Cali Menteur Thu, 12 May 2022 08:48:25 +0000 en-US hourly 1 Cali Menteur 32 32 Emeli Sandé wants to “heal people” with her new album – Music News Wed, 11 May 2022 07:07:55 +0000

Emeli Sandé wants to “heal people through music” after the pandemic.

The 35-year-old singer – whose latest album ‘Let’s Say For Instance’ was released on May 6 – admitted she had been thinking about her friends working as doctors during the global health crisis and wanted to do what she could to help.

Appearing on ‘The Rebecca Judd Show’ on Apple Music 1, she said, “I really want to give people freedom with music and certainly during lockdown because I was studying medicine.

“I have a lot of friends who are now doctors and obviously we talk so much about the NHS, the frontline workers.

“I was like, ‘Whoa, what good is that to me? Music is a wonderful thing to entertain and it’s… I’m privileged and I love making music. It’s great for me, but what am I really giving to people, and how can I heal through music?’

“So that was something that was always on my mind. Through music, how can I connect and heal and give something beyond entertainment?”

Emeli revealed that her goal was to give people “a bit of freedom” while listening to the record and to take them on a journey.

She added, “I just want to give people headspace from the beginning of the album to the end, just a bit of freedom and a place where they can feel encouraged, inspired and also have a little fun.”

Meanwhile, the album’s title came from a desire “to inspire thought and be in control of your destiny”.

She explained: “I think a lot of people get stuck in depression or low vibes because they just don’t think a better or brighter future is possible.

“So I was like, ‘Okay, let’s say for example it is.’ Forget all the things that will… logically it won’t happen, it’s… Let’s say for example you deserve a good life Let’s say for example you deserve love in your life.

“The future is going to be amazing. Let’s just say for example, he can just put that little bit of hope in somebody’s head and then we move on.”

The expert opinion on Burnley’s finances and the questions raised by the club’s ‘worried’ accounts Wed, 11 May 2022 05:04:00 +0000

Football finance expert Kieran Maguire believes there is reason to be concerned by Burnley’s most recent club accounts amid an uncertain financial situation at Turf Moor.

The accounts were released last week and showed the extent of the club’s debt following the leveraged buyout by ALK Capital, which completed in December 2020. As part of the deal, ALK borrowed 65 million to MSD Holdings and the accounts reveal a significant part of that. will have to be reimbursed if the Clarets are relegated.

The club’s cash reserves fell from £80m to £50m last June and the situation has likely changed since then. Burnley have also taken out a £12.5million loan from Australian firm Macquarie Bank on a transfer payment due from Newcastle United for the Chris Wood deal.

READ MORE: Burnley take out £12.5m loan for Wood Newcastle United transfer installment

The striker moved to St James’ Park in January after Newcastle activated a £25million release clause in his contract. The second installment is due in February 2023 and the Clarets chose to take out a loan to ensure they have the money now, rather than waiting 12 months.

This means that the transfer installment will instead be paid to Macquarie Bank and there will be interest attached, which should be around 8%. The process is not uncommon in football as clubs often believe that having cash on hand can provide flexibility in the transfer market, while it is common for transfer fees to be paid in many times, as is the case with the Wood deal.

But the decision to take the loan, coupled with the accounts, means Maguire is wary of the club’s financial situation, which would be made worse if the Clarets were relegated given that around 90% of their turnover came from the broadcast money and the payroll of around £86m accounts for 76% of their spend. Although the club would benefit from parachute payments should they end up in the Championship, it would also be necessary to sell players.

Maguire, speaking to Lancs Live, said: “The problem for Burnley is that the parachute payments would effectively be used to pay off the loan and that would put pressure on wages and Burnley would have to sell players. An £86million Premier League wage bill is not sustainable in the Championship and you’re likely to need a financial reset at the club and to do that you’re selling players so you’re watching Pope, McNeil, can -be Taylor and others.

“We’ve also seen the club take that loan from Macquarie and under normal circumstances I have no problem with that as it happens on a fairly regular basis. But for a club that had £50m in the bank as recently as ‘ last June to suddenly take out payday loans, you’re like ‘they spent a lot of money really fast’ and that’s where the unease begins.

