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A step-by-step procedure for finding a personal loan that is quick via the internet

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Today’s technology allows the online lending of money by following a few simple procedures. Instant online loans are quick in satisfying any financial requirement or objective. If you have access to the internet and have a reliable internet connection, you are able to apply for a credit card at any time and at any point. This is the way to borrow money online to cover emergency situations.

Apply via your app on your lender’s website or the lender’s website

If you’re looking to take out money online, you will need to select the right lender. For making the loan application process easier, be sure to check the eligibility requirements on various lender websites. Complete the basic contact details along with information about your company and finances to determine if you’re qualified to get the loan. It is possible to do this using an online calculator to determine if you’re eligible.

For instance, create your profile as “employee” and thus check the eligibility criteria in the case of personal loans for workers. This is the first phase of verification of eligibility. It can be completed in under 30 minutes. If you can apply for credit after you meet the criteria from the bank, then it’s easier and simpler to secure fast credit. You can find the terms and calculators on the various applications of lenders or apply through the application.

Choose personal loan variables, such as length and quantity.

It is essential to make the loan match your specific needs regarding finances. Quantity and the duration of the loan are two important elements. When choosing these, it is crucial to think about the amount of repayment. To do this, it is necessary to determine your EMI with an internet-based calculator. In this case, for example, if you decide to take any of GreenDayOnline.com Personal Loans can be used, you will be in a position to alter the amount and length of the loan with the easy, straightforward, and user-friendly personal loans calculator. This will allow you to choose the best amount of loan and repayment period to ensure you make regular payments in order to improve your credit score during the course of.

Check your eligibility by providing additional documentation

Once you have been approved in accordance with your eligibility, you’ll need to provide evidence that allows the lender to confirm the authenticity of your request. This can be done on the internet by uploading the required evidence. Whatever your motives and whether you’re planning to submit an application for loans of a smaller size or for larger amounts, make sure that all your documents are in order prior to make your application. This can also reduce the time needed to obtain money online.

In most situations, you’ll need to submit the basic KYC documents like the PAN card or passport along with proof of income and employment like the bank statements for the employee identification card as well as payslips. After you have all the necessary documents, you’ll need to fill out an online form and mail it to the department.

Transfer funds directly to your account fast

Once the lender has examined your application and has given you the green light, then all you need to do is transfer the money into your bank accounts. The process typically happens fast. The most trustworthy lenders will transfer the amount of loan into your account within 24 hours of acceptance. This will enhance your convenience of getting loans online to meet your immediate needs.

After you’ve learned the best way to get money online, you need to pick a service that is well-known for its speed and efficiency in the application. For instance, Greenday offers personal loans that range from Rs.25 lakh. You can get the approval online in a matter of minutes, and the cash on your account in 24 hours of the approval. With your peace of heart, Greenday lets you repay your loan over up to 60-months.

Additionally, you can benefit from this Flexi loan facility offered upon your approval to make it easier to the repayment. You can opt to repay the loan a number of times depending on your needs and pay only fees on the loans that you require. You can decide to only pay monthly interest in the first year and reduce the IMEs by the rate of 45 percent. It could help you when you’re looking at immediate and unexpected needs.

You can also speed up the process of applying through an approved offer. Check out the pre-approved Greenday Personal Loan right now by entering just a few information and addressing your immediate needs without having to access the savings.

‘History books on the move’: Founders of Victoria’s Orange Shirt Day reflect on reconciliation

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September 30 marks the second annual National Day for Truth and Reconciliation

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Eddy Charlie and Kristin Spray on Orange Shirt Day 2021. Photo courtesy of the City of Victoria

In 2013, Phyllis Webstad shared a story about her bright orange shirt being taken from her at age six when she arrived at St. Joseph Mission boarding school. That year, the first official Orange Shirt Day event was born, and since then conversations about Indigenous reconciliation and the negative impact of residential schools have gone global.

Now, Webstad has reclaimed the orange shirt as a symbol of solidarity with residential school survivors, their families, and those who never returned home.

When Kristin Spray and Eddy Charlie met in an Indigenous studies class at Camosun College in 2015, they were also inspired by Webstad’s story. On Vancouver Island, there were five residential schools that existed until the 1980s. It is known that 202 children died in these schools, although the actual number is believed to be higher. Spray and Charlie felt compelled to do something about Victoria and started hosting their own Orange Shirt Day event.

At first, Charlie says there was a lot of hesitation from the Aboriginal community.

“The resistance came from Indigenous Elders having conversations about the trauma of residential schools,” he said. “But the work we did opened the conversation with seniors who either refused to talk about their past experience or were too scared to do so.

September 30 marks the second annual National Day for Truth and Reconciliation, which is also Orange Shirt Day. Charlie says it has become a very poignant day for Indigenous people.

“More and more people have chosen to stand up and say, ‘this is important to me because my parents and my grandparents went to boarding schools,’” he said. “There is no better platform than September 30.”

For those looking to observe the holidays who aren’t directly impacted by residential schools and who come from settler backgrounds, Charlie says the best thing to do is to keep an open mind and listen.

“Residential school survivors are walking, talking about the history books, and people need to hear their stories,” he said. “Let the words of residential school survivors penetrate your hearts and minds.

Charlie said he and Spray will continue to work for truth and reconciliation wherever possible, “so the grandkids who aren’t here yet don’t have to do what we’re doing,” he said. -he declares.

“We want to keep doing this until we’re no longer needed, until someone else finds the courage to stand up and speak up as well.”

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Houston is home to the National Museum of Funeral History

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“People come in with their own preconceived idea that ‘Oh my god, this is going to be morbid. It’s going to be scary. It’s going to be scary, but it’s not.’

HOUSTON – The exhibits are exactly what you would expect to find in the National Museum of Funeral Historybut the vibe in the 13,000 square foot facility is very unexpected.

“People come in with their own preconception that, ‘Oh, my god, this is going to be morbid. It’s gonna be scary. It’s gonna be scary,” said Genevieve Keeney Vazquez, the president of the museum. “But really, it’s not. It’s very enlightening. It’s very historical. It gives you insight into the different kinds of customs and rituals surrounding a funeral.”

These customs and rituals include hearses, caskets and coffins from all eras.

“You can kind of see how they’ve been built over the years,” Keeney Vazquez said.

There’s a lot to see in the museum, so if you don’t know where to start, try the treasure hunt. His questions will guide you through the museum.

“If you like to hunt stuff, then participating in the scavenger hunt is fun because you really have to read some of the text panels to find the answer,” Keeney Vazquez said.

A sample question: How many mourners could ride on the 1916 Packard funeral bus? (The answer, according to the bus text sign is 20.)

RELATED: National Museum of Funeral History Honors George HW and Barbara Bush with New Exhibit

“The Funeral Museum is an awesome neutral environment to broach the subject with your kids and learn about different kinds of customs and traditions,” Keeney Vazquez said. “The whole museum is family friendly.”

It opened in 1992, fulfilling the dream that Robert L. Waltrip had for 25 years. He wanted to keep the tools and trinkets of the funeral trade.

“They were practically ending up in the landfill, as was the history of our industry,” Keeney Vazquez said. “It was one of his visions to be able to preserve the rich history and heritage of our funeral industry.”

This story is now told through exhibits that cover everything from jazz funeral to embalming process what does the funeral look like for Pope and american presidents.

“We listen to our visitors. We love to hear their feedback and things they would like to know more about,” Keeney Vazquez said. “We are always evolving.”

RELATED: KHOU 11’s Hidden Gems

In fact, the museum has just opened a fundraising campaign present a new exhibition.

“The most famous burial of all time: the Shroud of Turin,” shared Keeney Vazquez.

As of October 1, a family haunted house will open in the museum and a Halloween Classic Car Show is scheduled for October 29.

“The parking lot will just be filled with cars from all eras and they’ll all be dressed up for Halloween,” Keeney Vazquez said, adding that kids should also dress up, as the event will include a chest or treat and a trick-or-treating contest. costumes “It’s a very fun and family-friendly event.”

You can learn more about the museum and its events here.

The benefits of taking out a second personal loan from the same lender | brand voice

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A second loan is a type of loan that lets you borrow money against the value of your home. The interest rate is usually lower than the interest rate on a credit card or other unsecured loanmaking it a good option if you need to consolidate debt or make a major purchase.

Source of images

Unlike a first mortgage, a second personal loan doesn’t require collateral, so if you fail to repay the loan, your lender can’t repossess your home. However, if you have the equity in your home, you may be able to get a lower interest rate by using a second personal loan to consolidate debt or make a major purchase.

One of the most frequently asked questions about a second personal loan is whether it’s best to get it from your current or previous loan provider. Although the answer depends on how your previous loan went, there are some advantages you can enjoy by getting your second loan from the same lender.

Best offers based on your previous payments

Acquiring a second loan from the same lender as your first loan can provide many benefits.

One of these advantages is to unlock incredible offers provided by the lender, given that you have a good payment history on your previous loan. This is why it is strongly recommended that you approach your current lender if you are considering acquiring a new loan. You will be able to get approved for the loan you are applying for easily and quickly rather than getting it from a new loan provider.

You may also get additional benefits that a lending institution only provides to previous or existing borrowers.

Could acquire a better interest rate

Being a recurring borrower does not guarantee you a good personal loan rate. However, if you have a solid credit history and you’re a solid loan seeker, this, combined with the fact that you’ve worked with your lending company before, could pave the way for a good deal.

This is also why you need to make sure that you repay your loans on time to increase your chances of getting the best interest rate once you take out a loan again in the future.

You already know what to expect

Working with a lender from your first loan to the next will give you an idea of ​​what to expect. Each lender has a different way of processing loan applications and has different requirements.

It will be less stressful for you if you take out your new loan with your current lender, because you are already familiar with and used to the processes. You will be able to acquire the necessary documents and other requirements in advance since you already know what it is.

App could be faster

As you are familiar with the process and requirements, applying for a second personal loan from the same lender may provide you with faster application processing. This is because the lender already knows you and is familiar with your responsibility in repaying your loan. Thus, the approval process for your loan application will go quickly.

How to apply for a second personal loan

Now that you know the benefits, you can enjoy taking out a second personal loan from the same lenders. You might want to consider getting one if you really need the extra cash. Here are the things to remember when applying for a second personal loan.

Find out if you are still eligible to apply with your current lender

Acquiring a second loan from your existing lender can be beneficial. However, considering your previous loan situation, you must first find out if you qualify for a second loan from said lender.

Look for the best option

If you don’t qualify for another loan from your current lender, you should look for another option. Make sure you choose the best lender to give you a second personal loan. You can consult CreditNinja and discover their loan offers adapted to your needs.

Apply for the loan

Once you have found the best lender for you, whether it is your current lender or a new lender, you can now begin the application process. First, apply for the loan by following your instructions according to the lender’s loan process. Next, gather all the requirements and complete all the necessary forms.

Things to consider before taking out a second loan

Taking out a second loan can be tempting. While this has helped many borrowers, you still need to look at your situation and consider things like:

This will impact your credit score

Having multiple loans will impact your credit score. For each loan you request, an in-depth investigation will be carried out on your credit report, causing your score to drop. A thorough investigation usually lasts up to two years on your credit history.

You could be trapped in debt

Too many loans will put you in more debt and keep you trapped. It is always best to pay off existing debts first. Then you acquire an additional loan. However, if it is really necessary to obtain a second loan, such as in an emergency, you must ensure that you pay it back on time.

Are you ready to apply for a second personal loan?

With all the information you have acquired, are you ready to take out a second personal loan? Remember that if you decide to get a second loan, taking it from your existing lender would be more advantageous as long as you are eligible.

DISCLAIMER: Branded Voices offers paid content from our marketing partners. Articles are not created by Native News Online staff. The views and opinions expressed in Branded Voices are those of the authors and do not necessarily reflect the official policy or position of Native News Online or its ownership. Any content provided by our bloggers or authors is of their opinion and is not intended to slander any religion, ethnic group, club, organization, company, individual or anyone or anything.

National Museum of African American Music opens new exhibit honoring rap legend Lil Wayne on his 40th birthday

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NASHVILLE, Tenn. (TN Tribune) – The National Museum of African American Music
(NMAAM) announces a new exhibition with the rapper, songwriter and
executive, Lil Wayne. NMAAM will host an event for local college students to view the artifacts first and engage in a celebration and panel discussion presented by Vanderbilt faculty for the artist. The exhibit includes artifacts donated personally by Lil Wayne and will honor his upcoming 40th birthday on September 27, 2022.

Lil Wayne is the first hip-hop artist to support the museum’s mission and values ​​with a fully curated set of artifacts. The exhibit will feature his ‘Rap Album of the Year’ Grammy, ‘I Am Hip-Hop’ BET award, outfits from classic moments as well as other highlights including his first handwritten letter from Rikers, the CD Tha Block Is Hot and more.

“I’m so grateful to be working with NMAAM and showing students how hip-hop has been so
affect culture,” Lil Wayne said. “Shout out to NMAAM for all the birthday love.”
In addition to the unveiling of the exhibit, students will have the opportunity to hear Lil
Wayne virtually. The unveiling will include live music and an interactive engagement allowing students to record themselves to Lil Wayne’s lyrics in the Museum’s Rap Booth and talk about his impact on American music and their lives. NMAAM will host a live open lecture on the impact of Lil Wayne presented by Professors Vanderbilt, Dr. Gillum Sharpley, Associate Chair of African American and Diaspora Studies, and Dr. Michael Eric Dyson, Centennial Chair and University Professor Emeritus of African Americans and the Diaspora. Studies in special subjects in the humanities, from Dr. King to Lil Wayne.

Although the lecture is part of a pre-existing course, NMAAM in partnership with Vanderbilt
will publish the discussion to students who register to attend the talk in person at the Museum and can view the live stream on NMAAM’s Facebook.

“We are thrilled to honor and introduce Lil Wayne and begin our relationship with such a
generous donation,” said H. Beecher Hicks, III, President and CEO of NMAAM. “On the heels
of Mr. Carter expressing his interest in partnering with us, we found out that ten years ago (on Carter’s 30th birthday (September 27, 2012)) he became the first male artist to surpass Elvis Presley with the most entries on the Billboard Hot 100, with 109 songs. What better way to celebrate his 40th than by commemorating his accomplished career with an exhibition to honor over 25 years of impact on the music we listen to and the multiple genres he has shaped, as well as the story we tell. here at NMAAM.

This special exhibition will be presented until December 27. To visit the museum, visit the
Museum website nmaam.org to purchase tickets and learn more.

The National Museum of African American Music is the only museum in the world dedicated solely to preserving African American musical traditions and celebrating the central role African Americans have played in shaping American music. Based in Nashville, Tennessee, the museum shares the story of the American soundtrack by integrating history and interactive technology to honor musical heroes of African-American music past and present. For more information, please visit www.blackmusicmuseum.org.

National Museum continues the conversation with the country |

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In a small, unstable room in an inner Sydney house, one of Australia’s greatest anthems was born. Iva Davies wrote Great Southern Land between the tumult of passing buses and the planes overhead, having to wear headphones to hear yourself work. Today, 40 years after its release, the song has yet again been immortalized as the title of the National Museum of Australia’s new permanent gallery.

Celebrated with an Icehouse performance of the title track, the Great Southern Land Gallery was officially opened on Thursday, September 15. Visitors are invited to walk with the ghosts of time through four chapters that explore Australia’s rich history. Entry is through Bunya Forest, where the 7.5m tall trunks were made from casts of living trees in southeast Queensland.

Once inside, discover the wonders of Australia with big animals like the life-size killer whales that helped whalers hunt humpback whales, or the stuffed saltwater crocodile, a prehistoric apex predator. There are man-made marvels such as jewelry created with finds from our gold fields, a whale bone corset and bush toys from the Arrente children. The gallery captures the diversity of Australia’s natural wealth with a wall of various minerals collected from Broken Hill and a crisp documentary about Uluru.

Although the new gallery cannot include everything from our past, it does a phenomenal job of highlighting important elements of the Australian experience.

“Creators face the same dilemma I encountered with a song; we can’t capture everything,” Davies said. “But certainly there’s enough to give you an incredible insight into very specialized bits of Australia and history and to ask a lot of questions, which I guess is probably the most important thing about of an exhibition.”

Davies wrote the iconic song after returning from his first international tour; during the six months of their absence, Circular Quay in Sydney installed its first McDonalds. Davies then reflected on the country’s history; if he were to do the same now, he doesn’t think he would change much in the classic hit. He says the changes are noticeable in the cities, but once you leave them, it’s how it’s always been.

“A lot of things have changed, a lot of things haven’t changed,” Davies said. “Only two weeks ago we played Uluru and I was very fortunate to take my son, who is a guitarist. We did this flight through central Australia, across Lake Eyre and I think his head exploded the same way mine did when we were leaving for that first international tour. I guess that was the first light bulb moment for me that started the song. I looked at it and I was like, ‘No, it hasn’t changed; it’s fantastic’.”

The event also marked the official launch of the Tim and Gina Fairfax Discovery Centre. The two renovations were the Museum’s largest since it opened in 2001 and redesigned a third of the complex at a staggering $34 million outlay.

Curator Dr. Jonathan Linen at the launch of the Tim and Gina Fairfax Discovery Centre.

The Discovery Center is a place where kids can do things most of them want to do in any museum – play with all the fun items on display! Each section relates to an element of one of the exhibits and encourages children to learn through self-directed, play-based principles.

“Kids can learn about it, and then if parents want to go deeper, they can go into the galleries and see the objects directly related to those stories,” said curator Dr Jonathan Lineen.

Dr Linen said the reason he worked for the Museum was to bring his own children there when they were young. One member of staff joked that he was so over there he should be working there – and now he does! Work on the new Discovery Center began in 2017, consulting with early childhood education experts, parents and children to understand what they wanted from the space.

“I asked them at one point ‘what do children really get at the Museum?’ They immediately said they were animals. We knew we had to structure it around animal stories, and the benefit was that the animals were part of the landscape and that connected this space to the new environmental history gallery,” he said.

Australian animal stories have been broken down into five defined sections. The Quiet Zone is based on Wiradjuri’s story of how the kangaroo got its pouch, with cozy play pods mimicking the experience of a joey in its mother’s pouch. Australia’s most famous sheep, Chris, makes an appearance in an active play where children experience what it would be like to move around the shearing shed. Gelam, a Torres Strait myth, engages children in team building and cognitive exercises, while Trim, Matthew Flinders’ feline passenger, hides among the ship’s rigging in a gross motor skills area while learning what life was like for a cat on a ship in the 18th century. Finally, the imagination is stimulated when children dress up in the billabong Bunyip.

Next to the playground there is space for children to be creative around tables and a mini museum exhibition under glass. The exhibits relate either to the stories told in the discovery center or to what connects museums and children, the love of collecting. By displaying objects from different time periods, the museum aims to spark a conversation between child and carer about how things change over time.

“I wish I had this space when my kids were little. There’s so much room for conversation here. So much space for them to learn Australian history without bumping their heads. You can come back again and again and there are more questions.

The Discovery Center is open for several 75-minute sessions each day with prices starting at $15 for a child and an adult. Once a month, the Center will host a day of free games, while admission is always free for members who are friends of the Museum.

Find out more about what’s happening at the Museum via nma.gov.au

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When to refinance a personal loan

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How to refinance a personal loan

Let’s see how to refinance a personal loan, step by step.

1. Check your loan amount

First, check the exact amount you need to borrow on a new personal loan to pay off your original loan(s). Check the total loan amount owed as well as other significant costs or fees you may incur to repay your original loan and secure your new loan, such as origination fees you may have to pay with your new lender. Origination fees are those charged by a lender to process a new loan application.

2. Check your credit score and credit report

It is important to understand your credit score before refinancing because your credit score directly affects your interest rate. A credit score is a three-digit number that indicates how well you manage your debts. In order to get pre-approved for a loan, your lender may do an informal credit check.

A serious inquiry, on the other hand, occurs when you allow someone to check your credit. If you have poor credit, you may want to improve your credit score before refinancing to get the best possible interest rate on your personal loan refinance.

You can pull your credit report to check your credit history. This is a summary of how you manage credit and to check for any inaccuracies before requesting a refinance. It’s a good idea to correct mistakes before refinancing for the best results.

You are entitled to a free credit report each year from each of the three major reporting companies – Equifax®, Experian™ and TransUnion®. Report any errors to each reporting company before prequalifying for a new loan.

3. Prequalify for a new loan

After checking your credit reports for errors, you can prequalify for a new personal loan. This is considered light credit, which will not affect your credit score. You will need to provide certain information, such as your name, address, income, social security number, and date of birth. Once pre-approved, your lender will share personal loan rates, terms and amounts with you.

4. Compare lenders and loan terms

Carefully compare lenders and loan terms. Banks and other lenders may offer different rates. Check out the various fees associated with refinancing (such as origination fees) and how you might pay for them over the life of your loan.

Note that you may want to contact your current lender to renegotiate the terms of your original loan, especially if you enjoyed working with your current lender.

5. Apply for a new personal loan

Finally, you will need to apply for your new personal loan, which may require you to provide your lender with your bank account information, identification documents, pay stubs, bank statements, etc. Your lender will also ask permission to do a serious credit check, which can impact your credit score. Your new lender will then repay your old loans and you will eventually start repaying your new loan.

Should you take out a car loan or a personal loan to buy a car? Compare interest rates

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Often, decisions about a financial product are difficult. People do not know what to do when they choose one of the two borrowing options available. If you are planning to buy a new car, you can take out an auto loan or a personal loan to buy your vehicle.

A personal loan is an unsecured loan, while a car loan is a secured loan because your vehicle is mortgaged to the bank until you repay your loan to the lender in full. The personal loan amount varies depending on your monthly income, credit score, employment status, etc.

On the other hand, auto loans are taken out against the vehicle you wish to purchase. For example, if you are planning to buy a car worth Rs 15 lakh and you want to borrow Rs 12 lakh as a loan, the lender will consider the value of your car along with your monthly salary and score. credit. If everything is in order, the lender will sanction the loan for you.

Many lenders offer you up to 90% of the total cost of the vehicle, but some may even offer you a 100% loan if your income and credit history are intact.

Also Read: What Happens When You Default on 3 Consecutive Home Loan EMIs?

The significant difference between an auto loan and a personal loan is the requirement of an asset to obtain funds. For unsecured loans like personal loans, you don’t need collateral like a car, property, or gold to borrow money. If you default on the secured loans, the lender has the legal right to auction off your property/car and collect the dues.

Borrowers should remember that both loans are available quickly without physically going to banks. They can apply for the loan online and get the same disbursement if their financial records comply with the bank’s terms and conditions.

It is important to note that the interest rate may differ in the case of personal loans. Personal loans generally charge a higher interest rate, while auto loans are available at a lower interest rate because your property is mortgaged to the lender as collateral.

There is a high risk for the lender when he lends you money without collateral. The risk factor involved makes personal loans expensive. Personal loans can be used to buy a car in case you are not eligible to borrow the amount you need through a car loan. A personal loan can help you borrow a higher amount to pay even the 100% value of your vehicle, but you should check your repayment capacity before applying for such loans. Your credit score plays an important role when borrowing a personal loan, according to BankBazaar.com.

Also read: Want to improve your eligibility for a personal loan? Follow these 4 tips

A car loan is a good option if you can get the loan amount you need quickly. Your interest rate will be lower and you can repay what you borrow through EMIs. Even if your credit score is not very high, you can still get a car loan because the vehicle will serve as collateral with the lender.

Borrowers should pay attention to loan terms for both car loans and personal loans and compare interest rates from different lenders to get the best deal. You can use EMI calculators for auto and personal loans to clarify EMIs.

The table below helps you compare car and personal loans as well as interest rates and EMIs on the loan amount of Rs 10 lakh for five years.

Auto Loan vs Personal Loan – Comparison of Interest Rates

EMI on New Car Loan and Personal Loan Compared Assuming Loan Amount of Rs 10 Lakh for 5 Year Term

Compiled by BankBazaar.com

Note: Lowest interest rate on auto and personal loans for all listed public and private banks (BSEs) considered for data compilation (excluding small financial banks and EV loans); Banks whose data is not available on their website are not taken into account. Data collected from the respective bank’s website as of September 20, 2022. Banks are listed in ascending order based on car loan interest rate, i.e. the bank offering the interest rate the lowest on the car loan is placed at the top and the highest at the bottom. The lowest interest rate offered by banks, regardless of the loan amount, is shown in the table. The EMI is calculated on the basis of the interest rate mentioned in the table for the Rs 10 Lakh loan with a tenor of 5 years (processing fees and the like are assumed to be zero for the calculation of the EMI); The interest mentioned in the table is indicative and may vary depending on the general conditions of the bank.

Soaring Personal Loan Interest Rates for 5 Year Fixed Rate Loans

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Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders, all opinions are our own.

The latest personal loan interest rate trends from Credible Marketplace, updated weekly. (Stock)

Borrowers with a good credit application personal loans in the last seven days pre-qualified for higher rates for 3 and 5 year loans compared to the previous seven days.

For borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender between September 15 and September 21:

  • Rates on 3-year fixed-rate loans averaged 11.89%, down from 11.74% the previous seven days and from 10.70% a year ago.
  • Rates on 5-year fixed rate loans averaged 16.03%, down from 15.03% the previous seven days and from 14.35% a year ago.

Personal loans have become a popular means of consolidate and pay off credit card debt and other loans. They can also be used to cover unexpected expenses like medical billstake care of a major purchase or finance home improvement projects.

Personal loan interest rates have increased over the past seven days for 3 and 5 year loans. Three-year loan rates rose a slight 0.15 percentage points, while 5-year loans jumped one percentage point. In addition, interest rates for both loan terms are higher than they were at the same time last year. Yet borrowers can take advantage of interest savings now with a 3- or 5-year personal loan. Both loan terms offer significantly lower interest rates than higher cost borrowing options like credit cards.

Whether a personal loan is right for you often depends on several factors, including the rate you may qualify for. Comparing several lenders and their rates could help you get the best possible personal loan for your needs.

It’s always a good idea to comparison store on sites like Credible to understand how much you qualify for and choose the best option for you.

Here are the latest personal loan interest rate trends from the Credible Marketplace, updated monthly.

Personal Loan Weekly Rate Trends

22-september-personal-loan-tendencies.jpg

The table above shows the average prequalified rates for borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender.

For the month of August 2022:

  • 3-year personal loan rates averaged 15.03%, down from 11.04% in July.
  • 5-year personal loan rates averaged 16.52%, down from 13.72% in July.

Personal loan rates vary widely depending on credit rating and length of loan. If you’re curious about what kind of personal loan rates you might qualify for, you can use an online tool like Credible to compare the options of different private lenders. Checking your rates will not affect your credit score.

All Credible Marketplace lenders offer fixed rate loans at competitive rates. Since lenders use different methods to assess borrowers, it’s a good idea to ask for personal loan rates from multiple lenders so you can compare your options.

Current personal loan rates by credit score

graphic-loans-sept-22.jpg

In August, the average prequalified rate retained by borrowers was:

  • 9.05% for borrowers with a credit score of 780 or higher choosing a 3-year loan
  • 30.84% ​​for borrowers with credit scores below 600 choosing a 5-year loan

Depending on factors such as your credit score, the type of personal loan you are looking for, and the repayment term of the loan, the interest rate may differ.

As the chart above shows, a good credit rating can mean a lower interest rate, and rates tend to be higher on loans with fixed interest rates and longer repayment terms.

How to get a lower interest rate

Many factors influence the interest rate a lender can offer you for a personal loan. But there are steps you can take to increase your chances of getting a lower interest rate. Here are some tactics to try.

Increase credit score

Generally, people with higher credit scores qualify for lower interest rates. Steps that can help you improve your credit score over time include:

  • Pay your bills on time. Payment history is the most important factor in your credit score. Pay all your bills on time for the amount owed.
  • Check your credit report. Check your credit file to make sure there are no errors. If you find any errors, dispute them with the credit bureau.
  • Reduce your credit utilization rate. Paying off credit card debt can improve this important credit score factor.
  • Avoid opening new credit accounts. Apply for and open only the credit accounts you really need. Too many serious inquiries on your credit report in a short time could lower your credit score.

Choose a shorter loan term

Personal loan repayment terms can vary from one to several years. Typically, shorter terms come with lower interest rates because the lender’s money is at risk for a shorter period.

If your financial situation allows it, applying for a shorter term could help you get a lower interest rate. Keep in mind that the shorter term doesn’t just benefit the lender – by choosing a shorter repayment term, you’ll pay less interest over the life of the loan.

Get a co-signer

You may be familiar with the concept of a co-signer if you have student loans. If your credit isn’t good enough to qualify for the best personal loan interest rates, find a co-signer with good credit could help you get a lower interest rate.

Remember that if you are unable to repay the loan, your co-signer will have to repay it. And co-signing a loan could also affect their credit score.

Compare rates from different lenders

Before applying for a personal loan, it’s a good idea to shop around and compare offers from several different lenders to get the lowest rates. Online lenders generally offer the most competitive rates and can be quicker to disburse your loan than a physical establishment.

But don’t worry, comparing rates and terms doesn’t have to be a tedious process.

Credible is easy. Simply enter the amount you wish to borrow and you can compare multiple lenders to choose the one that suits you best.

About Credible

Credible is a multi-lender marketplace that allows consumers to discover the financial products best suited to their particular situation. Credible’s integrations with major lenders and credit bureaus allow consumers to quickly compare accurate and personalized loan options without putting their personal information at risk or affecting their credit score. The Credible Marketplace delivers an unparalleled customer experience, as evidenced by over 4,500 positive Trustpilot reviews and a TrustScore of 4.7/5.

The national museum of animal art will exhibit for the love of canines

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Carl Rungius (Germany, 1869 – 1959), Red Fox, 1933. Oil on canvas. 30 x 40 inches. Jackson Hole Preserve, National Museum of Animal Art. © Estate of Carl Rungius.

William Gollings (American, 1878 – 1932), The Call, 1910. Oil on canvas. 14 ½ x 10 ½ inches. JKM Collection®, National Museum of Animal Art.

The National Museum of Animal Art (NMWA) will open For the love of canines, an exhibition dedicated to wild canines, on Saturday October 22, 2022. The exhibition questions the relationship and fascination of humans with canines, whether in love or disgust, through works of art from the permanent collection of the NMWA and will be open until September 30, 2023.

“The subject of canids will touch many visitors,” says museum director Steve Seamons. “Many of us live with dogs, or at least see them daily. It’s also a wonderful opportunity to display pieces that haven’t been on display recently. With over 5,000 works in the permanent collection of the Museum, we are always striving to rotate new works through the galleries for the public to enjoy.

Wild dogs, including foxes, coyotes, and wolves, have had significant social and cultural significance to humans around the world throughout history. However, there are conflicting emotional opinions regarding these familiar predators. Foxes, for example, although prized for their beauty and cunning, are often looked down upon for preying on small livestock, such as chickens and ducks. Coyotes nearly became extinct during Western colonization and are also part of the cosmology of some indigenous cultures; sometimes considered a creator, Coyote can also be mean or jester. Yet the one thing all wild dogs have in common is a genetic relationship to our own beloved domestic dogs.

Terrance Guardipee (Blackfeet, b. 1968), Black Wolf Society, 2020. Oil stick on old paper. 19 x 36 inches. Gift of the 2020 Blacktail Gala, National Museum of Wildlife Art. © Terrance Guardipée.

“I first chose this theme of canines to complete Wolves: Photograph by Ronan Donovansays art curator Tammi Hanawalt, Ph.D. I couldn’t stop thinking about my own dogs. There is, of course, a connection between wild dogs and our pets – genetically and emotionally. Domestic dogs share over 90% of the same DNA as wolves and in comparison, wolves and dogs have similar play patterns and affection for each other. Hanawalt continued, “but all wild canids are also predators that we compete with. For the love of canines explores human/canine relationships through artwork from the 19th century to the present day to take a closer look at diverse perceptions about the four-legged creatures we call both friend and foe.

For the love of canines is generously sponsored by Val and Dick Beck, Halloran, Farkas and Kittila LLP, MJ Hunt and Bernie Little, Adrienne and John Mars, Tally and Bill Mingst, Singleton Peery and Wyoming Arts Council.

Top talent looking to add their names to the history books at 2022 ITA USA Championships

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TEMPE, AZ. – As we inch closer to the 2022 ITA All-American Championships, many of the nation’s top Division I players will converge in both Cary, North Carolina (women’s) and Tulsa, Oklahoma (men’s) as they seek to write their names in the distinguished history books of past champions.

At the ITA Women’s USA Championships, to be held at Cary Tennis Park for the first time in the event’s history, more than 150 of the country’s top players will compete in pre-qualifiers, qualifiers, and the draw. principal in singles and doubles during the championship.

