non-profit organizations – Sociology Eso Science http://www.sociologyesoscience.com/ Wed, 21 Jul 2021 12:15:32 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://www.sociologyesoscience.com/wp-content/uploads/2021/06/favicon-6-150x150.png non-profit organizations – Sociology Eso Science http://www.sociologyesoscience.com/ 32 32 Bailey Peacock-Farrell ready for championship as Gavin Whyte gets chance to prove Cardiff’s worth https://www.sociologyesoscience.com/bailey-peacock-farrell-ready-for-championship-as-gavin-whyte-gets-chance-to-prove-cardiffs-worth/ Wed, 21 Jul 2021 10:30:00 +0000 https://www.sociologyesoscience.com/bailey-peacock-farrell-ready-for-championship-as-gavin-whyte-gets-chance-to-prove-cardiffs-worth/ Two lower league teams are interested in loaning Bailey Peacock-Farrell out after the Northern Ireland goalkeeper once again downgraded the pecking order to Burnley. he 24-year-old joined Premier League club Leeds United in 2019 but, behind Nick Pope and Joe Hart, did not play a single minute for the senior side in his debut season. […]]]>

Two lower league teams are interested in loaning Bailey Peacock-Farrell out after the Northern Ireland goalkeeper once again downgraded the pecking order to Burnley.

he 24-year-old joined Premier League club Leeds United in 2019 but, behind Nick Pope and Joe Hart, did not play a single minute for the senior side in his debut season.

Following Hart’s move to Tottenham last summer, Peacock-Farrell was at least entitled to his Clarets debut, making four Premier League and four Cup games and regularly named to the bench as Pope’s direct replacement.

Now, however, boss Sean Dyche has decided to bring in former Wolves goalie Wayne Hennessey.

This means Peacock-Farrell will be cleared to go on loan, with Birmingham City and Sheffield Wednesday both being interested. On the Championship side, City are the favorites to secure their serves, a league above Wednesday, although Burnley and Peacock-Farrell will want to be assured they play ahead of former Premier League stopper Neil Etheridge.

Elsewhere in England’s second tier, Gavin Whyte could have a chance to prove his worth at Cardiff City.

The Northern Ireland winger spent the second half of last season on loan at Hull City, where he scored four goals in 20 Ligue 1 appearances to help the club promote themselves.

It was thought his future might be far from the Bluebirds, but boss Mick McCarthy opened the door after Whyte scored the game-winning goal in Tuesday’s friendly against Forest Green Rovers.

“Some are interested in taking it on loan,” McCarthy told WalesOnline.

“But like I told them all, let’s take a look at it first and we’ll see what happens.

“In terms of who we’re going to play and what other players we have, like returning Rubin Colwill, will Isaac Vassell be in good shape? Is Mark Harris going to do it this season? Isaak Davies, who would have done his debut on the last game [of the season against Rotherham] but for injuries Josh Murphy will come back, we have Ryan Giles playing upstairs.

“So it’s a question of whether he’s going to have playing time.

“I said to everyone, let’s see first, let’s take a look at it and then we’ll decide.”

In a move already confirmed, North Ireland international Shane Ferguson will prove to be the ideal candidate for Rotherham United, insists boss Paul Warne.

The 47-cap international, who turned 30 just over a week ago, was a free agent who did not see his contract extended by Millwall, and signed a two-year contract.

He was a fan favorite at The New Den, making over 200 appearances during his six-year stint, after signing in 2015 from Newcastle United, where he also had loan spells with Birmingham and Rangers.

Ferguson, who has the option of an additional 12 months with the Millers, was part of the Northern Ireland squad in the Euro 2016 final in France.

Rotherham boss Warne is thrilled to have finalized the deal and believes the all-rounder Ferguson can play a key role as the Millers aim for an early return to the championship after relegation last season.

“I wanted a little bit of strength on the left side and Shane, with his ability to play in three different positions – left-back, left-back, left-winger – is a perfect addition,” he said.

“I had a Zoom call with him and really liked him. I like the fact that he’s played internationally and played in big games.

“He did really well at Millwall. All the work and due diligence that we did was really good and I just thought he would come, be a good competitor for everyone on that side and improve us.

“Everything seems to take longer unless you just want to throw ridiculous money on people. I think a lot of transfers for a lot of clubs in that window – although there are a few in our league that recruit very quickly and aggressively – take longer.

“I know the player had other options and we are very lucky that he finally chose us.”

Sunderland, meanwhile, is keeping an eye on Manchester United and Northern Ireland youngster Ethan Galbraith.

The 20-year-old, who made his international debut in a friendly against Luxembourg in 2019, is currently attending United’s pre-season training camp in Surrey but is expected to leave on loan to acquire some experience.

He will join some familiar faces if he joins the Black Cats, with new signing Corry Evans, Will Grigg, Tom Flanagan and Carl Winchester already at the club.

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Will the federal student loan forbearance period be extended? – Councilor Forbes https://www.sociologyesoscience.com/will-the-federal-student-loan-forbearance-period-be-extended-councilor-forbes/ Tue, 20 Jul 2021 20:37:31 +0000 https://www.sociologyesoscience.com/will-the-federal-student-loan-forbearance-period-be-extended-councilor-forbes/ Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but this does not affect the opinions or ratings of our editors. It has been more than 16 months since the federal student loan suspension program came into effect, and the end of the forbearance period on September […]]]>

Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but this does not affect the opinions or ratings of our editors.

It has been more than 16 months since the federal student loan suspension program came into effect, and the end of the forbearance period on September 30 is fast approaching.

But the issue of restarting student loan repayments is a thorny one. There is evidence that service agents are not ready to start receiving payments again, and many borrowers are unable to make them. Some lawmakers are proposing to extend the forbearance period or write off student loan debt altogether.

Here’s where it stands now and what could happen next.

