Like Governor Tom Wolf on Facebook: Facebook.com/GovernorWolf During a Holiday Shopping Cash Crunch, Don’t Fall Victim to “Easy Money” Lending Schemes SHARE Email Facebook Twitter Holidays, PSA, The Blog During this holiday season, a lot people find themselves in a “cash crunch” because of shopping expenses added to routine daily and monthly bills. Some people find themselves stretched too thin financially as the New Year approaches and search the Internet for quick, easy solutions to their money problems.The Internet is a source of information and a useful shopping tool, but too many slick, well-designed websites contain “guarantees” of easy, hassle-free cash that can lead to long-term problems. As a result, too many of our neighbors, family, and friends take an “easy money” loan in December and wake up in January to a New Year’s hangover: paying shockingly high amounts of interest on these loans, losing their cars or motorcycles, or being hounded illegally by debt collectors.What is an “easy money” loan?Out-of-state “easy money” lenders target people who need cash without hassles. These kinds of loans are in the $100 to $1,000 range, although some go higher. Including interest and fees, these loans demand that you pay 300 to 1,000 annual percent interest (APR), which is illegal in Pennsylvania.Many of these loans are short-term (due in two weeks to a month) although some loans take years to repay, often with added, unexpected charges.How can you tell if an “easy money” lender is trying to take advantage of you?There are several keys:You are asked to pay fees up front before you receive any money;You put your car at risk by giving up the title;You aren’t sure you can actually afford the loan or pay it back on time;You are being pressured to make a decision quickly; orYou don’t know where the loan company is actually located.What are the risks with “easy money” loans?If you can’t repay one of these loans right away, fees quickly add up and after just a couple of months can even go higher than the cost of the original loan. Borrowers who have taken out multiple short-term loans often find it difficult to keep up with the required fee payments, much less pay down the actual loans. As a result, they are forced to repeatedly extend the existing loans or even take out new loans to pay off the old ones.Top 5 options to consider instead of an “easy money” loanAsk if your bank offers short-term loans or consider the Credit Union Better Choice program through a credit union.Talk to people you know and trust: family or friends, local community and/or religious organizations;Ask your employer for a payroll advance;Try to negotiate with your creditors to give you more time or raise your credit limit; orPay the late fee: more than likely it will be less than the interest rate on an “easy money” loan.I am struggling to pay off a short-term loan: where can I go for help?You can call 1.800.PA.BANKS (800.722.2657) to discuss your situation confidentially with a trained professional. You will speak to a real person and we return phone calls promptly. December 06, 2016 By: Robin L. Wiessmann, Secretary of Banking and Securities HOLIDAYS SHARE TWEET
BAY CITY, Mich. – Jimmy McDaniel was the winner of the annual drawing for a new transmission courtesy of Brinn. The Xtreme Motor Sports IMCA Modified driver from Milton, Fla., became eligible for that drawing through the Bay Area Emerald Coast Tour. He finished fourth in final point standings for the inaugural series.Brinn, of Bay City, Mich., will give $50 product certificates to top five place finishers at 30 IMCA special events again in 2016. Those drivers will be entered in a post-point season drawing, with the winner also receiving a new Brinn transmission.Champions of IMCA Modified series, including the Kupper Chevrolet Hawkeye Dirt Tour, Hawkeye Dirt Tour and Empire State Series, receive transmission rebuilds from Brinn. Product certificates will be mailed from the IMCA home office after official results from specials are received; certificates for rebuilds will be presented during the national awards banquet in November.The pole starter in the IMCA Speedway Motors Super Nationals fueled by Casey’s Saturday night main event leaves Boone Speedway with a new transmission. All 33 qualifiers for that event and the 12 Harris Auto Racing Race of Champions starters receive $50 product certificates. “We’ve had a long line of deserving Brinn transmission winners and Jimmy McDaniel is the latest to benefit from this partnership with Brinn,” IMCA Marketing Director Kevin Yoder said. “Mike Hagen took a transmission home from Boone in 2015 and we’re grateful to Brinn that we are able to have these awards available for quality IMCA racers.” This is the second year of a five-year sponsorship agreement with Brinn encompassing regular point season and Super Nationals contingencies. The 2016 season is Brinn Transmission’s 14th as an IMCA marketing partner.Information about the complete line of Brinn products and dealers is available by calling 989 686-8920, at the www.brinninc.com website and on Facebook.
