Table tennis club budget – OTTF http://ottf.org/ Thu, 13 Jan 2022 22:19:20 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://ottf.org/wp-content/uploads/2021/06/icon-2021-06-25T010803.862-150x150.png Table tennis club budget – OTTF http://ottf.org/ 32 32 KENNARD: Ideas for staying warm when the ice comes https://ottf.org/kennard-ideas-for-staying-warm-when-the-ice-comes/ Thu, 13 Jan 2022 21:26:00 +0000 https://ottf.org/kennard-ideas-for-staying-warm-when-the-ice-comes/ David Kennard Chief Editor We should probably talk about the weather, considering things are going to get pretty awful pretty quickly here. Freezing rain is expected to fall in the area Saturday evening, which could prompt more than a few short prayers as people make their way to church on Sunday. Here’s my advice: take […]]]>

David Kennard

Chief Editor

We should probably talk about the weather, considering things are going to get pretty awful pretty quickly here.

Freezing rain is expected to fall in the area Saturday evening, which could prompt more than a few short prayers as people make their way to church on Sunday.

Here’s my advice: take it easy, wear polarized sunglasses, and run your car’s windshield defroster before you go.

As a newcomer to the area, I still haven’t understood North Carolina weather, but I’m no stranger to extreme weather.

During my formative years, my mother dragged us to Kansas every summer to visit my grandparents, Bert and Dorothy. Yes, my grandmother’s name was Dorothy – from Kansas, and she survived a number of tornadoes in her 92 years, although none of them took her to Oz.

We learned early on that when Grandma told us to head downstairs, she meant it.

However, most of my “extreme weather” experience comes from growing up in Denver, where cold meant snow and snow meant skiing. From my early teens until I left for college, my brother and I escaped to the highlands as often as possible, usually doing our first runs on Halloween each year.

The winter after graduating from high school, I started working as a ski instructor in Winter Park, which sits at the back of Berthoud Pass in the Colorado Rockies. The once-a-week job paid next to nothing, but I was able to ski for free all winter.

My winter driving skills got pretty good after a while, and although my 1973 Chevy Nova handled slippery mountain roads horribly, I learned to drift around those hairy turns with ease. And I could put on or take off a set of tire chains with the speed of a pit crew.

During some of those early jaunts into the Colorado highlands, friends and I had discovered cross-country skiing, which led to winter camping in some pretty remote areas.

On one such trip, a good friend and I skied at a site I had scouted several weeks before.

During this early winter scouting mission, I had walked over and buried a huge pot of peppers and a Coleman stove in a small snowdrift which, by October, had already piled up against the trunk of a large Douglas fir.

I reached as high up the tree as I could and tied fluorescent ribbon – knowing that when we were skiing weeks later the snow would make my hidden treasure hard to find.

I was right. When we arrived to find the forest floor now hidden under deep snow, we searched for over an hour for the tape marking the location of our dinner. We eventually found the ribbon just below the surface of the snow, which by my calculations was easily over 8 feet deep.

We found chili dinner, dug a snow cave, and hunkered down for the night. After a not too miserable night in the snow, we skied and went to a roadside restaurant in Fraser, Colorado, where we had the best pancake breakfast I’ve ever had.

So when ice and snow arrive this weekend, take it from a seasoned cold weather survivor; throw a blanket in your trunk, and maybe a granola bar or two – and don’t forget the chili.

David Kennard is the editor of The Robesonian. Contact him at [email protected]

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Payday loan vs personal loan: what’s the difference? https://ottf.org/payday-loan-vs-personal-loan-whats-the-difference/ Wed, 12 Jan 2022 16:11:58 +0000 https://ottf.org/payday-loan-vs-personal-loan-whats-the-difference/ If you need money to cover an emergency, you can borrow it in several ways. One is a payday loan. This type of loan is easy to apply for but can be very risky. Payday loans charge high interest rates and often have hidden fees. This makes it very easy to get stuck in a […]]]>

If you need money to cover an emergency, you can borrow it in several ways.

One is a payday loan. This type of loan is easy to apply for but can be very risky. Payday loans charge high interest rates and often have hidden fees. This makes it very easy to get stuck in a debt trap where it becomes very difficult to repay your loan, even if you only borrowed a small amount initially.

Another option is a personal loan. These loans are a little more complicated to apply for but have much lower interest rates than payday loans. For this reason, personal loans are often used to consolidate debt and are a much safer way to access credit.

Here’s what you need to know about the differences between these loans and how you can decide which is right for you.

Key points to remember

  • If you need money to cover an emergency, you can borrow it in several ways. One is a payday loan. This type of loan is easy to apply for but can be very risky. Another option is a personal loan. These loans are a little more complicated to apply for but have much lower interest rates than payday loans.
  • Using a simple online personal loan calculator can help you determine the type of payment amount and interest rate that best suits your budget.
  • Payday loans are almost always more expensive than personal loans when it comes to borrowing money, and are also riskier. If you qualify for a personal loan, choosing this option will allow you to borrow more money, give you more time to pay it back, and charge you less interest.

Payday Loans vs. Personal Loans: An Overview

Payday loans and personal loans have some similarities. With both loans, you borrow money that must be repaid, with interest, at a later date. Both loans can be used to cover emergencies and to meet the cost of unexpected bills or other financial obligations.

These loans can differ considerably. Payday loans are typically used to borrow small amounts of money until your next paycheck and are very easy to arrange. You won’t need any collateral for these loans, and they can be very expensive. For this reason, they are often considered predatory loans because they carry extremely high interest rates, do not take into account the repayment capacity of the borrower, and have hidden provisions that charge borrowers extra fees.

Personal loans are a much broader category. This loan is usually offered by a bank, credit union or online personal lender, and you will normally need to provide them with proof that you will eventually be able to repay the loan. Personal loans are normally for much larger amounts of money than payday loans, but you’ll have a lot more time to pay that money back. Interest rates and fees for a personal loan are much lower than for a payday loan, so the overall cost of borrowing is likely to be much lower.

Warning

Payday loans can charge high interest rates – up to 400% – and incur hidden fees.

How payday loans work

It is normally very easy to get a payday loan. You can walk into a payday lender’s office and walk away with a loan. You won’t have to give anything to the lender to secure the loan, like you would at a pawn shop. Instead, the lender will normally ask your permission to electronically withdraw money from your bank, credit union or prepaid card account. Sometimes the lender may ask you to write a
check the repayment amount, which the lender will collect when the loan matures.

Payday loans can be expensive. Payday lenders charge very high interest rates: up to 780% in annual percentage rate (APR), with the average loan amounting to almost 400%. Most states have usury laws that limit interest charges between 5% and 30%. However, payday lenders fall under exemptions that allow their high interest rate. Sixteen states – Arizona, Arkansas, Colorado, Connecticut, Georgia, Maryland, Massachusetts, New Jersey, Montana, New Hampshire, New York, North Carolina, Pennsylvania, South Dakota, Vermont and West Virginia, and the District of Columbia – outright ban extremely expensive payday loans. Seven states – Maine, New Mexico, Ohio, Oklahoma, Oregon, Virginia and Washington – have imposed certain measures, such as time limits, fee limits or the number of loans per borrower, which offer some protection to consumers. .