Lawmakers, Education Department Call for Extension of Student Loan Suspension

Most federal student loans have been in suspension since March 2020. President Joe Biden extended the forbearance period until September 30, 2021 just hours after its inauguration. No payments were due and no interest was accrued on the loans during the forbearance period. Borrowers with past due student loans also cannot have their wages garnished during the forbearance period.

In early July, Senators Elizabeth Warren (D-MA) and Edward J. Markey (D-, write a letter to President Joe Biden urging him to extend the current loan forbearance period until at least March 30, 2022 due to ongoing service issues including the lack of staff to resume receiving payments in less than three months , and the difficult financial situations of many stressed borrowers.

After speaking to loan officers and borrowers, Massachusetts senators estimated that “neither student loan borrowers nor student loan officers are ready to resume payments, and officers will need a long time to settle. ‘ensure staff and procedures are ready to provide borrowers with a level of support,’ the letter said.

It includes an anecdote of one provider describing the complexity of resuming payments as “unprecedented”, with over 43 million accounts entering repayment status in one go.

Lawmakers and agents expect the hotlines to be overwhelmed once the forbearance period is over, as borrowers who still need help will try to contact their agent to discuss their options.

According to the letter, only one service officer has conducted an “extensive and ongoing” outreach to borrowers on their options to avoid default after the forbearance period is over, and most are still awaiting advice from the loan office. Federal student aid from the Department of Education before starting outreach. .

It is not just legislators who are asking for more time. Ministry of Education officials recommended that the forbearance period be extended, as reported by Politico. The extension would run until the end of January 2022, according to people familiar with the matter, but the education ministry has not yet taken an official position on extending the abstention period after September 30.

Meanwhile, borrowers report that they are not ready for the end of the forbearance period. A June survey of nearly 24,000 student loan borrowers, according to the Student Debt Crisis advocacy group, found that 90% of respondents were not ready to start paying off their student loans again in October.

Even if this exaggerates the case, the economy still has a way to go before it returns to normal. Millions of people remain unemployed, and the unemployment rate for university graduates is almost twice as high today as it was before the pandemic.

Will Biden cancel student loan debt?

There is always the lingering question of student debt: will it ever be canceled?

The prospect of student loan debt cancellation sparks heated rhetoric on both sides of the aisle. Those flames were further fueled by economic uncertainty during the pandemic as some progressives, including Representative Alexandra Ocasio-Cortez (D-NY), pushed even harder for student loan debt cancellation.

Biden recently wrote off $ 3 billion in student loan debt for victims of for-profit college fraud. He also supports $ 10,000 student loan debt cancellation per borrower – a far cry from the $ 50,000 incremental surge – but it is unclear how much he is dedicated to any large-scale loan cancellation.

Read more: Don’t rejoice at Joe Biden canceling student loan debt just yet

How to prepare for the resumption of student loan payments

Other forms of economic relief from Covid-19 are ending soon. Biden has signaled that the CDC’s eviction moratorium and expanded unemployment benefits will not be renewed, so student loan borrowers should be careful and prepare now for the relief measures to end as well.

If you’re worried about how you’ll handle the resumption of student loan repayments, consider these options:

Consider an income-based repayment plan. Borrowers who are struggling financially should consider an income-based repayment plan so that their monthly payments can be manageable and thus avoid default. In this type of payment plan, monthly payments are determined by your income, location, and family size. Keep in mind that interest will continue to accrue on these plans, meaning lower monthly payments will result in a higher total bill over the course of the loan.

Read more: How Income Based Repayment Will Work After Federal Student Loan Forbearance Ends?

Prepare your budget for student loan repayments. If you’ve used the freed up money that would have been used to pay off your student loans each month for something else, now might be a good time to start reallocating it to your balance. Start by incorporating the payment into your budget, perhaps transferring it to your savings or making payments now, so you can adjust your spending to what it was before the forbearance period.

If you are unable to resume payments, contact your server as soon as possible. People who absolutely cannot afford a monthly student loan payment should contact their service agent for information on enrolling for deferral or forbearance. However, these relief options should not be taken lightly; they are intended for borrowers who need significant assistance, have eligibility conditions and, in some cases, still accumulate interest during the period of relief granted. Contacting your repairman now to discuss your options can be a good way to prepare a plan for the end of the current forbearance period.


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Burnley could loan Fleetwood Town Accrington Stanley target Adam Phillips https://www.sociologyesoscience.com/burnley-could-loan-fleetwood-town-accrington-stanley-target-adam-phillips/ Tue, 20 Jul 2021 07:01:27 +0000 https://www.sociologyesoscience.com/burnley-could-loan-fleetwood-town-accrington-stanley-target-adam-phillips/ Burnley is likely to loan Adam Phillips to Football League again next season, according to a report by Athleticism. Burnley wants to use the loan system for his young players. Phillips, who is 23, spent last season on loan at Morecambe and Accrington Stanley respectively. The latter wants to re-sign him for the next campaign […]]]>

Burnley is likely to loan Adam Phillips to Football League again next season, according to a report by Athleticism.

Burnley wants to use the loan system for his young players.

Phillips, who is 23, spent last season on loan at Morecambe and Accrington Stanley respectively.

The latter wants to re-sign him for the next campaign but could face competition from his fellow League One Fleetwood Town, according to The Sun on Sunday (06.27.21).

Read: Fleetwood Town misses striker signing

Phillips joined Burnley in 2019, but has yet to make his first-team appearance for the Premier League.

They loaned him to Morecambe for the second half of the 2019/20 season before the Shrimps brought him back last season.

He caught the attention of the Northwestern side in Ligue 2 and managed a total of 14 goals in 44 games during his time there.

Accrington then came to call in January and they want him to come back this summer.

Phillips spent time at Blackburn Rovers and Liverpool academies before joining Norwich City in 2017.

The Canaries loaned him to Cambridge United and Hamilton Academical before he left for Burnley for good.

Read: Accrington-linked striker Stanley signs for Tranmere Rovers

Thoughts?

