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

American history

By

James L. Roussel

-

August 26, 2022

0

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.

Short or long personal loan terms: how to choose the right one and latest news

I tried to give all kinds of news to y’all latest news today 2022 through this site and you will like all this news very much because all the news that we always give in this news is always there. It’s on a trending topic and regardless of the latest news

it was always our effort to reach you that you continue to get the Electricity News, Degree News, Donation News, Bitcoin News, Trade News, Real Estate News, Gaming News, Trending News, Digital Marketing, Telecom News, Beauty News, Banking News, Travel News, Health New, Cryptocurrency News, Claims News the latest news and you always keep getting the news information for free through us and also tell people. Give that any information related to other types of news will be

Short or long term personal loan: how to choose the right one and more live information

All this news I made and shared for you, you will like it very much and we keep bringing you topics like every time so you keep getting hot news like trending topics and you It’s our goal to be able to have

all kinds of news without going through us so that we can reach you the latest and best news for free so that you can go further by getting the information of this news with you. Later we will continue

to provide information on more world news update today kinds of breaking news through postings on our website so that you will always keep moving forward in this news and whatever kind of information will be there, it will definitely be passed on to you.

Short or long term personal loan: how to choose the right one and more news today

All this news that I have brought you or will be the most different and best news that you will not get anywhere, as well as the information Trending News, Latest News, Health News, Science News, Sports News, Entertainment News, Technology News, Business News, World News of this made available to you all so that you are always connected with the news, stay ahead of the game and continue to today’s news all types of news for free till today so you can get the news by getting it. Always take two steps forward

Credit goes to news website – This news website from the original content owner. This is not my content so if you want to read the original content you can follow the links below

Get original links here🡽

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

American history

By

James L. Roussel

-

August 25, 2022

0

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.

Also Read: Google Expands Play Games for PC Open Beta Feature to 5 Countries

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

National museum

By

James L. Roussel

-

August 25, 2022

0

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.

[email protected]

More from The Eagle

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

National museum

By

James L. Roussel

-

August 24, 2022

0

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.

“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.

“‘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.

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.

“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

History books

By

James L. Roussel

-

August 24, 2022

0

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

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 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

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 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 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

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

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

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

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

American history

By

James L. Roussel

-

August 24, 2022

0

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.

Catch all the trade news, market news, breaking news and latest updates on Live Mint. Download the Mint News app to get daily market updates.

More less

To subscribe to Mint Bulletins

* Enter a valid email

* Thank you for subscribing to our newsletter.

First post

Personal loan interest rates increase for 3 and 5 year loans

American history

By

James L. Roussel

-

August 22, 2022

0

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

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 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

National museum

By

James L. Roussel

-

August 22, 2022

0

(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

History books

By

James L. Roussel

-

August 21, 2022

0

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.

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

History books

By

James L. Roussel

-

August 21, 2022

0

Loading

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.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

National museum

By

James L. Roussel

-

August 20, 2022

0

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

American history

By

James L. Roussel

-

August 20, 2022

0

The Personal Credit Insurance Market research report is competent and top-down research by specialists on the current state of the industry. This statistical survey report provides the latest industry insights and future industry patterns, allowing you to single out items and end customers driving development and revenue benefits. It focuses on the real drivers and restraints for key players and presents the state of the challenge with development prospects. In addition, the report displays potential opportunities in the Personal Credit Insurance market and also presents the effect of various hindering or stimulating elements in the analysis of the market.

Buy the report on https://www.deepresearchreports.com/contacts/purchase.php?name=2469598

Market overview:
The report presents an overview of the market with the production of cost, shipping, application, volume of use and arrangement. The Personal Credit Insurance research report offers significant insights on the business direction from the start, including some stable techniques crafted by noticeable market pioneers to develop a strong footing and development in the business. Moreover, significant areas of the Personal Loan Insurance Market are also assessed based on their performance.

Market segmentation analysis
The market is segmented on the basis of product, type, end users, and application. Segmentation is considered to be the most vital part of the report which helps the reader to understand the market accurately.

By the manufacturers
ACE Insurance

Achmea

AEGON

Allianz

Anadolu Hayat Emeklilik

Assicurazioni Generali

Assuring

AIA Group

AlfaStrakhovanie

Banamex

Banco Bilbao Vizcaya Argentaria

Bradesco Bank

BNP Paribas Cardif

Chinese life insurance company

China Pacific Insurance

CNP Assurances

Agricultural credit

DZ Bank

Guaranteed Emeklilik ve Hayat

Great Eastern Holdings

Provincial National Group

Hanwha Life Insurance Company

HDFC Standard Life Assurance Company

ICICI Prudential Life Insurance Company

By type
Low credit

Average credit

High credit

By end users
Third party

insurance company

Others

Download the free PDF brochure at https://www.deepresearchreports.com/contacts/request-sample.php?name=2469598

Geographic segmentation
• North America
• South America
• Asia and the Pacific
• Middle East and Africa
• Europe

Reasons to Buy Report
• The report offers an in-depth analysis of the market by providing definition, application, and classifications.
• SWOT analysis and strategies of each vendor in the market are provided in the report.
• The provides a comprehensive overview of current industry trends, trend forecasts and growth drivers.
• The report provides a detailed overview of the vendor landscape, competitive analysis, and key market strategies to win a competitive landscape.

The head office
B5 Tower, Office 101, Magarpatta SEZ
Hadapsar, Pune-411013, India
+ 1 888 391 5441
[email protected]

Deep Research Reports is a digital database of syndicated market reports for global and Chinese industries. These reports offer competitive intelligence data for companies in various market segments and for multi-level decision makers in these organizations.

This press release was published on openPR.

Snap Decision’s victory in the Sheppard is one for the history books

History books

By

James L. Roussel

-

August 19, 2022

0

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

National museum

By

James L. Roussel

-

August 19, 2022

0

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.

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.

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.”

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

History books

By

James L. Roussel

-

August 18, 2022

0

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. 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

Brett Baty makes Major League debut for Mets history books

History books

By

James L. Roussel

-

August 18, 2022

0

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.

National Museum of Scotland to meet with First Nations leaders to discuss stolen artifact

National museum

By

James L. Roussel

-

August 17, 2022

0

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.

Chief Earl Stephens next to a replica Ni’isjoohl memorial pole in the Nisga’a village of Laxgalts’ap, British Columbia, Canada. Photo: Nisga’a Nation

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.

Ancient Iraqi artifacts during a ceremony to hand over treasures from Lebanon to Iraq, organized by the Lebanese National Museum in Beirut. APE

Updated: August 17, 2022, 2:09 PM

Business news live today: latest economic news, market news, economic and financial news

American history

By

James L. Roussel

-

August 17, 2022

0

The additional funds will be made available to the travel, tourism and hospitality sectors, I&B Minister Anurag Thakur said.

New trends

Last name	Price	To change	% changes
ntpc	161.45	2.70	1.7
Indiabulls Hsg	131.35	2.70	2.1
Sbi	528.15	2.20	0.42
Rec	105.50	2.45	2.38

YOUR OPINION

Will India be a $5 trillion economy by FY27?

COMMENTS

Thank you for voting

Overview of the IPO

Equity	Type	Issue price	Size of the problem	Lot size	Open issue	Closing the issue
Syrma SGS View profile	Initial Public Offering	209	836.42 – 840.13	68	12-08	18-08
Olatech Solution View profile	initial public offering of an SME	27	1.89	4000	12-08	19-08
Naturo Indiabul View profile	initial public offering of an SME	30	10.92	4000	22-08	24-08
Rhetan TMT View profile	initial public offering of an SME	70	56	2000	22-08	25-08

Equity	Issue price	Registration date	Ad open	close ad	Listing Earnings %	CPM	Current Earnings %
Healthy life	ten	26-07	10.29	9.34	-6.6	9.81	-1.90
Veerkrupa Jewel	27	18-07	54.75	25.65	-5	69.40	157.04
Jayant Infra	67	13-07	76.00	79.80	19.1	280.55	318.73
B Right Realest	153	13-07	155.00	154.00	0.65	147.00	-3.92

Scheme	Fund category	information	Purchase order	Opening date	Closing date
No NFO details available.

Equity	Type	Issue price	Size of the problem	Lot size	Subscription	Open issue	Closing the issue
Veekayem Fashio View profile	initial public offering of an SME	28	4.44	0		05-08	11-08

chat box

Balwant Jain

Tax and investment expert,

August 18 – 2:00 p.m.

Can an NRI buy property in India

chat box

Balwant Jain

Tax and investment expert

August 18 – 2:00 p.m.

Can an NRI buy property in India

Securities transaction

Company	Report	Ex-Bonus
REC	1:3	17-08-2022

Company Name	Last prize	To change	Market capitalization	Net sales	net profit	Assets

country=india page generated=2022-08-17 16:51:24

Why are the history books “silent” on the question “Who is responsible for the partition of India…”?

History books

By

James L. Roussel

-

August 16, 2022

0

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

FIFA suspends football body, India cannot host U17 Women’s World Cup

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

American history

By

James L. Roussel

-

August 15, 2022

0

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

National museum

By

James L. Roussel

-

August 13, 2022

0

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.

Stay connected to local, national and breaking news: download the WFMY News 2 app.

►Text the word APP to 336-379-5775

►DOWNLOAD FOR IPHONE HERE

►DOWNLOAD FOR ANDROID HERE

Perkins Appointed by President Biden to the National Board of Museum and Library Services of the Institute of Museum and Library Services | Company

National museum

By

James L. Roussel

-

August 13, 2022

0

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

History books

By

James L. Roussel

-

August 13, 2022

0

August 13, 2022 2:36 p.m.

Job : August 13, 2022 2:36 p.m.

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

American history

By

James L. Roussel

-

August 11, 2022

0

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

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 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

National museum

By

James L. Roussel

-

August 11, 2022

0

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

History books

By

James L. Roussel

-

August 10, 2022

0

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.

Personal loan vs personal line of credit | Personal loans and advice

American history

By

James L. Roussel

-

August 9, 2022

0

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

History books

By

James L. Roussel

-

August 8, 2022

0

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

History books

By

James L. Roussel

-

August 8, 2022

0

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.

Today’s breaking news and more to your inbox

Aaron Judge sets the record straight on Barry Bonds, home run record hunt

History books

By

James L. Roussel

-

August 7, 2022

0

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

History books

By

James L. Roussel

-

August 7, 2022

0

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.

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

National museum

By

James L. Roussel

-

August 7, 2022

0

Editorial

News day reporter

23 hours ago

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

History books

By

James L. Roussel

-

August 5, 2022

0

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.”

National Lottery players raise over £30m a week for good causes, including vital funding for sport – from grassroots to elite. Find out how your numbers work wonders at: www.lotterygoodcauses.org.uk and get involved using the hashtag: #TNLAthletes.

The National Museum of Bangladesh celebrates the 109th anniversary of its founding

National museum

By

James L. Roussel

-

August 5, 2022

0

National Museum of Bangladesh.

The National Museum of Bangladesh will celebrate its 109th anniversary on Sunday.

The museum will organize a seminar, an exhibition of photographs and books at its premises in Shahbagh in the capital.

The seminar titled “Dhaka at the National Museum: A History of Transformation” will be held at the Sufia Kamal Auditorium at 11:00 am.

After the seminar, an exhibition of photographs and books entitled “Bangabandhu Muktir Agranayak” will be inaugurated at the Nalini Kanta Bhattasali gallery at noon.

The Minister of State for Cultural Affairs, KM Khalid, will be present as a guest of honor at the seminar and will open the exhibition.

The National Museum of Bangladesh, officially opened on November 17, 1983, began its journey as the Dhaka Museum on August 7, 1913.

The museum is devoted to archaeology, classical, decorative and contemporary art, history, natural history, ethnography and world civilization.

Home loan, personal loan EMIs To Go Up. Here’s how much more you’ll pay

American history

By

James L. Roussel

-

August 5, 2022

0

Mumbai: The Reserve Bank of India (RBI) on Friday raised the repo rate by 50 basis points to 5.4%, the third consecutive increase since May in a bid to calm stubbornly high inflation and defend the rupiah. Notably, the redemption rate was raised to bring the interest rate back to pre-pandemic levels.Also Read – ICICI Bank, PNB and Bank of Baroda raise interest rates on loans after RBI redemption rates hike. Here’s how much more you’ll pay

What is the RBI repo rate and why is it increased?

For the uninitiated, the repo rate means the rate at which commercial banks borrow money from the Reserve Bank of India. If RBI increases the repo rate, the cost of borrowing for retail and other loans by banks also increases. Subsequently, banks will pass on the higher costs to borrowers by raising interest rates on various loans. As a result, borrowers of various loans, including home loans and personal loans, will pay more in monthly equivalent payments (EMI). Also Read – RBI policy rate set to cross 6% this fiscal year, report says

EMI home loan: how much more will you pay?

After the current repo rate hike by the RBI, the total repo rate hike is now 1.4%. This increase will impact both new and existing borrowers. For borrowers who took out home loans before April 2022, the interest rate is expected to increase by around 8% from 6.5% to 7% after RBI’s August monetary policy. Also Read – RBI Raises Repo Rate by 50bps to 5.40%; Lend EMI to become more expensive

If someone has already taken a home loan of Rs 30 lakh at 7% for a term of 20 years in April 2022, then the EMI will increase from Rs 25,845 to Rs 23,259. There will be a massive jump of Rs 2 586 in monthly IMEs.

While announcing the rate hike, RBI Governor Shaktikanta Das gave no indication of a change in stance or a possible pause in the next policy due in late September.

The central bank, however, kept the GDP growth projection at 7.2% for the current fiscal year ending March 31, 2023 and kept the inflation outlook for the year unchanged at 6.7%.

“Inflationary pressures are widespread and core inflation remains elevated. Inflation is expected to remain above the upper tolerance level of 6% in the first three quarters of 2022-23, bringing the risk of destabilizing inflation expectations and trigger second-round effects,” he said.

Stating that there has been some decline in global commodity prices, particularly industrial metal prices, and some softening in global food prices, the governor said domestic edible oil prices are expected to decline further. thanks to the improvement in supply from the main producers. countries.

Personal loan interest rates fall below 11% for 3-year fixed rate loans

American history

By

James L. Roussel

-

August 4, 2022

0

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 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 July 28 and August 3:

Rates on 3-year fixed-rate loans averaged 10.75%, down from 11.03% the previous seven days and from 11.53% a year ago.
Rates on 5-year fixed-rate loans averaged 14.99%, down from 13.58% the previous seven days and from 13.71% 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 fallen slightly for 3-year loans over the past seven days, while 5-year loan rates have increased significantly. 3-year personal loan rates fell by 0.28%, while 5-year loan rates increased by 1.41%. In addition to today’s cuts for 3-year personal loans, rates for this repayment term 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

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. Generally, 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 seeks traditional Khmer household items for preservation and display

National museum

By

James L. Roussel

-

August 4, 2022

0

The National Museum of Cambodia is planning an exhibition of traditional household items used in daily life and to achieve this, the museum has sent out a request to the public to donate all the items they have to the museum.

The director of the National Museum of Cambodia, Chhay Visoth, said yesterday that the museum always welcomes all kinds of traditional Khmer household materials from people, which is so important for the next generation to see in the museum.

“I fear that these traditional Khmer household items will soon disappear as people use them less and less and forget about them. The national museum welcomes all these household items and it doesn’t matter if they look too old or broken,” he said.

Visoth said the museum already has a lot of household materials from prehistoric times to the present day made from donated wood or metal.

Visoth explained that not only household items are collected, but also modern works of art, which will be exhibited to the public in the near future, especially the rare traditional household items which are rapidly disappearing from Cambodia.

He added that the museum also received palm leaf artifacts from residents of Stoung district, Kampong Thom province.

Sambo Manara, a history professor at Cambodia’s Pannasastra University, said yesterday that he was very pleased with the museum’s efforts and supported the collection of Khmer household materials from prehistory to the modern era, but he is a bit late as rare Khmer household materials were sold. to foreign buyers while others were broken, concealed or thrown away.

“Old Khmer household materials of copper or silver were melted down and repurposed into works of art or objects of worship,” Manara said.

He added that the new generation is not familiar with their own culture and the daily life of their ancestors, so the museum’s mechanism of collecting traditional Khmer household materials is very important because these items will disappear in the near future if authorities and people ignore them.

The owner of the Vimean Sokha museum in Siem Reap province, Ly Pengheng, who also collects traditional Khmer household items, said yesterday that it was good for the museum and the Khmer people as these rare items are rapidly disappearing as people think that they have no value and are useless. , but on the contrary, they are so precious and representative of Khmer culture.

Key words: National Museum of Cambodia, traditional

National Museum to get an upgrade

National museum

By

James L. Roussel

-

August 3, 2022

0

New

Sean Douglas

8 hours ago

National Museum and Art Gallery, 117 Frederick Street, Port of Spain. – “/>

FILE PHOTO: The National Museum and Art Gallery, 117 Frederick Street, Port of Spain. –

The National Museum and Art Gallery, built in 1892 as the Royal Victoria Institute, will soon benefit from a much-needed refurbishment, according to a paid advertisement in Tuesday’s newspapers, as Udecott’s CEO later confirmed to Newsday , Noel Garcia.

In the announcement, Udecott invited “suitably qualified and experienced entities to submit proposals for the provision of modified design-build services for the restoration and upgrade of the National Museum and Art Gallery”, located at the top of Frederick Street, Port of Spain.

The successful contractor will be chosen through a competitive selection process set out in the request for proposals (RFP) document, which was due to be available Tuesday, at a cost of $2,500.

Garcia was unwilling to say too much, such as budget or timeline, saying the project was now going through an active bidding process.

Newsday asked if the work was for the aesthetic enhancement of the building’s facade, or if it was necessary due to its age, which is around 130 years old.

Garcia replied: “If you visit the museum, you will realize that it has not been renovated or refurbished for several years. So there are a number of structural problems.

“There are issues with leaky roofs, there are general repair and maintenance issues, as well as minor expansions.”

When asked if the work would retain the historic aspects of the building, he said that was exactly why Udecott was chosen as the main contractor.

“We now have a lot of experience dealing with heritage buildings. So what we’re going to do is we’re going to renovate and modernize while keeping the building in the shape and fashion it was in the past. So we are not demolishing the building but upgrading and renovating, all within the strict guidelines with which we have treated heritage buildings in the past.”

Garcia recalled the long list of historic buildings in Trinidad and Tobago whose renovation Udecott had overseen.

He said: “The Heritage Library, Mille Fleurs, Stollmeyer Castle, President’s House, Red House, Whitehall. We are currently (sic) doing the Bishop’s House around the Savannah.

“We have some experience.”

Garcia developed the museum project.

“This is an upgrade renovation to ensure that the building is fit for purpose, that it fulfills the function that it is intended to serve.

“As a museum, it contains a number of our artifacts, paintings, etc. Therefore, it is incumbent on us to ensure that the building is structurally sound, that the air conditioning and plumbing are in good condition and that the roof does not The building is very old and this type of repairs are necessary to preserve and maintain the building.

“This is one of those buildings that has been listed by the National Trust and like all listed buildings we need to preserve it. We need to bring them into use. The museum does what it is supposed to do and that will extend the life of the building.

The Trinidad and Tobago National Trust website noted: “This site is on the Inventory of Heritage Properties, which is the official list of historic sites in TT deserving of note and preservation. The register is authorized by the National Trust Board and is by no means complete.”

The website says the Royal Victoria Institute was built as a science and art museum to commemorate Queen Victoria’s Diamond Jubilee, which fell on June 22, 1897.

“It was built in the style of the German Renaissance, designed by architect DM Hahn.

“The institute has been used for natural history and archeology research exhibits, and arts and crafts classes.”