“You only borrow money and therefore only pay interest, normally around eight or nine per cent, so you will only pay if you need the money. If you had £50m in the bank , in theory, you wouldn’t need it.

“Did they spend a lot of money on salaries? It’s not the Burnley style. They haven’t spent a huge amount on the transfer market either, suggesting the money has gone elsewhere. So was it used to fund payments to former owners? And we don’t know what’s going on there, but that doesn’t make you too comfortable.

Burnley’s accounts were always going to show a high debt figure given the nature of the takeover and the amount of borrowing involved. Chairman Alan Pace has always declared his faith in the financial model and the Clarets recorded a relatively small operating loss of just over £5million, the third lowest in the top flight. Pace has not publicly commented on the accounts – which have not been posted on the club’s website homepage or posted on the club’s social media – since they were published and the club declined to comment when he was approached by Launches Live.

ALK have invested in infrastructure around Turf Moor and spent money on the transfer market, and they are willing to take more recruitment risks to try to build Burnley as a Premier League club, while Pace has always reiterated his desire to keep the club on sound. financial base. Relegation would further affect finances and Pace has previously said it will mean the departure of some of Burnley’s top talent.

That’s the risk of a leveraged buyout – as Maguire concludes: “I teach leveraged buyouts and they’re high rewards when they work and high risk when they don’t. And it’s not looking good, if I was a Burnley fan and they were in the Championship next season would I think they could keep the core of their squad and come back up like they did? did in 2016? I don’t think I would be confident.”

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]]> QuickQuid and Pounds to Pocket borrowers receive payment news Sat, 07 May 2022 15:00:00 +0000

Borrowers who were mistakenly sold loans they couldn’t afford by two companies that went bankrupt will receive a little more than they expected.

Around 78,500 QuickQuid and Pounds to Pocket borrowers will be reimbursed some of the interest and fees charged to them at a rate of 53.5p for each pound due over the next two weeks, it has been confirmed.

Co-directors at Grant Thornton originally said borrowers should expect a payment of between 30 and 50 pence per pound in interest, fees and charges paid on their badly sold loans, plus 8% interest. But this week they contacted customers to say they will in fact receive 53.5p per £1 owed, plus interest.

Read more: More families are turning to payday loans as the cost of living crisis rages

The update comes after CashEuroNet, of which payday lenders QuickQuid and (formerly known as Pounds to Pocket) were part, went into administration in 2019 and ceased lending.

The claims portal for those who believed they were mis-sold a loan closed last February, so it’s too late to start a new claim. Customers who claimed before then should have received a decision on their claim by the end of June 2021, and another email this week detailing the amount they will recover. It is also too late to appeal decisions made by Grant Thornton, as borrowers had 21 days from receiving an initial decision on their application in June 2021 to do so.

When you submitted an application, you were required to include contact details, as well as the bank details you used when taking out your loan, and these will be the details that Grant Thornton will use to provide updates on your application. Any payment due will be transferred this week or the next.

It is now too late to update your contact details with Grant Thornton. A check will therefore be sent to the address you indicated during your complaint. If your address is no longer correct, contact CashEuroNet customer service on 0800 0163 250.

Payday loans and other short-term loans have been largely poorly sold and dozens of short-term lenders have gone bankrupt, including former Newcastle United sponsor Wonga, leaving customers with legitimate complaints to get dramatically reduced payments – or even finding it too late to complain if their lender has gone bankrupt.

If you couldn’t afford to repay the loan, or the lender didn’t properly check your finances, you may be able to get your money back, as lenders need to review your finances to make sure you can pay the loan. loan and fees. If, as was often the case, this was not done correctly and the money was not to be loaned to you, or the costs or repayment schedule were unclear, you were mis-sold .

Citizens Advice has a guide to making a complaint, including a sample letter to send to your lender here.

Read more :

]]> “Music is here to help people” – 98KUPD – Real Rock from Arizona Fri, 06 May 2022 10:54:49 +0000

Matt Hayward/Getty Images

If you had to describe AWOLNATIONfrom the guest-packed new covers album, it would be hard to find a better word than “fun.”