Phillips has had an impressive past season on loan and another move away from Turf Moor will be good for his development.

His availability could alert other League One teams, which means Acrington and Fleetwood will need to act quickly to sign him.


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CheckAlt, LEVERAGE Team on the repayment of the CU loan https://www.sociologyesoscience.com/checkalt-leverage-team-on-the-repayment-of-the-cu-loan/ Thu, 08 Jul 2021 02:41:02 +0000 https://www.sociologyesoscience.com/checkalt-leverage-team-on-the-repayment-of-the-cu-loan/ Check Alt, which provides loan repayment and item processing solutions to credit unions (UCs) and banks, partners with LEVERAGE payment solutions to resolve loan repayment problems, according to a Press release. With CheckAlt’s LoanPay, borrowers can repay their loans anytime and by any means, the statement said. It was designed with UC in mind and […]]]>

Check Alt, which provides loan repayment and item processing solutions to credit unions (UCs) and banks, partners with LEVERAGE payment solutions to resolve loan repayment problems, according to a Press release.

With CheckAlt’s LoanPay, borrowers can repay their loans anytime and by any means, the statement said. It was designed with UC in mind and can support both direct and indirect borrowers.

“We are excited to be able to help LEVERAGE Payment Solutions better serve members of credit unions to resolve a historic issue in the loan repayment space,” said CheckAlt Chief Growth Officer Allison Murray in the output. “The management of direct and indirect loans is a long-standing problem for credit unions that requires significant manual effort to ensure that payments on loans from external accounts are properly received. CheckAlt’s LoanPay solves this problem, provides a better member experience while supporting the collection services of credit unions.

LEVERAGE Deputy Managing Director Lindsey cole said in the statement, “The LEVERAGE team is working hard while selecting new partners. We purposely select the best brands with a solid reputation. That’s why we’ve partnered with CheckAlt to provide LoanPay to members of credit unions and improve the loan repayment experience for credit unions and borrowers.

In June, CheckAlt Chief Information Officer Ram bajaj explained to PYMNTS the dichotomy of challenges facing FinTechs, in which they must balance customer satisfaction with the demands of regulators. Partnering up with each other can help.

“If they can’t go fast and they don’t do the regression testing, they’re going to have a lot of flaws, and they’re going to miss out on new features and new products for the customer,” Bajaj said.

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NEW PYMNTS DATA: STUDY PUTTING LOYALTY AT THE SERVICE OF SMALL BUSINESS – UNITED KINGDOM EDITION

About the study: UK consumers see local purchases as essential for both supporting the economy and preserving the environment, but many local High Street businesses are struggling to get them in. In the new Making Loyalty Work For Small Businesses study, PYMNTS surveys 1,115 UK consumers to find out how offering personalized loyalty programs can help engage new High Street shoppers.

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Felipe Martins’ free kick gives DC United a 1-0 Capital Cup win over LD Alajuelense https://www.sociologyesoscience.com/felipe-martins-free-kick-gives-dc-united-a-1-0-capital-cup-win-over-ld-alajuelense/ Thu, 08 Jul 2021 02:06:05 +0000 https://www.sociologyesoscience.com/felipe-martins-free-kick-gives-dc-united-a-1-0-capital-cup-win-over-ld-alajuelense/ DC United needed a lot of time, but finally found the breakthrough in a 1-0 win over LD Alajuelense in the very first Capital Cup game. Felipe Martins settled the game with an 87th-minute goal straight from a free-kick as United – featuring a mix of players from DC and Loudoun United – exhausted the […]]]>

DC United needed a lot of time, but finally found the breakthrough in a 1-0 win over LD Alajuelense in the very first Capital Cup game. Felipe Martins settled the game with an 87th-minute goal straight from a free-kick as United – featuring a mix of players from DC and Loudoun United – exhausted the 2020 Costa Rican champions Apertura.

Hernán Losada, making changes for a tournament friendly, had good news in store, as veteran defender Steven Birnbaum returned from two ankle surgeries in the offseason for his first action in 2021. United also called Jovanny Bolívar from his loan to Loudoun United started in the lead, while two other players under contract with Loudoun (Landry Nanan Houssou and Gaoussou Samaké) complete the training.

The opening exchanges were disjointed, with neither team managing the danger much. Carlos Mora shot wide as he was well placed in the 23rd minute, as Bolivar’s effort from the top of the box was deflected over the bar for a corner the home side couldn’t capitalize on. the league responded almost immediately, Brandon Aguilera recovering Mora’s cut and forcing a solid Jon Kempin save in the 29th minute.

Griffin Yow forced a save from goalkeeper Mauricio Vargas in the 37th minute, the Blacks and Reds then forcing another save as Birnbaum directed the resulting corner at goal. The ball found its way to Joseph Mora, who couldn’t quite make contact from three meters away, leaving the game goalless.

Yow looked like a threat again in the 49th minute, cutting off from the right to play a pass Alajuelense couldn’t handle. Kimarni Smith, one of the three halftime substitutes, kicked the ball to open a shooting window for Yordy Reyna, but the Peruvian cut the ball off and ultimately blocked his shot.

Within a minute of Reyna’s arrival, Kairou Amoustapha, called up by Loudoun, was scored on goal, but a first touch that left him too much to do resulted in a weak shot, much to the chagrin of the Nigerian international.

Smith then had another good look in the 73rd minute, but didn’t shoot fast enough to beat the defense of Alajuelense, who pulled off another block. At the other end, Chris Seitz didn’t have much to do after replacing Kempin at half-time, but he did well to come out and defuse a long ball in the 80th minute.

United had clearly exhausted Alajuelense with his possession in the second half, but had to wait until the 87th minute for a winner. Smith won a dangerous free kick at the edge of the box. With Vargas invisible by a crowd of black and red players, Felipe saw his chance to smartly shoot under the vault wall, beating Vargas with a cheeky 23-yard shot.