In their best effort of the season, Franklin County led most of the game before East Central stole the game in the bottom of the seventh inning to get the win by a final score of 6-5. The Wildcats showed very good poise and discipline at the plate and a season high 20 quality at-bats (3 pitches after 2 strikes, 6+ pitch at bats, extra base hits, hit by pitch, walks, sac bunts, or sac flys). The pitching of the Wildcats was also spectacular with Michaela Ferman doing a great job of keeping the high powered East Central offense in check for most of the game. The one area the Wildcats could still improve on is on defense as they continued to make errors on plays that should be made.Franklin County gained the lead in the top of the second inning when Makaylee Woods started off the inning with a walk. She would then advance to second on a ground ball to first, but the out would be the second out of the inning. The next batter, Laura Hildebrand would draw a walk, before Karlie Hahn would bloop a single into shallow right field to score Woods from second and allow Hildebrand to advance to third. Abby Orschell would get a single of her own to drive in Hildebrand and give the Wildcats a 2-1 lead.The pitchers would dominate the next few innings until the fifth when Franklin County would score again to add to their lead. Morgan Bare would draw a 1 out walk to get the first base runner of the inning for the Wildcats. Next, Camryn Brewer would drive a double into deep left to advance Bare to third. Ferman would draw a walk to load the bases. Then Bolos would score the run in the inning for the Wildcats as she grounded out to second making it 3-1 in favor of Franklin County.The Wildcats would add more insurance in the top of the sixth and seventh when they would add one run each inning. East Central would add two runs in the bottom of the sixth inning, and then they would win it in the bottom of the seventh inning when a miscue by the Wildcat defense allowed two East Central runs to come in with two outs, giving them the 6-5 victory.Ferman’s pitching line in the game was 6 2/3 innings pitched, she scattered 10 hits, with 2 walks, 6 runs (4 Earned), and recorded 7 strikeouts.Offensive LeadersAbby Orschell: 2-3 (Single, Double); 2 RBIs; 1 WalkLaura Hildebrand: 1-2 (Double); 2 Runs Scored; 1 WalkCamryn Brewer: 1-4 (Double)Karlie Hahn: 1-3 (Single); 1 RBIMakaylee Woods: 1-2 (Double); 1 RBI; 1 Run Scored; 2 WalksMichaela Ferman: 1-2 (Double); 1 WalkFranklin County will be back in action on Thursday evening when they head to Greensburg to take on the Pirates. First pitch is scheduled for 5:30 pm.In a game that was primarily a pitcher’s duel, East Central was able to break it open in their final at bat, by putting up 5 runs in the bottom of the seventh inning to give them the 7-1 lead that they wouldn’t relinquish in the Wildcats final at bat. Both pitchers threw well for most of the game for both teams, but the Wildcats had a few errors that hurt them in this one, and the Wildcats didn’t get a lot of consistent hits like they had for most of the season.Bree Bischoff threw for the Wildcats, going four innings, allowing 3 hits, 6 walks, 7 runs (5 earned), and recorded 8 strikeouts.Offensive LeadersHadlee Hornsby: 1-3 (Single)Shaden Galyen: 1-2 (Single)Sarah Bare: 1-2 (Single)Gracie Singer: 1-1 (Single); 1 RBIAnne Becker: 1-2 (Single); 1 Run ScoredThe Wildcats will be back in action on Thursday when they head to Greensburg to take on the Pirates. First pitch is scheduled to follow the varsity contest.Courtesy of Wildcats Coach Alex McCool.
