of thanks to her.

TYs are excited to have access to these facilities again and look forward to more throughout the school year.

VIP visit to the Burnley Youth Theater as the countdown begins for a milestone anniversary in 2023


The Minister, accompanied by Burnley MP Antony Higginbotham, toured the facility and Artistic Director and Chief Executive Karen Metcalfe, Operations and Education Director Laura Simpson and Engagement Manager Rachael Bamber were on hand to discuss the arts organization’s impact on the lives of neighborhood children and youth since it opened in 1973.

The venue, which houses a 158-seat theater and has three studios, received funding during the pandemic, enabling it to run a varied digital program for children, youth and families and maintain relationships with schools and community groups through free projects, including their much-loved Christmas production Jack and the Beanstalk, which zoomed into 15 elementary schools and 60 homes over the holiday season.

Burnley Youth Theater welcomed the Rt Hon Stuart Andrew, Parliamentary Under-Secretary of State to the Department for Digital, Culture, Media and Sport, for a red carpet visit.

The team highlighted recent projects carried out as part of its education and awareness work, including school bonding days, building community cohesion and targeted workshops such as ‘Burnley Gets Hangry’ focused on youth activism and food poverty.

Also highlighted were weekly inclusive theater workshops, which include specialized ‘After the Rain’ sessions for LGBTQ+ youth, ‘Theatre for Change’ which encourages participants to use the arts to promote positive, political and social change. and “Connect” for children, young people and adults with disabilities or learning difficulties.

During the tour, guests were able to see some of the work of the Burnley Youth Theater first hand as pupils from Heasandford Primary School enjoyed a creative education session, local community choir ’50 Somethings ‘ was rehearsing in one of the studios and Burnley Youth Theatre’s Heritage Curator Fiona Hornby worked on the charity’s impressive archive as they prepared for their 50th anniversary celebrations from January 2023 .

Mr Andrew said: “It was brilliant to visit the Burnley Youth Theater and see firsthand the difference the organization has made to children and young people in the area.

“Thanks to £120,000 in funding through the Government’s Culture Recovery Fund, the theater has been able to continue its vital work during the pandemic and is now looking forward to an exciting 50th anniversary year in 2023.”

German Embassy continues to support peacebuilding in Mindanao


The German Embassy in the Philippines, together with its implementing partner organizations, continues to support the consolidation of lasting peace in Mindanao. This is done through several projects that use an inclusive approach in various sectors.

“We are convinced that a successful and inclusive peace process will increase prosperity and social cohesion not only in the Philippines, but also in this highly interconnected region, German Ambassador to the Philippines Anke Reiffenstuel said.

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The YOUCAP project of the German Embassy aims to empower young people and prevent them from becoming involved in armed conflicts.

Advocating for peace and stability in the world is a key priority for Germany. The Ambassador continued, “We aim to expand our partnerships with the Philippines, knowing that the Indo-Pacific region is of growing importance in the political and economic sphere.”

Together with the Philippine government and non-governmental organizations (NGOs), Germany currently provides more than two billion pesos in direct aid. Germany’s projects include building institutions in the Bangsamoro Autonomous Region in Muslim Mindanao (BARMM), reintegrating ex-combatants into society and empowering key stakeholders such as women, youth and indigenous peoples.

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In Mindanao, one of the main sectors supported by DeveloPPP projects is agriculture, particularly coffee growing.

In Mindanao, one of the main sectors supported by DeveloPPP projects is agriculture, particularly coffee growing.

Germany’s strong commitment to lasting peace and growth in the region is reflected in well-planned and well-funded projects on the ground.

“We work in partnership with around 70 different organizations implementing German-funded projects in Mindanao. In our view, the peace process can only be successful if all stakeholders are actively involved in it from the start,” he said. added Ambassador Reiffenstuel.

Germany also provides financial support for projects in key sectors such as land rights, disaster risk reduction, health, human rights, climate change and livelihoods, particularly in farming.

Protecting young people from violence

One such project is the Youth for a Culture of Peace and Nonviolence in Mindanao (YOUCAP) of the Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ). In partnership with the Office of the Presidential Advisor for Peace, Reconciliation and Unity (OPAPRU), the project aims to empower young people and prevent them from becoming involved in armed conflict.

The We-RESOLVE project of the German Federal Foreign Office aims to increase the participation of Bangsamoro women in their own communities while providing them with livelihoods.

The We-RESOLVE project of the German Federal Foreign Office aims to increase the participation of Bangsamoro women in their own communities while providing them with livelihoods.

YOUCAP is actively working with Sangguniang Kabataan (SK) leaders in four local governments in Regions 10 and 13 to develop local conflict-, gender- and culture-sensitive Youth Development Plans (LYDPs). These plans were drafted during trainings involving 120 SK officials and youth representatives and affect approximately 100,000 young Filipinos, including 21,500 classified as vulnerable.

GIZ Country Director Immanuel Gebhardt hopes that such projects will continue to give hope and resilience to young people and keep them out of armed conflict. “The plan is to give them stability and therefore when they have a stable life, they have hope for life. Having a reliable income for their family helps ease feelings of frustration,” said he declared.

Most people who become involved in armed conflict do so out of frustration and a lack of support and perspective. YOUCAP aims to show young people in Mindanao that life away from conflict is a better and more stable option. “I think the world needs stability – it’s the only way people can enjoy prosperity.”

Gebhardt also stressed the importance of caring about what happens in conflict zones. “Right now, in most parts of Mindanao, we don’t need to be afraid of bombs – terrorists are not currently attacking us. Nevertheless, this destabilization leads to a loss of prosperity. So instead of the economic growth, there is an economic slowdown,” he said. said, adding that civilians suffer the most in any war.

Sustainable Livelihoods

GIZ is also implementing a project line called DeveloPPP with the help of the German Federal Ministry for Economic Cooperation and Development (BMZ). DeveloPPP is implemented in several parts of the world, promoting partnerships with the private sector that can provide entrepreneurial opportunities to beneficiary communities.

In Mindanao, one of the main sectors supported by DeveloPPP projects is agriculture, particularly coffee growing. While the Philippines has a long history of coffee cultivation, production is declining despite growing demand. Coffee farming takes place in rural areas where poverty rates are high, which hampers the improvement and modernization of farming methods and techniques.

GIZ has partnered with Nestlé Philippines to address the issue, especially in Mindanao. Nestlé brings its strong agricultural services team and technical expertise while GIZ helps with training and capacity building for farmer groups. “We help farmers produce a better harvest through education, which – of course – is also in the interest of companies like Nestlé,” Gebhardt explained. “A better harvest leads to a secure and continuous supply of coffee for businesses and more income for coffee farmers in Mindanao, helping them lift themselves out of poverty.”

So far, 1,565 coffee farmers from Bukidnon and Sultan Kudarat have been trained. While they only produced 235 kilograms of coffee per hectare in 2018, they have seen their harvest increase by 133.62% by 2020 to 549 kilograms per hectare.

Provide a platform for women

The empowerment of women is also at the forefront of Germany’s priorities in Mindanao. The German Federal Foreign Office is working with Relief International (RI) on a new project titled Women Engaged in Responsive Solutions to Conflicts and Violence in Mindanao (We-RESOLVE).

The project, which began on September 15, aims to increase the participation of Bangsamoro women in their own communities while providing them with livelihoods.

“This will engage women leaders in conflict resolution, enabling them to be at the forefront of establishing communities of peace in selected areas in Maguindanao and Lanao del Sur,” said Norma ‘Bing’ Constantino , head of the RI program.

The project runs workshops to equip local government units (LGUs), women-led civil society organizations (CSOs), community members and other stakeholders with the skills to develop better gender plans and development. They also implement activities that promote peace which, in turn, support the creation of communities of peace.

We-RESOLVE will also improve the economic conditions of women in conflict-prone areas through livelihood support for 40 CSOs, creating connections between peace and socio-economic empowerment of women through resilient businesses. The project is now implemented in eight municipalities, involving 40 BARMM barangays.

Lasting progress and peace

“During my travels in Mindanao, I have always been impressed by the well-structured approach and concept of the projects that our partner organizations implement,” said Ambassador Reiffenstuel, noting that the sustainability of the projects funded by the Germany is something they are proud of. After all, the goal is to achieve lasting peace in the region and while the short-term benefits are good, it is of utmost importance to ensure the long-term well-being of BARMM residents.

“Overall, sustainability can be achieved through close coordination with the Philippine authorities, between German implementing partners as well as international donors,” explained the Ambassador. In coordination meetings, Germany and its partner organizations identify synergies between national development goals and projects, building on these to ensure their lasting effects. She added that stakeholders are involved from the start, especially women in their peacebuilding role.

There is a lot to do, but as a committed partner of the Philippines, the ambassador assures that Germany will be there to support peacebuilding efforts every step of the way.

Manhattan Bridge Capital (NASDAQ:LOAN) investors have returned 6.3% over the past three years


Many investors define a successful investment as beating the market average over the long term. But the risk of stock picking is that you are likely to buy underperforming companies. We regret to report that in the long run Manhattan Bridge Capital, Inc. (NASDAQ:LOAN) shareholders have had this experience, with the stock price falling 17% in three years, against a market return of about 26%. Unfortunately, the stock market dynamic is still quite negative, with prices down 9.4% in thirty days. We note, however, that the broader market fell 9.2% during this period, which may have weighed on the stock price.

Given that shareholders are down longer term, let’s take a look at the underlying fundamentals over this period and see if they have been consistent with returns.

In his test The Graham-and-Doddsville super-investors Warren Buffett has described how stock prices don’t always rationally reflect a company’s value. An imperfect but simple way to examine the evolution of a company’s perception by the market is to compare the evolution of earnings per share (EPS) with the evolution of the share price.

During the three years of declining stock prices, Manhattan Bridge Capital’s earnings per share (EPS) fell 2.2% each year. This reduction in EPS is slower than the 6% annual reduction in share price. It is therefore likely that the drop in EPS disappointed the market, leaving investors hesitant to buy.

The image below shows how EPS has tracked over time (if you click on the image you can see more details).

NasdaqCM: READY Earnings Per Share Growth October 17, 2022

It’s probably worth noting that the CEO is paid less than the median at companies of a similar size. But while it’s still worth checking out CEO compensation, the really important question is whether the company can increase its profits in the future. Dive deeper into earnings with this interactive chart from Manhattan Bridge Capital profit, turnover and cash flow.

What about dividends?

When looking at investment returns, it is important to consider the difference between total shareholder return (TSR) and share price performance. While the share price return only reflects the change in the share price, the TSR includes the value of dividends (assuming they have been reinvested) and the benefit of any capital raising or spin-offs. off updated. So for companies that pay a generous dividend, the TSR is often much higher than the stock price return. It turns out that Manhattan Bridge Capital’s TSR for the past 3 years was 6.3%, which exceeds the stock price return mentioned earlier. This is largely the result of its dividend payments!

A different perspective

While it was certainly disappointing to see that Manhattan Bridge Capital shares lost 7.1% throughout the year, it wasn’t nearly as bad as the market’s 25% loss. Of course, the long-term returns are much more important, and the good news is that over five years, the stock has returned 6% for each year. The company may only face short-term problems, but shareholders should keep a close eye on the fundamentals. While it’s worth considering the various impacts that market conditions can have on the stock price, there are other, even more important factors. Take risks, for example – Manhattan Bridge Capital has 3 warning signs (and 1 which is significant) we think you should know.

For those who like to find winning investments this free list of growing companies with recent insider buying, might be just the ticket.

Please note that the market returns quoted in this article reflect the average market-weighted returns of stocks currently trading on US exchanges.

This Simply Wall St article is general in nature. We provide commentary based on historical data and analyst forecasts only using unbiased methodology and our articles are not intended to be financial advice. It is not a recommendation to buy or sell stocks and does not take into account your objectives or financial situation. Our goal is to bring you targeted long-term analysis based on fundamental data. Note that our analysis may not take into account the latest announcements from price-sensitive companies or qualitative materials. Simply Wall St has no position in the stocks mentioned.

The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Troy University Arboretum awarded $25,000 grant for ongoing upgrades


The University of Troy Arboretum received a $25,000 grant from the Hyundai Motor Manufacturing Alabama (HMMA) Charitable Donation Program for continued improvements to the grounds of the arboretum.

Dr. Alvin Diamond, professor of biology and director of the arboretum, said the funds will be used to replace the bridge to the island of Mullis Pond, remove fallen trees, purchase and install a floating jetty for school use , planting native wetland plants around the pond and installing garbage cans.

“We greatly appreciate all the help we have received from Hyundai,” he said. “This will really help to improve the arboretum and make it more accessible, not only for classes and students, but also for the general public and citizens of Troy.”

HMMA’s charitable giving program focuses its efforts on improving education, supporting cultural arts, celebrating diversity, protecting the environment, and promoting health, fitness, and Hobbies.

On Friday, October 14, HMMA officials visited the Troy campus to view the arboretum and present the $25,000 grant.

“Investments in education can follow traditional or innovative paths to enrich a student’s learning experience,” said Robert Burns, vice president and chief administrative officer of HMMA. “HMMA has chosen to support the University of Troy’s plans to improve the arboretum as it will benefit students and citizens of the surrounding community. We are happy to assist in ways that further develop the outdoor learning and recreation experiences that will ultimately strengthen each visitor’s connection to the Pocosin Nature Reserve environment.

The arboretum spans 75 acres and includes seven and a half miles of nature trails, over 500 identified plant species, a pond, an outdoor classroom and an indoor classroom. Earlier this year, custody of the arboretum was transferred under the wing of Diamond and TROY’s College of Arts and Sciences. Since then, and with the help of a team of volunteers from across the University and the community, a tremendous amount of work has been done to restore the grounds to their former glory.

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“The arboretum is a gem, and we are working hard to amplify not only the educational opportunities we can provide for our students and the public, but also the natural beauty of this area,” said Dr. Steven Taylor, Dean of the College. of Arts. and Science. “It’s a huge contribution from Hyundai, and it’s very rewarding to have someone in the community supporting our activities and helping to provide better opportunities for our students.”

Classes are currently taking place in the newly renovated outdoor classroom, and an area has been cleared for a pollinator garden for bees, butterflies and other important pollinators. Future upgrades will include the installation of information kiosks and two half-mile self-guided nature trails.

LANFORD: YAF rhetoric damages political integrity – The Cavalier Daily


Young Americans for Freedom at U.Va. made quite a name for himself. From last fall’s controversy 9/11 sign featuring a plane flying into the twin towers at their Mike Pence hosting last spring, as well as this semester’s event with Kellyanne Conway, YAF to U.Va. constantly caused drama and raised tension on Grounds. As one of the strongest right-wing voices in the University, YAF at U.Va. is a stark testimony to the decadence of conservatism. Gone are the days when conservatives strove to generate a deeper understanding of politics. Instead, YAF at U.Va. only seeks to divide students of different political perspectives. His speaking choices show his true colors – a hollow commitment to free speech driven solely by a desire to provoke controversy. The only way to effectively create an environment conducive to free speech is for students to organize together and effectively ignore YAF during U.Va antics.

The Young America’s Foundation, as a national organization, has found its beginnings with the famous conservative intellectual William Buckley Jr. and the Sharon’s Statement. As YAF’s founding document, the statement still guides the organization to this day. The statement is considered “a succinct summary of the central ideas of modern American conservatism” by the conservative think tank, the Heritage Foundation. Its central premises focus on a negative conception of freedom and a deference to religion, tradition and the free market.

I’m not saying that things like religion or tradition are inherently bad. Instead, I argue that Young America’s Foundation conservatism is marked by a regressive quality that is antithetical to any conception of progress. In “The Constitution of Liberty”, Friedrich Hayek states that conservatism, “by its very nature, cannot offer an alternative to the direction in which we are heading”. Despite being a thinker admired by many conservatives, Hayek chose to position himself as a classic liberal. Hayek recognized that the attempt to preserve traditions at the expense of progress was an unsustainable political strategy, and as such he advocated that people who want to preserve freedom and values ​​cannot simply hold back history. , but should move it forward in a way that works. In this sense, Hayek recognizes that there is value to be had in tradition, but it cannot come at the expense of politics or the ability of the free market to grow and change.

At the forefront of conservative student activism is YAF’s attempt to slow the progress that student movements have brought to many universities. Yet he does so by causing disruption and appealing to ideals — like free speech — that he doesn’t truly represent. Just look at the advocacy of national organizations censor a book in libraries featuring LGBTQ+ youth, as well as denying the well-documented high number of suicides of young homosexuals. Going back even further into the history of YAF reveals infamous chapters such as the Michigan State Chapter – from which YAF National immediately distanced itself – which was labeled a hate group by the SPLC. YAF’s appeal to tradition is one that is masked by the veil of freedom and freedom from state oppression, as stated in Sharon’s statement. However, this version of the tradition demands the oppression of gay people for their mere existence, which can only be implemented through state enforcement and suppression of civil liberties, resulting in a more equitable society. .

As CIO on the pitch, YAF at U.Va. chose to stir the pot, rather than attempt to be legitimately constructive. For example — the Berlin Wall Memorial and the aforementioned ruthless sign of 9/11, the “In Defense of Mr. Jefferson” event that sought to ignore Jefferson’s troubling relationship with Sally Hemmings by saying “nobody’s perfect” and the invite from mike pence at Grounds when the former vice president grossly misinterpreted the basics of critical race theory are all examples of unconstructive events that seek to rewrite history and advance a fictional culture war. I’m sure there will be nothing productive in inviting more of the people who allowed former President Donald Trump to spit in the face of democracy.

YAF events at U.Va. have done nothing to engage with ideas critically, nor do I believe that they contribute to making the University and its students “great and good”. Instead, they have only made the dialogue less effective, making it impossible for center or left students to interact with conservative students in a way conducive to a deeper conclusion on the world’s pressing issues. . A simple look at the Young America’s Foundation instagram will show a slew of memes featuring transphobic and homophobic conspiracies from unreliable news sources like the Daily Wire. At its core, there is an inability to converse in good faith with someone if they cannot accept that marginalized groups have a basic right to respect.

As a student body, we must do our best to organize and show that we will not engage with YAF misbehavior at U.Va. exhibited. The Solidarity forever event held last semester in response to Pence’s lecture is the best example of what should be done instead of engaging with YAF at U.Va. Dialogue is essential if we are to achieve a better understanding of the diverse perspectives and issues we face as students and citizens, while engaging with YAF at U.Va. in said dialog will not achieve the desired result. YAF is a prime example of a hypocritical paradox that has no interest in defending its claims to the virtues of freedom – if it did, it might have an interest in sparking a discussion of ideals instead of being a mere troll on Grounds.

Ryan Lanford is an opinion columnist who writes about politics for The Cavalier Daily. They can be contacted at [email protected]

The opinions expressed in this column are not necessarily those of The Cavalier Daily. The columns represent the opinions of the authors only.

Ghanaian authorities deport 16 Nigerians for involvement in cybercrime

  • 16 young Nigerian men recently arrested in Ghana have been deported and handed over to Nigerian authorities
  • Economic and Financial Crime of Ghana raided their residences and accused them of cybercrime before their deportation
  • The returnees were received by Nigerian immigration officers at the Seme border led by a senior officer

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Seme Frontier – Sixteen young Nigerians have been deported by the Ghanaian government for participating in cybercrime, Vanguard newspaper reports.

According to the report, the 16 young men were arrested in Ghana when officers attached to Ghana’s Economic and Financial Crime raided their residences.

