Money online – Runescape 2 Gold Sale http://www.runescape2goldsale.com/ Sun, 10 Oct 2021 12:16:02 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://www.runescape2goldsale.com/wp-content/uploads/2021/06/cropped-icon-98-32x32.png Money online – Runescape 2 Gold Sale http://www.runescape2goldsale.com/ 32 32 “Are we blowing up? »: McAuliffe and his friends advocate for money online. https://www.runescape2goldsale.com/are-we-blowing-up-mcauliffe-and-his-friends-advocate-for-money-online/ Sun, 10 Oct 2021 11:00:46 +0000 https://www.runescape2goldsale.com/are-we-blowing-up-mcauliffe-and-his-friends-advocate-for-money-online/ Like other emails from the Virginia Democrats, the letters Carville signed have slammed the panic button in recent weeks as the race between McAuliffe and Republican Glenn Youngkin has tightened. Many of these are standard rates, trying to create a sense of urgency among local donors. But others highlight a bigger concern: Carville’s hair. The […]]]>

Like other emails from the Virginia Democrats, the letters Carville signed have slammed the panic button in recent weeks as the race between McAuliffe and Republican Glenn Youngkin has tightened. Many of these are standard rates, trying to create a sense of urgency among local donors.

But others highlight a bigger concern: Carville’s hair. The famous bald strategist turned political celebrity told supporters of the former governor of Virginia that he was “tearing his hair out” on September 1 and 2. By the end of the month, it was too late. “I won’t have much hair anymore,” was the subject line on September 27.

Craze and hyperbole are nothing new to online fundraising. But in Virginia, the posts carry special weight, where Democrats have been on the wrong side of a gap in enthusiasm for their constituents and are struggling financially to keep up with a wealthy, self-funded GOP candidate who has already given his campaign more. of $ 16 million.

“Cook moved it to a tossup,” Carville said in an interview, referring to well-known election forecasters from Cook Political Report. “And I think the people at McAuliffe weren’t upset at all. I think the electoral history is not good at all, for the party that wins the presidency.

Carville’s emails were successful, at least for fundraising. Carville’s emails raised half a million dollars, according to the campaign. And aside from McAuliffe himself and Abrams, Carville is the number one fundraiser for email signers.

As to why he lent his name to dozens of fundraising messages for McAuliffe, his old pal at Clintonworld? “Because I’m an e-mail signing slut,” he said with a chuckle.

Democrats remain intensely focused on firing their base down the home stretch. In most public polls, GOP voters have been more enthusiastic about the upcoming election. The most recent was a poll from the Wason Center at Christopher Newport University on Friday, which showed McAuliffe up 4 points in the poll’s margin of error. But the survey also found that Republican voters were more enthusiastic about the race than Democratic voters, which is consistent with other public polls in the race.

“It’s really, really important, and it’s especially damaging to Democrats,” said Ron Wright, member of the Republican State Central Committee and co-chair of the Northern Virginia Republican Business Forum. Wright said he believed Youngkin’s recent focus on education, where the Republican campaign hammered McAuliffe in TV commercials, would further energize Republican-leaning voters and independents.

Democrats are also grappling with falling Biden poll numbers in the state. A Fox News poll in late September in the state had Biden even among registered voters, with 49% both approving and disapproving, in a state he won by 10 points. And national polls have shown it underwater recently – something McAuliffe himself acknowledged last week.

“We are facing a lot of headwinds from Washington, as you know,” McAuliffe said during a video call with supporters, broadcast by Republicans. “The president is unpopular today, unfortunately, here in Virginia, so we have to fend for ourselves.”

All eyes are on early voting in the state, which began about two weeks ago, for any harbingers of who will participate by the remainder of the election. This is the first gubernatorial election where any voter can choose to vote at the advance poll, either by mail or in person.

So far, more than 255,000 people have voted early, according to data from the Virginia Public Access Project. More people already voted early than in the 2017 elections, before the new electoral laws came into force.

Both campaigns have recently started wasting resources encouraging voters to go to the polls or vote by mail earlier, especially with many voters still unfamiliar with the process.

“Everyone is trying to alert people because we always had the opportunity to vote early, but you had to have an excuse and so it wasn’t used well,” said Ben Tribbett, a longtime Democratic strategist. date based in Virginia. “So it’s something a little new for the state. “

The two clashed almost in quick succession in fundraising throughout the campaign. However, during the most recent fundraising period, which covers July 1-August. On December 31, Youngkin brought in more: $ 15.7 million, backed by a personal loan of $ 4 million, compared to McAuliffe’s $ 11.5 million, according to data from the Virginia Public Access Project. McAuliffe had double Youngkin’s money, $ 12.6 million to $ 6 million, although the Republican candidate could write another check to close the gap at any time.

This is a significant reversal from 2013, when McAuliffe managed to overwhelm then-state attorney general Ken Cuccinelli, significantly overtaking him and overtaking the Republican on TV en route to becoming the first politician to win the race for governor of Virginia while his party controlled whites. House for decades.

The two national parties also spend a lot on the race. During that time, the Republican Governors Association gave Youngkin nearly $ 4 million, while McAuliffe received $ 2.5 million from his Democratic counterpart.

Since the beginning of September, McAuliffe has spent more than his opponent on advertising. Ad Impact, an ad tracking company, found nearly $ 12.1 million in spending in McAuliffe’s campaign, up from $ 9.4 million. (These totals include digital ad spend.)

But that recent edge only comes after Youngkin has been largely undisputed on the air for months. Youngkin immediately kicked off a steady stream of TV commercials right after winning his party’s nomination in May and hasn’t stopped since. McAuliffe was gloomy, meanwhile, from winning the party nomination in early June until late July, but joined his Republican opponent in bombarding state airwaves with TV commercials.