Since the first year of competition in 1983, the ITA USA Women’s Championships have seen many previous champions go on to great careers on the professional circuit. Some of these previous singles champions include Danielle Collins (Virginia, 2015), Fernanda Contreras Gomez (Vanderbilt, 2017) and Robin Anderson (UCLA, 2014) to name a few.

In 2022, nine of the top ten women’s singles players on the Tennis-Point sponsored ITA Collegiate Tennis National Pre-Season Rankings will compete in the main draw, with countless other nationally ranked players completing the qualifying and pre-season draws. -qualification.

For the ITA Men’s All-American Championships, the action will once again take place in Tulsa, Oklahoma at the Michael D. Case Tennis Center and LaFortune Park, where the brightest stars in men’s college tennis will compete for the title of ITA Men’s Champion All-American.

In previous years players such as Ben Shelton (Florida, 2021), JJ Wolf (Ohio State, 2018), John Isner (Georgia, 2005) and James Blake (Harvard, 1998) have all won this renowned tournament in during the fall season. .

This season, the field is stronger than ever, with nineteen of the top twenty players ranked on the ITA Collegiate Tennis National Preseason Rankings making it to the main draw of the US Men’s Singles Championship.


Quick Facts About the 2022 ITA All-American Championships

Men’s US Championships:

  • Dates: October 1 to 9, 2022
  • Pre-qualification: October 1 and 2
  • Qualifying: October 3 & 4
  • Main Draw: October 5-9
  • Hosted by: University of Tulsa
  • Event page

Women’s All-American Championships:

  • Dates: October 1 to 9, 2022
  • Pre-qualification: October 1 and 2
  • Qualifying: October 3 & 4
  • Main Draw: October 5-9
  • Organized by: Cary Tennis Park (Duke, North Carolina, NC State)
  • Event page
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National Museum of American Latino arrives in DC, director talks about effort in Colorado

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The Smithsonian Institution is embarking on an attempt to tell a fuller story of who we are as a nation.

The National Museum of the American Latino will showcase the history, art, culture and scientific achievements of Latinos.

Jorge Zamanillo, the museum’s director, visited CBS Colorado Mornings to learn more about the work underway to bring the stand-alone museum to life, a process that is expected to take a decade.

Zamanillo was in town to speak to History Colorado on Wednesday afternoon. The National Museum of the American Latino was approved by Congress in bipartisan legislation passed in 2020.

Visitors to the National Mall can now get a glimpse of what to expect at the National Museum of American History, where the Molina Family Latino Gallery opened its first exhibit last June.

museum-latino-2.jpg

Smithsonian


The exhibit tells the stories of Latinas and Latinos who shaped the United States. Indigenous freedom fighter Toypurina, Mexican American labor leader César Chávez, Puerto Rican baseball player Roberto Clemente, Guatemalan labor organizer Luisa Moreno, Colombian American drag queen José Sarria and Cuban American singer Celia Cruz are just a few. historical and contemporary figures presented in the exhibition.

Zamanillo said, “We’ve made incredible efforts over the past few years through the Latino Center to establish a presence in DC, in the Smithsonian and now we’re taking it to the next level…to get Latino representation on the mall. .”

museum-latino-1.jpg

Smithsonian


Asked to address the diversity of the country’s Latino communities, Zamanillo highlighted History Colorado’s Memory Museum initiative, saying “It’s not a monolithic community. We’re diverse. But it starts at the local level. There’s a great example here, History Colorado, where we’re partnering with our colleagues at this museum because they’re capturing these local stories and it eventually becomes national stories. We will partner with these different institutions across the United States to make sure these stories are heard.

How to get a good interest rate for a personal loan

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Interest rates are on the rise as the Federal Reserve tries to fight record inflation. The central bank is doing this to make loans more expensive and they can try to slow the economy down, hopefully without sending it into a recession.

However, rising interest rates mean that loans are now becoming more expensive and less desirable, compared to record demand since the start of the pandemic.

But can you still get a reasonable interest rate on a personal loan?

Select is studying how you can get the best possible rate on all loans in the new future and how to improve the rates on your current outstanding loans.

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How to get a low interest rate on a personal loan

The average rate for a personal loan over 24 months is 8.73%, according to the latest Federal Reserve Data. However, this average rate has been declining since 2018, when it was 10.32%. It is also important to remember that these are only average rates. There are currently personal loans with APRs below 4%.

Here are the three main components to getting the best possible interest rate.

1. A good credit score

Getting the best rate on a personal loan is no secret – the higher your credit score, the more likely you are to get a better interest rate. You generally need to have a very good or excellent credit score (740 and above) to qualify for the lowest rates. Additionally, a higher score can bring you other benefits like a longer repayment period and a bigger loan.

However, don’t let a less than perfect credit score deter you from applying. Even if you don’t have great credit, there are still ways to get a personal loan with a great interest rate. Other factors are considered by lenders to determine what you may qualify for, such as your work experience and educational background. In fact, there are personal loans specifically for those with poor credit scores, including:

Beginner personal loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, credit card refinancing, marriage, moving or medical

  • Loan amounts

  • Terms

  • Credit needed

    FICO or Vantage score of 600 (but will accept applicants whose credit history is so poor that they have no credit score)

  • Assembly costs

    0% to 8% of target amount

  • Prepayment penalty

  • Late charge

    Greater of 5% of monthly amount past due or $15

OneMain Financial Personal Loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, big expenses, emergency expenses

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

    Flat fee from $25 to $1,000 or percentage ranging from 1% to 10% (depending on your state)

  • Prepayment penalty

  • Late charge

    Up to $30 per late payment or up to 15% (depending on your state)

If you are unsure of your credit score, you may consider signing up for a credit monitoring service like Chase Credit Journey Where Capital One CreditWise®.

2. Your work history

The second part is the employment history. The lender will likely ask you for a work history to show that you can afford to repay the debt. To prove this, you’ll probably need to get a letter from your manager or the human resources department. Although more difficult, it is still possible to get approved for a personal loan if you are unemployed.

3. Verifiable income

Finally, you will need some type of verifiable income. As with work history, the lender will want to see your current income to ensure you can make the monthly loan payments. This is especially useful if you are still working to improve your credit score. Again, this may be a bit more difficult, but you can still get approved for a personal loan if you are self-employed and have irregular income.

Compare offers to find the best interest rate

Like anything else, you need to shop around for the best deal and the best loan terms. So if you’re looking for a personal loan to help pay off your credit card debt, starting a home renovation or just need a break — it’s best to start shopping for what you need.

Even if you don’t need the money for several months, it pays to know what the rates look like and what your monthly payment will be to pay off the debt.

If a personal loan is in your future, consider our top lender picks:

LightStream Personal Loans

  • Annual Percentage Rate (APR)

    3.99% to 19.99%* when you sign up for autopay

  • Purpose of the loan

    Debt consolidation, renovation, car financing, medical expenses, marriage and more

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Marcus by Goldman Sachs Personal Loans

  • Annual Percentage Rate (APR)

    6.99% to 24.99% APR when you sign up for autopay

  • Purpose of the loan

    Debt consolidation, home improvement, wedding, moving and moving or vacation

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

SoFi Personal Loans

  • Annual Percentage Rate (APR)

    7.99% to 23.43% when you sign up for autopay

  • Purpose of the loan

    Debt consolidation/refinance, home improvement, relocation assistance or medical expenses

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Select also has a comparison tool and a loan market that allows you to easily view different loan offers. You’ll need to answer a few questions and Even Financial will determine the best deals for you. The service is free, secure and does not affect your credit score.

This tool is provided and powered by Even Financial, a search and comparison engine that connects you with third-party lenders. Any information you provide is given directly to Even Financial and it may use that information in accordance with its own Privacy policies and Terms of use. By submitting your information, you agree to receive emails from Even. Select does not control and is not responsible for the policies or practices of third parties, and Select does not have access to the data you provide. Select may earn an affiliate commission on partner offers in the Even Financial tool. The commission does not influence the selection in the order of the offers.

At the end of the line

Personal loans are a solid option for consumers to help pay off lingering debt or even get by for a while. unexpected job loss.

However, before applying, make sure you are familiar with the terms of the loan, including the interest rate, whether it is a fixed or variable APR, and how long you must repay the loan in full.

Check out Select’s in-depth coverage at personal finance, technology and tools, The well-being and more, and follow us on Facebook, instagram and Twitter to stay up to date.

Editorial note: Any opinions, analyses, criticisms or recommendations expressed in this article are those of Select’s editorial staff alone and have not been reviewed, endorsed or otherwise endorsed by any third party.

Personal loan interest rates soar for 3- and 5-year loans

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Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders, all opinions are our own.

The latest personal loan interest rate trends from Credible Marketplace, updated weekly. (Stock)

Borrowers with a good credit application personal loans in the last seven days pre-qualified for higher rates for 3 and 5 year loans compared to the previous seven days.

For borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender between September 12 and September 18:

  • Rates on 3-year fixed-rate loans averaged 11.91%, down from 11.68% the previous seven days and from 11.14% a year ago.
  • Rates on 5-year fixed-rate loans averaged 15.94%, down from 15.05% the previous seven days and from 14.88% a year ago.

Personal loans have become a popular means of consolidate and pay off credit card debt and other loans. They can also be used to cover unexpected expenses like medical billstake care of a major purchase or finance home improvement projects.

Personal loan interest rates have increased over the past seven days for 3 and 5 year loans. Three-year loan rates increased by 0.23 percentage points, while 5-year loans saw a larger increase of 0.89 percentage points. In addition, interest rates for both loan terms are higher than they were at the same time last year. Yet borrowers can take advantage of interest savings now with a 3- or 5-year personal loan. Both loan terms offer significantly lower interest rates than higher cost borrowing options like credit cards.

Whether a personal loan is right for you often depends on several factors, including the rate you may qualify for. Comparing several lenders and their rates could help you get the best possible personal loan for your needs.

It’s always a good idea to comparison store on sites like Credible to understand how much you qualify for and choose the best option for you.

Here are the latest personal loan interest rate trends from the Credible Marketplace, updated monthly.

Personal Loan Weekly Rate Trends

19-september-tendances-personal-loans.jpg

The table above shows the average prequalified rates for borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender.

For the month of August 2022:

  • 3-year personal loan rates averaged 15.03%, down from 11.04% in July.
  • 5-year personal loan rates averaged 16.52%, down from 13.72% in July.

Personal loan rates vary widely depending on credit rating and length of loan. If you’re curious about what kind of personal loan rates you might qualify for, you can use an online tool like Credible to compare the options of different private lenders. Checking your rates will not affect your credit score.

All Credible Marketplace lenders offer fixed rate loans at competitive rates. Since lenders use different methods to assess borrowers, it’s a good idea to ask for personal loan rates from multiple lenders so you can compare your options.

Current personal loan rates by credit score

sept-19-bar-chart-loans.jpg

In August, the average prequalified rate retained by borrowers was:

  • 9.05% for borrowers with a credit score of 780 or higher choosing a 3-year loan
  • 30.84% ​​for borrowers with credit scores below 600 choosing a 5-year loan

Depending on factors such as your credit score, the type of personal loan you are looking for, and the repayment term of the loan, the interest rate may differ.

As the chart above shows, a good credit rating can mean a lower interest rate, and rates tend to be higher on loans with fixed interest rates and longer repayment terms.

How to get a lower interest rate

Many factors influence the interest rate a lender can offer you for a personal loan. But there are steps you can take to increase your chances of getting a lower interest rate. Here are some tactics to try.

Increase credit score

Generally, people with higher credit scores qualify for lower interest rates. Steps that can help you improve your credit score over time include:

  • Pay your bills on time. Payment history is the most important factor in your credit score. Pay all your bills on time for the amount owed.
  • Check your credit report. Check your credit file to make sure there are no errors. If you find any errors, dispute them with the credit bureau.
  • Reduce your credit utilization rate. Paying off credit card debt can improve this important credit score factor.
  • Avoid opening new credit accounts. Apply for and open only the credit accounts you really need. Too many serious inquiries on your credit report in a short time could lower your credit score.

Choose a shorter loan term

Personal loan repayment terms can vary from one to several years. Typically, shorter terms come with lower interest rates because the lender’s money is at risk for a shorter period.

If your financial situation allows it, applying for a shorter term could help you get a lower interest rate. Keep in mind that the shorter term doesn’t just benefit the lender – by choosing a shorter repayment term, you’ll pay less interest over the life of the loan.

Get a co-signer

You may be familiar with the concept of a co-signer if you have student loans. If your credit isn’t good enough to qualify for the best personal loan interest rates, find a co-signer with good credit could help you get a lower interest rate.

Remember that if you are unable to repay the loan, your co-signer will have to repay it. And co-signing a loan could also affect their credit score.

Compare rates from different lenders

Before applying for a personal loan, it’s a good idea to shop around and compare offers from several different lenders to get the lowest rates. Online lenders generally offer the most competitive rates and can be quicker to disburse your loan than a physical establishment.

But don’t worry, comparing rates and terms doesn’t have to be a tedious process.

Credible is easy. Simply enter the amount you wish to borrow and you can compare multiple lenders to choose the one that suits you best.

About Credible

Credible is a multi-lender marketplace that allows consumers to discover the financial products best suited to their particular situation. Credible’s integrations with major lenders and credit bureaus allow consumers to quickly compare accurate and personalized loan options without putting their personal information at risk or affecting their credit score. The Credible Marketplace delivers an unparalleled customer experience, as evidenced by over 4,500 positive Trustpilot reviews and a TrustScore of 4.7/5.

Alberto Aguilar becomes the National Museum of Mexican Art

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CHICAGO — Alberto Aguilar is at the National Museum of Mexican Art. Not literally, not right away, but he’s been here recently and he’s been busy. It’s important because Aguilar makes art out of everything around him, wherever he is. When his four children were younger, this often meant the bulk of domestic life, and he was constantly arranging temporary sculptures in his and other people’s homes from clothes trees, duct tape, chairs and hoops. During a visit to Los Angeles, he fashioned lines in the street from fallen pink flowers; in Havana, he used dried corn cobs to fight eating chickens. At the Art Institute of Chicago, he created geometric murals from leftover exhibit murals. Between here and there, this and that, he sketched hundreds of Drawings in passingclever doodles and puns mostly done in pen on mini yellow pads of paper, where the printed lines could become the pattern for a tapestry or the scaffolding for a slanted list of 50 ingredients to use in the sauce mole.

Doing all of this, and especially doing it during the two decades that Aguilar was a practicing artist, requires a very particular set of skills and attitudes. These include being a masterful arranger, developer of usable systems and a seer of potential, as well as being tirelessly playful and improvisatory, brave with color and never too serious. Much is possible when someone thinks and acts this way, and much of that possibility is on display in Yo Soy Museo: new works by Alberto Aguilar at NMMA, until February 2023.

Installation view of Yo Soy Museo: new works by Alberto Aguilar at NMMA. Wall: series of self-portraits (2013-2022); pedestal: “Monolith (In Memoriam)” (2022) (courtesy the artist)
Alberto Aguilar, installation view of “Sentinels” (2022) (courtesy the artist)

Yo Soy Museum seems at first sight to belong to the category of exhibitions of collections organized by artists. It features a selection of masks from the museum’s collections, including a dizzying one with sparse plant fiber hair, bony protrusions, and a black and white concentric pattern that would make an Op Art painter blush. There are ceramic animals, pottery and glassware, art books, miniature sculptures, abstract wood reliefs, photographs, wall hangings, posters, and more. The presentation is tidy and well-balanced, with glass display cases, plenty of risers and pedestals, long wall tags, and a pair of benches for viewers to sit on. So far, so good. Indeed, I have no doubt that Aguilar could organize a terrific exhibition of collections, except that Yo Soy Museum is no such thing. If so, only the masks would have made the difference. And they wouldn’t each hang in the center of an old museum exhibit poster. The resulting overlays range from heretical defiance – this op art mask, by an indigenous Sonoran tribe called Comáac, partially obscures a 17th-century painting of saints and cherubim from the show Images of faith – with a suave aesthetic – for example, a carved wooden dog mask, whose neutral tones and markings match those of the abstraction used on a poster for a contemporary Mexican art exhibition.

Adjacent is a wall covered with a grid of 27 photographic self-portraits. Much like the poster-mask juxtapositions, in each of these images, Aguilar’s face is concealed by a situational prop: a black cat, an overturned basket, a bouquet of flowers, an outdoor sign, an empty bag of rice, vertical blinds, a wall at the beach with a hole the size of a head. There’s no limit to what a disguise can become, it seems – even a slice of white bread can work. A lot of it is hilarious, but not all of it – there’s something a little sad about a man with only a red and black basketball for his face, and people with bags over their heads remember hostage and torture situations. This variety of registers, from the comic to the tragic, corresponds to what I consider to be the general principle of Yo Soy Museumbut also Aguilar’s practice more generally: just about anything can become something else, given the right approach to materials, situations and self.

Alberto Aguilar, “Present Memory (A Revision)” (2022) (courtesy the artist)

The rest of Yo Soy Museum is interested in the kind of documents that a fiery archivist might unearth in the recesses of an institution which, while housing an important permanent collection of Mexican art on both sides of the border, has remained deeply attached to the local community which founded it in 1987. What is an artifact, what is a work of art, what is an accessory, what is decoration, what is is disposable – these are slippery questions at NMMA, and ones that Aguilar tackled with great enthusiasm and deliciously unpredictable results, including floating shelves built from overstock Gunther Catalogs Gerzso and a pair of energetic murals whose colors and shapes derive from the remains Dia de Muertos paint and accessories. The museum is popular for its annual Day of the Dead exhibition, which features offered new commissions every year from contemporary artists. Additionally, you can get sugar skulls decorated with the names of deceased loved ones.

“Present Memory (A Revision),” an altar-like wall-sized assemblage, features elements of particular significance to the history of NMMA: its original sunfaded panel, a framed photograph by Cesar Chavez and Carlos Cortéz with museum staff and board members, vinyl records from the Cortéz archives, mosaic commemorating 10 years of the museum, Cortez’s personal record player, 30 years of the left-leaning Mexican periodical Processa photo of Mayor Harold Washington attending the museum’s inaugural exhibit.

Installation view of Yo Soy Museo: new works by Alberto Aguilar at NMMA (photo Lori Waxman/Hyperallergic)

But nothing is presented as it has ever been or ever will be, a mutability particularly appropriate when it comes to memories. The recordings are obscured by streamers of white papel picado; turntable and magazine sets serve as bases for luchador toy rings filled with figures from the gift shop; an upside-down audio dome filled with plastic oranges and bananas used in Dia de Muertos showing off, becoming an enormous suspended fruit basket; painted wooden photo stands hang on the wall like a series of abstract reliefs. Cleverly arranged glassware from the museum’s dining room, broken ceramic jaguars from the gift shop, even a coiled air compression hose are also present; if they have no obvious historical importance for the institution, they are nevertheless part of its history. Aguilar makes sure they look like they belong.

One of the few articles of Yo Soy Museum which obviously hasn’t been subjected to Aguilar’s exuberant interpretation is a set of 13 balls made of paint and duct tape. These are the work of Luis Martín Gamez, or rather, they are the remains of his work: Gamez is associated with the NMMA installations and was the painter of the internal gallery for years. The balls are presented with reverence in a display case and classified by size, the exception which proves the rule: everything can also, always, be a work of art. It’s not that far to go from there in the title of this exhibition. Yo Soy Museumin other words, means anyone can be a museum.

Alberto Aguilar, “Sentinels” (2022), detail (photo Lori Waxman/Hyperallergic)
Luis Martín Gamez, “Record of Labor” (2002-14), paint and tape (courtesy the artist)

Yo Soy Museo: New Works by Alberto Aguilar continues at the National Museum of Mexican Art (1852 W. 19th Street, Chicago, Illinois) through February 12, 2023.

Things you didn’t know you could do with a personal loan

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Personal loans are installment loans with fixed monthly payments. Although they generally require you to have a good credit score to qualify, they can be a great choice for consumers who need some flexibility in how they spend their money.

Personal loans also tend to have lower annual percentage rates, or APRs, than traditional credit cards. According to The latest data from the Federal Reservein May 2022, the average interest rate for a 24-month personal loan was 8.73% while the average APR for interest-bearing credit cards (for cardholders who carried a balance) was 16, 65%.

If you’re considering taking out a personal loan to cover medical bills, home repairs, or other expenses, Select provides a more detailed look below at what you can and cannot use to pay for a personal loan.

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A few caveats about personal loans

The major advantage of a personal loan is that it is a lump sum of money that you can use to pay for most types of expenses. Many personal loan companies will provide you with the funds within a few business days, while some of them offer loans of up to $100,000.

There are, however, certain things that you are not allowed to pay with a personal loan. Check with your personal lender to see if there is anything specific they say you cannot use the funds for, as the lender may require you to repay the entire loan immediately with interest if you choose to. use it to cover prohibited expenses. .

Notably, most personal loans generally cannot be used to pay tuition, make a down payment on a home, or cover business-related costs. For this type of expense, it is better to opt for other types of credit or pay cash instead.

What can personal loans be used for

Other than that, personal loans can be used to pay for many things including wedding expenses, home repairs, medical expenses, a new car, moving expenses, household appliances, equipment. exercise and furniture, among other expensive items.

Personal loans can also be used for debt consolidation. With a debt consolidation loan, the new lender will pay off all your existing accounts, whether credit cards, student loans or other personal loans – you are then responsible for paying the personal lender a fixed monthly payment.

Debt consolidation can be helpful for those who are struggling to repay multiple loans or lines of credit. You should, however, make sure that you are not spending more interest with this type of loan than you would by making the payments on your existing accounts.

Select ranked Reached as one of the best debt consolidation loans for people with fair or average credit and LightStream as best for those with good or excellent credit.

Beginner personal loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, credit card refinancing, marriage, moving or medical

  • Loan amounts

  • Terms

  • Credit needed

    FICO or Vantage score of 600 (but will accept applicants whose credit history is so poor that they have no credit score)

  • Assembly costs

    0% to 8% of target amount

  • Prepayment penalty

  • Late charge

    Greater of 5% of monthly amount past due or $15

LightStream Personal Loans

  • Annual Percentage Rate (APR)

    3.99% to 19.99%* when you sign up for autopay

  • Purpose of the loan

    Debt consolidation, renovation, car financing, medical expenses, marriage and more

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  • Credit needed

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Fees to know

There are several fees associated with personal loans that you should be aware of. For starters, you might encounter late fees if you don’t make your payment on time or prepayment penalty fees, intended to discourage borrowers from prepaying their loan, if you manage to repay your loan before the term of the loan term. ends.

Finally, there may be a an origination fee, or fee for making the loan, which is usually represented as a percentage of the loan and deducted from the original loan amount. Origination fees can vary from 1% to 5% and many lenders do not charge any origination fees, such as Marcus by Goldman Sachs Personal Loans and LightStreammentioned above.

Also select rated PenFed Personal Loans and Discover personal loans among the best personal lenders based on several factors, including no origination fees, no prepayment penalty fees, and the length of the approval process.

PenFed Personal Loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, home improvement, medical bills, car financing and more

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Discover personal loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, home improvement, wedding or vacation

  • Loan amounts

  • Terms

    36, 48, 60, 72 and 84 months

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

At the end of the line

There are very few things personal loans can’t pay for. However, it’s still important to check the fine print and terms of your loan, as using it for prohibited expenses could force you to pay it back immediately.

Check out Select’s in-depth coverage at personal finance, technology and tools, The well-being and more, and follow us on Facebook, instagram and Twitter to stay up to date.

Editorial note: Any opinions, analyses, criticisms or recommendations expressed in this article are those of Select’s editorial staff alone and have not been reviewed, endorsed or otherwise endorsed by any third party.

Shan Goshorn Archive Goes to National Museum of the American Indian | Arts & Theater

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Most of the intricately woven, uniquely designed baskets that made Tulsa artist Shan Goshorn internationally famous and once filled the workroom of the downtown home she shared with her husband, Tom Pendergraft, are long gone.

“They’ve all been bought out,” Pendergraft said. “Almost all of them are in museums now. There are a few heirlooms that I still have.

Goshorn, a citizen of the Eastern Band of Cherokee, worked in a variety of media, including photography and painting, before beginning to combine traditional Cherokee weaving techniques with her passionate activism for Native American rights. She created baskets of archival paper, on which everything from historical documents to photographs were printed, to create objects of beauty that also contained scathing social commentary.

Her work was featured in group shows and solo shows across the country before her death in December 2018. In 2021, the Gilcrease Museum created an exhibit that showcased Goshorn’s work and her influence on other Indigenous female artists , titled “Weaving History into Art: The Enduring Legacy of Shan Goshorn.

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A year before Goshorn’s death, she pledged most of the research material she had accumulated for her work, along with a selection of personal papers, notebooks and photographs, to the National Museum of the American Indian in the Smithsonian Institution.

Last week, Rachel Menyuk, an NMAI Processing Archivist, came to Tulsa to begin the process of cataloging and transporting the Goshorn Archive to the museum.

Goshorn had a long relationship with the National Museum of the American Indian. In 2013, she received an Artist Fellowship from the Smithsonian to research some of the historic materials for her baskets. The museum also has several Goshorn baskets.

“Most people who come to a museum see the items on display and may not have any idea of ​​all the archival material associated with those items,” Menyuk said. “But archival records are vitally important because they provide the context for any given object, so we can better understand not just how an object was created, but why.”

Menyuk said she visited Tulsa in 2016, accompanied by one of the museum’s curators, to get a taste of what Goshorn had to offer at the museum.

“I remember Shan and I both laughed when one of them – I think it was Rachel – opened one of the filing cabinet drawers and said, ‘Oh, you have to come and see this. – everything is alphabetical! ‘” Pendergraft said.

“I’ve worked with a lot of archives where they pretty much dumped everything into boxes and shipped it out,” Menyuk said. “That’s why I get a little excited when I work with someone as organized as Shan.”

Goshorn’s meticulous record keeping was underscored when Menyuk discovered a folder on this trip titled “Facebook Posts”, which contained impressions of posts Goshorn had shared on social media during Menyuk’s previous visit.

It’s objects like this, Menyuk said, that show how archives are not the stereotypical collection of dusty books and yellowing papers, but a way to keep a creative spirit alive.

“We are dealing with an individual’s life’s work,” she said. “And what makes it really special is that it allows you to show all aspects of a person’s life and work – the things they did and the things that were going through their head when she made them. It helps tell a complete story about that person and their art.

Tulsa World Scene Podcast: Blue Whale from Route 66 to Catoosa Turns 50

Grace Wood and James Watts preview upcoming Scene features including Catoosa’s 50th Anniversary Route 66 Blue Whale; migration of monarch butterflies; the last full ballet from Tulsa; and more.



Bandi Sanjay hits out at KCR for not mentioning Nizams

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Hyderabad: On Saturday, Bharatiya Janata Party (BJP) state chairman Bandi Sanjay criticized Chief Minister and Telangana Rashtra Samithi (TRS) supremo K Chandrashekar Rao for being “two-faced”.

Taking to Twitter, the BJP leader said KCR did not mention the Nizams on the occasion of Telangana Jateeya Samaikyata Dinotsavam (National Telangana Integration Day).

He goes on to accuse the CM of not being aware of Telangana’s story. “Better late than never, at least now prioritize reading history over trolling books,” he tweeted.

Earlier in the day, CM KCR said the divisive forces are taking the opportunity of September 17 for their ‘narrow and selfish politics’ and he warned the people of Telangana to make sure the state does not descend down the “rabbit hole of hate”. ‘.

“I wish the people of Telangana on this auspicious occasion of the amalgamation of the state into the Union of India, which has changed from an aristocracy to a democracy. We have also recently celebrated the occasion of the seventy-five years of India’s independence in a way that creates a sense of patriotism among everyone. This celebration of Integration Day is a continuation of the same,” he said.

KCR reminded people of Doddi Komarayya, Ravi Narayana Reddy, Swami Ramananda Theertha, Sardar Jamalapuram Keshava Rao, Vattikota Alwar Swamy, Chakali Ailamma, Bheemreddy Narasimha Reddy, Nalla Narasimhulu, Bommagani Dharmabhiksham Goud, Aarutla Ramachandra Reddy, Aarutla Kamaladevi, Devulapalli Venkateshwar Rao and Baddam Ellam Reddy who played an important role in the freedom struggle in the history of Telangana.

Additionally, KCR announced that the state government will pass the GO to increase the Scheduled Tribes quota from 5% to 10% over the next week.

“Either the center accepts our GO or it will act as a noose for Prime Minister Narendra Modi,” KCR remarked.

The Chief Minister also announced that agricultural land has been identified to be provided to Adivasis cultivating on podu lands. He also announced that the “Girijana Bandhu” program, similar to the existing Dalit Bandhu program, will also be implemented in the near future.

The National Museum of the USAF ready to celebrate the 75th anniversary of the service

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The feather used by former President Donald Trump in the new branch of the United States Armed Forces, the US Space Force, is on display at the National Museum of the US Air Force, on the occasion of the 75th anniversary of the Department of the Air Force. MARSHALL GORBYSTAFF

The feather used by former President Donald Trump in the new branch of the United States Armed Forces, the US Space Force, is on display at the National Museum of the US Air Force, on the occasion of the 75th anniversary of the Department of the Air Force. MARSHALL GORBYSTAFF

Here you’ll find the pen used by former President Donald Trump to create the new service, as well as space-related uniforms, vehicles and rockets, history explanations, missions and more.

Starting Saturday, visitors can also explore the 5,000 square foot “Above and Beyond” exhibit, which features an interactive demonstration of the forces and physics involved in flight.

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Here, museum visitors can experience flight simulation, immersive theater, touch screens, and augmented reality exhibits.

“Rising off the ground, you know there are certain forces that we have to interact with – lift, weight, thrust, drag,” said Mike Brimmer, head of the museum’s education division. “With every flying object, including birds and drones or satellites, rockets, airplanes, all have to deal with the same forces of flight. And this exhibition illustrates that.

Chicago’s Anne Spencer photographs the pen that former President Donald Trump used to sign into the new branch of the United States Armed Forces, the US Space Force, on display at the National Museum. MARSHALL GORBYSTAFF

Chicago's Anne Spencer photographs the pen that former President Donald Trump used to sign into the new branch of the United States Armed Forces, the US Space Force, on display at the National Museum.  MARSHALL GORBYSTAFF

Chicago’s Anne Spencer photographs the pen that former President Donald Trump used to sign into the new branch of the United States Armed Forces, the US Space Force, on display at the National Museum. MARSHALL GORBYSTAFF

Want to design a virtual plane? Here you can do it.

The exhibition runs until December 15.

Museum hours are 9 a.m. to 5 p.m. and admission is free. Be aware if you visit on Saturday that nearly 8,000 runners will be on or near the museum grounds for the four-race Air Force Marathon.

ExploreAir Force Marathon returns in person with 8,000 runners in four races this weekend

The museum — which itself is set to celebrate its centennial next spring — features more than 350 aerospace vehicles and missiles and thousands of artifacts amid more than 19 acres of indoor exhibit space.

The entrance to the museum is at gate 28B of Springfield Street in Riverside.

Doug Lantry, museum historian, for the National Museum of the U.S. Air Force, speaks Friday, Sept. 16, 2022, about the exhibits featured for the Air Force’s 75th anniversary. MARSHALL GORBYSTAFF

Doug Lantry, museum historian, for the National Museum of the U.S. Air Force, speaks Friday, Sept. 16, 2022, about the exhibits featured for the Air Force's 75th anniversary.  MARSHALL GORBYSTAFF

Doug Lantry, museum historian, for the National Museum of the U.S. Air Force, speaks Friday, Sept. 16, 2022, about the exhibits featured for the Air Force’s 75th anniversary. MARSHALL GORBYSTAFF

A flight design station at the “Above and Beyond” exhibit at the National Museum of the US Air Force. THOMAS GNAU/ WRITER

A flight design station at

A flight design station at the “Above and Beyond” exhibit at the National Museum of the US Air Force. THOMAS GNAU/ WRITER


Sunday is the 75th anniversary of the Air Force, which got its start here in the Dayton area and continues today at Wright-Patterson Air Force Base with many important missions including research, national security, procurement and development.

Sunday: The Dayton Daily News examines how Wright-Patterson plays a pivotal role in Air Force history.

Monday: The history of the Air Force is not only a story of battles won, technologies invented and military bases developed. It’s a story of people. The diary profiles six local residents who served in the Air Force.

Tuesday: Discover our special edition e-paper on the history of Wright-Patterson and its impact on the Air Force.

Wednesday: Join our online community conversation with a panel of military, community and business leaders to discuss how Wright-Patterson Air Force Base has shaped our region’s past – and will shape its future.