Retiring champion jockey Tony McCoy believes he has over achieved in his career. Press Association “So in some ways I had sort of decided then.” McCoy had one unconquered frontier as he wanted to ride 300 winners in one season, his Holy Grail, and this year it looked on until a bad injury he picked up in early October at Worcester put paid to it. “I’ve been very lucky, I had a very good start to the season this year, my fastest 50th and 100th winners and I genuinely thought I was going to ride 300 winners this season,” he said. “Then I got injured one day at Worcester, I dislocated my collar bone, broke two ribs and punctured my lung and I went back riding three days after that thinking I couldn’t afford to have any time off if I was going to ride 300 winners. “I got another fall and dislocated again and it was just a disaster so I had to have three weeks off. Through those three weeks I was a bit broken mentally, to be honest, as I’d got to the point where I’d won the championship for coming up 20 years yet I genuinely believed I was getting better. “When that happened the time had sort of come but I wanted to make sure I was going to win another championship first and in the last week or so, getting closer to 200 winners, I’d spoken to JP (McManus, retained owner) about it and Dave and I decided it would be good to announce it after riding 200 winners as that is a bit of an achievement and I wanted to announce it on a high. “Most of all I wanted to retire when I was champion jockey, I’ve spent 20 years of my life chasing it and I’m still as I want to be and maybe I just need a break from that. “When I got injured and realised 300 had gone I suppose that told me. Riding 200 is a big thing, only a handful of people have ever done it before, Peter Scudamore was the only jump jockey. I’m not one to blow my own trumpet but it’s not an easy thing to do. You have to stay in one piece but most of the time you’re not in one piece, it’s mind over matter. “For anyone to have longevity in sport you have to really enjoy it and I do, but there’s been times it has drove me mad and I’ve been sitting in a dark room wondering what is going on in my life. “I’ve always felt I could never get where I wanted to go, chasing something I could never catch but I think the time is right. “I don’t know what I’m going to do, it’s something I’ve never thought about because all I ever wanted to do was be a jockey and I always said I’d never think about it until I couldn’t do that any more. “I honestly don’t know when I’ll stop. I decided this would be my last season and Dave said I should announce it beforehand. Other things were discussed like going out on a winner but I honestly don’t know. “I’ll ride at Cheltenham and Aintree but after that I don’t know whether it will be the last day of the season or go out on a winner, we’ll get the big meetings out of the way first. “After I’d announced it I was gutted. I’d love to change my name and come back next season, minding my own business having another go but I think it’s important that I’ll be champion jockey for hopefully 20 years and I think it’s important to retire at the top rather than people asking me why I’m not winning. “Falling at the first in the next (on Goodwood Mirage) was a real leveller, it’s part and parcel of the game.” He has not just broken records set by other jockeys, he has obliterated them, but the modest North Irishman feels his success is more down to hard work than talent. Speaking to talkSPORT, McCoy said: “It will be something that I’ll really miss, there’s no doubt about that. “I’ve no regrets whatsoever because I really think I’ve over achieved to be honest. I think there’s been as many good jockeys as I have been, not being arrogant I think I’ve done well for myself. “A lot of what I’ve achieved has just been through working hard and the fear I might never achieve them again and that’s probably what is making me retire, the thought it might never happen again.” McCoy announced his intention to retire after riding his 200th winner of the season on Mr Mole in the Grade Two Game Spirit Chase live on Channel 4 Racing, but he admits even then he was still wondering if the decision was the right one. “Dave Roberts (agent) was waiting when Mr Mole pulled up and asked if I was OK and I had to ask him if it was the right thing to do even then, so I was having second thoughts even at that point,” said McCoy. “It is the right thing, though. “I’d been thinking about it for some time. When I was asked I jokingly said I’d been thinking about it for five years but it was then when I set my benchmark of winning the title 20 times and that was always in my head. Barring injury McCoy will be crowned champion jockey for an unbelievable 20th successive year. So dominant has he been throughout his time in the saddle that since turning professional in 1995 he has known nothing other than being the pre-eminent jockey of his generation, and prior to that he was the champion conditional jockey on his only other season in England.
Police arrested a 39-year-old Florida woman after she left a boy alone in terrible conditions.Escambia County Sheriff’s deputies arrested Autumn Lee Beede on Saturday, and charged her with child neglect.Investigators conducted a welfare check on Feb. 14 at a home in Cantonment and found the boy living in a dirty home without running water or electricity for nine days.The child’s name, age and relationship to Beede are unknown.The child told deputies he survived by going to neighbors’ homes to ask for food, the report said.Reports say Beede was released from jail, and it is not known where the child is staying right now.