In 1901 the building was extended to include a reading room and recreation room while lawn tennis courts were laid out on the grounds and by 1905 the site was a center for social and dramatic functions. “On May 19, 1920, the interior of the building was destroyed by fire. Only the exterior walls remained and most of the collections were lost. The main part of the building was rebuilt according to the same plan as the old building .” It was reopened in June 1923 and used for theatrical and musical entertainment and business courses.

“In 1945, the colonial government decided to expand the exhibitions and activities and gave the institute the status of a museum.

“The National Museum of Trinidad and Tobago, insofar as it serves the public interest, relates the historical, artistic, intellectual, economic, technological, legal, social, political and physical environments.”

Best Personal Loan Rates of August 2022 – Forbes Advisor

American history

By

James L. Roussel

-

August 2, 2022

0

With a US Bank personal loan, you can quickly access funds for your one-time financing needs, whether it’s consolidating debt or covering a large expense. US Bank offers unsecured personal loans ranging from $1,000 to $25,000 to existing US Bank customers. Loan terms range from 12 to 60 months.

US Bank loans come with low interest rates ranging from 5.99% to 16.49%, depending on your creditworthiness, which includes a 0.50% autopay discount. Borrowers with higher credit scores are more likely to qualify for lower end interest rates. Similar to other major providers, US Bank charges no origination fees and there are no prepayment penalties, which means you can always make loan payments before they are due.

Applying for a US bank loan is easy and can be done online; however, you must be a current US Bank customer. Some customers may need to visit a US bank branch if additional information or documentation is needed.

Eligibility: US Bank requires applicants to be existing US Bank customers. If you are a current customer, you can qualify for a personal loan with a minimum credit score of 680. However, those with a credit score of 680 will not qualify for the lowest interest rates available.

Since you may need to go to a branch to arrange your loan, you must live near a physical location. US Bank has branches in 26 states: Arkansas, Arizona, California, Colorado, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Minnesota, Missouri, Montana, North Carolina, North Dakota, Nebraska, New Mexico, Nevada , Ohio, Oregon, South Dakota, Tennessee, Utah, Washington, Wisconsin and Wyoming.

The loan uses: US Bank personal loans can be used for any purchase or product in addition to a home or education expenses. For example, they can cover vacation costs, home renovations, medical bills, or help consolidate debts, such as credit cards.

Completion time : An applicant will typically learn their loan approval status in less than a minute. If you qualify for the personal loan, you can fund your loan online; however, you may need to visit a branch if a US Bank representative needs more information. After your loan closes, funds are available within one business day.

Still lower than the same time last year

American history

By

James L. Roussel

-

August 1, 2022

0

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 July 25 and July 31:

Rates on 3-year fixed rate loans averaged 10.82%, down from 10.71% the previous seven days and from 11.81% a year ago.
Rates on 5-year fixed rate loans averaged 14.18%, down from 13.59% the previous seven days and from 14.29% 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 slightly over the past seven days. 3-year personal loan rates increased slightly by 0.11%, while 5-year loan rates saw a larger increase of 0.59%. Despite today’s increases, rates for both terms 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 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

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 National Museum of Asian Art hosts the first American museum retrospective on Bahman Jalali and Rana Javadi

National museum

By

James L. Roussel

-

August 1, 2022

0

Posted inSponsored

Opening in Washington, DC on August 6 Living in two stages features works by two of the most influential figures in the development of late 20th century photography in Iran.

© Bahman Jalali / Arthur M. Sackler Gallery, Smithsonian Institution, Washington, DC: Gift of Rana Javadi, RLS2022.1.49 (detail)

Bahman Jalali and his wife and closest collaborator, Rana Javadi, are known for their crisp documentary images and haunting photomontage works. Driven by the medium’s powerful – and fragile – relationship to memory, they have created an unprecedented visual record of a tumultuous time in their homeland.

Living in two stages: Photograph by Bahman Jalali and Rana Javadi from August 6, 2022 to January 8, 2023 at the Smithsonian’s National Museum of Asian Art. The exhibition features images from the two photographers in the iconic series Days of blood, days of firecapturing events in Tehran during the 1979 Iranian Revolution, as well as footage from Jalali’s Khorramshahr: a destroyed city and Abadan continues to fightdrawn from his years on the Iran-Iraq war front.

Throughout his career, Jalali returned to his project of observing the lives and changing landscapes of Iran. A third section of the exhibition presents a selection of his images of fishing communities in the northern Persian Gulf. In addition to their documentary projects, Jalali and Javadi have curated archives from the early 20th century, which they have used as a basis for creating vivid photomontages that explore the role of the medium in documenting history.

It will be the first museum retrospective in the United States that offers insight into Jalali’s extensive practice and the first to be presented with a selection of Javadi’s evocative work from the late 1970s to the present day.

For more information, visit asia.si.edu.

From grants, open calls and commissions to residencies, fellowships and workshops, our monthly list of opportunities for artists, writers and art workers.

Mika Rottenberg exploits the banality and allure of the show

Despite themes of alienation, fragmentation, and “world domination,” there are indeed elements of levity, wonder, and curiosity in Rottenberg’s work.

For years, Jan Bot of the Eye Filmmuseum has transformed film fragments into digital experimental shorts. Now, with the end of the project, these shorts will be archived via NFT.

Emma McKeon etches her name in the Commonwealth Games history books

History books

By

James L. Roussel

-

July 31, 2022

0

Australian swimming champion Emma McKeon won her 11^e Gold medalist at the Commonwealth Games – making her the Games’ most successful athlete.

McKeon secured the record after winning the women’s 50m freestyle, edging out teammates Meg Harris (silver) and Shayna Jack (bronze) in another Australian clean sweep on the podium.

Stay up to date with the latest news with The National Briefing – catch up on news as it happens:

On Monday morning (AEST), McKeon passed Australian greats Susie O’Neill, Ian Thorpe and Leisel Jones who are all tied with 10 gold medals each at the Commonwealth Games.

Her gold medal in the 50 meter freestyle accompanies that of the mixed 4×100 freestyle relay and that of the women’s 4×100 freestyle relay in Birmingham.

“It’s really nice to be mentioned next to some of these names and I will be a part of this story for years to come hopefully,” McKeon said.

“They are the ones who inspired me when I was young. I remember watching them on TV and it lit the fire in me to be where I am now.

” It is special. It makes me reflect on the last eight years since my first Commonwealth Games.

“I can see how far I’ve come as a person and an athlete.”

McKeon could add to his medal tally, also qualifying with the fastest time this morning for the 50-metre butterfly final.

Tonight, McKeon will compete in the eighth round of the women’s 100-meter freestyle which begins at 7:51 p.m.

In other record breaking news at the pools, Ariane Timus completed the fastest ever women’s 200m freestyle to anchor Australia’s relay team from Madi Wilson, Kiah Melverton and Mollie O’Callaghan so.

The foursome clocked a record time of seven minutes and 39.29 seconds to beat the time of 7:40.33 set by China at the Tokyo Olympics.

Australia are well and truly at the top of Birmingham 2022, with 52 medals after day three.

Australian athletes have won 22 gold, 13 silver and 17 bronze medals, and are 11 gold medals ahead of the second-placed host country with 34 medals in total.

For Australians looking for smart, unbiased media coverage, join acclaimed journalist Natarsha Belling on Your Morning Agenda to discover national and international stories plus the best business and finance stories – every day of the week. from 6:30 a.m. on Listnr:

Banks seek relief from RBI over personal loan overdraft standards

American history

By

James L. Roussel

-

July 31, 2022

0

Banks have approached the Reserve Bank of India (RBI) to relax its recent guidelines to allow them to issue debit cards to customers with overdrawn (OD) accounts which are used to provide personal loans, officials said. banking sources at FE.

The banks, under the umbrella of the Association of Indian Banks (IBA), have urged the RBI to allow them to issue debit cards in OD accounts which are in the nature of personal loans, where limits are sanctioned against salary, pension, deposits and government securities, and for personal consumption. They also want to issue debit cards when such facility is extended to Mudra and Kisan credit card account holders.

The banking sources said there were no restrictions on issuing debit cards under this category of accounts before, a large number of customers availed themselves of such facility. The latest restrictions will therefore cause inconvenience to those customers who do not seek business loans through these OD accounts.

A personal loan overdraft typically allows a customer to withdraw an amount (up to a fixed limit) from their accounts at any time and repay it later with interest. This makes it one of the preferred credit options for customers to meet various personal requirements. The limit and interest rate vary by account.

“Our understanding is that there is now a ban on issuing debit cards in this category of accounts where there was no restriction before. These are genuine grievances and the matter is being reviewed with the RBI,” a source said.

In April, the RBI issued the “Primary Instructions” on debit and credit cards, a document which consolidates instructions on rules and regulations. Most of the rules in the circular were to be implemented from July 1.

At the end of June, the RBI extended the deadline for tokenization of debit and credit cards for another three months until September 30, but did not provide relief to banks for some other measures it stipulated.

Through the main circular, the central bank asked banks to formulate a comprehensive policy on issuing debit cards to customers with the approval of their boards.

He ordered banks not to issue debit cards to cash credit/loan account holders. “However, this will not prevent banks from linking the overdraft facility provided with Pradhan Mantri Jan Dhan Yojana accounts to a debit card,” the RBI said.

Banks are also mandated to undertake a review of their debit card operations on a semi-annual basis. The review should cover the analysis of card usage, including cards that are not used for long periods of time and the risks inherent therein.

BJP – ThePrint – ANIFeed

History books

By

James L. Roussel

-

July 31, 2022

0

New Delhi [India]July 31 (ANI): The Bharatiya Janata Party (BJP) on Sunday called for the ‘Singur Andolan’ chapter to be removed from the history books, saying the chapter glorified ‘corrupt’ Partha Chatterjee as a freedom fighter.

BJP National Secretary Anupam Hazra has asked Chief Minister Mamata Banerjee to remove the name of former Bengal Minister Partha Chatterjee from the pages of Madhya Shiksha Parshad history books.

“Honourable Prime Minister, this man is now in prison for embezzling money from millions of educated unemployed young people. Now at least erase his name from the pages of the Class 8 history books. Otherwise the new generation will begin to consider this person as the equivalent of Netaji and Khudiram after seeing his name on the pages of the book,” Hazra tweeted.

Partha Chatterjee has been arrested by the Directorate of Law Enforcement (ED) in connection with the School Services Commission (SSC) scam in West Bengal.

Anupam Hazra while speaking to ANI said, “I asked Chief Minister Mamata Banerjee via my tweet to remove Partha Chatterjee’s name from the history books. The names of those people who do great work for the country are written on the pages of history books. Now, if the names of corrupt people like Partha Chatterjee, who is already in prison, are written in the history books, then children will start considering Partha Chatterjee as the equal of Khudiram Bose and Netaji.

BJP leader says ‘Singur Andolan’ chapter would mislead new generation.

“We want this chapter ‘Singur Andolan’ which has been forcibly included in the school books of Bengal removed as it will mislead the new generation,” he added.

“At the moment only Partha Chatterjee name has appeared in the scam, one day Mamta Banerjee name may also appear. No guarantee. shouldn’t read it. It’s the psychology of the people to respect those whose names are engraved in the books. Then if all those thieves and corrupt people are glorified, it will mislead the next generation,” the secretary said. national of the BJP.

In the chapter “Singur Andolan”, TMC attempted to project that he brought independence to the people of Bengal from the hands of the CPI(M) who ruled Bengal for about 35 years. The chapter highlighted the extortion, murder and gross mismanagement in Bengal during the CPI(M) rule.

“Mamata Banerjee wants to see her name written in the history books. She likes that very much. So when she came to power, a chapter of the “SingurAndolan” was forcibly included in the class 8 history book of Bengal. So Partho Chatterjee was also glorified there,” he added. (ANI)

This report is generated automatically from the ANI news service. ThePrint declines all responsibility for its content.

Op-Ed: Price control belongs to the history books | National

History books

By

James L. Roussel

-

July 31, 2022

0

“One thing we all know from experience is that when you control the price of something, you end up getting less. Our most vivid memory of that was Jimmy Carter’s gas lines.” –George Shultz

It has been said that “history repeats itself”. In theory, the more we learn about the mistakes of our past, the better we can influence the present and the future. But that may be easier said than done.

Attempts to control prices cover recorded history. No other economic policy has failed in diverse historical societies. In every century, civilization, mode of government and economic system where price controls have existed, they have had the same effect: they do more harm than good.

In ancient Egypt, the pharaohs attempted to control the price of wheat supply. Without profit, farmers produced less until famine set in and the economy collapsed. In Babylon, the wage and price controls in the Hammurabi Code ultimately brought down the empire. In 58 BC, Roman farmers fled to the city due to wheat and corn price controls, and this quickly led to the downfall of the empire.

Price controls are popular and politically profitable in times of economic distress, but they are an economic disaster for the recovery of a depressed economy. They discourage investors and slow or block growth and tie the hands of international market economies, rendering them dysfunctional.

“No one has ever escaped, or will ever escape, the consequences of their wrong choices.” –Catherine Kaine

According to the World Bank, 76% of developing countries control the price of energy and food, and 13% control the price of building materials and metals. Even though price controls have a history of failure, many politicians continue to implement them because it’s an easy way to attract voters. The World Bank notes that every country with price controls has stagnant economic growth.

As cities get more expensive, politicians and reformers are calling for rent control. Economists think it’s a terrible idea. They say it helps a small group of tenants, but it keeps rents artificially high by discouraging construction and maintenance of the property. This spills over to surrounding neighborhoods, lowering property values and further increasing the number of Section 8 homes and fueling gentrification.

During World War II, President Franklin Roosevelt rationed items needed for the war effort, which gave rise to the lucrative “black market” where people could buy, sell and trade ration coupons. When President Richard Nixon restricted gasoline price increases in the 1970s, long lines formed at gas stations and gasoline was rationed. In U.S. cities where politicians have passed rent control laws, property values have gone down, and so have tax revenues.

In an energy crisis, the Liberals’ first response is to impose prices on energy, especially gas and oil. Although there is a long history proving that trying to solve political problems with price controls not only leads to shortages but can destroy an economy, Democrats are doing it again.

“The only thing price controls can guarantee anyone is more shortages.” – Michelle McMurry

In classic progressive style, the Liberals in the House have passed a bill that will make a bad situation even worse. In May, a law to punish big oil companies for “price gouging,” drafted by U.S. Rep. Kim Schrier, D-WA, passed 217-207 without a single Republican vote while four Democrats joined the GOP by voting no.

This bill was encouraged and supported by President Joe Biden, who campaigned to declare war on the oil industry. It’s a promise he kept that Americans wish he’d forget to keep. This bill makes it “vaguely” illegal to “excessively” raise the prices of gasoline and household fuels? But what no one knows is who will judge how excessive a raise is.” The Federal Trade Commission will punish the oil scoundrels.

U.S. Representative Katie Porter, D-CA, co-sponsor of this bill, noted, “Big Oil is inflating prices for families because they can. Enough is enough ! Press secretary Jen Psaki said at a press briefing: “Our energy policies do not hinder the production of the oil industry. They reduce on their own.”

ConocoPhillips CEO Ryan Lance blamed Biden and progressive climate geeks for the current oil crisis. He said, “This administration’s bad energy policies and bad regulatory policies are to blame, not our profits. As an industry, we cannot lose sight of the return on our investments.

The American Exploration and Production Council said the price hike claims were completely untrue. In a press release, the U.S. Chamber of Commerce said, “It’s time for this administration to partner with our domestic energy producers and leverage America’s ability to produce more oil and gas so that we can focus on pro-growth policies for the benefit of our economy and the security of the world.

While ExxonMobil, Chevron and other oil companies admitted to making $40 billion in the first quarter of the year, many of these companies are spending billions on stock buybacks and paying huge dividends to investors. And it’s an inconvenient truth that Democrats have chosen to ignore.

Now that gas prices have soared 81%, an all-time high, Biden has worked to deflect blame for the pain at the pump and criticism of his energy policies. Rather than take responsibility for his anti-American energy policy, Biden is pleading with rogue dictators to make up for the lack of imported Russian oil.

“It is time to punish all energy producers for profiting from this international crisis.” -Joe Biden

In his first week in office, Biden shut down the Keystone Pipeline, banned new oil drilling leases on federal lands and halted drilling in the Arctic reservation. He then ordered energy czar John Kerry to review all gas and oil regulations. He claimed that Donald Trump had given them “carte blanche to over-drill and pollute”.

But Joe Biden hasn’t done his homework. According to BP’s statistical study, fossil fuel consumption fell by 4.5% between 2017 and 2020. This is the largest drop since 1945. Falling oil consumption contributed to three-quarters from the decline, when America was energy independent.

“The only way to increase the supply of anything is to reduce government regulations.” –Donald Trump

In the book of Hosea in the Hebrew Bible, we learned: “You reap what you sew. Biden declared war on industry in his first week in office and he blames everyone but himself for high gas prices.

In 2019, for the first time in 70 years, the United States became a net exporter of energy and the largest producer of oil and natural gas in the world. Biden took us back 70 years and refuses to admit it.

Americans are used to showing little resistance to the lure of price controls. From the days of the Continental Army, when price controls nearly brought a ruinous end to the American Revolution, to the 1970s, when Nixon tried to defeat inflation by freezing wages and prices, Americans have suffered greatly from the shortages and economic disasters caused by these failed policies.

Republicans should block this monster in the Senate, but will they with the midterm elections?

“Anything is possible, from angels and demons to economists and politicians.” – Paulo Coelho

Makati Government and National Museum Unveil Marker for City’s First Declared Important Cultural Property

National museum

By

James L. Roussel

-

July 30, 2022

0

MANILA, Philippines – The Makati City Local Government Unit and the National Museum of the Philippines unveiled the Marker of Important Cultural Properties from the former Presidency of San Pedro Makati, now the Museo ng Makati located in Barangay on Thursday. Population.

This is the first declared ICP in Makati City.

Makati Mayor Abby Binay and NMP Chief Executive Officer Jeremy Barns led the unveiling ceremony. It was observed by the city’s barangay officials, officials and representatives of NMP, National Commission for Culture and Arts, Department of Tourism – Metro Manila, Department of Education, Bureau of Makati Schools Division of Makati, Makati University and the Department of Interior and Local. Makati Government; representatives of private partners and cultural institutions such as Ayala Land, Ayala Museum, Samsung Performing Arts Theater CPAT_Official, Filipino Heritage Festival Inc., Escuela Taller de Filipinas, FringeMNL, Pottery Sessions, members of the media, residents and alumni of Barangay Poblacion and other stakeholders.

During the unveiling ceremony, the Makati City Lancer Drum and Bugle Corps, Choral Society of Makati, and Makati City Youth Orchestra performed to liven up the event.

Meanwhile, the former presidency of San Pedro Macati, built in 1934, was declared ICP for its cultural, artistic and historical significance to the country by NMP in June 2019.

The structure served as Makati City Hall until 1961 before former Vice President and Mayor of Makati, Jejomar Binay, turned it into a local museum in 1990.

Republic Act 10066 or the National Cultural Heritage Act of 2009 states that ICP “shall refer to cultural property of outstanding cultural, artistic, and historical significance to the Philippines as determined by the National Museum and /or the National Historical Institute.”

As stated by ICP, the Makati City Government said it will pursue redevelopment and conservation plans to improve the museum as well as more cultural heritage conservation programs.

The National Museum publishes the second issue of its magazine Iran

National museum

By

James L. Roussel

-

July 29, 2022

0

TEHRAN – The National Museum of Iran recently published the second issue of its prestigious journal, which includes scientific studies and articles on archaeology, museum management and restoration.