Sign up for the latest military and Wright-Patterson news in our daily Wright-Patt Today email at DaytonDailyNews.com/newsletters

How to Get a Personal Loan for Students in India

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Sep 16, 2022





Hear how to get a personal loan for students in India




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With the constant increase in inflation, education has become expensive in India as well as abroad. Quality education may not be affordable for everyone. Thus, many students opt for an education loan to finance their higher education. However, there can be many reasons why you might not qualify for a student loan or have to pay a certain amount yourself, which you cannot afford. In such cases, instead of borrowing money from friends or relatives, students can opt for a personal loan.

Before deciding to use a personal loan to finance your education, it is essential to understand the nuances of a personal loan and how it differs from an education loan.

An education loan is granted for a specific purpose and can only be used to take a course that you mentioned when applying for the loan. It can cover all study-related expenses incurred during the duration of the course. For example, it usually includes admission fees, tuition fees, library fees, the cost of a laptop, books, travel tickets (if you are studying abroad), etc. You usually have to pay a certain percentage of the total cost of a course yourself.

Since an education loan is specifically for students, the eligibility criteria differ from a personal loan. A student can apply for an education loan with a parent, guardian, or guarantor, and the loan is approved based on their income. A student is considered the primary applicant and the parent is considered a co-applicant. A student must repay the loan after completing the course. Typically, banks/financial institutions allow students six months after completing the course to begin paying IMEs. This exempt period for paying EMIs is called the moratorium period. A student or parent/guardian must pay simple interest charged by banks/financial institutions during the study/course period. And, after the relaxation period of 6 to 12 months, a student is required to repay the loan.

Whereas a personal loan is an unsecured loan which does not require any collateral and can be availed with minimal documentation. Unlike an education loan, a personal loan can be used for a variety of purposes as it comes with no end use restrictions. It is an easy way to obtain funds to take care of various personal and financial needs, and can be repaid according to the terms and conditions of the lender. A personal loan can cover all of your study costs without any compulsory contribution on your part if you are eligible for this amount.

A personal loan is usually offered to people aged 21 and above with a minimum monthly income of at least Rs 15,000 to Rs 25,000. Since it is an unsecured loan, your credit history and your Credit score play a major role in loan approval process. Therefore, a personal loan could be ideal for professionals who want to pursue higher education for better opportunities. However, students with no work experience and no income can apply for a personal education loan because their parent or guardian is the primary applicant. It is advisable to check the personal loan eligibility criteria beforehand, as in India many lenders do not offer personal loans to students.

What are the steps to follow when using a personal student loan?

1. Calculate the exact need:

While availing a personal loan for education, it is essential to know your needs first. You need to know the exact amount you need for tuition fees and other education-related expenses because, unlike an education loan, a personal loan is a one-time loan. This will help you borrow enough funds for all your education-related expenses and avoid excessive borrowing, which will save you from spending interest.

2. Check your eligibility:

There could be a difference between the personal loan amount you are asked for and the amount you are entitled to. Therefore, once you know your needs, you need to check your eligibility for the loan. Lenders use several parameters to calculate your loan eligibility, such as credit score, credit history, age, employment status, monthly income, existing loans, etc. Your credit rating plays an important role in calculating your repayment capacity. Since personal loans are unsecured loans, lenders would be inclined to offer you the loan only when you have a good to excellent credit score. Many websites allow you to check your eligible loan amount through online calculators. Once you have provided your financial information, the approximate loan amount you are eligible for will be displayed. If you are not working or do not have sufficient income, you must check the eligibility of your parent or guardian, who is the main borrower.

3. Find the right lender:

When it comes to availing a personal loan, there are a plethora of options as almost all banks and NBFCs offer personal loans. However, to get the maximum benefits, make sure to compare different lenders on different parameters such as interest rate, processing fees, late payment fees, pre-closing fees, convenience of payment. apply and repay the loan, customer reviews, etc., and choose the right lender.

How to Get a Personal Loan for Students in India

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4. Calculate your EMI:

Depending on the loan amount, the loan term and the lender’s interest rate, you can calculate your monthly payment online. Unlike student loans, the EMI personal loan starts immediately. Therefore, make sure that you or your parent/guardian can comfortably repay the loan amount you opt for, and the monthly installments will not create financial stress.

5. Approach the lender:

Once you have finalized the loan amount and the lender, it is time to apply for the personal loan. You can apply online from the comfort of your own home or visit the nearest lender branch. Before applying, it is advisable to get all the minor details of the personal loan, including the terms and conditions, and to ensure that there are no hidden fees and charges. Also make sure you have all the necessary information and documents.

What are the factors to consider when using a personal student loan?

A personal loan has its pros and cons; Here are the factors to consider before availing a personal student loan:

1. Interest rate:

The interest rate is the main deciding factor because personal loans have the highest interest rate, and it usually ranges from 12% to 28% per annum. student loans have interest rates between 6% and 13% per annum When your personal loan repayment term is longer up to 4-5 years, you end up paying much more than the principal amount. Preferably, if your credit history is strong and your credit score is high, you can use this as leverage to negotiate a better interest rate with your bank.

2. Warranty:

The biggest advantage of a personal loan is that it does not require any collateral, which means that you do not have to pledge assets as you would with other secured loans, such as loan against property. . Since personal loans are unsecured, not having collateral ultimately increases the interest rate.

3. Processing fees:

Banks or financial institutions charge a certain amount to process your loan application. This processing fee can range from 1% to 3% of the loan amount, which is similar to the processing fee charged on an education loan. If you are a long-time customer of the bank and have a good CIBIL score, you can always negotiate the processing fee.

4. Prepayment charges:

It is prudent to partially repay or foreclose on your loans to save interest payments on future EMIs when you start work or obtain sufficient funds. Remember that most banks and financial institutions charge a prepayment fee if you want to partially repay or foreclose on your personal loan. Fees vary from company to company and generally range between 2% and 5%, which makes a big difference, especially when the dues are high.

How to apply for a personal loan online?

Applying for a personal loan online is the most convenient and fastest way. Follow these steps to apply for a personal loan online:

  • Once you have finalized the lender, visit the lender’s official website (some lenders also offer the service through their mobile apps)

  • Go to the loan sections and choose Personal Loan

  • Click ‘Apply Now’

  • Enter your personal data and submit the form

  • The lender will assess your details and you will receive a call or text accordingly

  • You will need to upload the necessary documents requested by the lender or request a document pickup

  • Once approved, the lender will immediately disburse the loan amount to your registered bank account

  • The process will be even faster and easier if you are an existing customer of the lender, as you can also apply from internet banking.

How to apply for a personal loan offline?

  • Visit the nearest branch of the bank / NBFC

  • The bank/NBFC representative will guide you through the process

  • You will need to submit a duly completed and signed personal loan application form along with the necessary documents upon request from the lender

  • Once the loan is approved, the funds will be credited to your registered bank account

Should I opt for a personal student loan?

To finance your studies, a student loan is the best choice because it does not require you to have a stable income and can be used at an attractive interest rate. On the other hand, a personal loan is an expensive option for financing your education because repayment begins immediately and may take longer. Also, if you’re not earning money, your parent or guardian must be the primary applicant, and eligibility will be based on their credit score and income. However, if you do not qualify for a student loan for some reason or if you need funds to pay the mandatory student loan contribution, you may want to consider a personal loan. Before availing yourself of a personal loan, make sure you read the terms and conditions and the loan agreement carefully to avoid any unpleasant surprises in the future.

Best wishes,
Ketki Jadhav

Content Writer

National Museum of Australia unveils exciting new gallery redevelopments

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Launch of a world-class environmental gallery and an educational play area for children

Exclusive announcement of the ICEHOUSE concert

The National Museum of Australia in Canberra has launched two new state-of-the-art galleries as part of its biggest redevelopment since opening to the public in 2001.

In a $34 million renovation that reimagines more than a third of the building, the museum launched the groundbreaking Great Southern Land Environmental Gallery and the innovative Tim and Gina Fairfax Children’s Discovery Center.

The Great Southern Land Gallery was designed by the renowned New York-based Local Projects, best known for its acclaimed work on the National September 11 Memorial and Museum in New York.

The Tim and Gina Fairfax Discovery Center is a fun and immersive play space designed and curated for children ages 0-6, their families and caregivers.

Federal Arts Minister Hon Tony Burke MP welcomed the redevelopment. “I am delighted to see these galleries open today, which showcase our unique environment and natural history,” said Minister Burke.

“I am particularly excited about the role they will play in showcasing the connection First Nations people have to the country.

“I am confident that audiences of all ages will leave feeling educated and inspired by the diverse cultural experiences on offer.”

National Museum director Dr Mathew Trinca said the two new galleries represent a major new offering for the Australian public.

“This is a pivotal moment in the history of the National Museum, and I am thrilled to see the years of hard work and planning come to fruition in the incredible Great Southern Land Environmental Gallery and the remarkable Tim and Gina Fairfax Discovery Center. “, said Dr. Trinca said.

“The National Museum celebrates over 20 years of engagement with the Australian public and these new developments will see it grow stronger in the decades to come.

“I would like to take this opportunity to thank Tim and Gina Fairfax, and all the experts who have supported and worked on both galleries for many years, for their generous advice and expertise.”

The Great Southern Land Gallery explores our fundamental relationship with the land, incorporating the stories of the First Peoples who have lived on the continent for at least 65,000 years and the stories of all who have followed.

Fiona Jose, a member of the National Council of Museums and chair of the Indigenous Reference Group, said the new gallery celebrates stories from Australia’s deep history and the First Peoples.

‘Stories of how First Nations people have belonged to and cared for the country over countless generations are woven into the gallery. This new gallery shows how Aboriginal and Torres Strait Islander knowledge of this ancient continent is a legacy on which all Australians can draw and the key to fulfilling our shared responsibility to care for and nurture the land,” said Ms. Joseph.

The Great Southern Land Gallery explores the vast and complex Australian continent, its ancient origins, geological features, unique species, natural forces and the role humans play in the ecosystem. It offers exciting interactive and immersive digital experiences related to Australia’s unique environment and natural history.

The gallery features over 2,000 objects and rich multi-sensory experiences show how the continent has changed over time and how these changes can guide the nation through future challenges.

The Discovery Center invites children to explore Australia’s iconic animals and stories, including kangaroos and bunyips, an early explorer’s cat and social media star Chris the sheep.

Leading Australian philanthropists Mr. Tim Fairfax AC and Mrs. Gina Fairfax AC supported the development of the new space dedicated to children’s play and education and said they were delighted to see the new Discovery Center open to the public.

“This new center has been designed to engage children in Australian stories and the work of the museum. It offers on-site interactive educational games and facilities to reach regional and remote communities,” Mr. and Mrs. Fairfax said.

As part of the launch of the Great Southern Land Gallery, the National Museum will display in its Gandel Atrium a Sequential Circuits Prophet-5 synthesizer, which is the same model of instrument used by Iva Davies of iconic rock band ICEHOUSE to composing the 1982 hit song of the same name, “Great Southern Land”.

“In 1982, when I created the title ‘Great Southern Land’ for a song I was writing, I had no idea what impact it would have on listeners around the world, and especially on listeners Australians,” said Iva Davies.

“To have included the song as part of the incredible project undertaken by the National Museum of Australia to chart the history, diversity and magic of our country is humbling.

“My thanks to the wonderful team, who put together the gallery and exhibition, for all their hard work and for including my song as part of their study of our Great Southern Land.”

When ICEHOUSE started in 1977, synthesizer technology was still relatively new.

“The Prophet 5 is so called because it could play five notes at once, which meant it could play a full musical chord. It could also store the sounds you created on it in ‘memory’ slots. which was incredibly useful, especially for live performances,” Mr. Davies said.

‘The first song that was produced in this exploration was “Great Southern Land” and the sound of Prophet 5 is the backbone of that song. You will immediately recognize the sound of that very first long note as coming from the Prophet.

To coincide with the launch of the gallery, ICEHOUSE has announced a one-time concert, supported by Mix 106.3, as part of its national Great Southern Land 2022 – The Concert Series to be held at the National Museum of Australia on Friday November 4, 2022.

“The ICEHOUSE band members and team are very excited to be able to perform at the National Museum of Australia,” said Davies.

“Having the concert at the Museum during the first few months of the Great Southern Land exhibition gives us all a unique opportunity to celebrate not just 40 years of our song, but the unique history of our home country. be a very special event for all of us.

Tickets for the November 4 concert will go on sale at 9 a.m. on Friday, September 16, 2022.

/Public release. This material from the original organization/authors may be ad hoc in nature, edited for clarity, style and length. The views and opinions expressed are those of the author or authors.View Full here.

A Stone Age amputee rewrites the history books

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Griffith University / Jose Garcia

The loss of a limb made global headlines last week after the newspaper Nature published evidence of a successful medical amputation that took place 31,000 years ago in what is now Borneo. The new discovery isn’t just the oldest known case of limb removal. It is the first documented surgical procedure of any kind in several thousand years. Consequently, it radically rewrites the timeline of the evolution of human medical knowledge and practice.

To put this date in context: 31,000 years ago, the human species had not yet reached North America. Written language had not yet appeared, and would not be for 25,000 years. The first metal tools would not appear for about 20,000 years; this amputation was performed with a chiseled stone blade (probably obsidian). And the prehistoric Asians who performed this procedure lived among the monstrous mammals of the Ice Age, the ancestors of modern rhinos, hippos and tigers. It was a very, very long time ago.

The Nature the article received tons of media coverage, but don’t overlook the five-minute video released earlier this week by Griffith University, university residence of the authors of the article. In addition to presenting the scientific findings in reasonably accessible terms, the video illustrates the rugged terrain this long-lost patient had to navigate after recovering from surgery. It is worth watching.

Almost nothing was known about the prehistoric origins of amputation until this century. But the past two decades have produced an impressive body of evidence across multiple continents regarding the removal of Stone Age limbs. All of these ancient cultures had the expertise not only to surgically amputate limbs, but also to control blood loss and prevent infection well enough for patients to survive. And all of them seem to have developed these abilities independently – they are too distant in time and space to have transmitted this knowledge to each other.

Here’s what the archaeological record shows about paleoamputation.

Europe, c. 4900 BCE

Until last week, the oldest known example of medical amputation occurred near present-day Paris around 6,900 years ago. Documented in the log Nature Previous in 2007, this case involved an amputation above the left elbow which was most likely performed with a flint blade or axe. Like the Borneo researchers, the French archaeologists used osteological evidence to establish that a) the bone was deliberately cut, not traumatically severed or bitten by a predator; and b) significant scarring has occurred indicating that the patient lived for many years after the amputation.

The authors speculate that the French patient had to be pulled from a limb as a lifesaving measure, after an injury left him with a gangrenous arm. “This is not an accidental amputation, but a genuine ‘medical’ choice,” they write. “Since this patient survived, his caregivers must have had a good knowledge of the needs and means of preventing blood flow through tin plating, disinfection and [wound care]. . . . The unexpected attentions and technical skills in surgery given by this Neolithic group to one of its aged and disabled members suggests a considerable level of social, medical and even moral development.

The article refers to two other amputee skeletons from prehistoric Europe, one in Germany and the other in Czechoslovakia. Six years later, Bulgarian archaeologists published evidence of an amputation below the elbow dating back around 6,400 years. This document appeared in the International Journal of Osteoarchaeology.

Egypt, c. 2500 BCE

It has long been known that the ancient Egyptians developed prosthetics; the earliest examples date from around 900 BCE. But only recently have we seen evidence that they practice medical amputation. It was discovered in 2010 by researchers from Al-Azhar University and the Giza National Research Center, and it suggests that surgical removal of limbs predated prosthetics by at least 1,000 years. Published in the Journal of Applied Sciences Research, the study describes two cases of amputation, one below the knee and the other below the elbow. The below-knee amputee was found in a cemetery for high-ranking members of society, while the upper-limb amputee was buried in a workers’ cemetery. “The healing pattern in the two individuals, from two different social classes, suggests that medical care was equally [available] for them,” the authors write.

In the same year, a joint American-Belgian investigation provided similar evidence in four skeletons discovered near Dayr-al-Barshā. However, a later article from 2014 in Acta Orthopaedica expressed skepticism about the Egyptian finds, suggesting that the skeletal evidence for limb removal is inconclusive at best. “There is no direct evidence that therapeutic amputations were part of surgery in ancient Egypt, especially for larger limbs,” this author argued. “Considering the level of Egyptian surgery in general. . . . the procedures described in the medical papyri are very simple in nature. Not a single surgical incision has been found in any of the tens of thousands of mummies studied during the pharaonic era.

India, c. 2000 BCE

Evidence that ancient Indians practiced amputation comes from the Rig Veda, a 3,500-year-old collection of hymns and verses. In a famous episode, warrior queen Viśpálā loses her right leg in battle, gets fitted with an iron prosthesis, and returns to the battlefield with more fury than ever. Unfortunately, there is no scientific evidence to support this story. The earlier documented amputation cases in India date back to around 600 BCE and mostly refer to punitive procedures: criminals and prisoners of war sometimes had their noses, ears or fingers cut off. The famous Indian doctor Sushrata, often called the father of plastic surgerymade a name for himself by reconstructing severed noses.

Peru, c. 200 AD

There is both physical and material evidence that ancient cultures in the Western Hemisphere practiced medical amputation. Hard evidence was first presented in 2000, when archaeologists unearthed three sets of Moche culture remains, each bearing telltale signs of deliberate cutting and subsequent healing of the lower tibia. Soft evidence appears in ceramic figures of the same period, which regularly represent individuals who are missing an arm or a leg.

A more recent paper, published last year, examines two similar Peruvian cases dating to somewhere between 1250 and 1500 AD (when the (Incas) ruled), suggesting a continuity of surgical knowledge and limb care that spanned perhaps 1000 years.

Get ready to connect with personal lenders now

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GLENDALE, CA., September 14, 2022 /PRNewswire/ — MoneyMutual is a financial resource website that helps people find personal lenders. Users just need to visit the website and submit their information to connect with lenders. The process of obtaining loans with a bad credit score is difficult, long and unsatisfying. But with this website, people can access lenders who can provide loans in as little as 24 hours. Not to mention the whole process of allowing a user to submit their information, making it more appealing to those who need it.

The possibility of getting a loan with a bad credit rating is not too low these days. And these personal loans are for people with a credit score of 575 or less. Short credit history also makes personal loans, where the interest rate would be higher than traditional loans. But these loans are mainly used in case of emergency or if consumers need to improve their credit score. Limited loan options do not make the situation helpless and MoneyMutual provides consumers with access to lenders who may be able to help them. These online lenders exist to provide these personal loans. The threshold for being a creditworthy borrower varies from lender to lender, but there are ways to make an informed decision. To get a personal loan that meets your needs, the research must be thorough.

“You could have a decision in minutes and the money you need could be deposited directly into your account in as little as 24 hours,” as their website says to get money deposited directly into your bank account.

There are no fees or hidden charges for using the platform. MoneyMutual is the platform that offers users the opportunity to connect with potential lenders.

“…over two million people have trusted MoneyMutual as a resource they can trust to find a lender who may be able to provide them with the money they need for expenses such as emergency expenses, vacations, unexpected bills, and more.”

With MoneyMutual, the process of finding a personal lender becomes much easier. By following 3 simple steps, people can now get loans for personal use in as little as 24 hours.

Step 1:
Fill out a simple and secure form to allow lenders to have basic information.
2nd step:
Lenders review the information provided to see if they can work with the borrower to secure the loan.
Step 3:
The borrower and the lender must agree on the conditions before the start of the loan. Once an agreement is reached, the borrower would have the required amount transferred to his bank account in as little as 24 hours.

We had to move suddenly following a family incident, need a helping hand to meet the expenses. Was quick and easy. The best part is being able to do it all online. Fairly typical terms for these types of loans from lenders. It has helped us and we will definitely use it in the future. – Pearl L.

About MoneyMutual:

Founded in 2010, MoneyMutual.com is an unlimited resource provider that connects potential borrowers with lenders. They are not lenders, just a way for people in need to connect with those who can help. This online marketplace allows borrowers to find fast, simple and secure personal loans from lenders. The simplicity and timeliness of the entire process of obtaining personal loans is what sets MoneyMutual apart. And it depends only on the conditions of the lender and the borrower. MoneyMutual acts as a bridge between two people in need. And the best part is that filling out the form does not entail any hidden costs. The borrower only has to pay the lender after reaching an offer has been evaluated and agreed. This is a great opportunity for people who are in urgent need of money for different purposes. MoneyMutual allows you to find a lender in a few clicks.

Discover them on their website MoneyMutual.com

Contact details
Riya Tyagi
818-672-6755
[email protected]

SOURCE MoneyMutual

Should you take out a personal loan or a car loan to pay off your car?

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If you’re looking for a new car but don’t have enough money to buy it up front, you’re probably considering taking out a loan to help finance your purchase. Depending on your situation, a car loan or a personal loan could each be an ideal financing option.

Personal loans and auto loans are considered installment loans, which means you will make fixed monthly payments over a period of time. That said, there are several key differences between the two types of loan products that are worth knowing.

Below, Select breaks down everything you need to know about using a personal loan versus an auto loan to buy a car, taking a closer look at how interest rates, eligibility requirements and loan terms vary between the two.

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Personal Loans vs Auto Loans

The most obvious difference between personal loans and auto loans is that personal loans can be used to finance any type of purchase, whether it’s wedding expenses, home repairs or a new car. Personal loans can also be funded by lenders, credit unions and banks. If you want more flexibility when it comes to using the money to finance, a personal loan is a good choice.

Auto loans, on the other hand, can only be used to purchase a vehicle and are usually funded by a bank, credit union, or other lender. You can also go through a car dealership, who will usually partner with other lenders to give you a loan, although this can be a more expensive option. Auto loans also require a down payment, or a percentage of the loan’s value, and a larger down payment on a loan means having less principal to pay back later.

Another major difference between them is that personal loans are unsecured loans whereas car loans are considered as secured loans. In other words, car loans are backed by collateral – in this case, the car – while personal loans are not backed by anything. If you have decided to opt for an auto loan, a lender can seize your car if you are in default. However, if you fail to make the payments on a personal loan, your credit score will suffer and the lender could take legal action, which could eventually lead to them seizing your assets, including your car.

Since personal loans are mostly unsecured, they require you to have a higher credit score to qualify. Generally, you will need to have a good credit score, or a score above 670, to qualify. However, some lenders give personal loans to people with bad credit, although these types of loans carry higher interest rates.

If you have good credit, there are many personal loans available with lower interest rates and no late fees, prepayment penalties or origination fees. Select ranked LightStream Personal Loans, PenFed Personal Loans and Discover personal loans among the best personal lenders.

LightStream Personal Loans

  • Annual Percentage Rate (APR)

    3.99% to 19.99%* when you sign up for autopay

  • Purpose of the loan

    Debt consolidation, renovation, car financing, medical expenses, marriage and more

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

PenFed Personal Loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, home improvement, medical bills, car financing and more

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Discover personal loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, home improvement, wedding or vacation

  • Loan amounts

  • Terms

    36, 48, 60, 72 and 84 months

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Something else to consider: Personal loans typically have repayment terms of one to seven years, while car loans typically have repayment periods of two to seven years. If you take out a loan with a longer repayment term, it may have a lower interest rate, but you might end up paying more interest than you would on a loan with a longer repayment term. short and a higher interest rate. Use a loan calculator to determine the cost of your loan.

Both types of loans sometimes come with an origination fee, which is a percentage of the loan amount that you pay the lender for making the loan. Personal loans tend to have slightly higher origination fees, but many lenders offer personal loans without these, such as the three lenders mentioned above, as well as Marcus by Goldman Sachs Personal Loans.

Generally, it is advisable to use an auto loan to finance the purchase of a car, as these types of loans tend to have lower credit score requirements and offer lower interest rates. . According a recent Federal Reserve reportthe average interest rate for a 24 month personal loan in May 2022 was 8.73% while the average interest rate for a 60 month car loan was 4.85%, so there is definitely a difference.

Nevertheless, it is worth looking at what type of conditions you qualify for for both types of loans. Then consider the one with the lowest fees and interest rate, as well as the one with the best repayment period.

At the end of the line

Choosing between a personal loan and an auto loan to pay for a car really comes down to your financial needs. If you’re looking for a loan with a lower interest rate and don’t have the best credit rating, a car loan is a great choice. If, however, you are looking for a loan that you can use for other purposes than buying a car, a personal loan is a good option since you can use this money for a number of expenses.

Check out Select’s in-depth coverage at personal finance, technology and tools, The well-being and more, and follow us on Facebook, instagram and Twitter to stay up to date.

Editorial note: Any opinions, analyses, criticisms or recommendations expressed in this article are those of Select’s editorial staff only and have not been reviewed, endorsed or otherwise endorsed by any third party.

Why US Open 2022 was one of the history books: NPR

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Serena Williams of the United States returns a shot to Ajla Tomljanovic of Australia during the third round of the US Open tennis championships Friday, Sept. 2, 2022, in New York. Williams’ third-round loss to Ajla Tomljanovic had the biggest viewership of any tennis match in ESPN’s 43-year history.

Charles Krupa/AP


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Charles Krupa/AP


Serena Williams of the United States returns a shot to Ajla Tomljanovic of Australia during the third round of the US Open tennis championships Friday, Sept. 2, 2022, in New York. Williams’ third-round loss to Ajla Tomljanovic had the biggest viewership of any tennis match in ESPN’s 43-year history.

Charles Krupa/AP

The US Open tennis tournament ended on Sunday and history was made, as several competitors debuted as firsts, while 27-year-old veteran Serena Williams punctuated her career by taking part in what believed to be his last game.

Serena Williams could say goodbye to sport

Williams, a 23-time Grand Slam winner, said in August she would likely “step away” from tennis after this year’s US Open, but did not say she would retire. On September 2, she was beaten by Ajla Tomljanovic 7-5, 6-7(4), 6-1 in the third round.

“Obviously, I’m still capable of it. … (But) I’m ready to be a mom, to explore a different version of Serena,” she said. “Technically in the world I’m still super young so I want to have some life while I’m still walking.”

When asked if she would consider returning to the sport, she replied: “I don’t think so, but you never know.”

Carlos Alcaraz is the youngest to be ranked No. 1 in men’s tennis

Carlos Alcaraz of Spain beat Casper Rudd 6-4, 2-6, 7-6(1), 6-3 in the final round of the US Open on Sunday, winning his first Grand Slam title and becoming the youngest man to be ranked world No. 1 at 19.

This year’s US Open is Alcaraz’s eighth major tournament.

Frances Tiafoe is the first American to reach the semifinals in years

Frances Tiafoe of Maryland has become the first American to advance to the US Open semifinals in 16 years.

He beat veteran Rafael Nadal in the fourth round before beating Andrey Rublev 7-6(3), 7-6(0) last Wednesday. Although Tiafoe was eliminated by Alcaraz on Friday.

The last American to reach the US Open semi-finals was Andy Roddick, who was knocked out by Roger Federer in 2006. Roddick is also the last American to win a Grand Slam singles tournament since he won the US Open in 2003.

Ons Jabeur is the first African and Arab woman to reach the final

Ons Jabeur of Tunisia has become the first African and Arab woman to reach the US Open final.

She defeated Caroline Garcia 6-1, 6-3 on September 9, marking her second straight appearance in a Grand Slam title match. She was also a finalist at Wimbledon two months ago.

The role of automation in deciding balls out of bounds

At this year’s US Open, technology showed it was up to the task.

Optical technology made the decisions in US Open matches, as NPR’s Melissa Block reported.

Immediately after impact, a recorded voice shouted the call: “FAULT!” for capricious service; “OUT!” for a ball that lands either long or wide in a rally.

By replacing human linesmen with the optical system called Hawk-Eye Live, “we’re giving players a fairer playing field with a lot more integrity, a lot more accurate ruling,” says Sean Cary, who oversees the arbitration for the United States. Tennis Association (USTA), which manages the US Open.

The Strong National Museum of Play and Rochester Fringe will try to break the world record for the biggest juggling lesson

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The Strong National Museum of Play and the Rochester Fringe Festival have invited the public to join them Saturday, September 24 at noon for a unique experience. Juggling instructors Ted Baumhauer and Jeff Peden will attempt to set the Guinness World Record for the longest juggling lesson. This free event, part of the annual Rochester Fringe Festival Children’s Day, will take place on the top floor of the museum’s parking lot.

Tickets for this show are FREE, but must be reserved for world record figures.

“Rochester has been a juggling hub since at least the 1970s. Jeff and I would like to add to that story with this attempt to break the Guinness World Record,” Baumhauer said. “We also want more people to know about this wonderful activity that engages mind, spirit and body. Setting this juggling record as part of the Rochester Fringe Festival and at Rochester’s home to play is a perfect way to do it!”

Baumhauer and Peden, who perform with family entertainment company Red Tie Variety, have been juggling and performing for decades. To set the record, Baumhauer and Peden will have to simultaneously teach more than 350 people how to juggle using a set of three commemorative juggling balls that attendees can keep as mementos of the event.

“The game is an important part of the Fringe, and Rochester has examples of world-class play at the Strong Museum. We are thrilled to partner with the museum on this world record attempt for the largest juggling lesson on our day. annual children’s event at the Fringe,” says festival producer Erica Fee.

Tickets for this show are FREE, but must be reserved for world record figures. To book, go to rocksterfringe.com or call (585) 957-9837 (additional phone charges apply), or visit the Fringe Box Office at One Fringe Place at the corner of Main and Gibbs streets, which opens this Sunday, September 11.

About The Strong:

The Strong is the only collection-based museum in the world devoted solely to the history and exploration of gaming. It is home to the International Center for Electronic Game History, the National Toy Hall of Fame, the World Video Game Hall of Fame, the Brian Sutton-Smith Library and Archives of Play, the Woodbury School, and the American Journal of Play. and houses the world’s largest and most comprehensive collection of historical documents related to the game.

LEARN MORE ABOUT THE ROCHESTER FRINGE FESTIVAL:

The 12-day Rochester Fringe Festival has become New York State’s largest multidisciplinary performing arts festival and one of the top three Fringe festivals in the United States. More than 500,000 people have attended nearly 4,000 shows and events at the Fringe since its inception in 2012. The non-profit organization’s mission is to provide a platform for artists to share their creativity and develop their skills, while providing unparalleled public access to the arts. It strives to be diverse and inclusive and to stimulate downtown Rochester both culturally and economically. It showcases the work of regional, national and International artists from emerging to superstar.

LEARN MORE ABOUT FRINGE FESTIVALS:

In 1947, eight theater groups showed up – uninvited – to perform at the new Edinburgh International Festival in Scotland. Although not listed in the official program, the groups perform anyway, in places that they find themselves. The following year, a Scottish journalist coined the term “fringe festival” to describe these unorganized shows which began to appear annually. The Edinburgh Fringe is now the biggest arts festival in the world and the third biggest event after the Olympics and the World Cup. Today, there are more than 250 Fringe festivals around the world, including nearly 50 in the United States. The Rochester Fringe Festival was the first in upstate New York.

Using a Personal Loan to Pay Off Credit Card Debt

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Credit card debt can quickly turn into a cycle of endless payments. Fortunately, there are several solutions if you are looking to anticipate your debt and pay it off more quickly.

One way is to apply for a personal loan to effectively transfer your debt from your credit card issuer to a personal lender and hopefully get a lower interest rate and better repayment options. By doing so, you’ll likely pay less interest in the long run and eventually be able to get out of debt. There are also a few other options worth considering if you want to consolidate your debt effectively and affordably.

Below, Select details what you need to know about using a personal loan to pay off credit card debt and how to get started.

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Benefits of using a personal loan to pay off credit card debt

Credit card debt has skyrocketed recently as Americans continue to face record inflation for daily consumer goods such as gasoline and groceries. Unfortunately, such trends can create a slippery slope since credit cards tend to have high interest rates, allowing consumers to get into debt even faster.

If you’ve found yourself in a credit card debt loop, you might want to consider using a personal loan. Here are two reasons why using a personal loan to pay off credit card debt might make sense for your situation.

Personal loans have lower interest rates than credit cards

According to most recent data from the Federal Reserve, the average credit card interest rate in May 2022 was 15.13%. During the same month, personal loan interest rates averaged 8.73% for a 24-month loan.

Let’s say you have $8,000 in credit card debt that you would like to pay off. If you kept your credit card balance, you would end up paying $1,326 in interest. If instead you applied for a personal loan and paid it off over two years, you would end up paying $747 in interest, a difference of $579 in interest.

And keep in mind that these interest rates are just averages. LightStream, Select’s overall best choice for personal loans, offers APRs ranging from just 3.99% to 19.99% when you sign up for autopay, depending on your terms. So your savings can be even greater.

You can reduce the number of monthly payments you have

If you happen to have more than one credit card with a revolving statement balance, opting for a concise monthly payment with a personal loan could be helpful. Rather than concentrating your efforts in several places, you will have all your debts in one place and can devote your energy to paying them off. Also, the more money you invest in the personal loan, the faster you can pay it off and the less interest you will pay.