From early October, through Friday afternoon, the two combined to broadcast more than 6,700 TV spots, according to AdImpact data. That number is split almost exactly in the middle, with Youngkin holding a 92-ad lead.



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Fayetteville discusses ideas for using federal virus aid money for park projects https://www.runescape2goldsale.com/fayetteville-discusses-ideas-for-using-federal-virus-aid-money-for-park-projects/ Sat, 09 Oct 2021 06:03:22 +0000 https://www.runescape2goldsale.com/fayetteville-discusses-ideas-for-using-federal-virus-aid-money-for-park-projects/ FAYETTEVILLE – The city’s parks department is hoping to use federal pandemic relief money to at least partially pay for three projects that have long been on its to-do list. The federal government has granted the city $ 17.9 million in US bailout money to help it recover from the impact of covid-19. City administrators […]]]>

FAYETTEVILLE – The city’s parks department is hoping to use federal pandemic relief money to at least partially pay for three projects that have long been on its to-do list.

The federal government has granted the city $ 17.9 million in US bailout money to help it recover from the impact of covid-19. City administrators have asked staff to work with various resident advisory committees to recommend uses of the money to city council. The council is expected to review a plan for the money by the end of this year or early next year.

On Monday, the city’s Parks and Recreation Advisory Council attended a presentation by the Superintendent of Parks Planning, Ted Jack, on the potential uses of the money. The projects included sewer lines and toilets in Underwood Park, equipment in Walker Park, and renovations to the softball fields at Lake Fayetteville.

The projects are expected to fall within the preliminary guidelines the federal government has given for the use of the money, Jack said. The guidelines say the money can be used to address disparities in community health, support tourism or small businesses, damage or increased maintenance needs resulting from increased use of parks during the pandemic, water and sewage infrastructure and environmental issues.

The three projects, if fully constructed, could cost between $ 1.3 million and $ 1.5 million, Jack said. However, all three projects are not expected to be paid, and it is possible that no part of any of them will be paid. The idea is to present the city administration with a menu of options that could go to city council, he said.

Underwood Park opened in May, but has no artificial features. The city acquired the 58-acre park late last year after Craig and Laura Underwood donated land to the former Razorback Golf Course on Deane Solomon Road.

As part of a separate project, the city plans to connect the Clabber Creek Trail near Sam’s Club to Arkansas 112 near the drive-in. The planned connection is located approximately one mile northeast of Underwood Park. The project is slated for 2023 with money from the city’s trail investment fund. The Arkansas Department of Transportation must complete a project to widen and create a trail next to Arkansas 112 before the city can tie into it, trail coordinator Matt Mihalevich said.

Park officials predict that residents will use the trail much more once the connection is complete. There are no city-provided public toilets in the area, so installing sewer lines and toilets at Underwood Park would serve future park users as well as trail users, Jack said.

Craig Underwood, owner of Underwood’s Fine Jewelers on Dickson Street, said he was happy to hear that the city is planning to embark on certain aspects of the park soon. The west side of town is in dire need of more amenities in the park, and it makes sense to install restrooms near the trailhead, he said.

“The city being such a large organization, it evolves at a slower pace, obviously, than a small independent business. It’s contrary to what I’m used to dealing with,” Underwood said. “I know this is just a process, but I can’t wait to see it move forward, and I would love to see it happen as soon as possible.”

Another potential use of federal money would be to build some of the amenities proposed in a one-year plan for Walker Park. In 2017, park officials made conceptual designs for the park. The plan includes an extension of the skateboard park feeding the Razorback Greenway to the west, a small patio or stage, a lawn for spectators or picnics and more playground facilities to the east .

Jack is also considering installing a system to use recycled water from the sprinkler boom for park irrigation and environmentally friendly drainage devices at the Block Avenue parking lot.

Walker Park serves many low-income residents in the southern part of town, so adding additional amenities could meet federal criteria to address disparities in community health, Jack said. The expansion of the skatepark could also serve as a tourist attraction, he said.

Roy Rodezno, of the Northwest Arkansas Skateboarding Foundation, said connecting the skatepark to the greenway would increase the park’s value to the community. The green space would also transform the facility into a “skate garden,” attracting visitors, he said. Organizations such as Rodezno’s would have more modern skate park facilities and obstacles to use for events, which would make money for tourism in the city, he said.

“It’s great that they see this value point of the skate park,” said Rodezno. “There are skaters from all over visiting at all times and this could potentially increase with the addition and the ability to cycle there via the trail. It would also be a good point of tourist value for the northwest of Arkansas as a whole, if we had several skate parks all connected by the trail. “

The Parks Department has heard several complaints from residents about the three softball fields on Lake Fayetteville. The fields are frequently flooded and appear inadequate compared to the renovated softball fields in Gary Hampton Park, Jack said. The city’s youth softball program used the courts until parents complained about the poor conditions. The young participants are now playing Gary Hampton. The Adult Softball League still plays at Lake Fayetteville.

Federal money could help replace grass and dirt fields with artificial turf and improve the way rainwater drains on the site, or potentially update the field’s equipment. game and the concession building, Jack said.

A renovated facility could help generate tourism income with tournaments and generally improve the social, physical and mental well-being of residents, he said.

“All the infrastructure – I think it was all built in the early 1980s or late 1970s,” Jack said. “The stuff has been around for a long time, so it shows its age.”