According to Jebrael Nokandeh, director general of the museum, the second issue of the online journal provides a platform for publishing articles on topics related to archaeology, museum management, restoration and related theoretical studies based on research on museum collections either at the National Museum of Iran or other museums inside or outside Iran.

The large museum includes the Iran-Bastan Museum (Ancient Iran) and the Museum of Islamic Archeology and Art of Iran, as well as eight research departments, the conservation department, the library and the archives.

The research departments are organized according to specific archaeological and historical periods and themes. Moreover, the National Museum of Iran houses the largest collection of archaeological objects in the country.

The collections range from the Paleolithic to the late Islamic period and represent over a million years of human settlement and cultural achievements in Iran. Paleolithic personal jewellery, clay and human figurines from early village communities, earliest evidence of administrative technology and writing from the 4th millennium BC, stone reliefs and capitals from Persepolis, life-size bronze statue Parthian nature of “Shami Man”, the natural mummy of a man called “Salt Man”, the Ilkhanid mihrab (prayer niche) of Dar-e Behesht and the pen and ink paintings (Siah Qalam) of Reza Abbasi from the Safavid period are among the important objects in the museum.

AFM

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

American history

By

James L. Roussel

-

July 28, 2022

0

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 interest rate trends for Credible Market personal loans, 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 July 21 and July 27:

Rates on 3-year fixed rate loans averaged 11.03%, down from 10.40% the previous seven days and from 11.81% a year ago.
Rates on 5-year fixed-rate loans averaged 13.58%, down from 13.75% the previous seven days and from 14.29% 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 personal loan rates fell by 0.17%, while 3-year loan rates increased by 0.63%. In addition to today’s rate changes, rates for both terms are lower than they were a year ago. 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 multiple 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

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 June 2022:

3-year personal loan rates averaged 11.1%, down from 11.12% in May.
5-year personal loan rates averaged 13.13%, down from 13.27% in May.

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 June, the average prequalified rate retained by borrowers was:

8.26% for borrowers with credit scores of 780 or higher choosing a 3-year loan
29.39% 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. Generally, 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.

Personal loan Vs. Line of credit: how to choose

American history

By

James L. Roussel

-

July 28, 2022

0

Personal loans and lines of credit are two ways to raise funds for just about any purpose.
A personal loan pays you the full amount up front and can be beneficial when you know how much you need.
If you plan to use cash as needed and are unsure of the total amount, a line of credit may be preferable.

There are all kinds of loans tailored to specific life needs, like paying for college, financing a new car, or buying a house. When you need money for reasons that don’t fit into any of these specific categories, a personal loan or line of credit can be a good option.

“Personal loans and lines of credit offer two different ways of achieving the same end goal: borrowing money,” says Dani Pascarella, CFP® professional and founder of Financial Wellness OneEleven.

You can use money from a personal loan or line of credit for just about anything.

Personal loan vs line of credit: in brief

Although both options are available if you need to borrow money, there are key differences in how personal loans and lines of credit are obtained and used.

Personal loans are lump-sum installment loans that you can use for any purpose, such as paying for an emergency expense, a household appliance, or even consolidating debt.
Lines of credit allow you to borrow and make payments on an ongoing basis. You can borrow up to a maximum amount that you are approved for based on your credit history.

What is a personal loan?

With a personal loan, you receive the approved amount in one payment and then make monthly installments until you are fully repaid. These payments include the principal amount or the amount you borrowed, plus interest.

When applying for a personal loan, the main things to consider are:

Credit and income requirements
Interest rate
Fees (if applicable)
Terms, including how long you have to pay it back

“A personal loan makes sense when you know how much money you need to borrow,” says Pascarella. “Borrowers like this approach because there’s a clear end date when that debt will be fully paid off, and the fixed monthly payments make the loan easy to add to a household’s budget.”

Personal loans are generally unsecured, which means that the main deciding factor in approval is your credit score. The higher your credit score, the more likely you are to be approved at the lowest interest rate available. For bad and fair credit borrowers, you may have a harder time getting approved and if you do, it could be for a higher interest rate.

If you are having difficulty qualifying for an unsecured personal loan, some banks offer secured loans. Secured personal loans are collateral-backed just like other types of secured loans, but for personal loans they are a little different. They are backed by your savings accounts or your certificate of deposit (CD) account. Your loan will usually be a percentage of the account balance, which is determined by the bank or financial institution you go with.

Personal loan interest rates are generally lower than lines of credit, but it depends on your creditworthiness and responsibility as a borrower to prove that you should get the lowest interest rate available.

When is a personal loan better than a line of credit?

A personal loan may be preferable to a line of credit if:

You know exactly how much you need. If you have a specific goal in mind, like buying a new device or paying off an unpaid medical debt, a personal loan might be what you need to cover your expenses.
You want to make regular monthly payments. Personal loans tend to have fixed interest rates, meaning you’ll pay the same amount each month for the life of the loan. If you have a strict budget with very little wiggle room, a personal loan might be a better option.
You are consolidating debts. If you have a lot of unpaid debts with high interest rates, you can consolidate them with a personal loan. You will borrow the full amount you wish to repay. When you receive the money in a lump sum, you pay off all your debts and then make a single monthly payment to your new lender.

Example of personal loan

Let’s say you are planning a wedding reception and the venue requires half of the initial costs. While you may have saved a little for your big party, you may not have enough to cover the big one-time expenses. You can take out a personal loan to cover the room deposit and then make manageable monthly payments to pay it off.

What is a line of credit?

A line of credit is a flexible financing option you can use if you need revolving access to cash.

With a line of credit, your lender determines the maximum amount you can borrow. Then you can borrow as little or as much as needed, up to the maximum. In most cases, if you pay off the entire balance before the monthly due date, you can avoid paying interest. You will need to make minimum monthly payments to stay in good standing. You only pay interest on the amount you borrow, not the total amount you are approved for.

Most lines of credit are unsecured, which means you don’t need collateral. A credit card is a good example. Lenders use your credit history, credit score and other factors to determine how much you can borrow and at what interest rates. However, some lines of credit, such as home equity lines of credit (HELOCs), are secured, using your home as collateral.

Personal lines of credit have a drawdown period, during which you can borrow as needed and start making payments. Then there is a repayment period during which you cannot borrow again until the balance is paid in full. Credit cards allow you to borrow up to the maximum amount you are approved for. If you reach this limit, you can’t borrow any more until you make payments that reduce the principal balance.

“If you’re looking for flexibility in how much you borrow, when you borrow those funds, or in your repayment plan, a personal line of credit is a good choice,” says Pascarella. “You can also pay off the debt on your desired schedule, provided you meet the minimum monthly payments.”

When is a line of credit better than a personal loan?

A line of credit is a good idea if:

You don’t know how much money you will need. If you have a vague idea of how much you want to borrow, but think you need more, a line of credit gives you the flexibility to use more when you need it.
You can pay in full. Personal lines of credit and credit card interest rates tend to be higher, on average, than personal loans. Interest rates are applied when you carry a balance from month to month, so if you pay off your balance in full by the due date, you can essentially borrow without interest.
You want to use it long term. Lines of credit can be held for many years. For personal lines of credit, this could be around 15 years, while you can keep credit card accounts for decades. If you want the ability to withdraw from the account for many years, a line of credit is a better choice.

Example line of credit

Suppose you are getting married and, apart from a large deposit, your florist and caterer also need deposits for the big day. With many expenses coming up at once — and some you’re not sure about — you can use a personal line of credit to transfer money to your bank account and make your deposits on time.

You can also use a credit card to cover minor expenses throughout the wedding planning process or to make a major purchase with generous cashback offers. For example, you can use a travel credit card to book the honeymoon and by doing so you will earn a free flight with the points you have earned.

Personal loan market: check if you are pre-approved

American history

By

James L. Roussel

-

July 27, 2022

0

Select’s editorial team works independently to review financial products and write articles that we think our readers will find useful. We earn commission from affiliate partners on many offers, but not all offers on Select are from affiliate partners.

Personal loans can be of great help when it comes to obtaining funds for major expenses, especially in times of need. And while there are lenders out there who cater to a variety of circumstances – having a bad credit rating or needing a debt consolidation loan, for example – it’s always a good idea to see if you’re ready. -approved before submitting your application.

Getting pre-approved can help you get a better idea of the interest rate you might be charged and what your monthly payments might look like so you can determine if they’re within your current budget. Taking out a loan with a much higher monthly payment than you can afford is never a good idea because it means you run the risk of not paying and lowering your credit score.

That’s why Select has launched the new Personal Loans Marketplace. It’s free and can be completed in less than a minute, connecting you with the personal lenders that best meet your financial needs.

All you have to do is select your credit score range: Excellent (720+), Good (660–719), Fair (620–659), or Poor (below 620). The tool does not conduct any in-depth investigation, so your credit score will not be affected by your checking to see what you are pre-approved for.

Next, fill in your zip code and select the reason for your personal loan request, which allows you to be matched with a lender who offers loans for this purpose. You will be able to choose from debt consolidation, credit card refinancing, student loan refinancing, home renovation, medical and dental care, and more.

Finally, enter the amount of money you wish to borrow – different lenders have different minimum and maximum loan amounts, so the tool ensures that you are matched with a lender who can accept the requested amount.

Click here to view Select’s Personal Loan Marketplace

The personal loan marketplace then populates a list of lenders that best match your needs. You’ll also find the length of term offered, as well as the interest rate you’re likely to receive based on your credit score range and your estimated monthly payment.

You can also use the tool to estimate your monthly payments based on small changes – for example, raising your credit score to the next highest score range before you apply or asking for a little less or a little more money . This way, you can feel as prepared as possible to start making payments comfortably once you’ve been approved and funded.

If you’re thinking of borrowing money for that home improvement or to float expenses for an upcoming wedding, among other reasons, try the personal loan market to get started.

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.

National Museum to Rehabilitate Heritage Sites Damaged by Magnitude 7 Earthquake │ GMA News Online

National museum

By

James L. Roussel

-

July 27, 2022

0

The National Museum of the Philippines (NMP) affirmed its commitment to lead collaborative efforts for the rehabilitation and restoration of several heritage sites that were damaged after a magnitude 7 earthquake rocked Abra early Wednesday.

“We commend our partners in local government and the private sector who took the initiative to document the damage they suffered and secure the movable items they contain,” the NMP said in a statement.

“We call for calm and solidarity in this time of emergency and rest assured that your #NationalMuseumPH will remain a reliable partner in rebuilding and preserving our cultural heritage,” he added.

Senator Imee Marcos said several heritage sites and major roads in Ilocos Norte and Ilocos Sur were damaged by the quake.

Among the sites damaged were Vigan Calle Crisologo Houses, Bantay and Laoag Bell Towers, Sarrat Church, Vigan Cathedral and Sarrat Municipal Heritage Hall.

The earthquake struck Tayum, Abra at 8:43 a.m. causing landslides and damaged structures in many parts of northern Luzon.

Aftershocks and damage were expected, but there was no tsunami threat, the Philippine Institute of Volcanology and Seismology said.

During this time, the Museum offered its condolences to the victims of the earthquake.

“The National Museum of the Philippines extends its condolences to all those affected by the 7.0 magnitude earthquake that struck Luzon earlier today. We join our people at this time of great distress caused by the recent disaster,” he said.

The strong earthquake killed at least four people and injured 60 others.

According to the museum, all colleagues stationed at the Ilocos Regional Museum Complex, the Cagayan Valley Regional Museum, the Batanes Region Museum, the Cordillera Rice Terraces Site Museum and the Site Museum Kabayan burial caves are all safe.

“They have since made consistent efforts to assess the effects of the earthquake on our regional facilities and sites. These facilities will be closed to the public for the time being until a full assessment has been made to ensure the integrity of these structures remains intact,” the NMP said.

“Similarly, our researchers and other staff who are currently carrying out archaeological field work in Rizal, Kalinga, are also in safe condition,” he added.—LDF, GMA News

There’s still time to save: 3- and 5-year personal loan rates drop slightly

American history

By

James L. Roussel

-

July 25, 2022

0

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 last seven days prequalified for lower 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 July 18 and July 24:

Rates on 3-year fixed-rate loans averaged 10.71%, down from 11.01% the previous seven days and from 11.45% a year ago.
Rates on 5-year fixed-rate loans averaged 13.59%, down from 13.81% the previous seven days and from 13.11% 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 personal loan rates fell 0.22%, while 3-year loan rates saw a slightly larger drop of 0.30%. In addition to today’s cuts, 3-year fixed rate 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 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

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 June 2022:

3-year personal loan rates averaged 11.1%, down from 11.12% in May.
5-year personal loan rates averaged 13.13%, down from 13.27% in May.

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 June, the average prequalified rate retained by borrowers was:

8.26% for borrowers with credit scores of 780 or higher choosing a 3-year loan
29.39% 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 Military Vehicle Museum will host the screening of “Dear Sirs”

National museum

By

James L. Roussel

-

July 24, 2022

0

(Dubois, W.Y.) – The National Military Vehicle Museum in Dubois, Wyoming, will host screenings of the award-winning, Wyoming-produced film “Dear Sirs” on Saturday, August 6.

“Dear Sirs” tells the story of Wyoming filmmaker Mark Pedri, who traces his grandfather Silvio’s journey through World War II as a prisoner of war.

It was only after Silvio’s death that Mark found an archive of old photos, letters and documents detailing Silvio’s journey as a POW during World War II. The discovery inspired Mark to cycle over 500 miles across Europe, following the original POW transport routes, to tell his grandfather’s story and better understand the man behind him. helped raise him.

Screenings of the film will take place at the Museum at 11 a.m. and 2 p.m. with a special filmmaker Q&A at 3:30 p.m. There will be no additional cost to view the film or participate in the discussion that will follow. Guests who also wish to visit the museum will be subject to normal admission fees. Veterans and active duty military are still admitted free. WyomingPBS and Wyoming Humanities are supporting the film’s Wyoming Screening Tour, and a trailer for “Dear Sirs” can be seen on the film’s website dearsirsfilm.com.

The National Museum of Military Vehicles is a military history museum located 80 miles east of Jackson Hole and Yellowstone. The museum’s main building opened in August 2020 and highlights the American experience during World War II, the Korean War, and the Vietnam War.

Do you have a news tip or a great photo to share?

Correlli Barnett Obituary | history books

History books

By

James L. Roussel

-

July 22, 2022

0

Military historian Correlli Barnett, who died at the age of 95, was a prolific and controversial writer. His books took aim at the myths surrounding Britain’s wartime exploits, in particular the way its armed forces were run during the First and Second World Wars.

Barnett – or “Bill” as he was universally known – believed that Britain’s political and military leaders, and the mandarins who provided them with administrative support, were routinely guilty of abysmal incompetence during times of conflict, and that Repeated failures to learn lessons or enact reforms had contributed to Britain’s decline as a nation.

He made a name for himself in 1960 with The Desert Generals, in which he attempted a daring attack on most of the senior British commanders who fought the North African campaign in World War II, accusing them of amateurishness. and opposing their efforts unfavorably to those of the Germans. His criticisms extended to Field Marshal Bernard Montgomery, who had generally been considered the hero of the campaign, but exonerated Montgomery’s predecessor, Claude Auchinleck, who he claimed had indeed defeated Axis forces in the first battle of El Alamein before succeeded by Montgomery. Montgomery’s most famous victory in the Second Battle of El Alamein was, he argued, unnecessary as the impending Anglo-American invasion of North Africa (Operation Torch) would have forced the Germans to retreat anyway. .

Correlli Barnett rose to prominence with The Desert Generals (1960), a daring attack on senior British commanders in North Africa during World War II

Barnett’s irreverent treatment of Montgomery and the British Eighth Army enraged some, but the book’s success encouraged him to tackle other military myths in The Swordbearers (1963) and Britain and Her Army (1970). ), in which he challenged the idea that sea power had obviated the need for an effective army to safeguard Britain’s interests in Europe.

There followed three impressive volumes tracing the decline of Britain from the mid-19th century to the 1950s. In The Collapse of British Power (1972), he traced the sources of decadence to mid-era evangelicalism. Victorian culture and the rise of public schools, with their overriding concern to produce ‘gentlemen’, steeped in the classics, at the expense of useful learning linked to industry and science. As a result, he argued, Britain had lost its competitive advantage in national and international affairs.

According to him, Britain’s decline as a manufacturing, trading and imperial power was already evident in 1900 and was even more cruelly exposed during the First World War. Germany, since Bismarck, had provided the example of a modern and efficient state, oriented towards science and technology, which Great Britain had failed miserably to imitate.

These themes were developed in the second volume, The Audit of War (1986), in which Barnett deftly deployed a great deal of evidence, including from official reports, to challenge the deeply rooted myth of Britain’s splendid record in matters of war. production, innovation and management. during WWII.

Third, in The Lost Victory: British Dreams, British Realities, 1945-1950 (1995), Barnett pointed out that Britain did not win World War II but was simply on the winning side. Old failings in domestic and foreign policy have not been corrected, he said; indeed, things were getting worse. The post-war reformers’ dream of creating a New Jerusalem had turned into the sad reality of an “under-literate, unskilled, unhealthy, institutionalized proletariat hanging from the nipple of state motherhood.” This brief summary does little justice to Barnett’s mastery of a mass of evidence, his array of targets and his savage invective, such as describing British strategy after 1945 as “all fur coat and no breeches”.

The Audit of War was particularly influential as some of its ideas were taken up by Conservative political theorist Keith Joseph, who became a minister under Edward Heath and then Margaret Thatcher. In general, however, Barnett was more successful in provoking discussion than in gaining acceptance for his concepts or providing workable remedies. Even sympathetic critics pointed out that Britain’s power base was still relatively weak and that this decline was inevitable sooner or later. They also wondered why other nations, such as France and Italy, had also declined without Britain’s alleged cultural handicaps.

Perhaps most disturbing to many was Barnett’s unabashed embrace of 20th-century Germany as a model; a military-industrial-educational complex designed to preserve and strengthen its power in a relentless, Hobbesian struggle with ruthless competitors.

Barnett was born the only child of Douglas, a banker, and his wife, Kathleen, in Croydon, south London, and was educated there at Trinity School before earning a degree in modern history at Exeter College, Oxford. He was simply too young to fight in the Second World War, but did his military service in the Intelligence Corps from 1945 to 1948, after which he worked for the North Thames Gas Board until 1957, followed by a period in public relations until 1963. Thereafter he spent many years earning a living as a historian and freelance writer, including in 1963-64 as a consultant and contributor to the innovative BBC series Television The Great War, also later working in a similar role on two other BBC series, The Lost Peace. (1965-66) and The Commanders (1972-73).

He also enjoyed exceptional success as a part-time custodian of the archives of Churchill College, Cambridge, between 1977 and 1995, playing an important role in the acquisition of Winston Churchill’s papers after many years of wrangling over their financial worth. and their destination. In the early 1980s he was appointed as a lecturer in defense studies at the University of Cambridge – but quit after three years in order to devote more time to his writing.

He was appointed BCE in 1997.

Although those who did not know him might have expected the angry tone of many of Barnett’s publications to go hand in hand with an angry personality, that of a Colonel Blimp-ish, in fact he was about as far from this image that one could have imagined. Despite his irritation at inefficiency in public life, he was remarkably even-tempered and cheerful, generous with his time to answer questions and help his friends. He retained almost childish looks in old age, and with them a youthful exuberance and a sense of fun.

With his wife, Ruth Murby, whom he married in 1950, Barnett spent most of his time in East Carleton, Norfolk, where his hobbies included gardening, home decorating and mole hunting. He also enjoyed traveling through France, although an aversion to flying restricted further adventures.

Ruth passed away in 2020. He is survived by their two daughters.