United will conclude their Capital Cup schedule this Sunday, taking on El Salvador’s Alianza FC at 5:30 p.m. on Buzzard Point.


The score of the box

Capital Cup – Match 1
DC United 1 (Felipe 87)
LD Alajuelense 0

Queues :
DCU (343): Jon Kempin (Chris Seitz 46); Steven Birnbaum (Allexon Saravia 46), Frédéric Brillant (C), Joseph Mora; Griffin Yow, Felipe Martins (Nicky Downs 91+), Landry Nanan Houssou (Ted Ku-DiPietro 69), Gaoussou Samaké (Jacob Greene 81); Yamil Asad, Jovanny Bolivar (Kimarni Smith 46 years old), Yordy Reyna (Kairou Amoustapha 58 years old)

LDA (433): Mauricio Vargas; Ian Smith, Fernán Faerron, Daniel Arreola (Alexis Gamboa 34), Yurguin Román; Bernald Alfaro, José Miguel Cubero (Aarón Suárez 77), Brandon Aguilera; Carlos Mora (Dorian Rodríguez 88), Jurguens Montenegro, Barlon Sequeira

Reservations:
DCU – Assad 72
LDA – Faerron 43, Aguilera 82

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The future of nails is now https://www.sociologyesoscience.com/the-future-of-nails-is-now/ Thu, 08 Jul 2021 00:49:43 +0000 https://www.sociologyesoscience.com/the-future-of-nails-is-now/ Last Friday afternoon, two young women emerged from under the pink canopies of Chestnut Street, showing each other their nails freshly painted and glistening with light. Crystal Hsieh and Ishika Nimmagadda agreed that they had just completed the fastest, cheapest paint job yet. In Marina’s new pop-up Clockwork, AI-assisted robots paint 10 nails for under […]]]>

Last Friday afternoon, two young women emerged from under the pink canopies of Chestnut Street, showing each other their nails freshly painted and glistening with light. Crystal Hsieh and Ishika Nimmagadda agreed that they had just completed the fastest, cheapest paint job yet.

In Marina’s new pop-up Clockwork, AI-assisted robots paint 10 nails for under $ 10 ($ 8 to be exact) in just 10 minutes. Leave a clue.. Within a block, Ciao Bella Nails and The New Nails charge $ 16 for the same service, and a tip is expected.

Thanks to TikTok from Elissa Maercklein, one of Clockwork’s first clients, the fully automated living room became a hot topic in no time. The timepiece will open at 2209 Chestnut Street on March 28 and is booked until the end of July, but those interested in the departure may be able to sneak up on a no-show.

Maercklein using the username @elissamaercklein on TikTok video His visit to the watchmaker the day after the store opened. For clips that have been viewed over 8 million times, Maercklein sits in front of a pink robot, scans her fingernails, and applies a single brown chandelier. The automatic arm is reminiscent of the nozzle of a 3D printer extruder. Move around in a small circle clockwise. Currently, robots cannot cut, shape or polish their claws.

San Francisco-based startup Clockwork claims to have “the first robotic manicure for unstoppable humans,” while New York-based startup Nimble and Los Angeles-based startup Coral. It is not, so it is not the only one. Not too late. With millions of financing from investors in the fields of beauty and robotics, the two companies are developing small household appliances. The three startups have incorporated the use of computer vision and intelligence into their nail painting robots.

HYPE MACHINE

Viral videos and the like have fueled the ongoing debate about the role of robotics in society, creating complex emotions. Will the clockwork mechanism be out of the box or will artificial intelligence someday bankrupt human-run nail salons?

Some viewers were tech-savvy in response to Maercklein’s video titled “Living in the Future”. User @ workinonit2 commented: “As a socially boring person, that would be bliss for me.”

But others, including user @ alexandrahunter10, were worried about the future. He replied: She works hard for her business. User @singulartime rang that mechanical robots are unlikely to “completely replace human nail technology because they can only do the basics.”

Clockwork co-founder Aaron Feldstein explains that the Chestnut pop-up was first designed as a kind of “laboratory” where the robot could be placed in front of the general public. But due to its popularity, the clock movement can stay here.

“We have the option of extending this location for six months, and given the demand we’re seeing, I think it’s likely,” Feldstein said. The company also plans to introduce robots to corporate buildings, retail stores and airports.

According to Feldstein, the conceptualization of robotic nail technicians began a few years ago with Renuka Apte, the founder and CEO of the company, who was a female partner and found the beauty routines and maintenance to take a lot of time. time consuming and expensive. I did.

through San Francisco Business Hours, The two met as software engineers at a startup and then worked together at Dropbox. They launched Clockwork in 2018 and raised $ 3.2 million in their first fundraiser in 2019. Within a year, we started testing the first prototype robot using artificial intelligence to recognize the shape of nails and learn while learning. The more nails the machine sees, the more precise it will be.

One of the surprises, according to Feldstein, was the overall reaction, but some of the most frequently asked questions relate to robots in small company nail jobs. He diverts attention from those critics by saying that the company offers express service that cannot replace the salon experience, “there’s room for both.”

“Anytime a robot appears and does what people are doing, I think it’s a natural question,” says Feldstein. “In reality, it is unrealistic for nail salons to offer quick and inexpensive manicure services only. To really make a profit, they bundle all of these services and many more. You have to sell. Great if you need everything else but otherwise some kind of annoyance and inconvenience. “

He suggests that watchmaking machines can play a complementary role in providing a solution for quick fixes during a full manicure.

still gelled

In a world where nail artists are targeted Reality TV-show, “Manicure” can mean more than a normal polishing change. Acrylics, gels, dipping powders, and a variety of other long-lasting formulas are much more expensive, but often more attractive. Market glassThe nail care market is close to $ 10 billion and could reach $ 11.6 billion by 2027.

Hsieh, 19, and Nimmagadda, 20, left the San Jose area for the marina after seeing Maercklein’s TikTok. Both say they regularly choose gel or acrylic nail polish, but I wanted to see what the hype was about the robots.