One of the three ball fields is seen Thursday at Lake Fayetteville. The city’s parks department wants to use the money from the US bailout to renovate fields on Lake Fayetteville, install sewer lines and toilets in Underwood Park, and add activities to Walker Park. Visit nwaonline.com/211008Daily/ for today’s photo gallery. (NWA Democrat-Gazette / Andy Shupe)

One of the three ball fields is seen Thursday at Lake Fayetteville.  The city's parks department wants to use the money from the US bailout to renovate fields on Lake Fayetteville, install sewer lines and toilets in Underwood Park, and add activities to Walker Park.  Visit nwaonline.com/211008Daily/ for today's photo gallery.  (NWA Democrat-Gazette / Andy Shupe)

One of the three ball fields is seen Thursday at Lake Fayetteville. The city’s parks department wants to use the money from the US bailout to renovate fields on Lake Fayetteville, install sewer lines and toilets in Underwood Park, and add activities to Walker Park. Visit nwaonline.com/211008Daily/ for today’s photo gallery. (NWA Democrat-Gazette / Andy Shupe)

No more news

Bailout money

The American Rescue Plan Act is a $ 1.9 trillion emergency legislative package intended to provide the resources needed to address the current public health crisis of Covid-19 and stimulate economic recovery.

The law emphasizes certain areas for funding:

Water and sewer infrastructure

Economically disadvantaged areas

Environmental, social and economic objectives

Source: Fayetteville Parks and Recreation


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Online gambling involving cash is now banned in Karnataka https://www.runescape2goldsale.com/online-gambling-involving-cash-is-now-banned-in-karnataka/ Thu, 07 Oct 2021 13:44:23 +0000 https://www.runescape2goldsale.com/online-gambling-involving-cash-is-now-banned-in-karnataka/ In a major setback for online gaming platforms and all other Karnataka gaming entities falling under the betting or betting category, the government of Karnataka on October 5, 2021 notified the Police Act of 2021 of Karnataka (amendment), (“Act” / “Amendment”) which prohibited any form of online gambling involving the transfer of money. The controversial […]]]>

In a major setback for online gaming platforms and all other Karnataka gaming entities falling under the betting or betting category, the government of Karnataka on October 5, 2021 notified the Police Act of 2021 of Karnataka (amendment), (“Act” / “Amendment”) which prohibited any form of online gambling involving the transfer of money.

The controversial legislation comes against the backdrop of the upcoming T20 World Cup involving a huge stake for online gaming companies including MPL, Dream11, to name a few. In addition, it would undermine Bangalore / Karnataka’s position as the start-up capital of the country, which is home to around 92 gaming companies and employs over 4,000 people.

Key changes

The amendment broadens the scope of certain definitions in section 2 of the Act. Some of the main amendments are:

The definition of the term “Games“under Article 2 (7) has been revised to include online games which involve”all forms of betting or betting, including in the form of tokens valued in terms of money paid before or after their issue, or electronic means and virtual currency, electronic transfer of funds in connection with any game of chance“.

Likewise, article 2 (11) which defines “Playing instruments“has been significantly expanded and now includes”any item used or intended for use as a subject or a means of play, including computers, computer system, mobile or internet application or cyberspace, virtual platform, computer network, computing resource, any communication device, electronic applications, software and accessories or means of online gaming, any document, record or record or evidence of any game in electronic or digital form, the proceeds of any online game or any prize or prize in cash or otherwise distributed or intended to be suspicious of the ‘regard to any game“.

The amendment also introduced a new section 12 (A) which defines “online games” like “games as defined in Article (7) played online by means of gaming instruments, computers, computer resources, computer networks, computer systems or mobile applications or the Internet or any communication device, electronic application, software or on any virtual platform;

In addition, section 78 has been amended to criminalize activities related to the opening of certain forms of gaming centers and to penalize anyone who opens, maintains or uses cybercafés, computer resources, mobile applications, the Internet or any communication device as defined in the Computing Act for online games. The offenses under article 78 were made knowable and liable to security.

The amendment also increased the nature and scope of penalties for various offenses. Violations of Articles 78 and 87 of the Law which deals with gambling in public streets are punishable by imprisonment of up to six months or a fine of up to ten thousand rupees.

The penalties under section 79, which criminalizes the operation of a joint gaming house, and section 80, which criminalizes gambling in a joint gaming house, have been increased to imprisonment for up to up to three years and fined up to one lakh rupee.

Previously, Articles 79 and 80 did not apply to betting in games of pure skill. The amendment removed this exception, also placing games of skill under the ban.

Analysis

Recently in Junglee Games v. Tamil Nadu State[1], the Madras High Court struck down the Tamil Nadu Gaming and Police Act (Amendment) of 2021, which was similar to the Karnataka Amendment, ruling that such a blanket ban was excessive and disproportionate and that it violated article 19 (1) g) of the Constitution.

The High Court of Rajasthan in Saahil Nalwaya v. State of Rajasthan and Ors. [2] has found that Online Fantasy Sports, which operates under the Online Fantasy Sports Platform Charter of the Indian Fantasy Sports Federation, the self-regulatory body of the online fantasy games industry which we have already discussed, are protected under Article 19, paragraph 1 (g) of the Constitution.

The Supreme Court in Avinash Mehrotra v. State of Rajasthan[3], rejected an SLP of a ruling by the High Court of Rajasthan, thereby upholding the judgments of the High Court of Rajasthan, the High Court of Punjab and Haryana and the High Court of Bombay, according to which the games such as Dream11 do not involve any commission of the gambling and betting offense.

Given these judicial positions, the constitutional and legal validity of the amendment is also in question, and the amendment will likely be challenged in court.

Effects of the amendment

Immediately after the notification of the amendment law, online platforms began to geolocate and block access to their applications for users in Karnataka. While MPL and PayTM First appear to have blocked access to their users in Karnataka, other fantastic online sports apps are still trying to interpret and comply with the new legislation.