Vryman’s Erven Secondary clash with BEI in Regional final todayBy Colin Bynoe JrTHE Region 6 leg of Digicel Schools Football tournament will culminate with its grand Regional final set for today at the Burnham Park ground.It started with twenty teams who were drawn from the Region 6 area. Most of the matches were keenly contested. Teams battled their way to victories even in unfavourable weather conditions. It’s now down to two teams, first time finalists Berbice Educational Institute (BEI) and 2014 Regional Champions Vryman’s Erven Secondary (VESS). Both teams are highly favoured and a ding-dong battle is expected.For BEI, they kicked their way into the final by defeating a stubborn Corentyne Comprehensive High (CCH) on Tuesday in the first semifinal.The match was played at Burnham Park; due to overnight rain the pitch was somewhat soggy. BEI fought their way to a 1-0 lead by halftime, compliments of a 24th minute goal off the boot of Cleon Smith.At the resumption of the second half, Corentyne Comprehensive High (CCH) wasted early opportunities to penetrate the goal. BEI capitalised and ran the game at a faster pace. They added two late goals in the 82nd and 88th minutes. By this time CCH’s hopes had faded as it was evident on the faces of the players. The final whistle blew to give BEI the win 3-0.In the second semifinal which was played yesterday Siparuta Academy fell short to be defeated 2-1. The game was highly rated in the first half; the battle to score was on. Vryman’s Erven Secondary scored first goal in the 7th minute, off the boot of Alex Ogleton.By this time the players from both units were hustling and bustling on a muddy Burnham Park. Siparuta Academy responded nicely in the 15th minute to equalise.At the half-time stage the score was one-all.Most of the players at both ends of the field were visibly covered in mud; this showed their determination. The whistle blew for the resumption of the second half with the score locked at one. Sipraruta had multiple ball possession opportunities in their half, to spark periodic excitement amongst the fans, but they wasted them.In a manner that snuffed the gas out of Siparuta, Vryman’s Erven received a freak run of play. The ball was cleared to striker Alex Ogleton as he received it then worked his way towards goal. Three Siparuta defenders were evidently put off by a soggy section of the pitch. The ball landed in the area giving Ogleton a perfect sight of goal.He blasted in his team’s second goal in what remained the winning moment of the match. For Siparuta it was a sad way to end their exciting campaign. Vryman’s Erven Secondary were all smiles as they moved towards the final today at Burnham Park from15:00hrs.It is expected that a large crowd will witness the encounter. Both teams are from the New Amsterdam area. Who will it be?
FOUR England batsmen hit half-centuries against a Western Australia XI on the opening day of their first match of the Ashes tour in Perth.Both Alastair Cook and Joe Root (9) fell cheaply, with the former captain dismissed for a second-ball duck.Mark Stoneman (85) and James Vince (82) were both dropped but put on 153 runs for the second wicket.Gary Ballance and Dawid Malan also passed 50 before retiring, with England reaching 349-6 at the close.England begin the defence of the Ashes in Brisbane on 23 November.Opener Cook, who was dismissed first ball when England were last in Perth in 2013, played at the second ball of the innings from Nathan Coulter-Nile and edged through to the keeper.Cook and Root are expected to prosper in Australia but there are question marks over the robustness of the rest of England’s batting, with Vince one of those under the microscope after scoring 212 runs in seven Tests.The Hampshire man was dropped three times – on 47, 63 and 67 – with two of those catches spilled at slip, while Surrey left-hander Stoneman was given a lifeline when on 54 after being dropped in the gully.Root was disappointed at being given out caught behind, with the ball appearing to brush his pad, to leave England 184-4.But Ballance played patiently to reach his half-century from 102 balls, despite also beingdropped on 36, while Malan hit eight boundaries on his way to an 88-ball 56.England have said they will use 13 players at the Waca, after all-rounder Moeen Ali and fast bowler Steven Finn were sidelined with injuries. (BBC sport)