Disadvantages of using a personal loan to pay off credit card debt

However, using personal loans to pay off credit card debt is not without risk. Here are some cons to consider before applying.

Personal loans could lead to more debt

If you decide to go this route, it’s important to use a personal loan as a means to an end. Even if you use one to pay off your debt, you could quickly end up with credit card debt, as well as a personal loan for your old debt if you’re not careful.

If you take out a personal loan to pay off your credit card debt, be sure to immediately pay off your credit card balance with the money from the loan. Some lenders, like Marcus by Goldman Sachs Personal Loans, will do this automatically for you when you apply for a loan. Then, put a plan in place to pay off your loan and create a budget so you don’t overspend.

A lower interest rate is not guaranteed

Although there is a wide disparity between the average interest rates for credit cards and personal loans, there is no guarantee that you will get a better rate. Find out the exact interest rate you’re paying on your credit card and do your best to find a better interest rate with a personal loan. Factors such as your credit score, loan amount, and loan term can all affect the APR you qualify for.

Visit Select’s Personal Loan Marketplace to see which loans you are prequalified or preapproved for. It’s free, won’t impact your credit score, and lets you compare interest rates from different lenders.

Personal loans have fees

When researching different lenders, consider the fees you may be charged for the personal loan, which may include application fees, origination fees, prepayment penalties, late fees, repayment fees, or a payment protection insurance. If the interest rate difference is small between your credit card and your personal loan, the fees may negate any potential savings.

Best personal loans to pay off credit card debt

If a personal loan sounds like a viable solution for your financial needs, here are a few. Choose from Select’s preferred lenders. Select ranked LightStream as the best personal lender overall due to its low interest rates and flexible terms, but PenFed is also good for those looking for smaller loans and Discover for those looking for quick funding. These loans also have no origination or prepayment fees.

LightStream Personal Loans

  • Annual Percentage Rate (APR)

    3.99% to 19.99%* when you sign up for autopay

  • Purpose of the loan

    Debt consolidation, renovation, car financing, medical expenses, marriage and more

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

PenFed Personal Loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, home improvement, medical bills, car financing and more

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Discover personal loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, home improvement, wedding or vacation

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Select’s personal loan marketplace

Visit Select’s Personal Loan Marketplace to see which loans you are prequalified or preapproved for. It’s free, won’t impact your credit score, and lets you compare interest rates from different lenders.

Another way to consolidate credit card debt

While taking out a personal loan is a solid option for paying off credit card debt, another way to go is to take out a balance transfer credit card that comes with an introductory APR of 0%. With this type of card, for a fixed term, its balance will not bear interest as long as you make the minimum payment each month.

For example, the Wells Fargo Reflect® Card offers 0% initial APR for 18 months from account opening (after, 15.24% – 27.24% variable APR) on eligible purchases and balance transfers. (See rates and fees.) It is also possible to extend this 0% APR for up to three additional months by making the minimum payments on time throughout the introductory and extension periods. Balance transfers made within the first 120 days are also eligible for the introductory rate.

This means you could end up earning up to 21 months of interest-free financing on your current debt as long as you make the minimum payments. If, for example, you have $8,000 in credit card debt to pay off and you can make monthly payments of $400 during the 0% introductory period, you won’t pay a penny in interest.

Keep in mind, however, that there is usually a 3% fee to transfer a credit card balance.

If a personal loan doesn’t meet your needs, consider using a 0% intro APR credit card such as one of the following listed below:

Citi® Diamond Preferred® Card

  • Awards

  • welcome bonus

  • Annual subscription

  • Introduction AVR

    0% for 21 months on balance transfers; 0% for 12 months on purchases

  • Regular APR

  • Balance Transfer Fee

    5% of each balance transfer; At least $5. Balance transfers must be completed within 4 months of account opening.

  • Foreign transaction fees

  • Credit needed

Advantages

  • No annual fee
  • Balances can be transferred within 4 months of account opening
  • One of the longest introductory periods for balance transfers

The inconvenients

  • 3% foreign transaction fee

Hunt Unlimited Freedom®

  • Awards

    Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and restaurant meals, including eligible takeout and delivery services, and 1.5% on all other purchases

  • welcome bonus

    Earn an extra 1.5% on everything you buy (up to $20,000 spent in the first year) – worth up to $300 in cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on restaurants and drugstores, and 3% on all other purchases.

  • Annual subscription

  • Introduction AVR

    0% for the first 15 months from account opening on purchases and balance transfers

  • Regular APR

  • Balance Transfer Fee

    Introductory fee of $5 or 3% of each transfer amount, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of each transfer amount, whichever is greater.

  • Foreign transaction fees

  • Credit needed

Wells Fargo Active Cash® Card

On the Wells Fargo secure site

  • Awards

    Unlimited cash rewards of 2% on purchases

  • welcome bonus

    Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months

  • Annual subscription

  • Introduction AVR

    0% intro APR for 15 months from account opening on eligible purchases and balance transfers; balance transfers made within 120 days qualify for the introductory rate

  • Regular APR

    Variable APR of 17.24%, 22.24% or 27.24% on purchases and balance transfers

  • Balance Transfer Fee

    3% introductory fee ($5 minimum) for 120 days from account opening, then up to 5% ($5 minimum)

  • Foreign transaction fees

  • Credit needed

At the end of the line

Editorial note: Any opinions, analyses, criticisms or recommendations expressed in this article are those of Select’s editorial staff only and have not been reviewed, endorsed or otherwise endorsed by any third party.

The Studebaker National Museum acquires the 1938 Studebaker State Commander convertible sedan

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South curve, IN – The Studebaker National Museum this week acquired a 1938 Studebaker State Commander convertible sedan. This car is one of only 224 produced for the 1938 model year and is one of fewer than half a dozen known to survive . Studebaker’s 1938 models featured all-new bodies, with styling by Raymond Loewy Associates. Convertible Sedan models saw very limited production and were the most expensive models in the Studebaker line that year. The body was supplied by Central Manufacturing Company of Connersville, Indiana, which had previously produced bodies for its parent company, Auburn Automobile Company. The Museum’s convertible sedan is finished in tulip cream and trimmed with green leather upholstery.

Studebaker-1
Studebaker Museum logo

The Studebaker National Museum is located at 201 Chapin Street, just west of downtown South Bend. It is open Monday to Saturday from 10 a.m. to 5 p.m. and on Sunday. Noon–5 p.m. Admission is $11 for adults, $9.50 for seniors over 60, and $7 for youth ages 6-18. For more information, please call the Museum at (574) 235-9714 or toll-free at (888) 391-5600 or visit our website at www.studebakermuseum.org. For an additional fee, visitors can visit the History Museum, which adjoins the Studebaker National Museum.

vintage car separator

* As an Amazon Associate, Old cars earns qualifying purchases.

QUEEN Elizabeth II should be known in history books as Elizabeth the Great, royal commentator Michael Cole has said.

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QUEEN Elizabeth II should be known in history books as Elizabeth the Great, royal commentator Michael Cole has said.

He told GB News: ‘The Queen was by no means grandiose, the work was grand, but she had an absolute natural modesty…

“There are very good reasons for history to know her as Elizabeth the Great because it is an unprecedented reign.

“She’s barely taken a wrong foot in 70 years, met 13 US presidents, had 15 prime ministers, met the last one doing his duty as always, just two days ago.

“And the proof is that they are at the Palace. These people were not taken by bus. They weren’t ordered. They weren’t told to hold a flag and wave it.

“It’s not North Korea. It’s not Russia. It’s not orchestrated. It’s people who show one thing, a very big word, affection, yes. And that you can’t buy.

Mr Cole, speaking in an interview with Alastair Stewart on GB News, added: ‘The Queen, who believed very strongly in the value of the Union, somehow strengthened it by dying at Balmoral.

“I think it’s amazing and it underlines the nature of this country, because I don’t know if people realize the Queen is the supreme head of the Church of England, when she crosses the border into Scotland, she becomes a Presbyterian by magic and she is a member of the Church of Scotland.

“His body will go to Holyrood House, his official residence in Edinburgh, then it will travel up the Royal Mile and be put on display at St Giles Cathedral.”

He said: ‘She had views which she did not express publicly, although Mr Cameron let slip how she felt about the Scottish referendum.

“She believed in it and, I don’t know what you think, but I believe that Tommy and Jock shared too many holes in foreign wars for our great union of 1707 to fall apart.

“It’s a great country and it should stick together, and she believed in that.”

Mr Cole added: ‘I have always thought Her Majesty the Queen was happiest when she was the squire at Sandringham or she was the laird at Balmoral, when she was in jodhpurs doing around one of his horses or to go down to the royal stud.

“She was an English country woman at heart.”

He added: “You’ve featured some of the key speeches she gave during her reign, but I think there’s one that still sticks in my memory because she was very apolitical, but she made a very, very good talk…

“In the 1970s during the Silver Jubilee, the speech to both Houses of Parliament in Westminster Hall, she told them at the time, there was terrible violence in Northern Ireland and people suggested that Northern Ireland should somehow be launched as a separate little statement.

“And she said, I have to remember that I was crowned Queen of the United Kingdom. And that’s been a huge benefit for the people who live here.

“Another event I remembered last night as I was reflecting on the reign of Queen Elizabeth II, I was covering a story in Canada. When Quebecers once again tried to get their separation voted through, they ultimately lost the referendum , It was a long time ago.

“But His Majesty on the steps of the Canadian Parliament delivered that same speech about Canada together is stronger and better than Canada apart.”

HDFC Bank will offer a 10-second personal loan service at the end of this year

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By the end of the year, HDFC Bank will offer everyone a personal loan service in 10 seconds.

Private lender HDFC Bank is expanding its offerings to freelancers who were previously not considered creditworthy in addition to providing loans to anyone in just 10 seconds. From now on, the private lender wishes to increase the exposure to the credit of the independent customers, who represent barely 5% of the market.

The 10 second loan service is something that HDFC Bank, the largest private lender in India, wants to make it available to everyone, even people who don’t have a bank account. The bank has been able to provide 10 second loans to existing customers for the past six years and has been a pioneer in this field.

By the end of the year, we intend to launch the product in the wider open personal loan market after providing quality service to our current customers.

HDFC bank is increasing its offers to freelancers who were previously not considered creditworthy in addition to providing loans to everyone in just 10 seconds. From now on, the private lender wishes to increase the exposure to the credit of the independent customers, who represent barely 5% of the market.

The private lender has 12 million pre-approved loan customers across all of its products and has established an infrastructure base in 650 districts in India to disburse unsecured loans.

At Rs 1.48 lakh crore, personal loans made up the largest portion of retail loans, while 10-second loans made up the largest portion at the end of June 2022.

Additionally, Kapil intends to expand its customer base of independent contractors. Across several categories, he oversees retail assets totaling over Rs. 5.6 billion. It is important to note that, according to HDFC Bank management, only 5% of the self-employed market has access to loans.

About 12 million pre-approved HDFC Bank loans, according to Macquarie research, will be used for mortgage cross-selling. Mortgages are being completed in 440 districts, and this number will increase.

Meanwhile, Kozhikode, the first all-female branch of HDFC Bank in Kerala, opened its doors last month. There will be 4 female bankers working at the branch, which is located on Cherootty Road, the commercial center of the district.

HDFC Bank 10 Seconds Personal Services Features

  • It provides a personal charge in 10 seconds using the Personal Loan Eligibility Calculator to quickly determine their eligibility online or at select branches.
  • HDFC Bank customers also offer benefits to their customers with pre-approval, they can receive funds in just 10 seconds.
  • They have simplified the personal loan application process, allowing other customers to receive a loan within 4 business days, subject to documentation and verification requirements set by the bank. Customers can apply for a personal loan online in a few simple steps.
  • In addition, 10 second personal loan will also help customer who is insured as they can cover personal accident and purchase personal accident cover up to $85,000 and critical illness cover up to $15,000 for a small premium. When disbursing the loan, the premium for these plans will be subtracted from the loan amount. Additional charges will be applied for taxes, surcharges and fees.
  • Along with this they also provide personal loan security by using Sarv Suraksha Pro to protect their personal loan. The main benefits consist of Credit Shield coverage which covers the amount of outstanding debt. Coverage for accidental death or permanent disability up to $1 million. Accidental hospitalization cover up to $8 lakh.

Benefits of personal loan in 10 seconds HDFC Bank

hdfc bank personal loan in 10 seconds

When a client needs money but doesn’t want to deal with the headache of borrowing from friends or family, a personal loan can be a real blessing. A customer can quickly and easily obtain a personal loan, whether they need it for short-term cash or short-term medical expenses, a wedding or a trip abroad, home renovations or overseas study costs. A personal loan is convenient because it can be repaid over time in manageable installments and is quick to disburse with little to no paperwork.

Simple loan processing: A customer can apply for a personal loan online, using NetBanking, at an ATM, or by visiting your local branch in person. Little documentation is required and the application process is quick.

Instant payout: If a client is a member of HDFC Bank, a client can acquire a personal loan in 10 seconds*. For others, it only takes four hours*.

The client is free to use the loan for any purpose: One of the main advantages of personal loans is the flexibility with which they can spend the money, whether it is for a wedding, vacation, gadget, business investment, home improvement, etc. They have to resort to a car loan or a home loan for the specified purpose.

No need to pledge assets as collateral for the loan: Personal loans are unsecured loans, so a client can receive one without pledging assets like your home or stocks as collateral.

Simplified documents: Compared to most other loans, a personal loan requires significantly less paperwork and processing time. A client can obtain a loan by providing identification, proof of address and proof of income. The application process is quick and little paperwork is required.

Easy installments or EMI: These are two convenient ways to repay personal loans. The terms of payment are often flexible and a customer can choose a duration allowing him to optimize his monthly expenditure according to the circumstances. HDFC Bank offers EMIs with tenors of 12 to 60 months, starting at Rs 2,162 per lac. For a personal loan, they can consult the EMI calculator.

Sharjah’s cricket ground has carved out a place in the history books

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Sharjah Cricket Ground is located in Sharjah in the United Arab Emirates. It was established in 1982. This stadium has hosted many international events such as t20 world cup, Asian world cup, IPL etc. Sharjah ties the record for hosting the most international matches with Sydney Cricket Ground.

Sharjah Cricket Ground has written its name in the history books.

Let’s review the history of Sharjah Cricket Ground and the type of matches it has hosted internationally. In 2010, the Afghanistan Cricket Board made Sharjah Cricket Ground its home ground for one-day internationals and premier class cricket. Some Pakistani Super League matches are hosted here. Teams like Multan Sultans and Quetta Gladiators have made this ground their home. The cricket stadium also hosted the inaugural edition of the T10 cricket league, which is a 90-minute cricket league from 14 to 17 December 2017 featuring several international cricketers. It also hosted the 2018 Blind Cricket World Cup Finals. It also hosted the 2004 ICC Intercontinental Cup. Sharjah has hosted the Indian Premier League 3 times, 2014 (during the general election), 2020 and 2021 (due to Covid 19).

Sharjah Cricket Ground has acted as a neutral venue on a few occasions.

The cricket ground has been chosen as a neutral venue by some nations like Afghanistan and Pakistan at times. Before the construction of the stadiums, Afghanistan used this ground as its home ground. Later in 2016, Afghanistan moved their home ground to Noida Cricket Complex, New Delhi. Due to security and national issues, Pakistan made this ground as their home ground and international matches were played by Pakistan here.

The Sharjah record

Sharjah Cricket Ground equals Sydney cricket ground , Australia by hosting the maximum number of international matches. The test of January 31, 2002, Pakistan vs West Indies. First in 1984, Pakistan vs Sri Lanka. First t20i 2013, Afghanistan vs Scotland. Between 1984 and 2003, the Sharjah ground hosted 206 one-day internationals. In 2011, the Guinness Book of World Records recorded the stadium in Sharjah as hosting the most single-day matches. This has increased the cricket craze in the UAE. It also financed a lot and helped the country to develop economically. Once upon a time there was a deserted land and was useless. But cricket lover like Abdul Rahman Bukhatir and UAE business minds have changed the fate of these arid lands. Now it generates millions of money and also increases tourism by hosting a large number of international matches.

Some players register in Sharjah

  • On November 24, 2013, Samiullah Shinwari won five wickets against Kenya.
  • On October 25, 2021 Mujeeb Ur Rahman won five wickets against Scotland.
  • On November 6, 2021, Kagiso Rabada scored a hat-trick against England in a super 12 match of the 2021 ICC Men’s T20 World Cup

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TOP 5 reasons for rejection

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What is a personal loan?

| personal loan rejection | It is the loan which is given to the individual to meet any financial requirement. This loan amount can be used to pay for all expenses such as leisure expenses, medical emergencies, weddings, renovations, etc. The procedure of this loan is very simple because it requires fewer documents. With the help of this loan, the individual can also meet his personal needs. The interest rate on this loan is very high compared to other loans because there is a high risk. A personal loan is very advantageous in case of emergency. It is very useful at the time when the individual is facing financial difficulties.

What is a personal loan used for?

The personal loan can be used for any purpose, it has no limit. When the individual has no other choice, he can apply for a personal loan. It can be used to purchase electronics, furniture, vacations, wedding ceremonies, etc.

How the personal loan works

A personal loan has similar rules to other loans, but it has a different interest rate. Prepare all the documents, decide which bank you have taken a loan from and then apply. After checking all the documents and also after checking your creditworthiness, the bank will grant you the loan. Then you can use it as you want.

personal loan rejection

How to Avoid Rejection of a Personal Loan

If you want your personal loan to be approved without any rejection, then you need to consider the points mentioned below while applying for the loan.

  • Good CIBIL score Lenders keep many criteria in mind when accepting the loan application. One of the criteria is to access the CIBIL score, without accessing the CIBIL score, the loan will not be approved. The chances of approving a loan are higher when your CIBIL score is also higher.
  • Clear all your bank-related fees – Pay all your credit card bills on time and also pay all outstanding bills. This will help you maintain a good image and build confidence.
  • Source of income– Mention all your sources of income when applying for the loan. By seeing other sources of income, the lender will build confidence that you can repay the loan easily and they will approve your loan quickly.
  • Fulfill the loan eligibility criteria-There are other eligibility criteria that the individual must meet. Lenders quickly approve the loan whose criteria match.
  • Keep all documents ready – As you have decided to take out a loan, keeping all your documents ready should be your priority.
  • Apply for a loan from a single lender– When there is an urgent need for financing, the individual applies for a loan from many banks thinking that this will increase his chances of obtaining the loan. But it can also leave a negative impact, after knowing that you have applied for a loan from different banks, it will show your desperate need for finance. Lenders will take note of your financial situation, it is possible that they will reject your loan application. It will also affect your credit score and waste your valuable time.
  • Only ask for the amount you can easily repay– The individual should only request the amount that he knows he can repay to the lender. He can decide after having assessed his credit repayment capacity.
  • Do not apply in haste- We know that a personal loan is an urgent need. But don’t apply in a rush, plan every aspect and do plenty of research before applying.

The 5 main reasons for rejection of a personal loan

There are many reasons for personal loan denial. The individual must be extra careful when applying for a personal loan. Each loan has its own terms and conditions that the borrower must meet. Here we share the top 5 reasons for loan rejection.

  • Low credit score
  • Unpaid debts
  • Unstable source of income
  • Not enough source of income
  • Not fulfilling the eligibility criteria
Things to remember
How to apply for a personal loan?
  • Visit the bank website or company you want to approach for a loan.
  • After reaching the homepage, click on the personal loan option.
  • Fill in your name and phone number, receive OTP and verify yourself.
  • Fill in all the requested information like age, salary, pan card details etc.
  • You will receive offers, set the loan amount and term.
  • Set your monthly installments for loan repayment.
  • Confirm all terms and conditions.
  • Soon you will receive the amount in your bank account.

Conclusion

A personal loan is a facility that offers you the best solution to manage all your personal expenses. Many companies and banks provide personal loans with less documentation. It is not a long and complex process as it saves borrowers and lenders time.

The Doraemon exhibition is coming to the National Museum of S’pore in November, tickets available from September 3

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Doraemon Exhibit Comes to National Museum of Singapore for 3 Months

Going by the recent Attack on Titan (AOT) exhibition in Singapore, it’s clear that people here love seeing their favorite anime come to life. While the dark elements of AOT aren’t for everyone, a more family-friendly exhibit featuring a beloved animated series is coming to our shores soon.

Of November 5, 2022Doraemon and his friends will be here as part of a 3 month exhibition at the National Museum.

Photo courtesy of Doraemon Singapore Exhibition 2022

Tickets for the exhibition, which will be the first ever outside of Japan, are now available for purchase. Before picking up your passes, here’s a look at what you can expect at the event.

The Doraemon exhibition will feature the works of 28 Japanese artists

According to a press release on Saturday, September 3, the “Doraemon Exhibition Singapore 2022” will feature works by 28 contemporary Japanese artists.

The artwork will place the titular character and his friends in our changing world while showcasing the impact they have had on modern history.

While it’s still unclear which artworks will make their way, Doraemon’s past exhibits in Japan might hint at what’s to come.

This large mosaic painting by Takashi Murakami, for example, is so lively with floral motifs that it will start our visit on a high note.

Source: Spoon & Tamago

Seeing characters grow up too would surely evoke nostalgia for longtime fans who would do a double take if they saw this portrait of Satomi Kondo, from Shizuka-Chan as an adult.

Source: Spoon & Tamago

Worshiping anything can be a spiritual affair for some, which is why Miran Fukuda’s acrylic artwork, ‘Hermits on the waves‘, incorporating Taoist elements, would be a sight to behold.

Source: Yatta Tachi

Of course, nothing beats the idea that your favorite anime might exist in real life. Mika Ninagawa’s photographic installation allows visitors to imagine that the photos document the adventures Doraemon apparently takes with a human companion.

Source: Spoon & Tamago

To get an idea of ​​what you can expect at the exhibition, check out the articles from Spoon & Tamago, Dennis A. Amithand Yatta Tachi.

However, note that no information is yet available regarding the exact works that will be exhibited in Singapore.

First exhibition outside Japan

Since its inaugural showcase in 2002, the Doraemon exhibit has made its way to several Japanese cities, including Tokyo and Okayama.

The upcoming exhibit will be the first outside of Japan, giving fans in Singapore exclusive access.

Although the exhibition runs from November 5, 2022 at February 5, 2023tickets are available for purchase today (September 3).

You can get your tickets through Klook website here. The prices are as follows:

  • Adult – S$30
  • Children (ages 6-18) – S$25

According to Klook, the first 1,000 buyers will receive exclusive souvenirs at “Doraemon Exhibition Singapore 2022”.

Other Doraemon merchandise, like Singapore-only collectibles, will also be available at the exhibit.

Timeless character of our childhood memories

For many of us, Doraemon has been with us through much of our childhood.

Although decades have passed, there’s no reason not to step back in time with our favorite cartoons.

If you know someone who is a huge Doraemon fan, tag them in the comments so they can pre-book tickets.

Do you have any news you need to share? Contact us by email at [email protected]

Featured image adapted from TheSmartLocal and Twitter.

Personal loan interest rates drop for 5-year fixed rate loans

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Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders, all opinions are our own.

The latest personal loan interest rate trends from Credible Marketplace, updated weekly. (Stock)

Borrowers with a good credit application personal loans in the past seven days pre-qualified for lower rates for 5-year loans and higher rates for 3-year loans compared to the previous seven days.

For borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender between August 25 and August 31:

  • Rates on 3-year fixed rate loans averaged 11.64%, down from 11.49% the previous seven days and from 11.72% a year ago.
  • Rates on 5-year fixed rate loans averaged 15.30%, down from 15.50% the previous seven days and from 16.51% a year ago.

Personal loans have become a popular means of consolidate and pay off credit card debt and other loans. They can also be used to cover unexpected expenses like medical billstake care of a major purchase or finance home improvement projects.

Rates on 5-year fixed rate personal loans have fallen over the past seven days, while rates on 3-year loans have increased. 5-year lending rates fell nearly a quarter of a point and 3-year lending rates rose a mere 0.15%. In addition to today’s rate changes, interest rates for both terms are lower than they were this time last year. Borrowers can enjoy interest savings with a 3 or 5 year personal loan now. Both loan terms offer significantly lower interest rates than higher cost borrowing options like credit cards.

Whether a personal loan is right for you often depends on several factors, including the rate you may qualify for. Comparing several lenders and their rates could help you get the best possible personal loan for your needs.

It’s always a good idea to comparison store on sites like Credible to understand how much you qualify for and choose the best option for you.

Here are the latest personal loan interest rate trends from the Credible Marketplace, updated monthly.

Personal Loan Weekly Rate Trends

September 1st-personal-loan-tendencies.jpg

The table above shows the average prequalified rates for borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender.

For the month of July 2022:

  • 3-year personal loan rates averaged 11.04%, down from 11.1% in June.
  • 5-year personal loan rates averaged 13.72%, down from 13.13% in June.

Personal loan rates vary widely depending on credit rating and length of loan. If you’re curious about what kind of personal loan rates you might qualify for, you can use an online tool like Credible to compare the options of different private lenders. Checking your rates will not affect your credit score.

All Credible Marketplace lenders offer fixed rate loans at competitive rates. Since lenders use different methods to assess borrowers, it’s a good idea to ask for personal loan rates from multiple lenders so you can compare your options.

Current personal loan rates by credit score

Graphic-personal-loans-credible.jpg

In July, the average prequalified rate retained by borrowers was:

  • 8.34% for borrowers with credit scores of 780 or higher choosing a 3-year loan
  • 29.09% for borrowers with a credit score below 600 who choose a 5-year loan

Depending on factors such as your credit score, the type of personal loan you are looking for, and the repayment term of the loan, the interest rate may differ.

As the chart above shows, a good credit rating can mean a lower interest rate, and rates tend to be higher on loans with fixed interest rates and longer repayment terms.

How to get a lower interest rate

Many factors influence the interest rate a lender can offer you for a personal loan. But there are steps you can take to increase your chances of getting a lower interest rate. Here are some tactics to try.

Increase credit score

Generally, people with higher credit scores qualify for lower interest rates. Steps that can help you improve your credit score over time include:

  • Pay your bills on time. Payment history is the most important factor in your credit score. Pay all your bills on time for the amount owed.
  • Check your credit report. Check your credit file to make sure there are no errors. If you find any errors, dispute them with the credit bureau.
  • Reduce your credit utilization rate. Paying off credit card debt can improve this important credit score factor.
  • Avoid opening new credit accounts. Apply for and open only the credit accounts you really need. Too many serious inquiries on your credit report in a short time could lower your credit score.

Choose a shorter loan term

Personal loan repayment terms can vary from one to several years. Typically, shorter terms come with lower interest rates because the lender’s money is at risk for a shorter period.

If your financial situation allows it, applying for a shorter term could help you get a lower interest rate. Keep in mind that the shorter term doesn’t just benefit the lender – by choosing a shorter repayment term, you’ll pay less interest over the life of the loan.

Get a co-signer

You may be familiar with the concept of a co-signer if you have student loans. If your credit isn’t good enough to qualify for the best personal loan interest rates, find a co-signer with good credit could help you get a lower interest rate.

Remember that if you are unable to repay the loan, your co-signer will have to repay it. And co-signing a loan could also affect their credit score.

Compare rates from different lenders

Before applying for a personal loan, it’s a good idea to shop around and compare offers from several different lenders to get the lowest rates. Online lenders generally offer the most competitive rates and can be quicker to disburse your loan than a physical establishment.

But don’t worry, comparing rates and terms doesn’t have to be a tedious process.

Credible is easy. Simply enter the amount you wish to borrow and you can compare multiple lenders to choose the one that suits you best.

About Credible

Credible is a multi-lender marketplace that allows consumers to discover the financial products best suited to their particular situation. Credible’s integrations with major lenders and credit bureaus allow consumers to quickly compare accurate and personalized loan options without putting their personal information at risk or affecting their credit score. The Credible Marketplace delivers an unparalleled customer experience, as evidenced by over 4,500 positive Trustpilot reviews and a TrustScore of 4.7/5.

Fly to the history books

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The National Football League was not called the NFL when Muncie, Indiana had a professional football team.

In 1920, what would become the NFL was the tiny upstart American Professional Football Association (AFPA), entering its first season. The Pro Football Hall of Fame said the league, led by American sports hero Jim Thorpe, was concentrated in Indiana, Ohio, Illinois and New York. Only two teams that joined the NFL in its inaugural season would see its centennial celebrations in 2019; the Chicago Cardinals, who moved their nest to Arizona, and the Decatur Staleys, ancestors of the Chicago Bears, the NFL website said.

The newborn league had teams in major cities, such as Buffalo, Cleveland, and Detroit. The AFPA also joined teams from small towns in the Midwest, such as Rock Island, Illinois with a population of about 35,000 and Hammond, Indiana with a population of about 36,000, according to the 1920 U.S. Census.

One of many early NFL small-town teams came from the town that would become known as “Middletown”. In 1920, Muncie, Indiana, with a modest population of 36,000, became the home of a future NFL charter franchise.

The history of Muncie’s professional football team began in 1905, when the Cognerville Athletic Club was conceived south of Muncie. Cognerville was a neighborhood that existed west of Madison Street and south of Memorial Drive, said Chris Flook, Ball State’s senior media speaker and newsletter editor for the Delaware County Historical Society, via his blog. The area soon had two football teams, the aforementioned Athletic Club and the Flyers.

“People are too caught up in the fact that they were the founding fathers of the NFL versus the idea that there were teams all over town,” Flook said.

He thinks “the best story” is that neighborhoods, churches, etc. had intra-city leagues, with “an active sports culture in Muncie in the 20th century”. For some reason, he said, the Cognerville team ended up being “the best team.”

In 1916, the two Cognerville teams merged and became the unified Cognerville Flyers, a team that would win the Muncie town championship in 1919. The following year, when the APFA formed, Earl Ball, the owner of the Flyers, attended the meeting in Canton. , Ohio that started the league, the Pro Football Hall of Fame said. This meant the Congerville Flyers were one of the top ten teams in the inaugural AFPA season.

After their admission to the league, the Flyers dropped the Cognerville identifier and became the Muncie Flyers.

Professional football did not have the same prestige and status as it does today. From the inception of football in 1869 until the 1950s, professional football was overshadowed by college football. Consequently, the regional league formation flew under the radar.

Amber Pietz, DN Illustration

How would the Flyers fare in their new league? That question would be answered on Oct. 3, 1920, when the Flyers played the second game in APFA history as they faced the Rock Island Independents at Douglas Park in Rock Island, Flook said via his blog.

Muncie’s inaugural game in the new league was the opposite of success.

The Independents pummeled the Flyers 45-0, a result so bad that the Decatur Staleys called off their game against the Flyers the following week, Roy Sye said in an edition of the football magazine “Coffin Corner”, covering the 1920 season of the Flyers. This was the only APFA contest the Flyers would play in 1920, as the rest of the games they would play that year were against local independent teams in Gas City and Muncie, in November and December.

The Flyers will return to play in the APFA in 1921, as the number of teams in the league grew from 14 in their inaugural season to 21 in their next season, Flook said via his blog. Play began for the Flyers on October 2, as they won against an American Legion team from Elwood by a score of 74-0. The Pro Football Archives said their first APFA contest of the year will take place next weekend, when they take on the Evansville Crimson Giants at Bosse Field in Evansville.

The Flyers’ performance that day was better than their mayhem against Rock Island the previous year, but it still wasn’t enough as they lost to Evansville 14-0, the Pro Football Archives said. After a home loss to the Cincinnati Celts the following weekend by a score of 14-0, the Flyers played no more games against APFA teams and withdrew from the league at the end of the season.

After leaving the APFA, the Flyers continued as a traveling independent team until 1925, when the Flyers moved to Jonesboro along the Mississinewa River, according to Flook via his blog. After one season at Jonesboro, the Flyers officially went out of business.

The Flyers’ stay in what would become the National Football League was fleeting; their three championship games played to make them the third shortest team in NFL history.

Contact Grayson Joslin with comments at [email protected] or on Twitter @GraysonMJoslin.


Good News: Personal Loan Interest Rates Plunge for 3-Year Fixed Rate Loans

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The latest personal loan interest rate trends from Credible Marketplace, updated weekly. (iStock)

Borrowers with a good credit application personal loans in the past seven days pre-qualified for lower rates for 3-year loans and higher rates for 5-year loans than the previous seven days.

For borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender between August 22 and August 28:

  • Rates on 3-year fixed-rate loans averaged 11.39%, down from 11.86% the previous seven days and from 11.44% a year ago.
  • Rates on 5-year fixed rate loans averaged 15.48%, up slightly from 15.46% the previous seven days and 13.89% a year ago.

Personal loans have become a popular means of consolidate and pay off credit card debt and other loans. They can also be used to cover unexpected expenses like medical billstake care of a major purchase or finance home improvement projects.