“If you choose to come here, you feel like you know something fast and want to get in and out, or have a busy schedule,” Hsieh explains. “Personally, I always want to go to the salon, but if I need something quick, I could go to the cog.”

With little to choose from at Clockwork, women did not want to return in the near future. However, Nimmagadda says that if the technology continues to develop, it could become a full bot.

“If they offered the gel, I would definitely go there instead,” she says. “I think our whole future is based on technology. It won’t change. There’s nothing we can do to stop it, so it’s just cool, but people still feel like I want a nail salon. ”

The company says the robot’s limited capabilities don’t pose a threat to the show, but Feldstein doesn’t deny that Clockwork is trying to expand the capabilities of its machines.

“We’re looking at some of the comments and trying to understand why it’s the most valuable to our users,” he says. “Freezing is technically very doable and if we find that the user wants it, we do it. “

Clockwork opened the store just three weeks after it officially reopened in San Francisco. At that time, the local nail salon was able to accommodate clients without capacity restrictions or social distancing protocols. Within a mile of Clockwork, there are over 10 nail salons with skilled nail art technicians, from traditional nail polishes to intricate acrylic designs.

A typical New Nails manicure, located less than a block from the clock, can take 30 minutes or more, depending on your service choices. And you will probably tip.

Marina-based Molly Macgillivray is a longtime client of The New Nails. She says the highlight of her regular manicure is a hand massage. “Here you can also have your back massaged at an additional cost. I always do that. I love it and I think it’s important for the experience, ”says Macgillivray.

Macgillivray’s reaction to nail robots was similar to that of many TikTokers. She fears that as technology continues to evolve, robots could bankrupt her nail technology.

“I’m a little scared of the amount of technology we’ve brought in,” says Macgillivray. “I love helping local businesses and know that many businesses have been shut down during COVID which has had a significant impact on the industry. I don’t like the idea of ​​replacing nail salons with machines. “

through the mayor’s office, San Francisco’s 94,000 SMEs represent more than 93% of all businesses in the city and support more than 364,000 jobs. Also, according to data collected by the San Francisco Chamber of Commerce, nearly 50% of SMEs remained closed in May. With the city officially reopening on June 15, many local lounges are offering full service in the event of a pandemic.

Tlandan, the owner of Chao Bella Nails next to New Nails, and her husband, Fondoan, are reassured that they still own the store after a chaotic year. Their lounges were typically full of customers most afternoons and weekends, but were closed due to a pandemic.

Since the first closure in March 2020, the couple have had to pay the full amount of the show while the doors have been closed for more than 6 months. They attempted to resume in September when Governor Gavin Newsom gave the green light. Dan paid for all new light fixtures and plexiglass installed between the chairs to meet pandemic protocol, but was closed again in early December.

“It was very hard. I couldn’t do anything, ”Dang said. She and Doan have two young children and their living room is the family’s main source of income.

Dan and Doan haven’t been able to raise government aid for over a year, but got a P3 loan in May. Without their regular activities during the pandemic, they accumulated considerable debt. Chao Bella Nail’s door has been open since late January and the couple are still working on breaking even.

“It’s better than the first and second shutdowns, but it’s not coming back to normal,” Dan says. “I still have a lot of debt. I always rent them because I had no income.

Since mid-June, Ciao Bella has rarely been silent. And Dan says she’s no longer anxious. She is grateful for inviting guests to the salon with unlimited capacity in time for her pre-vacation pedicure.

“I’m not worried because summer is here and people are back,” Dan says.

Words about their new robot competition quickly spread. But after talking to some of her regulars, Dan says she isn’t too worried yet.

“I was worried when I first heard it. It’s cheap and it’s only $ 8, ”says Dang. “But when I ask my clients, they always like people who work with people, not just machines. They tell us what they like.

Yet the future is imminent. Dang says it could be a concern if the robot could possibly provide more services.

“If they even have gels and limes, that would be a big challenge,” she says. “But we’ll see, I guess.”


Lily Sinkovitz is a contributor. @LilySinkovitz

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Here are the best types of loan programs for Ohio residents https://www.sociologyesoscience.com/here-are-the-best-types-of-loan-programs-for-ohio-residents/ Wed, 07 Jul 2021 17:31:11 +0000 https://www.sociologyesoscience.com/here-are-the-best-types-of-loan-programs-for-ohio-residents/ Not all loan programs are the same. They aim to serve borrowers with different financial needs and capacities. You will need different types of loans for different situations. For example, if you need to settle your salary or money quickly in an emergency. But the question is, which loan program is right for you? If […]]]>

Not all loan programs are the same. They aim to serve borrowers with different financial needs and capacities. You will need different types of loans for different situations. For example, if you need to settle your salary or money quickly in an emergency. But the question is, which loan program is right for you?

If you are an Ohio resident, this article will help ease your financial worries. We will discuss the different types of money loans that you can find in private and government financial institutions. We will also discuss tips for getting a good deal and avoiding loan programs.

Secured loans

Secured loans use assets like a car, boat or estate as collateral, and the bank can repossess it if the borrower does not honor the contract. These loans are advantageous for borrowers who can confidently pledge collateral. Secured loans come with low interest rates and flexible payment terms. Thus, the borrower has several options before defaulting or selling the collateral.

Before applying for a secured loan, make sure that your collateral does not have a significant impact on your life. But if you can afford to lose a car, jewelry, or whatever you can use as collateral, it will be easier for you. Additionally, secured loans work best with long term contracts.

Unsecured loans

Unsecured loans work by lending borrowers money at a higher interest rate than the guaranteed one. This is because unsecured loans do not offer any collateral and pose a higher risk to the lender. In addition, unsecured loans often operate on short-term contracts to ensure borrowers can pay without paying too much interest.