The National College Athletic Association ranked last for racial hiring practices among all major athletic associations in a study conducted at the University of Central Florida.“The 2008 Racial and Gender Report Card: College Sport,” led by Dr. Richard Lapchick, produced its 16th report card evaluating the National Basketball Association, Women’s National Basketball Association and the National Football League, along with other major sporting associations.Although Lapchick was unavailable to comment further, he verified the survey results and grading criteria.According to Lapchick, whites occupy 88 to 97 percent of jobs among Division I, II and III sports faculty members including head coaches, athletic directors and trainers. Whites also monopolize 90 percent of head coaching positions on men’s teams.“The NCAA advocates for a fair and open hiring process,” NCAA Associate Director of Public and Media Relations Gail Dent said in an e-mail to The Badger Herald. “The more this happens, the more diverse the ranks of all head coaches will be, including head football coaches.”Dent noted the NCAA continually works to inspire employers to promote greater diversity among college sports faculty.“The NCAA will continue to sponsor successful professional-development programs for its members, collaborate with various organizations and continue to advocate for the benefits of diversity and inclusion,” Dent added.Along with its last-place ranking for racial hiring practices, the NCAA received a mid-rank grade for gender diversity.Combining rankings for both race and gender in the 2007-08 year, NCAA received a C+, dropping a third of a letter grade from the B- received in last year’s report.Although the study showed mid-rank grades in overall sports, the average dramatically decreased due to an F for the football program’s lack of race and gender diversity, effectively canceling out the NCAA’s A grade for men’s basketball coaching diversity.The study followed specific criteria to distribute grades.To receive an A for race, 24 percent of employees must be people of color, and to earn an A for gender, 40 percent of employees must be women. An F was received if more than 95 percent of employees were white and less than 22 percent of employees were female.At UW-Madison all 11 head coaches of men’s varsity sports are white males, and only four of 11 head coaches of women’s varsity sports are females. The head coaches of the women’s basketball, rowing, soccer and softball teams are female.Following the UCF grading agenda, the University of Wisconsin would receive an F for race, at 0 percent, and a B+ for gender, at 36 percent in hiring diversity.While Wisconsin state law prohibits hiring on the basis of race, gender and color, it does not require universities to hire a minimum percentage of faculty from any category.“It’s illegal to have a [diversity] quota,” UW spokesperson John Lucas said.Lucas added the University encourages departments to hire based on qualifications rather than diversity.
At 2100 with two hours left on the clock and three given points left to find, a group of USC MS1 cadets on a mission trample through the night with nothing but a compass, pace count, red light and a couple weeks of training to find three out of five small metal poles with a small white placard located more than a mile away from each other. It is their first exposure to what life with the Army Reserve Office Training Corp’s Trojan battalion will be like.Teamwork · Tyler Tyburski, a junior majoring in international relations, carried a wheelbarrow across a wooden plank during the field leadership reaction course. – Kristy Pyke | Daily TrojanAn MS1 cadet, a first-year member of the Army ROTC program, pulls off to the side to rehydrate while another MS1 redraws their route using the military grid reference system. This is their final test of the night, a chance to show the senior cadets, MS4s, what they have learned. The fall training exercise is not just weekend training, it is a time to set aside the distractions of school and become the leader the U.S. Army expects them to be.The MS1 cadets, typically freshmen, were not unaccompanied. An MS4 cadet, the equivalent of a senior or a last-year graduate student, accompanied the five MS1 cadets providing them with advice, such as reminding them that hills and uneven terrain alter their pace count and to use a back azimuth, an angular measurement, when they cannot locate the point. The MS4 cadet helped the MS1s locate two of their five points and then let them attempt to find the others on their own. By 2300, the MS1 cadets completed the mission.The Army ROTC is an officer-commissioning program completed in conjunction with college education. The program either partially or entirely covers the cost of a cadet’s education.The Army ROTC program is more than just a means to pay for college and preparation for the adversities of combat.“ROTC is more than the military aspect,” said Maj. Sean Malis, recruiting officer at Cal State Long Beach. “It’s about life lessons and leadership.”The leadership skills the USC Army ROTC program instills in its MS1, MS2 and MS3 cadets is mostly taught by MS4s. Cadres, army officers in charge of overseeing the entire ROTC, are present, but they only provide support and advice when necessary.This unique dynamic that arises as students prepare other students to become officers in the Army is integral to the success of the Army ROTC program. The MS1 cadets can more easily relate to the MS4 cadets, who share similar burdens of school work and social life, than the cadre, according to Maj. Donald Hong, an ROTC recruiting officer for Cal State Long Beach and UC Irvine.MS4 Michael Scott, a senior majoring in computer engineering and computer science, practiced shooting an M16 at 30-meter targets during the Army ROTC Trojan battalion’s fall training exercise at Camp San Luis Obispo last weekend. – Kristy Pyke | Daily Trojan“They are the next step of leaders, they are getting ready to lead soldiers,” Hong said. “They have been through the program and know what success looks like.”MS4 Cadet Michael Scott, a senior majoring in computer engineering and computer science, said it is important for the MS1 and MS2 cadets to be trained by their fellow cadets because it gives them an opportunity to understand the Army.