World War I graphic novel discovery could rewrite the history books

History books

By

James L. Roussel

-

July 22, 2022

0

Traditionally, ‘graphic novels’ are thought to be a relatively recent phenomenon, with American cartoonist Will Eisner’s 1978 book A contract with God and other building stories generally acclaimed as the first of its kind.

However, the hitherto unknown Journey and Adventures of a Good Little German in Kangaroolanda five-part autobiographical graphic novel from 1916-19 recently donated to the University of Adelaide Library’s Special Collections, may well rewrite the history books.

For comic book enthusiasts, the term “graphic novel” is sometimes dismissed as a marketing term – a way of making seemingly simple comic books (which originated in the early 1900s, initially as strip collections newspaper comics) more palatable and acceptable to a wider readership.

Others would say that graphic novels have evolved into a distinct and sophisticated art form, a unique combination of text and sequential visual storytelling capable of rich and compelling expression – typified by works such as Art Spiegelman Maus (1980), by Alison Bechdel Fun Home: A Tragicomic Family (2006) and in Australia, the Stella Prize of Mandy Ord in selection When one person dies, the whole world is over (2019), Pat Grant’s Cave (2020) and NSW Premier’s Literary Award-winning Book of the Year, Still Alive: Notes from the Australian Immigration Detention System by Safdar Ahmed (2021).

Now researchers at the University of Adelaide believe they have discovered (or rediscovered) the world’s first autobiographical graphic novel.

Journey and Adventures of a Good Little German in Kangarooland

Drawn by C. Friedrich, a previously unknown German cartoonist while he was detained between 1916 and 1919 in an Australian internment camp, the rare publications are kept in the special collections of the university library.

Journey and Adventures of a Good Little German in Kangarooland was given by a former student of the university and has been studied extensively by Dr. Aaron Humphrey, Lecturer in Digital Media and Humanities, and Dr. Simon Walsh, Lecturer in German Studies, of the School of Humanities from the University of Adelaide.

‘Journey and Adventures of a Good Little German in Kangarooland, features an autobiographical character who begins a new life in Australia. Upon arrival he is suspected of being a spy during World War I and is sent to Holsworthy internment camp in Liverpool, New South Wales, the same camp where Friedrich was held,” Humphrey said. .

“While autobiographical graphic novels have become a very popular literary genre during the 21st century, their history is generally assumed to begin with underground comixes – small presses or self-published comic strips – in the 1970s. This discovery, dating back to nearly half a century earlier, calls this history into question.

“We believe this collection of autobiographical comics may be the first of its kind: perhaps the earliest known example of what we would today call an autobiographical graphic novel,” he said.

The cover of Journey and Adventures of a Good Little German in Kangarooland. Picture provided.

Humphrey is presenting his and Walsh’s research at Comic-Con International 2022 in San Diego, which runs Thursday, July 21 through Sunday, July 24.

The comic paints a portrait of life and struggles in the camp. University experts say this topic is still relevant today.

Walsh said, “Friedrich’s stories emphasize the struggles of inmates and underscore the human and emotional cost of borders. Differences in language and national identity are not insurmountable. Instead, it is the draconian fences, bayonets and detention systems that are enacted without just cause that separate people from each other and their common humanity.

“It is a remarkable document of the German-Australian experience during the First World War, an important part of Australia’s cultural heritage, and is of international significance as an early example of one of the great literary innovations of the XXth century.”

A significant discovery

Whether Friedrich’s comics are graphic novels or not, a subject that is sure to be discussed at length in the weeks and months to come, their discovery is certainly an important addition to the history of the art form. in Australia.

As Melbourne-based comic book artist, publisher and critic Bernard Caleo told ArtsHub: “It’s an important discovery that fits into the tradition of comics in Australia (think Melbourne Punch of 1855 and Sydney The bulletin, from 1880) but broadens it considerably due to the personal, rather than satirical or humorous, use to which the mixture of words and images from the books is devoted.

“Indeed, it was only in the underground of the 1970s (think of the American Justin Green Binky Brown meets the Blessed Virgin Mary1972) that the idea of using comic book language to bare one’s soul reached a wider audience, leading to the work of Art Speigelman Maus (1986).

‘And although I must admit that I am one of the editors of the book, the graphic novel by Safdar Ahmed Still alive (Twelve Panels Press, 2021), combining as he does autobiography with accounts of incarceration in Australia, in this case of asylum seekers, can now be seen as part of a tradition of Australian journalistic cartooning dating back over a hundred years old,’ Caleo said.

Lily: The many Australias of our graphic novels

C. Friedrich has since fallen into oblivion, and it is unclear whether it was his real name or a pseudonym.

Despite this, her work lives on in the University Library’s Special Collections, thanks to a recent gift from University of Adelaide alumnus Sally Goers Fox on behalf of the Goers family.

As Goers Fox explained, “The comics were brought from the internment camp by my great-uncle, Hermann Carl “Charlie” Goers, the editor of a local Barossa Valley newspaper, who was imprisoned alongside Friedrich due to his German background, although he was born in Australia.

“I have donated the comics to the University of Adelaide to ensure that the history of the camps and the experiences of the prisoners are remembered. It is appropriate that the comics be kept in the university library where they will be read, sought and enjoyed for years to come.

His gift, consisting of five small books, is the only complete collection of Friedrich’s five books known to exist.

The University Library’s Special Collections has digitized the five books, which are accessible via Adelaide Connect. Adelaide Connect is open access to historical resources, making these books accessible to anyone, anywhere in the world.

Dr. Humphrey and Dr. Walsh published their findings in the International Review of Comic Book ArtVolume 22 number 2 (2021).

The historical collection could head to the national museum

National museum

By

James L. Roussel

-

July 22, 2022

0

Mike Mulhern began collecting presidential campaign buttons six decades ago, and one of the nation’s most prominent museums took notice of his collection.

PONTE VEDRA BEACH, Fla. — From stamps to baseball cards and even coins, many of us had collections growing up.

While these collections may have been important to the person who owns the collection, that is often where the interest ends. A man from Ponte Vedra beach has caught the eye of one of the most famous museums in the world.

His dining room is a page of history, frozen in time, or at least enclosed under glass, which suits the former history teacher. To say that Mike Mulhern has a collection is an understatement.

“I like the ones where you flash them back and forth,” Mulhern said. “They’re lenticular, you flash them back and forth, they have an image one way and another image.”

From Benjamin Harrison to George Bush, LBJ and the other George Bush, Mulhern’s Presidential Campaign Button Collection contains items dating back to Martin Van Buren in 1837. The Presidential Campaign Button Collection began as a pass- time for Mulhern in the 1950s.

“Eventually you pull out these antennae, and all of a sudden you see the pimples everywhere,” Mulhern said.

And as his collection grew, so did his thirst for rare pieces.

“Wherever a presidential candidate shows up, Mike will show up,” Mulhern joked.

The Ponte Vedra Beach resident has campaign buttons from 31 different US presidents, and he’s actually met or been in the audience for nine of them. Mulhern has seen Jimmy Carter four different times.

“We went to his Sunday school class in Plains Georgia, and he posed for a picture,” Mulhern said, “we were especially thrilled about it.”

Some items in his collection are so rare that the Smithsonian took an interest in some of his pieces.

“I wish my grandkids and great-grandkids would go on a field trip to DC with their class and be able to say, this is Grandpa’s collection,” Mulhern said.

A legacy of plastic, tin and paint preserved from American history. A passion for almost six decades, ready to be shared with the world.

RELATED: ‘Van Zant House’, Lynyrd Skynyrd’s Childhood Home, .38 Special Is For Sale

RELATED: Jimmy and Rosalynn Carter celebrate 76 years of marriage today!

Interest rates on 3-year personal loans drop below 11%

American history

By

James L. Roussel

-

July 21, 2022

0

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 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 July 14 and July 20:

Rates on 3-year fixed rate loans averaged 10.40%, down from 11.16% the previous seven days and from 11.45% a year ago.
Rates on 5-year fixed-rate loans averaged 13.75%, down from 13.62% the previous seven days and from 13.11% 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 personal loan rates plunged 0.76%, while 5-year loan rates rose 0.13%. In addition to today’s drop, 3-year loan rates are lower than they were a year ago. Borrowers can enjoy interest savings now with a 3-year personal loan.

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

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 June 2022:

3-year personal loan rates averaged 11.1%, down from 11.12% in May.
5-year personal loan rates averaged 13.13%, down from 13.27% in May.

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 June, the average prequalified rate retained by borrowers was:

8.26% for borrowers with credit scores of 780 or higher choosing a 3-year loan
29.39% 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 presents the cultural innovations of Mesopotamia

National museum

By

James L. Roussel

-

July 21, 2022

0

The “Head of a Ruler” sculpture is displayed in the second section of the exhibition “Mesopotamia: Great Cultural Innovations, Selections from The Metropolitan Museum of Art”. The exhibition started on July 22 and will run until January 28, 2024. [YONHAP]

Mesopotamia was the first civilization in human history to develop and use a form of writing, plant cereals, use mathematics, and create what we now call a city.

Although it is considered one of the world’s first civilizations, impacting and inspiring the development of human civilization, its achievements have been less known because it has not received the same level of attention as some other ancient civilizations, such as the Egyptians. or the Romans.

The rich cultural heritage of Mesopotamia from the fourth millennium BCE to the sixth century BCE, which many Koreans could only access through textbooks, is now on display in the new Mesopotamian Gallery at the National Museum of Korea.

General manager Yoon Sung-yong, who was appointed last week, speaks at the expo’s press conference on Thursday. [YONHAP]

Aiming to showcase various cultural heritages, the National Museum of Korea in central Seoul operates the World Art Gallery on the third floor. It has opened two exhibitions so far, showcasing Egypt’s legacies from 2019 to last year and world ceramics in 2021.

From July 22 to January 28, 2024, a new exhibition titled “Mesopotamia: Great Cultural Innovations, Selections from the Metropolitan Museum of Art” was held. It was co-organized with the Metropolitan Museum of Art in the United States, which has a world-class collection of Mesopotamian artifacts.

An administrative account with entries regarding malt and barley groats, dating from 3100-2900 BCE [METROPOLITAN MUSEUM OF ART]

Nearly 70 artifacts are on display, which are “some of the most remarkable works of art made by the various people who for millennia inhabited the lands called Mesopotamia, modern-day Iraq and adjacent regions,” Yelena said. Rakic, curator at the Department of Antiquity. Near Eastern Art at the Metropolitan Museum of Art, who attended Thursday’s press opening at the National Museum of Korea. “These cultures and their innovations have indeed been formative and transformative, as the exhibition presents and explains so well.”

Rakic said the Met was able to loan the artifacts to the National Museum of Korea as the museum will undergo a “complete reimagining, both physical and narrative, of the galleries and the collection we manage” over the next few years. .

“During this period, very few works of art will be accessible to the public, so it is extremely gratifying that some of the best works are on display here in Seoul,” she added.

The exhibition is divided into three sections — Cultural Innovations, Art and Identity, and Art in the Age of Empires.

The ‘Cultural Innovations’ section looks at the rise of cities, religion and rituals as well as the invention of cuneiform (an ancient writing system) and seals.

A dialogue document regarding succession and inheritance dating from 547 BCE [METROPOLITAN MUSEUM OF ART]

“A series of fundamental developments that took place in southern Mesopotamia at the end of the fourth millennium BCE changed the way people related to each other – their environment and their knowledge itself,” said said Yang Hee-chung, curator of the exhibition. “The invention of the cuneiform writing system, which was quickly used for both economic and epistemological purposes, notably marked the beginning of history.”

The Uruk period (4200-3000 BCE), named for Uruk in southern Iraq, witnessed the spread of these developments across the wider Near East to modern-day Syria, southern Turkey and western Iran. The script was used to record details of business and commercial transactions, develop abstract concepts, and systematically organize knowledge of the surrounding world.

Cylindrical seals were also invented around the same time. The exhibit features 13 clay cuneiform tablets and 11 seals. The sophistication of the carvings on these clay cuneiform tablets can also be seen as the museum has stamped them on clay tablets to help visitors see them more vividly. There is also a kiosk offering interpretations and explanations of each tablet.

Statue of Gudea dating from 2090 BCE [METROPOLITAN MUSEUM OF ART]

In the “Art and Identity” section, various works expressing individual identity are exhibited. A centerpiece of this section is the statue of Gudea, which dates back to 2090 BCE. It is a diorite sculpture of the Gudea, ensi, or ruler, of the city-state of Lagash. He commissioned this sculpture to commemorate his renovation of the temples of Lagash, as shown in the Sumerian inscription on his skirt.

However, Yang said he looked nothing like the sculpture.

“The sculpture is said to have been sculpted to resemble a ruler’s ideal,” Yang said. “That’s why there is an inscription engraved on the body revealing who it looks like, because no one could tell who it is by looking at the carving.”

Another eye-catcher is the bust of a different ruler, titled “Head of a ruler”.

It is a life-size representation of a man with an elegantly groomed beard, a well-trimmed mustache and a turban on his head.

“The innovative technology and expensive material of the copper casting indicate that it was likely commissioned by a ruler or someone of elite status,” Yang said. “The highly naturalized features suggest this may be a portrait of a specific individual, making this a rare example of a Mesopotamian portrait.”

Votive figurine of a man whose hands are joined at his waist in a pious gesture. Meanwhile, wealthy donors commissioned votives to be installed in temples as dedications to their gods. The figurine dates back to 2600-2350 BCE. [NEWS1]

Two panels with marching lions that lined the Processional Way from the Ishtar Gate, the best-known architecture of ancient Mesopotamia, are displayed in the third section of the exhibition. [YONHAP]

The final section “Age of Empires” features artwork from the two major Mesopotamian empires – the Neo-Assyrian Empire (911-612 BCE) and the Neo-Babylonian Empire (626-539 BCE) ). These two empires emerged in the second half of Mesopotamian civilization. The Neo-Assyrian Empire is known for its magnificent stone relief carvings that adorned the interiors of palaces, while the Neo-Babylonian Empire was famous for masonry. The famous prowling lions that lined the Processional Way to the Ishtar Gate can be seen in this section, although only two out of 120 lions have made it to Korea.

Admission to the exhibition is free.

BY YIM SEUNG-HYE [[email protected]]

AK Smiley Public Library receives donation of children’s story books – Redlands Daily Facts

History books

By

James L. Roussel

-

July 20, 2022

0

The Arrowhead Valley Chapter of the Daughters of the American Revolution recently donated history books to the AK Smiley Public Library at Redlands Young Readers Hall.

This is the third year the chapter has donated books through its Historic Preservation Committee, according to a news release.

Kathleen Beall is Chair of the Historic Preservation Committee.

Don McCue, director of the AK Smiley Public Library, and Pamela Martinez, youth services librarian, met members of the Arrowhead Valley chapter when they delivered donated books to the library on July 15.

The Arrowhead Valley Chapter is part of the National Society Daughters of the American Revolution, a nonprofit, apolitical voluntary women’s service organization founded in 1890. The organization focuses on education, preservation of history American and the promotion of patriotism.

Members are direct descendants of those who supported the cause of independence during the Revolutionary War.

Patricia Westerfield was recently elected Regent of the Arrowhead Valley Chapter, which meets monthly in Redlands and includes members who live or work in the Inland Empire.

Other new board members are Joanne Morse, first vice-regent; Diane McCalmon, Treasurer; Lou Ann Strachan, Chaplain Cassie Sands, Recording Secretary; Karen Prevost, correspondent secretary; Michelle Lombardo, Registrar; Carolee Taylor, historian; and Ruth Ann Nydam, librarian.

In anticipation of the 250th anniversary of the United States, coming in 2026, the National Society of the Daughters of the American Revolution has established a committee to plan the organization’s involvement in the celebration.

The Arrowhead Valley Chapter invites women of the Inland Empire to research their lineage and consider DAR membership if eligible, and to help plan events to celebrate the nation’s 250th anniversary.

For more information on the Arrowhead Valley DAR Chapter, visit arrowheadvalley.californiadar.org.

Personal loan market • Benzinga

American history

By

James L. Roussel

-

July 20, 2022

0

A personal loan is a great financial tool that can be used to start almost any plan. Personal loans can be for any purpose, unlike mortgages or auto loans which can only be used for homes or cars.

If you are looking for a personal loan, a loan market is a great place to look. A loan marketplace will automatically compare and filter all available loan options to best suit your needs. With a marketplace, you’re sure to find the most competitive borrowing options and secure financing as quickly as possible.

How does a personal loan marketplace work?

Personal loan marketplaces filter and search through a network of lenders to find you a match based on your preferences. Lenders include both traditional institutional lenders and individual investors willing to lend their money. Even better, getting funding through a marketplace can be more accessible, as many marketplaces like MoneyLion show more than just a credit score.

The loan process

The lending process on a marketplace is slightly different from the traditional process. To get started, you will first need to find an online marketplace and then complete the application. The app will help the platform better understand what you are looking for to properly filter through its network of possible loans. A few seconds after submitting your application, the marketplace refines your search and displays your best quotes. From there, you can choose the loan that seems best to you. Then, all payments and transactions will be processed digitally by the platform.

Competitive rates

Because marketplaces have a wider variety of lenders, you have more choice. Therefore, you will have a better chance of finding the most competitive interest rates. Interest rates are an important factor when choosing where to get a personal loan, as the cost of borrowing can save or lose you money. Searching through the different personal loan options and comparing rates can be time consuming. A loan market automates this search.

Get financing even with poor credit

Thanks to the personal loan markets, even those with poor credit have the opportunity to obtain financing. Depending on the market you are using, you will differentiate the factors considered before getting approved for a loan. Some markets offer loans without a credit check, and others will look at both your credit history and other factors. If you have a low credit score but need a personal loan, a market may be your best option.

Convenience

One of the biggest benefits of a personal loan marketplace like MoneyLion is convenience. Not only does this save you hours of researching and comparing options, but you can also receive your funds almost immediately. The registration process is fast and will give you results in less than 30 seconds. Even if you’re considering personal loans from traditional institutions, it’s worth checking out a loan market to see what rates they offer.

Peer-to-peer lending vs. Marketplace

Often the terms peer-to-peer (P2P) lending and market lending will be used interchangeably. However, the two differ. Unlike market loans which are pooled by individual and institutional investors, P2P loans are only funded by individuals.

How to Make the Most of a Personal Loan Market

Using a personal loan marketplace has many advantages. Make the most of a personal loan market by following these tips:

Use multiple marketplaces: Using several marketplaces is a good idea before taking out a loan. Because marketplaces are programmed to find you the best deals from their network of lenders, marketplaces like MoneyLion may give you different results. Given the speed and ease of obtaining quotes on one market, it is worth comparing offers on several markets.

Apply several times: Because marketplaces are automated to give you results based on your application, responding differently each time will cause results to vary. If you are able to be flexible with some of your needs, such as the time frame or the amount of annual payments you want to make, you may find yourself faced with more competitive loan options.

Best uses for a personal loan

One of the reasons personal loans are so great is that they can ultimately be used for just about any purpose. However, just because you can doesn’t mean you always have to. Here are some of the best uses for a personal loan.

Debt Consolidation: Debt repayment is one of the main reasons for taking out a personal loan and can be a great tool. Rather than making separate monthly payments, you can pay off your debt in full using a personal loan and then continue to make payments on the loan while being free of other debts.

Emergency: Life can be unpredictable and sometimes you will find yourself in an emergency situation. Whether it’s a leaky roof or a sick family member, personal loans can be a great safety net to protect your health and safety.

Frequently Asked Questions

Which bank easily grants personal loans?

1

Which bank easily grants personal loans?

asked 2022-07-20

Jungyun Kim

1

USAA is considered the easiest bank to get a personal loan because it has no minimum credit score requirement.

Answer link

replied 2022-07-20

Benzinga

What is the easiest loan to get?