3-year fixed-rate personal loan rates have fallen over the past seven days, while 5-year loan rates have increased slightly. 3-year loan rates fell nearly half a percentage point and 5-year loan rates rose 0.02%. In addition to today’s rate changes, interest rates for 3-year terms are lower than this time last year. Borrowers can enjoy interest savings now with a 3-year personal loan. However, both loan terms offer significantly lower interest rates than higher cost borrowing options like credit cards.

Whether a personal loan is right for you often depends on several factors, including the rate you may qualify for. Comparing several lenders and their rates could help you get the best possible personal loan for your needs.

It’s always a good idea to shop around on sites like Credible to understand how much you qualify for and choose the best option for you.

Here are the latest personal loan interest rate trends from the Credible Marketplace, updated monthly.

Personal Loan Weekly Rate Trends

The table above shows the average prequalified rates for borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender.

For the month of July 2022:

  • 3-year personal loan rates averaged 11.04%, down from 11.1% in June.
  • 5-year personal loan rates averaged 13.72%, down from 13.13% in June.

Personal loan rates vary widely depending on credit rating and length of loan. If you’re curious about what kind of personal loan rates you might qualify for, you can use an online tool like Credible to compare the options of different private lenders. Checking your rates will not affect your credit score.

All Credible Marketplace lenders offer fixed rate loans at competitive rates. Since lenders use different methods to assess borrowers, it’s a good idea to ask for personal loan rates from multiple lenders so you can compare your options.

Current personal loan rates by credit score

In July, the average prequalified rate retained by borrowers was:

  • 8.34% for borrowers with credit scores of 780 or higher choosing a 3-year loan
  • 29.09% for borrowers with a credit score below 600 who choose a 5-year loan

Depending on factors such as your credit score, the type of personal loan you are looking for, and the repayment term of the loan, the interest rate may differ.

As the chart above shows, a good credit rating can mean a lower interest rate, and rates tend to be higher on loans with fixed interest rates and longer repayment terms.

How to get a lower interest rate

Many factors influence the interest rate a lender can offer you for a personal loan. But there are steps you can take to increase your chances of getting a lower interest rate. Here are some tactics to try.

Increase credit score

Generally, people with higher credit scores qualify for lower interest rates. Steps that can help you improve your credit score over time include:

  • Pay your bills on time. Payment history is the most important factor in your credit score. Pay all your bills on time for the amount owed.
  • Check your credit report. Check your credit file to make sure there are no errors. If you find any errors, dispute them with the credit bureau.
  • Reduce your credit utilization rate. Paying off credit card debt can improve this important credit score factor.
  • Avoid opening new credit accounts. Apply for and open only the credit accounts you really need. Too many serious inquiries on your credit report in a short time could lower your credit score.

Choose a shorter loan term

Personal loan repayment terms can vary from one to several years. Typically, shorter terms come with lower interest rates because the lender’s money is at risk for a shorter period.

If your financial situation allows it, applying for a shorter term could help you get a lower interest rate. Keep in mind that the shorter term doesn’t just benefit the lender – by choosing a shorter repayment term, you’ll pay less interest over the life of the loan.

Get a co-signer

You may be familiar with the concept of a co-signer if you have student loans. If your credit isn’t good enough to qualify for the best personal loan interest rates, find a co-signer with good credit could help you get a lower interest rate.

Remember that if you are unable to repay the loan, your co-signer will have to repay it. And co-signing a loan could also affect their credit score.

Compare rates from different lenders

Before applying for a personal loan, it’s a good idea to shop around and compare offers from several different lenders to get the lowest rates. Online lenders generally offer the most competitive rates and can be quicker to disburse your loan than a physical establishment.

But don’t worry, comparing rates and terms doesn’t have to be a tedious process.

Credible is easy. Simply enter the amount you wish to borrow and you can compare multiple lenders to choose the one that suits you best.

About Credible

Credible is a multi-lender marketplace that allows consumers to discover the financial products best suited to their particular situation. Credible’s integrations with major lenders and credit bureaus allow consumers to quickly compare accurate and personalized loan options without putting their personal information at risk or affecting their credit score. The Credible Marketplace delivers an unparalleled customer experience, as evidenced by over 4,500 positive Trustpilot reviews and a TrustScore of 4.7/5.

The Smithsonian’s National Museum of Asian Art Announces ‘A Splendid Land: Paintings from Royal Udaipur’

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The National Museum of Asian Art presents “A Splendid Land: Paintings from Royal Udaipur,” a major survey of works from the lakeside city of Udaipur in Rajasthan, India, from November 19 to May 14, 2023. Presented in collaboration with The City Palace Museum in Udaipur administered by the Maharana of Mewar Charitable Foundation, the exhibition brings together 63 works on paper, cotton and scrolls from collections around the world to reveal how artists have sought to convey the sensory and lived experience of the lakeside city . Many of the paintings have never been publicly exhibited or published. Curated by Debra Diamond (Elizabeth Moynihan Curator for South Asian and Southeast Asian Art at the National Museum of Asian Art) and Dipti Khera (Associate Professor at New York University), ” A Splendid Land” will be exhibited in the Arthur M. Sackler Gallery. This is the first in a series of exhibits that celebrate the National Museum of Asian Arts’ centenary in 2023.

In the 18th century, artists in Udaipur shifted their focus from small poetic manuscripts to large-scale paintings of the city’s palaces, lakes, mountains, and seasons. They sought to convey the bhava, the emotional tenor and sensory experiences, which make places and times memorable. It was unlike anything else in Indian art. The paintings express themes of belonging and prosperous future that are universal. “A Splendid Land” explores the environmental, political and emotional contexts in which the new genre emerged. Udaipur’s economy depended on annual monsoons, intensive water harvesting, and securing the loyalty of nobles and allies. By celebrating regional abundance and courtly sophistication, the paintings strengthened friendships in the changing political landscapes of modern South Asia.

“The National Museum of Asian Art has a rich history of connecting visitors with South Asian arts and cultures,” said Chase F. Robinson, Dame Jillian Sackler Director of Arthur M. Sackler Gallery and Freer Gallery of Art. “Building on a long-standing collaboration with Indian colleagues, the exhibition will allow the museum to present extraordinary but little-known pieces to a global audience, enriching their understanding of a fascinating moment in India’s past. ”

The National Museum of Asian Art has over 1,200 objects in its South Asian collections. Sculptures, paintings and manuscripts illuminate the many religious and courtly traditions of the subcontinent; photography is central to contemporary Indian heritage. “A Splendid Land” includes 13 paintings from the National Museum of Asian Art; the paintings of Udaipur are a strength of the collection.

The works featured in the exhibition reveal how painters developed a new genre centered on the lived experience of local landscapes, lake systems and palaces. The workshop has become an incubator; over some 200 years, artists have found new ways to evoke mood, trigger memories and create feelings of connection. This shift in subject differs from the body-centric visual traditions of Indian art over two millennia. “A Splendid Land” is the first exhibition to closely examine this change and how it broadened the understanding of emotions and sensory experience, as well as the management of climate and natural resources, in early modern India.

“A Splendid Land” is organized as a journey that begins in the center of Udaipur and continues outwards: first to the lakes and lake palaces, then to the city, the countryside and finally to the cosmos. An ambient soundscape by acclaimed experimental filmmaker Amit Dutta (b. 1977, Jammu, India) highlights the sensory elements of the paintings, inviting contemporary audiences to feel – not just see – the moods of these extraordinary places and paintings. The installation will include 51 works on paper (approximately 3 feet by 4 feet), five monumental works on cotton (ranging from 5 feet to 10 feet in height), a scroll (9 feet in length) from the 17th to 19th centuries and six photographs of the 19th and 20th centuries.

“The structure of the exhibition responds directly to the visuality of the paintings and the historical aims of the artists,” said Diamond, a scholar of Indian court painting. “Each gallery is centered on the emotions engendered by a particular place or season. The sequence of immersive atmospheres will enhance the sensory experience of the place for museum visitors. I am grateful to the City Palace Museum for partnering on this exciting project which allows our visitors to get a sense of Udaipur and its cultural heritage, and to co-curator Dipti Khera, whose groundbreaking work on historical emotions is at the heart of the exhibition. ”

Diamond has held numerous exhibitions with the National Museum of Asian Art, including ‘Garden & Cosmos’ (2008–9), ‘Yoga: The Art of Transformation’ (2013–4) and ‘Body Image: Arts from the Indian Subcontinent’ . currently on view in the museum’s Freer Gallery of Art. Khera, an associate professor in the Department of Art History and the Institute of Fine Arts at New York University, has published widely, highlighting art that challenges colonial perspectives and world histories of the 18th and 19th centuries.

“A Splendid Land” will be accompanied by a robust program of public events, including a public symposium on the monsoon, past and present, and how art reveals cultural attitudes towards natural resources and speaks about climate crises in South Asia that combine the perspectives of the past with those of the future. Additionally, traditional Rajasthani music group Raitila Rajasthan will perform “Music of Splendid Land”, with songs inspired by themes from the paintings of Udaipur featured at the exhibition.

Credit
“A Splendid Land: Paintings of Royal Udaipur” is organized by the Smithsonian’s National Museum of Asian Art in conjunction with the City Palace Museum, Udaipur administered by the Maharana of Mewar Charitable Foundation.

The National Museum of Asian Art acknowledges the support of the members of the “A Splendid Land: Paintings from Royal Udaipur” Board of Directors.

MANAGEMENT COUNCIL
Exhibition Co-Chairs

Farhad and Mary Ebrahimi
Dr. Vijay and Mrs. Nanda Anand

Exhibition Benefactors
Nancy Swift Furlotti (Pettit Foundation)
Nancy Chang Lee

Exhibition Sponsors
Dr. Susan L. Beningson and Steve Arons
The Honorable and Mrs. William A. Nitze
Iris and Lawrence Miller
Dr. Bruce Chalker and Dr. Polly A. Penhale
Mrs. Elizabeth Gomersall
Ashok and Stuti Kaveeshwar
Jane WashburnRobinson

Additional support is provided by Elizabeth Moynihan Conservator of South and Southeast Asian Art Endowment, The Ashok and Marion Deshmukh Endowment for South Asia, Smithsonian’s Scholarly Studies, and the Smithsonian Women’s Committee.

About the Smithsonian’s National Museum of Asian Art

The Smithsonian’s National Museum of Asian Art is committed to preserving, exhibiting, researching and interpreting art in ways that deepen our collective understanding of Asia and the world. Housing more than 45,000 objects, the museum is home to one of the largest and most comprehensive collections of Asian art in North America, with works dating from ancient times to the present day from China, Japan, from Korea, South Asia, Southeast Asia and the Islamic world. Its rich collections bring the arts of Asia into direct dialogue with an extensive collection of 19th and early 20th century American works, providing an essential platform for creative collaboration and cultural exchange between the United States, the Asia and the Middle East.

Beginning with a 1906 gift that paved the way for the museum’s opening in 1923, the National Museum of Asian Art is a premier resource for visitors, students, and scholars in the United States and around the world. . Its galleries, laboratories, archives and library are located on the National Mall in Washington, DC, and are part of the largest museum complex in the world, which welcomes more than 30 million visitors each year. The museum is free and open to the public 364 days a year, making its exhibits, programs, learning opportunities and digital initiatives accessible to a global audience.

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SI-277-2022

Shane Gould swam in the history books in his only Olympics

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50th Munich Games: Shane Gould swam in the history books in his only Olympics

Fifty years have passed since the 1972 Olympic Games in Munich, and Swimming World is celebrating this anniversary with several reports on the athletes and events of these Games.

Marc Spitz

Rick DeMont

Gunnar Larsson and Tim McKee

Only three times in Olympic history has a swimmer won five individual medals at a single Games. Two of these performances were offered by Michael Phelpswho won all five of his individual events in 2008 after claiming four golds and a bronze four years earlier, while the other swimmer to achieve that record was a 15-year-old Australian who only appeared once only once at the Olympic level. Shane Gould had a short career in elite swimming, and she was somewhat eclipsed at the 1972 Olympics by seven gold medalists To mark Louloubut what Gould accomplished was quite unprecedented.

Training under the legendary Australian trainer Forbes Carlile, Gould broke her first world record in April 1971, when she was just 14, and by the end of the year she held freestyle world records in races of 100, 200, 400, 800 and 1500 meters. No other swimmer, female or male, has ever held all of these records simultaneously, and no other swimmer has done so since. The following year, Gould would also break the world record for the 200 individual medley, although she never had six records at once.

At the Munich Olympics, Gould entered as the favorite to win five gold medals. In an interview with Olympics.com, Gould recounted the intense emotions and pride she felt as she sat in the stands to watch the opening ceremony.

“It was just exciting and moving to see the world represented by athletes coming together,” she said in the report. “It’s a lot of pomp and ceremony and nationalism, and the good music that’s played really gets you emotional. The waving of the flag and the color and the celebration of life and youth and physical ability and the fact that people from all over the world can come together and do that, of course, that’s what the Olympic Games are for the most famous.

And then the teenager began to write history. There was a world record-setting race to start the 200m individual medley, with Gould finishing half a second ahead of East Germany’s Kornelia Ender. “With the national anthem playing and the flag raised, the whole electric atmosphere, everyone standing and the marching band playing, it sent tingles down my spine, and I couldn’t do anything but cry” , Gould said of the moment. in a 2014 video from the International Swimming Hall of Fame.

Gould finished with a bronze medal in the 100 freestyle behind the Americans Sandy neilson and Shirley Babashoff, but she soon returned to the top with dominant swims and world records in the 400m freestyle and 200m freestyle. Finally, it took a world record for the American Keena Rothhammer to get the better of Gould in the 800 free.

No, she wasn’t perfect, but unlike almost every other high-medalist Olympic swimmer, Gould didn’t have the luxury of swimming with teammates who could help her fight for Olympic relay medals. No matter.

But then Gould was finished, even before his 16th birthday. After Munich, she never raced at another major competition. Almost 50 years later, Gould reflected on the decision in a March interview with the Sydney Morning Herald after another Australian sports star, tennis player Ash Bartyannounced her retirement from the sport when she was apparently at the height of her powers.

Barty had just won her third major title by becoming the first Australian to win the Australian Open in 44 years, and she was ranked No. 1 in the world at the time. While many fans questioned the decision as unconventional, Gould immediately identified with the tennis star.

“We both quit at the peak of our careers. Obviously, she believes, as do I, that there must be other things that could be challenging and interesting for her, and she wants to explore them,” Gould told the Sydney Morning Herald. “I stopped swimming because I realized there were so many other things to explore in the world, like philosophy, religion and environmentalism. They’re all fascinating and you can’t tell yourself. give it to them if you train and compete all the time. It’s as simple as that.”

Gould said she had no regrets about ending her career while still a teenager, except “in how it changed other people’s stories about me.” But her decision was about herself, just like Barty’s decision half a century later. Gould reiterated the key point that sport is not just about entertainment. Basically, the athlete’s goals and desires matter, nothing else.

“The dominant narrative for elite athletes is that they have to keep going and going and doing more and more events and entertaining more and more people and continually entertaining people, and making more money and accumulating the fame and notoriety,” Gould said, according to the Herald. But what if your authentic self says you just don’t want to do that? That was my experience, and that’s clearly where Ash is, and of course her.

Gould therefore walked away from the sport with her large collection of medals, and it was this single year that cemented her place among the sport’s all-time greats.

The National Museum of the Marine Corps’ traveling exhibit is titled “Honor, Courage, Commitment: Marine Corps Art, 1975-2018.”

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After retiring from the Marine Corps in 1991, McConnell became an illustrator whose designs range from record album covers for the Beach Boys and promotional art for the Beatles to illustrations for editorial magazines and books for children. He was a courtroom performer for ABC and CBS-TV.

His years with the Marines were invaluable. “My experiences as a combat artist have taught me self-discipline and flexibility,” he says. “I learned to work fast.”

Tanja gets cooled by Lt. Col. Keith A. McConnell, USMCR. Pen and ink on paper. Tanja, a military working dog with Headquarters and Service Battalion, I Marine Expeditionary Force, is taking a well-deserved break. CONTRIBUTED

Tanja gets cooled by Lt. Col. Keith A. McConnell, USMCR. Pen and ink on paper. Tanja, a military working dog with Headquarters and Service Battalion, I Marine Expeditionary Force, is taking a well-deserved break. CONTRIBUTED

About the exhibition

McConnell is one of 15 combat artists whose work is on display at the National Museum of the US Air Force. The National Museum of the Marine Corps’ traveling exhibit is titled “Honor, Courage, Commitment: Marine Corps Art, 1975-2018.”

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Although the works on display focus on Marines, curator Lin Ezell says the intimate scenes captured by the artists could just as easily reflect anyone wearing a uniform and engaged in military service. “You wait a turn, you wash your socks, you line up to eat, you look for the enemy,” says Ezell, a former director of the museum.

“The art of the Marine Corps is up close and personal. It is about the individual Marine – in combat, during training, or when providing assistance in times of dire need. This art helps us better appreciate those who have worn the uniform and those who continue to serve today.

Raid outside Yusifiyah, Iraq by Chief Warrant Officer 2 Michael D. Fay, USMCR. Watercolor and pen wash on paper. A Marine armed with an M-16A2 rifle and protected by body armor stands ready to engage the enemy in a street outside Yusufiyah, a major city south of Baghdad, Iraq. CONTRIBUTED

Raid outside Yusifiyah, Iraq by Chief Warrant Officer 2 Michael D. Fay, USMCR.  Watercolor and pen wash on paper.  A Marine armed with an M-16A2 rifle and protected by body armor stands ready to engage the enemy in a street outside Yusufiyah, a major city south of Baghdad, Iraq.  CONTRIBUTED

Raid outside Yusifiyah, Iraq by Chief Warrant Officer 2 Michael D. Fay, USMCR. Watercolor and pen wash on paper. A Marine armed with an M-16A2 rifle and protected by body armor stands ready to engage the enemy in a street outside Yusufiyah, a major city south of Baghdad, Iraq. CONTRIBUTED

One of the most touching paintings is called “Missing Him”. It represents a young girl and her dog looking out the window. There is a Marine Corp flag hanging from the porch and a Gold Star service flag from the window.

The artist is Charlie Grow, a retired sailor and former combat artist who says he is “a very visual person who likes to tell stories”. In this case, the story was personal. “This painting is in memory of my son-in-law,” he explains. “It’s my granddaughter standing in front of the front door of the house…”

A thematic exhibition

The exhibition consists of 36 works of art divided into three sections.

“Every climate and place” shows Marines conducting training and engaging with the enemy in a variety of settings and situations around the world. The Marines have provided humanitarian aid in Somalia, Haiti, the Philippines, Bangladesh and other places stricken by natural disasters, famine and war.

No best friend, no worst enemy” features Marines demonstrating their prowess on the battlefield and in times of great emergency. They experienced the destruction and devastation of battle, mourned the loss of their friends, and fought to survive and defeat the enemy.

“The price” reflects the cost of service paid by Marines and their relatives. The catastrophic injuries to body and mind, as well as the funeral services, are reminders of the price that has been paid.

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Much of the artwork now in Dayton comes from the collection of the National Museum of the Marine Corps and originally hung in the museum’s art gallery. It all started during World War II, when Marines with artistic talents were identified to serve as combat artists. In 1966, General Wallace Greene, commandant of the Marine Corps, ordered Col. Raymond Henri, USMCR, to establish a combat arts program and select Marines and civilians to travel to Vietnam to record their experiences. . It was from this set of works that the museum’s collection was originally formed. The collection now consists of 9,000 works of art.

Portrait of Captain Elizabeth Okoreeh-Baah of VMM-263 by Staff Sergeant Kristopher J. Battles, USMCR. Oil on linen. Captain Okoreeh-Baah was stationed in Iraq with Marine Medium Tiltrotor Squadron 263 in 2007. She flew CH-46E Sea Knights before moving to MV-22B Osprey, the first female Marine to do so. CONTRIBUTED

Portrait of Captain Elizabeth Okoreeh-Baah of VMM-263 by Staff Sergeant Kristopher J. Battles, USMCR.  Oil on linen.  Captain Okoreeh-Baah was stationed in Iraq with Marine Medium Tiltrotor Squadron 263 in 2007. She flew CH-46E Sea Knights before moving to MV-22B Osprey, the first female Marine to do so.  CONTRIBUTED

Portrait of Captain Elizabeth Okoreeh-Baah of VMM-263 by Staff Sergeant Kristopher J. Battles, USMCR. Oil on linen. Captain Okoreeh-Baah was stationed in Iraq with Marine Medium Tiltrotor Squadron 263 in 2007. She flew CH-46E Sea Knights before moving to MV-22B Osprey, the first female Marine to do so. CONTRIBUTED

The paintings, drawings and sculptures on display are by artists who include active duty Marines, Navy reservists, retired Marines who remain committed to the Corps and country and talented civilians. Navy entertainers range in rank from corporals to colonels. They created landscapes, portraits, snapshots of training and combat, and sensitive depictions of devastating casualties. The sum of these pieces is a story about today’s Marines.

Jungle Patrol by Colonel Edward M. Condra, III, USMC (Ret.) Oil on linen. A combined action patrol of U.S. and Peruvian Marines moves silently through Peru’s Amazon rainforest. CONTRIBUTED

Jungle Patrol by Colonel Edward M. Condra, III, USMC (Ret.) Oil on linen.  A combined action patrol of U.S. and Peruvian Marines moves silently through Peru's Amazon rainforest.  CONTRIBUTED

Jungle Patrol by Colonel Edward M. Condra, III, USMC (Ret.) Oil on linen. A combined action patrol of U.S. and Peruvian Marines moves silently through Peru’s Amazon rainforest. CONTRIBUTED

If you visit the museum located at Marine Corps Base Quantico in Virginia, you will likely meet Artist-in-Residence Kris Battles, who not only creates art in the gallery but is also responsible for selecting applicants who wish to become combat artists. “You have to be quick and accurate,” he says, adding that Marines and civilians alike are encouraged to submit a portfolio.

Dayton is the fourth stop in the traveling exhibit sponsored by the Marine Corps Heritage Foundation.

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HOW TO GET THERE:

What: “Honor, Courage, Commitment: Marine Corps Art, 1975-2018 – A Traveling Exhibit from the National Museum of the Marine Corps”

Where: National Museum of the US Air Force, Wright-Patterson Air Force Base. The exhibit is located in the Cold War Gallery in Building Three and sponsored by the Marine Corps Heritage Foundation,

When: 9 a.m. to 5 p.m. daily until December 17.

Entrance and parking: Free

Related: The National Museum of the Marine Corps, which opened in 2006, is an enduring tribute to the United States Marines – past, present and future. Located on a 135-acre site adjacent to Marine Corps Base Quantico, Va., the museum’s design evokes the image of Iwo Jima’s flag raisers. Immersive exhibits using innovative technology surround visitors with artifacts and the sights and sounds of Marines in action.

The museum is open every day except Christmas, from 9 a.m. to 5 p.m. Admission and parking are free and exhibits are suitable for all ages. For more information, visit www.usmcmuseum.com.

Opinion: The History Books and Opinions – Journal

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In each story, the characters are either heroes or villains. And that also seems to be the case in the way people and events are portrayed in history books.

Take for example events such as the “War of Independence”. It is seen differently by three different countries, Pakistan, India and Great Britain. The historians of these three nations speak about it from their own point of view and present themselves as the heroes of this conflict.

In class, whenever we discuss topics related to Pakistan, we find ourselves hating other countries. Involved in discussion, some students form extreme opinions based on little evidence or background knowledge.

What if we worked to formulate a type of material where we accept all events in history without coloring it with our own biased narrative, where countries are not afraid or ashamed to defend a lost war?

Looking at recent events, although I wouldn’t call them by name, we can see that a country that mistreats the people of another nation feels no remorse. It’s because they think they’re doing the right thing.

Let us take another example, that of Kashmir. Everyone looks at the scene differently. Here we look at what is happening there as genocide and repression. People there feel hopeless and crushed under a regime they reject. Then those who exert force on them feel they have the right to control them by any means and they take the Kashmiris’ display of self-defense and defiance as a threat and a rebellion. With an abundance of viewpoints, a stranger who has nothing to do with what’s going on there wouldn’t know which side to stand on or which to believe.

Each nation presents historical events to children, through their school history books, with some truth distorted by their own point of view. Many events are even completely erased from history if they show their nation or rulers wrong, or highlight a mistake made in the past. It must be realized that by doing so facts and truth are distorted and false narratives are spread. This is a disservice to future generations.

There is no creative way to look at patriotism or nationalism. We must be brave and honest enough to see and face things as they are. Whether it is a government or an individual, all try to hide their failures and avoid admitting their mistakes.

It’s high time we stopped painting history in our books with colors of our choosing. The real facts cannot stay hidden for long, the truth always comes out. And as children grow, they learn and form better, more realistic opinions. So when we write the story, let’s make sure that everyone and every event is represented factually.

Posted in Dawn, Young World, August 27, 2022

Short or long personal loan terms: how to choose the right one and more Latest News Here

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Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own.

You need to borrow money, but you don’t know which repayment term to choose for your personal loan? Learn more about short and long personal loan terms. (Shutterstock)

Personal loans have repayment terms that typically range from 12 to 60 months, or even longer. But short-term personal loans are also available, with terms ranging from a few weeks to 12 months.

A longer loan term results in lower monthly payments, but higher interest charges. If you’re looking to save on interest, you might prefer a short-term loan, even if the repayment schedule is a bit aggressive.

Here is more information on short and long personal loan terms when deciding which is best for your situation.

Credible, it’s easy to compare personal loan rates and different loan terms from various lenders, all in one place.

Advantages of short term loans

Personal loans with shorter durations have several advantages to consider, including:

  • Reduced interest costs — Because you pay it back quickly, interest charges are lower on a short-term loan.
  • Clear your debts faster — If your goal is to pay off a loan as quickly as possible, a shorter term will help you achieve that.
  • Small loan amounts available — If you don’t need a large sum of money, a short-term personal loan can help you avoid borrowing more than you need.

Disadvantages of short-term loans

Short-term loans can also have a few disadvantages that you should keep in mind:

  • Higher interest rates — Short-term loans tend to carry higher interest rates than long-term loans. It may be a good idea to do the math to make sure that a short-term loan is actually cheaper than a long-term loan with a lower interest rate.
  • Expensive fees — Short-term loans can come with high fees that can add to the total cost of your loan, such as origination fees for loan processing and late payment fees.
  • Only offers a short-term solution — A short-term loan cannot provide long-term financial support and is only designed to cover immediate cash flow problems.

Advantages of long-term loans

Long-term loans have several advantages, including:

  • Larger loan amounts — With long-term personal loans (especially with repayment terms of five years or more), it’s usually easier to get larger loan amounts than you can get with short-term personal loans.
  • Credit creation potential — If you pay off all your personal loans on time, it can improve your credit score. A long-term personal loan gives you more time to make regular payments.
  • Smaller monthly payments — Since repayment is spread over several months or years with a long-term personal loan, your monthly payment amount will likely be smaller and more manageable than a short-term loan.

If you are looking for a loan with flexible repayment terms, Credible allows you to view your prequalified personal loan rateswithout affecting your credit score.

Disadvantages of long-term loans

Before taking out a longer-term loan, keep these potential downsides in mind:

  • Increases debt-to-income ratio — most debt you have, the higher your debt-to-equity ratio may be, making it more difficult to qualify for other loan products. If you know you will need a large loan product while you are paying off a long-term personal loan, such as a car loan or mortgage, you may want to wait to get a personal loan, or you can opt for a loan with a shorter term instead.
  • May be more expensive — Although short-term loans tend to have higher interest rates than long-term loans, you often end up paying more interest over the life of the loan because you have to pay interest for many months. extra with a long-term loan. Again, it’s important to analyze the numbers here to see which option can save you more money.
  • Longer financial pressure — If you’re struggling to pay off your debts, a long-term personal loan can add a lot of financial stress to your plate for many years to come. You may not want this debt hanging over your head for so long.

What loan repayment term is right for you?

Not sure if a short-term loan or a long-term loan is right for you? It can be difficult to make that call, but looking at the numbers can help make the decision easier. The first thing you’ll want to consider is how the term of the personal loan will affect your monthly payment amount and the amount of interest you’ll pay over the life of the loan.

For example, let’s say you take out a loan for $5,000 with an interest rate of 11%. Here’s how the term of your loan can affect the amount of interest you’ll pay:

  • Duration of the two-year loan: Your monthly payment would be $233 and you would pay $593 in interest.
  • Five-year loan term: Your monthly payment would only be $109, but you would pay a total of $1,523 in interest, almost $1,000 more than you would pay with the short-term loan.

These potential savings are significant, but only if you can afford the monthly loan payments in the short term. You can use Credible’s personal loan calculator to get a better idea of ​​what personal loan term might be right for you.

It can help to shop for short and long term personal loans with different lenders before making a decision. Personal lenders offer different loan amounts, interest rates, fees, and repayment terms, so comparison shopping can help ensure you’re getting the best loan and repayment terms for your financial needs.

If you’re ready to apply for a personal loan, Credible makes it quick and easy compare personal loan rates to find the one that suits your needs.

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Google removes more than 2,000 personal loan apps since January for security reasons

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Google said it removed more than 2,000 personal loan apps – more than half of the category’s total apps – from Google Play India since the start of the year, mostly due to user security concerns.

Senior Director and Head of Trust and Safety for Google Asia Pacific, Saikat Mitra, said, “Supported by local research and feedback from our stakeholders, we’ve updated Google Play’s policies associated with personal loan applications in india”.

Mitra added that the tech giant helped law enforcement with their investigation.

The issue of unregulated personal loan apps drew attention after the Reserve Bank of India (RBI) proposed a regulatory framework. The central bank has recommended a law for the prohibition of unregulated lending activities (BULA) to protect borrowers against predatory lending, harassment and blackmail.


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Mitra said that once an app is uploaded to Google Play, it goes through a series of scans, both from a technical and content perspective. “But in the case of lending apps, the criminal activity takes place outside of the apps in the real world.”

Several borrowers have complained of harassment and blackmail to repay loans on the platforms.

“Since becoming aware of the harms caused to users due to predatory practices adopted by some of the personal loan apps, we have engaged with industry and law enforcement to help address these issues,” Mitra said.

Mitra added that Google has deployed its artificial intelligence/machine learning capabilities to penalize bad actors on the Play Store.

Problems with loan apps could be easily solved in countries like Indonesia, as there is a list of government-certified apps, Mitra said. “The problem with lending apps operating in India was unique because apps can look perfect but still be a threat to users in the real world.”

When asked if a blanket ban on personal loan apps was the solution, Mitra said there was real user value in personal loan apps. “Especially after the pandemic and job losses, people need access to credit. For every bad loan application, there are dozens of good applications,” he said.

The National Museum of African American History and Culture publishes a collection of LGBTQ+ photographs

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The National Museum of African American History and Culture recently published its LGBTQ+ Photography Collection as part of his Open Access Initiative. The launch aims to give people online access to images and data from the museum’s various collections, allowing people to learn about LGBTQ+ black history in a new way.

The LGBTQ+ Photography Collection allows people to scroll through works by Black LGBTQ+ artists, writers, and personalities within the LGBTQ+ rights movement. Many pieces in the collection derive from the harlem revival, a thriving period within African-American culture from the early 1920s to the mid-1930s. The era became the basis for many Black LGBTQ+ writers, musicians, and artists to freely express their identity. The collection raises awareness of the incredible talent of the black queer community and the struggles of intersectional discrimination they face within American society.

The museum’s literature collection includes the works of influential queer black writers such as Alain Locke’s book “The New Negro: An Interpretation“and the collection of poetry of Countee Cullen”Color.“It was these influential books that established a new period in Harlem’s black culture, a time when queer art, music, and nightlife were able to flourish.

The NMAAHC collection features photographs from all 41 issues of BLK Review. BLK was created by African-American journalist Alan Bell in the late 1980s, seeking to target a black LGBTQ+ audience. Many prominent black queer figures from the 1980s and 1990s were interviewed for the magazine, including the poet Audre Lordedisco singer Sylvester and filmmaker Marlon Riggs. Not only did BLK shine a light on LGBTQ+ black culture and art, but it became an extremely important source of HIV and AIDS information during the AIDS crisis of the 1980s and 1990s. In this way, the magazine was an advocate for equality, elucidating the struggles and discrimination black people in the LGBTQ+ community faced in everyday life.

Another notable aspect of the NMAAHC collection is photography by a Black and LGBTQ+ rights activist, Ron Simmons. Simmons’ photography captures the growth of the LGBTQ+ pride movement in the 1970s and 1980s. His work features various moments of gay pride events throughout history, including images of Marsha P Johnson during a Gay Pride march in New York.