Industry experts predict that the ban will impact more than 10% of online transactions in the country and lead to a loss of revenue of around 7-12% for the online gaming industry, other than damaging the investor-friendly label of Karnataka.

Conclusion

The move is the latest in many attempts by legislatures in different states across the country to ban online gambling. Such actions are criticized for showing the legislature’s misplaced concern for online gaming, and critics argue for regulation instead of an outright ban. While clarity is needed and the rules that have yet to be framed may help clear the air, the gaming industry may not wait until then to go to court to challenge the blanket ban.


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Schenectady’s Legislature Candidates Delayed on Filing Elections https://www.runescape2goldsale.com/schenectadys-legislature-candidates-delayed-on-filing-elections/ Thu, 07 Oct 2021 00:01:07 +0000 https://www.runescape2goldsale.com/schenectadys-legislature-candidates-delayed-on-filing-elections/ None of the candidates vying for a seat in the Schenectady County Legislature representing the city filed campaign finance documents on time. Brendan Savage sent an email Tuesday alleging his opponent Omar Sterling McGill was not transparent with his campaign finances. He alleged that McGill failed to file the most recent campaign disclosure document – […]]]>

None of the candidates vying for a seat in the Schenectady County Legislature representing the city filed campaign finance documents on time.

Brendan Savage sent an email Tuesday alleging his opponent Omar Sterling McGill was not transparent with his campaign finances.

He alleged that McGill failed to file the most recent campaign disclosure document – the 32-day pre-general report with the state Council of Elections. This report was expected on October 1.

He also alleged that McGill had submitted reports claiming not to have raised or spent campaign funds since May 24.

“Put simply, Mr. McGill knowingly deposited a false instrument with the New York State Board of Elections, which is a misdemeanor. Not only do voters not know where his money is coming from and where it is spent, but he willfully and illegally file information with the State Election Council that he knows to be false, ”Savage said in the statement. ‘E-mail.

McGill attributed the problem to a clerical error on Wednesday and said all documents would be filed and updated by the end of the week.

“My documents are updated as we speak,” he said. “There is nothing we are trying to hide.”

McGill said its campaign treasurer, like all of its staff, are volunteers who also have full-time jobs. He tries to stay on top of his opponent’s attacks and focus on letting residents know what he stands for, he said.

McGill, which hosted a fundraiser on Wednesday night, said residents who receive mail know the campaign is spending money.

State election returns show Savage also failed to file his campaign finance reports on time. Its 32-day pre-general report shows it was tabled on October 2. 2.

Savage said there was a time lag between when his treasurer submitted the general report and when it appeared online. He did not respond to the other two files.

“I think it is very different from the campaign of my opponent who knowingly filed reports saying that no money had been collected or spent since May 24,” he said. “Any voter in District 1 who has received communications from my opponent in the month leading up to the primary will know that this statement to the State Electoral Council is 100% false. “

The website of the State Council of Elections shows that the pre-general filing was released on October 2 at 11:25 p.m.

“There shouldn’t be a significant lag time, but it may not be instantaneous,” said John Conklin, director of public information for the state election office.

He said no one will be fined for a day late.

“But with the electronic filing system, once the treasurer submits it should go straight to the website,” Conklin said.

State election returns also show that Savage did not raise any money between June 25 and October 1, and Savage’s campaign did not spend any money between July 11 and September 27, when he did used 68 cents.

Savage said he plans to raise more money and spend more money, but has reused campaign signs from the primary.

More from The Daily Gazette:

Categories: News, Schenectady County


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Thieves attack man, swept away by unspecified sum of money https://www.runescape2goldsale.com/thieves-attack-man-swept-away-by-unspecified-sum-of-money/ Wed, 06 Oct 2021 15:33:45 +0000 https://www.runescape2goldsale.com/thieves-attack-man-swept-away-by-unspecified-sum-of-money/ Four armed thieves attacked and shot dead a man in Coronation Street in the Cape Coast metropolis of the central region. Eyewitnesses told Adom News that the victim had just withdrawn an unspecified amount of money from GCB Bank Limited to buy something in the market. However, upon arriving at a mattress depot, the robbers […]]]>

Four armed thieves attacked and shot dead a man in Coronation Street in the Cape Coast metropolis of the central region.

Eyewitnesses told Adom News that the victim had just withdrawn an unspecified amount of money from GCB Bank Limited to buy something in the market.

However, upon arriving at a mattress depot, the robbers on two motorcycles passed him and asked him to hand over the money that had been kept in a rubber bag.

The gang then shot their victim in the leg and fled with the loot.

According to the traders, the thieves, on leaving the premises, continuously fired warning shots until they were out of sight.

“We were in our stores when we heard a loud bang. We even thought it was a car tire that had burst to see a robbery in broad daylight.

“They shot the man in the leg and as they left they were shooting indiscriminately in the air, so we all ran away,” said an eyewitness.

Thieves attack man, swept away by unspecified sum of money

Onlookers added that the injured victim was then rushed to hospital.

Wednesday’s incident left many residents and traders in fear.

“We thought these criminal incidents were happening in Accra, Kumasi and the others. We have never witnessed such bloody crimes here before, ”said another.

Meanwhile, the Ghana Police Service attended the scene to restore calm and gather information in order to initiate an investigation.


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Why there has never been a better time to move your mortgage https://www.runescape2goldsale.com/why-there-has-never-been-a-better-time-to-move-your-mortgage/ Tue, 05 Oct 2021 21:01:05 +0000 https://www.runescape2goldsale.com/why-there-has-never-been-a-better-time-to-move-your-mortgage/ The cost of just about everything seems to be increasing. Yet mortgage transaction rates are still close to their all-time low. Experts say historically low interest rates mean you can offset increases in your bills and save hundreds, if not thousands, a year by changing your mortgage. And now is the perfect time to do […]]]>

The cost of just about everything seems to be increasing. Yet mortgage transaction rates are still close to their all-time low.