The Bawa-led EFCC in Nigeria has recently made the country too hot for “yahoo” boys. Photo credit: @NGRSenate
Source: Facebook

The returnees who were received by immigration officers led by Seme Border Command Comptroller Chukwuemeka Dika said they were arrested by Ghanaian authorities who raided their residence and deported them.

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One of the deportees, a 19-year-old boy from Anambra State, said:

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“It was my friend who put me in touch with another friend of his who brought me to Ghana. He promised to help find a job for me as a mechanic and when I earn money; I will return to my country.

Speaking on the development, Dike said the 16 deportees were accused by Ghana’s Economic and Financial Crime of being involved in cybercrime.

His words:

“We found that some of them were lured into such criminal activity, but others left with the ‘get-rich-quick’ mentality that young people are now developing.

“Some of them are victims, in the sense that they’ve been cheated in the process. Unfortunately, when they get there, they’re exposed to something different, and they’re not getting the real deal that’s for them. was offered on leaving the country chores.

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“The investigation also revealed that they left the country through illegal routes, by sea, and traveled to some West African countries, most of them having traveled without proper documentation. travel.

“So when they arrived in Ghana they fell prey to the authorities, it was easy for the authorities to deport them.

“The deportees were handed over to the Nigerian Immigration Service based on the agency’s partnership and synergy with other embassies and high commissions throughout the West African community.”

He, however, encouraged Nigerians traveling out of the country to obtain genuine travel documents as well as have legitimate sources of income.

EFCC nabs ‘yahoo yahoo’ corps member, two more, recovers N8.7m

Meanwhile, a National Youth Service Corps (NYSC) member, Adetuberu Adetoyese, who serves in Ogbomosho, Oyo State, has been arrested by the Economic and Financial Crimes Commission (EFCC) for alleged cybercrime.

A statement from EFCC spokesman Wilson Uwajuaren on Thursday, August 4, said the arrest of the suspect followed credible intelligence about the activities of internet fraudsters in and around the Ilorin metropolis.

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Items recovered from the suspect included a Lexus car worth N4 million, a laptop, an iPhone 11 Promax and a Samsung S9 Plus.

EFCC releases names and details of 5 ‘yahoo boys’ jailed by court

In a related development, the EFCC secured the conviction and conviction of five internet fraudsters.

The fraudsters appeared before Federal High Court Judge NI Afolabi sitting in Lafia, Nasarawa State on Tuesday, July 26.

The commission noted that they were found guilty of one count, each bordering on internet fraud.

Source: Legit.ng

Youth exchange program: 102 young people from Bangladesh will arrive in Mysuru tomorrow


Mysore/Mysore: A delegation consisting of 102 young people from Bangladesh, who are in India under a “youth exchange program” of the Ministry of Youth and Sports, Government of India, from October 12 to October 19, will arrive in Bangalore today.

The team will interact with the Governor Thaawarchand Gehlot at Raj Bhavan at 3:30 p.m. Dr. Shalini Rajneesh, Additional Chief Secretary, Department of Youth Empowerment and Sports and other senior officers will attend. At 6:00 p.m., the delegation will visit the National Institute of Fashion Technology.

The youth delegation will be in Mysuru tomorrow (October 16) and visit Mysore Palace, Chamundi Hill and Brindavan Gardens at KRS.

On October 17, the team will interact with the VC, Registrar and students of Mysore University in the presence of the Minister of Youth Empowerment and Sports, KC Narayanagowda. Later, the youth delegation will visit Mysore Medical College and discuss the new innovations with doctors and medical students, after which they will visit the Infosys campus and participate in the JSS University program.

On October 18, the team will leave Mysuru and visit the Indian Institute of Management in Bengaluru before departing for Delhi in the evening.

The Youth Exchange program is organized under the aegis of Nehru Yuva Kendra Sangathan. For more details, contact Sangathan State Director and Bangla Youth Delegation Nodal Officer MN Nataraj on Mob: 94803-92655.

Volunteers track monarch butterflies in the park


Every fall, the Great Smoky Mountains National Park hosts what could be described as a moving miracle. In the open, sunny valleys around Cataloochee and Cades Cove, iconic monarch butterflies descend for nectar and take refuge in fields of wildflowers and native grasses.

After their pit stop, the butterflies resume their long journey south to the warmer climes of Florida and Mexico, where eastern monarch populations overwinter. Although adult monarchs weigh less than an ounce and live only a few weeks, they are capable of traveling up to one hundred miles in a single day.

These remarkable butterflies may go unnoticed as they travel along highways and through acres of farmland, but during their time in the Smokies they are greeted by an attentive public. They may even walk away with a keepsake – a tiny mylar tag with a tracking number.

Erin Canter (left) and Wanda DeWaard lead a training session as part of GSMIT's Butterfly Education and Monarch Tagging Program.  Nearly 100 different species of butterflies and over 1,500 species of moths are found in Great Smoky Mountains National Park.

“A lot of people have worked on this project since it started in the 1990s, says Erin Canter, science literacy and research manager at the Great Smoky Mountains Institute at Tremont (GSMIT), a nonprofit specializing in in outdoor experiential education. “We usually start in mid-September and finish in late October. We’re really trying to catch that curve and figure out when they start coming in and when they’re gone.

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The monarch tagging is part of a long international campaign to help scientists track the intrepid butterflies. Throughout late summer and early fall, small troops of volunteers participating in GSMIT’s Butterfly Education and Monarch Tagging Program congregate at Cades Cove and head to one winding gravel lanes that cut through the secluded valley. Getting out of their vehicles, groups gear up with ready-to-use binoculars, spreadsheets, labels and field guides. Lightweight mesh butterfly nets hang in the breeze like inverted jellyfish.

“Monarchs are the only ones we label, but we also identify and count all the species we find there. The diversity, colors and behaviors are truly amazing,” says Canter. “The goal is not just to tag as many monarchs as possible; rather, it’s about getting people to participate in science and connect with a place – to learn more about these species so that we can understand and protect them.

The adhesive tags used to track monarch butterflies are about the size of an eraser tip and are made of mylar, which makes them extremely lightweight.  While GSMIT's tagging program in Great Smoky Mountains National Park requires permission for a special research permit, anyone can acquire a tagging kit and get involved outside of the national park by visiting MonarchWatch .org.

Nearly 2,000 different species of butterflies, moths, and skippers have been documented in the national park according to the All Taxa Biodiversity Inventory – an effort to catalog and identify all Smokies species managed by Discover Life in America (DLiA). So many different species can be found in Great Smoky Mountains National Park thanks to its wide range of protected habitats – from wetlands to forests – and high and low elevations, which helps extend the blooming season for some. key food sources. Places are limited in GSMIT’s butterfly education program at Cades Cove, which is only conducted under special research permit, but DLiA encourages all park visitors to help science in the Smokies by uploading photos of any butterfly or moth they see in the park using the iNaturalist app.

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Although eastern monarchs are not federally listed as threatened or endangered, the Xerces Society and other conservation groups report concerning declines in some wintering populations. Researchers estimate that monarch populations in Mexico have declined by 70% and 95% in California. Since monarchs only lay eggs on native milkweed, they are especially vulnerable to habitat loss from development and untimely shearing. Changing weather patterns resulting from climate change may also interfere with their multigenerational migration.

Although adult monarch butterflies only lay eggs on milkweed - the only food source for monarch caterpillars - adult monarchs can feed on a wide range of flowering plants, including thistle.

“Monarchs are not endangered, but what is threatened is their culture of migration from Mexico to Canada,” Canter says. “Monarchs need about three weeks of very cold temperatures to reverse their migration and start heading north again. So if we don’t have those really cold temperatures, we don’t know if they’re going to keep coming back north.

Yet conservationists and indigenous communities in Mexico have made significant progress over the past decade in their efforts to protect key habitats, particularly in the state of Michoacán. And several tags carefully affixed to the wings of butterflies by volunteers in the Smokies have been recovered from the mountains of central Mexico, and for centuries people on both sides of the border have enjoyed the seasonal spectacle of monarch butterflies in flight.

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GSMIT Science Literacy and Research Manager Erin Canter teaches a group of Girls Inc. volunteers the intricate art of tagging monarch butterflies.

“There are all these little stories about how we relate to them or notice them – people in Appalachia would call monarchs ‘King Billy,'” Canter explains, a reference to William III of England, also known as name of William of Orange. “The Day of the Dead also coincides with the return of the monarchs, so for the Mazahua people and other indigenous groups in Mexico, it represents the return of the souls of their ancestors. I think monarchs symbolize a lot.

“They themselves have intrinsic value, but I think if we lose them, we will also actually lose something of ourselves.”

Canter will discuss GSMIT’s butterfly education program during the Science at Sugarlands virtual lecture series on Friday, October 21 at 1 p.m. The event is hosted by DLiA and registration for the free online event is open at dlia.org/sas.

Aaron Searcy

Aaron Searcy is a publishing associate with the 29,000-member Great Smoky Mountains Association, a nonprofit educational partner of Great Smoky Mountains National Park. Learn more at smokiesinformation.org and contact the author at [email protected]

Open letter to President Joe Biden – MSR News Online


We write to you today as a coalition of black and brown women and mothers who have seen and experienced first hand the devastating effects of the war on drugs on our communities and the collateral consequences suffered by people with weak drug convictions .

For many years, incarcerated people, family members, activists and organizers have called on those in power to use some of their authority to end the war on drugs.

“It is in the light of these cries that we applaud and welcome your announcement [last week] that you pardon people who have federal convictions for simple possession of marijuana. We also appreciate your drawing attention to the collateral consequences that often accompany drug convictions and draconian laws that continue to unnecessarily classify cannabis as a Schedule 1 drug.
-Nekima Levy Armstrong, civil rights lawyer and executive director of the Wayfinder Foundation

“Even though I became the ‘poster’ for federal drug convictions gone wrong in the 1990s and won executive clemency from President Clinton in December 2000, there is still many other incarcerated women of color, like my friend Michelle West, who are waiting for the opportunity to live a life that would eclipse who they were, if given the chance. Mercy is her only hope.
-Kemba Smith, former prisoner of the drug war and author of “Poster Child: The Kemba Smith Story”

“Your rulings represent a needed – and long overdue – change that will affect thousands of people who have been convicted under federal drug laws (and rules governing the District of Columbia). “However, as the one of the architects of the 1996 crime bill, you probably know that there are millions more people who are trapped under the crushing weight of other federal and state laws that use drugs as an excuse to criminalize poverty and mental health. ”
-Chauntyll Allen, Director of Criminal Justice Policy and Activism, Wayfinder Foundation

We demand sweeping changes, not just to federal marijuana convictions, but to the suite of laws that make up the war on drugs that have led to mass incarceration in the United States.

In addition, the federal government should pay reparations to individuals and families affected by the war on drugs. According to the ACLU, black women are more than three times more likely than white women to be incarcerated, and Latinas are 69% more likely to be incarcerated than white women. A disproportionate number of these women are low-income and mothers of children under 18.

When mothers are incarcerated, their families not only lose a primary caretaker, but also a primary wage earner. The effects of imprisoning low-income women exacerbate economic inequalities that affect historically marginalized families and communities, while compounding the economic consequences for generations to come.

Low-income black and brown women have also suffered the loss of parental rights due to marijuana possession and drug convictions. We demand a plan for the restoration and reunification of children and families caught up in the war on drugs and an acknowledgment of the harm that has been done.

Formerly incarcerated people are routinely denied access to jobs that pay living wages, while unfair laws make it harder for the families of incarcerated people to live in public or subsidized housing.

Young people with drug convictions have lost access to federal Pell grants, which remain one of our society’s primary mechanisms for the upward economic mobility of low-income students. None of the wealth stolen due to the war on drugs and mass incarceration has been returned to the people, and we will not stop fighting until that is the case.

We agree with your call to action for other leaders, including governors, to make changes at the state level to address the impacts of simple possession of marijuana convictions. However, we ask you to go further by pushing for the repeal and dismantling of all laws that block the house of cards that is the war on drugs.

We note, in particular, the Congressional Black Caucus, which should play a stronger leadership role in the outcome of relevant federal policies, including mandatory minimum sentences and sentencing guidelines in drug cases, the discrepancies glaring statutory violations in sentencing for crack cocaine versus powder cocaine, the loss of discretion of federal sentencing judges, as well as draconian drug conspiracy laws – which prosecutors use to disproportionately to punish low-income people of color, often outside the jurisdiction of the court.

State laws also need to change, as there are more than 12 times more people incarcerated at the state or local level for drug offenses compared to the federal level. States should repeal laws that have these disparate effects, while using the other tools at their disposal to mitigate ongoing damage in the short term.

This should include granting their own pardons, restoring the franchise to felons, freeing drug addicted prisoners, expunging the criminal records of those affected, and decriminalizing marijuana, at the very least. People who have faced unjust incarceration as a result of the war on drugs should also receive reparations for the significant and irreparable harm they have suffered.

Finally, states and the federal government must reinvest funds wasted on all aspects of the war on drugs in low-income communities of color. Black and brown communities in particular need greater investment in high-quality job opportunities, affordable housing and homeownership programs, youth programs, education and entrepreneurship young people.

We also demand additional resources for reintegration services, so that people returning from jails and prisons can better reintegrate into society.

Thank you for taking important, but long overdue, steps to decriminalize marijuana. At the same time, we urge you to go further in your efforts to end the war on drugs and free more people from unjust and unnecessarily harsh penalties for drug-related crimes.

We would welcome the opportunity to meet with you and other leaders to discuss our concerns and requests. Too often, the voices of black and brown women go unheard when it comes to public policy issues like these, which affect us most directly. Thanks in advance for your consideration.

Dental Practice Expansion Loan Options


If you are looking to expand your dental practice by increasing your office space, adding a new location, renovating your existing dental practice, or buying another dentist’s practice, you may want to consider a dental practice loan.

Expanding a dental practice can be a great way to grow your business and your brand, but it can cost money that you may not have, especially if your dental practice is new.

Read on to learn more about dental practice financing options for your dental practice.

What are the loan options for dental practice expansion?

There are many types of dental office loans, and the type you choose will depend on your plans and what you need the money for, including the loan amount and your repayment plans. You may need working capital loans or equipment financing to expand or pay for renovations to your existing practice and purchase new dental equipment, or you may want to consider a business line of credit to help manage your cash flow.

The type of funding you get will also depend on your qualifications, such as:

  • Credit ratings (professional and personal)
  • Time spent in business
  • Annual revenue

Lenders want to make sure you can repay the loan, so they’ll ask you for these and more as proof of your creditworthiness during the loan application process. This information will also determine the type of interest rate and terms you can get – the more creditworthy your business, the lower the interest rate and the longer terms that may be available to you. It is a good idea to learn how to establish business credit so that you are better qualified for business financing.

Here are some types of small business loans and other financing you might consider for your dental business:

Term loans

Term loans are traditional bank loans, and dentists can use them to grow their business. Some lenders specialize in dental office loans or have specific loans for dental office financing, such as Bank of America and Live Oak Bank. Qualifying for term loans from traditional banks may require a higher credit rating, but these types of loans typically come with the longest repayment terms and lowest interest rates, and may also offer more in terms of loan amounts.

Working capital loans

If you’re looking to hire new employees, rent new space, or increase your operating overhead, a working capital loan can help pay for these day-to-day expenses. They’re often used by businesses that have slow seasons (like retail businesses, tourist businesses, or restaurants with seasonal customers), but they’re available to small businesses of all types.

Alternative loans

Online lenders or alternative lenders are another avenue you can take for your dental office loan, especially if you don’t have a lot of credit history or a lot of time in business. Borrowers who apply for alternative loans may have an easier time obtaining them, and the application process may also be much shorter. However, these loans can come with high interest rates and short term repayments. It is therefore important to choose the loan program that suits your needs.

Equipment financing

Equipment financing can be a good option if you are looking to renovate or add new equipment to your dental practice. You can consider renting or owning, but you’ll likely need a down payment for most equipment loans. As with term loans, you’ll need to make sure you can make a monthly payment, and you’ll need to have good credit to get the best terms. In equipment financing, the equipment itself serves as collateral.

Business line of credit

A business line of credit can help you free up cash. Unlike a loan, you use the line of credit up to your limit to pay for items as you go, rather than receiving a lump sum. You also only pay for what you use and pay interest on that, based on your annual percentage rate (APR). With most business lines of credit, once you pay back the amount you spent, you can also use it again.

Business credit card

Business credit cards are another great way to open up cash flow for your business. You can use the card to pay for equipment or office expenses, allowing you to open up money for expansion. However, leaving a balance on your credit card can add up quickly depending on the APR or interest rate, and it can be more expensive to use this type of debt than other loans. But it’s a good idea to have a business credit card that can help your business build its credit rating, as long as you can afford it.

SBA Loans

The United States Small Business Administration (SBA) offers government-backed loans to small businesses across the United States, including the dental industry. The SBA offers many small business loan programs, including commercial real estate loans. Although SBA loans have some of the best terms available, they can also be very difficult to obtain for a small business owner who does not meet all the requirements.

How can I make more money for my dental practice?

Expanding your dental practice with new equipment, more staff, and increased marketing can be great ways to bring more money into your dental practice. You may also consider expanding into new locations by buying or leasing commercial real estate or buying another dental practice.

There are many practical things you can do within your office to increase income, including:

  • Develop training to make your employees more efficient
  • Creating a better patient experience through enhanced customer service initiatives
  • Automate as much as you can, including data entry, patient reminders, billing, accounting, and scheduling
  • Specialize in a rare procedure or advanced technique
  • Make sure your business plan and marketing plan are organized and up to date

While bringing in more cash can help you with your expansion plans, it’s often a good idea to consider funding large projects to help you grow your business successfully.

How many square feet should a dental office be?

The size of your dental practice will depend on how many treatment rooms or operatories you wish to have. Most operating rooms will need to be between 300 and 400 square feet. You’ll also need space for restrooms, a waiting room, and any other specialized equipment rooms like those for x-rays or surgeries.

The American Dental Association (ADA) recommended that you follow this equation to determine how many square feet your entire dental practice will need:

(Number of operating rooms x area of ​​operating rooms)/0.275

So if you were to have three treatment rooms of 300 square feet each, the equation would be:

(3 x 300)/.275 = 3272.72 square feet.

This can help you determine the type of real estate you would like to rent or buy for your new practice or expansion.

How can a young dental practice market without inbound cash flow?

While dental school may have taught you the ins and outs of good dentistry, you’re unlikely to have learned how to be a good small business owner. Marketing your business is the best way to attract customers, but good marketing can cost money.

As a dental professional, there are several inexpensive ways to market a young dental practice, such as:

  • Creation of a referral program for customers
  • Encourage clients to leave reviews of your firm on Yelp or Google
  • Have a good social media presence, including offering special offers or discounts (be sure to follow HIPAA guidelines when it comes to posting patient images, though!)

However, opening a new dental practice may require a little more investment in marketing. Dental office loans and other types of financing can help you make room for more marketing in your budget, helping you earn more money in no time.

What are the best lenders for dental practices?

There are several different financing options for dental practices. Here are some options:

Medium term loan by Kapitus

With 5.99% – 18% APRthis can be a good option for dental practices looking for $20,000 – $500,000 for an extension.

Line of credit by Kabbage

To have access to $2,000 – $250,000 fast enough : Funds deposited within 3 business days once approved.