Payday lenders claim that their high interest rates are misleading because if you pay off your payday loan on time, you won’t have to pay high interest rates. In some cases, this may be true, but 80% of payday loans are renewed multiple times, according to the Consumer Financial Protection Bureau (CFPB), indicating that the majority of these loans are not repaid on time.

Debt consolidation

You can use a personal loan to consolidate your debts. If your credit rating is good, you can often take out a personal loan at a lower interest rate than you would pay with your credit cards.

How Personal Loans Work

To obtain a personal loan, you must contact a lender. Again, this could be a bank, credit union, or online personal lender. Generally, you must first complete an application. The lender reviews it and decides whether to approve or deny it. If approved, you will receive the terms of the loan, which you can accept or decline. If you accept them, the next step is to finalize your loan documents.

When this is done, the lender will fund the loan, which means paying you the proceeds. Depending on the lender, these can arrive by direct deposit to your bank account or by check. Once the loan is funded, you can use the money as you see fit.

Personal loans can be secured or unsecured. A secured personal loan is a loan that requires some form of collateral as a condition of borrowing. For example, you can get a personal loan with cash, like a savings account or certificate of deposit (CD), or with a physical asset, like your car or boat. If you are unable to repay the loan, the lender may retain your collateral to pay off the debt.

Personal loans can also be found online. Many lenders offer personal loans through their websites. You can apply electronically, get a decision in minutes, and in some cases get funding in as little as 24-48 hours after loan approval. Using a simple online personal loan calculator can help you determine the type of payment amount and interest rate that best suits your budget.

Lenders may have different requirements regarding credit score, income, and debt ratio that are acceptable to be approved for a personal loan. This can help you narrow down the loans that best match your credit and financial profile.

Main differences

There are several key differences between payday loans and personal loans when it comes to meeting emergency expenses:

  • Cost. Payday loans generally have much higher interest rates than personal loans and may incur hidden fees.
  • Accessibility. Payday loans may be easier to obtain, especially for people with limited credit histories and other financial difficulties. With some payday lenders, you can even get a loan without a bank account as long as you have a prepaid card account.
  • Impact on your credit score. Most payday lenders do not report to credit bureaus. This means that only personal loans appear on your credit report. If you take out a personal loan and make payments on time, your credit score will increase, which will help you qualify for better loans and interest rates in the future.

In almost all situations, a payday loan will be more expensive than a personal loan. If you need emergency money, the best thing to do is apply for a personal loan if you can qualify. Then, if you don’t qualify, you can consider other options. Even then, it may be best to spend money on your credit card, ask your employer for overtime, or borrow money from family and friends.

Is the personal loan a better alternative to the personal loan?

In general, a personal loan will be cheaper than a personal loan. Lower-cost personal loans give the borrower more time to repay a loan than a payday loan, and most credit unions offer personal loans with APRs comparable to credit cards, which still charge lower rates than payday loans.

Are payday loans hard or easy to repay?

Payday loans are sometimes harder to repay than a traditional loan because the lender hasn’t checked your repayment capacity before lending you money. Payday lenders typically don’t assess your debt-to-equity ratio or consider your other debts before granting you a loan.

Do payday loans help your credit?

Probably not. Payday loans aren’t typically reported to the three major national credit reporting companies, so they’re unlikely to impact your credit scores. Unless you repay the loan on time and are referred to a debt collection agency: it will actually hurt your credit score.

The essential

Payday loans are almost always more expensive than personal loans when it comes to borrowing money, and are also riskier. If you are able to qualify for a personal loan, choosing this option will allow you to borrow more money, give you more time to pay it back, and charge you a lower interest rate. If you need emergency money, you must first apply for a personal loan.

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Easy One-Pot Vegetarian Recipes – The New York Times https://ottf.org/easy-one-pot-vegetarian-recipes-the-new-york-times/ Mon, 10 Jan 2022 19:36:00 +0000 https://ottf.org/easy-one-pot-vegetarian-recipes-the-new-york-times/ Here’s a New Year’s resolution: do less! It can mean a lot of things, but mostly it should mean doing less washing up. And what better way to stick to that goal than to cook more dishes from just one New York Times Cooking pan? It is not permissible to compromise on flavor; in fact, […]]]>

Here’s a New Year’s resolution: do less!

It can mean a lot of things, but mostly it should mean doing less washing up. And what better way to stick to that goal than to cook more dishes from just one New York Times Cooking pan? It is not permissible to compromise on flavor; in fact, you’ll find that these carefully crafted recipes are bursting with heat, spice, spice, and creaminess despite their ease. But when the energy is at its highest (and when isn’t it?), The dishes below will satisfy while keeping the sink relatively empty.

Preparing this 30-minute issue of Hetty McKinnon in one pot actually boosts the flavors of the entire dish: the broth that deglazes the mushrooms and caramelized leeks is also the liquid in which the pasta cooks, capturing all of that. golden pieces at the bottom of the pot and conferring orecchiette with their umami.

Zainab Shah skips the more traditional layering of ingredients in the biryani to save time and cleanse, but it doesn’t sacrifice flavor. The recipe is loaded with aromatics – cloves, cardamom pods, green peppers, ginger, and chopped herbs, to name a few – and an aisle of vegetables. A final dazzle of pomegranate seeds and cashews beautifully masks the fact that this dish is a cinch to prepare.

Recipe: Biryani with vegetables in one pot

Don’t speak in the comments yet – this heartwarming recipe from Melissa Clark calls for ground turkey, but you can also use more beans or your favorite plant-based meat substitute. And while the stew itself is everything you’d expect from a chili (spicy, rich, hearty), we all know why you’re here: the siren call of these tangy buttery cookies.

Recipe: Chili and turkey cookies in one pot

In the world of containers that could be considered a singular pot, you can and should include the large electric pressure cooker. While Sarah DiGregorio’s vegetarian take on the Hungarian classic is a far cry from what you might find in Budapest, plenty of Yukon Gold potatoes and meaty mushrooms keep her in the heartwarming spirit of the original.

Swapping the chicken for red lentils in Ali Slagle’s vegetarian version of the Italian classic ensures dinner is always high in protein with minimal fuss. The final stew is also incredibly versatile: eat it straight from the pan, pour it over creamy polenta, or treat it like a pasta sauce by diluting it with just a little water.

Recipe: Cacciatore lentils

This richly crimson vegetarian stew from Lidey Heuck is nicely spicy, but lacks the fiery heat one might normally associate with hotter peppers. Instead, the flavor profile is warmer and a bit more complex thanks to subtle additions like cinnamon and brown sugar.

Recipe: Chili with butternut squash and Moroccan spices

Melissa Clark wrote a love letter to canned foods, and it’s that creamy curry. Canned chickpeas, coconut milk and pumpkin puree serve as the basis for this user-friendly (and economical) recipe. Fresh produce is kept to a minimum – think onion, cilantro, lime – to make sure you don’t have to rush out for a last-minute ingredient.

Recipe: Coconut curry chickpeas with pumpkin and lime

Ali Slagle is here to ask the important questions – like “What if my favorite spinach cream steakhouse were paired with my favorite mac and cheese?” – and give people answers. Here, the milk, spinach and herbs create a sauce that is fluid enough for tiny pasta like ditalini to cook in it, but also thickens as it simmers. A last shower of Parmesan combines everything perfectly.