Experts say historically low interest rates mean you can offset increases in your bills and save hundreds, if not thousands, a year by changing your mortgage.

And now is the perfect time to do it.

Low rates: Experts say historically low interest rates mean you can offset increases in your bills and save hundreds – if not thousands – a year by changing your mortgage

Change and save

“In the coming months, household finances are expected to be strained by energy prices, food prices, as well as rising national insurance payments.

But, one area where many homeowners can save money each month is on their mortgage, ”says Will Rhind, head of advice at online mortgage provider Habito.

When you take out a mortgage you get a special low initial rate, often for a fixed term of two or five years, but once it expires, you are free to upgrade to a new offer.

This month, a record number of homeowners will see their fixed deals come to an end, according to broker L&C Mortgages, which estimates that £ 29 billion in mortgages need to be renewed.

The good news is that it’s now cheaper than ever for many borrowers to remortgage – and by moving your home loan, you could save more than enough to offset the expected annual increase of £ 139 in our energy bills as well. as other cost increases.

Mortgage rates have hit historic lows over the past year and remain among the lowest on record, with several lenders offering offers below 1%.

The best rates are available for people who have a larger interest in their home and take out a longer-term fixed mortgage.

For example, when a homeowner with a 40% down payment and a mortgage of £ 150,000 took out a five-year fixed mortgage in 2016, he would have paid interest of 1.89%. But if they renew now, they could pay as little as 0.94 percent.

This would see their monthly repayments drop from £ 751 to £ 686, saving them £ 780 per year, more than five times the extra they will pay on their energy bills.

The same homeowner who takes out a two-year fixed mortgage would pay just 0.84% ​​interest now, down from 1.19% two years ago in 2019.

The change would save them £ 24 per month or £ 288 per year, covering twice the increase in energy costs.

But someone with a 20% deposit and a £ 150,000 mortgage would have paid 1.45% for a two-year fixed mortgage in 2019 and only see that 1.42% drop today – a saving annual fee of just £ 24 per year.

Avoid high rates

Still, it’s still worth changing the deal instead of letting your mortgage switch to the so-called Variable Standard Rate (SVR), the expensive default rate that lenders charge after the deal expires.

Up to one in four homeowners pays an expensive SVR.

It costs them on average £ 2,540 more per year than those who opt for the best deals, according to L&C analysis.

A homeowner with a £ 150,000 mortgage on their £ 250,000 home typically pays an extra £ 212 per month by staying on the SVR instead of finding a cheaper two-year fixed contract.

The best mortgage rates are available for people who have a larger stake in their home and are on a longer term fixed contract.

The best mortgage rates are available for people who have a larger stake in their home and are on a longer term fixed contract.

Over one year, that’s £ 2,544, enough to cover 18 times the expected average annual increase of £ 139 in energy bills.

You’ll save around £ 400 more now by disabling SVR than last year, as the offers on offer are very competitive, while the SVR remains around 3.82% on average.

“Competition from lenders is fierce and this has helped drive mortgage rates down over the past 12 months.

“This is great news for mortgage borrowers nearing the end of a deal, but it also underscores how important it is to shop around,” says L&C broker David Hollingworth.

The time has come

Mortgage deals may be competitive now, but it might not last long. Last month, the Bank of England warned that it may soon raise the base rate to tackle rising inflation, which peaked in nine years in August, without the help of soaring energy prices.

Any increase in the base rate would drive up mortgage costs and likely coincide with an increase in the cost of living, as the prices of everyday goods like fuel and food are also expected to rise.

Switching to a fixed contract now not only guarantees low rates, but also avoids the unpredictability of the cost of your mortgage over the next few years.

“Borrowers seem to prefer fixed rate mortgages, perhaps because of the budgeting ability and the protection against future interest rate volatility they may offer,” says Darren Cook, independent financial analysts Moneyfacts.

Know the fees

“If your mortgage rate has already expired or will expire in the next six months, now is the time to shop around for a new contract,” advises Will Rhind.

Arrange for a change after your fixed contract is over, so you don’t get charged for the change of lender.

A 5% prepayment charge on a £ 150,000 mortgage is £ 7,500, so the penalty can wipe out savings from lower rates.

Some borrowers can still save by switching to a much lower rate mid-term. Anyone who is re-mortgaged will also have to pay an arrangement fee of between £ 750 and £ 1,500. A broker can advise you if you can save after factoring in the fees.

moneymail@dailymail.co.uk

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The case to be boring with your money https://www.runescape2goldsale.com/the-case-to-be-boring-with-your-money/ Tue, 05 Oct 2021 11:07:21 +0000 https://www.runescape2goldsale.com/the-case-to-be-boring-with-your-money/ The idea of ​​getting rich in flashy ways is not new. After all, Charles Ponzi, for whom Ponzi schemes were named, defrauded investors over 100 years ago with a get-rich-quick scheme based on lies. Today, speculative investments, multilevel marketing companies, and other risky endeavors to generate profits are still enticing traps. You can always leave […]]]>

The idea of ​​getting rich in flashy ways is not new. After all, Charles Ponzi, for whom Ponzi schemes were named, defrauded investors over 100 years ago with a get-rich-quick scheme based on lies. Today, speculative investments, multilevel marketing companies, and other risky endeavors to generate profits are still enticing traps.