SBA loan by SmartBiz

With the SBA loan by SmartBizYou can receive $30,000 – $350,000 in 1 month if you qualify.

Bank of America Dental Loans*

As a national financial institution with branches across the United States, getting a bank of america dental practice loan may be one of your best options. They have special offers on secured term loans and secured lines of credit, and also offer benefits for veterans. They offer financing to start a new practice, buy an existing practice, or expand your dental practice, and the qualifications depend on the type of financing you need.

Live Oak Bank Dental Loans*

Having funded over $1.5 billion in dental practice loans, Living Oak Bank offers loans for the construction of a new practice or the expansion of an existing practice. They can help you find the right financing for expanding, renovating or building your dental practice from scratch.

*All information on these loans was independently collected through Nav. These loan offers are currently not available through Nav.

Learn more about dental equipment financing loans to get an overview of the options available to you.

If you are looking for financing options to grow your dental practice, Nav can help. We take information about your business and its individual needs and match you with the offers you are most likely to qualify for. Register with Nav today to start seeing your options.

This article was originally written on October 14, 2022.

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Youth organizations focus on agriculture awareness at State Fair


By Julie Tomascik

Young leaders from Texas FFA, Texas 4-H and Texas FCCLA participated in service activities, trainings and more to promote agriculture awareness at the State Fair of Texas this week.

“We’re at the State Fair to raise awareness about agriculture,” said Caroline Welker, Texas FCCLA senior vice president. “It’s a great opportunity as a senior in high school. It’s been a great experience participating in the service projects, social media training, and other activities this week.

Student leaders helped pack boxes of hygiene products and items for the North Texas Food Bank.

They also participated in an advocacy training session hosted by the Texas Farm Bureau on how to share agricultural messages on Instagram and TikTok.

“It’s important for young people to get involved in youth organizations like these because they teach you about farming and give you the opportunity to network with peers and industry professionals,” said Campbell Offield , vice president of the Texas FFA Area One State.

During Agriculture Awareness Day, held October 12, students from the state’s FFA, 4-H, and FCCLA participated in a canned food drive. Together they collected over 30,000 pounds of food.

The students then embarked on an educational scavenger hunt across the fairgrounds, and the event ended with a special agricultural message and recognition from the three youth organizations.

“This week at the State Fair, we worked with other teams of FCCLA and FFA officers to build these connections between the three organizations because they are so fundamental to agriculture in our state,” Wes Shaw, Texas 4-H Council member, said. “Being involved in these youth organizations creates connections that can be beneficial later in life.”

The State Fair of Texas runs until October 23.

The Texas Farm Bureau’s Doorways to Agriculture exhibit will be on display during the remainder of the fair.

Madison Realty Capital Refis Seattle Apartment Asset with $32M Loan – Trade Observer


Developer Lively cities secured a $32 million debt package to refinance a newly completed mixed-use multifamily property in Seattle, Commercial Observer has learned.

Madison Realty Capital provided the loan for Vibrant Cities’ Rotating flatsa residential and retail project in the Capitol Hill neighborhood of Seattle. The eight-story development began in the summer of 2019 and was completed in June.

“Pivot offers flexible, centrally located short- and long-term living options for Seattle’s robust job market,” Josh Zegen, chief executive and co-founder of Madison Realty Capital, said in a statement. “We are excited to further expand our presence in the Pacific Northwest by offering a customized financing solution to Vibrant Cities, an experienced developer in Seattle with a long history of delivering high-quality, multi-family properties.”

Located at 1208 Pine Street, the 95 Pivot apartments are 69% let to date. Thirty of the apartments are fully let for short-term rental purposes for Survey United States, a boutique hotel and short-term rental manager. The property participates in Seattle’s Multi-Family Tax Exemption Program by designating 20% ​​of units as affordable.

Community facilities at the property include an outdoor patio, garage, bike storage and fitness center. It also contains 4,900 square feet of commercial space on the ground floor which is fully leased to Wasabi sushi, La Cocina Oaxaquena and social tea.

“The Madison Realty Capital team deeply understood our vision for Pivot Apartments and its place in Seattle’s densest and hippest neighborhood, located within walking distance of the heart of downtown Seattle.” Ming Fongco-founder and president of Vibrant Cities, said in a statement.

Andrew Coen can be reached at [email protected].

Sixers’ Joel Embiid launches ‘In Memory of Arthur’ community initiative


Joel Embiid announced on Thursday that he has launched a new community initiative in honor of his late brother.

The “In Memory of Arthur (IMOA)” initiative has pledged to award $1 million to local nonprofits over the next three years.

Arthur Embiid was killed in a 2014 car accident in Cameroon aged 13. Embiid’s son, born in September 2020, is called Arthur.

Per Embiid’s release, Philadelphia Youth Basketball League, New Options More Opportunities, Youth Empowerment for Advanced Hangout, Boys and Girls Clubs of Philadelphia, and Rhymes with Reason will receive grants.

“Philadelphia has been a place where a lot of my dreams have come true, and I wanted to do my part to bring that to others,” Embiid said. “There are a number of organizations in Philadelphia that are creating positive tangible change, but with the FTI initiative, we really wanted to focus on those who are often overlooked, but who deeply understand the communities they serve. as an NBA player, I’ve been blessed with resources and influence, and with the FTI, I hope to give back everything I have in my community, giving to the experts who are the real MVPs for make the difference.

Embiid won the NBA’s Community Assist Award in March 2021 for donating $100,000 to Philadelphia-based organizations that address homelessness.

The five-time All-Star is by far the oldest Sixer. He’s also expected to stay in Philadelphia for a long time, with his supermax extension beginning in the 2023-24 season. The release notes Embiid intends to have “an active role within each organization, and plans to visit and volunteer year-round.”

Nature walks can relieve stress


Science shows how immersion in nature can speed healing and act as an antidote for many ailments. Last year I went on a nature walk. I was able to stop and take a different look at the trees around me. I listened to the sounds and wondered what there was to see. It was really refreshing.

Nature can relieve you of the stress of a major life transition. The exercise, combined with the beautiful scenery, is a daily dose of soothing comfort. Gazing at the huge trees reminded me of the many winter storms and the changes they have gone through over their lifetime. Seeing a red-tailed hawk will make you think about the need for a “bird’s eye view” for a broader perspective of your own situation. Observing vegetation, ants, butterflies and squirrels will reflect that life is constantly changing and adapting over time.

The wilderness will provide a place to reflect, discern, plan and breathe out the stress of ongoing personal changes. Taking the time to stop and look closely at insects, flowers, rocks and leaves will show you how life is constantly happening around us. It’s a great way to celebrate nature.

Nature can be a source of inspiration

Nature serves as a refuge to inspire, reflect and heal. Studies reveal that being in nature has a powerful positive effect on mind, body, and spirit. The statistics on the health benefits of being in nature for children are remarkable and, in many ways, not surprising. Outdoor activities increase physical fitness, increase vitamin D levels and improve distance vision. Being in nature reduces ADHD symptoms. Schools offering outdoor education programs help students perform better on standardized tests and improve their critical thinking skills. Nature also reduces stress levels and improves social interactions between children.

A nature walk can combine good exercise and beautiful scenery, providing a dose of soothing comfort.

These benefits also translate to adults. In adults, studies show that being in nature speeds up the process of restoring health, lowers blood pressure and lowers the risk of cancer, all while lifting people‘s spirits. In a classic study done in a suburban Pennsylvania hospital between 1972 and 1981, patients who saw deciduous trees through the window recovered from surgery much faster than those who saw a brick wall. Patients with a nature view also received fewer negative evaluations from their nurses and received fewer pain injections.

High blood pressure, which affects one in three Americans, costs the United States more than $48 billion a year. A recent study, however, shows that adults can lower their blood pressure simply by spending 30 minutes or more per week walking in a park. In a study looking at the link between nature and cancer, people who took two long walks in nature for two consecutive days had an increase in their cancer-fighting cells, called NK cells, by 50% and an increase in activity of these. 56% cells. Additionally, cell activity levels remained elevated for a month. These studies highlight the many ways that simply getting outdoors will benefit us psychologically and physically. These are scientific numbers, not mine.

Japan promotes “forest bathing” for preventive health care

Some of the most interesting research on the link between health and nature comes from Japan. Walking and spending time in forests, known as shinrin-yoku, or forest bathing, is a popular form of preventive health care in Japan. Studies now prove the health benefits of spending time in forests. Yoshifumi Miyazaki of the University of Chiba, Japan, found that a 40-minute walk through a cedar forest lowers the level of cortisol, a stress hormone, as well as blood pressure and supports the immune system more than a similar 40-minute walk indoors in a lab.

Qing Li of Nippon Medical School in Tokyo has shown that trees and plants emit compounds known as phytoncides which, when inhaled, provide us with therapeutic benefits akin to aromatherapy. Phytoncides also change blood composition, which impacts our protection against cancer, strengthens our immune system and lowers our blood pressure. Toledo Metroparks has taken the lead in these forest walks.

Experiencing nature not only reduces stress, but also improves our cognitive abilities. Gregory Bratman of Stanford University and his colleagues enrolled 60 participants who were randomly divided into two groups: the first group took a 50-minute “nature” walk surrounded by trees and vegetation, and the second group took an “urban” walk along a high – traffic lane. Nature walkers showed cognitive benefits, including increased working memory performance, “decreased anxiety, rumination, and negative affect, and retention of positive affect.” Just one more proof that walking in the forest is very beneficial.

So why not take your walking shoes out of the closet and start your own weekly or daily routine?

Susan La Fountaine is a Master Gardener with the Sandusky and Ottawa Counties Extension Offices.

Lindauer seeks new head for California Rural Legal Alliance


October 11, 2022 – Lindauer has partnered with California Rural Legal Assistance Inc. (CRLA) to find their next CEO. senior consultant Diane Felicio, Ph.D. and consultant Elsa Gomes Bondlow lead the mission.

California Rural Legal Assistance is seeking applications and nominations for the position of Executive Director. This is a pivotal moment in the organization’s history as Jose Padilla, the organization’s longtime leader, retires after more than four decades with the organization, with 38 as executive director. The Executive Director is responsible for the strategic leadership, management and smooth running of the organization. This includes leading long-term strategic planning, major policy initiatives, board relations, fund development, staff management, and program planning and monitoring.

The successful candidate must possess a law degree, be licensed by the California State Bar, or be admitted to the California Bar at the start of their term as Executive Director. “This person should have a humble presence with a track record as a clear communicator adept at balancing the need for transparency and collaboration with timely decision-making and follow-up, Lindauer said. “This is a remarkable opportunity to join a justice-focused organization and provide the visionary leadership and organizational discipline needed to ensure that the impact, community presence and national status of the ARLC is preserved and advances.

California Rural Legal Assistance is a leading legal services organization, nationally recognized for its large-scale impact on behalf of low-income rural communities in California. Founded in 1966, CRLA provides free civil legal services, advocacy support, and educational resources to low-income rural residents throughout California. CRLA’s administrative office is in Oakland. The organization has 17 offices across the state.

At the service of non-profit organizations

Lindauer serves higher and secondary education, hospitals, academic research centers, think tanks, research facilities and foundations, as well as advocacy, public service, social justice and other purpose organizations. non-profit mission-oriented. The company has conducted research for the Boston YMCA, Center for Applied Special Technology, Healthy Minds Innovations/Center for Healthy Minds, University of Texas at Austin, and Cockrell School of Engineering, among others.

Deb Taft, Managing Director, leads Lindauer with over 25 years of leadership and leadership experience in the nonprofit sector, from education to healthcare/academic medicine to youth services and voluntary sectors. His expertise includes governance, strategic planning, fundraising, program and people management, strategic marketing, voter analytics and engagement, and talent recruitment, retention and development.

With over 25 years of experience in leadership positions, Dr. Felicio has served as a strategist, executive director, operations expert, fundraiser, crisis manager, trusted advisor and relationship builder in a wide range of institutions. non-profit and related. sectors. In these positions, she was directly involved in recruitment activities in many roles, including professors/deans/presidents/presidents of colleges and universities, development professionals and operations staff/directors/executive directors, as well as the recruitment and governance of boards of directors.

Ms. Gomes Bondlow brings to Lindauer and her clients over 20 years of experience as a connector, relationship builder, social justice activist and social change strategist. In 2020, she co-founded the trust-based, women of color-led Social Equity Access Fund, which focused on meeting basic needs while addressing the social determinants of health. Ms. Gomes Bondlow is currently a member of the Board of Directors and Co-Chair of the Diversity, Equity and Inclusion of Women in Greater Boston Development Committee.

Recent search

Lindauer recently helped recruit Ben Johnson as the new president and CEO of the United States Marshals Museum in Fort Smith, AR. The mission was led by Libby Robertssenior vice president, and Megan Abbette, senior consultant. “As part of a national search, we were looking for a new CEO with a proven track record in museum operations,” said Doug Babb, Chairman of the Board of USMM. “And that’s exactly what we get with Ben Johnson. Over his 20-year museum career, Ben has held almost every position within the museum industry. He understands all aspects of museum operations because he held almost every position.

“Ben brings us the expertise we need to complete the fabrication and installation of the museum experience, hire and train our museum staff, and develop a business plan for an operating museum,” said Babb. . “We hope that with a new CEO with a proven track record in museum operations, we can accelerate our fundraising and open to the public next year.”

Related: Allen Institute for Artificial Intelligence Selects Lindauer for CDO Research

Contributed by Scott A. Scanlon, Editor; Dale M. Zupsansky, editor; and Stephen Sawicki, Editor – Hunt Scanlon Media

Celebrities supporting Atiku’s presidential candidacy


The upcoming general elections in 2023 may well prove to be one of the fiercest electoral battles in Nigeria’s history. Although 18 presidential candidates from various political parties are eyeing the seat of President Muhammadu Buhari, THE WILL focuses on the three main political gladiators.

In this three-part series and still in the spirit of the country’s independence anniversary, IVORY UKONU and SHADE WESLEY-METIBOGUN unveil celebrities, entertainers and socialites who pitched their tents with their favorite presidential candidates.

This week, the spotlight is on those supporting Peoples Democratic Party (PDP) presidential candidate Atiku Abubakar:

Ikechukwu Sunday Okonkwo

Ikechukwu Sunday Okonkwo

The third runner-up of Big Brother Naija reality show Season 6, Ikechukwu Sunday Okonkwo otherwise known as Cross is an ardent supporter of Atiku Abubakar.

The fitness enthusiast took to Twitter to publicly declare his support for Atiku last June. Cross’s love for Atiku dates back to when he was still young. According to him, he has known Atiku for many years, lived with him and even shared the same bed with his children.

Cross revealed that at some point in his life, when he had nowhere to go, Atiku took him in and took care of him. He therefore considers Atiku as his family. While looking to back the former vice president recently, Cross swore that Atiku was the best of the top three presidential contenders. He also said the politician means well for the Nigerian youth.

Paul Dairo
Paul Dairo

Singer Paul Dairo aka Paul Play is not only a card-carrying member of the PDP but also a strong supporter of Atiku Abubakar. He does, however, support it from the UK where he is based. He is also the Director of Entertainment for the Atiku Care Foundation, a non-governmental organization set up to care for the less privileged at the local level while introducing the man, Atiku Abubakar to the world by bringing him closer to the grassroots.

Dele Odule
Dele Odule

A few months ago, when veteran actor, Dele Odule joined the PDP, he publicly announced his interest in partisan politics. According to him, the reason for pledging allegiance to the political party and its standard bearer was to make way for the liberation of his people in Oru-Ijebu, a community in Ogun State, as the candidate had promised him” party’s embattled governor. in the state, Ladi Adebutu.

The actor recalled the good things that Ladi, a former lawmaker, did for the entertainment industry when he was in the National Assembly, which is said to have had a positive impact on the industry.

Adebutu had sponsored a bill which reached second reading in the House of Representatives. Unfortunately, his progress was blocked by his inability to return home. However, Adebutu has promised to help the actor and his community when he is elected governor of the state.

David Adele
David Adele

Musical artist, David Adeleke, popularly known as Davido, has been an avid follower and supporter of the PDP. His uncles are party members. One of them, the late Alhaji Isiaka Adeleke, was a former governor of Osun State and the other, Senator Ademola Adeleke, is the current governor-elect of the state.

By extension, Davido supports the presidential ambition of Atiku Abubakar. The latter also reciprocated the love the singer showed his party by rocking out to his Stand Strong music while unveiling his five-star relaunch plan last week.

John Okafor
John Okafor

Nollywood actor John Okafor also known as Mr Ibu has never hidden his love for Atiku Abubakar and the need to support his ambition to become the next President of Nigeria. He reiterated that fact when he had to correct a misconception after honoring an invitation from Bola Tinubu, the presidential flag bearer of the All Progressives Congress (APC). Many people had assumed that he had pitched his tent with Tinubu. But the comic act has made it known that its candidate of choice is the PDP presidential candidate, Atiku Abubakar. He revealed this even before Atiku declared his intention to run for the position.

According to him, his support for the former vice president of Nigeria is the result of personal conviction and Atiku’s pedigree. The politician has been a benefactor to the actor, who sees him as a father and he said he wouldn’t give up on him when he needed him.

The actor clarified that if he is seen with another contestant, it means his service as an actor was needed there at the time, but it does not mean he has changed roles. allegiance to his benefactor.

“I never ran sideways, it was me and Atiku who helped me in so many ways and if he runs for president, Atiku is definitely my candidate. Atiku is like a father to me, having worked for him even in his own state so I wouldn’t give up on him. I’m not trying to take down Tinubu but he’s not my candidate, Atiku is my candidate. Anyone I’ve visited is not only one visit. As an actor, they wanted me to assist them in some way. That doesn’t mean that I abandoned my candidate and my father,” he said.

Funke Akindele
Funke Akindele

Nollywood actress and producer, Funke Akindele is not only the supporter of Atiku Abubakar but also the running mate of Olajide Adediran, PDP candidate for Lagos State Governorship in 2023, for which she had to suspend her acting career. She used her platform to campaign for herself and Atiku.

Bankole Wellington
Bankole Wellington

Singer and actor, Bankole Wellington, aka BankyW, was a member of the Modern Democratic Party (MDP) through which he cut his political teeth in 2019 but was unsuccessful at the polls. He had to defect to the PDP where he landed a ticket to stand for National Assembly elections in the Federal Constituency of Eti-Osa, Lagos.

Wellington recently and openly supported the presidential ambitions of Atiku Abubakar. He gave Atiku a dignified welcome during his visit to Eti-osa Federal Constituency. He solicited votes for Atiku and himself, using his platform.

Chukwuemeka Okoye
Chukwuemeka Okoye

Reality TV star and former BBN housemate Chukwuemeka Okoye, popularly known as Frodd, is one of the youngsters backing the PDP presidential candidate. He was one of the youngsters who visited the politician along with some of his roommates and other content creators.

Luminous Osemudiame
Luminous Osemudiame

Bright Osemudiame, a former housemate of Big Brother Naija, showed his support for the PDP presidential candidate earlier this month after joining his colleagues to pay a courtesy call on the politician. One of the reasons the reality TV star visited Abubakar was to seek youth empowerment and involvement when Abubakar becomes president. He may have remained silent since then on the upcoming elections, but his visit to the politician indicates that he backs the PDP in 2023.