Other important photographs in the collection include Audre Lorde speaking at the third world gay conference and banners of the first national march on Washington for lesbian and gay rights. The photograph by Ron Simmons encapsulated a remarkable point in the history of the Black LGBTQ+ pride movement, reminding people today of the powerful figures who led the movement.

NMAAHC’s Open Access initiative has become an important step in giving the public greater access to the art, images, and objects that envelop African American history. This is particularly important in shining a light on the identities and lives of black LGBTQ+ artists and activists, whose stories are often suppressed.

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Japanese American National Museum premieres cancer-fighting director’s film about the pains of World War II incarceration camps

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A film about a Japanese-American family uncovering their forgotten history in World War II incarceration camps premiered at the Japanese-American National Museum in Little Tokyo in Los Angeles on Saturday.

Written and directed by Paul Daisuke Goodman, “No No Girl” features newcomer Mika Dyo and Oscar winner Chris Tashima, as well as a cast of Japanese American talent.

Goodman, 30, developed the film with his own family in mind. His grandfather was among those incarcerated at Camp Rohwer in Arkansas and later enlisted in the highly decorated 442nd Regimental Combat Team.

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“A tremendous amount of ‘No No Girl’ is influenced by my upbringing as a Japanese American and the experiences of so many people in my life,” Goodman told NextShark of her second feature film. “It deals with the aftermath of the incarceration of Japanese Americans after the bombing of Pearl Harbor in World War II and how this illegal decision impacted our community and our history. I grew up no only hearing stories of parents who were in these camps, but also the stories of all the parents and grandparents of my friends who were also incarcerated.

Goodman’s suffering during the production of “No No Girl” wasn’t limited to revisiting painful memories. In 2016, he was diagnosed with acute lymphoblastic leukemia, which he has since battled with chemotherapy, radiation and, most recently, a bone marrow transplant from his sister Laurie, who later served as the film’s producer.

Prior to his life-changing diagnosis, Goodman had filmed for documentaries around the world, such as Discovery Channel’s “Whale Wars.” But he said continuing that work became unfeasible after his diagnosis, so he went down a different path, writing scripts in hospital and filming them in outpatient settings.

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“‘No No Girl’ was different because I started pre-production while I was going through some of the most brutal regiments of all my cancer,” Goodman recalled. “When the cancer relapsed, it had spread to my spine and my brain, and the initial prognosis was the most severe I have ever experienced.”

“They presented me with situations and figures that were difficult to understand. They told me it was a bone marrow transplant, otherwise I wouldn’t recover,” he adds.

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Goodman’s transplant presented its own challenges. But as he lay sickly in his hospital bed, the Japanese-American community was strong for him, launching blood drives “across California, Hawaii, Texas and even around the world.”

“My bone marrow transplant was unique due to the nature of the science behind the donors and my nationality. I am both Japanese and European/Ashkenazi Jewish, and to find a safe match for BMT, the donor had to have a similar racial identity,” Goodman said. “My brother, Laurie, would end up 50% matching and saved my life. We did ‘No No Girl’ together and I look back fondly on it.

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“No No Girl,” meanwhile, would become Mika Dyo’s big screen debut. The up-and-coming actress said most of her other credits come from live theater productions at Long Beach Polytechnic High School and California State University, Long Beach, where she is currently pursuing a Bachelor of Arts in Theater Arts.

Dyo plays the lead role of Sue, the youngest member of the Hasegawa family, who “is never taken seriously,” Dyo says, so she “takes the step to find out about her family’s past” and eventually becomes the one who brings them together.

Being the newest among actors, Dyo had times when she doubted her abilities. But she says everyone involved helped and encouraged her.

“The biggest challenge I faced was dealing with impostor syndrome. This is my first professional film; everyone in the cast has been doing this for a long time. We have Chris Tashima, winner of an Oscar, for crying out loud. I was just a student with no one, trying to apply the lessons from my acting classes within hours of learning them,” Dyo told NextShark.

The rising star said there was “never a moment of arrogance” on her part and that she learned a lot from everyone.

“I was fully aware and honored to work with people who have made their way in this industry, so I could be here. Everyone was incredibly nice and supportive throughout the filming process. They trusted me when I doubted myself and encouraged me when I wanted to shrink.

Chris Tashima, who received an Oscar for the film “Visas and Virtue” in 1997, plays Sue’s Uncle Bob. The eldest of his siblings, Bob considers himself a patriarch and feels responsible for the family.

Bob is a Sansei, or third generation Japanese American. Tashima told NextShark he also identifies as one of them and relates to the film’s take on the unanswered questions about war.

“I found that there were a large number of Sansei whose parents, nisei, spoke very little about their WWII camp experience, if at all. As a result, there are many unanswered questions or secrets hidden from these children of camp survivors,” Tashima says.

“It’s not the main focus of the script – because that’s not what Sue is going through – but it was very easy for me to bring a lot of the burden to the surface while filming the film’s climactic reveal. . It was a moving moment which for me means a lot to the children of the survivors of the camp. It’s a healing moment for Bob that I wish more Sansei could experience.”

Goodman, who is a Yonsei – a fourth-generation Japanese American – said “No No Girl”, from Sue’s perspective, tries to describe what it’s like to be “removed” from the story.

“As Yonsei with half a century between me and the camps; identity, family and history are at the heart of “No No Girl”. The characters in our film discover that their ancestors, as many truly did at that time, chose to bury their valuables in their backyards instead of waiting to see them confiscated or destroyed while they were kicked out of their homes,” Goodman explained.

“Eighty years later, when ‘No No Girl’ takes place, this family must decide how to get her back or if they even should. Told from the perspective of the youngest in a multi-generational family, I Tried to talk about what it’s like to be estranged from something so historically defining and yet unable to recognize its influence.The camps are hard to understand and those from our past who survived them have almost all disappeared .

Industry veteran Tashima praised the film’s crew for their efficiency. He says he’s grateful to Goodman for bringing such a story to life.

“The fact that this film focuses on a Japanese-American family makes it unique and very special to me. Very little work has examined the aftermath of the camp and the impact of this experience on subsequent generations,” Tashima says. The post-war period was a difficult time for those who lived through incarceration, and the tendency was to keep it quiet, which usually made matters worse. I am grateful that there is Yonsei like Paul who takes the time to bring this out into the open and have a dialogue about the impact of our WWII concentration camps and the lives of Japanese-American families. .

For his part, Goodman says he hopes to make more films that highlight Japanese American and AAPI histories.

“There was a time when ‘No No Girl’ felt like it was the last thing I would do. But we did it, and now there’s more stories and more movies to be made and more “opportunities to look down on my cancer and succeed in spite of it. If there’s a hit coming from this movie, my goal is to make another one and share it again,” Goodman told NextShark “I’m just a filmmaker trying to tell these stories, but if I had the chance, I would tell every one of them.”

“It can’t be more difficult than cancer, can it?”

Featured image via Paul Goodman and Andrew Ge

10 must-read history books recommended by Manu S Pillai

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As a reader, we like to experiment with different genres. Also in non-fiction, an area often overlooked in India was history. India’s history is fascinating and several young authors are publishing books about kings, queens and dynasties that appeal to today’s readers.

One of these authors is Manu S Pillai, who has written four books and is a renowned historian. Apart from his research, Manu also finds time to read other books on history.

Here are 10 history books recommended by Manu S Pillai:

1. Gem in the Lotus: The Seeding of Indian Civilization by Abraham Eraly

Gem in the Lotus: The Seeding of Indian Civilization by Abraham Eraly

This book is considered a comprehensive and compelling portrait of ancient India. Eraly explores all the important milestones of the Indus Valley Civilization through Aryan Vedic culture to the beginnings of Jainism and Buddhism and ends with the Mauryan Empire.

In an interview with Scroll, Manu recommends Abraham Eraly’s work to young readers. He recommends starting Eraly’s work with Gem in the Lotus.

“A series that I highly recommend, including to young readers with an interest in Indian history, is the work of Abraham Eraly – a hugely underrated but gifted writer of historical non-fiction who died a few years ago,” Manu said. scroll.

2. Lady Doctors: The Untold Stories of India’s First Women in Medicine by Kavitha Rao

Lady Doctors: The Untold Stories of India's First Women in Medicine by Kavitha Rao
Lady Doctors: The Untold Stories of India’s First Women in Medicine by Kavitha Rao

This book chronicles the stories of the first female doctors in India, who had to fight many battles to achieve their dreams. Kavitha Rao uncovers the stories of six women who defied the odds in the 1860s to 1930s to pave the way for today’s doctors. Anandibai Joshi, considered India’s first female doctor, flouted caste rules when she crossed an ocean to study. Rukhmabai Raut divorced her husband and studied to become a doctor; Kadambini Ganguly, cared for eight children while she worked, widowed child Haimabati Sen, who overcame poverty and hardship.

Manu calls it one of the best books he has read.

3. White Mughals by William Dalrymple

White Mughals by William Dalrymple
White Mughals by William Dalrymple

White Mughals is a love story set in 1798, Hyderabad, between James Achilles Kirkpatrick, a British resident, and Kahir un-Nissa, the great-niece of the Prime Minister of the Nizam and a descendant of the Prophet. Through this love story, Dalrymple gives us an image of the political and cultural life of India in the 18th century, under British domination.

In a Twitter interaction, Manu credits the White Mughals for his interest in history. “I discovered my interest (in history) not so much in textbooks as in White Mughals and WD’s 1957 book,” Manu tweeted.

4. Akbar: The Great Mughal by Ira Mukhoty

Akbar: The Great Mughal by Ira Mukhoty
Akbar: The Great Mughal by Ira Mukhoty

This book traces Abu’l Fath Jalal-ud-din Muhammad Akbar, the third Mughal emperor. During his reign, the Mughal Empire was one of the richest in the world and covered much of the Indian subcontinent. Mukhoty covers Akbar’s life and the Mughal Empire under him in detail. She reveals to us her ambitions, her mistakes, her bravery, her military genius, her empathy for her subjects and her efforts to reform the governance of her empire.

In several interviews, Manu recommended this book. He says the perspective that female authors bring to writing history is fascinating, and something that has been missing for far too long.

“A much heavier volume, also about an Indian emperor and written with great charm, in that it brings to light small details to portray this famous king and his human eccentricities as much as his political achievements,” Manu told AFP. Hindu.

5. Indica: A Profound Natural History of the Indian Subcontinent by Pranay Lal

Indica: A Profound Natural History of the Indian Subcontinent by Pranay Lal
Indica: A Profound Natural History of the Indian Subcontinent by Pranay Lal

Indica traces the evolution and natural history of the Indian subcontinent. He talks about the oldest rocks in Karnataka, reptiles, dinosaurs, mammals and plants. It shows us how every piece of rock and every inch of ground is a virtual museum and how, for billions of years, millions of spectacular creatures have reproduced, walked and lived above and below.

Manu recommends this book and says it’s one he gives people often.

“Indica has beautiful illustrations and is produced with great charm,” Manu told Chalchitra Talks.

6. The Language of History by Audrey Truschke

The Language of History by Audrey Truschke
The Language of History by Audrey Truschke

The Language of History analyzes an unrecognized history of Indo-Muslim or Indo-Persian rule written in Sanskrit. These Sanskrit texts were written between 1190 and 1721. This book covers Mughal rule and the Delhi Sultanate and Muslim rule in the south.

It was one of Manu’s best reads of 2021.

7. Kabir, Kabir of Purushottam Agrawal

Kabir, Kabir by Purushottam Agrawal
Kabir, Kabir by Purushottam Agrawal

In The Life and Work of the Modern Poet-Philosopher Kabir, Agrawal presents readers with a new interpretation of Kabir. The book talks about the nation’s past and present through Kabir’s life and poetry. In this rare assessment of Kabir’s writings and life, Purushottam Agarwal approaches this timeless poet-revolutionary with few preconceptions, presenting him as the poet wanted to be seen, rather than what his followers and fans wanted to see in him.

It was also one of Manu’s best reads of 2021

8. Gandhi’s Assassin: The Creation of Nathuram Godse and His Idea of ​​India by Dhirendra K Jha

Gandhi's Assassin: The Creation of Nathuram Godse and His Idea of ​​India by Dhirendra K Jha
Gandhi’s Assassin: The Creation of Nathuram Godse by Dhirendra K Jha

This book traces the beginnings of Nathuram Godse. Drawing on never-before-seen archival material, Jha challenges the sanitization of Gandhi’s assassination and offers insight into the making of independent India. It talks about Godse’s journey which led to the assassination of Mahatma Gandhi,

Manu said this book was on his list in an interview with Chalchitra Talks.

9. Furrows in a Field: The Uncharted Life of HD Deve Gowda by Sugata Srinivasaraju

Furrows in a Field: The Uncharted Life of HD Deve Gowda by Sugata Srinivasaraju
Furrows in a Field: The Uncharted Life of HD Deve Gowda by Sugata Srinivasaraju

This book traces the life of HD Deve Gowda, who became Prime Minister in 1996 and held the post for less than a year. He has been in politics for almost seven decades. He started at the very bottom as a member of the Holenarasipur Taluk Development Council and rose to the top as the eleventh Prime Minister of India. Even 25 years after stepping down as prime minister, he has remained relevant in Indian politics. He is a self-made man and started his journey from scratch.

Manu recommends this book for political history.

“This is an excellent book on the life of Deve Gowda. I was a kid when he became prime minister, and his rise has led to some interesting adult conversations. He has achieved a lot in 11 months as prime minister,” Manu told Chalchitra Talks.

10. The Decline of Nair Dominance by Robin Jeffrey

The Decline of Nair Dominance by Robin Jeffrey
The Decline of Nair Dominance by Robin Jeffrey

This book is about society and politics in Travancore from 1847 to 1908. It tells the story of how a long-standing matrilineal society began to crumble. Anyone who has walked the streets of Trivandrum, or reflected on the remarkable social achievements of Kerala’s model of development, will find in this book a vivid evocation of an era in history and an essential foundation for their understanding of God’s own country.

In a Reddit Ask Me Anything (AMA), when a Redditor asked Manu for a book to understand the history of Kerala in the 20th century, Manu recommended this book. He called it one of the best from the 19th to the 20th century.

Sources

Edited by Yoshita Rao; Image courtesy of Manu S Pillai’s Instagram

‘Manu Pillai, author and historian, shares his 5 best reads of 2021’ Published 04 January 2022 Courtesy of The Times of India
‘Writer Manu S Pillai’s lockdown reading list for you’ by Saraswathy Nagarajan for The Hindu, Published 08 April 2020
‘Making History Enjoyable is Harder Than You Sometimes Think: Manu S Pillai’ by Sayari Debnath for Scroll, Posted March 26, 2022
Chalchitra speaks

Top 3 Benefits of an EMI Personal Loan Calculator You Need to Know

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Thanks to fintech innovations, personal loans are now readily available to borrowers. With a digital, paperless application, you can get a personal loan in hours. But that doesn’t mean you should get a loan without doing your due diligence. Making the right decision is of the utmost importance, as it protects your financial well-being. The key here is to evaluate loan offers for affordability and low costs. An easy way to identify these offers is to use a personal loan EMI calculator. This tool offers useful information for making the right borrowing decisions. Additionally, the EMI Calculator helps with loan planning, which is a crucial step that should not be skipped.

In addition to these factors, a personal loan EMI calculator offers several benefits that help you borrow smarter and put your interests first. Read on about the benefits of using a personal loan EMI calculator.

Plan your loan easily and efficiently

Loan planning is an essential step you need to do before you qualify for a personal loan. This usually includes budgeting and finding loan terms that suit your financial capabilities. To do this, you generally need to know the applicable interest rate, calculate the EMIs to pay, and find a mandate that matches your goals. An effective way to do this is to use a personal loan EMI calculator.

This digital offer is free, available online and accessible via a smartphone or browser. You need to enter the values ​​for the interest rate, term, and personal loan amount, and the EMI calculator will automatically display the results. You don’t have to perform tedious manual calculations and the whole process only takes a few seconds. This comes in handy when planning the loan, as you will need to evaluate results for multiple combinations of loan terms. An EMI calculator makes the process quick and can be done anywhere.

Find the offers that best suit your monthly budget

A personal loan EMI calculator makes it quite easy to compare different offers based on their terms. This is a major advantage as it highlights the best loans in the market. By evaluating loans based on their affordability, you can shortlist the options that really match your profile. Additionally, an EMI calculator is very easy to use, so this process is also quite quick.

Knowing the interest rates offered by different lenders, you can calculate the cost of borrowing with just a few clicks. Given the role an EMI calculator plays in verifying the feasibility of your personal loan, apply only after carefully comparing the different offers and terms.

Get accurate results to make informed decisions

As mentioned above, a personal loan EMI calculator gives you an estimate for all the combinations you enter. Having this information makes it easier for you to do your research and make an informed decision. However, the advantage here is that you still get accurate results. Manual calculations can lead to errors, but you don’t have to worry about these issues with a digital calculator. As long as you enter the correct values, you will get error-free results.

By eliminating the likelihood of errors, you never have to worry about inaccurate estimates when planning. This is a significant benefit of an EMI calculator, as scheduling loans based on inaccurate estimates can divert funds. It can further cause you to not repay or miss an EMI payment, which can negatively affect your financial situation.

Overall, using an EMI personal loan calculator helps you make decisions based on your financial priorities. However, to make sure you get an offer that matches your profile, you need to do your market research. Pick deals that prioritize affordability and look for lenders that offer perks that work towards that end. A smart option that meets this checklist is the Bajaj Finserv personal loan.

Get instant approval for a penalty of up to Rs. 25 lakh and enjoy a competitive personal loan interest rate to control costs. You can access a suite of digital provisions, which includes a user-friendly EMI calculator to simplify the borrowing experience. Get started right away, view your pre-approved offer online and get financing made easy.

Disclaimer: This article is a paid publication and does not involve any journalistic/editorial involvement of the Hindustan Times. Hindustan Times does not endorse/endorse the content(s) of the article/advertisement and/or opinions expressed herein. Hindustan Times shall not be in any way responsible and/or liable in any way whatsoever for anything stated in the article and/or also with respect to the view(s), opinion(s) ), announcement(s), statement(s), affirmation(s) etc., stated/presented in the same.

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Personal loan interest rates increase for 3 and 5 year loans

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Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders, all opinions are our own.

The latest personal loan interest rate trends from Credible Marketplace, updated weekly. (Stock)

Borrowers with a good credit application personal loans in the last seven days pre-qualified for higher rates for 3 and 5 year loans compared to the previous seven days.

For borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender between August 15 and August 21:

  • Rates on 3-year fixed-rate loans averaged 11.86%, down from 11.18% the previous seven days and from 11.34% a year ago.
  • Rates on 5-year fixed-rate loans averaged 15.46%, down from 15.33% the previous seven days and from 13.76% a year ago.

Personal loans have become a popular means of consolidate and pay off credit card debt and other loans. They can also be used to cover unexpected expenses like medical billstake care of a major purchase, or finance home improvement projects.

Rates for 3- and 5-year fixed rate personal loans have increased over the past week. Rates for 5-year terms increased slightly by 0.13%, while rates for 3-year terms saw a larger increase of 0.68%. In addition, rates for both quarters are higher than they were at the same time last year. Despite this week’s increases, borrowers can take advantage of interest savings now with a 3- or 5-year personal loan. Both loan terms offer significantly lower interest rates than higher cost borrowing options like credit cards.

Whether a personal loan is right for you often depends on several factors, including the rate you may qualify for. Comparing several lenders and their rates could help you get the best possible personal loan for your needs.

It’s always a good idea to comparison store on sites like Credible to understand how much you qualify for and choose the best option for you.

Here are the latest personal loan interest rate trends from the Credible Marketplace, updated monthly.

Personal Loan Weekly Rate Trends

august-22-personal-loans.jpg

The table above shows the average prequalified rates for borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender.

For the month of July 2022:

  • 3-year personal loan rates averaged 11.04%, down from 11.1% in June.
  • 5-year personal loan rates averaged 13.72%, down from 13.13% in June.

Personal loan rates vary widely depending on credit rating and length of loan. If you’re curious about what kind of personal loan rates you might qualify for, you can use an online tool like Credible to compare the options of different private lenders. Checking your rates will not affect your credit score.

All Credible Marketplace lenders offer fixed rate loans at competitive rates. Since lenders use different methods to assess borrowers, it’s a good idea to ask for personal loan rates from multiple lenders so you can compare your options.

Current personal loan rates by credit score

personal-loan-822.jpg

In July, the average prequalified rate retained by borrowers was:

  • 8.34% for borrowers with credit scores of 780 or higher choosing a 3-year loan
  • 29.09% for borrowers with a credit score below 600 who choose a 5-year loan

Depending on factors such as your credit score, the type of personal loan you are looking for, and the repayment term of the loan, the interest rate may differ.

As the chart above shows, a good credit rating can mean a lower interest rate, and rates tend to be higher on loans with fixed interest rates and longer repayment terms.

How to get a lower interest rate

Many factors influence the interest rate a lender can offer you for a personal loan. But there are steps you can take to increase your chances of getting a lower interest rate. Here are some tactics to try.

Increase credit score

Generally, people with higher credit scores qualify for lower interest rates. Steps that can help you improve your credit score over time include:

  • Pay your bills on time. Payment history is the most important factor in your credit score. Pay all your bills on time for the amount owed.
  • Check your credit report. Check your credit file to make sure there are no errors. If you find any errors, dispute them with the credit bureau.
  • Reduce your credit utilization rate. Paying off credit card debt can improve this important credit score factor.
  • Avoid opening new credit accounts. Apply for and open only the credit accounts you really need. Too many serious inquiries on your credit report in a short time could lower your credit score.

Choose a shorter loan term

Personal loan repayment terms can vary from one to several years. Typically, shorter terms come with lower interest rates because the lender’s money is at risk for a shorter period.

If your financial situation allows it, applying for a shorter term could help you get a lower interest rate. Keep in mind that the shorter term doesn’t just benefit the lender – by choosing a shorter repayment term, you’ll pay less interest over the life of the loan.

Get a co-signer

You may be familiar with the concept of a co-signer if you have student loans. If your credit isn’t good enough to qualify for the best personal loan interest rates, find a co-signer with good credit could help you get a lower interest rate.

Remember that if you are unable to repay the loan, your co-signer will have to repay it. And co-signing a loan could also affect their credit score.

Compare rates from different lenders

Before applying for a personal loan, it’s a good idea to shop around and compare offers from several different lenders to get the lowest rates. Online lenders generally offer the most competitive rates and can be quicker to disburse your loan than a physical establishment.

But don’t worry, comparing rates and terms doesn’t have to be a tedious process.

Credible is easy. Simply enter the amount you want to borrow and you can compare multiple lenders to choose the one that suits you best.

About Credible

Credible is a multi-lender marketplace that allows consumers to discover the financial products best suited to their particular situation. Credible’s integrations with major lenders and credit bureaus allow consumers to quickly compare accurate and personalized loan options without putting their personal information at risk or affecting their credit score. The Credible Marketplace delivers an unparalleled customer experience, as evidenced by over 4,500 positive Trustpilot reviews and a TrustScore of 4.7/5.

National Military Vehicle Museum offers free admission and honors 9/11 heroes

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(Dubois, W.Y.) – The National Military Vehicle Museum will once again join the nation in honoring those who perished or lost loved ones on the 21st anniversary of the 9/11 terrorist attacks on American soil that claimed the lives of nearly 3,000 people.

On Sunday, September 11, the Museum will offer free admission to its world-class military history museum near Dubois, Wyoming. For the second year, the Museum has received an unsolicited anonymous donation in the hope that guests can mark the passage of time since the attacks at the museum.

“Since the attacks of 9/11, Americans have promised to ‘never forget,’ said Alynne Catron, executive director of the National Military Vehicle Museum. “It honors us that such a generous donation will once again enable many people to experience the museum – a place where we do our best to honor the service and sacrifice of American veterans and their families every day.”

In addition to free admission, the museum will host Wyoming’s inaugural Honor and Remember service. The purpose of the Honor and Remember program is to perpetually recognize the sacrifice of fallen US service members and their families. The organization honors all military lives lost, not only on active duty, but also because of service.

On 9/11, the museum will honor Air Force Combat Controller John Chapman, Marine Cpl. Matthew Henderson, Marine LCpl Rylee McCollum, Marine LCpl Chance Phelps and Marine LCpl Jerrod Warden. All winners have a Wyoming connection.

“It will be an incredible honor to present families with these flags, a national symbol that uniquely and specifically recognizes in gratitude and respect the ultimate sacrifice made by members of the United States military in service to our nation,” the founder said. of the museum, Dan Starks.

The program will begin at noon on Sept. 11 and is open to the public in the newly opened 599-seat assembly hall in the Poolaw Building on the National Military Vehicle Museum campus.

The NMMV remains open daily through September and will transition to off-season hours beginning October 3, when the museum opens on Wednesdays. until Sunday only.

Learn more about nmmv.org.

Albert Pujols once again engraves his name in the history books; here are all the ways he did it in Saturday night’s win

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In his ongoing quest to defy age, Cardinals slugger Albert Pujols continues to etch his name in the history books, doing so in four different ways in the Cardinals’ win over the Diamondbacks on Saturday night.

1.) In the career record books, not only did Pujols move closer and closer to the legendary 700 home run plateau, hitting home runs number 691 and 692, Pujols passed his famous compatriot Cardinal Stan Musial for second place in the all-time total base rankings. , moving to second place all-time with 6,141 total goals. Now sitting behind only Hank Aaron, who leads by a comfortable margin of 6,856 total goals.

2.) Pujols’ two longballs also put him tied for 16th all-time for home runs after the age of forty, bringing his total to 36.

3.) The four hits also put Pujols 51st in most hits by a player after his fortieth birthday. Taking it to 152 shots and passing Derek Jeter, George Brett and Chaney White.

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4.) But the record-breaking performance on the Arizona Diamondbacks wasn’t just one of the cumulative stats of Pujols’ 22-year career. It was also one of the greatest single game performances of all time. With his single in the seventh inning, Pujols, 42, became the oldest player in major league history to have four hits, including two home runs in a game.

5.) By virtue of this accomplishment, Pujols joined an exclusive group of only seven other players, aged forty or older, who managed to accomplish the feat of hitting multiple homers in a four-hitter game, including names like Babe Ruth, Barry Bonds, Rickey Henderson, Nelson Cruz (who’s done it twice), Joe Morgan Willie Stargell and Stan “The Man” Musial.

6.) To top it off, Pujols’ second home run made it the 64th multi-home run of his career, passing Willie Mayes for fifth place all-time.

Pujol’s night ended when he was hit in the ninth inning, meaning he never had the chance to join another exclusive group of players aged forty or over to get five hits. sure in a game. A feat that has only been accomplished 13 times by 10 different players.

Statues, like history books, should be revisited, not canceled

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These interventions drew attention to the statue. They made it visible not only to those who found it so painful, but also to other locals and visitors. People wanted to know what it was about and to know more about Crowther. Momentum built for the removal of the statue.

Crowther’s downfall will be nothing like the loud toppling of Edward Colston’s statue by a crowd of Black Lives Matter protesters in Bristol in June 2020. It will not suffer the indignity of incremental mutilation or layers of graffiti like today- removed statue of Robert E Lee in Richmond, Virginia.

Instead, talks are ongoing with the Museum and Art Gallery of Tasmania, a block from the statue’s current location. If they agree to take it on, the statue can be presented with the balanced interpretation that museums excel at. There he can still play a role as a witness to past values ​​– visible proof that it has long been considered acceptable to have a statue of a body thief in a public park.

A headless statue of Charles Dickens, attacked by vandals in Centennial Park, is transported to Rozelle’s workshop for restoration in 1988.Credit:Michael Rayner/Fairfax Media

To my knowledge, this is the first process being considered that will lead to the removal of an Australian statue due to changing values. But, more discreetly, there is a long history of statues being removed and repositioned. Many of them, originally placed at the edge of the road in full view, have to be moved when the road is widened and end up in side roads or parks.

Sydney’s Centennial Park was once adorned with 31 statues, including Abraham Lincoln and Charles Dickens. Many have been removed over the years due to decay, changes to park roads, and vandalism. Some have been replaced. None of this caused public outrage. It was recognized that statues were one element of the built environment among others and would inevitably undergo change.

I recommend a return to this approach. If one accepts that statues are a form of history – that they embody a particular way of looking at the past – they need to be revisited from time to time, just as written historians are. The history books on the shelves of the State Library are added each year as the historian asks new questions about the past and offers new understandings of it.

Crews remove one of the largest remaining American Confederate monuments, a towering statue of Confederate General Robert E. Lee in Richmond, Virginia in 2021.

Crews remove one of the largest remaining American Confederate monuments, a towering statue of Confederate General Robert E. Lee in Richmond, Virginia in 2021.Credit:Steve Helber/Pool

Since the 1960s, greater attention has been paid to workers, women, indigenous peoples and other marginalized groups, and in my own field of environmental history, to the plants and animals with which we share our life, and to the planet itself. I do not base my understanding of Australian history on a book written in 1889, for reasons Anna Clark explored so vividly in her new book. Making Australia’s History.

But I’m not burning this book either. I use it more as a primary source – one that informs me of the concerns of the time it was written.

This is what the statues aim to revisit. He should identify which statues still have a message to share, which ones could be reframed with a new interpretation, and which ones should no longer be given a literal plinth from which to put forth their view of history.

A process like the one being pursued in Hobart, in which those who feel hurt by a statue’s message, those who find themselves affirmed by it and those in between can all express their views before a decision is be taken by elected officials is a way forward.

The Opinion Bulletin is a weekly summary of viewpoints that will challenge, defend and inform your own. register here.

In total darkness at the National Museum of Beirut, visitors use cellphones to shed light on artifacts

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CAIRO: Egypt has expressed its strong condemnation of the terrorist attack which targeted a hotel in the Somali capital, Mogadishu, which killed at least 21 people.

Egypt’s Foreign Ministry said in a statement, “Egypt affirms its full solidarity with Somalia in this painful affliction, stressing its total rejection of all forms of violence, extremism and terrorism.”

Police and military in Mogadishu announced on Sunday that Somali forces had concluded a siege in Hayat and freed 106 people, including women and children, according to Reuters.

Al-Qaeda-linked Al-Shabab militants launched the attack on the hotel on Friday, in a 30-hour operation.

On Sunday morning, despite the prevailing calm, roads remained closed amid a heavy security presence, and emergency personnel and demining experts sought to clear the building and remove rubble.

The hotel building was badly damaged in the exchange of fire between government forces and militants, leading to it collapsing in places and causing many people to worry about relatives inside when the attack has begun.

The hotel was a popular meeting place for government officials and there were dozens of people inside when armed men stormed it.

Somali National Police Commander Major General Hassan Abdi Mohamed confirmed that security forces managed to put an end to the attack, according to the Somali National News Agency.

“It is regrettable that innocent civilians were killed at the scene of the accident,” he added.

Al-Shabab confirmed in a statement that the group took hostages during the siege, including government and security officials.

The attack is the largest in Mogadishu since the election of Somalia’s new president, Hassan Sheikh Mohamud, in May.

Consumer Credit Insurance Market Trends, Competition

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Snap Decision’s victory in the Sheppard is one for the history books

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Snap Decision and Graham Watters won Gr 1 Jonathan Sheppard in Saratoga on Wednesday. ©Tod Marks

By Tod Marks

Showing tactical speed and stamina under handicap conditions, Snap Decision of Bruton Street-US won the $150,000 stakes from Grade 1 Jonathan Sheppard in Saratoga on Wednesday, carrying the most weight to victory in over of a generation.

Not only did the Kentucky-raised son of Hard Spun land his second G1 of the season, he did it with an exclamation mark. Totaling 164 pounds – the most since Lonesome Glory scored under a 166-pound tax in 1995 – Snap Decision, trained by Hall of Famer Jack Fisher, took command of the 2 3/8 mile contest shortly after the start, and never looked back, shooting from 13 1/4 lengths. This tactic showed the versatility of the eight-year-old’s game, as the gelding usually mounts his load against the tide. The victory was all the more impressive considering that Snap Decision gave 11 to 24 pounds to its six rivals.

Saratoga fans realized they were witnessing something special, cheering loudly as jockey Graham Watters got up on the favorite and waved to the crowd halfway through. For Watters, the National Steeplechase Association champion jockey last year, it was remarkably his first victory in Saratoga.

The race started with CJ Irv Naylor, ridden by Barry Foley, taking the lead from the back. But it didn’t take long for Snap Decision to expand four wide and take matters into their own hands. The Chief Justice was seated in second position, with the rest of the pack in pursuit. Throughout the two loops of the course, there was little change in position among the runners. Approaching the final corner, Snap Decision increased their advantage to 10 lengths as the head judge was weary and Going Country rallied under Danny Mullins, who traveled from Europe for the mount, to get up for second place. Redicean, the longest shot from the field at 26-1, finished third. The last time of the race was 4:32.88. Belfast Banter, Song for Someone, Down Royal and Chief Justice completed the order of arrival. Historic Heart has been scratched.