Various lenders offer unsecured loans to people with bad credit. However, he has even higher interest rates than those with a good credit rating. They can be a good source of quick cash, but borrowers should be careful when taking one out. So, if you are in need of bad credit personal loans in Ohio, be sure to search for a reputable lender with good references like CreditNinja.

Debt Consolidation Loans

Debt consolidation loans are unsecured loans created to consolidate your debts into one payment method. If you have a credit card, you can work with your bank and convert it to a single debt that can be paid monthly.

It is one of the best options for people having trouble with multiple financial obligations. A consolidation loan readjusts all of your loans at a low interest rate. However, keep in mind that not all types of debt can be consolidated. Check with your local bank and see which of your debts can be consolidated and their payment terms.

Auto loans

Auto loans are technically secured loans that use your vehicle as collateral. These loans are by far the easiest way to get approved since the collateral is in place.

While this loan is convenient, you should understand that you put your vehicle at repossession risk and it’s expensive to buy it back. Not to mention that its interest rate and payments are often higher than other contracts.

Pawnbrokers

In a pawnshop loan, you buy an item of value, appraise it to the pawnshop whenever you need money, and get the amount they feel is equal to the value of your item. After that, you move on to a series of monthly payments until you pay off the entire item again, along with interest.

Pawn shops are less risky and often do not require a credit check since the basis of the entire contract was the value of the pledged item. However, in the event of a missed payment, the pawnshop reserves the right to charge you additional storage and insurance protection fees.

On the bright side, if you can afford to lose the item, you can sell it without worrying about the monthly payments. But selling an item to the pawnshop means you won’t get it back, and the pawnshop reserves the right to sell or auction it for their benefit.

Alternative payday loans

An alternative payday loan is a short term contract from accredited federal credit unions. Alternative payday loans are affordable, with lower interest rates and longer payment plans that typically extend for up to six months.

Alternative payday loans are a better option than payday loans. You will be more likely to save additional money on interest and administration fees. However, applicants seeking an alternative payday loan may be required to be at least a member of a federal credit union. If you are not a member of a federal credit union, start looking for other loan programs.

Final thoughts

There is always a loan that is suitable for your financial situation. To get the most out of your loans and have a healthy financial life, make a habit of paying monthly contributions on time. This will reduce your interest and penalties and prevent you from financial stress.

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Beginning of the closing of the PPP loan forgiveness period; Payments may be due https://www.sociologyesoscience.com/beginning-of-the-closing-of-the-ppp-loan-forgiveness-period-payments-may-be-due/ Wed, 07 Jul 2021 14:51:41 +0000 https://www.sociologyesoscience.com/beginning-of-the-closing-of-the-ppp-loan-forgiveness-period-payments-may-be-due/ PPP borrowers who took out loans in 2020 will soon have their first payments due if they do not request the forgiveness. Free preview of the book Smart Solopreneur This book gives you the essential guide to easy-to-follow tips and strategies to create more financial success. July 7, 2021 3 minutes to read Opinions expressed […]]]>

PPP borrowers who took out loans in 2020 will soon have their first payments due if they do not request the forgiveness.

Free preview of the book
Smart Solopreneur

This book gives you the essential guide to easy-to-follow tips and strategies to create more financial success.

July 7, 2021

3 minutes to read

Opinions expressed by Contractor the contributors are theirs.


Small business owners who got a Paycheck Protection Program (P3) loan in 2020 should pay close attention to their forgiveness period as the window of time to avoid principal and interest payments is ending. . For example, if you got a P3 loan on April 15, 2020 and took the maximum coverage period of 24 weeks, you will have until August 30 to request a rebate. If you do not apply for the remission on time, you will be responsible for the monthly interest and principal payments on the loan. While you can always request a rebate later, you will make monthly payments of principal and interest until your rebate request is approved by the bank and the Small Business Association (SBA). The bank and the SBA have up to five months to approve your pardon request.

The latest SBA reported in May that more than 70% of PPP loans granted in 2020 have already been canceled. They also noted that over 1.7 million PPP loan borrowers had not even requested cancellation. If you’re a small business that hasn’t applied for your 2020 PPP loan forgiveness, you’ll want to act fast to avoid future monthly payments.

Related: New Stimulus Bill Includes Second Round of P3 Small Business Loans, Borrower-Friendly Forgiveness Rules Changes

Pardon Period Calendar and Approval Timeframe

A rebate request must be submitted within 12 to 16 months of receipt of funds by the small business. This approximate timeframe takes into account the covered period of 8 to 12 weeks when no payment is due and the 10-month period that the law automatically grants when there is no payment of principal or interest.

What forgiveness request should you submit?

The rebate request is submitted to the bank that loaned the PPP funds to the small business. There are different forms of forgiveness that can be used. Some look like a tax return and require documents (the 3508) while others are straightforward and do not require calculations or documentation (the 3508S).

3508S simple

Small businesses that have obtained a loan of less than $ 150,000 should use the Form 3508S application. This request is one page and does not require any calculation other than the loan amount and the forgiveness request amount. If you’ve properly used the funds for payroll and other approved expenses such as rent and utilities, this application should take less than 10 minutes to complete.

Easy 3508EZ

Those who haven’t cut their full-time equivalent (FTE) by more than 25% in 2020, but whose loan is over $ 150,000, should use the easiest way Form 3508EZ application. You can also use the EZ app even if your FTE workforce was reduced, as long as that reduction was due to Covid-19 health restrictions imposed on the company (for example, restaurants that could only operate at 50% of their capacity).

Related: SBA Approves Simple One-Page PPP Forgiveness Request for Loans of $ 50,000 or Less

Full application

Companies with more than 25% FTE reductions in 2020 that were not the result of Covid health restrictions will complete the much longer and more complicated task Form 3508. (My previous article on PPP pardon request options can be found here.)