Reno Omokri
Reno Omokri

Reno Omokri, assistant to former President Goodluck Jonathan. is a strong supporter of Atiku Abubakar. He considers Atiku to be the best presidential candidate due to his track record as Nigeria’s vice president. Omokri uses his platform to encourage Nigerians to vote for his favorite candidate because he is “in good health”. The controversial social media influencer was pictured presenting a t-shirt to his favorite presidential candidate after endorsing him.

Average HELOC and Home Equity Loan Rates for the week of October 10, 2022

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Key points to remember

  • Home equity loans and lines of credit (HELOC) rates rose slightly as lenders took into account the latest increases from the Federal Reserve.
  • Borrowers are increasingly turning to home equity loans and HELOCs as huge increases in mortgage rates this year have made withdrawal refinances more expensive.
  • Experts say it’s essential to shop around with different lenders and get a product comparison between Apples before settling on one.

The housing market is cooling, but home equity products are in vogue.

The reason: High mortgage rates – nearly 7% today, after being around 3% a year ago – are suppressing demand for cash-out refinances.

“We are seeing quite a strong demand for home equity products,” says Rob Cook, vice president of marketing, digital and analytics for Discover Home Loans. “Consumers are looking for affordable ways to access their home without jeopardizing their primary mortgage.”

Interest rates for home equity loans and lines of credit (HELOCs) have risen, but not at the same pace as mortgage rates. The average rate for a $30,000 HELOC is 7.27%, rising 15 basis points week over week.

For the rest of 2022, experts expect these rates to do the same thing: keep rising a bit.

“The home equity market, in some ways, is a mirror image of what’s happening in the primary mortgage market,” Cook says. The prime rate, which is the benchmark for many HELOCs, follows increases in short-term interest rates by the Federal Reserve. Given the Fed’s continued attempt to reduce inflation, this rate should continue to rise through the end of the year.

Here are the average home equity loan and HELOC rates as of October 5, 2022:

Type of loan Price for this week Last week’s rate Difference
$30,000 HELOC 7.27% 7.12% +0.15
10-year $30,000 home equity loan 7.27% 7.16% +0.11
Home equity loan of $30,000 over 15 years 7.18% 7.13% +0.05

How these rates are calculated

These rates come from a survey conducted by Bankrate, which, like NextAdvisor, is owned by Red Ventures. Averages are determined from a survey of the top 10 banks in the 10 major US markets.

What is the difference between a home equity loan and a HELOC?

When you borrow money with home equity loans and HELOCs, you use the difference between the value of your home and what you owe on mortgages as collateral.

Here’s how the two products work:

A home equity loan is similar to a personal loan, except it’s secured by your home. You borrow a lump sum of cash all at once and repay it over time, usually at a fixed rate. “As a borrower, a home equity loan gives you the advantage of knowing the amount of payments in any given month. People like to have that certainty, especially in a turbulent rates market, Cook says.

HELOC are more like credit cards. When you borrow money with a HELOC, you have a revolving line of credit. There is a limit to the amount you withdraw at one time and you only pay interest on what has been borrowed. Unlike home equity loans, the interest rate is often variable.

Since HELOC interest rates generally track the benchmark preferential rate, as the Fed raises rates, “If you have an existing HELOC, you’re also going to see your interest rates go up,” Cook says. With an existing fixed rate home loan, what the Fed does will not impact your monthly payments.

You can expect home equity loan and HELOC interest rates to rise as Fed changes make borrowing more expensive for financial institutions.

What should consumers know about home equity loans and HELOCs?

Home equity loans and HELOCs allow you to get a cash injection – either all at once or on a revolving basis – with a much less arduous application process than that of a mortgage. Your credit history doesn’t play as big of a role in whether or not you qualify for home equity financing, but it will affect the rates you can get, Cook says.

Before borrowing with a home equity product, remember: The loan is secured by collateral – your home. In the event of default, you risk losing your accommodation.

How to get home equity financing

Have a good grasp of your financial situation before applying for a home equity loan or HELOC. Making sure you have a plan for how you’re going to repay is key to protecting your most valuable asset: your home.

“Choose a lender you can trust,” Cook says. You’ll want to shop around with a few different lenders to see who offers the best rates.

From there, you will complete an application through the lender of your choice and complete the verification process. It may take a few weeks for you to access your loan or line of credit.

How to Use Home Equity

Home equity loans and HELOCs can be used for multiple purposes. The most common uses are home improvements – which can increase the value of your home over time – and debt consolidation. Using the equity in your home to consolidate debt can be risky if you don’t address the behavior that put you in debt. You don’t want to encounter the same problem later.

Think about how you tap into your home equity. “Do your homework before making the big decision,” says Cook.

“Be sure to ask questions upfront to understand what rates and fees are associated with your loan options,” Cook says. “What you really want is a real apples-to-apples comparison. Sometimes there is so much fixation on the price that people overlook some of the fees associated with these products.

Pro tip

When tapping into your home’s equity, make sure you have a clear plan for how you’re going to pay it back.

Christchurch Golden Ceremony | Exclusive News


Tungia te ururoa kia tupu whakaritorito te tupu o te harakeke

Set the overgrown bush on fire and the new flax shoots will sprout / eliminate the bad and the good will bloom

Spring has arrived with fresh flowers in bloom, and we are thrilled to celebrate our flourishing participants who will take home their gold medals in Christchurch on Saturday 15th October. The Gold Medal Ceremonies are occasions of immense pride and joy as we come together to mark and celebrate the achievements of young people who have undertaken such a significant effort to grow and take the first step towards their future. . We appreciate these inspiring rangatahi, and the Golden Ceremony is an opportunity to hear about their reward journeys and celebrate their accomplishments. Obtaining your Award – and in particular your Gold Award – is not an easy task. It requires commitment, tests your resilience, and challenges you to step out of your comfort zone. The Prize also provides opportunities for young people, empowering them to be their own agents of change, both for themselves and for their communities.

The award provides a program that empowers our youth to have lasting, life-changing results for themselves and the communities we share together. Those who reach the pinnacle of the prize – the Gold Award – have shown perseverance, determination, resilience, compassion and leadership. Participating builds character and offers a unique perspective and insight to those involved.

Last year’s award participants volunteered more than 55,000 hours, helping with environmental projects, serving the most vulnerable, building intergenerational connections, raising funds for nonprofits, leading front lines of youth advocacy roles and more. The participants we celebrate at the Christchurch event have trained and competed in rowing, tennis, bowling, cycling… They have followed their passions and developed their skills. These rangatahi ventured far and wide and explored our beautiful landscapes. They saw unforgettable sights and made lifelong friends. Throughout their journey, they have gained confidence, self-esteem, motivation and teamwork skills, preparing them for the world and their future.

We are sincerely proud to commemorate their mahi. The 65 gold winners celebrated at our upcoming ceremony in Christchurch on October 15 have shown tenacity and perseverance to secure their award. Gold winners have not only succeeded in taking the reins of their own lives, but also in becoming valued citizens of the world.

Each of our winners is exceptional, we highlight a few below.

Alijah Prakesh, one of our Gold winners at the October ceremony, is an inspirational athlete. For the past 14 months, Alijah has participated in the Special Olympics’ New Zealand (SONZ) sports competition. It ranged from one day events to the culminating 3 day west coast event. Each competition creates anxiety, stress and the challenge of meeting and competing against different people in each encounter. However, she rose to the challenge, and the resilience and strength she demonstrated are key markers of how far she has progressed in her journey of self-discovery.

Another member of the Gold Award class of 2022 will be Takuma Peters, the award leader and teacher at Waitaha School. The price leaders are the backbone of the price here in New Zealand. Without them, young people would not have the opportunity to participate in the Prize. The leader of the prize, Takuma Peters, has been integral to the success of its participants. Although it took ten years, Tak is an incredible example of perseverance and how others can inspire. Beginning his reward journey in high school, he had never completed his gold, but taking on the role of reward leader at Waitaha School, Tak was inspired by the same rangatahi he was inspired by. itself, to complete its own price. And just in time to receive her Gold Award alongside some of her students in October at our ceremony in Christchurch. His leadership skills have shone on his reward journey and beyond. “The award inspired me to always help others. That’s why I’m now an Award Leader inspiring the next group of rangatahi to win their awards.

Canterbury’s James and Breanna Sampson would knock your socks off with their collective achievements. Both Gold winners, they have completed hours of physical recreation, vocational training, volunteer service and adventurous travel. Not only has their commitment and passion to develop shown in their dedication to the prize course, they are New Zealand Youth Bowling Champions and regularly dominate the competition with their singles and pairs performances. As they progressed through sections and levels, both gained a lot. To continue to win bronze, silver and then gold medals requires extraordinary determination and tenacity. Breanna reports, “With each level, there was more to do, more challenges to overcome, more activities to try, more skills to learn, and more challenges to overcome. I wanted the program in my life to motivate me to do these things in my own life, so that I could build on these lessons and experiences in my future. After getting the gold, both feel honored to have completed the prize journey, proud of themselves for having achieved what they had hoped and wanted, and happy with how far they have come.

Winning the Hillary Gold Award from the Duke of Edinburgh is a milestone, and those who have stayed the course have become role models. William Galway is one of our Gold winners, and his success, enthusiasm for life itself and all of its possibilities is a life-changing achievement. Receiving his Gold Award at our ceremony in Christchurch later this year, Search the Way participant Will went to great lengths to secure his awards. William has received great support throughout his award journey from his whanau and Search the Way. His adventures have given him the confidence to discover who he is – a musician, a fit athlete, a willing volunteer. Above all, the award ignited his love for the outdoors, which led him to enroll to study outdoor education. Recognized at all stages of the Prize’s journey for his commitment and perseverance, he is highly respected and considered an essential part of his community. Many young people see him as a role model and also participate in the prize.

Will, Tak, Breanna and James, like all of our gold winners, have everything they need to succeed in their future. Our Gold winners have demonstrated a strong commitment to caring for the things, places and people around them.

Many talk about how the Prize has changed them; “The award challenged me and made me the person I am today.” And how “obtaining my Gold Duke of Edinburgh’s Award put me on the path to a rewarding future”.

Each year, more than one million young people take part in the Prize worldwide, supported by approximately 200,000 volunteers. In Aotearoa, there are over 8,000 registrations each year, with 20,000 young people engaged at any one time. The prize is open to all young people between the ages of 14 and 24, regardless of their background, culture, physical abilities, skills and interests. This is the world’s premier award for youth achievement. The award aims to facilitate and encourage young people to take on challenges that enhance life and community, that deepen and stretch them, transforming them into admirable, reliable and active citizens.

“Gold medals aren’t really made of gold. They’re made of sweat, determination, and a hard-to-find alloy called guts. –Dan Gable

Participant comments:

James Sampson, Joshua Foundation

The award had a positive impact on me by encouraging me to meet new people and learn new skills. Completing my voluntary service gave me a new respect for children who come from difficult backgrounds and who face obstacles and challenges on a daily basis. It made me grateful for the upbringing I had and how lucky I was to have a loving and supportive family. I really enjoyed tramping because I like to be active and outdoors. The bums helped me learn skills like map reading and gas stove use. They also helped to have a positive self-talk and in a group, everyone motivating each other to keep going and moving forward.

Kaitlyn Lamb, Adventurous Escape from John Paul College

The Prize introduced me to the world of volunteering! Four years later, I am still volunteering and even running my own environmental volunteer club! The adventurous trips have been amazing, it has given my confidence a boost and reconnected me to Papatuānuku and found my passion for caring for nature, especially growing food locally!

Maddison Frazer, Mount Aspiring College

The Duke of Edinburgh’s Award has been a journey where I stepped out of my comfort zone, challenged myself and was pushed to my limits. It was also a journey that took me on great adventures, opened my mind and changed my views. I discovered new things about myself and it gave me friendships for life. The places I have been and the people I have met during my participation in the Duke of Edinburgh’s Award have opened up new opportunities and experiences that go far beyond the original scope of the Award – proving that It’s about dreaming big to discover your potential.

Gold Award Recipients

Saturday 10 a.m. Ceremony, Christchurch

We are delighted to celebrate students from the following schools:

Aquinas College

Auckland Challenge Home School Group

Cashmere High School

Christchurch Girls’ High School

College of Christ

Escape Adventure John Paul College

Feilding High School

Glendowie College

Havelock North High School

Hillcrest High School

Joshua Foundation

Joshua Youth

Mount Aspiring College

Otamatea High School

Otumoetai College

Outdoor Training New Zealand – BOP

Papanui High School

Queen Margaret College

Rolleston College

Find the path

St. Andrew’s College

Youth of St. John

Sainte-Marguerite College

Taradale High School

Verdon College

Villa Maria College

Virtual reward center

© Scoop Media

Austin Talks | Telling stories that need to be told as part of a monthly reading series in Austin


Every third Sunday of the month, the Front Porch Arts Center invites writers and residents to the Westside Writers Reading Series. The reading and open mic event “serves as a sanctuary for artists and community members to share their stories,” said Austin writer and educator Keli Stewart.

Stewart is the founder of the Front Porch Arts Center, an organization established in 2019 to showcase West Siders history and culture through the arts. A graduate of Columbia College Chicago’s fiction writing program, she said many West Side writers have stories to share that show the impact of books and the arts in the community.

“We want to continue to create safe places to tell our stories,” she said at the end of last month’s event. “We need more spaces, we have so many West Side artists.”

The event brought together authors Anita Davis, Vee L. Harrison and Orion Meadows.

The Austin branch of the Chicago Public Library, the usual venue for the event, closed unexpectedly on the day of the event. Instead, Harambee Community Garden opened its doors to the three creatives who shared stories rooted in their experiences on the West Side.

Davis, a former elementary school writing and social studies teacher, read aloud from her women’s fiction book “Untold.”

Davis said she only discovered her passion as a writer when she realized how much she enjoyed creating writing samples for her students. She then completed her Masters of Fine Arts in Creative Writing at National University.

“You can’t live in Chicago and not know someone who knows someone,” Davis said. Based on this, she said she wrote passages from this book that related to her first book, “Underneath It All.”

Davis is the author of 16 titles, published over the span of 10 years. She has also written poems even though she “doesn’t pretend to be a poet”, she says.

Meadows, born and raised in Chicago’s South End, is a poet who uses spoken word and the creative arts as a medium for activism in his community. He is a member of the National Alliance for the Empowerment of Former Prisoners and the Prisoner’s Ward Arts + Education Project.

“So when I was 18, I got involved in gang-related crimes, and I got out last year…” Meadows said. “The community is definitely impacted by the violence in so many different ways.”

While in prison, Meadows heard of community leaders advocating for education and creative arts programs in prisons. He now works with the West Side-based Institute for Nonviolence Chicago to provide services to victims of crime or family members and to prevent youth involvement in violence using the philosophy of non- violence of Martin Luther King Jr.

He recited several poems that recounted his experiences in prison. One of them was inspired by a dream about Martin Luther King Jr., another inspired by his experience at the Pontiac Correctional Center.

In his article “Inmate Appreciation Day”, he criticizes the criminal justice system based on his own experiences. Through this poem, he discovers that his father is also a writer.

“My mom after hearing it she was silent, Meadows said. “I was like, ‘Why are you silent?'”

“And then basically, in short, she was saying that there are certain things that you just don’t learn. There are things that are passed on to you.

Harrison, a Chicago journalist and author of the book “Hood Healing,” read excerpts from his book. On the table behind sat the photo of his brother Darry Anthony Harrison Jr., who lost his life to gun violence in 2021.

“My one and only brother, he grew up in this neighborhood and he got killed, didn’t he?” she says.

“So I wrote Hood Healing because it was one of the last things my brother and I talked about. And I wrote it because it was a need to talk about what we do with trauma as blacks.

Harrison, a graduate of Columbia College Chicago’s journalism program, shared some memories of growing up in Austin and her thoughts on the need to speak out about the generational trauma experienced by black people in Chicago.

Her work as a journalist covering community news and black culture has further exposed her to the trauma caused by violence, food insecurity, disengagement, and police brutality, among many other inequalities, in black communities.

“The pain of losing our people day after day. The pain of knowing your family is making headlines and the cops still don’t have answers. The grief of knowing that your ancestors were in a country that doesn’t treat you well,” she said. “It’s traumatic.”

“And so I learned from losing someone close to me and dear to me that to heal my hood, I had to heal mine.”

To learn more about the Front Porch Arts Collective, click here.

What was the savings and credit crisis? How has this affected investors? | Arena

Due to the S&L crisis of the 1980s, the Federal Deposit Insurance Corporation (FDIC) now insures S&L deposits.

tinabelle from GettyImages for iStockphoto; Cloth

What was the savings and credit crisis?

In the 1980s, there was a financial crisis in the United States which stemmed from the skyrocketing inflation as well as the rise of high-yield debt securities, called junk bondswhich led to the bankruptcy of more than half of the country’s savings and loan (S&L) institutions.

Stacker examined the facts and events related to the Nobel Prizes each year from 1931 to 2021, drawing on memories and announcements from the Nobel Committee, current events and historical accounts. Click for more information.

A savings and loan institution, also called savings, is a community bank. It provides current and savings accounts as well as consumer loans and mortgages.

The concept of the S&L began in the 1800s. They were formed with a mission to help the working class with low cost mortgages so they could afford homes. The most famous example of a savings appeared in the movie It’s a wonderful life. There were over 3,200 S&Ls in the United States in the 1980s; fewer than 700 remain today and the S&L crisis is estimated to have cost taxpayers up to $160 billion.

What caused the savings and loans crisis?

The savings and loan crisis stemmed from a variety of factors, but none contributed more than inflation. The early 1980s were a difficult time for the United States as consumers faced rising prices, unemploymentand the effects of a supply shock— an oil embargo — which caused energy prices to skyrocket. The result was stagflationa toxic environment of rising prices and slowing growth, plunging the economy into recession.

In order to fight against inflation, the Federal Reserve necessary to take aggressive action, and so he sharply increased the Federal funds rate. This had a knock-on effect on all other short- and long-term interest rates – they peaked at 16.63% in 1981 – and made the “American dream” of home ownership nearly impossible. .

That is, until a “revolution” in real estate financing was introduced: mortgage instruments that reflected changes in interest rates, called rolling or variable rate mortgages. These would make the owner liable to bear some of the risk in case interest rates rise sharply again – and come back to haunt global markets during the 2007-2008 financial crisis.

How were S&Ls affected by inflation in the 1980s?

Inflation didn’t just hit homebuyers in the 1980s. Obligations had long been a way for companies to raise funds, but during the recession many companies that had previously issued investment grade bonds received credit downgrades, which reduced their bonds to a riskier, speculative-grade or junk status, which meant that their probability of default had increased. That didn’t stop Big Business in the 1980s, however. Corporations simply began funding their activities, such as mergers or leveraged redemptions, through junk bonds – and savings and credit institutions too.

The savings and credit crisis explained

The problem for the S&Ls was that many of the loans they made were long term and fixed rate. So when the Fed raised interest rates sharply, S&Ls were unable to generate enough capital from existing depositors to offset their debts. In addition, restrictions imposed by laws such as the Federal Home Loan Bank Act of 1932 placed limits on the amount of interest a bank could charge its account holders, which tied their hands. S&Ls earned less interest on their loans than they paid on their deposits. The phrase “borrow short to lend long” was coined.

New consumer account holders were attracted to other banks offering vehicles like money market accounts, which had better, higher savings rates; as a result, many S&Ls became insolvent.