The Sheppard was the fourth trip to the post for Snap Decision in 2022. After finishing second in its seasonal arc at Middleburg, Snap Decision was ready for a big push and delivered in the G1 Iroquois in Nashville in May, by more than seven lengths . . He prepared for the Sheppard with a sharp third in the Colonial Cup, a flat-turf stake at Colonial Downs in Virginia in late July. The victory raised Snap Decision’s career record to 35-13-7-7 with earnings of $822,334.

The story of Snap Decision’s rise has become familiar. Bred by the Phipps family and trained by Shug McGaughey, Snap Decision was stake-graded on the flat before his show jumping career. He made his hurdles debut in 2019 and has won nine straight in two seasons.

After the victory, Fisher told the NYRA press office that his star will likely turn his attention to the G1 Lonesome Glory, also a handicap, at Aqueduct on Sept. 15.

The race replay can be viewed here: https://www.nyra.com/saratoga/racing/replays

Full results can be found here: https://nationalsteeplechase.com/racing/

A Last Meal for the Ages | Smithsonian Voices

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Mosquito fossils from northwestern Montana, such as the recently described species Culisteta kishenehn shown here, reveal that mosquitoes have changed remarkably little over the past 46 million years.
Dale Greenwalt

The National Museum of Natural History is emblematic for its superb prehistoric pieces such as the Nation’s T. rex, the colossal skeleton of Diplodocus or the gaping maw of Megalodon. But one of the museum’s most remarkable fossilized treasures is only a few centimeters long. Just looking at it might make you want to scratch your skin or grab a fly swatter.

The fossil in question is a petrified mosquito imprinted on a slab of shale and displayed under a magnifying glass in the museum hall Wonder Items exposure. Compared to its exhibit companions, which include treasures from the the vast collection of the museum like Marthe, the last passenger pigeon, mammoth fat chunks and original hand-colored illustrations of the legendary John James Audubon birds of americathe mosquito appears quietly banal.

None

One of the most remarkable fossils in the museum – a 46 million year old mosquito with a dark patch of fossilized blood preserved in its abdomen.

Smithsonian Institution

However, a closer look at his guts reveals something remarkable. Stained inside its abdomen, which appears to have been filled with a sharpie, are the remnants of the blood the mosquito washed away 46 million years ago. When it was described by Smithsonian scientists in 2013, it was the first known preserved mosquito fossil with a bloody belly. For world mosquito day on August 20, we thought it was time to shine a light on this groundbreaking fossil.

This discovery seems straight out of Jurassic Park, where scientists are harvesting “Dino DNA” from blood-gorged mosquitoes entombed in chunks of amber. For decades, the very idea of ​​blood fossilization seemed to belong strictly to the realm of science fiction. That is why Dale Greenwalt, a research associate in the museum’s department of paleobiology, knew he might have stumbled upon something special when he first placed the mosquito fossil under the microscope. “I immediately saw the enlarged and darkened abdomen and wondered, ‘Could this be a blood-engorged mosquito?'”

The mosquito fossil is from a stretch of the Flathead River in Montana’s Glacier National Park. While the area is now renowned for its fly fishing, Greenwalt has ventured there for fifteen years, angling a rich assortment of old flies instead.

None

The banks of the Flathead River in northwest Montana are covered in slabs of shale that preserve a rich assortment of fossil insects like wasps, beetles, water bugs, and a multitude of mosquitoes.

Dale Greenwalt

Although this region is now a rugged expanse of prairie and snow-capped mountains, it was a humid mosaic of subtropical forests and wetlands mirroring the Florida Everglades in Eocene times 46 million years ago. With lots of water and heat, this area was a paradise for mosquitoes. Greenwalt discovered several new mosquito species in paper-thin Eocene shale Kishenehn formation which borders the river. Many of these ancient bloodsuckers look almost identical to the mosquitoes buzzing around today.

While the site is iconic for its preservation of tiny insects – intricate features like wing veins, antennae and even color are carved into the rock – fossilized blood this ancient would be a first. So Greenwalt took the dark-bellied mosquito to Tim Rosethe director of the museum’s analytical labs who helps scientists examine everything from ancient artifacts to large chunks of asteroids with heavy-duty scanning electron microscopes.

With the delicate fossil under the scanning microscope, Rose recorded how X-rays were deflected from different parts of the fossil to decipher the molecular makeup. He was specifically looking for which parts of the mosquito contained iron, a key component of red blood cells. “If we have residual blood, there should be higher iron content in the abdomen than in any other part of the mosquito,” Rose said.

X-rays confirmed a spike of iron molecules in the mosquito’s blackened belly. Further tests of the abdomen revealed remnants of hemoglobin, the molecules that give blood its characteristic purple color. “Insects don’t make hemoglobin — it had to come from the mosquito host,” Greenwalt said. They had taken fossilized blood.

None

Smithsonian paleontologist Dale Greenwalt holds the slab of shale containing the first blood-engorged fossilized mosquito ever described.

James DiLoreto

News of their discovery made headlines around the world. “The Jurassic Park connection secured great publicity,” Greenwalt recalls. However, anyone hoping to revamp dinosaurs like T. rex with this mosquito may be a little disappointed. First, the blood is 20 million years too young to come from any of the non-avian dinosaurs that terrorized park visitors on the big screen. There is also no way of knowing what animal blood the mosquito drank before it died. Finally, 46 million years weighed on the quality of the sample, according to Rose. “Only a fragment of blood was found,” Rose said. “There’s no DNA, so you can’t get too excited about that possibility.”

None

The oldest known blood-fed mosquito specimen in the world is of outsized scientific importance despite its small size.

Jack Tamisiea

Greenwalt argues that this makes the fossil no less remarkable. “This preservation is one ‘in a million’ occurrence and is due to the ancient lake’s unique preservation environment,” Greenwald said. All the blood sloshing around inside his abdomen would have caused him to swell like a balloon, making the mosquito incredibly fragile. Even the slightest pressure could cause this blood balloon to burst. Yet the insect fell into the water where it was encased in a sticky algae bloom, sank to the bottom of the pond uncaught by a hungry fish, and was buried with its swollen stomach intact.

Over the years, Greenwalt has collected about 8,000 insect specimens in northwestern Montana, including a few well-fed mosquitoes. “We keep finding new blood-engorged mosquito specimens, many of which are much better preserved than the original,” Greenwalt said. They remain “the only fossil blood-fed mosquitoes known to science”.

Related stories:
The secret life of mosquitoes, the most hated insects in the world
Get to know the scientist in charge of the Smithsonian’s 1.9 million mosquitoes
How Museum Collections Advance Human Health Knowledge
Meet the Scientist Who Knows the Asian Giant Hornet Buzz

David McCullough obituary | history books

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David McCullough, who died at the age of 89, was America’s most popular historian. His books were bestsellers; his biographies of Harry Truman and John Adams have both won Pulitzer Prizes and been picked up for television by HBO. Two other of his books, on the creation of the Panama Canal and the early years of Theodore Roosevelt, won the US National Book Award.

But McCullough was perhaps best known for his voice, as the narrator of documentaries, including Ken Burns’ epic series The Civil War (1990) and the Disney film Seabiscuit (2003), about the sensational racehorse of the 1980s. 1930, and as host of the long -running PBS series American Experience.

The American experience was central to everything McCullough wrote, and his narrating voice, a soft, high-pitched baritone, made him sound like a relaxed teacher telling familiar stories.

In 1998, when he received an honorary degree from his alma mater, Yale University, the citation read: “He gives us images of the American people who live, breathe and above all confront the fundamental questions of courage, success and moral character.

David was born in Pittsburgh, the son of Christian McCullough, president of the McCullough Electric Company, founded by David’s great-grandfather, and Ruth (née Rankin), a leading figure in the Pittsburgh company. David followed his father to Shady Side Academy, Pittsburgh’s fanciest prep school.

He then went to Yale to study English. His teachers included John O’Hara, John Hersey, Robert Penn Warren and, above all, playwright Thornton Wilder, from whom he learned to maintain an “air of freedom” to avoid giving a reader a story; he applied it to his own writing, even though the results of the story are still considered known. He was also a member of the secret society Skull and Bones, many of whose members had a profound influence on history.

At the Rolling Rock country club in Pittsburgh in 1951, he met Rosalee Barnes. After graduating from Yale, they got married. Intended to be a playwright, he worked for Luce magazines, including the brand new Sports Illustrated, then worked for the US Information Agency and finally for American Heritage magazine, then published by Forbes.

His first book came out after he “stumbled” on the story of the Johnstown Flood of 1889, a disaster that struck the steel town an hour east of his own hometown. The Johnstown Flood (1968) garnered excellent reviews, and McCullough decided to become a full-time writer. It took four years before his next book, The Great Bridge, was published; McCullough became so immersed in Washington Roebling, the force behind the construction of the bridge, and one of the many killed in its construction, that he grew a beard exactly like Roebling’s.

He followed five years later with The Path Between the Seas (1977), the story of the Panama Canal, which won the National Book Prize as well as three other major history prizes, including the Francis Parkman. He was an adviser to President Jimmy Carter on the treaty that gave control of the canal to Panama; Carter credited the book with making the treaty possible. Mornings on Horseback followed in 1981, winning its second National Book Award.

David McCullough in 2008 in New York at the premiere of John Adams, the HBO television series based on his Pulitzer-winning biography of America’s second president and starring Paul Giamatti. Photography: Dave Allocca/Starpix/Rex/Shutterstock

By then Burns had acquired the rights to make a documentary based on The Great Bridge; he liked McCullough’s voice so much that he used him as the narrator of Brooklyn Bridge – the first of six PBS documentaries McCullough narrated for Burns, including The Congress (1988), which McCullough also co-wrote, and The Civil War, where the storytelling served as a bridge between the two main interviewees, the house ideas of Shelby Foote’s “Lost Cause” and the more revisionist takes of Barbara Fields. McCullough also narrated The Donner Party (1992), about the group of hapless pioneers whose survivors resorted to cannibalism, for Ric Burns.

His success in storytelling led him to work on the Smithsonian World series, then to host and occasionally narrate American Experience, a total of 48 episodes between 1988 and 2001. He was also an advisor for their programs on Truman and Teddy Roosevelt , and returns in 2022 to tell an episode about the history of jeans.

He worked for 12 years on his biography of Harry Truman, which was published in 1992 and won his first Pulitzer Prize and second Parkman Prize. It was made into an HBO movie, Truman (1995), starring Gary Sinise. It took nearly a decade to research and write John Adams (2001), which also won the Pulitzer, and was turned into a hugely successful HBO miniseries starring Paul Giamatti as the second President of the United States. United.

Both books were huge bestsellers. They dealt with presidents whose own achievements were overshadowed by predecessors who had led the nation through major conflict, and Truman in particular was somewhat criticized for his apparent partisanship for his subject. McCullough followed with 1776, around the year of the Declaration of Independence, an offshoot of his research on Adams. It managed to be comprehensive while telling an instantly recognizable story of American mythos.

His later books were received with less success. The Greater Journey (2011) was more of a collection of stories of Americans transformed by Paris, including some less familiar characters. He returned to determined fighters against nature with The Wright Brothers (2015), the story of their quest to fly.

McCullough had always maintained a publicly neutral political stance, but ahead of the 2016 US presidential election, he made a short video for a Facebook page called Historians on Donald Trump, in which he called the future president “reckless… obviously unprepared.” , unqualified and, it often seems, unbalanced”. This may have influenced his next book, The American Spirit: Who We Are and What We Stand For (2017).

David McCullough receiving the Presidential Medal of Freedom from President George W Bush at the White House, 2006.
David McCullough receiving the Presidential Medal of Freedom from President George W Bush at the White House, 2006. Photography: Pablo Martinez Monsivais/AP

His latest book, The Pioneers (2019), followed in the footsteps of historian Francis Parkman, telling the story of settlers in the Northwest Territories. Like his presidential and 1776 biographies, his focus on the heroism of those who made America was now criticized for, in its romanticism, downplaying the plight of Native Americans. Years earlier, McCullough had commented, “Some people not only want their leaders to have feet of clay, but to be all clay.” It was not his way.

McCullough received the Presidential Medal of Freedom in 2006, and in 2008 was the subject of his own HBO documentary, Painting With Words. In 2012, 16th Street in Pittsburgh was named after him. He was also one of many contributors to the 2016 documentary California Typewriter.

Rosalee died two months before him. He is survived by their daughters, Dorrie and Melissa, and their sons, David Jr, William and Geoffrey.

David Gaub McCullough, historian and writer, born July 7, 1933; passed away on August 7, 2022

This article was last modified on August 18, 2022. As David McCullough’s date of birth indicates, he was 89 when he died, not 93 as an early version stated.

Brett Baty makes Major League debut for Mets history books

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Every once in a while, a prospect is called into the big leagues and all eyes are immediately on them.

It happened with Pete Alonso in 2019, Michel Conforto in 2015, David Wright in 2004 and so on.

The same goes for the third baseman, Brett Batywhom the Mets called up to the majors this week to overcome the injuries of Eduardo Escobar and Luis Guillorme.

Baty, who had a stellar year at Double-A Binghamton and was just promoted to Triple-A Syracuse, probably wouldn’t have made his debut this season had it not been for the sudden opening of the formation of 26 players.

With the Mets in a playoff push and facing division rivals in the Atlanta Braves and Philadelphia Phillies this series and next, followed by the New York Yankees and Los Angeles Dodgers, New York knew that ‘they had to field the best possible team right now.

In his first game as a big leaguer on Wednesday night, Baty hit a two-run home run to right field in his first game at bat, in front of his family and friends, who exploded with excitement.

“Looking up (in the stands) and seeing my family up there celebrating in the dugout with my teammates is just pure joy,” Baty said after the game.

Baty was the first Met to hit a home run in his first game with the team since Mike Jacobs did it in 2005.

It’s a crucial step for the Mets, but according to the manager Buck Showalterthey try not to put extra stress on Baty.

Scroll to continue

“I know this is a great moment in his life and organizationally and fan-wise and so on,” Mets manager Buck Showalter said before the game Wednesday. “We all love to see guys from our own system come here, but the last thing I’m going to do is be someone who makes it even harder.”

Baty says outfielder Brandon Nimmo also spoke to him when called on the same subject.

“Nimmo just pulled me aside and he was like, ‘Hey, man, slow down. It’s going to be quite a big atmosphere, that’s for sure. But we all trust you there. We support you,” Baty said. “That’s what I wanted to hear.

The Mets lead the Braves by 4.5 games in the National League East, with a chance to extend that to 5.5 behind Jacob deGrom on Thursday.

After this tough run of games, the Mets have a favorable September to end the season as they hope to reach the playoffs for the first time since 2016.

Read more:

— What Carlos Carrasco’s injury could mean for the Mets

— How Bobby Bonilla’s infamous contract deferral selling for $180,000 came true

– Is it time for the New York Mets to consider Brett Baty or Mark Vientos?

Follow Rob Piersall on Twitter (@rtpiersall), be sure to bookmark Inside The Mets and check back daily for news, analysis and more.

National Museum of Scotland to meet with First Nations leaders to discuss stolen artifact

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A historic meeting is scheduled between leaders of the Nisga’a Nation of British Columbia, Canada, and the National Museum of Scotland.

Scheduled for Monday, it will be the first meeting between the two sides to discuss the return of the Ni’isjoohl wooden memorial pole which was stolen 93 years ago.

“This will be the first time in living memory that members of House Nis’sjoohl will be able to see the memorial pole with our own eyes,” said Chief Earl Stephens. “This visit will be deeply moving for all of us.”

The totem pole was taken by Canadian anthropologist Marius Barbeau in 1929. He sold it to the National Museum of Scotland 23 years later.

Hand-carved and erected in the 1860s, the cultural treasure tells the story of Ts’wawit, a Nisga’a warrior who was to become chief when he was killed in battle against a neighboring nation.

“The Pole is a priceless asset that our respected hereditary leaders have rightly called a cultural treasure,” said Amy Parent, Canada Research Chair in Indigenous Education and Governance at Simon Fraser University in Vancouver.

“It tells of our home’s relationship to the land and our people. To have it removed is to have removed a piece of our cultural identity and an integral part of our nation’s history.

Like many other totem poles carved in the Nisga’a tradition, this one is meant to hold knowledge in its carvings while serving as a touchstone for the next generation to learn about its history and way of life through the traditions. oral.

The memorial pole was stolen at a time when it was common for settlers and anthropologists to take away the possessions of Canada’s Indigenous peoples to build their collections. Barbeau, a controversial figure who has been heavily criticized for misrepresenting Indigenous peoples, took the pole without the consent of Ni’isjoohl House, one of 50 Nisga’a Nation Houses.

“The UK has voted in favor of the UN Declaration on the Rights of Indigenous Peoples. And it would be a historic and vital act for the implementation of this resolution,” Parent said.

The 2007 UN declaration states that “States should seek to allow access to and/or repatriation of ceremonial objects and human remains in their possession through fair, transparent and effective mechanisms developed in collaboration with indigenous peoples concerned”.

The delegation will consist of three members of the House of Ni’isjoohl — Stephens, Parent and Shawna McKay, as well as other Nation witnesses.

There is no guarantee that the meeting will end with the return of the memorial pole to the House of Ni’isjoohl.

There has been only one instance where a First Nation totem pole has been returned by a European institution. After 15 years of negotiations, the Swedish Museum of Ethnography officially returned the Haisla G’psgolox pole to the Haisla tribe in Canada.

Updated: August 17, 2022, 2:09 PM

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Why are the history books “silent” on the question “Who is responsible for the partition of India…”?

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Lucknow: Harnath Singh Yadav, a member of BJP Rajya Sabha from Uttar Pradesh, asked to include the score Vibhishika Diwas (August 14) in the history books. He also wrote a letter to Prime Minister Narendra Modi about it. Harnath wrote: “In my opinion, information about the world’s most brutal incident should be passed on to present and future generations in India. For this, it is necessary to include the monstrosities of the Partition in the history curriculum and to teach children.

Harnath Singh Yadav also quoted Prime Minister Modi’s statement on partitioning the country in the letter. It is said in this letter: “You said yourself that the pain of the score can never be forgotten. Celebrated on August 14, “Vibhajan Vibhishika Diwas” not only inspires us to remove the poison of discrimination, but also strengthens national unity. Harnath Singh Yadav further wrote that the people of the country should know the background and reason for partition.

He said: “Most of the country’s population was born after independence. Why was the country divided? What is the context of the score? What is the reality of the score? Who was responsible for the score?… These are questions for which the factual literature does not exist to give precise information. It must therefore be included in the curriculum.

Man arrested for threatening to kill Mukesh Ambani, will appear in court today

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The expansion of Nitish’s cabinet, Lalu Yadav’s two sons became ministers…

Good News: Personal Loan Interest Rates Drop for 5-Year Fixed Rate Loans

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Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own.

The latest personal loan interest rate trends from Credible Marketplace, updated weekly. (iStock)

Borrowers with a good credit application personal loans in the past seven days pre-qualified for lower rates for 5-year loans and higher rates for 3-year loans compared to the previous seven days.

For borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender between August 8 and August 14:

  • Rates on 3-year fixed rate loans averaged 11.18%, up slightly from 11.13% the previous seven days and 11.31% a year ago.
  • Rates on 5-year fixed-rate loans averaged 15.33%, down from 15.53% the previous seven days and from 13.82% a year ago.

Personal loans have become a popular means of consolidate and pay off credit card debt and other loans. They can also be used to cover unexpected expenses like medical billstake care of a major purchase or finance home improvement projects.

5-year fixed-rate personal loan rates have fallen nearly a quarter of a point over the past seven days, while 3-year personal loan rates have edged up 0.05%. Despite today’s increases, 3-year personal loan rates are lower than they were a year ago. Borrowers can enjoy interest savings with a 3 or 5 year personal loan now. Both loan terms offer significantly lower interest rates than higher cost borrowing options like credit cards.

Whether a personal loan is right for you often depends on several factors, including the rate you may qualify for. Comparing several lenders and their rates could help you get the best possible personal loan for your needs.

It’s always a good idea to shop around on sites like Credible to understand how much you qualify for and choose the best option for you.

Here are the latest personal loan interest rate trends from the Credible Marketplace, updated monthly.

Personal Loan Weekly Rate Trends

The table above shows the average prequalified rates for borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender.

For the month of July 2022:

  • 3-year personal loan rates averaged 11.04%, down from 11.1% in June.
  • 5-year personal loan rates averaged 13.72%, down from 13.13% in June.

Personal loan rates vary widely depending on credit rating and length of loan. If you’re curious about what type of personal loan rates you might qualify for, you can use an online tool like Credible to compare the options of different private lenders. Checking your rates will not affect your credit score.

All Credible Marketplace lenders offer fixed rate loans at competitive rates. Since lenders use different methods to assess borrowers, it’s a good idea to ask for personal loan rates from multiple lenders so you can compare your options.

Current personal loan rates by credit score

In July, the average prequalified rate retained by borrowers was:

  • 8.34% for borrowers with credit scores of 780 or higher choosing a 3-year loan
  • 29.09% for borrowers with a credit score below 600 who choose a 5-year loan

Depending on factors such as your credit score, the type of personal loan you are looking for, and the repayment term of the loan, the interest rate may differ.

As the chart above shows, a good credit rating can mean a lower interest rate, and rates tend to be higher on loans with fixed interest rates and longer repayment terms.

How to get a lower interest rate

Many factors influence the interest rate a lender can offer you for a personal loan. But there are steps you can take to increase your chances of getting a lower interest rate. Here are some tactics to try.

Increase credit score

Generally, people with higher credit scores qualify for lower interest rates. Steps that can help you improve your credit score over time include:

  • Pay your bills on time. Payment history is the most important factor in your credit score. Pay all your bills on time for the amount owed.
  • Check your credit report. Check your credit report to make sure there are no errors. If you find any errors, dispute them with the credit bureau.
  • Reduce your credit utilization rate. Paying off credit card debt can improve this important credit score factor.
  • Avoid opening new credit accounts. Apply for and open only the credit accounts you really need. Too many serious inquiries on your credit report in a short time could lower your credit score.

Choose a shorter loan term

Personal loan repayment terms can vary from one to several years. Typically, shorter terms come with lower interest rates because the lender’s money is at risk for a shorter period.

If your financial situation allows it, applying for a shorter term could help you get a lower interest rate. Keep in mind that the shorter term doesn’t just benefit the lender – by choosing a shorter repayment term, you’ll pay less interest over the life of the loan.

Get a co-signer

You may be familiar with the concept of a co-signer if you have student loans. If your credit isn’t good enough to qualify for the best personal loan interest rates, find a co-signer with good credit could help you get a lower interest rate.

Remember that if you are unable to repay the loan, your co-signer will have to repay it. And co-signing a loan could also affect their credit score.

Compare rates from different lenders

Before applying for a personal loan, it’s a good idea to shop around and compare offers from several different lenders to get the lowest rates. Online lenders generally offer the most competitive rates and can be quicker to disburse your loan than a physical establishment.

But don’t worry, comparing rates and terms doesn’t have to be a tedious process.

Credible is easy. Simply enter the amount you wish to borrow and you can compare multiple lenders to choose the one that suits you best.

About Credible

Credible is a multi-lender marketplace that allows consumers to discover the financial products best suited to their particular situation. Credible’s integrations with major lenders and credit bureaus allow consumers to quickly compare accurate and personalized loan options without putting their personal information at risk or affecting their credit score. The Credible Marketplace delivers an unparalleled customer experience, as evidenced by over 4,500 positive Trustpilot reviews and a TrustScore of 4.7/5.

Biden appoints NC woman to National Museum and Library

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Allison Perkins served as executive director of the Reynolda House Museum of American Art in Winston-Salem for 16 years.

WINSTON-SALEM, North Carolina — President Biden has named the executive director of the Reynolda House Museum of American Art in Winston-Salem to serve as a member of the board of trustees of national museums and library services.

Allison Perkins served as Executive Director of the Reynolda House Museum of American Art for 16 years.

In 2015, Perkins was appointed Associate Provost at Wake Forest University for Reynolda House and Reynolda Gardens.

Perkins said she was honored to have been one of 11 people appointed to the National Board of Directors.

“I am honored to be appointed to the National Board of Museum and Library Services,” said Perkins. “I firmly believe in the power of museums and libraries to arouse curiosity and the desire to learn. Such community spaces enhance our lives and broaden our horizons, strengthening our ability to understand the wider world. I spent the first half of my career as an art museum educator, and that experience permeates everything I do as a museum and university administrator. My belief in the power of education is deeply rooted in how museums can help people learn, imagine, and discover personal purpose. I am honored by the distinct privilege of being invited to serve on the board of an organization that celebrates the impact of museums and libraries.

Throughout Perkins’ 39-year career, she has been an integral part of several art museums that have received grants from the Institute of Museum and Library Services.

Reynolda becomes a destination for visitors of all ages and backgrounds to experience belonging through peaceful contemplation, play, work and learning. Reynolda’s affiliation with Wake Forest University has evolved through several stages, and the historic property and the school share common ground for the greater good of humanity.

Perkins strives to uphold the institution’s mission of connecting people with the beauty and complexity of American history through the integration of art, nature, and history.

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Perkins Appointed by President Biden to the National Board of Museum and Library Services of the Institute of Museum and Library Services | Company

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Perkins appointed by President Biden to the National Museum and Library Services Commission Institute of Museum and Library Services






Allison Perkins


WINSTON-SALEM, NC (August 12, 2022) – Allison Perkins, executive director of Reynolda House and associate provost of Wake Forest University for Reynolda House and Reynolda Gardens, was named by President Joe Biden to the National Museum and Library Services Board effective today. Perkins is one of 11 professionals appointed to the national board. A White House announcement was circulated today and can be found under the Briefing Room tab at whitehouse.gov.

The National Museum and Library Services Board, established by 20 USC § 9105a, advises the Institute of Museum and Library Services (IMLS) on general policies regarding the duties, powers, and authority of IMLS with respect to museums, libraries and information services, as well as the annual selection of national medal recipients.

“I am honored to be appointed to the National Board of Museum and Library Services,” said Perkins. “I firmly believe in the power of museums and libraries to arouse curiosity and the desire to learn. Such community spaces enhance our lives and broaden our horizons, strengthening our ability to understand the wider world. I spent the first half of my career as an art museum educator, and that experience permeates everything I do as a museum and university administrator. My belief in the power of education is deeply rooted in how museums can help people learn, imagine, and discover personal purpose. I am honored by the distinct privilege of being invited to serve on the board of an organization that celebrates the impact of museums and libraries.

Reynolda has received two IMLS grants, both through the Museums for America program. In 2012, the museum received $137,698 for a website redesign, which included revamping opportunities for digital engagement with its visitors. Reynolda also received $143,530 in 2016 to develop a free downloadable mobile audio-visual tour, Reynolda Revealed, to allow visitors to engage with the stories conveyed by its grounds, art collection, and archives.

“Throughout my 39-year career, I have worked for several art museums that have received grants from IMLS that have been crucial in helping the institutions fulfill their mission,” Perkins said. “Reynolda is no exception. I am proud of the critical funding Reynolda has received from IMLS, enabling us to achieve strategic goals.

“Congratulations to Allison Perkins on this nomination. It is a true testament to her exceptional and distinguished career in art museums,” said Dr. Susan R. Wente, President of Wake Forest University. “She is a strong and innovative leader who came to Reynolda 16 years ago. Under her leadership, the museum has increased its visibility nationally, bringing more attention to its impressive collection of American art and engaging diverse audiences through the expansion of its programs and educational opportunities.She brings her vast knowledge and experience to the National Museum and Library Services Board.Her appointment also speaks to the national significance of the Reynolda House Museum of American Art.

A fiery leader and gracious steward of the art, Perkins joined the staff of the Reynolda House Museum of American Art in Winston-Salem, North Carolina, as executive director in 2006. She was named associate vice president of the Wake Forest University for Reynolda House and Reynolda Gardens in 2015. Reynolda is becoming a unified destination for visitors of all ages and backgrounds to experience a sense of belonging through peaceful contemplation, play, work and learning. Each year, more than 180,000 visitors from North Carolina and beyond visit the historic 1917 estate, which includes the acclaimed art museum, formal gardens and public grounds. Reynolda’s affiliation with Wake Forest University has grown in several stages, and the historic property and school share a foundation in the humanities for the common good. Perkins considers herself an advocate for the public, and in her role at Reynolda, she supports the institution’s mission to connect people to the beauty and complexity of American history through the integration of art, of nature and history.

Perkins spent the first half of his career teaching art museums. Prior to joining Reynolda, she was assistant director of education and interpretation at the Baltimore Museum of Art, leaving her former position as director of education at the Amon Carter Museum of American Art, Fort Worth. Perkins received a Bachelor of Arts in Art History from Lake Forest College and completed graduate studies in Art History at the University of Chicago. She is a graduate of the Getty Leadership Institute, an executive education program for senior museum managers.

About the Institute of Museum and Library Services

The Institute of Museum and Library Services is the primary source of federal support for libraries and museums nationwide. We advance, support, and empower America’s museums, libraries, and related organizations through grantmaking, research, and policy development. IMLS envisions a nation where individuals and communities have access to museums and libraries to learn and be inspired by the trusted information, ideas, and stories they contain about our diverse natural and cultural heritage. To learn more, visit imls.gov and follow us on Facebook and Twitter.

About Reynolda

Reynolda is located on 170 acres in Winston-Salem, North Carolina and includes Reynolda House Museum of American Art, Reynolda Gardens, and Reynolda Village Shops and Restaurants. The Museum presents a renowned art collection in an incomparable historic setting: the original 1917 interiors of the 34,000 square foot home of Katharine and RJ Reynolds. Its collection is a timeline of American art, and featured exhibits are offered in the museum’s Babcock Wing gallery and in the rooms of the historic house. The gardens serve as a 134-acre outdoor horticultural oasis open to the public year-round, with colorful formal gardens, nature trails and a greenhouse. In the Village, the estate’s historic buildings now house a vibrant mix of boutiques, restaurants, businesses and services. Plan your visit to reynolda.org and use the free Reynolda Revealed mobile app to tour the estate.

Heartland Forward Hosts a LEGO Storybook Camp

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Picture KOAM

JOPLIN, Mo. – Young people from all 4 states gathered today at the historic Columbian Block building in Joplin to learn a bit about history and express their creativity.

For the past 130 years, the building has housed businesses such as:

  • mining offices
  • legal practices
  • home furnishings
  • showrooms
  • Kassab clothes for women

Today, attendees gathered at the Landmark Build camp to tour the building and then recreated rooms and areas from space using legos.

“Landmark Builds emerged from related market gaps that I witnessed,” said Lisa Nelson, Founder. “Local history is not taught in school and many people don’t know about community landmarks. At the same time, STEM jobs are among the fastest growing industries today, and we need more programs to get students interested in these careers. LEGO designs and builds are a flexible and creative way to marry local history and STEM principles.

Click here to find out more.

3-year loans are still lower than this time last year

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Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders, all opinions are our own.

The latest personal loan interest rate trends from Credible Marketplace, updated weekly. (Stock)

Borrowers with a good credit application personal loans in the last seven days pre-qualified for higher rates for 3 and 5 year loans compared to the previous seven days.

For borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender between August 4 and August 10:

  • Rates on 3-year fixed rate loans averaged 11.17%, down from 10.75% the previous seven days and from 11.31% a year ago.
  • Rates on 5-year fixed-rate loans averaged 15.55%, down from 14.99% the previous seven days and from 13.82% a year ago.

Personal loans have become a popular means of consolidate and pay off credit card debt and other loans. They can also be used to cover unexpected expenses like medical billstake care of a major purchase or finance home improvement projects.

Rates on 3- and 5-year fixed rate personal loans have increased over the past seven days, with rates on 3-year terms increasing by 0.42% and rates on 5-year terms increasing by 0.56%. Despite the increases, 3-year personal loan rates are lower than they were a year ago. Borrowers can enjoy interest savings now with a 3-year personal loan. However, both loan terms offer significantly lower interest rates than higher cost borrowing options like credit cards.

Whether a personal loan is right for you often depends on several factors, including the rate you may qualify for. Comparing several lenders and their rates could help you get the best possible personal loan for your needs.

It’s always a good idea to comparison store on sites like Credible to understand how much you qualify for and choose the best option for you.

Here are the latest personal loan interest rate trends from the Credible Marketplace, updated monthly.

Personal Loan Weekly Rate Trends

4cc23078-Credible-personal-loans.jpg

The table above shows the average prequalified rates for borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender.

For the month of July 2022:

  • 3-year personal loan rates averaged 11.04%, down from 11.1% in June.
  • 5-year personal loan rates averaged 13.72%, down from 13.13% in June.