1

What is the easiest loan to get?

asked 2022-07-20

Jungyun Kim

1

Generally, payday loans and other short-term loans are the easiest to obtain.

Answer link

replied 2022-07-20

Benzinga

The National Museum welcomes summer interns

National museum

By

James L. Roussel

-

July 20, 2022

0

Six Bermudian students participate in the National Museum of Bermuda’s [NMB] summer internship program this year to gain hands-on work experience and training in all aspects of museum work, including learning best practices in heritage management, as well as deepening their understanding of Bermuda’s diverse history.

Through the program, NMB interns learn historical research skills, such as how to conduct archival research and historical investigation; collection management techniques, including how to access artifacts, and how to manage and document artifacts; and outline installation procedures.

NMB curator Dr Deborah Atwood, who manages the internship programme, said: “Interns are an integral part of the Museum team, assisting with collections management, curatorial, research and exhibition projects. . Bermuda’s cultural heritage sector has a bright future with these talented and enthusiastic students.

Dominique Williams, Samantha Stempel, Jaylen Simons, Hana Bushara, Yusef Bushara and Amani Simons

A spokesperson said: ‘As part of the programme, trainees are encouraged to develop academic and public history writing skills. They are invited to submit articles for the NMB’s online blog, the annual MARITimes members’ magazine, and the NMB’s public and scholarly history journal, the Bermuda Journal of Archeology and Maritime History.

“Each intern is assigned a main research project based on their interests and studies of objects and documents in the NMB collections. Their research informs the development of exhibits and resource guides for teachers and students. NMB interns also explore other cultural sites and institutions around the island as an introduction to Bermuda’s network of cultural heritage professionals and institutions.

Former NMB intern, now Curatorial Assistant, Chynna Trott said, “The skills I learned at the Museum enhance my understanding of Bermuda’s history and the history of the Atlantic world in the sense wide. The internship was invaluable in clarifying my chosen field and allowing me to build relationships with museum professionals. These relationships have allowed me to feel more confident in my academic journey while providing me with support in my professional career”.

Projects the 2022 interns are involved in include creating a teacher resource guide on piloting in Bermuda; research on a maritime subject or object of their choice in the NMB’s collection; research on the role of oral histories versus archived and recorded histories; the relocation of the Museum’s extensive collection of shipwrecks and underwater cultural heritage and the transcription work of the Museum’s oral history collection.

Curatorial Assistant NMB Chynna Trott

NMB Bermuda July 2022 (2)

A spokesperson said: “The 2022 NMB trainees come from a wide range of backgrounds, from history and English to communications and science. Dominique Williams is completing a Bachelor of Science, Biology, at St. Francis Xavier University [Nova Scotia, Canada]; Samantha Stempel studies psychology at Bryant University [Rhode Island, US]; Jaylen Simons studied Classics and English at King’s College London [United Kingdom]; Hana Bushara received her BA in Global Studies from St. Lawrence University [New York, NY] and is currently working on her Masters in Strategic Communications at the London School of Economics and Political Science [United Kingdom]; Yusef Bushara studies political humanities at Sciences Po/Hong Kong University [Hong Kong]; and Amani Simons is a student of Ancient, Medieval and Modern History at the University of Kent, Canterbury [United Kingdom].

Hana Bushara said, “My motivation to participate in the NMB Internship Program stems from my passion and interest in communication and media studies, as well as my desire to contextualize the current social and political landscape of Bermuda by gaining a better understanding of the history of our island. . Awareness of the past through which we emerged is paramount to the positive growth of Bermuda. I am delighted to be mentored by passionate history practitioners, as well as working alongside a group of interns who are passionate about Bermuda”

Yusef Boushara said: “I am thrilled to be part of the summer intern cohort at the National Museum and to learn from some of Bermuda’s best in all things history! My interests lie in learning more about how Bermuda’s cultural heritage is constructed and preserved, what our framing biases have been historically, and what pressures must be exerted institutionally to make our narrative of the fuller and more inclusive story.

Jaylen Simons said: “I first applied to intern at the National Museum of Bermuda after visiting the museum and the casemates in high school. That summer, I volunteered as an intern, helping with conservation projects and research. Since then, my interest in Bermuda history has grown, and being an intern at the Museum has allowed me to research and learn more about Bermuda history and explore topics that interest me. particularly interest. The internship also allowed me to gain experience and get research jobs in academia, working with professors and universities.

Dominique Williams said: “I applied for the NMB internship this summer mainly because history, genealogy and research is a hobby of mine and after seeing the museum’s family album initiative, I thought how can I get involved this summer to learn more about the history of Bermuda. And it’s more than I could have imagined, spending every day learning with so many dedicated historians has been amazing! I would recommend a museum internship to anyone who is dedicated to learning about Bermuda’s history and our connection to the rest of the world or who simply wants to gain experience working in a museum environment.”

Amani Simons said: “I chose to do an internship at the Museum because I am studying history at university. Doing this internship showed me how interconnected the world is and where Bermuda fits into it. I learn new things every day and it has helped broaden my perspective on not only Bermuda history, but world history as well.

Samantha Stempel said: “The NMB internship was an eye-opening experience, exposing me to both the long history of the island and my place in that timeline. Not only does this make you appreciate the work of preserving the country’s heritage and culture, but also the importance of sharing it with others.

NMB offers 4-week and 8-week summer internship opportunities for undergraduate and graduate students and new graduates. The internship program is supported by the museum’s annual fund, the Anchor Fund and the Government of Bermuda’s Department of Youth, Culture and Sports. To find out more visit here.

click here Bermuda National Museum of Bermuda

Learn more about

#BermudaHistory #GoodNews #NationalMuseumOfBermuda

Category: All, History, News

Woo Sang-hyeok leaps into the history books with world championship silver

History books

By

James L. Roussel

-

July 19, 2022

0

SEOUL, July 19 (Yonhap) — Every time South Korean high jumper Woo Sang-hyeok steps onto the pitch, he seems to be making history for a country that has long missed finding its first international star. athletics.

Woo’s last stunt came at the World Championships in Athletics in Eugene, Oregon on Monday (local time), where he jumped into the history books with his silver medal.

Woo cleared 2.35 meters to equal his own national record and finished just behind Mutaz Essa Barshim of Qatar, who won his third consecutive world title at 2.37m. Woo’s silver is the best performance by a South Korean in any event at an outdoor world championship.

Woo, 26, is only the second South Korean athlete to medal at the world outdoor championships, after walker Kim Hyun-sub. The main difference is that Woo will step onto the podium the same year he won his medal. Kim finished sixth in the men’s 20km walk in 2011 and moved up to bronze eight years later after three athletes above him tested positive for banned substances.

Woo started winning national junior titles a decade ago, but had his first international breakthrough at the Tokyo Summer Olympics last year, where he placed fourth with a national record height of 2, 35 meters. He came within 2 centimeters of co-gold medalists Barshim and Gianmarco Tamberi of Italy. It was still the best Olympic performance by a South Korean in any track and field event, and hinted at even brighter days to come for the rising jumper.

And Woo delivered at every turn. Earlier this year, Woo clinched three indoor titles, highlighted by world indoor gold in Serbia in March. He followed that up with a Diamond League gold medal in May for his first major outdoor title, beating Barshim on his home soil in Qatar, and Woo has sprinkled a few national titles along the way.

Woo arrived in Eugene with the second-highest height in the world this season at 2.33m. The only one ahead of him, Ivan Ivanyuk of Russia, was banned from competition following his country’s invasion of Ukraine, while other athletes with more pedigree, such as Tamberi and Barshim, were outclassed by Woo all year.

Woo was rightfully considered among the top contenders for gold in Eugene, and he provided a taste by finishing tied for first last Friday.

The drama film premiered on Monday, and while it didn’t quite get the happy ending Woo would have liked, it still left with another piece of South American athletics history. Korean in his name.

Although he didn’t win a medal in Tokyo, Woo was one of the most popular South Korean athletes coming out of the Olympics. He entered the national consciousness with his easy smile, exuberant celebrations and “What am I worried about?” approach competitions under pressure and stress.

Over the months that followed, Woo proved he was not just a carefree guy, but a world-class athlete whose competitive fire burned beneath that carefree facade.

Given Woo’s recent streak of performances, his medal in Eugene almost had an inescapable feel, as if Woo was somehow destined to win a medal and only his color remained to be determined on the field.

Although Woo won silver this time around, he will have plenty of chances to win the coveted gold at major events as he enters his prime.

The biennial world championships had been held in odd-numbered years, but the 2021 competition was pushed back to this year due to the COVID-19 pandemic. But the next edition will stay the course and will take place in 2023, followed by the Summer Olympics in Paris in 2024 and other world championships in 2025.

Cardiff Bus launches new route to St Fagans National History Museum

National museum

By

James L. Roussel

-

July 19, 2022

0

NEW BUS ITINERARY: St Fagans National History Museum (Image: Media Wales)

Submitted by Jamjar

From Monday 1 August Cardiff Bus will operate a new route between the city center and St Fagans National History Museum.

St Fagans National History Museum is an open-air museum located four miles west of Cardiff city center and comprises over 40 historic buildings spread over 100 acres of parkland.

Its historic buildings have been salvaged across Wales, dismantled and relocated to the Museum. The museum is open daily and admission is free.

The new 32 service will pass through Canton and Fairwater in both directions and stop at all recognized bus stops along the route. Normal Cardiff Bus fares will apply on this service with daily, weekly, monthly and annual tickets accepted on board.

Bethan Lewis, Head of St Fagans National History Museum, Amgueddfa Cymru – National Museum of Wales, said: “We are delighted that Cardiff Bus is now operating the bus service to the museum. The bus service is an extremely important sustainable transport link for staff and visitors. We look forward to welcoming more visitors who choose to visit us by bus in the near future.

This new route adds to the many places you can visit with Cardiff Bus this summer, including an open-top bus service to Penarth Pier, additional buses to Cardiff Bay, as well as regular services to major destinations. such as Roath Park, Tredegar House, Bute Park and many more.

For passengers traveling with children, the bus operator’s family ticket is discounted on weekends and local school holidays, meaning families of up to 5 can travel all day for just £5.50 £ to Cardiff and Penarth or £8 networkwide.

More information can be found on Cardiff Bus website

Get all the latest news, updates, things to do and more at Cardiffit is dedicated InYourArea Feed

Personal loan rates continue to fall for 3 and 5 year loans

American history

By

James L. Roussel

-

July 18, 2022

0

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 interest rate trends for personal loans from the Credible Marketplace, updated weekly. (iStock)

Borrowers with a good credit application personal loans in the last seven days prequalified for lower 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 July 11 and July 17:

Rates on 3-year fixed-rate loans averaged 11.01%, down from 11.02% the previous seven days and from 10.97% a year ago.
Rates on 5-year fixed-rate loans averaged 13.81%, down from 13.89% the previous seven days and from 13.63% 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 personal loan rates fell a slight 0.01%, while 5-year loan rates saw a slightly larger drop of 0.08%. Borrowers can enjoy interest savings with a 3 or 5 year personal loan now. Additionally, 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

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 June 2022:

3-year personal loan rates averaged 11.1%, down from 11.12% in May.
5-year personal loan rates averaged 13.13%, down from 13.27% in May.

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 June, the average prequalified rate retained by borrowers was:

8.26% for borrowers with credit scores of 780 or higher choosing a 3-year loan
29.39% 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 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 period of 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 temporarily closes the Museum of Anthropology

National museum

By

James L. Roussel

-

July 18, 2022

0

QUEZON CITY, (PIA) — The National Museum of the Philippines has announced that the National Museum of Anthropology in Manila will be temporarily closed to the public starting Monday, July 18, 2022.

The temporary closure must give way to preparations for the back-to-school exhibition of “Magellan, Marilyn, Mickey and Padre Damaso: 500 years of conqueror rock starsby national artist Kidlat Tahimik.

According to the National Museum, the exhibition was commissioned and presented in Spain at Madrid’s historic Palacio de Cristal by the Museo Nacional Centro de Arte Reina Sofía, this exhibition by the famous filmmaker and visual artist managed to attract nearly 500,000 visitors between October 2021 and March 2022.

Several installations depicting the cultural struggles and aspirations of the Filipino people over the past 500 years feature larger-than-life sculptures, all showcasing Filipino craftsmanship.

Visit the Facebook page of the National Museum: https://www.facebook.com/nationalmuseumofthephilippines for updates.

Meanwhile, the National Museum of Fine Arts and the National Museum of Natural History remain open to everyone. Admission is free and walk-in visitors are accepted. (National Museum/PIA-RCN)

Appreciation: Barkhouse leaves a golfing legacy unequaled in the history books of the Côte-Nord | Sports

History books

By

James L. Roussel

-

July 16, 2022

0

With the recent passing of Paul Barkhouse at the age of 82, the golf communities of North Shore, Greater Boston and New England have lost one of the great players – and personalities – of the past half-century.

The Barkhouse-born and raised Lynn grew up as a player under the expert tutelage of Larry Gannon at Happy Valley Golf Course, won the German Open as a member of the US Army, first showed his long-ball prowess by winning successive Tedesco Fourballs with Westy Graves in 1960 and 1961, then became one of the best champions – and friend of all – during a 53-year career as a PGA professional from New England.

And, most importantly, if you met Paul Barkhouse, you were a friend for life. “Barkie” had thousands of friends all over the United States, mostly from golf, including friends he made when he played on the PGA Tour in 1970 and 1971.

North Shore golfing legend Bob Green recently retired after being the head pro at Tedesco Country Club for 41 years, his colleague and friend’s world thought.

“I’ve known Paul since I was 14,” Green said. “We all idolized him as a kid while Paul ran the junior program, and many of us have continued to idolize him over the years. He had such a great way with the kids, with everyone in did, always ready to offer help and encouragement when we were struggling with our games.

“And what a player he has become. He was long before anyone else was here, and straight. He has won his share of tournaments and he has made his mark as an important member of NEPGA. He was so friendly with a carefree air, as appreciated as any professional in the section.

Barkhouse enjoyed a distinguished career as a club professional, first as an assistant at White Cliffs and then as Gannon’s assistant at Happy Valley before his unsuccessful venture on the PGA Tour, where he made many friends, even among the great players. Just ask John O’Connor, who got his start in the business as Barkhouse’s baggage hall manager at Ferncroft before becoming head pro for 36 years at Far Corner.

“I have a picture of me and Jack Nicklaus in my office thanks to Paul. I was with Paul in Florida one day when he was playing on the PGA Tour and who said ‘Hey Barkie, how are you?’ Jack Nicklaus. That tells you what kind of personality Paul had. Everyone loved him and wanted to know him.

Barkhouse returned home from his Tour adventure and spent 45 years as a head pro at Ferncroft (12), Ipswich, Unicorn, Steeplechase in Ohio and 17 years at Woburn before he and his wife Nancy , still his former pro shop assistant, retired in 2017.

“Nancy and I have had a great life together in golf,” Paul shared with this agent. “I could not have succeeded without her support and without her by my side.”

He was a larger than life personality and a terrific teacher, but Barkhouse is best known for his acting ability. He was twice winner of the NEPGA Wogan Player of the Year award (1969, 1977), winner of the New England Open in 1975, of the Massachusetts Open in 1976, of the New Hampshire Open in 1969 and 1977, of the Maine Open in 1972 and 1974 , the NEPGA Match Play in 1981 and 1984, and the PGA Club Professional Series in 1980. He was NEPGA Senior Player of the Year in 1998 and 1999.

Tributes came from all directions for the longtime North Andover resident.

“Paul was a fun-loving guy with tremendous natural talent,” said Kirk Hanefeld, three-time NEPGA champion and NEPGA Hall of Famer, former director of golf and director of instruction at Salem CC. “He was admired by everyone. He will be greatly missed, but the stories and the legend will live forever.

Fellow NEPGA Hall of Famer Steve Napoli said of Barkhouse, “He was one of the most respected PGA professionals I have ever met. He had a kind and gentle manner and was always ready to help others. He could always put a smile on your face. He enriched every life he touched. He was idolized by many for his magical golf and people skills.

Barkhouse was proudest of the success achieved by three of his Ferrncroft assistants who went on to long careers as chief pros themselves: O’Connor, Brian Gilchrist and Paul Ballard.

“Barkie was one of a kind. The atmosphere changed when he entered a room. He taught me a lot, but most importantly he showed me how to treat people,” said Gilchrist, a Happy Valley product and the head pro at Flamingo Lakes Golf & Country Club in Pembroke Pines, Florida.

“His death is a terrible loss for anyone who has only met Paul once or known him for years like I have,” O’Connor said. “He pushed me to learn everything I could about the pro club business, to play, to train, to spend the Florida winters.

“He has also done a lot for NEPGA as tournament chairman. He didn’t want to be chapter president, although he was repeatedly asked to think about it. Yet everyone, all of his peers, respected his voice as they respected his playing.”

Mike Higgins, NEPGA Chief Executive, added: “Paul was larger than life in the Section family. He commanded a room. When Paul spoke, whether telling a joke or expressing a serious opinion, everyone listened. He made everyone he spoke to feel important. He was a true NEPGA legend who impacted so many lives.

Joe Carr, another NEPGA Hall of Famer, said of Barkhouse: “a great friend of mine and many, who would do anything for anyone; he never seemed to say no. As a contemporary who lost numerous golf tournaments to Paul, I’m comfortable saying that if he could have improved his putt a notch or two, he would have won it all all the time. He was a wonderful face of NEPGA, a true ambassador for the game wherever he played.

Paul is survived by his wife Nancy, his daughter Tracy and three grandchildren.

The National Museum of African American History and Culture will host its first hip-hop block party

National museum

By

James L. Roussel

-

July 15, 2022

0

Washington, DC will be a vibe later this summer!

The Smithsonian’s National Museum of African American History and Culture (NMAAHC) is hosting a star-studded block party to show appreciation for the origins and cultural influence of hip-hop music.

Photo via Smithsonian National Museum of African American History and Culture (NMAAHC)

According to Smithsonianthe museum is preparing to host its first Hip-Hop Block Party on Saturday August 13th. The event will commemorate the first anniversary of the release of the Smithsonian Anthology of Hip-Hop and Rap, which features a tracklist spanning four decades of hip-hop from artists Lauryn Hill, public enemy, Kanye West, Nicki Minaj, and much more.

From 11 a.m. to 11 p.m., the party will feature performances by national and local DMV talent, as well as presentations and activities for attendees to learn all about the genre that has shamelessly represented black culture.

“The origins of hip-hop and rap lie in the community where people came together in basements, on street corners, at neighborhood dance parties and community performances to tell the stories of people and places that gave it life in a language all its own,” said Dwandalyn ReeceDeputy Director of Conservation Affairs at NMAAHC.

Hosted by Radio Personality Magic 102.3 Vic Jagger, performances will include Alphabet Toggles, O-slice, Phuzz, YungManny, Mumu Fresh, The Hallucci Nation and Grammy-nominated D. Smoke. DJ heat, dubbed the Nation’s Capital Hometown Hero, will also host a DMV showcase. Participants will be able to move their bodies in dance workshops with the non-profit Culture Shock DC dance troupe. Talks and round tables on books will also take place.

Finally, the celebration will end with a dance party mixed by the hip-hop pioneer DJ Spinderella.

“It is only fitting that the NMAAHC celebrates the first anniversary of the Smithsonian Anthology of Hip-Hop and Rap with a block party in our front yard,” Reece continued.

“Like a true block party, we invite all ages to come together to enjoy activities and performances in honor of the museum’s greatest tribute to hip-hop music and culture.”