The federal government, which itself faced the ill effects of the recession, such as a hiring freeze in 1981, lacked the manpower to oversee the S&L industry as it grew more combustible. Instead, officials made the shocking decision to deregulate industry in the hope that it would self-regulate. But less oversight has caused even more egregious things.

How were S&Ls connected to junk bonds?

Deregulation allowed S&Ls to invest in even riskier instruments that would offer the high returns they needed: junk bonds became the speculative vehicle of choice for financiers behind S&Ls hoping to offset the damage caused by fixed rate mortgages. Surprisingly, the government did not charge the S&Ls that made these investments premiums on their deposit insurance; in fact, all S&Ls paid the same premium.

S&Ls have also taken advantage of other regulatory loopholes, which have delayed their insolvency, adding years and billions more to the burden on taxpayers. For example, they invested heavily in speculative commercial real estate, especially in Texas. They also made “deposits through a broker, which split client funds into $100,000 increments, which could then be deposited into different S&Ls in search of the highest interest rates. , leaving a written record. S&L’s financiers also flagrantly violated generally accepted accounting principles, counting the losses on their balance sheet as “good will”.

One example involved investor Charles Keating, who bought up to $51 million in junk bonds for his S&L, Lincoln Savings & Loan, even though he technically suffered a net loss of $100 million. These junk bonds came from Michael Milken’s company, Drexel Burnham; both men were convicted of securities fraud and racketeering and sentenced to prison.

But Keating’s actions didn’t stop there. Even more incredible, Keating was also responsible for sending $1.5 million in campaign contributions to five US senators. The incident became a political scandal known as the keating five and involved Senators John Glenn (D-Ohio), Alan Cranston (D-California), John McCain (R-Arizona), Dennis DeConcini (D-Arizona), and Donald Riegle (D-Michigan).

Keating’s bribes were an attempt to pressure the Federal Home Banking Board to investigate his S&L, but in 1991 the Senate Ethics Committee determined that Cranston, DeConcini and Riegle all had improperly interfered with the Lincoln Savings investigation, while Glenn and McCain were cleared. All five were allowed to complete their terms in the Senate, but only Glenn and McCain won re-election.

What are the consequences of the savings and credit crisis?

In 1989, President George H. W. Bush introduced the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA), which reformed the S&L industry by providing $50 billion to close or “bail out” failing S&Ls and stem new losses, as an additional 747 S&Ls declared bankruptcy between 1989 and 1995.

In addition, FIRREA required all S&Ls to sell their junk bond investments and establish stricter capital maintenance requirements. It also created new penalties for fraud at federally insured banks. A new government agency, the Resolution Trust Corporation, was created to resolve the remaining S&Ls. It operated under the umbrella of the Federal Deposit Insurance Corporation (FDIC) until its final dissolution in 2011.

The S&L crisis is one of the causes of the American recession of 1990, which lasted 8 months. During this period, home buying fell to its lowest level since World War II.

Do S&Ls still exist?

Yes, but today’s S&Ls have merged or been taken over by bank holding companies. They are run with much stricter regulations, requiring 60% of their assets to be invested in residential mortgages and other consumer products, for example.

Is saving safe in a recession?

Although recession may be a natural part of the business cycle, TheStreet.com‘s believes Roger Wohlner several categories of bonds and bond funds can help your portfolio stay more stable.

It’s time: Aspen’s 2 great ski swaps ready to roll | New


It was the snow on the high peaks that first made Roaring Fork Valley residents think of ski season. Then it will be Aspen’s two major ski exchanges that will get the juices flowing.

The Aspen Valley Ski and Snowboard Club will hold its Sports Swap on Market Street in downtown Willits from 10 a.m. to 2 p.m. Sunday.

A second event, the Aspen Ski Swap, will take place at Aspen Middle School from 9 a.m. to 1 p.m. on Saturday, October 29.

This weekend’s Ski Club event features equipment from multiple sports. It was expanded from skiing and horseback riding years ago.

“What started as a small ‘ski swap’ club has grown into a community-wide sports swap, offering all kinds of outdoor gear, from fishing gear to bikes, climbing gear to skateboards, and of course ski and snowboard equipment, said the ski club’s promotional material. It will include equipment, clothing and accessories.

The exchange includes new and used equipment from sellers as well as individuals. Suppliers include CP Sports North America, Ravens, Hamilton Sports, Incline Ski Shop, Performance Ski, Revel Bikes, MountainFLOW Eco-Wax, Sidewinder Sports, Slot, Snowmass Sports, Summit Canyon Mountaineering, Surefoot, Strafe and Vintage Ski World.

Each vendor donates 10% of their profits to AVSC after the event.

“This event has not been a huge source of revenue for the club, but covers our costs of hosting the event and serves as a winter kickoff celebration for the AVSC community and the Roaring Fork Valley,” Xanthe Demas, the club’s director of marketing and communications, said in an email.

AVSC staff members will be on hand to share program information, offer advice, and provide AVSW swag.

The Oct. 29 Aspen Ski Swap will benefit the school district‘s outdoor education program. Individuals and entities can drop off new and used equipment, clothing, and accessories at Aspen Middle School from 4 p.m. to 6 p.m. Friday, October 28. They can collect money and collect unsold items from 2:15 p.m. to 4 p.m. on Saturdays. October 29.

“Pick up merchandise tickets before dropping them off at Aspen Public Schools, Aspen Community School, and Alpine Bank Aspen, Snowmass, Basalt, and Willits,” the event’s Facebook page said.

Both events have a long history in Aspen. This will be the 67th annual Aspen Ski Swap, which was started by Trudi Barr and Pam Beck in 1955. The original idea was that families could swap gear their children had outgrown and pick up gear from other families that suited them.

Information in the archives of the Aspen Historical Society indicates that the AVSC exchange began in 1973 but did not occur on a continuous basis. It was dissolved for a period and rejuvenated.

Tom Moore, who was involved with the ski club in multiple roles from the 1960s and was chairman of the board for two years, recalled that in the 1970s there were often more buyers of equipment than sellers.

“Nobody changed their gear a lot,” Moore said.

As the region’s population grew, it became easier to trade, he added.

Diana Pachis awarded the One Tiger Heritage prize in Massillon


MASSILLON – Diana Pachis will be honored with the One Tiger Heritage Award on Saturday.

Pachis, a lifelong resident of Massillon and a graduate of Washington High School in 1969, took her community and its youngest residents under her wing working tirelessly to make the city of champions and more specifically the neighborhood of Walnut Hills a place where life is good.

One Tiger, a group aimed at supporting the youth of Massillon, awards the Lifetime Achievement Honor to individuals who dedicate decades of time and effort to improving their community and helping children.

Pachis will receive the award during a luncheon. Mayor Kathy Catazaro-Perry also proclaimed October 8 as Diana Pachis Day.

Diana Pachis: “I’m very humble.”

The 71-year-old was shocked to learn of the honour.

“I’m very humbled,” she said. “I don’t do it for the awards. I do it for any cause.”

Her passion has always been working with children.

In the late 1970s, Pachis worked at Franklin Elementary School in many capacities, from volunteer to housewife to paid employee.

“In the early 1980s, there were over 600 kids in Franklin. We had to put in a lot of programs,” she recalls. “We had softball and basketball games. We took the kids skating and fishing. We have organized many fundraisers.

After a decade in school, Pachis started working with the city’s parking enforcement. She was later transferred to the city’s sewer and waste department and remained there until her retirement in 2012.

She helped start the Walnut Hills Residents Association.

Over the years, she has given her time and effort to various organizations, boards and events.

In 1989, Pachis and Michele Radtke started the Walnut Hills Residents Association. The group aimed for the revival of neighborhood parks and looked after the safety and well-being of its residents.

“Crime was on the rise, Pachis said. “Mayor Frank Cichinnelli helped get community policing started with bike patrols and helped us get grants.”

His efforts helped improve the parks by adding a pavilion, walking path and new play equipment.

She has also helped organize a variety of popular events for the Walnut Hills community including a free basketball camp, book bag giveaways, fall festivals, Thanksgiving dinner baskets for people in need and Christmas parties.

Basketball camp will return this summer after a two-year hiatus due to COVID.

“Basketball camp is our biggest neighborhood response,” she explained. “It’s for kids who can’t afford to attend or can’t attend other camps.”

Massillon coaches and players help out during the week-long camp that helps build a child’s confidence, she said.

“It’s just been a great week,” Pachis said. We feed the children and there are prizes and awards. We just build the sports mindset to help them overcome their fears of participating and it’s a good mentorship program. We really like doing it.”

Everyone was welcome at her place.

While raising her three children – Kevin, Brian and Kimberly – with her high school sweetheart Aaron Pachis, she had an open door policy at her Walnut Hills home. Everyone was welcome.

She always made sure everyone was fed and had what they needed, including winter boots and coats.

“I wanted to teach them what they might not get at home. Manners, respect, love, self-care, hugs – that’s all kids want and really need,” she said. “There are people who don’t have a voice or think they can’t because of their social status. I want to become a voice for them. I’m passionate about how people treat each other everyone else. Everyone should be treated the same, no matter how much money you have or where you live.”

She sat on the Massillon Housing Council and as a liaison with the Massillon neighborhood association.

“She has always sought to represent those who do not always have a voice in resolving issues that impact their daily lives,” the mayor wrote in her proclamation.

Most recently, she partnered with One Tiger to identify the best locations in Walnut Hills to place One Tiger’s Obie book boxes.

A tiger :The organization aims to reach more children, Spanish-speaking readers, with new boxes of Obie books

John Lieberman, treasurer of One Tiger, praised Pachis for his activism.

“She helped a lot of underprivileged people, especially at Franklin Elementary School and around that area,” he said. “A lot of people have really been able to benefit from his efforts. He is just a person who gets involved, never says no and when he accepts an assignment, it is carried out in a qualitative way.”

Contact Amy at 330-775-1135 or [email protected]

On Twitter: @aknappINDE

NYSC DG Unveils Health Initiative for Rural Residents of FCT Community


By Folasade Akpan

The Executive Director of the National Youth Service Corps (NYSC), Brigadier General. Muhammad Fadah unveiled the Health Initiative For Rural Dwellers (HIRD) program in the Dakwo Community of the Federal Capital Territory (FCT)


Fadah said the initiative is in line with the cardinal point of his administration’s policy direction to deepen NYSC’s impact on rural development services.

According to him, HIRD was conceived more than eight years ago as a platform for the program to help provide easy access to healthcare for people in rural areas.

This, he said, was implemented through medical campaigns carried out in nooks and crannies of the country by the Corps medical personnel.

He added that the success of HIRD over the past eight years has been quite unprecedented while calling on members of the Dakwo community to come out in large numbers and benefit from it at no cost.

Fadah thanked stakeholders for their contributions and donations of drugs and other materials for awareness.

He, however, called on them to do more so that other communities in the interior can also benefit, as the NYSC remains resolute in its quest to make a positive impact.

In his remarks, NYSC FCT Coordinator Alhaji Abdul Suleiman thanked the medical staff of the corps for their selfless service to humanity as well as the people of Dakwo community for opening their community to awareness.

Suleiman said HIRD’s sustainability was non-negotiable because the program prioritized rural development.

In remarks, the Sarkin Dakwo community, Django Bangi thanked the NYSC for choosing his community for outreach and prayed for the continuation of the program.

The News Agency of Nigeria (NAN) reports that HIRD is characterized by medical diagnosis, treatment, referral, as well as community sensitization on disease prevention and management.

The News Agency of Nigeria (NAN) reports that the NYSC launched the initiative in 2014.

The body said more than two million people in rural areas have benefited from HIRD. (NOPE)

The conference aims to empower black and brown CT students


NEW HAVEN — A conference for black and brown students at Hamden and New Haven Public Schools sought to empower them and prepare them for responsible and successful adulthood.

Nearly 200 middle school students attended workshops at Southern Connecticut State University led by professionals on various topics such as the impact of a criminal record, the transition to high school, planning for a future career, sexual responsibilities and respect for femininity.

Superintendent of Hamden Schools Gary Highsmith said Tuesday’s 2nd Annual Black and Brown Men’s Empowerment Conference was important for young people in the area to get information to make good decisions in their lives .

“A lot of times in school we have to focus on reading, writing, math, science,” Highsmith said. “But it’s also important to have life lessons. It’s good to be around other students, maybe they don’t know it.

One of the life lessons the students learned on Tuesday came from criminal defense attorney Michael Jefferson, founder of the Kiyama movement, who encouraged them to lead lives free of violence.

“Leave the guns alone,” Jefferson said after sharing the story of a young client who accidentally shot his friend and was charged with manslaughter and facing jail time. “Understanding what it means for a family to lose a loved one.”

Jefferson also shared the story of another young client who was sentenced to 18 years in prison after an accident in a stolen car that injured a mother and her newborn baby.

Almost all of the students had raised their hands when Jefferson asked them if they liked vacationing with family and friends, cooking, and celebrating birthdays.

“Do you get the picture?” Eighteen years is a long time, Jefferson said. “It’s been 18 Christmases and summers since you’ve been with your family.”

Jefferson encouraged students to unfollow their friends because “most friends don’t care about you the way you think they do.”

Highsmith said that for eighth graders, social media is the most concerning aspect of their lives as they try to get on in a world where they are online all the time. And, they just went through a pandemic.

“These students are navigating through COVID-19, navigating a world of technology, and trying to grow, all at the same time,” Highsmith said. “So there are significant challenges that negatively impact their decision-making.”

As to whether the participants were considered “at-risk” youth, Highsmith said he couldn’t say for sure, but everyone in society is “at some type of risk.”

Nilvio Perez, Director of Freshman Admissions at SCSU, encouraged students to pursue higher education to build generational wealth.

“The more school you go to, the more degrees you can get, statistically speaking, the higher your average annual income will be,” Perez said. “But not only that: earning an advanced degree gives you a lot of leverage so you can make changes in your home communities.”

Police officials have previously said there has been a noticeable increase in violent youth crime in recent years, particularly at gas stations and convenience stores near the Hamden-New Haven line.

In terms of gun violence, Hamden recently witnessed two shootings about 30 minutes apart less than two weeks ago, leaving nearby residents feeling unsafe. In New Haven, police continue to seize firearms while saying ghost guns have become “a real concern.”

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Children’s physical activity has plummeted during the pandemic, but researchers are encouraged by more outdoor play


A new study attempts to quantify what many parents likely already know: dismal activity levels among children and young people have fallen further during the pandemic, while screen time has soared.

ParticipAction’s latest report card on physical activity gives children and youth a “D” for physical activity — down from “D-plus” in the 2020 report card.

At the same time, kids succumbed to more sedentary screen time, earning an “F” in that category, billed as “a significant decrease” from “D-plus” in 2020.

The 15th edition of the newsletter is based on data collected during the COVID-19 pandemic, a time that brought a sudden halt to play dates, sports activities and gym classes for many children.

For the third time in a row, the ParticipAction report card gave children and youth an overall grade of “F,” which takes into account physical activity, screen time and sleep recommendations.

ParticipAction’s scientific director, Dr. Leigh Vanderloo, attributes the pushback largely to the fallout from sweeping infection control measures introduced in the spring of 2020.

But she also points to encouraging signs that many families have discovered a new zeal for outdoor activities during the pandemic, suggesting that if enthusiasm for the outdoors continues as sports and education classes resume physical, the grades could go up again.

“I think it’s going to serve more as a blow,” Vanderloo said of how the data will be visualized alongside past and future bulletins.

“There was this invigoration to spend time outdoors. We saw it with camping sign-ups, park usage – some of them were off the charts, they’ve never seen so many [demand among] people who want to get outside,” she said. “Partly because there weren’t a lot of options, but hopefully that will continue.

The public’s embrace of parks, trails and other outdoor spaces for family entertainment and exercise helped this year’s rating for household support for physical activity remain a C, while active transport improved to a C– and active play improved to a D–, from F .

Greater difficulty may be found in reversing the surge in screen use, Vanderloo said, noting that school closures have forced children to use laptops and computers to continue their education while Physical distancing rules have increased social media and screen entertainment instead of face-to-face friend time.

Add to that the lure of TikTok and new pandemic-era social media stars – not to mention the likelihood that parents have also increased screen time – and the challenge of detaching young people from their devices becomes particularly difficult, Vanderloo said.

Harm reduction strategies probably won’t work now, she suggests, calling the tactic a “finger approach” that emphasizes the harmful effects of screen use.

“I don’t think it’s beneficial,” Vanderloo said, believing people will continue to use screens more than they should.

A more effective strategy might be to involve the whole family in assessing screen use and finding alternative activities to replace that sedentary time, she said.

“We know kids are going to, we know families are going to use screens for entertainment, to stay in touch with loved ones, or even to learn things,” she said.

“So how can we make sure that while we’re using screens, we’re trying to do so in the healthiest and most responsible way possible? Are there discussions? Is it co-watching with the kids? Is it designating screen-free areas within the house, like maybe not at dinner time and not in the bedroom?

Opportunities to be active are not equal

It’s also important to look at the social determinants of health, including income, education and geography to understand how they affect a healthy lifestyle, Vanderloo added.

For the first time, the report card looked at levels of well-being among girls, immigrants, Indigenous people, and LGBTQ and racialized youth, acknowledging that the pandemic has exacerbated health inequalities that previously existed.

It found that increases in time spent outdoors were more likely for children from higher-income families, while car-free streets were generally in areas that had fewer visible minorities, as well as fewer households with children.

That’s partly because racialized children and newcomers to Canada often live in more crowded and disadvantaged neighborhoods, said Dr. Anna Banerji, a pediatrician at the University of Toronto’s Dalla Lana School of Public Health.

“It’s not easy to create that space when you have more population density,” Banerji, who was not involved in the report, told CBC News.

Getting to another part of town where there are open spaces for physical activity is also difficult when people don’t have a car or can’t afford a bike, he said. she declared.

The newsletter is a synthesis of national-level articles and surveys, but data on marginalized groups is lacking, according to the study, underscoring the need for researchers to fill the void.

“If we don’t have a baseline, how can we help support and really identify what their needs are?” said Vanderloo. “If we’re planning to move the needle, we need to know. I think I was surprised at how little we knew.”

Marginalized children and youth already faced barriers to physical activity and recreation before the pandemic, Banerji said, such as the cost of sports equipment.

Programs that waive fees and loan sports equipment are needed to help address this issue, as well as to ensure that communities have public facilities where children and young people can play, she said.

BOB imposes ‘heavy penalties’ on prepayments of construction loans


• Aims to make remortgage “very expensive”

• Bank manager: too many people use him for the “relay”

• Needs to find “crème de la crème” customers


Editor-in-chief of the Tribune

[email protected]

The Bank of The Bahamas imposes “heavy prepayment penalties” on construction mortgages in an effort to deter borrowers from treating such loans as a “bridging” facility to its detriment.

Kenrick Brathwaite, managing director of the BISX-listed institution, told Tribune Business that the policy was imposed “a few months ago” to make it very expensive for such borrowers to remortgage with a rival bank. as soon as the property in question has been completed.

He argued that such a decision was unfair to the original lender, who assumes the higher risk associated with financing new construction only to have its facility paid off sooner, while the borrower generally benefits from a lower interest rate. interest lower and higher after the mortgage. The bank taking over the loan also benefits from the lower risk associated with a completed property that has now appreciated in value.

“We have measures in place to try to stop the erosion of the portfolio and to try to get some growth over the next financial year, Mr Brathwaite told this newspaper, after the gross residential mortgage portfolio of the Bank of The Bahamas has declined. by 7% or more than $14 million in the year to the end of June 2022. “These are the easiest to try and fix.