If your small business hasn’t submitted a 2020 First Draw PPP loan forgiveness request, contact your bank or other PPP lender as soon as possible. Banks are motivated to help you with the forgiveness because the SBA repays the loan for you when the forgiveness request is approved. While there was chaos and confusion when PPP loans were first issued in 2020, the forgiveness process is much simpler, and the SBA and banks have better advice and a better process. more streamlined.

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Quick Loan Credit Can Help Your Business Stay Open During Crisis https://www.sociologyesoscience.com/quick-loan-credit-can-help-your-business-stay-open-during-crisis/ Wed, 07 Jul 2021 13:31:00 +0000 https://www.sociologyesoscience.com/quick-loan-credit-can-help-your-business-stay-open-during-crisis/ Quick Loan Credit Can Help Your Business Stay Open During CrisisThe Covid pandemic has come as a shock to the senses of many businesses in Singapore and around the world. For the first time in the modern era, the world has faced a real crisis that has left almost no one unscathed. Many companies that survived the crisis did so with the help of quick […]]]> Quick Loan Credit Can Help Your Business Stay Open During Crisis

The Covid pandemic has come as a shock to the senses of many businesses in Singapore and around the world. For the first time in the modern era, the world has faced a real crisis that has left almost no one unscathed. Many companies that survived the crisis did so with the help of quick loan credit.

What is quick loan credit?

Approved lenders in Singapore offer a variety of loans, some generic and others for specific purposes. The credit quick loan is specifically for borrowers who are in urgent need of cash. It is marked by a rapid assessment process and fast loan approval followed by a prompt release of the approved loan amount to the borrower.

This quick loan process is not offered by all approved lenders in Singapore. Only the largest and most established lenders have the capital and the efficient processing system that can handle fast loans. Many small and medium-sized enterprises (SMEs) in Singapore have used this valuable service to stay in business during recent and ongoing pandemic restrictions.

However, a quick loan approval is more than a stopgap. If you invest it using a good plan, it can help kick-start long term business viability.

Are you eligible for a quick loan?

Most legal money lenders like GreenDayOnline extend ready fast services to businesses and individuals. However, the loan amount, the interest rate charged, the designated repayment period, and the approval process will likely be different.

As a business seeking a quick loan, you will need to prove that you have a strong business model that can weather the storm. This means that it is more difficult for companies that are already in the red to obtain such a loan (or any other loan). However, it is not impossible.

You need to be able to show the lender that even if you are struggling with the current crisis, your business idea is viable. You should do some basic research to back up this claim and use it as the basis for your loan application.

For example, if you’re in the food and beverage industry and the media has touted a return to normal in terms of dining out, this is a positive you can use. Likewise, relaxing social distancing rules for restaurants shows a lender that your business will soon see more customers and, therefore, more revenue.

Every piece of news like this indicates that you will be able to repay a loan. None of this information is decisive in itself, but, taken together, it can help you justify your loan approval quickly.

The most important thing is to be transparent with your lender. Provide them with all of the company’s financial information, such as bank statements, income tax statements, and company balance sheets. You should also bring your personal financial information to improve your chances of being approved.

Use your quick loan

So, your loan has been approved. Now comes the hard part: deciding how to use that money.

For struggling businesses, the obvious and most urgent needs would be store inventory, salaries, and unpaid supplier payments. Only consider spending on other expenses after these immediate concerns have been addressed.

You may also want to consider investing in automation if it is relevant to your business. This can not only dramatically reduce your spending on wages, lost hours, and people management, but it also contributes to the ‘social distancing’ factor that is so important these days.

On the other hand, if you are one of the lucky minorities with a business that has weathered the crisis well, you should consider investing your loan in future profitability. Consider the crisis you just went through and ask yourself these questions:

  • Would it have critically affected your business if it had been more serious?
  • Would you still be able to survive if this happened again in the near future?
  • What would you have done differently knowing what you know today?

The answers to these questions can help you lay the foundation not only for surviving the next crisis, but maybe even for developing yourself. Who knows, the way you use your quick loan today may be the reason you will overtake your competition in the next crisis.

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Lawmakers approve over $ 700 million for housing | New https://www.sociologyesoscience.com/lawmakers-approve-over-700-million-for-housing-new/ Tue, 06 Jul 2021 23:57:00 +0000 https://www.sociologyesoscience.com/lawmakers-approve-over-700-million-for-housing-new/ SALEM – Oregon lawmakers have approved more than $ 700 million for housing needs that go beyond the emergency caused by the coronavirus pandemic. In addition to preventing evictions and foreclosures, the legislature aimed to increase the supply of lower-cost housing, help people who are permanently homeless, and reduce the housing disparities faced by racial […]]]>

SALEM – Oregon lawmakers have approved more than $ 700 million for housing needs that go beyond the emergency caused by the coronavirus pandemic.

In addition to preventing evictions and foreclosures, the legislature aimed to increase the supply of lower-cost housing, help people who are permanently homeless, and reduce the housing disparities faced by racial and ethnic minorities.






Lawmakers made a substantial investment in housing during the legislative session that ended in June.




Lawmakers went far beyond what they did in 2019, banning unjustified evictions of tenants and demanding that cities with 10,000 or more residents – as well as all cities within the metro line Portland – allow duplexes or other multi-family dwellings on land zoned for single family homes.

“We … have gone to great lengths to keep Oregonians housed through a combination of compassionate politics and wise investments,” House of Representatives Speaker Tina Kotek, D-Portland, said in a statement summarizing the housing legislation. “While the work we have done has brought more stability to the people of Oregon, we will need to maintain a crisis mindset going forward as we continue to work to resolve the housing crisis in the region. State.”

The moratorium on evictions ended in June, although the grace period for paying overdue rents due to the pandemic is extended by Senate Bill 282 until February 28. Spurred on by the slow pace of state and federal funds for rent assistance reaching landlords, lawmakers have given tenants a 60-day safe harbor against evictions under SB 278 if they prove they have requested l ‘help.