The compilation, titled My echo, my shadow, my blankets and mefinds the “Sail” outfit taking songs such as Scorpios“Wind of Change” with incubusBrandon Boyd and Portugal. the man and midnight oil“The Beds Are Burning” with rise up againstfor ABBA“Take a Chance on Me” featuring Jewel and Madonna“Material Girl” with Hansenit is Taylor Hanson.

For the AWOL leader Aaron Brunotrying to create something as fun as possible amid the doldrums of the onset of the COVID-19 pandemic seemed like the best option he had.

“Music is there to help people, it’s supposed to be fun,” Bruno told ABC Audio. “When it can be light, it’s a good thing. This is generally the attitude that I adopted to carry out this whole project.

Work on my echoshares Bruno, was a good alternative to “watching negative news all the time and living in a constant state of panic.”

“I was able to kind of lean on the connectivity with these different artists that joined me,” he says. “It was very therapeutic for me.”

Bruno adds that he is “happy and grateful” for all the guests who “agreed to do this madness” with him. Collaborating with so many different people on one record was also a unique experience for Bruno, who is the main driving force behind AWOLNATION.

“It’s like I’m in a band again all of a sudden,” he says. “I haven’t done this in a while. So that’s good too.

My echo, my shadow, my blankets and me came out today. AWOLNATION will kick off a US tour in October.

Copyright © 2022, ABC Audio. All rights reserved.

Governor Hochul Signs Legislation Strengthening Consumer Protections and Addressing Inequities in the Financial Services System Thu, 05 May 2022 18:15:33 +0000

Governor Kathy Hochul today signed legislation that strengthens consumer protections and addresses inequities in the state’s financial services system. The legislation (S.1684/A.8293) directs the Department of Financial Services to conduct a study of underbanked communities and households in New York City and make recommendations to improve their access to financial services. The legislation (S.4894/A.1693) protects consumers from potentially dangerous banking products by prohibiting the issuance of unsolicited postal loan checks.

“This legislation is the first step in addressing the lack of safe and accessible banking services that contribute to inequities in our state’s financial system,” Governor Hochul said. “Dangerous postal loan checks and banking deserts prevent already underserved New Yorkers from safely accessing the services they need to build wealth and pursue economic prosperity. I am proud to sign this legislation that will strengthen consumer protections for New Yorkers and explore ways to bring these much-needed resources to consumers.”

“Protecting consumers and implementing data-driven policies to help build a fairer and more resilient financial sector in New York is a top priority for DFS,” said Superintendent of Financial Services Adrienne A. Harris. “We look forward to engaging with all stakeholders to shed light on the current state of financial services in underserved areas and to offer collaborative recommendations to increase access to financial services for the benefit of all New -Yorkers.”

The legislation (S.1684/A.8293) directs the Department of Financial Services to conduct a study of underbanked communities and households in New York City and make recommendations to improve their access to financial services. Access to safe and affordable financial services is necessary to achieve financial stability, but far too many New Yorkers are either unbanked, without access to a checking or savings account, or underbanked, with access to some banking services but also need to use alternatives and riskier financial services like payday loans. This bill will update the number of unbanked and underbanked households and analyze the data to develop an assessment for the New York State Department of Financial Services to more effectively assist these communities.

Assembly Member Patricia Fahy said: “Far too many communities in New York State do not have equitable access to our financial system and our banking services. Often it is our underresourced communities and communities of color, while a lack of banking services contributes to the financial instability that keeps New Yorkers from building I thank Governor Hochul for signing my legislation that will require the Department of Financial Services to update its list of underbanked and unbanked households in New York, to further help these New Yorkers achieve financial stability and reach their full economic potential.

The legislation (S.4894/A.1693) protects consumers from potentially dangerous banking products by prohibiting banking institutions from issuing unsolicited postal loan checks. A postal loan check is an unsolicited loan offer that is sent through the mail that, when cashed or deposited, binds the recipient to the terms of the loan, which may include high interest rates for several years. The practice of mailing unsolicited loan checks can be confusing and dangerous to consumers and this legislation will protect New Yorkers from the associated risk.