Recipe: Creamy pasta and greens in one pot

Flaw alert! Because the cheesy toast served with this Sarah DiGregorio Italian Stew is sautéed right under the grill without a pot or pan, it still qualifies for this list. Don’t skip them either: while the soup is substantial on its own, reviving any stale bread lying around means you’ll end up with bites here and there that almost taste like pizza.

Recipe: Ribollita Pressure Cooker With Smoked Mozzarella Toast

If there’s a tube or pot of harissa in the pantry, put it to work in this fresh Ali Slagle weeknight soup. Because North African chili paste packs a good amount of heat and flavor in just a few tablespoons, you won’t need much else other than a few crispier staples and a few cans of chickpeas to make dinner on the table in 30 minutes.

This creamy, vibrant and tangy soup actually requires no cream: Yewande Komolafe uses coconut milk, natural peanut butter, and pumpkin puree to achieve a silky consistency. These velvety ingredients also temper the heat of certain habanero peppers, a staple of West African cuisine.

Recipe: Spicy Peanut Pumpkin Soup

Kay Chun makes dinner – and therefore life – so much easier for you with this recipe, which eliminates the need for hovering over the stove and endless stirring often associated with risotto. This dish is also easy to adapt: ​​while chicken broth is necessary, mushroom broth would be an exceptional substitution.

Recipe: Baked Risotto With Green Vegetables And Peas

Doenjang, Korea’s fermented soybean paste, imparts a salty funk that adds complexity to an otherwise simple stew of pantry beans and hearty greens. Eric Kim minimizes waste by including the stems of green vegetables – especially rainbow chard – which add color and a subtle crunch.

Recipe: Bean and Green Vegetable Stew with Doenjang

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Crime report | Robesonian https://ottf.org/crime-report-robesonian/ https://ottf.org/crime-report-robesonian/#respond Mon, 19 Jul 2021 15:22:00 +0000 https://ottf.org/crime-report-robesonian/ July 19, 2021 LUMBERTON – The name of a local family who have played a vital role in regional health care for decades rose on a tower on Monday. The UNC Health Southeastern Board of Trustees dedicated the healthcare system’s seven-story patient bed tower as the Rust Tower in an unveiling ceremony at the main […]]]>

LUMBERTON – The name of a local family who have played a vital role in regional health care for decades rose on a tower on Monday.

The UNC Health Southeastern Board of Trustees dedicated the healthcare system’s seven-story patient bed tower as the Rust Tower in an unveiling ceremony at the main entrance to the medical center. Board Chairman Wayland Lennon unveiled a sign with the new name in front of an audience of the Rust family, board members and healthcare system leaders in a ceremony broadcast live on Facebook.

“The Rust family have an extreme sense of volunteerism and commitment to Robeson County and our health care system,” said Lennon. “Their guidance and leadership has helped UNC Health Southeastern overcome triumphs and challenges, never straying from their true mission of providing the citizens of our service area with the best of health care. “

UNC Health Southeastern President / CEO Joann Anderson recalled former board member James “Randy” Rust and his influence during his early days as CEO in her remarks.

“Having worked with the Rust family for 14 years, I have appreciated their commitment to doing what is right for the greatest number,” said Anderson. “They have worked collectively to ensure that health care is always available in our region. The name of the tower is representative of their desire to make health care accessible to all.

To conclude the ceremony, Lisa and Kenneth Rust responded on behalf of the family.

“It is indeed a great privilege to be here today and with the greatest humility we thank you for this honor,” said Lisa Rust. “As much as you honor us today, as much we recognize that you could put a number of names on the outside of this building and it would still be a shell without the men and women inside the building who practice ubuntu ( I am, because we are) love every day. If our name is associated with this kind of love, then you have indeed done us a great honor, and I thank you for that.

Kenneth Rust reflected on the importance of his service and that of his father on the health system board.

“Over the past ten or twenty years, many rural hospitals have struggled, many are downsizing and even more closing their doors,” he said. “Yet in the face of this trend, this institution is thriving. Local access to quality health care, especially in any rural county, such as Robeson County, is a fragile privilege. This is one of the first truths generations of board members quickly learn when they begin their service. “

For the past 35 years, three members of the Rust family have served on the board of directors of the health care system or the Foundation.

James “Randy” Rust served on the health care board for 27 years, from 1986 to 2013. During his tenure, Rust served as chairman of the board in 1991-1992 and again in 1999-2003. He was awarded Director Emeritus status in 2014 to honor his commitment and dedication to the Southeast and the patients served throughout the Southeast region.

Randy Rust also served on the Foundation’s Board of Directors from 1990 to 1998. During his tenure on the Health System Board, he saw significant growth in outpatient clinics, rehabilitation centers, and drop-in centers. in shape, emergency and oncology departments, and the addition of the La tour patient bed. He also supported and helped with the Take it to the Top! Capital Campaign, which has raised more than $ 4.6 million for projects to improve emergency care and cancer treatment and to provide private rooms to virtually all hospital patients. Rust has demonstrated unwavering support and faith in the open heart surgery center offered in cooperation with Duke Health despite many setbacks during the five-year approval process, during which he visited many cities. of North Carolina to speak on behalf of the citizens of the community he represented.

Randy Rust and his wife, Mary Anne, served on several Foundation Gala committees. He was recognized statewide for his healthcare leadership and advocacy efforts by receiving the North Carolina Hospital Association Trustee Service Award for 2002 and his election to the NCHA Board of Directors in 2003 for a three-year term.

Kenneth Rust has served on the board of directors of UNC Health Southeastern since 2015, most notably as president for the period 2017-2020. During his tenure as President, he led numerous projects, including the Partnership Exploration Initiative, which began in August 2018 and ended with the announcement on December 3, 2020 that the Board administration had signed a management services agreement with UNC Health. He served during the early days and uncertain days of the COVID-19 pandemic until a vaccine became available in December 2020. Other projects he led include the transition of the NICU from the medical center towards classification as a Level II unit, upgrading the medical system from the centre’s operating rooms to a state-of-the-art operating theater, Hurricane Florence and all the devastation that followed, and the first promotion of resident physicians from Campbell University School of Osteopathic Medicine.

Lisa Rust began her term on the Foundation’s Board of Directors in 2000, as President for the period 2009-2011. During her tenure as President, she oversaw numerous fundraising efforts for UNC Health Southeastern affiliates including Southeastern Hospice and Southeastern Hospice House; Gibson Cancer Center, WoodHaven Nursing, Alzheimer’s and Rehabilitation Center; short-term rehabilitation of WoodHaven; Emergency services; Behavioral health; and the University Endowment Fund. Her support and expertise were instrumental in the success of the Southeast Heart Center’s campaign, which raised $ 1.6 million, where she served as co-vice-president.

Lisa and Kenneth have served on a number of Foundation Gala Committees and served as Co-Chairs in 2002. Lisa Rust continues to serve on the Board of Trustees to raise awareness and fundraise for the UNC Health Southeastern Foundation.

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Nominations for November election end with 39 names on the books https://ottf.org/nominations-for-november-election-end-with-39-names-on-the-books/ https://ottf.org/nominations-for-november-election-end-with-39-names-on-the-books/#respond Fri, 16 Jul 2021 22:40:49 +0000 https://ottf.org/nominations-for-november-election-end-with-39-names-on-the-books/ LUMBERTON – Three people ended the nomination period on Friday, taking their places among the 39 candidates campaigning in the November 2 municipal election. FAIRMONT Monte McCallum filed for mayor on Friday. McCallum is running against former mayor and outgoing commissioner Charles Kemp. McCallum, a member of the town council of commissioners, did not provide […]]]>

LUMBERTON – Three people ended the nomination period on Friday, taking their places among the 39 candidates campaigning in the November 2 municipal election.