You can always leave your money alone in an interest-bearing account and let the time do its thing, but that doesn’t really make for exciting party conversations, does it? We therefore open and close accounts. We invest in hot stocks and sell them at the first sign of bad news. We waste our money because, in our minds, growing wealth is supposed to take effort.

“In almost everything we do, activity pays off: if I want to be a good runner, I should run every day. If I want to be a good painter, I should constantly train, ”Morgan Housel, Collaborative Fund partner and author of“ The Psychology of Money, ”said in an email. “But if you want to be a good investor, the best thing for people to do is don’t trade, don’t tinker, leave it alone – and I think it’s so counterintuitive because it’s so unique to invest. “

In a world full of financial influencers peddling products and friends bragging about buying NFTs, it’s perfectly okay to manage your money in a way that primarily entices you to yawn. Here’s why.


BEING BORING GIVES YOU MORE TIME TO LIVE YOUR LIFE

Managing your money is a necessary chore, and it’s not really fun. Fortunately, we are living in an efficient age. Within minutes, you can set up automatic money transfers that discreetly send your money to separate accounts that serve different purposes. Why keep money management on your to-do list when it can happen on its own while you sleep?

“Money is a way you live your life, not the life itself,” Meg Bartelt, financial planner and founder of Flow Financial Planning, said in an email. “The more complicated, changeable, or scary your investments, the more time you spend working or thinking about them, and therefore the less time you have to live.”

BORING PREVENTS YOU FROM MAKING UNINTENDED DECISIONS

It’s important to take a look at your investment accounts periodically, but obsessing over every move in the market is exhausting and counterproductive. This can lead to reactive decisions that damage your wealth in the long run.

Choosing to be boring with your money is an exercise in letting go of the illusion of total control. Yes, there will always be financial news around the clock, but not everything that happens in the big economy affects you as an individual. Turn off news and stock market alerts on your phone so you don’t want to react. Instead, consciously decide when to watch the news and check your accounts so you can stay informed with less stress.

WHAT IS BORING MONEY MANAGEMENT

– CREATE A PLAN THAT YOU ARE RESPECTING (NOW): Bartelt finds that, whether his clients avoid their money or obsessively follow it, it is because they all feel the same emotion: fear. The antidote is a financial plan based on specific goals and values. “Having a plan is reassuring,” she said. “Once they have the plan, or hell, once they know they’re going to have one, people relax.” Base your savings and investment goals on what you plan to spend in the short, medium and long term. Leave some leeway for life changes and other uncertainties, as these are guaranteed.

– PREPARE FOR EMERGENCIES: There’s nothing particularly appealing about up-to-date emergency funds, life insurance and wills, but if the unexpected happens, these things can help keep you financially stable .

– AUTOMATE YOUR MONEY: Automatically transfer funds from check to savings or check to brokerage account. Contributing to a 401 (k) through your job is automation too, because that money comes straight from your paycheck. Making regular contributions to different accounts and increasing them as your budget allows and your goals change will increase your nest egg.

Once you’ve established your boring financial base, you can sprinkle some riskier investments if you want. But stick to your plan. “You need to actively and continually ignore the pervasive distractions, charlatans and blowers in order to stay true to your own values ​​and goals,” Bartelt said.

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This column was provided to The Associated Press by the personal finance site NerdWallet. The content is for educational and informational purposes and does not constitute investment advice. Sara Rathner is a writer at NerdWallet. Email: srathner@nerdwallet.com. Twitter: @SaraKRathner.

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NerdWallet: What is a financial plan and how do you create one?


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GLOW counties to share approximately $ 3.25 million in cash for opioid crisis resolution | Local News https://www.runescape2goldsale.com/glow-counties-to-share-approximately-3-25-million-in-cash-for-opioid-crisis-resolution-local-news/ Mon, 04 Oct 2021 17:07:59 +0000 https://www.runescape2goldsale.com/glow-counties-to-share-approximately-3-25-million-in-cash-for-opioid-crisis-resolution-local-news/ Attorney General to provide up to $ 1.5 billion to local communities to fight opioid crisis NEW YORK – New York Attorney General Letitia James said today she will begin providing the first of $ 1.5 billion to fight the opioid epidemic. The funds – which will go to the 10 regions of the state […]]]>

Attorney General to provide up to $ 1.5 billion to local communities to fight opioid crisis

NEW YORK – New York Attorney General Letitia James said today she will begin providing the first of $ 1.5 billion to fight the opioid epidemic. The funds – which will go to the 10 regions of the state – come from various settlements that James negotiated following his lawsuit in March 2019 against the various manufacturers and distributors responsible for the opioid crisis.

James said the settlement included the following minimum and maximum amounts for counties in the GLOW region:

n County of Genesee: $ 597,359.78 and $ 1,043,594.62

n Livingston County: $ 570,600.77 and $ 996,846.31

n County of Orleans: $ 347,049.64 and $ 606,299.83

n Wyoming County: $ 346,041.37 and $ 604,538.38

James said the settlement total for the Southern Tier, which includes a regional share, is between $ 14,522,096.97 and $ 26,516,410.21.

The attorney general said the 2019 lawsuit was, at the time, the largest lawsuit in the country against various opioid manufacturers and distributors.

“These manufacturers and distributors were responsible for the massive marketing of opioids to physicians, hospitals, health systems and others, which has led to over-prescribing of drugs in New York and the rest of the country over the years. last two decades. “

The manufacturers named in Attorney General James’ complaint included Purdue Pharma and its affiliates, as well as members of the Sackler family (owners of Purdue) and the trusts they control; Janssen Pharmaceuticals and its subsidiaries (including its parent company Johnson & Johnson); Mallinckrodt LLC and its affiliates; Endo Health Solutions and its affiliates; Teva Pharmaceuticals USA, Inc. and its subsidiaries; and Allergan Finance, LLC and its affiliates. The distributors named in the complaint were McKesson Corporation, Cardinal Health Inc., Amerisource Bergen Drug Corporation and Rochester Drug Cooperative Inc.