State Senator James Sanders Jr. said: “Safe and affordable financial services are necessary to establish financial stability, but banks see low-income families as a burden. Many of these people live check to check and find it difficult to leave the minimum amount over accounts, forcing banks to charge an unreasonable overdraft S.1684/A.8293 will help ensure that communities with significantly more unbanked and underbanked households get the assistance they need on the In addition, S.4894/A.1693 protects consumers from unsafe banking products by prohibiting banking organizations from issuing mail-order loan checks without a request or request. unsolicited money received in the mail can be cashed by an unknown recipient causing the recipient to repay the loan.This bill would avoid this problem.

Assemblyman Gary Pretlow said: “I am pleased to be one of the sponsors of this legislation correcting this dangerous banking practice of sending unsolicited loan checks through the mail. This has caused unnecessary hardship for consumers when checks were in cash in their name. without any knowledge of those transactions. This bill will undo that problem before.”

COVID woes prompt more states to require financial literacy courses Tue, 03 May 2022 18:11:36 +0000

Elaine S. Povitch


Studies have long shown that high school students are woefully misinformed about personal finances and how to manage them. But the COVID-19 pandemic, which has revealed how many American adults are living on the financial edge, has spurred ongoing efforts to make financial literacy classes a school requirement.

Seven states now require a stand-alone financial literacy course as a high school graduation requirement, and five more state requirements come into effect within the next year or two. About 25 warrants at least some financial training, sometimes as part of an existing course. This year, about 20 other states have considered establishing or expanding similar rules.

Opponents of state mandates say the requirements, while laudable, may encroach on the limited time available for other high school electives and would impose costly demands on teacher training or hiring.

Nevertheless, financial literacy courses are gaining ground.

“I think there’s a lot of momentum now; many more states have legislation pending,” said Carly Urban, an economics professor at Montana State University who has studied financial literacy. In seven states — Alabama, Iowa, Missouri, Mississippi, Tennessee, Utah and Virginia — “almost all schools require it,” she said, though some graduation prerequisites don’t come into play. force only in 2023.

Over the past two years, Nebraska, Ohio, Rhode Island, and most recently Florida have passed laws making financial literacy a staple in high schools within a year or two. In North Carolina, graduation requirements take effect in 2023.

Thirty-four states and the District of Columbia introduced financial literacy bills in the 2021-22 legislative sessions, according to the National Conference of State Legislatures. Of these, about 20 focus on secondary schools.

The Kentucky and District of Columbia bills appear to take into account that student-athletes are now allowed to earn money for the use of their name, image or likeness. None of the measures require secondary schools to teach financial literacy. But Kentucky invoice, which the governor signed, requires colleges to implement financial literacy workshops for student-athletes. The DC invoice Encourage colleges hosting student-athletes to teach financial literacy.

Last month, Republican Florida Governor Ron DeSantis signed a invoice
calling on students entering high school in the 2023-2024 school year to take a financial literacy course as a condition of graduation. The new law provides a half-credit course on personal money management, including how to open and use a bank account, the meaning of credit and credit scores, types of savings and investments and how to get a loan.

At a signing ceremony, DeSantis touted the law as something that “will help improve the ability of students in financial management, when they find themselves in the real world.”

Financial literacy is an issue that is remarkably bipartisan. Rhode Island Governor Dan McKee, a Democrat, looked a lot like DeSantis when he sign Rhode Island’s requirement for financial education in high schools last year.

“Financial literacy is key to a young person’s future success,” McKee said. “This legislation paves the way for our public high schools to provide young people with the skills they need to achieve their financial goals.”

Urban, from Montana, said state policies that require stand-alone financial literacy courses help students the most, especially if states set standards on what topics should be included in the curriculum. . Most courses last one semester.

Some states use materials provided by the nonprofit Next Gen Personal Finance, which offers a free study guide and classroom materials for teaching financial literacy, to help set the standards, while others have expanded units already included in economics, math, or social studies courses.

Next Gen’s free courses include tutorials for teachers, plus in-class study guides on topics like managing credit, opening checking and savings accounts, budgeting, paying for school academics, investing, paying taxes and developing consumer skills.

In a 2018 study, only a third of adults could answer at least four of five financial literacy questions on concepts such as mortgages, interest rates, inflation and risk, according to the Foundation for Financial Literacy. Financial Industry Regulatory Authority Investor Education. Financial literacy was lower among people of color and youth.