FAIRMONT

Monte McCallum filed for mayor on Friday. McCallum is running against former mayor and outgoing commissioner Charles Kemp. McCallum, a member of the town council of commissioners, did not provide biographical information to The Robesonian.

Incumbent Terry Evans has sought re-election to the Fairmont Board of Trustees. The council seats held by Evans, Felecia McLean and McCallum are up for grabs in November.

Evans is a Fairmont High School graduate and a United States Army veteran. He is employed as a supervisor at Smithfield Foods in Tar Heel. He is a former member of the Robeson County Planning Council and served as constituency chairman of the Democratic Party for four years.

“I have a fundamental value. Run this city like a business. And what I do for one, I do for all, ”he said in a written statement.

“I will fight your fight. You always fought for me, let’s do it again. God bless you, ”he wrote.

On Thursday, Melvin Ellison joined the race, making his third attempt to win a seat on the city’s council of commissioners. He joins Clarence McNeill, who also filed Thursday.

Ellison, 65, worked for Robeson County Public Schools for seven years and is the manager of the Alcoholic Beverage Control store in Fairmont. He served on the Alcoholic Beverage Planning and Control Board of Fairmont for five years. He is married to Jacqueline Ellison and together they had five children. He attended First Baptist Church in Fairmont.

Ellison said he wanted to create jobs, businesses and more recreational facilities in the city and housing for the elderly. He would also like to see more youth programs and activities and better policing.

“I love Fairmont,” Ellison said. “I just want to be a voice for the people of Fairmont. “

McNeill has not submitted any biographical information to The Robesonian.

McNeill and Ellison were the first two people to run for the Council of Commissioners.

RED SPRINGS

The race for the Red Springs Council of Commissioners has nine candidates vying for three seats up for grabs in November. The seats are held by Neal Lea’Kes, Elma Patterson and Murray McKeithan, all of whom have sought re-election to the board of directors.

Sandra Wilson tabled Friday for a seat at the Council table.

She has lived in the town for 25 to 30 years, according to information provided to The Robesonian. In 2014, she received the Honor Volunteer award. She also received the Citizen of the Year award in 1996. Wilson was recognized in 1990 by the National Association of Social Workers as Social Worker of the Year.

Wilson graduated from Pembroke State University in 1985 with a degree in sociology. She has worked in the mental health field for approximately 35 years.

She owns WB Healthcare in Red Springs and, if elected, hopes to prevent crime and mental illness by delivering programs that engage the city’s youth and other residents. Wilson would like to see a boys and girls club in town to provide activities for young people and “help them grow as a person”.

“I would like to be a commissioner because there is a need for the growth of the city through the development of policies,” she said in a statement.

Wilson said she would keep lawmakers informed of the needs of residents. She also said that if crime can be prevented through implemented programs, state and taxpayer money typically spent on prisons and incarceration can be saved.

“As a commissioner, I want to make sure that people’s concerns are taken into account,” she said.

On Thursday, Lorie Hammonds and Largirtha Graham joined the crowded contest to win a seat on the Red Springs Commissioners Council.

Hammonds is a resident of Red Springs, according to information submitted to The Robesonian. She is married to Timothy (Timbo) Hammonds and mother to Timothy, a 10th grade student at Red Springs High School and Leeyah, a seventh grade student at Red Springs Middle School. She is active with their schools. She worked in the Robeson County Social Services Department for a decade and now works at Positive Progress in Red Springs.

Hammonds operates as a platform for community growth, business recruiting, and research grants to fund city improvement projects. Her “deep love and passion for the love of Red Springs” led to the recent restoration of a historic home, along with her family. Hammonds would like to see dilapidated homes removed and beautification projects to replace them, and Main Street to be filled with new businesses.

She graduated from Red Springs High School and the University of North Carolina at Pembroke, with a degree in social work. She attends worship and worship ministries in Red Springs.

Graham did not submit biographical information to The Robesonian.

Incumbents McKeithan and Lea’Kes filed their case on Wednesday. Retired Red Springs Police Chief Ronnie Patterson also filed for the board on Wednesday.

McKeithan is running for his fourth term on the board.

McKeithan retired in 2007 after 37.5 years of work at the Goodyear tire and rubber plant in Fayetteville, according to information the candidate submitted to The Robesonian. In 2004, he retired as a sergeant in the North Carolina National Guard after 28 years of service. He was also a military police officer from 1972 to 1974.

If re-elected, his goals are to continue improving the city’s infrastructure, such as its streets, McKeithan said. He also hopes to clean up areas with dilapidated and abandoned houses in the city. McKeithan will also strive to provide the Parks and Recreation Department with a facility in which to implement programs and educational opportunities for city residents and youth.

“I will continue to strive to do the job that citizens have entrusted to me,” McKeithan said. “I will continue to fight for them. “

Lea’Kes is running for her second term on the Board of Directors.

Lea’Kes is a retired program director with the North Carolina Department of Public Safety and a retired U.S. Army veteran, according to information provided by the candidate to The Robesonian.

“It has been my honor to serve the citizens of Red Springs for the past four years,” he said in a statement. “If I am re-elected my goal is to continue to move the city of Red Springs forward, addressing issues such as improving the appearance of communities, improved data systems to engage youth and more opportunities. employment for citizens.

Brian Freeman filed Wednesday for a seat on the Red Springs Council of Commissioners.

Freeman is a fourth-generation Red Springs native, according to information submitted to The Robesonian. He is a seasoned educator, having been a teacher in Robeson County, educational coach and now Deputy Principal in Cumberland County. He was also recognized as teacher of the year.

Freeman holds a BA and MA from the University of North Carolina at Pembroke, where he received the Outstanding Alumnus Award in 2016.

He served a four-year term on the Red Springs Board of Trustees and a four-year term on the Robeson County Public Schools Education Board, where he also served as vice-chair for one year. He has served in state and national organizations, such as the North Carolina Association of Educators and the National Association of Educators.

Freeman comes forward to “promote business recruitment, progressive leadership, advocate for more grants to enhance downtown revitalization and provide activities for young and old.”

He said he “believes in a city employee retention program and encourages everyone to be proud of Red Springs and make it a great place to live and work.”

Patterson has not submitted any biographical information or statements to The Robesonian.

He retired from the Red Springs Police Department in June 2020 after 30 years of service. Patterson assumed the role of Police Chief in 2010 and first joined the department in April 1990.

Leon St. Charles Grant filed Wednesday for a seat on the Red Springs board of directors.

Incumbent Elma Patterson served her second term on the Red Springs Council of Commissioners on July 2.

As of Friday, the Red Springs mayoral race has been a three-way contest. Nivea Mack filed Thursday, joining outgoing Mayor Ed Henderson and Commissioner Duron Burney in the race for office.

Mack, 37, is the daughter of Victoria Mack and granddaughter of the late LC and Christine Mack, and Vashti Sinclair.