Personal loan interest rate schedule for 3 and 5 year loans

American history

By

James L. Roussel

-

July 14, 2022

0

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 prequalified for lower 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 July 7 and July 13:

Rates on 3-year fixed rate loans averaged 11.16%, down from 11.31% the previous seven days and from 12.15% a year ago.
Rates on 5-year fixed-rate loans averaged 13.62%, down from 13.99% the previous seven days and from 13.46% 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 personal loan rates fell slightly by 0.15%, while 5-year loan rates fell slightly by 0.37%. In addition to today’s declines, rates on 3-year terms are lower than they were a year ago. Borrowers can enjoy interest savings now with a 3-year personal loan. Additionally, 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

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 June 2022:

3-year personal loan rates averaged 11.1%, down from 11.12% in May.
5-year personal loan rates averaged 13.13%, down from 13.27% in May.

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 June, the average prequalified rate retained by borrowers was:

8.26% for borrowers with credit scores of 780 or higher choosing a 3-year loan
29.39% 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 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 the Great Lakes offers a new audio tour

National museum

By

James L. Roussel

-

July 14, 2022

0

A local author and historian narrates an audio tour exploring the history of Toledo.

TOLEDO, Ohio— The National Museum of the Great Lakes (NMGL) offers a new way to discover the rich history of Toledo, while soaking up the sun.

In addition to NMGL’s indoor museum and interactive museum ship Col. James M. Schoonmaker, history buffs—and those who just like to walk around—can experience Toledo’s history in action.

NMGL used a self-guided tour app called VoiceMap. The tour, which costs just $5.99, is titled “The Port of Toledo: From Middlegrounds Metropark to Cherry Street and Back” and already has a five-star review.

After paying for the tour, users will be directed to follow a path from the Middlegrounds Metropark to the Dr. Martin Luther King Jr. Bridge and back. The tour is narrated by Toledo author and historian Ted Long and lasts 90 minutes.

The scope of the visit is not limited to maritime history either. Listeners will be able to hear Long’s in-depth knowledge of the complex industrial, economic and social history of the Toledo region.

RELATED: Museum of the Great Lakes in Toledo Announces Second of Three Historical Summer Experiences

“There are so many fascinating maritime shops to explore in Toledo,” Long said. “From why Toledo’s warehouse district was centered on Swan Creek, to how canals helped turn the city of glass, and how a change in wind direction saved downtown from Toledo in 1894.”

Nor does the visit need to be done all at once. After purchasing it, you are free to use it at your own pace.

RELATED: Lake Erie Algal Bloom Prediction: How Bad Will It Be?

The cost of the visit goes entirely to supporting the teaching of the history of the Great Lakes and Toledo. All proceeds from Long’s tour go directly to the NMGL, where they will help the museum preserve the area’s history.

Emmanuel Ihemeje sketching his name in the Hayward Field history books | Sports

History books

By

James L. Roussel

-

July 13, 2022

0

As Emmanuel Ihemeje prepares for his final jump at the 2022 Pac-12 Championships, he turns to the crowd at Hayward Field and begins to cheer.

As the cheers escalate, Ihemeje takes off on her first jump. It runs down the track and gains so much momentum that if you blink you’ll miss it. Once he approaches the sandbox, he jumps off his right foot and clearly imprints his footprint in the box.

Officials rush to his landing spot and announce the distance: 54 feet 10 inches (16.71 meters). After six rounds of competition, he had saved his best jump for last and was crowned the Pac-12 Men’s Triple Jump Champion.

Once he realizes he’s won, he points to the scoreboard with his number flashing on the screen. With a big smile on his face, he realized he had the potential to be the best in the world.

“With each jump, I was trying to add pieces to the puzzle,” Ihemeje said. “On the last jump, I regained my confidence and I was ready to enjoy the race. Once I landed and heard the crowd cheering, I knew I was good.

After soaking up the victory and listening to the music of the cheering crowd, Ihemeje wraps himself in his burrito-like blanket.

“This is my chance,” he said. “I bring it with me to every meeting. It was a gift from a special person and since receiving it I have won consecutive championships. He accompanies me everywhere. »

Ihemeje was born and raised in Bergamo, Italy where he fell in love with the sport. His career exploded very early.

At the 2017 European U20 Athletics Junior Championships in Grosseto, Italy, triple jump world indoor record holder and two-time world champion Teddy Tamgho invited Ihemeje to join his training group in France. .

After moving to France to further his skills, he followed his family to the United States two years later. He moved to Los Angeles and enrolled at Cal State Northridge. However, his experience in California only lasted a few months due to the pandemic.

Ihemeje soon found himself taking classes at his new remote school and practicing on his own. When he decided another change was in order, he entered the NCAA transfer portal and found himself in Eugene.

One of the main reasons Ihemeje chose the University of Oregon was his mentor and coach, Robert Johnson.

“Basically, he is the brain; I am just the legs and the arms,” Ihemeje said. “I carry out everything he tells me because I trust him completely.”

Their relationship has generated huge gains from the beginning.

In Ihemeje’s first competition with Oregon, he broke the indoor school record with a 53 10.25 score at the Razorback Invitational in 2021. Just over a year into his career in Oregon, he is a two-time national indoor champion, national outdoor champion, a Pac-12 champion and an Olympian.

“I don’t think there’s a cap for this guy,” Johnson said of Ihemeje. “Everything I asked him to do, he was able to do it and he did it with a smile on his face.”

Ihemeje is scheduled to compete at the World Championships here in Eugene at the end of July.

“It’s just a calculated approach with EJ and making sure we continue to nurture him and put him in a position to succeed,” Johnson said. “We want to make sure we bring him in slowly because his future is very bright. We could be greedy and try to get it all now, but we are slowly but surely preparing for the future.

Ihemeje has a strong competitive nature and constantly strives to improve his work, which is why he fits so well into the Oregon program.

“I eat draft for breakfast,” Ihemeje said. “I love competition, I love being challenged and I know I can keep improving. It’s wonderful to be part of this team.”

At the age of 23, he’s built a solid resume and isn’t even close to being done.

“Coming here was the best choice I ever made in my life,” Ihemeje said. “It’s a whole different vibe, a whole different environment that I really love and that really fits me as a person. It wasn’t a miracle, but it was something big that happened in my life.

Sara Ali Khan on links with Saif Ali Khan on history, books: We always tell each other what we read

History books

By

James L. Roussel

-

July 13, 2022

0

Saif Ali Khan and Sara Ali Khan are one of the coolest father-daughter duos and share a great bond. In fact, they often set major father-daughter goals and it’s always a pleasure to watch them together. They are stylish and fun and believe in enjoying every moment in their style. Recently, during her recent interview with Elle, Sara talked about her bond with her Abba and how they bonded over the story and seek to read. In fact, Princess Pataudi recalled how much she enjoyed visiting all the museums in Rome and Florence during one of their vacations.

“Growing up, I realized that my father was extremely interested in history. We visited Rome and Florence together and went to all the museums in the city. We are both always curious and that’s really all what it takes – you should want to know,” Sara said. She also explained how they always tell each other what they read and even recommend books to each other. The Simmba actress recalled Saif recommending Anna to her. Karenina as she was intrigued by Sara’s love of the classics – from Homer’s Odyssey to Dante’s Inferno.

Meanwhile, speaking of work, Sara, who was last seen in Aanand L Rai’s Arangi Re with Akshay Kumar and Dhanush, has some interesting movies in the works. We will see her collaborating with Vicky Kaushal for the first time in the still titled project by Laxman Utekar. Interestingly, the actress praised actor Uri: The Surgical Strike. Besides, Sara is also working on Pawan Kripalani’s next film Gaslight with Vikrant Massey.

Also read: Sara Ali Khan loves Turkish Kabab and her latest post from her vacation in Amsterdam is proof of that; PEAK

July 11, 2022—Rates Drop for Well-Qualified Borrowers – Forbes Advisor

American history

By

James L. Roussel

-

July 11, 2022

0

Editorial Note: We earn a commission on partner links on Forbes Advisor. Commissions do not affect the opinions or ratings of our editors.

Personal loan rates fell last week. This means that if you’re looking to finance a home improvement project, a vehicle, or unexpected bills, you can still get a reasonable rate, as long as you’re a qualified candidate.

From July 4 to July 8, the average fixed interest rate on a three-year personal loan was 11.19% for borrowers with a credit score of 720 or higher who prequalified in the personal loan market of Credible.com. That’s down 0.00% from the previous week, according to Credible.com. The average rate for a five-year personal loan remained stable last week, falling from 13.58% to 13.58%.

However, the actual rate you receive depends on your creditworthiness and what is available from your preferred lender. Well-qualified borrowers may be able to find rates well below average.

Related: Best Personal Loans

How to Compare Personal Loan Rates

If you want to get the best rate, be sure to research lenders that offer a prequalification process for personal loans. While many lenders post their rates online, this only gives you a range of what they offer, not an exact rate based on the qualifications you meet. However, when you prequalify for a personal loan, a lender will perform a soft credit check to prescreen you, which has no impact on your credit score.

Based on this information, the lender will give you an overview of the terms you may qualify for, including loan rates, terms and limits. You can prequalify with multiple lenders and compare terms to find the best loan for your specific situation.

However, prequalification does not guarantee approval. Once you’ve found an offer you like, you’ll still need to submit a formal application and provide additional documentation to the lender. When you apply, a lender will usually perform a rigorous credit check, which will assess your credit score between one and five points.

Related: 5 personal loan requirements to know before applying

Calculate your personal loan payments

Once you have an idea of your personal loan interest rate, you can calculate your monthly payments. You will need to enter the interest rate, amount and term of your loan. This will help you determine how much you will owe monthly and how much interest you will pay over the life of your loan.

For example, suppose you have a personal loan for $5,000 with a fixed interest rate of 11.19% and a term of 36 months. The Forbes Advisor personal loan calculator says your monthly payment would be around $164 and you’d pay around $909 in interest over the life of the loan. Overall, you owe $5,909, which includes both principal and interest.

Average Personal Loan Interest Rates by Credit Score

Here are the estimated average interest rates for personal loans based on VantageScore risk levels, according to Experian. Please note that interest rates are determined and set by the lenders. The prices provided are estimates.

How to benefit from more favorable interest rates

Personal loan interest rates are based on a number of factors, including your overall creditworthiness, credit score, income, and debt-to-income ratio (DTI). Two quick ways to help you qualify for better rates is to pay down your existing debt to help lower your DTI and improve your credit score.

Rod Griffin, senior director of education and consumer advocacy at Experian, recommends “checking your credit report and scores three to six months before applying for a personal loan” as this will give you plenty of time to bring the necessary improvements.

Although qualification requirements differ from lender to lender, a minimum credit score of 720 will generally get you the best deal. If your score falls below this marker and you’re looking for the lowest possible rate, you can take steps to improve your score. Try strategies such as reducing your credit utilization rate, removing errors from your credit report, and paying your bills early or on time.

National Museum of Qatar a popular destination for Eid al-Adha holiday

National museum

By

James L. Roussel

-

July 10, 2022

0

Elena Rybakina writes her name in the tennis history books as the first Kazakh to win Wimbledon

History books

By

James L. Roussel

-

July 9, 2022

0

Emotional and ecstatic, Elena Rybakina etched her name in the tennis history books as the first Kazakh to win Wimbledon.

Rybakina rallied from a set down to rob Ons Jabeur of their own slice of history with a 3-6 6-2 6-2 victory over world number 2 Tunisia in Saturday’s showdown at the All England Club.

Rybakina, 23, is also the youngest Wimbledon women’s champion since Petra Kvitova in 2011 after reducing Jabeur to a frustrated wreck in the hour and 48 minute title decider.

“I didn’t expect to be in the second week of a Grand Slam and Wimbledon. To be a winner is just amazing,” Rybakina said after retiring. as the new women’s champion.

“Honestly, I don’t have the words to say how happy I am.”

But the Moscow-born star’s triumph was not without controversy as tennis great John McEnroe questioned his participation following the All England Club’s ban on Russian and Belarusian players due to war. of Vladimir Putin against Ukraine.

Ons Jabeur remains Tunisia’s pride despite Wimbledon loss

Hailing her as the “pride of the nation” and “ambassador of happiness”, Tunisians remained captivated by tennis star Ons Jabeur on Saturday, celebrating her presence in the prestigious Wimbledon final despite her defeat.

Jabeur became the second player in the world and then made history as the first African or Arab woman to reach a Grand Slam singles final in the modern era.

Although she missed out on the title at the All England Lawn Tennis Club, she said she would learn from the experience and was looking forward to playing another final.

“I just try to inspire as many generations as possible,” she said.

VOX POPULI: Political assassinations are not limited to history books

History books

By

James L. Roussel

-

July 9, 2022

0

A politician shot dead by an assassin’s bullet while stomping on an election campaign is sadly one of the risks a leader can face. Yet incidents of this magnitude invariably send shockwaves across the world.

Prior to World War II, former finance minister Junnosuke Inoue was assassinated during the 1932 Lower House election campaign.

The act was orchestrated by Ketsumeidan (literally, Blood-pledge Corps), a terrorist organization whose members had pledged to “kill one target each”.

Its leader, Nissho Inoue (1886-1967), is said to have told his comrades at the time that an election offers “the perfect opportunity to bring down the bigwigs of political parties”, according to the book “Ketsumeidan Jiken” (A case of Ketsumeidan) by political scientist Takeshi Nakajima.

But a national election in today’s Japan having such a tragic outcome? For my part, I did not see it coming.

On July 8, gun smoke engulfed the otherwise familiar sight of campaign banners set up outside a train station and a crowd listening to political speeches.

I pray for the soul of Shinzo Abe, the slain former Prime Minister.

As expected, all political parties issued statements promising never to give in to violence.

We may not feel close to politicians in our day-to-day lives, but they come to see us at election time, which allows us to meet them in person, hear what they have to say and ask them Questions.

But the 41-year-old suspect, who was arrested at the scene, took the chance to kill himself.

Awaiting his prey with a seemingly homemade concealed firearm, I wonder what dark passions possessed him.

I mentioned earlier that I did not expect such violent aggression in today’s Japan. Unfortunately, however, violent attacks on politicians do occur from time to time.

Nagasaki Mayor Iccho Ito was shot and killed in 2007. The unconscionable cowardice of such an act of violence cannot be condemned enough.

Ketsumeidan leader Inoue told a magazine after World War II, “I fervently pray for the realization of a society where politics is conducted legitimately and no one even thinks of resorting to terror” .

He was completely wrong. Whatever the political situation, only freedom of expression and the democratic process can offer hope for better things to come.

–Asahi Shimbun, July 9

* * *

Vox Populi, Vox Dei is a popular daily column that covers a wide range of topics, including culture, the arts, and social trends and developments. Written by veteran writers from Asahi Shimbun, the column offers helpful perspectives and insights into contemporary Japan and its culture.

What are the current personal loan rates?

American history

By

James L. Roussel

-

July 8, 2022

0

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 rate you get on a loan determines your monthly payment amount and the overall cost of borrowing. (Shutterstock)

A personal loan can help cover almost any expense. Whether you need a loan to consolidate debt, pay a medical bill, or finance a home improvement project, now might be the time to borrow money when interest rate are weak. Depending on your credit and finances, and the type of loan you choose, you may be able to save money on interest charges and reduce your overall cost of borrowing.

Visit Credible for view your prequalified personal loan rates from various lenders, all in one place.

What are the current personal loan rates?

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

For the month of June 2022:

3-year personal loan rates averaged 11.08%, down from 11.14% in May.
5-year personal loan rates averaged 13.10%, down from 13.27% in May.

How has inflation impacted personal loan rates?

The current inflation rate in the United States is 8.26%. Although it has slowed down a bit, it is still close to its highest level in 40 years. As inflation drives up the prices of goods and services, demand for credit increases, driving up interest rates for new personal loans and other financial products, such as mortgages and credit cards.

Although this benefits lenders, it means you will pay more to borrow money. If you have an outstanding loan with a fixed interest rate, your payments will not be affected. But if your loan is at a variable rate, your payments could increase.

Credible, it’s easy to compare personal loan rates from various lenders, without affecting your credit.

Average personal loan rates by credit score

Average personal loan rates can vary depending on your credit and other financial factors. The table below shows the average personal loan rates by credit score:

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

8.26% for borrowers with credit scores of 780 or higher choosing a 3-year loan
30.44% for borrowers with credit scores below 600 choosing a 5-year loan

How to get a lower personal loan interest rate

Fortunately, there are steps you can take to lock in a lower interest rate and potentially save hundreds or even thousands of dollars in interest on your personal loan, including:

Increase your credit score. The increase your credit score, the lowest rates to which you will be entitled. To improve your credit, check your credit report and dispute any errors, pay bills on time, pay off debts, and don’t open new credit accounts unless you really need to.
Choose a shorter repayment term. In general, shorter loan repayment terms come with lower interest rates. If your monthly budget allows, apply for a shorter term of two years instead of five years, for example.
Get a co-signer. A cosigner, who can be a family member or close friend with good credit, can help you get a lower interest rate. Remember that if you fail to repay your loan, the co-signer will be responsible.
Compare the prices. Not all personal loans are created equal. Do your research and compare offers from several different lenders to find the most competitive rates.

With Credible, you can quickly and easily compare personal loan rates to find the one that suits your needs.

Kelly McGrory: making her way through the history books

History books

By

James L. Roussel

-

July 8, 2022

0

Last Saturday night, Kelly McGrory’s tactic was simple: run.

The Morton Games came as a late opportunity, with the invitation only arriving four days in advance.

A little extra test was that the race was on a flat 400m as opposed to his favorite 400m hurdles.

McGrory ran and broke a 39-year-old record. The Tir Chonaill AC woman clocked 54.68 seconds to erase Donegal’s 400m record of 55.72 seconds. That had been the mark since 1983 when, at the same Morton Stadium in Santry, Finn Valley AC’s Christine Gallen set her career high.

“I had nothing to lose and it was good to cut my flat time,” McGrory told Donegal Live.

“I was absolutely buzzing. I wasn’t sure at the end of the race, but I was pretty sure it was a new record. I was thinking quickly and couldn’t remember any girls from Donegal running 54s. It felt so good to have him – I have a good lucky streak right now.

“It was not in my racing plan to face Morton at all and I only got the call on Tuesday of this week. They had a few dropouts before and when they saw me run 57 times over the hurdles I said to them, “Maybe she could run a good time in the flat and not be completely out of place”. ”

At the Senior National Championships the previous week, Laghey’s wife regained the Irish crown in the 400m hurdles. There she broke her own Donegal record of 57.22 seconds after setting a new mark of 57.84 seconds at Ulster Seniors.

St Abban’s AC’s Nessa Millet took silver in 58.08 while fellow McGrory Tir Chonaill AC Lucy McGlynn walked away with bronze, crossing the line in 1:00.00.

“It was a tough race,” McGlynn said. “Nessa is also a 57-year-old runner. Just for the PB the week before in Belfast, I wouldn’t have thought to offer him that. If I hadn’t run so well in Belfast, I probably would have walked in and sat behind her.

“To get this win, I was absolutely thrilled. I really didn’t think I would come out on top from the battle. I exceeded my own expectations over time – especially in the conditions.

She was back at Morton last week without the hurdles and it was a shock to the system.

“In my mind, it’s an easier race because I’m just focusing on the next obstacle.

“It’s a more enjoyable race. In fact, I find the 400m flats more difficult to run.

“I didn’t work a lot on the flat. Basically, I had no focus on it. I almost underestimated how different the two events are.

“I still do a lot of speed endurance work and a few obstacle sessions each week. The races are basically the same, but not in my head. When I ran the race, I knew more was needed. It was certainly not as simple as it seemed. Running flat is not as easy as I thought!

Still, his time goes to the top of the all-time Donegal charts over the distance.

McGrory knows there’s more to the tank.