Personal loan rates vary widely depending on credit rating and length of loan. If you’re curious about what type of personal loan rates you might qualify for, you can use an online tool like Credible to compare the options of different private lenders. Checking your rates will not affect your credit score.

All Credible Marketplace lenders offer fixed rate loans at competitive rates. Since lenders use different methods to assess borrowers, it’s a good idea to ask for personal loan rates from multiple lenders so you can compare your options.

Current personal loan rates by credit score

august-11-bar-chart-credible.jpg

In July, the average prequalified rate retained by borrowers was:

  • 8.34% for borrowers with credit scores of 780 or higher choosing a 3-year loan
  • 29.09% for borrowers with a credit score below 600 who choose a 5-year loan

Depending on factors such as your credit score, the type of personal loan you are looking for, and the repayment term of the loan, the interest rate may differ.

As the table above shows, a good credit rating can mean a lower interest rate, and rates tend to be higher on loans with fixed interest rates and longer repayment terms.

How to get a lower interest rate

Many factors influence the interest rate a lender can offer you for a personal loan. But there are steps you can take to increase your chances of getting a lower interest rate. Here are some tactics to try.

Increase credit score

Generally, people with higher credit scores qualify for lower interest rates. Steps that can help you improve your credit score over time include:

  • Pay your bills on time. Payment history is the most important factor in your credit score. Pay all your bills on time for the amount owed.
  • Check your credit report. Check your credit report to make sure there are no errors. If you find any errors, dispute them with the credit bureau.
  • Reduce your credit utilization rate. Paying off credit card debt can improve this important credit score factor.
  • Avoid opening new credit accounts. Apply for and open only the credit accounts you really need. Too many serious inquiries on your credit report in a short time could lower your credit score.

Choose a shorter loan term

Personal loan repayment terms can vary from one to several years. Typically, shorter terms come with lower interest rates because the lender’s money is at risk for a shorter period.

If your financial situation allows it, applying for a shorter term could help you get a lower interest rate. Keep in mind that the shorter term doesn’t just benefit the lender – by choosing a shorter repayment term, you’ll pay less interest over the life of the loan.

Get a co-signer

You may be familiar with the concept of a co-signer if you have student loans. If your credit isn’t good enough to qualify for the best personal loan interest rates, find a co-signer with good credit could help you get a lower interest rate.

Remember that if you are unable to repay the loan, your co-signer will have to repay it. And co-signing a loan could also affect their credit score.

Compare rates from different lenders

Before applying for a personal loan, it’s a good idea to shop around and compare offers from several different lenders to get the lowest rates. Online lenders generally offer the most competitive rates and can be quicker to disburse your loan than a physical establishment.

But don’t worry, comparing rates and terms doesn’t have to be a tedious process.

Credible is easy. Simply enter the amount you wish to borrow and you can compare multiple lenders to choose the one that suits you best.

About Credible

Credible is a multi-lender marketplace that allows consumers to discover the financial products best suited to their particular situation. Credible’s integrations with major lenders and credit bureaus allow consumers to quickly compare accurate and personalized loan options without putting their personal information at risk or affecting their credit score. The Credible Marketplace delivers an unparalleled customer experience, as evidenced by over 4,500 positive Trustpilot reviews and a TrustScore of 4.7/5.

The National Museum of Women in the Arts Hosts a Virtual Conversation with Graphic Novelist Robin Ha

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Graphic novelist Robin Ha makes it easy to cook complex recipes. Which started with expressing her passion for cooking by posting a weekly recipe comic about her tumblr blog became a New York Times best-selling graphic novel cookbook.

Ha discussed her stories, novels, and creative process during NMWA xChangea free virtual conference that dives deep into the creative processes and journeys of artists.

In his first graphic novel,Cook Korean! A comic book with recipesthe brightly colored ingredients seem to jump off the page and encourage readers to cook Ha’s family recipes highlighted in the novel.

“I realized that cooking could be kind of like another method to express my creativity and nourish myself,” Ha said. The cookbook also includes stories, geography and history showing that a cookbook can be educational and interactive.

Ha immigrated to the United States at age 14 from Seoul, South Korea. Her second graphic novel is a memoir titled “Almost American Girl.” The novel reflects Ha’s own story of immigrating to the United States as a teenager with her mother. Both of Ha’s graphic novels are featured in the NMWA Libraries.

Ha first discovered the world of comics in Seoul. Her mother was a hairdresser and often sent her to art school as a child. She taught her to read comics when she was very young. While her mother was working in the mall, Ha would go to comic book rental stores and spend hours reading comic books.

“I completely fell in love with it, so I couldn’t think of anything else to do with my life but read and draw comics,” Ha said.

Although “Almost American Girl” is a memoir, one of the novel’s main tropes puts a spin on a superhero story. Ha draws herself as a superhero throughout the novel and even had a classic hero moment where she chose a new name.

Ha never liked his birth name; in Korea, it was considered “old fashioned” and she made fun of her name in school. After moving to the United States, she used an old school yearbook to choose a new name. “I did eenie meenie meenie mo because I didn’t know which one to choose,” Ha said.

As a teenager, she felt like the “main character in a comic book” because of the excitement of moving to a new place. Featuring a superhero protagonist may reflect the true bravery people show when moving to a new country without knowing the language or culture.

“I wanted people to have hope, in general, you know, I remember feeling really hopeless at that age. I think people reading, especially if they’re teenagers going through a similar experience, I want them to know things are going to get better,” Ha said.

Ha’s next graphic novel takes a new direction. With a working title, “fox girls“, it contains fantasy, action, thriller and romance. The main character is loosely based on the popular Korean folklore character Gumiho, but takes a new twist on a common character.

Ha thinks most romances with a woman end the same way and I wanted to write and draw something more relevant.

“I wanted to show how this character goes through his environment and how he ends up, not with everything he hopes to have, but still making sense of his identity and his life and still finding some kind of happiness in it. Because that’s what I struggle with. I’m sure that’s what everyone is struggling with. Right?” Ha said.

[email protected]


More from The Eagle

Top 10 books about women written outside of history | history books

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Hhow we “make” history changes. For centuries, historians have looked for the few, the privileged, the “winners”. But as millions tune in to A House Through Time and Who Do You Think You Are?, these social and alternative histories (including women’s histories) that had been pushed aside breathe new life into the way we we engage with the past. We can’t be what we can’t see, and many of us look for aspects of ourselves in what has gone before. History becomes a richer subject now that people who were ignored or written off are reinstated. It’s not just about dates and data – a historian can be a detective looking for human stories from the past.

Historians have found their work on documents and artifacts. But they also search for people from the past through the words, rituals, songs, artworks, buildings and music they left behind. Finding lost women requires a different set of tools and techniques. Today, we can all access archives, have our DNA examined, trace our genealogies and conduct global searches with the click of a mouse. Breakthroughs in archaeology, with the help of technology and science, bring us a rich and complete cast of people who lived before us. Women have always made up half of the world’s population. Framing them can allow us to think differently about the past.

In writing Femina, I wanted to show a version of the medieval world as rich and diverse as our present, full of fascinating characters that defy assumptions. Not just mothers and wives, these medieval women were spies, writers, scientists, entrepreneurs, and warriors – all words commonly associated with men. My approach sets the frame on lost women to expose wider societies and attract others who have also been overlooked. Here are 10 books that pushed the boundaries of history as a discipline and put women back in the spotlight:

1. The Five: The Untold Lives of the Women Killed by Jack the Ripper by Hallie Rubenhold
This book has done more for women’s history than almost any other. Rather than continuing to fetishize the murderer, Hallie presents the stories of the victims. By immersing readers in the social conditions experienced by women, the five have contexts other than being labeled “prostitutes.” This book also affected the true crime genre, where more writers focus on victims rather than perpetrators.

2. River Kings: Vikings from Scandinavia to the Silk Roads by Cat Jarman
Archeology has always sought the many rather than the few, so it is the natural companion to more inclusive historical approaches. It’s easy to assume that everyone in the Middle Ages, especially women, lived and died near their local parish church. But many have traveled great distances and engaged with cultures thousands of miles away, as this book reveals.

3. Medieval Women: Village Life in the Middle Ages by Ann Baer
When asked which historical person they would have been, the majority of people choose a ruler or wealthy person. However, most of us would have lived a life more like that of the protagonist of this book – Marion. By following a poor woman for a year, the reader gets insight into larger issues, including natural disasters and the plague. Yet it’s the almost accidental moments that provide real insights into daily life in medieval times.

4. The Voices of Nîmes: women, sex and marriage in Reform Languedoc by Suzannah Lipscomb
For anyone tracking down the elusive female voice in history, it’s unfortunate that so much is written on, rather than giving their own accounts. By looting the archives of the consistories – or “moral courts” – of the Huguenot church in Languedoc between 1561 and 1615, this book puts together the pieces of the puzzle and reveals how medieval women understood friendship, spirituality and female power.

Suffragist Kitty Marion was arrested for heckling David Lloyd George in 1912. Photography: Museum of London

5. Death in Ten Minutes: The Forgotten Life of Radical Suffragette Kitty Marion by Fern Riddell
The death of suffragette Emily Wilding Davison at the Epsom Derby in 1913 has become familiar. She was a fascinating woman who fought for equal rights, but it was Death in Ten Minutes that really showed me just how radical the actions of the early suffragettes were. This book reveals the dangerous acts women have taken in desperate attempts to win the vote. By looting Kitty’s diaries, Riddell placed this woman at the center of his own narrative.

6. Medieval Women: Social History of Women in England 450-1500 by Henrietta Leyser
Now is the time for the social historian. We want to know who walked where we walk, what they went through and how they made history. This book is unprecedented in its scope – spanning centuries and including all manner of evidence, from poetry to private filings. Leyser deals with individually notable women, such as Alice de la Pole and Julian of Norwich, but uses them to explore broader issues that affected women’s lives, such as trade, work, and education.

7. The Taxidermist’s Daughter by Kate Mosse
When I was young, historical fiction was the main way for me to connect with the stories of women from the past, and Mosse is at the forefront of the genre. I love all of her books, but this one is the most powerful for me because of the way she positions her protagonist Constantia in a complex and believable Sussex village over a century ago. You can see, smell, touch and taste the past. The backdrop to taxidermy is also fascinating, as it is an art form that attempts to capture time and preserve the afterlife.

8. The Book of Memory: A Study of Memory in Medieval Culture by Mary Carruthers
Today we tend to consider ourselves intellectually advanced due to the great developments in science and technology. But this book shows how brilliant the minds of the medieval world could be. Through techniques of rumination and meditation, practiced by both men and women, the memories of those who lived a millennium ago have retained vast amounts of information in a way that our modern minds cannot because we are so dependent on writing.

9. Valkyrie: Women of the Viking World by Jóhanna Katrín Friõiksdóttir
We would not attempt to describe what it is like to be alive today based solely on news reports. We would personalize and fill our account with music, movies, food, fashion and more. That’s what an interdisciplinary historian tries to do: bring an era to life by combining all types of evidence. Valkyrie includes Old Norse poetry alongside archaeological finds and painted runestones to show how varied and fascinating the experiences of women in the Viking world were.

10. Margery Kempe’s book (edited by Barry Windeat)
The last word must go to a real woman in the story. This book is a fortuitous survivor, a medieval manuscript buried in a cupboard and rediscovered in the 1930s. crazy woman”. Yet, within its pages, a remarkable person emerges. Margery tells us about the problems with medieval package holidays, caring for her sick husband and her burning desire for sex. The text is over 600 years old, but when you read it, you feel like Margery is alive and sitting next to you.

Femina: A New History of the Middle Ages through Women written by Janina Ramirez is published by WH Allen. To help the Guardian and the Observer, order your copy from guardianbookshop.com. Delivery charges may apply.

Personal loan vs personal line of credit | Personal loans and advice

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Sometimes you could use a little more money. Maybe you need help with moving costs or buy yourself a new set of wheels. Or maybe you just want to consolidate your debts into one easy-to-manage place.

If you need funds, a personal loan or personal line of credit may be a good option. Although they have similarities, they are distinct products with advantages and disadvantages. It is important to understand how these products work before applying them.

Personal loan vs personal line of credit

A personal loan provides a lump sum that you can use immediately and then repay in fixed installments over a set period of time. A personal line of credit is a form of revolving credit that works much like a credit card. You are generally able to access funds up to a limit during the loan drawdown period, and you must repay any amount you borrow with at least minimum monthly payments.

Both types of debt are generally unsecured, meaning they are not backed by collateral such as a house or car. There are other key similarities and differences between personal lines of credit and personal loans in how you can access each and ultimately repay each.

How to apply for a personal loan or personal line of credit

The application processes for personal loans and personal lines of credit are similar.

“You will go through a relatively standard application process online or via a paper application, and depending on the provider, you will most likely be required to provide verification of income with a W-2 and/or pay stubs,” says Ted Braun. , vice-president. and Financial Advisor at Wealth Enhancement Group.

You can often prequalify for a personal loan or line of credit with just a soft credit application, but a rigorous credit check will be required once you’ve processed your application.

Rigorous credit checks can lower your credit score by up to five points, but keep in mind that credit inquiries for the same type of loan will be counted as one if you do your rate research within a short period of time. of time.

How to qualify for a personal loan or personal line of credit

There are some common factors you should expect lenders to consider if you are applying for a personal loan or line of credit.

“Credit score, income and the amount you’re looking to borrow will all determine the likelihood of you receiving a loan or line of credit,” says Brandon Ashton, director of retirement security at Cornerstone Financial Services. “A lender may also want to know your debt-to-equity ratio, your recurring monthly debt, whether you rent or own your primary residence, and how long you’ve been with your employer.”

You will generally need at least good credit to qualify for a personal line of credit. This means a credit score of 670 or higher.

In the meantime, you may be able to get a personal loan with fair or poor credit, but at lower rates. If you have bad credit or no credit history, you may need to get a co-signer for a personal loan, Ashton says.

Use and repayment of personal loans and personal lines of credit

Where personal loans and personal lines of credit really start to differ is in how you receive the funds and repay them. As mentioned, personal loans provide a lump sum, while you can choose how much to borrow on a personal line of credit, up to a limit.

Paying off a personal line of credit is much like paying off your credit card balance. “You borrow money as needed and make at least the minimum monthly payments each month,” says Daniel Rodriguez, chief operating officer at Hill Wealth Strategies. This means you won’t owe anything on your line of credit until you start using it.

With a personal loan, on the other hand, you will receive the full amount of the loan up front and then repay it in fixed installments over a predetermined period of time. “This allows for a steady cadence of payments and a more structured way to repay the loan,” says TJ Duffy, head of personal loans at TD Bank.

Generally, personal loans will have fixed interest rates, while personal lines of credit will have variable rates. This means that monthly payments on a line of credit will vary depending on factors such as how long you want to take to repay the amount borrowed and changes in interest rates during that time, Duffy says.

“Personal lines of credit generally have higher interest rates because the lender is assuming greater risk,” Rodriguez explains.

Make sure you understand terms such as the length of the drawdown period, or how long you’ll have to access the funds, before accepting a personal line of credit, Braun says. “At the end of the drawdown period, the line will be amortized into a fixed rate loan with a clearly defined repayment period.”

Repayment requirements and the length of the recovery period may vary, so check the terms of your line of credit. You also want to confirm any interest rate caps or lack thereof, Braun says.

How to choose between a personal loan and a personal line of credit

You can use a personal loan or personal line of credit for a variety of reasons. Either can be used to consolidate debt, pay for a wedding, fund home improvement projects or vacations, or even cover short-term emergencies, Ashton says. That said, each has uses it is best suited for.

“A personal loan is typically used when you have a specific need and know the loan amount in advance,” says Duffy. “The advantage would be a fixed payment with a fixed rate over a fixed period of time,” which makes budgeting much easier.

You can also use personal loans to consolidate higher interest rate debt into one fixed monthly payment.

“Let’s say, for example, that you’ve run up a few credit card balances and potentially have a car loan that’s coming to an end with a high payment,” Braun says. “You could use the personal loan to pay them off and end up with a lower monthly payment.”

Braun cautions against entering what he calls a “reload cycle” where you consolidate debt into a personal loan and then make more purchases on your credit cards. “It can be a vicious cycle to break once you get into it,” he says.

Personal loans can be particularly advantageous because interest rates are rising by allowing you to lock in a fixed rate, says Duffy.

In the meantime, a personal line of credit may be preferable if you’re not sure how much you’ll ultimately need to borrow.

“A line of credit provides consumers with the ability to access cash for unexpected events or when funds will be needed over an extended period, such as for an extended home improvement project,” Duffy said.

Braun says personal lines of credit are most useful in what-if scenarios, when you know you’ll need more money than you have, but don’t know how much more. “A personal line allows for flexibility when you’re unsure of how much you might need,” he says.

Preparing for success with either product means understanding the terms and making sure you’ll be able to pay off the debt on time.

David McCullough, Pulitzer-winning historian, dies at 89 | history books

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David McCullough, the Pulitzer Prize-winning author whose lovingly written accounts on subjects ranging from New York’s Brooklyn Bridge to US Presidents John Adams and Harry Truman have made him one of America’s most popular and influential historians of his time, died. He was 89 years old.

McCullough died Sunday in Hingham, Massachusetts, according to his publisher, Simon & Schuster. He died less than two months after his beloved wife, Rosalee.

“David McCullough was a national treasure. His books have brought history to life for millions of readers. Through his biographies he dramatically illustrated the most ennobling parts of the American character,” Simon & Schuster chief executive Jonathan Karp said in a statement.

A cheerful and tireless student of the past, McCullough has dedicated himself to sharing his own passion for history with the general public.

He saw himself as an ordinary man with a lifelong curiosity and the ability to talk about the topics that mattered most to him. His fascination with architecture and construction inspired his early work on the Panama Canal and the Brooklyn Bridge, while his admiration for leaders he believed to be good men drew him to Adams and Truman.

Aged 70-80, he satisfied his affection for Paris with the release of 2011 The Greater Journey and for aviation with a bestseller on the Wright brothers released in 2015.

Beyond his books, the distinctive white-haired McCullough has had perhaps the most recognizable presence of any historian, his fatherly baritone known to fans of PBS’s The American Experience and Ken’s epic Civil War documentary. Burns.

Hamilton author Ron Chernow once called McCullough “both the name and the voice of American history“.

McCullough’s celebrations of America’s past have also led to the harshest criticism of him – that affection too easily turned into romanticism. His 2019 book, The Pioneers, has been accused of downplaying the atrocities committed against Native Americans as 19th-century settlers moved west. In earlier works he has been accused of avoiding the harshest truths about Truman, Adams and others and of placing storytelling above analysis.

“McCullough’s specific contribution has been to treat large-scale historical biography as another kind of viewer appreciation, an exercise in character recognition, a reliable source of edification and pleasurable upliftment,” wrote Sean Wilentz. in The New Republic in 2001.

Interviewed the same year by The Associated Press, McCullough responded to criticism that he was too soft by saying that “some people not only want their leaders to have feet of clay, but to be all clay.”

McCullough received the National Book Award for The Path Between the Seas, about the construction of the Panama Canal; and for Mornings on Horseback, a biography of Theodore Roosevelt; and Pulitzers for Truman in 1992 and for John Adams in 2002.

The Great Bridge, a lengthy exploration of the construction of the Brooklyn Bridge, was ranked 48th on the Modern Library’s list of the 100 best non-fiction works of the 20th century and is still widely regarded as the definitive text of the great 19th century project. .

Debbie Green 5K in the History Books | News, Sports, Jobs

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picture by: Seth Stakey

Reuben Mosip breaks the finish line ribbon as the men’s champion of the 25th and final Debbie Green Memorial 5K held Sunday morning in Wheeling.

WHEELING – As much as he stressed the field of more than 700 runners and walkers to enjoy the day on Sunday, Ron Green struggled, himself, to fight the emotions.

Green – the founder and race director of the annual Debbie Green Memorial 5K – called the 25th and final episode of the race, which is named after her older sister who died of leukemia, “very bittersweet”.

“To end this race is the hardest decision I’ve ever made in my life,” Green said as he stood along the course watching and rooting for crowds of runners and walkers. “I had a goal of 25 years. I’ve been re-evaluating (this race) for a long time and just want to spend more time with my family.

The Debbie Green 5K became the region’s premier 5K race simply because of Green’s desire and passion. And these traits were not driven by the number of entries. They were motivated by the fact that more entries mean more opportunities to help children battling cancer in the Ohio Valley.

“This race has been a big part of my life,” Green said. “I think going out on top is a great way to go out. When I say top I mean the race is very healthy, the finances are good and everything is good with the sponsors. I never wanted to see this race deteriorate.

Green may have to stop in about a week when he begins the process of kicking off planning for the 2023 race each year.

“It’s going to be an adjustment for me, but I know my wife and kids will help me out,” Green said. “In my heart, I know I’m ready.”

Green also saluted his race committee, which includes co-director Terry Whitecotton, who held up a ceremonial t-shirt during the race that highlighted that he started and completed all 25 Debbie Green 5Ks.

As Green buzzed around the course to make sure all the details were taken care of before the honking of the 9 a.m. horn, it took him a few minutes to figure it all out.

“My mother always said, ‘Debbie would never let the rain’ and it has never rained on the run in 25 years,” Green said, pushing back her emotions. “Everyone comes out and participates in this race to honor my sister and help these children in the valley. I don’t want people coming here to see me. I just want them to think of my sister and those kids.

picture by: Seth Stakey

Mary Munanu wins the Debbie Green Women’s 5K title on Sunday.

As the Debbie Green 5K grew from just a local race in Benwood to more of one with national fame, the peloton was more than locals. This was again the case for the final 3.1 miles as a pair of Kenyans, who are now based in Michigan, Reuben Mosip and Mary Munanu were the male and female winners respectively.

For Mosip, who ran a sizzling 14:18, it was his first time running the event and indeed his first time running a 5K on the road.

“I came to this race because I wanted to know my (personal best) time in a 5k road race,” Mosip said. “I’m usually a track guy, but I’m moving into more road racing. I’m happy with the time and now I can focus on my improvement.

As for Munanu, she etched her name in history as a repeat winner of Debbie Green. She won the title a year ago, when the race was held in the fall, and added the last title with a 15:49. This time actually earned him fourth place overall in the field.

“It was my favorite 5k race and it’s a really nice event so I decided to come back,” Munanu said. “I had hoped to set the course record, but I couldn’t do it. It was just a little too hot.

Sandwiched between Mosip and Munanu were two other Kenyan runners – Peter Lomong and Alexander Lomong – who finished second and third respectively.

The first American-born finisher was Caleb Keller, who ran 15:57 to finish fifth. The first runner in the zone was Brenden Sands. The 21-year-old, who runs at West Liberty and won the Ogden Half Marathon in May, finished seventh in 16:19. One place – and two seconds – behind Sands was recent John Marshall graduate Mack Allen, who finished eighth in 16:21.

The first male from eastern Ohio was Brody Cermak. The Dillonvale resident posted a 16:27 to finish 10th.

picture by: Seth Stakey

Former Oak Glen runner Kelsey Chambers races to a third-place finish, overall, in Sunday’s Debbie Green Memorial 5K.

A pair of former area stars were among the top women. Oak Glen graduate Kelsey Chambers, who raced at Wheeling Jesuit, was the top woman in the region, placing 19th in 19:08. One spot and three seconds behind her was Union Local graduate Hannah Kemp, who is currently enjoying a successful racing career at West Liberty. She posted a 19:11.

The 5k walk title went to Carl Kondrach of Barnesville, who won the green title for the third time. He was a winner on foot, running the course in 29:07, more than seven minutes better than the next man, who was Daniel Stewart of Wheeling, and nearly three minutes ahead of women’s champion Lauren Ritz of Wheeling.

“There’s normally great competition here, but a couple of my rivals didn’t show up (Sunday) which left the door open for me to win,” Kondrach said. “I’m still looking forward to this event, and I’m happy for Ronnie and the community who came out for a nice farewell for him. It’s hard to see this (race) end because it’s such a good thing. for the city and of course for the children.



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Aaron Judge sets the record straight on Barry Bonds, home run record hunt

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Aaron Judge of the New York Yankees is poised to make his name as a homer this season. With just under two months remaining in the MLB regular season, Judge has already hit 43 homers this season, and he doesn’t seem to be slowing down anytime soon. As Judge continues to hit bombs every night, many have begun to wonder how many home runs Judge will finish with this season.

As Judge continues his quest for home run immortality, he was asked his opinion on the single-season home run record, which is currently held by Barry Bonds at 73. The problem is, many don’t know at how seriously they can take it. record given Bonds’ ties to steroid use. When asked whether or not he considers Bonds’ file to be legit, Judge gave a simple answer:

“But I see the one Bonds set as a record. That’s what’s in the history books. This is the one I have to stay away from. –Aaron Judge, St. Louis Post Dispatch

Whether Judge can beat or even reach Bonds’ record remains to be seen. He should have an even bigger run than he started this season, and that may not happen very likely.

Instead, Judge has a better chance of breaking the American League single-season home run record set by Roger Maris at 61. Some consider Maris’ 61 homers to be the true record given that he had no steroids tainting his legacy.

But not judge. Aaron Judge has set his sights on Barry Bonds record 73, and while he’s not increasingly likely to hit his record this season, he seems determined to continue chasing his record in seasons to come. .

Nott rewrites the history books on the Badwater 135 course | Sports

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WHITNEY PORTAL, CALIF. – Todd Nott wrote a long list of accomplishments with his racing abilities throughout his time at Plattsmouth.

He wrote a feat for the history books in mid-July by conquering one of the toughest courses in the world.

Nott, 58, became the oldest runner to complete the Badwater 135 ultramarathon in under 30 hours. The Plattsmouth resident completed the 135-mile course from Death Valley to the Mount Whitney trailhead in 29 hours, 43 minutes, 44 seconds. Race officials gave him a standing ovation as he crossed the finish line under the night stars.

Nott said he was motivated to run well in order to honor his late sister Jill Watson. She died aged 52 last July after a battle with cancer.

“I wanted to perform better in honor of my sister who I lost to cancer the day after last year’s Badwater 135,” Nott said. “Last year extreme swelling in both feet, ankles and calves forced me to walk with ‘clubfoot’ for the last 40 kilometres. I knew I could improve and I had a goal. ambitious to beat 30 hours.

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Fewer than 2,000 people worldwide have completed the Badwater 135 since the first race over 30 years ago. The ultramarathon begins at Badwater Basin in Death Valley National Park and ends at the Mount Whitney Trailhead in California.

Riders follow a route that includes portions of a desert and three mountain ranges. There is a total of 14,600 feet of cumulative vertical ascent and 6,100 feet of cumulative descent. They pass through checkpoints with names such as Furnace Creek, Salt Creek and Stovepipe Wells with the aim of completing the race in less than 48 hours.

Along with the length, runners also have to contend with some of the hottest temperatures in the United States. The high temperature in Death Valley on July 11 – the first day of the event – reached 122 degrees. Highs on July 12 and 13 were 123 and 122 degrees with overnight lows in the upper 90s.

Nott raced his first Badwater 135 last summer and crossed the finish line in 33 hours, 1 minute, 28 seconds. He decided to see if he could run the ultramarathon for the second time this year, and race officials accepted his application for one of the wanted spots.

Nott continued his training at Plattsmouth throughout the year and felt confident of his chances when he reached the starting line. He said his support team cheered him on every mile of the endurance run.

“My team of Jodi Semonell, Amanda Wilson and Brian Petersen were amazing in helping me achieve my goal!” Nott said.

Nott placed eighth in a field that included 94 people. Athletes in this year’s race came from the United States, Australia, Brazil, Canada, Cayman Islands, Czech Republic, Costa Rica, Denmark, Finland, Greece, India, from Ireland, Japan, Mexico, the Philippines, Poland, Portugal, South Korea and Spain. , Sweden, United Kingdom, Venezuela and the Navajo Nation.

The 32 women and 62 men represented 28 states and ranged in age from 31 to 77. Several of the athletes were teachers and coaches like Nott, but the professions of the other runners ranged from financial advisers to lawyers to orthodontists.

Japanese resident Yoshihiko Ishikawa, 34, won the championship in 23:08:20. Spanish resident Ivan Penalba Lopez, 31, was second in 24:02:57 and Utah resident Ashley Paulson, 40, was third in 24:09:34.

Nott covered the first 17.5 miles of his race in 2 hours and 53 minutes. He reached the 108 mile mark in 22:21:00 and passed the Lone Pine checkpoint in 25:47:00. He covered the last 20.3 kilometers of mountainous terrain in less than four hours.

Nott became one of ten people aged 50 or over to complete the course in less than 30 hours. He also became the oldest runner to do so. Grant Maughan, from New South Wales, Australia, was 55 when he crossed the finish line in 28:30:33 in the 2019 race.

Renovation of the National Museum

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Editorial



National Museum and Art Gallery of Port of Spain. – Stock photo”/>
The National Museum and Art Gallery of Port of Spain. – Stock photo

Udecott has issued a call for proposals to restore and modernize the National Museum and Art Gallery.

What is planned is structural, with a focus on roof repairs, but the museum is overdue to redesign as more than an artifact repository.

Its holdings should be evaluated, their strengths noted and weaknesses targeted for future acquisitions.

The museum’s collections tend to be offered to the public as a mixture of curiosities, archaeological finds alongside modern art and paintings in service of evoking TT’s rich cultural history.

The renovation should be designed to advance the goals of a modern museum building, which go beyond protecting cobwebs on ancient artifacts. That said, preservation is an important aspect of any museum, and best practices should be employed to ensure they are safeguarded for future generations.

But beyond collecting, the institution is supposed to organize and categorize its holdings and display them appropriately in order to educate and entertain its audience, which can range from school children on day trips to scholars seeking better understand aspects of the nation’s history.

To leverage their collection to better understand national history and heritage, museums cannot only rely on exhibition space, which is never enough, and must provide assets for consideration of the audience through new and changing exhibits, multimedia presentations, insightful lectures and, where appropriate, entertainment that repackage what is known from the past to bring it alive for audiences today.

For any plan to renovate the space the National Museum occupies in the Royal Victoria Institute built in 1892, there must also be a balance between preserving the history of the building itself while creating greater flexibility for rotating exhibitions that explore and reassess themes under discussion in society at large.

The proposed revamp of the museum should position it for greater openness to its potential customers, moving from a position of waiting for questions to using its resources to ask them.

In the UK, museums and galleries of historic art have been pressured to consider changing perceptions of those who have been captured and adored in pigment and sculpture, and TT is expected to lead its own reframing of the conversation around our natural and cultural history.

As other institutions spring up around the country to archive specific segments of its heritage, the museum should be positioned as a sounding board and guide to successfully and effectively conserve historical and cultural artifacts, recognizing the enthusiasm of the sectors of the national community to recognize and celebrate their slice of our history in their own way.

Fix the leaks, sure, but once the job is done, a national museum should show leadership in modern curatorial methodology and encourage adventures and discoveries in the country’s multi-layered past.

Gary Kelly writes himself in the history books

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Gary Kelly wants to be the man to bring some Commonwealth Games history to Northern Ireland.

It’s been a memorable week in Birmingham with 15 medals guaranteed across a range of sports, meaning the team have already equaled their best result from the 1986 Games in Edinburgh.

Kelly defeated South African Jason Evans 21-12 in the men’s bowls singles semi-final and now faces Malaysia’s Fairul Abd Muin in the last four.

But while a medal is what he wants, he is looking to improve on the bronze he won 12 years ago in Delhi.

And two more victories would end a 24-year wait for Northern Ireland bowling gold, dating back to the four-way success of Gary McCloy, Ian McClure, Martin McHugh and Neil Booth in Kuala Lumpur.

“I know all the players who have represented Northern Ireland over the years and to do something that they did would be very special, but I mustn’t look too far ahead,” said Kelly, taking part in his third Games here in Birmingham.

“Northern Ireland bowling is now in a fantastic place. We have worked hard to develop the academies and regional teams and it is paying off here.

“It’s a fun and exciting team to be a part of and when you feel good and happy it can’t hurt your performance.”

Four years ago Northern Ireland weren’t on the bowling podium, with seven of the ten team making their debuts here with 33-year-old Kelly the oldest statesman.

He took control of his game against Evans early on and quickly built a decisive advantage. Australian Aaron Wilson, defending Gold Coast singles champion, also advanced and will face Scotland’s Iain McLean in the other semi-final.

“It’s fantastic to reach the semi-finals, they are the best guys in the world, and I gave myself a chance to win a medal,” added Kelly, who is undefeated after winning all the group matches.

“The confidence is good and having won every game so far doesn’t hurt, but it doesn’t get any easier from here. I just have to stay focused and keep trusting in my own abilities.

“I got off to a very good start and was able to control the game, I integrated into the game well.”

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