Last month, a settlement was announced with Endo, which has already provided $ 50 million to New York State, Nassau and Suffolk counties to tackle the opioid crisis and remove the opioid maker from opioid trial underway in New York.

In addition, last month a settlement that raised more than $ 4.5 billion – of which at least $ 200 million will go to New York – from the Sackler family and the foundations they control, put The Sacklers’ ability to re-manufacture opioids ended, and the shutdown of Purdue Pharma was announced.

In July, an agreement with McKesson, Cardinal Health and Amerisource Bergen that will provide up to $ 1 billion to New York State to fight the opioid epidemic was announced.

In June, a settlement ending the sale of opioids by Johnson & Johnson nationwide that will bring in $ 230 million in New York City alone was announced. The deals with Johnson & Johnson, McKesson, Cardinal Health and Amerisource Bergen have an aggregate value of around $ 26 billion.

The cases against Mallinckrodt and Rochester Drug Cooperative are now proceeding separately in the United States bankruptcy court.

The trial against the two remaining defendants – Teva Pharmaceuticals USA and Allergan Finance – is currently ongoing and is continuing in state court.

Under the new law establishing the Opioid Settlement Fund, all funds raised by the state from opioid settlements or court victories will be allocated specifically to reduction efforts in communities devastated by the opioid epidemic and will not go to the general state fund.

Every region, and especially every county in the state, will receive millions of dollars for prevention, treatment and recovery programs to fight the opioid crisis.

The numbers below represent the minimum and maximum amounts each region can receive from settlements with Johnson & Johnson, McKesson, Cardinal Health, Amerisource Bergen, and Endo. The more locations across the state that accept the terms of these various regulations, the more each location is eligible to receive. The figures below do not include payments from Purdue Pharma or the Sackler family, as the regional breakdown for these settlements is still being finalized. These funds, along with any funds from future or pending litigation, would be in addition to the funds announced by James today.


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White Money wins BBNaija’s N90m Grand Prize – The Sun Nigeria https://www.runescape2goldsale.com/white-money-wins-bbnaijas-n90m-grand-prize-the-sun-nigeria/ Sun, 03 Oct 2021 20:41:47 +0000 https://www.runescape2goldsale.com/white-money-wins-bbnaijas-n90m-grand-prize-the-sun-nigeria/ By Tosin Ajirire and Rita Okoye The battle for a N90million grand prize on the Big Brother Season 6 reality show Naija ended yesterday with White Money coming out the winner. The show kicked off on Saturday July 24 with 12 male competitors while 12 women joined the next day. These were Boma, Saga, Pere, […]]]>

By Tosin Ajirire and Rita Okoye

The battle for a N90million grand prize on the Big Brother Season 6 reality show Naija ended yesterday with White Money coming out the winner.

The show kicked off on Saturday July 24 with 12 male competitors while 12 women joined the next day. These were Boma, Saga, Pere, Yousef, White Money, Niyi, Jay Paul, Yerins, Emmanuel, Samie, Cross, Kayvee and Michael.

Others included Mini, Angel, Maria, Liquorose, Beatrice, Peace, Princess, Tega, Sarskay, Jackie B, Arin, JMK and Queen.

Theme: “Shine Ya Eye” and sponsored by Abeg in association with Patricia, the 10-week show followed the lives of roommates as they interacted and competed to win N90million in prizes, the world’s largest TV show -reality in Africa.

BBNaija was broadcast from 7 p.m. on DStv 198 and GOtv 29 with simultaneous broadcast on Africa Magic Showcase, Africa Magic Urban and Africa Magic Family. And for the first time, fans of the UK reality show got access to it via the African online streaming service, Showmax.

According to MultiChoice Nigeria CEO John Ugbe, “With each season of BBNaija, we strive to deliver great content that will increase enthusiasm and meet the entertainment needs of our customers. For this sixth season, we have made every effort to offer our customers a show like never before in Nigeria with the best practices of end-to-end production according to global health and safety standards. “

This season, however, there has been no SMS voting. All votes were cast on the Big Brother Naija website and mobile site as well as the MyDStv and MyGOtv apps.

Get Paid Up To N850,000 Per Week, A Step By Step Guide On How To Work From Home And Get Paid In US Dollars. Click here to apply today.


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Criminals arrest victims at knife threat to give them access to online banking services https://www.runescape2goldsale.com/criminals-arrest-victims-at-knife-threat-to-give-them-access-to-online-banking-services/ Sat, 02 Oct 2021 21:23:00 +0000 https://www.runescape2goldsale.com/criminals-arrest-victims-at-knife-threat-to-give-them-access-to-online-banking-services/ TERRIFIC new form of theft is helping fuel a £ 109million cybercrime wave. A Sun on Sunday investigation today reveals that armed criminals arrest victims on the streets, force them to access their online banking application and transfer the content to “mule” accounts which are then emptied of their money. 2 New form of cybercrime […]]]>

TERRIFIC new form of theft is helping fuel a £ 109million cybercrime wave.

A Sun on Sunday investigation today reveals that armed criminals arrest victims on the streets, force them to access their online banking application and transfer the content to “mule” accounts which are then emptied of their money.

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New form of cybercrime sees gun criminals forcing victims to log into their online banking before emptying moneyCredit: Shutterstock

This is just a new, targeted web-based weapon used by organized gangs, preying on the millions of people who switched to mobile banking during the Covid pandemic.