“Evictions and foreclosures can have a devastating generational impact on families,” said Representative Julie Fahey, a Democrat from Eugene. She worked with Rep. Jack Zika, a Republican from Redmond, to craft both the initial state aid of $ 200 million to landlords and tenants during the December special session – a month before the 2021 session does get to work – and the safe haven provision that was passed in the final days of the session. Federal assistance increased the amount available for rent assistance to approximately $ 500 million.

Lawmakers reinstated a separate moratorium on residential foreclosures in House Bill 2009, which runs through September. Governor Kate Brown can extend it by executive order until December if she gives notice.

Senator Kayse Jama, D-Portland, was new to both the Legislature – he filled the seat vacated by Shemia Fagan when she was elected Secretary of State – and the Senate Housing and Development Committee . He said it was essential for lawmakers to look past the years-long housing crisis and the effects of the pandemic.

According to a December 2019 report, homeownership rates for blacks in Oregon were 32.2%, compared to 65.1% for white households.

“The pandemic has only worsened existing inequalities in our society, and there is so much clear data on housing disparities for communities of color,” Jama said. “This work will continue during the interim and until the 2022 session.”

Below is a list of some of the main housing laws that were passed during the session:

Roaming

• $ 47 million for increasing the capacity of emergency shelters and navigation centers for the next cold season, including $ 26.5 million for low-barrier emergency shelters in eight cities, 10, $ 5 million for shelters in Salem and $ 9.7 million for the additional shelter motel sites turnkey project. One of them will be in Multnomah County.

• $ 25 million to help communities manage shelters and provide technical assistance.

• $ 20 million for the Behavioral Health Housing Incentive Fund.

• $ 12 million for rent assistance and support services for permanent supportive housing.

• $ 10 million to Multnomah County for the construction of a Behavioral Health Resource Center in downtown Portland.

• $ 3.6 million for providers serving unaccompanied unaccompanied youth (HB 2544).

• $ 1.2 million to improve the statewide data system on homelessness and service outcomes.

• Speed ​​up the establishment of emergency shelters by temporarily giving local governments more flexibility in the establishment of shelters (HB 2006).

• Modernize the statewide homeless housing and support system and ensure access to culturally specific and culturally appropriate organizations (HB 2100).

• Protect homeless Oregon residents from fines or arrests for sleeping or camping on public property when there are no other options (HB 3115).

Tenant support

• $ 5 million for housing assistance for survivors of family violence and sexual assault.

• $ 4.8 million for housing equity enforcement and education at the Oregon Fair Housing Council, the Oregon Department of Justice, and the Office of Labor and Industries of Oregon.

• $ 4.5 million to establish a long-term rent assistance fund for young adults under the age of 25 who have recently become homeless or who have left a foster home or juvenile correctional services. .

• $ 3 million to support community organizations that distribute rent subsidies or educate tenants.

• $ 1 million to the Oregon Law Center for legal assistance to tenants and residents of manufactured home parks.

• Require landlords to conduct individualized assessments and review applicants’ additional evidence before refusing a housing application based on a criminal history (SB 291).

Home ownership

• $ 20 million for down payment assistance, half to a revolving loan fund to help homebuyers with secondary loans and the other half to culturally sensitive community organizations to increase opportunities for home ownership.

• $ 20 million to provide flexible financing for the construction of affordable single-family homes and alternative ownership models such as co-ops.

• $ 10 million to create the Healthy Homes Program to provide grants for the repair and rehabilitation of homes of low-income households and communities disproportionately affected by environmental pollution or other hazards (HB 2842) .

• $ 7 million to support manufactured home park residents with park acquisition loans and home decommissioning grants and replacement loans.

• $ 3 million for foreclosure avoidance advice to homeowners.

• $ 2 million to provide technical assistance and awareness to culturally specific organizations to reduce barriers to homeownership.

• $ 2 million to SquareOne for a pilot equity share ownership project with mini-homes.

• $ 1 million for a community pilot program that develops secondary suites for income-eligible homeowners (HB 3335).

• Protect homeowners from foreclosure during the pandemic (HB 2009).

• Address racial disparities in homeownership by requiring additional training on implicit and racial biases for mortgage providers, authorizing grants and technical assistance to organizations striving to increase lending. homeownership for low-income people and people of color, and renewing the Joint Task Force on Combating Race Disparities in Homeownership to recommend alternative solutions (HB 2007 and SB 79).

• Strengthened ability for Oregon to purchase manufactured home park residents laws (HB 2364).

Housing supply

• $ 410 million for the construction of housing under the accelerated local innovation programs and housing with permanent support services.

• $ 100 million to preserve existing affordable housing.

• $ 30 million for revolving loan funds for the acquisition of affordable housing or land.

• $ 10 million for gap funding for affordable rental housing projects that are co-located with daycares or early learning centers.

• $ 5 million for gap funding for previously approved affordable housing projects that experienced unexpected increases in construction costs during the pandemic.

• $ 4.5 million for grants and technical assistance to local governments to update community planning and development codes.

• $ 1.3 million to study the integration of regional housing needs analysis into state and local planning programs.

• $ 900,000 to study local network development charges and their impact on the cost of residential development at market price (HB 3040).

• Increase the limit of the state agricultural housing tax credit from $ 7.25 million to $ 16.75 million per biennium to increase construction, rehabilitation or acquisition of housing for the main – agricultural work (HB 2433).

• Require local governments to authorize the development of affordable housing projects on land within an urban growth boundary not zoned for residential use (SB 8).

• Reduce red tape for religious organizations to develop their properties for social housing and allow their property tax exemption to be maintained (HB 2008).

• Establish the conditions under which local governments must authorize land divisions for new development of intermediate housing (SB 458).

• Require local governments to submit information to an online inventory of surplus public land (HB 2918).

• Allow counties to allow owners of lots in rural residential areas to build secondary housing (SB 391).

The Oregon Capital Bureau is a collaboration between EO Media Group and Pamplin Media Group.

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