“Training MS1 and MS2 cadets allows them to see what we do in ROTC and what their role in the army will be,” Scott said. “We also need to get the cadets to want to be a part of the Army.”MS4 cadets attempt to strike a balance between practical and engaging training and events, Scott said.“When we plan training exercises and events we make sure they’re both realistic and fun so that cadets have the skills necessary for combat and have a good experience,” Scott said.When faced with problems, MS1 cadets are given guidance from MS4 cadets, but they are also given room to discover their own solutions and to experience failing — by not finding three out of five points on their own during night navigation, for example, said MS4 cadet Hannah Stryker, a graduate student studying social work.“As long as the [MS1 cadets] don’t get lost, it’s a good learning experience,” Stryker said. “We try to be helpful while letting them figure things out themselves.”The effectiveness of MS4s’ leadership skills stem from having been good followers as MS1, MS2 and MS3 cadets, Stryker said. MS1 cadets notice and respect the MS4 cadets’ leadership.“From the beginning, their main goal has been to make us future leaders,” said MS1 cadet Kyle Wollner, a freshman majoring in East Asian languages and cultures. “We learn to show respect for them so they’ll show respect for us.”Wollner said the MS4s’ leadership skills serve as motivation for the MS1s.Army ROTC cadets use teamwork to complete an obstacle at the field leadership reaction course. – Kristy Pyke | Daily Trojan“The MS4s makes demands of us and we have to complete these [orders] to show respect to them for the sacrifices they make to prepare us to be good leaders,” Wollner said.MS1 Cadet Tucker Jones, a freshman majoring in mechanical engineering, said the MS4s have taught him how to effectively select the individual characteristics of team members when completing a task, such as the field leadership reaction course. During FLRC, teams of cadets need to develop and implement a plan to overcome an obstacle and learn to react and adapt to sudden changes in conditions.“[MS4s] have taught us to take command and utilize everyone, recognizing their strengths and weaknesses, and utilize those to accomplish the task at hand,” Jones said.After the fall training exercise, the MS1 cadets have become more integrated into the rich framework of the U.S. Army by their fellow MS4 cadets.“At the end of the day we are not just fighting for us, but for our fathers, grandfathers and great-grandfathers,” Stryker said. “We are all brothers held together by a deep tradition.”
Share Share ‘Deal maker’ Rafi Ashkenazi ends Flutter tenure August 27, 2020 StumbleUpon Related Articles Bookies Corner: Trump Presidency sinks as US 2020 enters its 100 day countdown July 29, 2020 Flutter moves to refine merger benefits against 2020 trading realities August 27, 2020 Submit A turbulent week of US political drama has seen the Betfair Exchange shorten the odds on Donald Trump maintaining his Presidency, with odds trading at an all-time low of 8/11.Betfair Politics details that Trump has benefitted from his acquittal by the Senate, which refused to advance impeachment hearings on alleged interference of Ukraine funds by the US 45th President.Trump gains follow a catastrophic week for the Democratic Party, in which the crucial Iowa Caucus, the legacy bell-weather for the party presidential nominee could not declare a victor on Tuesday morning due to ‘app failures’ registering candidate nominations.Iowa’s contested outcome would declare Vermont Senator Bernie Sanders and Pete Buttigieg Mayor of South Bend Indiana as a joint winner, as a hostile Democratic Party race moves onto its New Hampshire Primary scheduled for 11 February.The Betfair Exchange currently maintains Bernie Sanders odds cut at 11/2, making him the clear second favourite, however, Iowa results have seen Pete Buttigieg odds continue to shorten to 16/1 having been priced at 39/1 two weeks ago and 999/1 last year.Betfair Spokesperson, Sam Rosbottom said: “So far over £11,000,000 has been bet on who will be the next President of the United States, with odds on Donald Trump to be re-elected later this year now at the shortest they have been on the Betfair Exchange, he is 8/11 to be voted in for a second term following his speech to Congress.Rosbottom adds “Despite Trump leading the way, the race to be the Democratic candidate to take him on is heating up and there is now a clear second favourite for the 2020 US Presidential Election, with the punters backing Bernie Sanders’ into 11/2 from 49/1 last year.”