“I’m definitely convinced to reduce that time again,” she says. “I knew I could have done some things better. It takes a few runs to find a rhythm and start running faster. At the moment, there is not much time left in the season and I will focus on the 400m hurdles.

Heading into this outdoor season, McGrory has been troubled by a back injury that she is still “managing”. The summer went better than expected.

Her trainer, Hayley Harrison, told her earlier this year that she could run 57 seconds in the 400m hurdles. McGrory brushed off the suggestion.

“Honestly, I didn’t believe her. I didn’t buy it. I really didn’t believe I could do it. I was shocked with the performance. I’m so happy now where I am – and there’s more to it.

McGrory heads to Belgium for a race on July 16 before competing at the AI Games in Tullamore on July 24. His season will end in early August.

Head of Sports Development with the Irish Wheelchair Association – “I’m all about parasports,” she says – McGrory is based in Limerick.

A victim of injuries during his youth, McGrory represented Ireland at the 2019 European Games in Minsk. The mixed 4×400 relay team set a new Irish record at Dinamo Stadium in 3:24.14 with McGrory doing the third leg in 54.4 seconds. Andrew Mellon, Sinead Denny and Luke Lennon-Ford were the others running this afternoon of baking in Belarus.

In 2016, she won the senior and under-23 400m titles and earned a degree in sports science from DCU in 2016.

McGrory is lucky her boyfriend knows all about the commitment she has to give to her sport. Two weeks ago at Santry, Thomas Barr won his 10th Irish 400m hurdles title, with the Ferrybank man crossing the line in 50.37 seconds. Barr is now ready to face the world championships in Oregon.

“It’s cool that we’re both in the same sport,” McGrory says. “There is a good understanding between us on what is needed.

“It was so cool that day that we won the 400m hurdles the same day. He was just coming onto the track as I was exiting. We set the bar high for each other. We are in the same training group and do more or less the same training.

“When we’re in the season, everyone’s program is tailored depending on when the person is trying to peak. Thomas is off to Worlds now and he was dropping at different times, but it’s good we’re in the same group.

The schedule is demanding. Six days a week, she trains – “I wouldn’t do much more if I was a full-time athlete,” she says – but her mind and her world are focused on one thing: running.

Where to take out a personal loan online

American history

By

James L. Roussel

-

July 7, 2022

0

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 can get a personal loan online without ever going to a bank. Here’s where to get one, and some pros and cons to keep in mind. (Shutterstock)

Personal loans offer a quick and convenient way to borrow money. Many people obtain personal loans for consolidate high interest credit card debt or cover big expenses like home repairs, weddings, funerals, medical bills and vacations.

Online personal loans offer a completely digital process from application to approval. And you can usually receive your loan funds from an online lender faster than a personal loan from a physical financial institution.

Here’s where to get a personal loan online, how long it takes to receive your funds, and the qualifications you’ll typically need to meet.

Where to get a personal loan online

It is very common to apply for and get approved for a personal loan completely online. While some traditional banks and credit unions require applicants to apply for a loan in person, many online lenders streamline the application process for those who prefer to do business on their computer or mobile device.

You can get a personal loan online by filling out an application on the website of virtually any lender you are considering. Loan amounts can range from $1,000 to $100,000, with repayment terms between two and five years (or longer).

When you compare lenders to find the best personal loan for your purposes, consider loan amounts, interest rates and monthly payment amounts. Ideally, you will find the lowest rate personal loan that meets your financial needs with a monthly payment you can afford.

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

Advantages of applying for a personal loan online

As with any financial decision, it’s a good idea to weigh the pros and cons of online personal loans. The benefits of online personal loans include:

Prequalification — Online lenders generally offer you the possibility of prequalify for personal loans, which involves an indirect credit inquiry. This means you can compare loan offers without affecting your credit score.
Convenience – Online lenders offer an application process that you can complete entirely online. In contrast, some banks and credit unions accept online applications, but many still require you to visit a branch to submit your loan application or sign your loan documents.
Quick funding — Online lenders tend to have fast turnaround times for their personal loans. Many lenders can deposit the funds into your bank account on same day or within one business day after approval of your application.

Disadvantages of applying for a personal loan online

Digital-only lending also has drawbacks to consider:

No in-person customer service — If you get a personal loan from an online lender, your customer support will usually be by phone, email, or chat. You will not be able to go to a physical office to resolve issues with your loan. If you choose an online lender, you should be comfortable doing business online and managing your loan with little personal interaction.
Your bank may have a better offer — Online lenders often have the best deals on personal loans simply because they don’t have the high financial overhead of traditional banks that must operate their physical locations. However, a bank or box can give you a better deal, especially if you already have an established relationship. Again, it pays to get as many quotes as possible to find the best deal that meets your needs.

How long will it take to fund your personal loan online?

If you need immediate access to money, an online lender could be a viable option. You can usually complete the application process within minutes. And depending on the lender, you can receive a decision immediately and receive funds in your account within five business days.

Many online lenders offer even faster financing. For example, Prosper aims to fund your loan within one business day, while LightStream can distribute your funds the same business day. (Prosper and LightStream are credible partners.)

Make sure your application runs smoothly by having your supporting documents ready when you apply.

What do you need to qualify for an online personal loan?

Each lender is different when it comes to the information you will need to provide on your application. Generally, you will need to share some basic information such as your name, contact details and date of birth. You will likely need to provide the following additional documents to qualify for a personal loan:

Identity proof – Be prepared to share your state-issued ID to prove that you are a US citizen and are at least 18 years old. Acceptable identification usually includes a driver’s license, ID card, birth certificate, citizenship certificate, social security number, or military ID.
Proof of address – Lenders often require proof of your address to help them assess the stability of your living situation. A utility bill, voter’s card, rental agreement or mortgage statement should suffice.
Proof of income or employment — Lenders usually want to see proof of employment or income to make sure you can afford to repay your loan. You may need to submit verification in the form of your latest pay stubs, tax returns, W-2s, or bank statements. If you are self-employed, be prepared to share a current bank statement, 1099 forms, or tax returns.

If the lender accepts your request, take the time necessary to review the terms of the loan, including the interest rate, any fees and reimbursement period. It may be tempting to sign the loan agreement immediately to access the loan funds faster, but it is essential that you understand the terms and fees before signing on the dotted line.

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

HPC and the National Museum of African American History and Culture Sponsor Free Days at Two Mississippi Museums | Mississippi Politics and Current Affairs

National museum

By

James L. Roussel

-

July 7, 2022

0

The partnership will cover admission for all visitors to the museum on Friday and Saturday of that week.

The Higher Purpose Co. (HPC) and the National Museum of African American History and Culture sponsor free admission to the Mississippi Museum of History and the Mississippi Civil Rights Museum.

The days supported will take place on Friday July 8 and Saturday July 9 in conjunction with the presentation of the exhibition The Negro Motorist Green Book. Admission to the Two Museums is also free every Sunday.

“We are grateful to Higher Purpose Co. and the National Museum of African American History and Culture for allowing Mississippians to visit both Mississippi museums and learn more about entrepreneurship,” said Katie Blount, director of the Mississippi Department of Archives. and History.

The museums will also host an entrepreneur fair on Saturday in partnership with the HPC. It will take place from 10 a.m. to 2 p.m. at the Mississippi Hall of History.

“Higher Purpose Co. is thrilled to collaborate on this timely initiative,” said Tim Lampkin, Founder and CEO of Higher Purpose Co. “HPC is committed to amplifying positive narratives from African Americans and providing business resources to reduce the racial wealth gap in our state This partnership is another example of our cohesive strategy to improve the state of Mississippi.

The Negro Motorist’s Green Book offers an immersive look at the reality of travel for African Americans in mid-century America and how the annual guide served as an indispensable resource for the country’s rising African American middle class. The exhibit was developed by the Smithsonian Institution Traveling Exhibition Service (SITES) in collaboration with award-winning author, photographer and cultural documentarian, Candacy Taylor, and made possible with support from Exxon Mobil Corporation.

Museum hours are Tuesday through Saturday 9 a.m. to 5 p.m. and Sunday 11 a.m. to 5 p.m. The Mississippi Museum of History and the Mississippi Civil Rights Museum, two museums in Mississippi, are located at 222 North Street in Jackson. For more information visit the The Facebook page of the MDAH or email [email protected].

How to Get a $5,000 Personal Loan

American history

By

James L. Roussel

-

July 7, 2022

0

If you need $5,000 to pay for medical bills, emergency renovations, or to consolidate high-interest debt, taking out a personal loan is a potential solution. Some lenders offer fast funding — in some cases, funds can be deposited into your bank account the same business day.

However, before applying for a $5,000 personal loan, you need to understand what you might need to qualify, where to get one, and how to estimate your borrowing costs.

How to determine if you need a $5,000 loan

Before taking out a loan, your first step is to determine why you need to borrow money. Is it because you need to consolidate your debts or cover an unexpected expense? Next, you should review your budget to see if you can afford monthly repayments.

Borrowing only what you need can lower your borrowing costs. Plus, it can help you avoid potential late fees and damage to your credit score.

That said, sometimes it can be beneficial to borrow more than you need. For example, if you’re borrowing money for a home improvement project and you don’t know the exact costs, it might be a good idea to withdraw a larger amount.

Conditions to benefit from a personal loan

Here are some common personal loan requirements that lenders consider:

Credit score and history: Lenders look at your credit score and credit history to assess the likelihood of you repaying the loan. To qualify for the lowest rates from a lender, you’ll likely need good to excellent credit. If you have bad credit, a lender may charge you high interest and fees or reject your loan application.
Debt to income ratio (DTI): Your DTI report is a percentage of the share of your gross monthly income spent on servicing debt each month. A high DTI ratio can tell a lender that you are financially overburdened and cannot afford to take on more debt. You can lower your DTI ratio by taking these two things: increasing your income or paying off your debts.
Revenue: You’ll also need to prove to a lender that you have enough stable income to repay the loan by providing financial information, such as your bank statements, W-2s, and tax returns..
Proof of identity and address: You may need to provide at least one piece of government-issued identification, such as your driver’s license, birth certificate, military ID, passport, or social security card. Additionally, a lender may request documents that confirm your address such as a utility bill, rental agreement or mortgage statement.

Personal lenders who offer $5,000 loans

You can get a personal loan from a bank, credit union, or online lender. Here are some financial institutions that offer loans for this amount:

Lender	APR range	Loan amount range	Minimum credit score requirement
best egg	5.99% to 35.99%	$2,000 to $50,000	640
happy money	5.99% to 24.99% (with automatic payment)	$5,000 to $40,000	600
LightStream	3.99% to 19.99% (with automatic payment)	$5,000 to $100,000	660
Reached	5.40% to 35.99%	$1,000 to $50,000	Not disclosed

best egg

Best Egg offers personal loans ranging from $2,000 to $50,000. You can choose a repayment term of 3 or 5 years. If you need funds quickly, this could be a good option since funds can be deposited into your account the next business day, if you are approved. But a major drawback is that the lender charges origination fees ranging from 0.99% to 5.99%. If you choose a loan term of 4 years or more, your origination fee will be a minimum of 4.99%.

happy money

If you want to consolidate high-interest debt, Happy Money may be worth considering. Happy Money offers personal loans with competitive interest rates through its partner lenders that range from $5,000 to $40,000 and can only be used for debt consolidation. You can choose a repayment term ranging from two to five years.

LightStream

LightStream offers personal loans with competitive interest rates, no fees and a wide range of repayment terms. Depending on the type of loan you choose, you can borrow money for up to 20 years. If you are approved, funds can be deposited into your bank account the same business day. A potential downside, however, is that you need several years of credit history to qualify.

Reached

If you have bad credit, Upstart might be a good choice as there is no minimum credit score required to qualify. Upstart is offering a low minimum interest rate effective June 29, 2022 of 5.40% to qualified applicants. However, one potential downside is that Upstart charges setup fees, and they range from 0% to 10%.

Costs of a $5,000 long-term personal loan

The amount you will pay for a $5,000 loan depends primarily on your interest rate and repayment term. You can use our personal loan calculator to estimate your total borrowing costs.

Here are some examples of what your borrowing costs might look like for a three-year loan:

Loan over 3 years at 5%: monthly payment of $150; $5394.76 in total reimbursement costs
Loan over 3 years at 10%: monthly payment of $166; $5808.09 in total reimbursement costs
Loan over 3 years at 15%: monthly payment of $173; 6239.76 in total reimbursement costs

If you choose a longer repayment, it could reduce your monthly payment. But that would increase the amount of interest you pay over the life of the loan.

For example, here’s what your borrowing costs might look like for a 5-year loan:

Loan over 5 years at 5%: monthly payment of $94; 5661.37 in total reimbursement costs
Loan over 5 years at 10%: monthly payment of $106; $6374.11 in total reimbursement costs
Loan over 5 years at 15%: monthly payment of $119; $7136.98 in total reimbursement costs

At the end of the line

You can use a $5,000 personal loan for almost any purpose, such as paying for a wedding, improving your home, or consolidating your debts. Before taking out a loan, review your finances to see if you can afford to make monthly payments. If you decide this is a good decision for you, compare your options with several lenders to find the best deal.

These are the latest personal loan rates. Is the personal loan for you?

American history

By

James L. Roussel

-

July 6, 2022

0

Things to consider before taking out a personal loan

Getty Images

Average personal loan rates for 5-year loans fell slightly to 17.99% from 18.00% the previous week, according to Bankrate’s most recent data for the week ending July 4. Meanwhile, average 3-year personal loan rates also fell to 19.02% from 19.43% the previous week. If you have excellent credit, you’ll likely pay a lot less: 5-year personal loan rates for those with very high credit scores sit at 12.70%, and for 3-year personal loans, rates means are even lower at 11.39%. You can see the lowest personal loan rates you qualify for here.

Data from LendingTree reveals that nearly 20 million Americans have a personal loan. And one of the reasons they’re so popular is that they tend to fund quickly (sometimes in as little as a day) and don’t usually require a borrower to post collateral. The pros say borrowers looking to finance a major purchase or consolidate high-interest debt can consider taking out a personal loan.

That said, personal loans tend to have higher rates than other types of loans, like HELOCs and home equity loans, for example. This is one of the reasons why experts say it’s important that borrowers don’t get carried away by taking more money than they actually need, because you’ll have to pay it all back plus interest. . If you don’t repay the money, it will hurt your credit score, which can impact the rates you pay on loans for years to come.

If you decide a personal loan is right for you, make sure your credit score is as high as possible and your finances are in order. Then, get quotes from a few different lenders to ensure you get the best rates and terms possible.

Here’s how to get the cheapest personal loan

American history

By

James L. Roussel

-

July 4, 2022

0

New Delhi-based software professional Nibedita Sharma had long dreamed of renovating her house. The only stumbling block was money. There were always expenses that needed urgent attention, putting the renovation on the back burner. Until she noticed leaks through the ceiling and couldn’t put off the renovation any longer. Sharma, 40, nervous, decided to take out a personal loan. To his surprise, many banks, non-bank financial companies (NBFCs), and fintech companies lined up to offer him a loan within seconds. All she had to do was click a few buttons and the money was credited to her account. “My good credit rating and my long relationship with the bank helped me get an 11% personal loan [interest] in a few minutes. I will pay monthly EMIs (equivalent monthly installments) over a two-year period,” she says.

Like Sharma, many Indians are fascinated by the ease of access to personal loans. Access to funds is no longer limited to people living in metros or with good credit scores. With fintech companies taking over the space, even people with low or no credit have a better chance of getting a personal loan now.

While personal loans may be readily available, how do you get them cheap? Look for the lowest rates and opt for a fixed rate loan as interest rates rise. The lower the rate, the smaller your EMI. Lenders look at many factors, including credit rating and loan profile.

There are a few avenues that offer personal loans. While some charge you low interest rates, others offer flexible repayment options. Choose the one that suits you best. Banks offer personal loans at the lowest interest rate if you have a good credit rating. A long and sustained relationship with the bank makes this even easier. In the case of a pre-approved loan, you don’t even need any documents. The only downside is the lack of flexibility. Banks generally do not allow partial prepayment.

NBFCs may be your second option. “NBFCs have been active proponents of using technology in lending and thus providing speed and convenience, making it their biggest USP. Offers on loan amount, interest rate and term are competitive like banks and are adjusted according to the client’s risk profile. Another great advantage is flexible reimbursement options and fully transparent fees,” says Manish Chaudhari, President and Chief of Staff of Poonawalla Fincorp, a Pune-based NBFC. Some of the popular names include Bajaj Finserv and Home Credit among others.

Another option is fintech companies such as Navi Finserv and LoanTap. These are popular among millennials and the self-employed for their looser eligibility criteria. But there are downsides. “Not everyone is technically literate. Not everyone has a smartphone. And it can be addictive,” says Mel Gerard Carvill, non-executive director and board member of Home Credit NV, a global provider of consumer credit services.

The growing demand for personal loans is reflected in the recent CMIE economic outlook report. Outstanding personal loans between December 2021 and March 2022 increased between 2.4% and 4%, it says. With the economy emerging from the shadow of Covid-19, demand for credit has increased. The CMIE says a recovery in bank credit demand started from the second half of FY22, which analysts say looks set to continue into FY23.

Among the different types of personal loans, an increase in credit card spending, home loans, auto loans, loans for consumer durables and other personal loans contributed to the surge. Together, they account for more than 90% of outstanding personal loans, which grew by Rs 57,165 crore month-on-month in April 2022. However, the month-on-month growth has hit a five-month low of 1.7%, due to inflation affecting consumer demand. This figure could come under further pressure, with the Reserve Bank of India (RBI) raising the repo rate twice in just 36 days to 4.9%. As personal loans multiply, is it the right time to take out one? Here are some factors you should consider.

Key factors

In this scenario of rising interest rates, before applying for a personal loan, it is important to compare the interest rates offered by lenders, as the lower rate will lower your EMIs. Your credit score is also directly related to the interest rate. And, credit score is the only factor that is under the control of borrowers that has an impact on interest rates.

A credit score is a three-digit number assigned to an individual on a scale of 300 to 900 points. It is based on each office’s unique algorithm; a score of 750 or more is considered good. “To get a cheap personal loan, make sure you maintain a good credit score because a bad score would mean higher interest rates…If you have a credit score above 750, your chances of obtaining a personal loan increases considerably,” Satyam explains. Kumar, CEO and co-founder of LoanTap, a fintech company for online delivery of retail asset products. Another factor that determines the cost of your loan is your profile. Your income level as well as your occupation also affect interest rates.

Low interest rates should definitely be your only main criteria when choosing a personal loan. According to experts, opting for fixed rate personal loans would always be preferable in times of rising interest rates. “Those who benefited from personal loans with floating interest rates would be hit by rising repo rates,” says Sahil Arora, senior director at Paisabazaar, a fintech company.

Arora adds that public sector banks (PSBs) generally offer personal loans at floating interest rates, while most private banks offer personal loans at fixed interest rates. In addition, one should opt for banks with a good CASA ratio because these lenders tend to increase their rates at a slower pace than banks with a low ratio. CASA is the ratio of current account and savings account deposits to total bank deposits.

There are also other variables you need to consider such as processing fees, legal fees, criminal charges, and even prepayment fees. Similarly, personal loan borrowers should confirm whether the interest rate, processing fee, term, prepayment, foreclosure fee and other personal loan features written in the personal loan agreement are the same. than those communicated during the onboarding process so that there are no surprises after taking out the loan.

Before taking out a personal loan, explore the other options available in the market. For example, if you want to take out a personal loan to buy furniture or electrical equipment, a better deal might be to take advantage of the no-cost EMIs offered by many stores for terms ranging from six to 12 months. So be patient and compare all offers from all available lenders before you jump in.