According to the Organization for Economic Co-operation and Development, about 16% of 15-year-old American students surveyed in 2018 did not meet the basic level of financial literacy skills.

But with a little education, those numbers can improve, according to Urban studies.

“The results are striking,” she said in a phone interview. “Credit scores go up and delinquency rates go down. If you’re a student borrower, you go from low to high interest, you don’t accumulate credit card debt, and you don’t use private loans, which are more expensive. Additionally, his research found that young people who have taken financial literacy courses are less likely to use expensive payday loans.

Even the teachers who run the classes tend to see an increase in their savings.

“If access remains limited – especially for students who have the most to gain from education – state policy may be the only option to ensure all students have access to personal finance before becoming financially independent,” Urban wrote in a 2022 study of high school personal finance courses.

The California Assembly Committee on Education unanimously approved a high school financial literacy bill last week. Committee chairman Patrick O’Donnell, a Democrat and former high school economics teacher, said financial concepts like individual retirement accounts, Roth IRAs, loan terms and other things are “difficult to understand… in their head”.

Educators need resources to teach these concepts, he said, noting that when he was a teacher he wrote his own course materials for teaching financial literacy.

The COVID-19 pandemic has underscored how few Americans are prepared for financial emergencies, giving new impetus to financial literacy requirements, according to John Pelletier, director of the Center for Financial Literacy at Champlain College in Vermont. “COVID woke people up,” he said in a phone interview.

He cited a 2020 Federal Reserve study that showed many Americans couldn’t come up with $2,000 in an emergency, and “it really hit home when people were forced off work. and collect a paycheck. If policymakers haven’t found a way to get money from people, we’re dealing with more than just paying the rent; we face hunger and homelessness.

Pelletier estimates that about 30% of public school children now have access to financial literacy classes.

But not all financial literacy bills made it through the legislative process. A invoice in Wisconsin this year died after objections from the Wisconsin Association of School Boards.

Ben Niehaus, director of member services for the association, said his group agreed with the intent, but was concerned about the rapid one-year timeline and the possibility of “compromising elective choices”.

The bill’s sponsor, Republican State Rep. Alex Dallman, said in a phone interview that he hopes to reintroduce the bill next session, possibly with only a half-credit course. .

“In our current economy, we’re taking out massive loans, not paying them back, and we have to be smarter about how we handle money,” he said. He added that technical schools across the state like the idea of ​​teaching finance because it could lead more students to conclude they should forgo an expensive college education for a lucrative career in the trades.

But Niehaus said a financial literacy requirement could take time out of vocational electives, such as manufacturing courses, that many Wisconsin high schools have started offering.

“We try to add these experiences to meet the needs of the labor market with more than a high school diploma and less than a four-year diploma. There are only so many hours in a day,” Niehaus said.

“Yes, it’s important, but career and technology education is also important, and we think local school boards should decide.”

Stateline is a nonpartisan, nonprofit news service of Pew Charitable Trusts that provides daily reports and analysis on trends in state politics.

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Blossoms on track for third UK number 1 album E! News UK Tue, 03 May 2022 17:33:59 +0000 Blossoms are set to score this week’s No. 1 album with Ribbon Around the Bomb.

Stockport’s independent export – comprising Tom Ogden, Charlie Salt, Josh Dewhurst, Joe Donovan and Myles Kellock – are currently leading the midweek race. If it holds up, Ribbon Around the Bomb will become the band’s third UK number one album, joining their 2016 self-titled debut and 2020 record Foolish Loving Spaces.

Close behind Blossoms after the bank holiday sale weekend is German heavy metal band Rammstein. Their eighth studio album, Zeit, is on track to give the band their career-best peak in the Official Albums Chart, number 2. Previously, the band had five UK Top 40 albums.

British rock quintet Thunder are currently number 3 with their fourteenth studio album Dopamine. The record is set to become the band’s twelfth UK Top 40 album to date, on course to peak with their 2021 release All the Right Noises (3).

The Weeknd’s Dawn FM – the biggest new album of 2022 so far – jumps 35 places to number 7 after its multiple collector’s edition vinyl formats.