In a statement submitted to the Robesonian, she wrote: “Fellow citizens, I pray that you are all healthy as you read your newspaper. I ask all eligible voters in Red Springs, North Carolina to vote on November 2, 2021. To vote for development, advancement, community well-being, peace, security, and a better future. As we look around, there is one thing that remains constant and that is change. We must work together to effect change. Change takes effort and I ask you on November 2, 2021 to align with me as mayor to make this difference. Nivea Mack is my name, thank you.

PEMBROKE

Incumbents Theresa Locklear and Channing Jones are seeking re-election to Pembroke City Council. They did not submit information to The Robesonian.

WOODEN BRIDGE

Outgoing mayor William Davis and outgoing council member Lena Canady filed for re-election to Lumber Bridge city council on Thursday. Neither candidate submitted biographical information to The Robesonian.

ROWLAND

Incumbent Paul Hunt Jr. is seeking re-election to Rowland’s board of commissioners. He has not submitted any biographical information or statement to The Robesonian.

Wilton Keith Shooter Sr. and Jim Patrick Kelly are also in the running for a seat on the board.

Three seats, including that of mayor held by Michelle Shooter, are in the running. Hunt occupies one of the commissioner’s seats. The other has been vacant for nine months due to the death of Commissioner Marvin Shooter, who held the seat for almost 50 years.

Municipal elections in St. Pauls and Lumberton have been delayed until 2022 due to state legislation and a lull in receipt of federal census information needed to redraw ridings ahead of the 2021 election.

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Ysleta Independent School District takes care of its students https://ottf.org/ysleta-independent-school-district-takes-care-of-its-students/ https://ottf.org/ysleta-independent-school-district-takes-care-of-its-students/#respond Thu, 15 Jul 2021 17:15:54 +0000 https://ottf.org/ysleta-independent-school-district-takes-care-of-its-students/ The Ysleta Independent School District has certainly delivered some calming news when the students return to school. It is unfortunate that there are families struggling in the border region. Normally, when families are struggling financially, budgets are tight for school supplies and sometimes food. That is why Ysleta Independent School District wants to help all […]]]>

The Ysleta Independent School District has certainly delivered some calming news when the students return to school. It is unfortunate that there are families struggling in the border region. Normally, when families are struggling financially, budgets are tight for school supplies and sometimes food.

That is why Ysleta Independent School District wants to help all of his students this year. The District knows that students need their nutrients to be successful academically. As a parent myself, I was totally stunned but overall happy to hear about the district’s plan for the school year.

If you already know that, you have to admit that The District knows how to take care of its students. The Ysleta Independent School District has really gone above and beyond to ensure that students get what they need and are fed nutrients. That’s why the district decided to provide EVERY student with the essentials that every student would need for a school year.

Ysleta Independent School District announced that it will provide FREE school supplies to ALL students. Students will receive their school supply kit on the first day of class. Then on Wednesday, the Ysleta Independent School District shared something even bigger.

The big announcement relieved and maybe even brought some tears to the struggling parents. The district has indicated that each student will have FREE meals (breakfast and lunch) ALL year round. One thing is certain, the Ysleta Independent School District went above and beyond the expectations of the students.

KEEP READING: 50 Activities to Keep Kids Busy This Summer

WATCH: Here are 25 ways to start saving money today

These tips for saving money, whether it’s finding discounts or just changing your day-to-day habits, can come in handy whether you have a specific savings goal or want to save money. money set aside for retirement or just want to withdraw a few cents. It’s never too late to be more financially savvy. Read on to find out more about how you can start saving right now. [From: 25 ways you could be saving money today]
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Biden signs bill to tackle predatory lending https://ottf.org/biden-signs-bill-to-tackle-predatory-lending/ https://ottf.org/biden-signs-bill-to-tackle-predatory-lending/#respond Thu, 15 Jul 2021 10:09:05 +0000 https://ottf.org/biden-signs-bill-to-tackle-predatory-lending/ In recent years, consumer credit protections have withered due to a series of harsh attacks that have either dismissed or dramatically reduced financial safeguards in the market. But yet another victory for consumers, spurred on by a wave of support from ordinary citizens, academics and bicameral lawmakers, signals an important step towards fair financial rules. […]]]>

In recent years, consumer credit protections have withered due to a series of harsh attacks that have either dismissed or dramatically reduced financial safeguards in the market. But yet another victory for consumers, spurred on by a wave of support from ordinary citizens, academics and bicameral lawmakers, signals an important step towards fair financial rules.

The June 30 signing of President Joe Biden ended a misguided rule that favored predatory lending over American consumers.

“These are ‘rent-a-bank’ programs,” Biden said at the June 30 signing ceremony. “And they allow lenders to prey on veterans, seniors and other unsuspecting borrowers, trapping them in a cycle of debt. And the last administration let it happen, but we won’t.

Days earlier, on June 24, a bipartisan 218-208 vote in the United States House of Representatives sent a key change to financial rules to the president’s desk. A few weeks earlier, the Senate had passed the same bill with a bipartisan vote. Using the authority of the Congressional Review Act, the votes sought to eliminate a recently passed bylaw. In this case, the goal was to reject the Office of the Comptroller of the Currency’s (OCC) “real lender” rule issued at the end of the Trump administration.

As the seat of government of the nation, Capitol Hill is a place where a range of interests vie for both attention and influence. Public interest organizations with limited budgets but principled can often find themselves disadvantaged by entrenched interests.

That’s why it’s important to recognize and celebrate overcoming obstacles to forge changes that translate into real benefits for ordinary people and small businesses. Especially for black America and other communities of color, strong steps towards ending the billion dollar financial abuse deserve particular attention. Historically, we have already paid the price for predatory greed.

“Eliminating this damaging OCC rule will prevent more people from being exposed to high interest loans that plunge borrowers into debt and despair,” said Graciela Aponte-Diaz, director of federal campaigns at the Center for Responsible Lending (CRL). “Removing the rule will curb the spread of predatory loans that target blacks, Latinxes and low-income people – many of whom are struggling with the economic downturn. This action will allow states to protect their residents by enforcing their national interest rate laws. ”

As noted earlier in this column, the OCC’s “real lender” rule has given the green light to predatory lenders. By effectively overturning a series of state laws enacted in nearly every state to prevent abusive payday loans, car titles, and installment loans with explosive interest rates of over 100%, the rule came into being. effective end of December 2020. lenders paid fees to banks for using their name and charter to evade state interest rate laws by claiming the bank’s exemption from these laws for itself.

Consumer advocates have called the rule change the “bogus lender” rule because the real lender is the predatory non-bank lender – not a bank.

Reactions to the success of the consumer challenge quickly followed. One of the first public comments came in the form of a joint statement from two key US senators.

“Repealing Trump’s ‘Rent-a-Bank’ rule will help prevent predatory lenders from scamming consumers and charging deceptive loan rates,” noted Senator Chris Van Hollen of Maryland, Member of the US Senate Committee on Banking., Housing and Urban Affairs and resolution co-sponsor.

“The OCC, when it allowed banks to evade state interest rate caps, betrayed working families and attacked states’ ability to protect their citizens from predatory loans,” added Senator Sherrod Brown of Ohio, chairman of the committee. “Congress has shown the people we serve that we are on their side. ”

For California MP Maxine Waters, chair of the House Financial Services Committee, the resolution rids the nation of financial garbage.