The portfolio grew from $201.974 million at the end of June 2021 to $187.679 million some 12 months later. The post-COVID spike in building materials and construction costs has seen many commercial banks move away from issuing fixed-price mortgages for new builds, particularly as it is impossible to accurately determine the amount required.

Mr Brathwaite added that this reluctance has been compounded by the growing tendency for construction mortgage borrowers to instantly seek to refinance such loans with a rival financial institution immediately after completion in a bid to obtain more favorable terms and reduce debt service charges.

Some may view the imposition of penalties to deter such behavior as anti-consumer and a restriction of trade/competition, but commercial banks view construction mortgages as long-term lending assets that must be come with deposit liabilities to ensure they generate returns and remain solvent. Borrowers treating these loans as short-term bridge loans do not meet this requirement.

“I think the mortgage market has its own challenges. Some banks do not even grant a mortgage on the construction. If you want a construction mortgage, you will find that many banks have heavy prepayment clauses,” Mr Brathwaite told Tribune Business.

“Some people go to a bank and say another said no to a construction mortgage. They come to the Bank of The Bahamas, for example, get a construction mortgage, and when the building is mostly finished, go to the previous bank to pay it back.

“To control that, we have to impose heavy prepayment penalties so that if they try to move it, it will cost them a lot of money plus legal fees. The mortgage construction phase is a high-risk phase. You you have the ability to increase charges, you have the ability to increase import common costs, you have labor shortage issues, and you have bad weather issues,” he added. .

“That’s why construction mortgages are extremely high risk and therefore carry a higher rate. But, if you can pay off the mortgage, you can lower that rate by 50 basis points and you’ll be fine. Mr Brathwaite said that in addition to reducing their risk, borrowers who refinance construction mortgages early also gain a greater “equity position” in a finished property that is now “better worth” than at the start of the work.

“We started this a few months ago,” the head of the Bank of the Bahamas said of the penalties for early refinancing. “Some people have provided information, saying that was always the intention and then wanting us to waive the penalty clause. We’re saying we won’t waive the penalty clause; that’s what protects our mortgage for the future.

Mr Brathwaite, meanwhile, said allowing the Central Bank to restart commercial lending – a segment it has been banned from since 2014 after it nearly caused the bank to collapse – was key to rolling out its 179.226 million dollars in cash and Central Bank deposits for more productive operations. , higher yields.

This figure equates to more than 18% of the total assets of Bank of The Bahamas at the end of June 2022, with some $165.309 million – or 92.2% – of this sum held in non-interest bearing accounts at the Bank. central. This amount does not include the $27.23 million statutory reserve held by the regulator.

“You hit the nail on the head. This is exactly one of the reasons why we want to start commercial lending, because it will eat up some of the liquidity in the system,” Mr Brathwaite said. “Not all commercial banks in the Bahamas are willing to provide commercial loans, especially to small businesses. It’s definitely a space where we can operate and use some of that excess cash.

Noting that the Bank of The Bahamas and other Bahamian commercial banks had “taken the lead last year” when it came to covering COVID-related loan losses and deferrals, he added that all were showing now a higher or significant profitability.

Mr Brathwaite, saying he was ‘keeping his fingers crossed for better’ with profit for the 2023 financial year surpassing last year’s $11.218 million, said: ‘We are on the right track. Once we have structures in place and create consistent revenue streams, I think we will be fine for this year.

“We’re really going to focus on our mortgage portfolio. We will certainly do campaigns. We have reduced interest rates more according to the market. We will try to operate more efficiently in the area of ​​mortgages. We don’t have that kind of appetite for all mortgages. Mind you, if you look at delinquent mortgages and repossessed homes, you at least know what the market looks like.

“It’s not that easy to find these exceptional low-risk borrowers, but we have to do these things to attract the crème de la crème. I think the other banks have definitely gotten into this, and now we’re just catching up. »

UN accuses Bangladesh of cracking down on environmental activism | Environment News


The UN says the Digital Security Act is being used to punish critics of the government, including its environmental policies.

Dhaka, Bangladesh- Environmental activist Shahnewaz Chowdhury is currently out on bail. The 37-year-old was arrested in May under the Digital Security Act (DSA) for a Facebook post expressing concerns about a coal-fired power project in Banshkhali, southeastern Bangladesh.

Chowdhury, from Gandamara in Banshkhali, had called on young people to ‘stand up to injustice’ as he feared the impact of the ‘environmentally destructive factory’. He was charged with publishing “false and offensive” information and creating “chaos”, under the DSA.

“We demanded an eco-friendly factory that will benefit the community and not harm the environment, and because I wrote about this issue I was arrested under the Digital Security Act and I had to go to jail for 80 days,” said Chowdhury, who could face up to 10 years in prison if convicted of the offenses he is charged with under the law, which defense organizations rights have been described as “draconian”.

The maximum sentence provided by law is 14 years.

Prime Minister Shiekh Hasina’s government defended the law, saying it was necessary to maintain order.

The government’s plan to commission a coal-fired power plant in the country’s environmentally fragile areas has been the subject of protests. At least 12 workers and locals have been killed in the past six years by police fire during protests against the Banshkhali factory.

Demonstrations also took place against another large coal-fired power plant in the southwestern region of Rampal, near the Sundarbans, the largest mangrove forest in the world.

The protests prompted the government to label some activists as “terrorists” after the DSA was enacted in 2018.

“End bullying”

The law provides for a prison term of up to 14 years for anyone who secretly records government officials or collects information from a government agency using a computer or other digital device. It also provides similar penalties for people who spread “negative propaganda” about the country’s 1971 war of independence and its founding leader Sheikh Mujibur Rahman – father of Prime Minister Hasina.

Critics say the provision allows police to arrest journalists and confiscate their equipment without a court order, prompting the United Nations to accuse Bangladesh of using the law to crack down on environmental activism. He called on the authorities to change the law and stop using it to arrest people.

During a visit to Bangladesh last month, the UN special rapporteur on human rights and climate change, Ian Fry, called for an end to the harassment of climate change activists.

“Various human rights bodies, including the UN, have long raised concerns about broad and ill-defined provisions of the Digital Security Act that have been used to punish government critics. “Fry said.

“The harassment, threats and intimidation against human rights defenders and indigenous climate change peoples must stop, Fry said at a press conference on Thursday.

“The Digital Security Act needs to be changed so that human rights defenders and climate change indigenous peoples are not caught up in a huge definitional problem related to terrorism. These people are not terrorists.

The DSA has also been criticized by rights organizations such as Human Rights Watch, which said authorities used it to harass and indefinitely detain journalists and other government critics.

Former UN human rights chief Michelle Bachelet has called for an “overhaul” of the DSA in the past.

More than 1,000 people have been detained under the DSA, according to local media figures.

“What we are seeing now is that some of the government offices are helping companies harass environmental activists,” said environmental lawyer Rizwana Hasan.

“We see that government agencies are also taking the initiative to officially criminalize environmental defenders,” Hasan told Al Jazeera.

Bangladesh Justice Minister Anisul Huq said in an interview with Al Jazeera late last year that the DSA Act would be reviewed and amended.



FORT WALTON BEACH, Florida – The Florida Department of Health in Okaloosa County (DOH-Okaloosa) and Tobacco Free Florida recognizes Eglin AFB Youth Center for updating its smoking prevention policy to include e-cigarettes and vaping . The current policy update was adopted on July 14.

Current policy prohibits youth, staff, parents and visitors from possessing, using, consuming, displaying, promoting or selling tobacco products. The update was made to include electronic nicotine delivery systems, tobacco-related devices, imitation tobacco products and lighters. Tobacco prevention resources were also provided to youth and parents.

The teenage brain is still developing. The brain continues to develop until about age 25, and the developing brain is more vulnerable to the effects of nicotine, including reduced impulse control, attention and cognition deficits, and impaired mood.[1] Smoke-free policies can help reduce the likelihood of smoking in adulthood. Nicotine use in adolescence may also increase the risk of future addiction to other drugs.[2]

Eglin AFB Youth Center is a partner of Healthy Okaloosa Summer Care. Through this partnership, Eglin AFB Youth Center and DOH-Okaloosa have worked together to educate youth and parents on the update to continue the tobacco prevention effort. DOH-Okaloosa and Tobacco Free Florida hope to help more places in Okaloosa County adopt smoke-free policies to ensure a healthier community.

If your place of business or residential community is interested in becoming tobacco-free or would like to learn more, please contact your local Florida tobacco-free representative at [email protected]

For more information on quitting smoking, please visit www.TobaccoFreeFlorida.com. People can also access Tobacco Free Florida’s online cost calculator to find out how much money they could save by quitting smoking at www.tobaccofreeflorida.com/calculator.

About the Florida Department of Health

The Florida Department of Health, nationally accredited by the Public Health Accreditation Councilstrives to protect, promote and improve the health of all Florida residents through integrated state, county and community efforts.

follow us on Facebook, instagram and Twitter at @HealthyFla. For more information about the Florida Department of Health, please visit www.FloridaHealth.gov.

About tobacco-free Florida

The department’s Tobacco Free Florida Campaign is a statewide cessation and prevention campaign funded by the Florida Tobacco Settlement Fund. Since the program began in 2007, more than 254,000 Floridians have successfully quit using one of Tobacco Free Florida’s free tools and services. There are now about 451,000 fewer adult smokers in Florida than 10 years ago, and the state has saved $17.7 billion in health care costs. To learn more about Tobacco Free Florida’s Quit Your Way services, visit www.tobaccofreeflorida.com or follow the campaign on Facebook at www.facebook.com/TobaccoFreeFlorida or on Twitter at www.twitter.com/tobaccofreefla.


1 US Department of Health and Human Services. E-cigarette use among youth and young adults. A report from the medical general. Atlanta, Georgia: US Department of Health and Human Services, Centers for Disease Control and Prevention, National Center for Chronic Disease Prevention and Health Promotion, Office on Smoking and Health, 2016. (Accessed February 3, 2021)

[2] US Department of Health and Human Services. E-cigarette use among youth and young adults. A report from the medical general. Atlanta, Georgia: US Department of Health and Human Services, Centers for Disease Control and Prevention, National Center for Chronic Disease Prevention and Health Promotion, Office on Smoking and Health, 2016. (Accessed February 3, 2021)

CHESLA expands access to student loans » CBIA


The Connecticut Higher Education Supplemental Loan Authority can now use excess funds to support people who want to pursue “high value” certificate programs.

Legislation approved by the General Assembly this year expands loan eligibility from October 1, 2022 to include the term “post-secondary education programmes” under the responsibility of CHESLA’s funding arm.

Previously, the law only allowed CHESLA to support those seeking “college” post-secondary education opportunities.

The CFIA strongly supported this bill, noting that post-secondary education has taken on a different meaning in recent years.


The average student graduating with debt in Connecticut owes $41,579, the highest debt load in the country, according to the date compiled by LendEDU.

While the CBIA continues to encourage students to pursue education at traditional post-secondary institutions, many companies see the value in short-term certificate programs.

Programming often provides students with the skills needed to succeed in various industries.

The average student graduating with debt in Connecticut owes $41,579.

Certificate programs such as those offered by Google, IBM, Amazon and many others provide credentials at a lower cost and open the door to new opportunities.

Despite the low cost of enrolling in the programs, many students still face financial barriers to paying other costs associated with completing their courses.

Some are unable to find funds for a laptop computer for an online course, reliable high-speed Internet access, or transportation.

The CBIA supports efforts to make post-secondary education more affordable and accessible, in the form that best suits the individual to help them achieve economic independence.



New Virtual+ membership model is the only in-person and digital health and fitness option

TACOMA, Wash., October 1, 2022 /PRNewswire/ — Ending the battle between an in-person or digital-only fitness membership, the YMCA of pierce and kitsap Counties (YMCAPKC) now offers Virtual+. The new membership is $25 per month and offers people the ability to train and learn anywhere with full access to YMCA360, plus one visit per month to one of its nine state-of-the-art facilities with state-of-the-art equipment, classes group exercises and expansive aquatic centers for a richer health and wellness experience.

“Virtual+ opens a door to fitness and wellness for people who may have a digital-only fitness subscription, who may not feel comfortable leaving home, who may exercise solo or who may feel intimidated in the gym,” said Charlie Davis, President and CEO, YMCAPKC. “It gives them the chance to take ownership of their health journey, wherever they are, and have the ability to connect to a safe and inclusive community whenever they choose.”

YMCA360 is an app available to all full YMCAPKC members. With live and on-demand lessons in 4K Ultra HD, new content is released weekly by YMCAs across the country with accessible and fun instructors. YMCA360 offers thousands of diverse classes ranging from yoga, HIIT and barre to youth sports, arts and cooking. Members can follow programs designed to target different fitness components or complete entire collections to catalyze progress towards their goals. YMCA360 integrates with Apple TV, Roku, androidtv, iPhone and iPad.

More information about Virtual+ is available online at ymcapkc.org.

About the YMCA of pierce and kitsap Counties

Driven by its founding mission, the Y has served as a leading nonprofit committed to building community. Since 1883, the YMCA of Pierce Kitsap Counties has worked to empower everyone, no matter who they are or where they come from, by ensuring access to resources, relationships and opportunities for all to learn, grow and flourish. By bringing together people from different backgrounds, perspectives and generations, the Y’s goal is to improve overall health and well-being, inspire youth empowerment and demonstrate the importance of connections in and between our communities.

View original content to download multimedia: https://www.prnewswire.com/news-releases/ymca-of-pierce-and-kitsap-counties-launches-virtual-and-new-standard-of-hybrid-wellness -301638107.html

THE SOURCE Young men Christian Association of pierce and Kitsap County

Free books for children, support for student-athletes and creative expression


Governor Newsom makes final decision for 2022 legislative session
SACRAMENTO – Governor Gavin Newsom took action today on final bills for the 2021-22 legislative session, including measures that will provide free books to younger Californians every month, stifle creative expression like rap lyrics from being inappropriately used as evidence in criminal cases, and allowing student-athletes training for the Olympics in California to qualify for in-state tuition.

Governor Newsom signed SB 1183 through Sen. Shannon Grove (R-Bakersfield), expanding Dolly Parton’s Imagination Library Program to children across the state. As part of the initiative, launched to inspire a love of reading from an early age, Californian children under the age of five will be able to sign up for the program to receive a free book each month via a direct mail program at from June 2023.

Click here to watch the first partner’s message on the Dolly Parton Imagination Library

Joined virtually by award-winning rappers, record producers and recording industry executives, Governor Newsom signed AB 2799 by Assemblyman Reginald Byron Jones-Sawyer, Sr. (D-Los Angeles), a nation’s first bill that limits the use of creative expression like rap lyrics as evidence in criminal cases to protect against bias.

Governor signs AB 2799 joined by Meek Mill, Assemblyman Jones-Sawyer, Records Executive Kevin Liles, Ty Dolla $ign, E-40, YG, Killer Mike, Recording Academy CEO Harvey Jay Mason Jr., Too $hort and TYGA
In a virtual ceremony, Governor Newsom signed AB 2747 by Assemblyman Adrin Nazarian (D-North Hollywood), which will return Olympians, Paralympians and elite Olympic hopefuls training in California eligible for in-state tuition.

Governor signs AB 2747 joined by Olympic Gold Medalist Kristi Yamaguchi, Student Athletes and Advocates, LA28 President Casey Wasserman, LA28 Athlete Director and Olympic Gold Medalist Janet Evans and Member of the Nazarian Assembly
A full list of bills the governor has signed into law is below:

  • AB 30 by Assemblyman Ash Kalra (D-San Jose) – Fair Outdoor Access Act.
  • AB 512 by Assemblyman Chris Holden (D-Pasadena) – State Roads: Abandonment: Infrastructural Barriers.
  • AB 547 by Assemblyman Kevin McCarty (D-Sacramento) – Domestic Violence: Victims’ Rights.
  • AB 775 by Assemblyman Marc Berman (D-Menlo Park) – Contribution requirements: recurring contributions.
  • AB 1164 by Assemblyman Heath Flora (R-Ripon) – Dams and Reservoirs: Exclusions: State Owned or Operated Regulating Ponds.
  • AB 1355 by Assemblyman Marc Levine (D-Marin County) – Public Human Services: Hearings.
  • AB 1406 by Assemblyman Tom Lackey (R-Palmdale) – Law Enforcement Policies: Wearing Equipment.
  • AB 1426 by Assemblyman Devon Mathis (R-Porterville) – California Advanced Services Fund: Broadband Adoption Account.
  • AB 1432 by Assemblyman Evan Low (D-Campbell) – LGBTQ+ Pride Month.
  • AB 1445 by Assemblyman Marc Levine (D-Marin County) – Planning and Zoning: Regional Allocation of Housing Needs: Impacts of Climate Change.
  • AB 1613 by Assemblyman Jacqui Irwin (D-Thousand Oaks) – Flight: Skill.
  • AB 1637 by Assemblyman Jim Cooper (D-Elk Grove) – Criminal Exploitation: Forfeiture of Assets: Unemployment Insurance and Disability Fraud.
  • AB 1780 by Assemblyman Phillip Chen (R-Yorba Linda) – Corporations: shareholder meetings: remote communication.
  • AB 1800 by Assemblyman Evan Low (D-Campbell) – Driver’s License: Bone Marrow and Blood Stem Cell Registry.
  • AB 1863 by Assemblyman Jacqui Irwin (D-Thousand Oaks) – Income Tax: CalFile: Online Tax Filing: Volunteer Income Tax Assistance.
  • AB 1899 by Assemblyman Devon Mathis (R-Porterville) – Crimes: false personification.
  • AB 2098 by Assemblyman Evan Low (D-Campbell) – Physicians and surgeons: unprofessional conduct. A signature message can be found here.
  • AB 2107 by Assemblyman Heath Flora (R-Ripon) – Clinical Laboratory Tests.
  • AB 2147 by Assemblyman Philip Ting (D-San Francisco) – Pedestrians.
  • AB 2194 by Assemblyman Christopher Ward (D-San Diego) – Pharmacists and Pharmacy Technicians: Continuing Education: Cultural Competence.
  • AB 2229 by Assembly Member Luz Rivas (D-Arleta) – Peace Officers: Minimum Standards: Assessing Bias.
  • AB 2275 by Assemblyman Jim Wood (D-Santa Rosa) – Mental Health: Involuntary Commitment.
  • AB 2301 by Assemblyman Jim Wood (D-Santa Rosa) – Alcoholic Beverage Sales: Beer Makers: Licensed Premises.
  • AB 2307 by Congressman Marc Berman (D-Menlo Park) – Alcoholic Beverages: Beer Manufacturers: Branches.
  • AB 2319 by Assemblywoman Mia Bonta (D-Oakland) – Excess Land: Land of the former military base.
  • AB 2344 by Assembly Member Laura Friedman (D-Glendale) – Wildlife Connectivity: Transportation Projects.
  • AB 2424 by Assembly Member Blanca Rubio (D-Baldwin Park) – Credit Service Organizations.
  • AB 2436 by Assembly Member Rebecca Bauer-Kahan (D-Orinda) – Death certificates: content.
  • AB 2466 by Assembly Member Sabrina Cervantes (D-Riverside) – Foster children.
  • AB 2526 by Assemblyman Jim Cooper (D-Elk Grove) – Incarcerated Persons: Medical Records.
  • AB 2594 by Assemblyman Philip Ting (D-San Francisco) – Vehicle Registration and Toll Charges.
  • AB 2629 by Assemblyman Miguel Santiago (D-Los Angeles) – Miners: layoffs.
  • AB 2647 by Assemblyman Marc Levine (D-Marin County) – Local government: public meetings.
  • AB 2747 by Assemblyman Adrin Nazarian (D-North Hollywood) – Public Post-Secondary Education: Tuition and Fees: Team USA Student Athletes.
  • AB 2799 by Assemblyman Reginald Byron Jones-Sawyer, Sr. (D-Los Angeles) – Proof: Creative Expression Eligibility.
  • AB 2870 by Assemblyman Miguel Santiago (D-Los Angeles) – Firearms: Gun Violence Restraining Orders.
  • AB 2872 by Assemblyman Dr. Akilah Weber (D-San Diego) – Domestic Violence: Victims: Privacy of Address.
  • AB 2880 by Assemblyman Mia Bonta (D-Oakland) – Taxation: Credits: College Access Tax Credit.
  • SB 38 by Sen. Bob Wieckowski (D-Fremont) – Beverage containers.
  • SB 216 by Sen. Bill Dodd (D-Napa) – Contractors: Workers’ Compensation Insurance: Mandatory Coverage.
  • SB 233 by Sen. Thomas Umberg (D-Santa Ana) — Civil Actions: Telephone appearance.
  • SB 298 by Sen. Bill Dodd (D-Napa) – Brewery-Restaurant Licenses: Bona Fide Public Restaurant License.
  • SB 307 by Sen. Mike McGuire (D-Healdsburg) – Great Redwood Trail Agency: Humboldt County: State Funds: Compatible Offices.
  • SB 467 by Sen. Scott Wiener (D-San Francisco) – Expert Witnesses: Writ of Habeas Corpus.
  • SB 644 by Sen. Connie Leyva (D-Chino) – Health Care Coverage Awareness. A signature message can be found here.
  • SB 656 by Senator Susan Talamantes Eggman (D-Stockton) – Stockton-East Water District: Water rates.
  • SB 858 by Sen. Scott Wiener (D-San Francisco) – Health Care Service Plans: Discipline: Civil Penalties.
  • SB 863 by Sen. Dave Min (D-Irvine) – Domestic Violence: Death Review Teams.
  • SB 922 by Sen. Scott Wiener (D-San Francisco) – California Environmental Quality Act: Exemptions: Transportation-Related Projects.
  • SB 942 by Sen. Josh Newman (D-Fullerton) – Low-Carbon Transit Operations Program: Free or reduced fare public transit program.
  • SB 975 by Sen. Dave Min (D-Irvine) – Debt: Constrained debts.
  • SB 1029 by Senator Melissa Hurtado (D-Sanger) – One Health Program: Zoonotic Diseases.
  • SB 1046 by Senator Susan Talamantes Eggman (D-Stockton) – Solid Waste: Pre-screening and take-out bags.
  • SB 1183 by Sen. Shannon Grove (R-Bakersfield) – The California State Library: Statewide Imaginative Library Program.
  • SB 1184 by Sen. Dave Cortese (D-San Jose) – Medical Information Privacy Act: School-Related Services Coordinators.
  • SB 1228 by Sen. Scott Wiener (D-San Francisco) – Criminal procedure: DNA samples.
  • SB 1384 by Sen. Dave Min (D-Irvine) – Firearms: Dealer Requirements.
  • SB 1394 by Senator Susan Talamantes Eggman (D-Stockton) – Guardianships: Severely Disabled.
  • SB 1425 by Sen. Henry Stern (D-Los Angeles) – Open Space Element: Updates.
  • SB 1500 by the Board of Health – Public Health: Federal Regulation.