Elsewhere in the Midweek Top 10, the Atlanta-born rapper Future could claim the best number 4 of his career with his ninth album I Never Liked You, Bloc Party sitting at number 6 with their first LP in as many years Alpha Games and Reef’s sixth album Shoot Me Your Ace looks set to land at number 8.

Further down the chart of the week, Let’s Eat Grandma are on course to score their second UK Top 40 album with Two Ribbons (22). Moving Pictures – the number three album from 1981 by Canadian rockers Rush – looks set to re-enter the charts this week thanks to a 40th anniversary reissue (23).

Infinite Disco, a recording of Kylie Minogue’s 2020 live concert in support of her Disco album, looks set to give the Aussie star her twenty-seventh UK Top 40 record to date (29), with more other new entries possible courtesy of Norwegian electro duo Royksopp’s Profound Mysteries (33) and Miranda Lambert’s Palomino (38).

Credello: how do easy payday loans work? Mon, 02 May 2022 11:42:33 +0000

NEW YORK – May 2, 2022 – (


You’ve probably seen ads for payday loans that say they’re easy to get. There are TV commercials and even billboards advertising them. However, you may not know what an easy payday loan is or how you can go about getting one or how to get out of payday loans. We’ll talk about it now.

What is an easy personal loan?

An easy payday loan is a loan that is meant to tide you over until payday. The idea is that you can get quick and easy cash to pay your bills and then repay the loan once you get paid. To get one, you can go through a payday lender.

These entities usually make it easier to get approved and transfer your funds. If you’re not sure if you should go ahead, you can also use a tool like a personal loan calculator to determine if this is the best option for you.

Is this a smart decision?

If you need cash until payday, a payday loan can be a tempting option. The thing to keep in mind is that with these loans you will usually pay a higher interest rate than with any other type of loan.

The reason lenders can get away with these higher interest rates is because of lower credit standards and convenience. You shouldn’t necessarily let the rates keep you from getting this type of loan, but you should be aware of how the system works. High interest rates can trap people in a payday loan cycle, where they need loan after loan to get by.

How do you get one of these loans?

If you know how one of these loans works and you still want one, you can search online for entities that will lend to you. You won’t need a great credit rating, and sometimes you might not even have to submit to a credit check.

You will need to fill out a form where you will tell the lending entity your name, address, income, and a few other details. Then you can wait for approval. These companies will usually let you know if you’ve been approved fairly quickly.

If the lender accepts the form, they will then transfer the money to you. If you have a bank account, you can get the money deposited within one business day.

Other details

You should know that you will have to repay the loan quite quickly. Usually, the lending entity will want this money back within 14 to 21 days. You can usually get a loan for an amount ranging from $100 to $1,000.

You can also spend money on almost anything. That’s one thing that makes these loans so appealing: they don’t come with the restrictions that can apply to other types of loans. You could spend the money on unexpected bills, car repairs, emergency medical care, rent, groceries, etc.

This type of loan could be for you

If you need some cash until payday, an easy payday loan might be a viable option for you. You can get one if you don’t have great credit, as many lenders won’t even do a credit check. Payday lenders are more lenient with their terms because they charge a higher interest rate.

Typically, to get a personal loan, you find a loan with acceptable rates, then fill out an online form. It shouldn’t take long for the lender to get back to you and let you know if you qualify. If they say yes, you can expect that money to be deposited into your account within one business day.

If you need cash quickly for some short-term expenses, this might be a suitable way to get it if you don’t mind paying a higher interest rate than you would with other types of loans.

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Credello: how do easy payday loans work? ]]> Bleachers ‘Gone Now’ Album Cover Features Jack Antonoff If He Was ‘A Dead Person’ Sun, 01 May 2022 23:10:20 +0000

As a fan-favorite version, Gone now debuted with themes of death and loss, also revealed with the album cover. Here’s what Jack Antonoff had to say about some of the symbols and hidden meanings behind the 2017 musical release.

Bleachers and Jack Antonoff released “Gone Now” in 2017

Musical guests Jack Antonoff and Bleachers perform on ‘Saturday Night Live’ | Will Heath/NBC/NBCU Photo Bank via Getty Images

He must return home soon. Following the success of strange desire and his Terrible Sensations, vol. 2 cover album, Bleachers released Gone now.