The Trump-era ‘True Lender’ rule is a backdoor for non-banks to charge triple-digit interest rates on loans at the expense of consumers in states where voters have passed laws on loans. the cap on interest rates, ”Waters said. “No wonder some call it the ‘bogus lender’ rule. “

The extent of the financial harm resulting from this ill-advised rule has been documented by the National Consumer Law Center (NCLC), a member of a diverse coalition that has advocated repeal.

According to the NCLC, predatory small business lenders are using the bogus lender rule to defend an annual percentage rate (APR) of 268% on loans totaling $ 67,000 to a black restaurant owner in New York City, where the rate d Criminal usury is 25%, and secured by property in New Jersey, where the legal limit is 30%. The lender claimed that a Nevada-based bank’s nominal stake justified its astronomical rate. Nevada has no interest limit on loans.

In another example, OppLoans (also known as OppFi), an online lender, offers 160% APR loans in 26 states that ban triple-digit rate lending. This lender also cited the OCC’s bogus lender rule to defend its loan to a disabled veteran in California, where the usury rate on the loan is 24%. OppLoans is also evading state rate cap laws backed by a large majority of voters in Arizona, Montana, Nebraska and South Dakota. Even in states where legislatures have passed rate caps, the bogus lender rule would have essentially nullified those rate cap protections.

For consumer advocates and their partners in the civil rights, faith and veterans communities, revoking the bogus lender rule is a step toward a national loan rate cap of no more than 36%.

Years ago, the bipartisan enactment of the Military Loans Act granted double-digit rate cap protections to men and women in uniform. It is time for all of America to have the same financial protection.

Charlene Crowell is a senior member of the Center for Responsible Lending.

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Royal Caribbean: all you need to know … https://ottf.org/royal-caribbean-all-you-need-to-know/ https://ottf.org/royal-caribbean-all-you-need-to-know/#respond Sun, 11 Jul 2021 11:14:00 +0000 https://ottf.org/royal-caribbean-all-you-need-to-know/ Credit: Royal Caribbean Sponsored by ROL Cruise Royal Caribbean is an extremely popular cruise line and has become known for leading the way with breathtaking ships and unforgettable cruises. Royal Caribbean has 26 ships, all packed with the most high-tech entertainment at sea. Whether you are looking for a romantic getaway or an adventurous family […]]]>

Credit: Royal Caribbean

Sponsored by ROL Cruise

Royal Caribbean is an extremely popular cruise line and has become known for leading the way with breathtaking ships and unforgettable cruises.

Royal Caribbean has 26 ships, all packed with the most high-tech entertainment at sea.

Whether you are looking for a romantic getaway or an adventurous family trip, the cruise line has something up its sleeve for you.

Food and drink options are plentiful, onboard activities range from surfing to skydiving, and all kinds of incredible entertainment wow audiences.

Here, we explore the history of Royal Caribbean and take a look at the highlight of the line’s most popular ships, including the Anthem of the Seas.

A brief history of Royal Caribbean

1968 – Royal Caribbean International (originally Royal Caribbean Cruise Lines) is founded by three Norwegian shipowners

1970 – Launch of the first Song of Norway cruise ship

1976 – After adding two more ships to its fleet, Royal Caribbean lengthens the Song of Norway by 85 feet

1982 – Song of America launched – the third largest passenger ship at sea with a capacity of just over 1,500 people

1988 – Sovereign of the Seas – the first mega-ship of the modern cruise era – is launched. At 70,000 tonnes, it is almost double the size of Song of America.

The same year, Royal Caribbean bought Little Stirrup Cay, an island in the Bahamas, transforming it into a private “CocoCay” destination.

1993 – Royal Caribbean goes public on the New York Stock Exchange

1995 – Launch of Legend of the Seas – the most luxurious ship ever built by Royal Caribbean

1999 – Voyager of the Seas launched – the first ship that looks more like a seaside resort than a ship and eclipses all other mega-ships

2004 to 2007 – Royal Caribbean spends millions to refurbish older ships

2009 – Launch of the Oasis of the Seas – the largest cruise ship the world has ever seen – weighing 225,282 tonnes and capable of carrying 5,400 passengers

2015 – Launch of the Anthem of the Seas

2020 – Launch of the Odyssey of the Seas

2022 – The launch of the first Project Icon ship is planned

Cococay min

Royal Caribbean has transformed an island in the Bahamas into a private “CocoCay” destination. Credit: Royal Caribbean

Royal Caribbean Fleet

There are currently 26 cruise ships in Royal Caribbean’s fleet:

Sea adventure

Allure of the Seas

Hymn of the seas

The shine of the seas

Enchantment of the seas

Sea explorer

Freedom of the seas

Size of the seas

Harmony of the seas

Independence of the seas

Jewel of the seas

Freedom of the seas

Sea sailor

Sea navigator

Oasis of the seas

Odyssey of the seas

Ovation of the seas

Quantum of the Seas

Shard of the seas

Rhapsody of the Seas

Serenade of the Seas

Sea specter

Symphony of the Seas

Vision of the seas

Sea traveler

Wonder of the seas

Climbing wall

A towering climbing wall is just one activity to keep you busy on some Royal Caribbean cruises. Credit: Royal Caribbean

The most notable ships include Allure of the Seas, Anthem of the Seas, Grandeur of the Seas, Symphony of the Seas, and Wonder of the Seas – that’s what you need to know about ships.

Allure of the Seas

The Allure of the Seas was the world’s largest cruise ship for six years (before sister ship Harmony of the Seas took the title). She sails to the Eastern Caribbean, Western Caribbean and Western Mediterranean through ports of call such as Valencia, Barbados and Naples.

Guests can choose from four cabin categories: Interior, Ocean View, Balcony, and Virtual Balcony. Expect the best Wi-Fi at sea, friendly staff, and 24-hour room service.

When it comes to onboard activities, there are plenty of shopping opportunities as well as action-packed activities including ziplining and mini-golf, while the award-winning Adventure Ocean Youth program will keep the kids happy.

Entertainment includes Broadway shows as well as countless partying and karaoke opportunities.

Restaurants not to be missed are Coastal Kitchen, a Mediterranean fusion restaurant with an a la carte menu, and Samba Grill, a Brazilian steakhouse.

Guests can stay in shape with the plethora of sports classes available, from hip hop sessions to archery lessons.

Climb on board: Six nights in the Western Caribbean from £ 1,494 per person

Hymn of the seas

Anthem of the Seas is the second ship in Royal Caribbean’s revolutionary Quantum Class and the eighth largest cruise ship in the world. She sails to a multitude of beautiful destinations.

The offshore hotel offers unparalleled family suites, a variety of cabins, 28 studio cabins – including 12 with balconies (perfect for solo travelers), and seven suite categories.

The activities are second to none. The SeaPlex is a one-stop-shop for fun activities, featuring the very first bumper cars at sea, a circus school, and sizable sports fields. Other experiences are North Star, a glass capsule that offers breathtaking 360 degree panoramic views and the exhilarating skydiving simulator.

There are also two outdoor pools, four whirlpool tubs, a tranquil adults-only solarium, and even a poolside movie screen.

On the entertainment side, catch the record breaking West End musical We Will Rock You at the beautiful Royal Court Theater, dance the night away at Music Hall, hit the casino, or check out Puzzle Break if you’re looking for a mental challenge. .

A state-of-the-art spa and gym are also on board.