It has increased cybercrime by 97% in the past year alone.

And although online theft is seen as the work of anonymous criminals operating from a screen, our investigation today reveals how it is now spreading on our streets.

New Wild West

Experts blamed the upsurge in violent assaults on banks encouraging customers to move online, with three in five Britons having downloaded a mobile banking app.

Monty Munford, a tech expert who once lost £ 25,000 in a financial scam, warned: “Anyone with a financial app on their phone should know he’s been ducked up for the violent criminals who target more and more innocent members of the public. with violence and destroying their lives. Banks need to do more to prevent mobile apps from being so easy to exploit and infiltrate for criminals. “

The Sun Sunday can reveal that police have faced an increasing number of road theft-type incidents over the past year.

In the most shocking case, a gang terrorized multiple victims in Manchester within 24 hours. One of them was told by the gang that he would be shot unless he handed over the PIN codes for his phone app.

The gang also targeted a teacher, telling him he would be stabbed or killed if he “tried anything”. His watch and phone, containing his banking app, were among the stolen items.

Police arrested Dean McDonagh, 20, and brothers Jack and Owen Parkes, 20 and 18. All three were jailed last September. Kirsty Walls, a senior crown attorney, later said: “It was a series of really terrifying robberies.”

However, the incidents are far from being one-off. It recently emerged that last year a cooler and terrified student at Canterbury Christ Church University in Kent was held at knife threat by a gang for 20 minutes and forced to transfer £ 6,000 from Bitcoin.

Britain’s largest police force said it was facing a series of similar incidents in London.

Earlier this year, a 20-year-old man from north London was attacked on his way back from a pub, dragged down an alley and threatened by two men. After forcing him to open his smartphone banking app, the attackers demanded that he transfer £ 10,000 to another account. Fortunately, the victim’s bank was able to recover the funds. But thousands more are not so fortunate.

It was a series of really terrifying thefts.

Kirsty Walls, Senior Crown Attorney

A review of fraud cases by the financial ombudsperson found that almost 60% of the money stolen was never returned.

He said the banks “were unwarrantedly refusing reimbursement”, “failing to take into account all the circumstances of the scam” and “failing to give reasons for their conclusions.”

Even victims who managed to recover money were only offered 50% of their losses.

The report, which covered major banks such as Barclays, Co-op Bank, HSBC, Lloyds, NatWest and Starling, also found stark differences in fraud refunds. One UK bank has fully reimbursed 59% of fraud victims, while two others have reimbursed one and three percent.

Yet, as fraud grows, so does our use of mobile banking apps.

According to the most recent statistics, 59% of people have a banking app, which is 9% more than social media apps.

silver mules

Yet this move to the Internet is creating a new Wild West in online crime.
Internet fraud, where a criminal accesses a customer’s bank account using personal information and compromised passwords, increased 69% in the first six months of 2021, from £ 64million to £ 109million. The number of cases increased 97% to 41,917.

Mobile phone fraud, where a criminal accesses a customer’s bank account through a banking app, is also skyrocketing. Losses reached £ 17million in the first six months of 2021, up 127% from the same period in 2020.

Experts say young people who struggle to find work during the pandemic are being targeted online by criminals who seek to use them as “money dumbs.”

Criminals are preying on the Covid generation and those struggling to find work by using bogus online job postings to recruit mules of money.

Katy Worobec, Managing Director of Economic Crime at UK Finance

Fraudsters persuade them to “lend” their bank accounts so that they can launder illicit profits through them. According to UK Finance, which represents the banking and financial industry, more than four in ten cases involved victims between the ages of 21 and 30, with the number rising 76% in the first six months of this year, from 8,107 to 14 289.

Just this week the Sun on Sunday found a series of online ads offering up to £ 10,000 for mules to sign up. Katy Worobec, Managing Director of Economic Crime at UK Finance, said: ‘Criminals are preying on the Covid generation and those struggling to find work by using bogus online jobs to recruit silver mules.

“We urge everyone to be cautious of offering quick and easy money.”

24 HOUR FLIGHT SPEED

The three-man gang, left to right, brothers Owen Parkes, 18, and Jack Parkes, 20, as well as Dean McDonagh, 20, terrorized multiple victims in Manchester for 24 hours.

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The three-man gang, left to right, brothers Owen Parkes, 18, and Jack Parkes, 20, as well as Dean McDonagh, 20, terrorized multiple victims in Manchester for 24 hours.

THIS three-man gang, left to right, brothers Owen Parkes, 18, and Jack Parkes, 20, as well as Dean McDonagh, 20, terrorized multiple victims in Manchester for 24 hours.

One of them was warned that he would be shot if he did not hand over the PIN codes to his phone app. A teacher was told he would be killed if he “tried anything”.

His watch and phone, containing his banking app, were among the stolen items.

All three were jailed for terms ranging from two years to four years nine months in September last year.

‘IT’S A GOLD MINE’

Richard Emery, 4Keys International fraud consultant

Unfortunately, we are seeing more and more cases of industrial style assaults where criminals get a victim’s bank credentials.

In recent years, and particularly through the Covid pandemic, banks have encouraged more and more customers to carry out their banking transactions online and via their applications.

This reduced bank overhead costs, but it clearly created a dangerous new gold mine opportunity for criminals, and banks should be doing a lot more to protect their customers from fraud.

The amount of money returned by banks is disgracefully low. For any such theft, banks are responsible for refunding any money taken from someone’s account without their permission.

Banks could – and should – do a lot more in this area, including introducing 24-hour payment terms to allow customers to approve larger transactions.

Cyber ​​security reporter Zak Doffman discusses massive WhatsApp flaw that allows people to spy on you


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