For the full text of the bills, visit: http://leginfo.legislature.ca.gov.

# # #

Global Green Economy discusses the role of young people in climate change


The United Nations recognizes the key role that young people play in the fight against climate change and works closely with youth-led organizations to empower them and participate in decision-making processes on climate change. climate change policy.

Instead, on the second day of World Green Economy Summit (WGES) in Dubai presented different round tables with experts and opinion leaders to discuss the importance of ysouth in the climate action implemented and the solutions needed to reach the UAE nand-zero in 2050.

More than 150 young people from across the region took part in the conference, in addition to 30 expert, specialist and VIP speakers. The two-day conference covered a range of topics related to developing youth skills in global climate policies, ways to empower them, make their voices heard in climate action policies and the role of government in supporting them. .

The topic of the panel – “How youth activism is moving the needle on climate change”, discussed ways to empower young people to play an influential role in building a sustainable future, accelerating transition to renewable energy and create positive change in society. A public-led public debate showed how the next generation is mobilizing as a collective entity and voice and how to effectively harness the potential of young people to tackle global sustainability issues.

Speakers participating in the session praised DEWA’s efforts to actively engage young people in achieving the Sustainable Development Goals and convert them into promising programs.

Aysha Mohammad Alremeithi, Youth Council Chair and Deputy Director of Innovation Ecosystem – Solar Innovation Hub, DEWA said, “With the support of senior management, the DEWA Youth Council strives to provide a motivating positive environment that helps unleash the energies and abilities of young people to be a major supporter of DEWA’s excellence and leadership.The Council also builds bridges of communication with other youth councils across the United Arab Emirates to raise awareness of the role of clean and renewable energy in achieving sustainable development.

Saeed Mohammed Al Tayer, Vice Chairman of Dubai Supreme Energy Council, MD and CEO of DEWA and Chairman of WGEO said, “Inspired by the vision and direction of our wise leadership to empower young people and involve them in decision-making and sustainable development. development efforts, DEWA believes in the central role of young people in national work, especially in climate action. This supports the ambitious UAE Centenary Goals 2071; the Dubai Clean Energy Strategy 2050 and the Dubai Net Zero Carbon Emissions Strategy 2050 to supply 100% of Dubai’s total electricity capacity from clean energy sources by 2050.

Al Tayer also explained that DEWA is one of the largest government organizations keen to recruit, qualify and develop the national caliber of young people. The number of young employees at DEWA is 3,464, which represents 30.9% of the total number of employees.

“DEWA strives to invest in the potential of young people and provide an interactive forum to empower and engage them in anticipating and shaping the future and in achieving sustainable development. DEWA highly values ​​the support of its Youth Council and its role in building bridges of communication with other youth councils across the UAE,” Al Tayer concluded.

The 8th World Green Economy Summit (WGES) was organized by the Dubai Electricity and Water Authority (DEWA), the World Green Economy Organization (WGEO) and the Supreme Council Dubai Energy, in collaboration with several international organizations. The Summit brought together experts, officials and ministers from several countries to advance the global sustainable development agenda.

Some other major topics covered on the second day were; Dubai’s net zero strategy, sustainability in the Kingdom of Bahrain, the adoption of hydrogen as the fuel of the future. The session also saw the launch of a landmark new study on hydrogen industry priorities, building on the UAE-UK collaboration on clean hydrogen.

New report from Alberta Child and Youth Advocate details ‘alarming’ deaths of 15 youths


Many young people with complex needs do not receive adequate support and this must be rectified

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The deaths of 15 young people over a six-month period is “extremely distressing,” says Alberta’s Child and Youth Advocate in a new report.

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The report, released Wednesday by Terri Pelton, stresses the need for ‘urgent action’ to close gaps in service provision following the deaths of 15 young people aged 6-19. Seven.

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Twelve youth were receiving child intervention services at the time of their death and three within the previous two years.

According to the report, many children and young people had complex needs that required cross-system support and, in some circumstances, services did not meet their needs or were unavailable.

“Many young people with complex needs do not receive adequate support and this must be rectified,” Pelton said in a press release. “We recognize that promising new initiatives are being developed; however, in the meantime, we need immediate action to close these service gaps and create better outcomes for these children and youth.

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  1. Outgoing Child and Youth Advocate Del Graff, left, with new Child and Youth Advocate Terri Pelton at the Alberta Legislature on Tuesday, April 5, 2022.

    Alberta’s new child and youth advocate sworn in

  2. Del Graff, Alberta Child and Youth Advocate.

    Alberta Child and Youth Advocate Final Report Calls for More Accountability and Coordination in Face of Rising Deaths


One of the 15 children whose deaths are described in the report is six-year-old Rodney (all names are pseudonyms for confidentiality reasons). He is described as a loving and kind “little gentleman”. He loved to ride horses and wanted to be a cowboy and a firefighter when he grew up. Growing up, he witnessed escalating domestic violence, parental substance use, and mental health issues.

The worker found that at times his basic needs were not being met and his family had had a number of brief contacts with child intervention services. As a result, Rodney often stayed with relatives.

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During a family visit to their First Nations community, Rodney died in a house fire.


Gemma is described as a kind and confident First Nations transgender woman who loved fashion, modeling and makeup. She began to openly identify as a woman when she was 12 years old.

She was placed in a group home for four years. While there, the lawyer found that group care staff agreed but continued to use male pronouns to refer to her. She was later moved to another group home in her First Nations community.

A week after her 18th birthday, Gemma overdosed. She died in hospital with her family by her side.


Pelton recommends that the departments of Health, Education, Children’s Services, Community and Social Services, and Justice and the Solicitor General “develop and report publicly on a coordinated action plan to fill gaps in services for young people with complex needs while longer-term initiatives are being developed.”

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The plan should also include targets and milestones that meet the immediate needs of young people.

The Child and Youth Advocate also recommended that the province develop and implement an opioid and substance use strategy for youth. To date, no progress on the recommendation has been made, Pelton said.

In a statement, Children’s Services spokesman Dan Laville said the ministry will work with partners to review the advocate’s latest recommendation, while longer-term initiatives remain under development.

Laville added that several initiatives are underway to improve access for youth and young adults to mental health and addictions services, including new funding and a partnership between Children’s Services, Alberta Health and Alberta Health. Services to expand virtual opioid addiction program.

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He added that opioid and substance use training is mandatory for child intervention practitioners.

“With an increase in opioid and substance use, we recognized the need to provide staff training that focuses on the appropriate responses and the tools they need,” Laville said. “We will not stop in our work to make a meaningful difference. We are committed to continually improving our system to support the safety and well-being of children who receive child intervention services.

However, opposition NDP child services critic Rakhi Pancholi said there was no reason the UCP government had not heeded the call for a opioid and substance use strategy to date.

“This distracted government is costing children and young people their lives, and we need someone focused on taking these important recommendations seriously,” Pancholi said in a statement.

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South West Culture Directors Gather in Ogun for Fashion Week — Nigeria — The Guardian Nigeria News – Nigeria and World News


Directors of culture from all Yoruba-speaking states will gather tomorrow in Abeokuta, the capital of Ogun State, to deliberate on the upcoming celebration of Yoruba fashion culture in the region and its trade exhibition titled ” Ile Kaaro Oojiire Fashion Week” scheduled for the last quarter of this year.

With the motto: “From Farm to Fashion”, the week-long activities are organized by the Yoruba World Centre, in collaboration with the Government of Ogun State, to educate, demonstrate and exhibit the arts of Yoruba fashion and hidden investment opportunities. in its process to national and international audiences. It is primarily designed for youth development and women empowerment.

This is a week of Yoruba fashion history, as packaged by Crystalline World Heritage, where a demonstration will start from the planting and harvesting of cotton, the process of turning cotton into yarn ( squeaky), from where distributors and fabric retailers sell to the public before arriving at designers for different styles.

Ogun State Commissioner for Culture and Tourism, Ms Motunrayo Adijat Adeleye Oladapo, who is to host the directors, reiterated the importance of the program saying, “It is one of the best ways to helping youth and empowering women, as well as fostering investment relationships nationally and internationally.

Project director Akinwale Atepe, who spoke on behalf of the Yoruba Centre, said the week-long activities would resemble a carnival as the culture ministries of Ekiti, Lagos, Ogun, Ondo, Osun and Oyo are preparing their cultural troupes. for the special event.

“I visited most states, met commissioners, permanent secretaries and directors. We are all prepared for the meeting from where the ball will be launched because it is during this meeting that the date between the end of November and the beginning of December will be chosen for the program, ”said the director.

Weyburn Police are investigating threats and ‘car searches’ by youths


Weyburn Police responded to 107 calls for service from September 19-25 and laid 25 charges, 18 of them under the Road Safety Act.

WEYBURN – The Weyburn Police Service (WPS) had a busy week responding to 107 calls for service in the period September 19-25, resulting in a total of 25 charges. Of the charges, five were laid under the Criminal Code of Canada, 18 under the Highway Safety Act (TSA) and two under the Vehicle Equipment Regulations (VER).

The majority of charges over the past week were related to trafficking, with 20 of the week’s 25 charges falling under either the TSA or the VER. Of the 20 traffic-related charges, eight were issued to drivers who exceeded the speed limit and seven to drivers who operated a vehicle without a valid driver’s license or valid registration on the vehicle they were driving.

An adult man is facing a criminal charge of uttering threats to cause harm following an investigation in which an adult woman expressed concerns for his safety. Weyburn Police Service has requested assistance from another police service as the man does not reside in Weyburn.

Officers responded to a reported “car search” in which the owner, alerted by the barking of his dogs, looked out the window and observed a youth searching his parked vehicle. An officer was patrolling nearby and immediately rushed to the scene.

The owner provided a detailed description of the culprit and told the officer he saw the youth enter a nearby residence. The owner said he only wanted to speak to the youngster and let him know as nothing was missing or damaged. Police located the youth and a warning was given in the presence of the youth’s parent.

An adult woman is facing multiple charges following a late morning incident in which she physically assaulted an adult man who refused to allow her to use his vehicle. The investigation revealed that the woman, who was on a probation order at the time, had physically struck the man and caused damage to his vehicle and cell phone. The woman was charged with assault, mischief to property and breaching a condition of her probation.

Officers also responded to a variety of other calls, including alarms, domestic disturbances, suspicious people or vehicles, mental health issues, requests to verify an individual’s well-being, harassing communications and calls. regarding animals or regulatory issues.

*Anyone with information regarding any of these cases, or any other criminal matter, is encouraged to contact the Weyburn Police Department at (306) 848-3250, the local RCMP detachment at 310-RCMP (7267) or Crime Stoppers at 1-800-222-TIPS (8477).

HELOC and Home Equity Loan Rates September 26, 2022 | What to expect after the Fed rate hike

We want to help you make more informed decisions. Certain links on this page – clearly marked – may direct you to a partner website and allow us to earn a referral commission. For more information, see How we make money.
Key points to remember
  • Home Equity Loan and Line of Credit (HELOC) rates rose slightly this week.
  • The Federal Reserve raised its main short-term interest rate by 75 basis points, which will push up the cost of borrowing.
  • The Fed hike will most directly affect HELOCs, which often have floating rates tied to what the central bank is doing.
  • If you have a variable-rate HELOC, be careful when borrowing more money because rates will likely continue to rise for a bit longer, experts say.

Expect to pay more if you borrow money against your home. Thank the Federal Reserve.

This isn’t just the case if you’re considering taking out a new home equity loan or line of credit (HELOC). If you already have a HELOC or a variable interest rate loan, this will increase.

The Fed announced last week that it raise its benchmark short-term interest rate – the federal funds rate – by 75 basis points as part of its continued attempt to contain persistently high inflation. The prices were 8.3% more in August than they were a year earlier, according to the Bureau of Labor Statistics, which was higher than expected.

This increase in the federal funds rate is designed to discourage spending and encourage saving, with the goal of lowering prices.

“Inflation is a major concern for people,” says Brian Walsh, senior director of financial planning at SoFi, a national personal finance and lending company. “It impacts everyone and is particularly harmful for people at the bottom of the income scale. The Fed needs to control inflation and it has relatively limited tools to do so. Whether it’s perfect or not, they have to use their tools at their disposal. One of the main ones is the increase in rates.

A higher federal funds rate will mean higher interest rates for all types of loans, and it will have a particularly direct impact on HELOCs and other variable rate products that move in concert with central bank changes.

“However you cut it, it’s not going to be fun to have a higher payment each month on the same amount of money,” says Isabelle Barrowdirector of financial planning at Edelman Financial Engines, a national financial planning firm.

Here are the average home equity loan and HELOC rates as of September 21, 2022:

Type of loan Last week’s rate Previous week’s rate Difference
$30,000 HELOC 6.75% 6.51% +0.24
10-year $30,000 home equity loan 7.15% 7.08% +0.07
Home equity loan of $30,000 over 15 years 7.12% 7.04% +0.08

How these rates are calculated

These rates come from a survey conducted by Bankrate, which, like NextAdvisor, is owned by Red Ventures. Averages are determined from a survey of the top 10 banks in the 10 major US markets.

How will the Fed’s rate hike affect home equity loans and HELOCs?

Home equity loans and HELOCs are similar. You use the equity in your home — the difference between its value and what you owe on your mortgage and other home loans — as collateral to get a loan. This means that if you don’t repay, the lender can foreclose on your home.

They differ in how you borrow the money.

Home Equity Loans

Home equity loans are usually quite simple, in that you borrow a pre-determined amount of money and then pay it back over a number of years at a fixed interest rate. Home equity loan rates are based on your credit risk and the cost to the lender of accessing needed cash.

The Fed’s benchmark rate is a short-term rate that affects what banks charge each other to borrow money. This hike will increase costs for banks, potentially leading to higher interest rates on products such as home equity loans.

Home equity loan interest rates tend to be a bit higher than HELOCs, but that’s because they usually have fixed rates. You don’t take the risk that rates will rise in the future – as they probably will. “You have to pay a little more interest to get that risk mitigation,” Barrow says.


HELOCs are similar to a credit card secured by the equity in your home. You have a limit on how much you can borrow at one time, but you can borrow some, pay it back, and borrow more. You will only pay interest on what you borrow, but the interest rate tends to be variable, changing regularly as market rates change.

Many HELOCs have variable rates that follow the preferential ratewhich changes at the same time as the Fed’s benchmark rate.

“For people who have variable rates, whether it’s a HELOC or a home equity loan, we expect those to go up as the Fed raises rates,” says Walsh. “These interest rates are based on the prime rate, which is basically the federal funds rate plus 3%. As the fed funds rate rises 75 basis points, we expect HELOC rates to rise 75 basis points.

Pro tip

Variable rate HELOCs will see this rate increase after the Fed’s latest rate hike and into the foreseeable future. Keep this in mind when deciding how much to borrow and what to spend it on.

What can you use home equity loans and HELOCs for?

Although a mortgage is primarily used to pay for a home, you can use a home equity loan or HELOC for just about anything. But just because you can doesn’t mean you have to.

The most common use is for home improvements, especially those that are expected to increase the value of your home. With the short-term future of the economy uncertain, Walsh advises you to be careful when borrowing. Think about why you want to tap into your home’s equity and decide if it’s worth what will likely be higher interest charges.

“We don’t want people to get into the habit of treating their home equity like a piggy bank or like a credit card for discretionary purposes,” he says.

Home equity loans can be useful for consolidating higher-interest debt, such as credit cards, which also become more expensive when the Fed raises rates. Experts advise caution when turning unsecured debt into secured debt — you run the risk of losing your home if you can’t pay it off. If you choose to use a home equity loan or HELOC to help you get out of a credit card debt hole, Walsh says the most important thing is to make sure you don’t keep digging yourself deeper. a deeper hole at the same time.