There are 18 restaurants onboard the Anthem of the Seas. The Grande is perfect for formal evenings, Sorrento’s adds a Caribbean twist to New York-style pizza while Izumi serves sushi to order, to name a few restaurants.

Climb on board: 14 nights 2022 No-Fly Mediterranean Cities from £ 2,363 per person

We will rock you min

Royal Caribbean: Watch West End record breaking musical We Will Rock You on Anthem of the Seas. Credit: Royal Caribbean

Size of the seas

Grandeur of the Seas was originally launched in 1995 and underwent a $ 48 million renovation in 2012, providing the perfect blend of modern luxury and classic tradition. She sails in the Mediterranean and the Caribbean.

There are four different cabin categories on board, each enjoying the luxury of 24-hour room service. All suites include a balcony, as well as unlimited use of the concierge and access to the Concierge Club serving canapes and complimentary cocktails before dinner.

Grandeur of the Seas guests can keep busy by visiting the art and photo gallery, soaking up the sun by one of the two pools or six hot tubs, watching the video game room or while reading a book from the library. Without forgetting to have a drink in the many bars and lounges.

Passengers will not miss out on entertainment either. Enjoy professional-quality production at the Palladium Theater where you can take a seat with impressive performances ranging from renditions of “Hairspray” to gravity-defying aerial acrobatics; visit the smaller South Pacific Lounge for adult-only cabaret acts and night comedies; increase your strength on the climbing wall; or try your luck at the casino.

For relaxation, the Vitality Spa is a sanctuary of rest where you can work out in the well-equipped fitness center.

The dining options are numerous: the Great Gatsby Dining Room is the ideal place for an elegant and refined meal; The Windjammer Café is a buffet serving hot and cold delicacies; Chops Grille is a traditional steakhouse and there is a popular Ben and Jerry’s ice cream stand.

Climb on board: Five nights in the Western Caribbean from £ 558 per person

Symphony of the Seas

Symphony of the Seas is the largest cruise ship in the world and sails the Caribbean.

There are a plethora of different cabins to suit all budgets and requirements, whether you’re looking to save money with a loved one or splurge with the whole family. The best cabin of all is the Star Loft Suite – it’s a contemporary split-level loft with crisp space and views.

The activities on Symphony of the Seas are thrilling to say the least – the ship is packed with deck-defying attractions, including the Ten-Story Courage Test, Ultimate Abyss, and the FlowRider twin surf simulators, as well as revolutionary new firsts, such as glow-in-the-dark laser beacon.

Why not head to the spa and fitness center or shop during the day, then settle in for the night at the Bionic Bar, with two robotic bartenders, enjoy a hairspray show or feel the chills during the day. ice skating show?

When it comes to dining, this oceanfront hotel is full of delicious new ways to tempt your taste buds, like the game-changing Playmakers Sports Bar & Arcade. Alternatively, head to Hooked Seafood to sample just shucked oysters and other coastal classics or treat yourself to your favorite treats at Sugar Beach. There’s also a Jamie’s Italian and Starbucks on board, along with other favorites from Royal Caribbean, Chops Grille, Windjammer and more.

Climb on board: Seven Night Eastern Caribbean and Perfect Day from £ 755 per person

Symphony of the Seas min

Symphony of the Seas is the largest cruise ship in the world and sails the Caribbean. Credit: Royal Caribbean

Wonder of the seas

Wonder of the Seas is the latest ship to join the Royal Caribbean International fleet and is sailing to Japan. Hike the foothills of Mount Fuji on an extended visit to Shimizu or explore the traditional side of Tokyo in historic Asakusa on a Wonder of the Seas cruise.

Cabins range from comfortable interior connecting rooms to spacious suites. One of the best is the Ultimate Family Suite where you get your own slide, air hockey table, and ping pong table on your balcony.

Of course, even if you don’t pack this cabin, you don’t miss out on thrills on board. China’s first Oasis-class ship proudly houses the highest water slide at sea, Ultimate Abyss.

On board is also open-air Central Park, lined with upscale shops and elevated restaurants where you can enjoy retail therapy. Meanwhile, The Boardwalk is home to a newly redesigned AquaTheater, an iconic hand-carved merry-go-round, stunning sea views, and plenty of tasty bites, including gourmet hot dogs.

If you’re staying in a suite, you can head to the all-new Suite District where guests can enjoy the most exclusive experiences and amenities in a one-of-a-kind elevated retreat. Be sure to savor a five-star dinner at the Suite-only Coastal Kitchen, where dishes from around the world are prepared with the freshest, highest quality ingredients.

Climb on board: Five nights in Okinawa and Ishigaki from £ 789 per person

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President Biden signs bipartisan bill to curb predatory lending https://ottf.org/president-biden-signs-bipartisan-bill-to-curb-predatory-lending-2/ https://ottf.org/president-biden-signs-bipartisan-bill-to-curb-predatory-lending-2/#respond Fri, 09 Jul 2021 14:15:58 +0000 https://ottf.org/president-biden-signs-bipartisan-bill-to-curb-predatory-lending-2/ By Charlène Crowell (Trice Edney Wire) – In recent years, consumer credit protections have withered due to a series of harsh attacks that have rejected outright or significantly reduced financial safeguards in the market. But yet another victory for consumers, spurred on by a wave of support from ordinary citizens, academics and bicameral lawmakers, signals […]]]>

By Charlène Crowell

(Trice Edney Wire) – In recent years, consumer credit protections have withered due to a series of harsh attacks that have rejected outright or significantly reduced financial safeguards in the market. But yet another victory for consumers, spurred on by a wave of support from ordinary citizens, academics and bicameral lawmakers, signals an important step towards fair financial rules.

The June 30 signing of President Joe Biden ended a misguided rule that favored predatory lending over American consumers. Predatory loans, such as payday loans, have a disparate impact on African Americans and other people of color.

“These are ‘rent-a-bank’ programs,” President Biden said at the June 30 signing ceremony. “And they allow lenders to prey on veterans, seniors, and other unsuspecting borrowers by tapping into the – trapping them in a cycle of debt. And the last administration let it happen, but we won’t.

Days earlier, on June 24, a bipartisan 218-208 vote in the United States House of Representatives sent a key change to financial rules to the president’s desk. A few weeks earlier, the Senate had passed the same bill with a bipartisan vote. Using the authority of the Congressional Review Act, the votes sought to eliminate a recently passed bylaw. In this case, the goal was to reject the Office of the Comptroller of the Currency’s (OCC) “bogus lender” rule issued at the end of the Trump administration.

As the seat of government of the nation, Capitol Hill is a place where a range of interests vie for both attention and influence. Public interest organizations with limited budgets but principled can often find themselves disadvantaged by deep-seated interests.

That’s why it’s important to recognize and celebrate overcoming obstacles to forge changes that translate into real benefits for ordinary people and small businesses. Especially for black America and other communities of color, strong steps towards ending the billion dollar financial abuse deserve particular attention. Historically, we have already paid the price for predatory greed.

“Eliminating this damaging OCC rule will prevent more people from being exposed to high interest loans that plunge borrowers into debt and despair,” said Graciela Aponte-Diaz, director of federal campaigns at the Center for Responsible Lending (CRL). “Removing the rule will curb the spread of predatory loans that target blacks, Latinxes and low-income people – many of whom are struggling with the economic downturn. This action will allow states to protect their residents by enforcing their national interest rate laws. “

As noted earlier in this column, the OCC’s “real lender” rule has given the green light to predatory lenders. By effectively overturning a series of state laws in nearly every state enacted to prevent abusive payday loans, car titles, and installment loans with explosive interest rates of over 100% came into effect late December 2020. High cost payday and installment lenders have paid fees. to banks for using their name and charter to evade state interest rate laws by claiming the bank’s exemption from those laws for itself.

Consumer advocates have called the rule change a “bogus lender” because the real lender is the predatory non-bank lender – not a bank.

Reactions to the success of the consumer challenge quickly followed. One of the first public comments came in the form of a joint statement from two key US senators.

“Repealing Trump’s ‘Rent-a-Bank’ rule will help prevent predatory lenders from scamming consumers and charging deceptive loan rates,” noted Senator Chris Van Hollen of Maryland, Member of the US Senate Committee on Banking., Housing and Urban Affairs and resolution co-sponsor.

“The OCC, when it allowed banks to evade state interest rate caps, betrayed working families and attacked states’ ability to protect their citizens from predatory loans,” added Senator Sherrod Brown of Ohio, chairman of the committee. “Congress has shown the people we serve that we are on their side. “

For California MP Maxine Waters, chair of the House Financial Services Committee, the resolution rids the nation of financial garbage.

“The Trump-era” True Lender “rule is a backdoor for non-banks to charge triple-digit interest rates on loans at the expense of consumers in states where voters have passed laws. interest rate caps, ”Waters said. “No wonder some call it the ‘bogus lender’ rule. “

The extent of the financial harm resulting from this ill-advised rule has been documented by the National Consumer Law Center (NCLC), a member of a diverse coalition that has advocated repeal.

According to the NCLC, predatory small business lenders are using the bogus lender rule to defend an annual percentage rate (APR) of 268% on loans totaling $ 67,000 to a black restaurant owner in New York City, where the rate d Criminal usury is 25%, and secured by property in New Jersey, where the legal limit is 30%. The lender claimed that a Nevada-based bank’s nominal stake justified its astronomical rate. Nevada has no interest limit on loans.

In another example, OppLoans (also known as OppFi), an online lender offers 160% APR loans in 26 states that prohibit triple-digit loans. This lender also cited the OCC’s bogus lender rule to defend its loan to a disabled veteran in California, where the usury rate on the loan is 24%. OppLoans is also evading state rate cap laws backed by a large majority of voters in Arizona, Montana, Nebraska and South Dakota. Even in states where legislatures have passed rate caps, the bogus lender rule would have essentially nullified those rate cap protections.

For consumer advocates, as well as their partners in the civil rights, faith and veterans communities, the revocation of the bogus lender rule is a step towards a national loan rate cap of no more than 36%.

Years ago, the bipartisan enactment of the Military Loans Act granted double-digit rate cap protections to men and women in uniform. It is time for all of America to have the same financial protection.


Source link

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Laguna Woods GRF Board of Directors meets for face-to-face meeting – Orange County Register https://ottf.org/laguna-woods-grf-board-of-directors-meets-for-face-to-face-meeting-orange-county-register/ https://ottf.org/laguna-woods-grf-board-of-directors-meets-for-face-to-face-meeting-orange-county-register/#respond Fri, 09 Jul 2021 02:01:13 +0000 https://ottf.org/laguna-woods-grf-board-of-directors-meets-for-face-to-face-meeting-orange-county-register/ All of the members of the Golden Rain Foundation board of directors met face to face for the first time since the state’s easing of restrictions related to the coronavirus pandemic, in a regular meeting on Tuesday, July 6. . “I am happy to see that our village is open again,” said Chairman of the […]]]>

All of the members of the Golden Rain Foundation board of directors met face to face for the first time since the state’s easing of restrictions related to the coronavirus pandemic, in a regular meeting on Tuesday, July 6. .

“I am happy to see that our village is open again,” said Chairman of the Board, Bunny Carpenter. “I’ve seen a lot of happy faces lately.”

Clubhouses 1, 2, 4 and 5 have fully reopened. Village Management Services CEO Jeff Parker said management is actively recruiting more staff within the recreation department to expand the services and activities available to residents.

Starting Tuesday, Parker said, residents could start booking reservations for individual parties for the next six months – the deadline is Dec.31 – through the recreation department.

Guests under the age of 15 are still prohibited from using any of the pools at this time. Parker has assured that this ban will be lifted once shipping issues over a boiler en route to Pool 1 are resolved, likely in the next few days.

At the county level, COVID-19 numbers remain stagnant.

The OC Health Care Agency reported an adjusted daily case rate of 1.5 per 100,000 population.

The positivity of the tests – the number of swabs and sputum tests that come back with traces of the coronavirus – measured 1.2%, and the health equity metric – the positivity of tests of disproportionately affected neighborhoods – measured 1.4%.

“COVID-19 has not gone away,” Parker said. “People should always take precautions.”

Three more COVID-19 related deaths in the town of Laguna Woods have been reported since mid-July.

Member-guest golf tournament

GRF failed to resolve to reduce the guest fee for the next member-guest tournament from $ 55 to $ 16, the member rate.

Director Jon Pearlstone explained that the concept of the tournament was to welcome golfers of all abilities to play the course and experience the village community at low cost.

Unlike the Memorial Tournament, Silver Seniors Home Games and other fundraising events hosted by the 18-Hole Men’s Golf Club, the purpose of the Guest Member Tournament is not to raise funds, Pearlstone added. .

“The idea is that if the money comes in – which it does – it’s a bonus,” he said.

The reduced fees have been the norm for the member-guest tournament for the past five years, without review by the board, said Brian Gruner, director of recreation and special events.

Despite this, a staff report estimated a loss of revenue of $ 2,808 for the day of the tournament.

Director Maggie Blackwell opposed the fee cut, calling it “unwarranted and unnecessary” at a critical time in the budget.

Blackwell said there was insufficient evidence of need – no precedent that would show lower participation if standard rates applied – while pointing to other local tournament rates that are comparatively competitive. or higher.

“It charges residents for something that doesn’t require a reduction in fees,” Blackwell said.

The board failed the resolution with two directors in favor and seven against.

Golf locker storage fee

GRF passed a resolution that would increase the fees for certain rental services.

According to a report from VMS staff, the Community Activities Committee identified four areas that make side-by-side ‘weak’ market comparisons: facility lockers, golf driving range, caterers serving the club / organization and private parties for residents in GRF facilities and storage. areas.

Lockers in the pool rooms at Clubhouse 1 and the Performing Arts Center, the community center table tennis room, the jewelry room at Clubhouse 4, and the outdoor lockers at Clubhouse 4 would cost $ 25 to rent annually at the suggested rate.

Rental rates for a quarter, small, and large bucket of golf balls would double from $ 1, $ 2, and $ 3 to $ 2, $ 4, and $ 6.

Catering costs for the plates would double from $ 1 to $ 2.

The resolution would also start billing annual fees for storage areas in 2022, starting at $ 25 for a small area, $ 50 for a mid-sized area and $ 100 for spaces measured at five by five feet and above, according to a staff report.

Based on 2019 data, staff are forecasting additional income of $ 108,250 with the proposed changes, according to a staff report.

The board of directors unanimously adopted the resolution. He must now meet a 28 day notification requirement for member review.

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