“If you’re using a HELOC or a home equity loan to consolidate your credit card debt, I wish it were just mandatory that you stop spending on a credit card,” Walsh says. “What ends up happening is someone consolidates their credit card debt, then a few years later they now have their home loan or HELOC on top of their new credit card debt because it hasn’t solved the underlying problem that brought it to credit card debt to begin with.

How will the September Fed hike affect existing home equity loans and HELOCs?

If you already have a fixed-rate home equity loan, “quite frankly, it doesn’t matter what the Fed does,” says Walsh.

The Fed matters a lot for HELOCs and loans with variable interest rates. Since these rates will and will likely continue to rise for the foreseeable future, you need to think carefully about how you use them. “It’s really important to know if you have a loan that will adjust,” Barrow says. “If you do, you have to be prepared for that loan to adjust upwards, which means it will cost you more and more every month.”

If you have a lot of borrowed money in a HELOC right now, an option that may seem counterintuitive could save you a lot of money, Barrow says. You can cash-out refinance — even if mortgage rates are higher than 6% — if the total savings on your HELOC outweighs the cost of switching to a higher mortgage rate. “It’s not a foregone conclusion that a refi makes sense, but you definitely need to be prepared for a higher rate on a HELOC,” she says.

Rates will continue to rise with this rise. The Fed should keep its foot on the gas until the end of the year, at least until inflation is on track towards 2%. Consumers should be wary of taking on too much debt with variable rates.

“We can look at it and say a rational person would say the Fed is going to keep raising rates so it’s going to keep getting more expensive for me to borrow money from a HELOC and that’s going to affect my payments “Walsh says. “Generally speaking, most consumers don’t behave in a perfectly rational way. They tend to underestimate this and it will surprise them if they don’t talk it over with someone who can weigh the pros and cons with them when using their HELOCs.

Salmon Arm resident explains how to connect kids to nature – Sicamous Eagle Valley News


“We see what we have been taught to see. We love and respect our natural environment when we see ourselves as part of that community.

These phrases are among the words on the cover of Heartbeat of the Earth, A Handbook on Connecting Children to Nature through Indigenous Teachings.

The manual is written by Launa Purcell, a member of the Mount Currie area Xa’xtsa First Nation who lives in Salmon Arm. She understands on a deep level the importance of outdoor learning.

“As a Xa’xtsa Indigenous woman, I understand that the teaching of our ancestors and being outdoors are as inseparable as our connection to the land… We see ourselves as part of nature and not as a separate entity. Children learn from an early age that what we do to nature, we do to ourselves…”, she writes in the introduction.

She spent many hours with her grandmother Alice Purcell, who died six years ago in the late 90s.

“We spent a lot of time outdoors, whether it was picking berries, being outdoors with family or being outdoors in nature. Growing up immersed in nature has certainly given me a great appreciation for being externally aware of the things around us.

Purcell has worked in Indigenous education in the North Okanagan-Shuswap 83 School District for over 20 years, where outdoor learning was a key component. She now does similar work with the Rise Up Indigenous Wellness Society, with strong ties to Salmon Arm and Sicamous.

The beautiful nature and children’s photographs in the book were taken by Wes Snukwa7 (also known as Wilson), a member of the Lytton First Nation who lives in Salmon.

Heartbeat of the Earth, A Handbook on Connecting Children to Nature through Indigenous Teachings, written by Launa Purcell with photographs by Wes Snukwa7, is for parents, caregivers and educators. (Martha Wickett’s Salmon Arm Observer)

With its short and well-spaced texts, accompanied by photos and drawings, the manual is accessible and inviting.

Content includes: power of ceremony; Mindfulness – Gratitude Meditation; We are all connected; swimmers, walkers and pilots; and indigenous games.

Asked about the generosity of sharing indigenous knowledge with the general population, Purcell said her hope was to increase understanding.

“When you understand another culture, you are able to connect more strongly, she said, explaining that much of what she has been able to share are traditional teachings, some orally of her own. band and others shared by other First Nations.

The manual is aimed at parents, carers and educators, although Purcell said his mother has heard from many interested grandparents. Purcell said the manual was the kind of resource she always seeks as a teacher of Indigenous children.

A well-attended book signing took place on September 22 at the Anvil Coffee Collective in Salmon Arm. Purcell and Snukwa7 were there, along with family, friends and supporters.

Snukwa7’s love of photography dates back to his teenage years when he attended an independent school run by Lytton First Nation. The elders would come and teach the students the traditional customs and language. There he took a photography course and the seed was sown.

“I believe in this book 100% and it has a lot to do with the school I went to in Lytton…” he said.

He and his wife Kristine Wilson also do family portraits, events, weddings and more, which he loves.

Her friendship with Kristine and Purcell goes back a long way, as she taught their three children as well as her sister.

“I love the path she is on right now. To collaborate with another First Nations person and do a project like this – it’s just amazing… I’m just proud to be part of the project and to receive the recognition I made.

He was especially honored to have Lytton First Nation Chief Janet Webster attend the book signing, along with her father Joe Wilson.

“He was so proud.”

Purcell said she hopes to work with Snukwa7 on another project that is still in the works. Her family also attended the book signing and loved seeing the children whose photographs are in the book.

“One of the little girls was signing people‘s books, telling them, ‘I’m in the book, I’m famous,'” she smiles.

Heartbeat of the Earth is available in Salmon Arm at Bookingham Palace as well as Book Nook.

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Litchfield High School teaching staff have named Blake Thompson and Kaitlyn Palmer as their first two students of the week, for the week of September 19-23.

Math professor Dan Buker named Thompson, saying the LHS sophomore “has demonstrated a strong work ethic in his pursuit of learning geometry.”

FG’s recovery of $322m in funds laid the foundation to lift 100m Nigerians out of poverty


Federal Attorney General and Minister of Justice Abubakar Malami, SAN, said the $322 million in looted assets recovered (as of 2017) in Switzerland helped the federal government lay a solid foundation to pull out $100 million of Nigerians from poverty.

AGF explained that the funds are being channeled through social investment programs such as the National Home Grown School Feeding Program, N-power Job Creation and the Youth Empowerment Program , among others.

He therefore called for international support and cross-border collaboration between countries to ensure an effective fight against illicit financial flows.

This was revealed in a statement made available to reporters on Saturday by Dr Umar Jibrilu Gwandu, AGF’s special assistant for media and public relations.

Malami addressed relevant stakeholders in the United States on “Food Security Response: Combating Illicit Financial Flows and Ensuring the Return of Assets for Sustainable Development.

The event was organized by the African Peer Review Mechanism (APRM) of the New Partnership for Agricultural Development (NEPAD) and the Economic and Financial Crime Commission (EFCC), on the sidelines of the 77th session of the United Nations General Assembly in New York USA on Friday.

Malami said transformative solutions to the thorny issues of international financial flows (IFF), looting, internet-related crimes and other threats to global economic growth and development will surely require bilateral cooperation from all stakeholders.

Malami added that such cooperation was relevant as the United Nations General Assembly had already supported the “promotion of international cooperation to combat illicit financial flows and strengthen good practices in asset recovery in order to foster the sustainable development”.

He noted that African countries also suffer from these illicit financial flows as they negatively affect
the African Union’s Agenda 2063 tends towards an integrated approach,
a prosperous and peaceful Africa, driven by its own citizens, representing a dynamic force on the international scene.

“Indeed, these challenges are truly intertwined and have tested our collective ability to design innovative solutions,” added Malami.

The statement reads in part:

“According to Malami, the vision can only be realized when the key to life, ‘food’ is secured and secured, saying that “the fight against illicit financial flows, in terms of blocking leaks and recovering looted assets , will open the door to unleash much-needed investments in productive sectors, including food security.

“Malami said Nigeria has demonstrated the feasibility of applying returned looted assets for sustainable development.

“Malami said the food security response has been placed at the top of Africa’s 2022 agenda to align with the global sustainable development goal of ending hunger, achieving food security, improve nutrition and promote sustainable agriculture by 2030.

“He noted that the crisis experienced in the world as well as the onslaught of terrorism and crime continue to exacerbate the challenges to world peace posed by famine, malnutrition, disease, climate change which, according to him, continue to contribute to the deterioration of the global economy.

“While emphasizing the link between illicit financial flows and food security, Malami cited reports from law enforcement agencies, particularly the Economic and Financial Crimes Commission (EFCC), which showed that IFFS undermine development efforts, including food security.

“He said that the federal government has put in place laws and frameworks to combat IFFs, noting that this year President Muhammad Buhari signed the Prevention and Prohibition of Money Laundering Act (2022 ), the Proceeds of Crime Act, among others.”

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


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

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

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

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

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

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

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

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

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

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

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

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

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Camp Leopold, SC Waterfowl Association Announces Partnership with Dominion Energy



PINEWOOD – Camp Leopold and the South Carolina Waterfowl Association recently announced a partnership with Dominion Energy.

Dominion Energy has pledged $50,000 in support to provide multi-day outdoor educational experiences for more than 5,000 students in Dominion Energy service territories throughout South Carolina. The funding, which is restricted to students enrolled in Title I schools, will engage participants in hands-on STEM-based courses that focus on the field of conservation. Students can expect an immersive experience in which they will learn about many diverse plants and animals of the Southeast, in addition to learning techniques for wise management of these natural resources.

“From the mountains to the sea, South Carolina’s abundant natural resources help make our state the unique and special place we call home,” said Keller Kissam, president of Dominion Energy South Carolina. “We are proud to partner with the Waterfowl Association to help plant the seeds of environmental stewardship in our next generation of South Carolina as they grow to appreciate our natural wonders and preserve these resources for years to come. come.”

The primary goal is for each student to leave Camp Leopold with an increased awareness of the natural world. “Dominion Energy is a long-time supporter of Camp Leopold and has been instrumental in building our education program. Their dedication to supporting conservation education for young people is a strong testament to the virtues of society,” said SCWA Executive Director David Wielicki. .

Get Your Vote Back: When We All Vote, It Attracts Young Voters | New


Even though 2018 saw the highest turnout for a midterm election since 1914, nearly 50% of voters did not participate. It was also the highest youth turnout in decades at a midterm election, but nearly two-thirds of young people did not vote.

when we all vote, a nonpartisan initiative launched by former First Lady Michelle Obama, is working to close the race and age gap in voter turnout. Executive Director Stephanie Young said while there are new challenges that make it harder for young people to vote, such as recent provisions that reduce early voting days or invalidate student cards, there are also social barriers that also play a role.

“Often the barriers for young people are that no one asks them to vote,” said Young, who added “we know that a good percentage of young people did not vote in the last midterm elections because ‘they said no one asked them.

Young says when we all vote is on a mission to change the culture around voting to increase turnout among young and black voters and hopes its partnership with BET on the 2022 #ReclaimYourVote campaign can help achieve the specific goals they set out ahead of the mid-election. -mandate. The organization has worked alongside other organizations this year to recruit and train at least 100,000 volunteers, register more than a million new voters and recruit thousands of lawyers to protect voters across the country.

when we all vote hosted a week of action that included a virtual rally featuring former First Lady Michelle Obama and will culminate today with a Twitter Space conversation about the impact of gerrymandering on communities of color. Other events this week included local voter engagement training across the country and discussions on the state of environmental justice.

In 2020, when we all vote reached over 100 million people and helped over 500,000 people register to vote. In addition to communities of color, they also emphasize youth voter turnout and provide financial support to college campuses to get out the ballot efforts.

Young says that since Gen Z is the most diverse voting bloc and makes up at least 10% of voters nationwide, part of their appeal to young voters is to show the added impact that voting can have over time and why it matters.

“Democracy is a two-player sport, and it’s a stable game,” said Young who added, “That’s why it’s so important for us to constantly invest in it.”

And while traditionally candidates have been the ones to appeal to voters, given that new laws and proposals have created roadblocks that impact black and brown voters, When we all voteThe 2022 midterm election campaign aims not just to reclaim the vote, but to underscore its potential for influence.

“We are not going to allow people to scare or intimidate us away from voting and away from this power that we have. So, it is we who are literally reclaiming our power. And not just our vote,” Young said.

Young also recognizes the lack of patience that young people can feel, especially with the issues they are most passionate about.

“The right to vote protects all other rights,” said Young, who added, “To create real systemic change on criminal justice reform, climate change, reproductive rights, and all the issues that matter to us, we must combine our activism in the streets with our voting at the polls. »

when we all vote encourages your participation in the #ReclaimYourVote 2022 campaign by registering to vote and visiting their website for voter rights resources to ensure you are ready to vote. You can also join advocacy efforts by starting a chapter in your community or a club in your school.

Visit Claim Your Vote: Your Voice, Your Power, Our Democracy for more information.

Visit vote.gov to register to vote, check your registration status, and find voter registration deadlines.

The club has big plans for the coming months


On July 9, the 2022-2023 Rotary Club of Barbados Board of Directors was installed in the picturesque Bentley Mansion, a place steeped in history and one that so eloquently aligns with the theme “Let’s Make Rotary Great”. Magic “. The ceremony was held under the patronage of the President of Barbados, Her Excellency Dame Sandra Mason, GCMG, DA, QC and featured the Barbados Police Band who serenaded Rotarians and guests during cocktail hour.

Incoming President Tracey Knight-Lloyd kicked off her year with a quote from Rotary International’s first female president, Jennifer Jones; whose theme inspired us to Imagine Rotary. She said: “Imagine a world that deserves our very best, where we wake up every day knowing we can make a difference. You cannot imagine yesterday. You imagine tomorrow.

To further emphasize the Imagine Rotary theme, Jones asked all Rotarians to focus on a few key areas:

• Adapt and revamp the way we run our service projects and run our clubs

• Embrace a greater focus on member engagement and retention, especially with what she calls the comfort and care approach

• Seek ways to empower girls and women through the Empower Girls initiative

This year, The Rotary Club of Barbados will continue its journey to make Rotary Magic with a number of service projects that will lead to continued upliftment and betterment in the lives of those who benefit from club service. An example of this is the Empowering Girls theme which continues to be relevant, and even more critical in this post-Covid-19 environment.

Covid-19 has jeopardized the financial stability of many women, which is further compounded by the lack of financial knowledge and financial dependency of this group. Additionally, a 2020 IDB study in Barbados indicated that men’s levels of financial literacy were higher than those of women. With such statistics plaguing women, the President’s plan for 2022-23 will be a financial education program themed “Save, Spend and Prosper” – a program that was developed to reach out to and equip vulnerable women. to protect their livelihoods and by extension their families, as many women now find themselves at the head of their households.

President Tracey Knight-Lloyd pointed out that “this project will be rolled out in three phases, the rehabilitation of the computer labs at Marina House, a residential treatment center for women of all backgrounds, who are recovering from various forms of addiction. The phases also include a financial coaching seminar and finally a national social media campaign highlighting basic financial literacy advice in an easy to understand format.

There is a surfeit of empirical evidence that indicates positive youth development is directly correlated with programs that include after-school recreation, conflict resolution, and mentoring, among others. The Barbadian community continues to watch in horror the acts of violence perpetrated among another vulnerable group, the youth.

In this spirit, the Club will continue its work with two initiatives launched in 2021, the youth upliftment programme, Building the Brand Called You and will continue to support activities within children’s homes which all serve as key interventionist approaches. to minimize deviance among young people. . In addition to these programs, this year, through the Pride of Workmanship Awards, the club intends to highlight the work of those who provide programs for at-risk youth and who are the unsung heroes who help prevent young people from engaging in a life of crime. It is hoped that by showcasing their important work, more prominence will be given to this area, resulting in a reduction from the cradle of the island to the prison pipeline. Rotary Magic will not exclude people with disabilities of all ages from the island. All children living with disabilities have abilities and that is why the club continues to be delighted to be part of an initiative that will see the rehabilitation of the learning center at the school for special needs.

Knight-Lloyd reiterated the club’s focus on saving the environment, tackling childhood obesity and the importance of vaccines in eradicating polio.

The Council 2022-23:

1. President Tracey Knight-Lloyd

2. Vice President Paul Ashby

3. President-elect Ermine Darroux

4. Secretary Jamella Forde

5. Treasurer Peter Williams

6. Director of Club Administration Savitri St. John

7. Director of Public Image Keri Mapp

8. Director of Community Services Anton Nicholls

9. Director of Membership and Youth Services Barbara Trieloff-Deane

ten. International Service Director Carole Eleuthere-JnMarie,

11. Past President, Robin Ford

12. Sergeant-at-Arms Randy Marshall.

(Rotary Club of Barbados)

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Bahrain Princess arrives for Women Power Conference


Princess of Bahrain – Her Highness Sheikha Jawaher Bint Khalifa Al Khalifa

THE Princess of Bahrain – Her Highness Sheikha Jawaher Bint Khalifa Al Khalifa arrived in Manila yesterday morning en route to Davao City to launch the opening of the Global Women’s Empowerment Summit (GWES) at the Waterfront Insular Hotel Davao on 24 and September 25, 2022.

She is also expected to meet with high profile businesswomen, women government officials and summit sponsors.

The summit aims to promote women’s empowerment and Sheikha Jawaher has a particular interest in helping women earn a living and enacting youth empowerment in the region.

This is her first time here after the June summit date was canceled due to unforeseen circumstances. It intends to explore opportunities in the region that may be of interest to investors from Bahrain. She expressed her intention to help promote inbound tourism.

The Global Women’s Empowerment Summit is a Dubai-born and based women’s empowerment event that focuses on promoting women’s well-being and rights to have better lives and be the best versions of women. themselves.

Among the speakers at the opening on September 24 is Stella A. Estremera, associate editor of Sun.Star Davao, where she will speak about empowering women by empowering others. The summit features a powerful group of speakers, it is the only women empowerment gathering initiated so far.

After the Davao summit, Sheikha Jawaher will also grace the Manila leg of GWES on October 1 at The Tent in Enderun, McKinley Hill and October 3 at the Okada Manila. (SunStar Philippines)


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Moody’s: Envision Healthcare faces bankruptcy and defaults


Moody’s Investors Service added to Envision Healthcare’s financial woes by downgrading the outpatient surgery and physician recruitment company’s debt on Wednesday.

“The ratings downgrade reflects Moody’s view that Envision’s capital structure is unsustainable, the likelihood of bankruptcy or major restructuring is high, and the recovery rates of a much of the company’s debt will be low,” said a Moody’s report. Envision declined to comment.

The credit rating entity assigned a “C” rating, the lowest among lower-grade bonds that is typically applied to debts in default with little prospect of collection of interest and principal balances. In its report, Moody’s referred to declining profitability, low liquidity and expected poor operating performance due to labor costs and rising interest rates.

Nashville, Tenn.-based Envision Healthcare, which generates about $7 billion in annual revenue, provides emergency services and physician outsourcing, and operates more than 250 outpatient surgery centers in 34 states. Private equity firm KKR acquired Envision for nearly $10 billion in 2018.

The Envision analyst project could default within the next two years, said Jaime Johnson, senior health care analyst at Moody’s.

Envision restructured some of its debt by issuing new agreements through its subsidiary AmSurg and extending maturity dates, which improved short-term liquidity, but the restructuring did not eliminate any debt, Johnson said. “It’s pretty clear to us that they’re going to run out of money at some point,” she said.

Envision has struggled throughout the pandemic, including net losses in the first half of this year. The company continues to battle with UnitedHealth Group over claims following the insurer’s decision to remove Envision from its network last year. The no surprises law will also take a toll on revenue, and Envision has recently come under fire for taking advantage of emergency department patients with surprisingly high bills.