The risks

It is very important that you get a personal loan from sources regulated by the RBI, and not from unscrupulous lenders, who charge you astronomical interest rates and resort to harassment in case of default. “As a consumer, you should be aware of the remedies provided by industry regulators. Like in this case, the RBI, so you can pass it on to the proper authorities,” says Kumar of LoanTap.

Historically, in times of emergency, people used to borrow money from close friends and families or from local moneylenders. With the rise of fintech apps, you can now get loans from all sorts of sources. However, be careful when opting for these. “All of these sources are new, and regulators have been a bit slow to bring them all into scope. Because of an argument I always make, if you take out a loan, make a deposit, or buy a insurance policy, you shouldn’t have to worry about who the supplier is, you shouldn’t have to think that I’m more at risk because I took it from supplier A rather than supplier B. regulation should be about the product, not the supplier, so as a consumer I should have equal protection,” says Carvill.

Sharma patched his leaky ceiling by opting for loans from regulated sources. With loans flowing like water, don’t be lured into easy money; choose the right financing option and make your dream come true like her.

@teena_kaushal

Cobargo’s melted telephone booth on display as National Museum showcases nature’s fury in gripping exhibit

National museum

By

James L. Roussel

-

July 3, 2022

0

Artifacts from disasters across the country, including a melted down telephone box, are now on display as part of a National Museum exhibit showcasing the power of nature.

The Canberra Museum has collected images, videos and artefacts as part of a multimillion-dollar exhibit, Great Southern Land.

A melted telephone box discovered in Cobargo in 2020 following the Black Summer bushfires is one of the striking displays now on permanent display.

“Every time I see it, I have a gut reaction,” senior curator Libby Stewart said.

The exhibition aims to explore Australia’s connection to land and time, the effects of climate change and the stories, including those of First Nations people, that come with it.

The melted telephone box is now on display in Canberra in a temperature-controlled museum.(Provided: National Museum of Australia)

Other natural disasters with items collected include Cyclone Tracy, the Victoria Black Saturday bushfires and the 2003 Canberra fires.

The curators are not actively collecting more items for display, but plan to collect historical items and stories from flood-affected areas, such as Lismore, in the future.

“I’m sure, unfortunately, we’ll probably add to those collections later,” Ms Stewart said.

“We’re really conscious of not going into communities that have been impacted by trauma and are still dealing with it.

“It’s really a two-way process.”

A “macabre” reminder

The display of the “iconic” melted telephone booth reinforces the importance of disaster preparedness, according to Cobargo publican Dave Allen.

“It’s a gruesome reminder, but it has to be kept in mind,” he said.

a man leans against a fence post — David Allen says the stand is a reminder of the ongoing Black Summer revival.(ABC South East NSW: Adriane Reardon)

The impact of Black Summer remains widespread over two and a half years later, with some residents still trying to rebuild their homes, while others continue to process the trauma.

The NSW Bushfires Coronial Inquiry continues to examine the death and destruction caused by the 2019-2020 bushfire season, while the flood disaster that hit the upstate continues to be the subject of its own investigation parliamentary.

a melted telephone booth — The phone booth was discovered in Cobargo following the Black Summer bushfires.(Provided: National Museum of Australia)

Mr Allen said the response and recovery to the northern NSW flood disaster was “virtually a carbon copy” of what he experienced during the black summer.

He said the exhibit evoked the fear that history will continue to repeat itself unless communities and governments become more resilient to natural disasters and tackle climate change.

“We didn’t learn enough, we didn’t do enough and we didn’t prepare enough to be prepared for the next one because the similarity to Lismore was scary,” he said.

“From someone who’s been through this, who’s seen it, and some poor bastard up there going through the same thing, it’s just crazy.”

Audi A8 L, S8 unveiled at the National Museum

National museum

By

James L. Roussel

-

July 2, 2022

0

Muscat – Audi Oman, represented by Premium Motors, unveiled its latest luxury flagship models, the Audi A8 L and S8, at the National Museum of Oman on Thursday. The launch event was held under the patronage of His Highness Sayyid Fahr bin Fatik al Said and officials from the German Embassy in Oman.

These two luxury sedans promise to deliver a first-class experience for passengers and drivers, perfectly aligning the brand’s visions of progress and innovation.

Speaking at the launch, Christian Nehme, Managing Director of Premium Motors, said: “We are honored to have had the opportunity to unveil the Audi A8 L and S8 at the magnificent National Museum which tells the story of the country and its rich heritage.

“Both models are symbols of status and prestige for the brand. The new Audi S8 symbolizes masterful comfort with superior sporty handling. And with striking exterior features and innovative interiors, every detail creates a premium experience for the new Audi A8 L.”

The updated A8 L is powered by a 3.0-liter V6 with 48V Hybrid Technology (MHEV) that develops 340hp and 500Nm of torque, mated to an eight-speed automatic transmission and Quattro all-wheel-drive system. Audi. This configuration accelerates from zero to 100 km/h in 5.7 seconds, before reaching an electronically limited top speed of 250 km/h.

The S8 features a 4-litre twin-turbo V8 engine that develops 571hp and 800Nm of peak torque, which catapults the high-performance version from a standstill to 100km/h in just 3.8 seconds.

The A8 L and S8 meet the needs of a constantly changing customer base. The new wheel range offers an option of three new geometries and three new rim colors. New premium headlights and taillights inspire innovative features and form the apex of the A8 L and S8’s established technology portfolio, creating a contemporary, user-focused experience for both passengers and drivers. drivers.

Mateja Kos Zabel appointed acting director of the National Museum after the scandal of fakes

National museum

By

James L. Roussel

-

July 1, 2022

0

ATSJuly 1, 2022 – Mateja Kos Zabel took over as acting director of the National Museum in Ljubljana on Friday after former director Pavel Car resigned last month following an art forgery scandal.

Appointed by the Ministry of Culture, Zabel previously worked as a curator in the museum’s Department of History and Applied Arts, and headed the organizational program management unit.

She will serve as interim director for up to a year or until a new full director is appointed via an open call.

Zabel, who holds a doctorate in art history and museology, has worked at the National Museum since 1985. She specializes in applied arts and in recent years has focused on museology and the role of national museums in the context of modern museum studies. . She has been teaching art history at the Faculty of Arts in Maribor since 2009.

Her deep understanding of the field and her leadership experience have yielded results in her long career at the National Museum, during which she has collaborated with numerous Slovenian and foreign museums, reads a press release from the Ministry of Culture. .

She has led two groups of European projects, numerous museum projects, as well as a research program. She also co-wrote the exhibition The Past Under the Microscope, for which she received the Valvasor Award for Outstanding Achievement from the Association of Museums of Slovenia.

His predecessor Pavel Car resigned after the Travels exhibition, which was to feature works from the Boljkovac family collection, allegedly including those by Picasso, Matisse and Kandinsky, was canceled at the last minute following a public outcry over serious counterfeiting issues.

Car said he resigned in order to protect the reputation of the museum and its experts, adding that he had been naïve in trusting the wrong person to organize the exhibit.

Help Wanted: National Museum of Racing And Hall Of Fame Seeking Curator, Museum Educator – Horse Racing News

National museum

By

James L. Roussel

-

June 29, 2022

0

by Edited press release|29.06.2022|11:27

The National Museum of Racing and Hall of Fame in Saratoga Springs, NY has immediate full-time openings for Curator and Museum Educator positions. Interested candidates should send a CV, cover letter and references to: [email protected]

Job Overview: Museum Curator

Department: Conservatory
FSLA Status: Exempt
Reports to: Director

The museum curator is responsible for the development, installation and maintenance of temporary and semi-permanent exhibitions; assistance to the collections manager, if necessary, for collection, acquisitions and conservation; Respond to media and public inquiries regarding exhibitions and permanent collections; maintain adequate communication between the Curatorial Department and the Collections and Exhibits Committee and the Board of Trustees.

Main Duties and Responsibilities Exhibitions:

Planning, development and installation of exhibitions: Includes long-term planning; creation and maintenance of annual budgets for general and special exhibitions; research subjects and script the scenario, panels and labels of the exhibition; design exhibits (general flow, wall elevations, window arrangements, selection of objects); design exhibit graphics and labels; project management and collaboration with guest curators, exhibition designers and preparators (as needed); produce marketing materials associated with exhibitions, including exhibition materials, catalogs and website content; work with technical services/education to develop exhibits or related interactive programs; installation of artwork, display cases and accompanying labels; promote exhibitions with the Director of Communications.
Correspondence with the Collections and Exhibitions Committee and the Board of Trustees: answer questions and receive suggestions from museum trustees regarding exhibition ideas, potential donors or lenders; discuss and review collections issues regarding acquisitions and major projects with the Collections Committee and others as required; serve as acting secretary for all Collections Committee meetings and prepare meeting materials, including agenda, prior to meetings, sending approved meeting minutes to the entire Committee in a timely manner ; present the exhibition report at the annual meeting of the board of directors in August.
Graphic design and publishing: Participate in various graphic design projects and design signs, advertisements, etc., according to the needs of the Museum and its events; verification of publications, written materials, leaflets, etc., before publication.

Qualifications: This museum curator position requires a bachelor’s degree in museum studies, history, or art history with three to five years of experience in curatorial work. A master’s degree in museum studies or a related field and experience working in a museum are preferred. This position requires knowledge of collection management and exhibition development procedures, in addition to the ability to prioritize, delegate and work collaboratively on major projects. Strong attention to detail and superior organizational skills are essential. Knowledge of Thoroughbred racing industry and history preferred. Computer skills required include: Microsoft Office, knowledge of maintaining and updating databases (PastPerfect for collections). Some graphic design skills and software knowledge (Adobe Creative Suite) preferred.

Salary range: $50,000 to $55,000

Job Overview: Museum Educator

Department: Education
FSLA Status: Exempt
Reports to: Director

The Museum Educator is responsible for creating, implementing, maintaining, and promoting educational programs that reflect the museum’s mission to preserve and promote the history of Thoroughbred racing in America and to to honor the sport’s most accomplished participants in the Official Thoroughbred Racing Hall of Fame. The Museum Educator will extend the interpretation and presentation of the Museum’s collection to the public through the development and implementation of curriculum-based programs for youth, as well as programs for adults. The Museum Educator is responsible for overseeing the museum’s volunteer program and the Discovery Paddock located at the Saratoga Racetrack during the annual summer meet, both of which are managed by the Program Educator.

Job Responsibilities:

Youth programs:
- Develop, coordinate and deliver educational programs (with program educator) for preschool through middle school (including weekly preschool drop-in program), Girl Scouts, 4-H, BOCES, camps, health, l history and horses (4th curriculum), high school and college curricula.
- Coordinate, manage and display annual student art exhibitions.
- Develop and coordinate the Discovery Paddock program at Saratoga Racetrack.
- Develop and coordinate an eight-week summer program called “Backstretch Buddies” for the children of Faith’s House.
- Develop, coordinate and deliver special programs targeting youth and their families, such as Family Fun Days celebrating special events at the Museum.
- Develop awareness programs to bring to schools.
- Plan special events, solicit donations (eg, student art exhibit, school holiday programming).
Programs for adults:
- Develop, coordinate, and deliver adult education programs, including guided tours of the Oklahoma Museum and Training Track, photo-finish photography tours, and offsite speaking engagements.
- Develop programs highlighting the Museum’s special exhibitions, including those concerning relevant historical moments and events.
- Coordinate a series of seasonal farm tours.
- Develop community outreach programs and presentations.
Online programming:
- Create and host online educational programs and virtual tours via Facebook Live, YouTube and Zoom.
Volunteers and guides:
- Work with the Program Educator to develop, coordinate and implement a Museum-wide volunteer and docent program, including recruitment, selection, training, supervision and scheduling.
- Collaborate between departments to maximize the use of volunteers and guides to meet the needs of the Museum.

Qualifications: Bachelor’s degree in education, museology, history or equine studies. Knowledge of K-12 developmental stages, with a focus on early childhood development, arts integration, local and national standards, and application of learning theories to education museum. Ability to work effectively with people of all ages. Highly organized and able to multi-task and set priorities. Flexible and patient with strong customer service, training and supervisory skills. Very creative and able to solve problems with originality. Ability to work in a fast paced team environment.

Salary range: $40,000 to $50,000

For more information about the National Museum of Racing and Hall of Fame, including upcoming events, please visit www.racingmuseum.org or call (518) 584-0400.

10 tips to increase your chances of getting a personal loan – Forbes Advisor INDIA

American history

By

James L. Roussel

-

June 29, 2022

0

One of the most popular types of loans on the market today is the personal loan. Personal loans are useful when there are planned or unexpected expenses like vacations, weddings, or medical emergencies that are beyond your financial capabilities.

People need money for too many reasons – especially with Covid-19 which has brought the economy to a virtual standstill and in turn damaged the lives of many people. This explains why in India, 77% of working people rely on personal loans to make ends meet. Taking out a personal loan is considered a great option if you can comfortably make the repayments over the term of the loan.

That said, to qualify for a personal loan, you must meet the eligibility requirements set by the lender. In this article, we are going to learn all about personal loan eligibility and how you can improve your chances of getting a personal loan.

What makes personal loans ideal?

Before we look at personal loan eligibility and the criteria you need to meet to get your personal loan application approved, let’s understand why personal loan has become famous and has become a preferred option for many.

One of the main reasons why personal loans are chosen is that they are unsecured loans. Unlike home loans or car loans, borrowers do not need to provide any form of security or collateral to the lender to qualify for the loan. As no collateral is required, the documentation required to apply for the personal loan is much less compared to any other type of loan.

Another key reason people opt for a personal loan is that once the borrower has been approved for a personal loan, they can use the fund for any purpose they see fit. Lenders do not restrict or limit the end use of funds secured by a personal loan. Whether it’s paying off long-standing debts, down payments on a car or house, unpaid credit card bills, or financing a reception or home renovation, there are a plethora of expenses that can be financed with a personal loan.

Finally, personal loan interest rates are fixed, they do not vary from time to time like credit card interest rates. This way, not only will you pay a fixed amount each month, but you can also easily track your payments.

The Indian working class bears a great responsibility and in most cases struggles to survive on their monthly salary, which is just enough to meet their daily expenses.

Struggling to meet their needs and without additional savings, they struggle to meet each time an unexpected cost arises. In such cases, when they are unable to get a personal loan from the bank, they have no choice but to go to lenders who charge high interest rates and impose unfavorable loan conditions.

Personal Loan Eligibility Explained

When you need a specific amount or are short on funds, you can approach a financial entity to apply for a personal loan. Although you can easily apply for personal loans online, for the loan amount to be sanctioned, you must meet a set of eligibility criteria. According to certain general limits and requirements, the personal loan criteria will be different from one lender to another.

Here are some of the basic criteria you need to meet:

You must be between 18 and 60 years old.
You should be an Indian citizen.
You must have a professional experience of at least 12 months.
You must have worked with your current employer for at least 6 months.
You should have a monthly salary of INR 15,000 or more.

In addition to this, along with a completed application form, you must also be able to provide the below mentioned documents to the lender:

A recent passport size photograph.
Salary slips and proof of income.
Proof of Address like Driving License, Aadhar Card, Voter ID, Passport.
Proof of identity such as PAN card, Aadhar card or government ID for people employed by the government.

It’s also imperative to regularly check your credit score (a three-digit number ranging from 300 to 900, which indicates your creditworthiness) to ensure that you qualify for a personal loan.

How to improve your chances of getting a personal loan

Banks and financial institutions look at a range of factors to determine a borrower’s creditworthiness.

Here are 10 tips that will increase your chances of qualifying for a personal loan.

1. Check the lender’s eligibility criteria

Before selecting a lender, make sure to go through all their requirements. This will help you avoid the accident of rejection for trivial reasons like age or income.

2. Track your Fixed Obligation to Income (FOIR) ratio

When you end up using a high percentage of your income to pay off existing debts, it reduces your creditworthiness for getting new loans. This could reduce your chances of getting approved for a loan or worse, lenders may even charge you a high interest rate to cover the additional risk.

Always make sure you maintain a 40% to 50% FOIR. To increase your chances, you can consider paying off your debts and credit card bills.

3. Apply for the right loan amount

For your loan application to be approved, you must apply for the correct amount. Before applying for a loan, use a personal loan eligibility calculator to check how much you qualify for based on the income you earn, your current debts and other factors.

4. Avoid applying for too many loans at once

When a borrower needs emergency funds, they may end up applying for a loan from multiple lenders to increase their chances of getting their loan approved.

While this might give them hope of getting approval from at least a few of the lenders, it’s definitely not the best way to go. Every loan application leads to a thorough investigation of your credit report, which will ultimately lower your credit score.

5. Improve your credit score

This brings us to our next point on improving your credit score. Lenders pay a lot of attention to your credit score when scanning your loan application. As mentioned earlier, as part of the eligibility criteria for a personal loan, you must ensure that you have a good credit rating. A score of 750 or more is considered a good score.

The weaker the credit, the less likely you are to get a good deal on your loan application. Some of the best ways to improve and maintain a good credit score include: paying your EMIs and credit card bills on time, diversifying your credit portfolio, and lowering your DTI and credit utilization rate.

6. Add your spouse or parents as co-borrowers

In most cases, you have the option of including your spouse or parent as a co-applicant. This especially helps when your credit profile is not satisfactory or up to scratch. If your co-applicant’s income and credit rating are high, including them will increase your chances of getting a loan, as it will increase your repayment capabilities and earn you a personal loan at a nominal rate.

7. Choose your lender carefully

Before settling for one lender, it is best to thoroughly research all the options available in the market. Although there may be an urgent need for funds, avoid settling for the first lender you encounter.

In recent times, a wide range of financial players have flooded the market with favorable loan conditions. Do a thorough check to make sure you don’t miss out on available offers.

8. Be sure to mention all your sources of income

When you apply for a personal loan, you must prove that you are able to repay the loan amount. So, instead of just providing details of your base income, be sure to provide information about any additional income you earn, such as rent. This will not only increase your chances of getting a sanctioned loan, but you will also qualify for a higher loan amount.

9. Opt for a longer loan term

When you choose a longer loan term, it will help you break down your EMIs into smaller installments and reduce the financial burden on you to make timely repayments. This will not only lower your FOIR, but also increase your chances of getting approved by lenders.

10. Ask about prepayment of the loan

In most cases, borrowers are allowed to prepay their loans. Although you can opt for a longer term, it is good to always check if there is an option to prepay your loan amount. There are a few fees to be able to opt for prepayment of a loan but it will save you the high interest rate you would otherwise have to bear.

Conclusion

These tips will help you improve your eligibility and, therefore, increase your chances of getting a sanctioned personal loan. Choosing the right lender is crucial to ensure a stress-free and seamless experience from the loan application stage to loan approval and then receipt of funds.

Sir Laurence Martin obituary | history books

History books

By

James L. Roussel

-

June 28, 2022

0

In his BBC Reith lectures in 1981, historian and security strategist Laurence Martin spoke of the “wretchedly dangerous” need to avoid nuclear war, concerns that have recently returned to confront the Western world. He was well aware of the enormous difficulties of trying to ensure the outcome of “the endless search for security”, which became the subject of the final chapter of the book from the lecture series, The Two Edged Sword: Armed Force. in the Modern World (1982).

While advocating vigorous and open debate, he acknowledged the difficulty of establishing a relationship of trust with a nuclear power such as the former Soviet Union, and was “relatively pessimistic” about the prospects for a more great degree of unity and autonomy of Western Europe in matters of defence. Questions. Our peace was temporary in nature, and to maintain the balance of power, security had to be present when needed: each generation had to do its own security. Thus, he strongly opposed unilateral disarmament and advocated vigorous defensive efforts, combined with maintaining conventional weapons capability and sea power.

In a letter to the Telegraph in 2014, before the Russian invasion of Crimea, he reiterated the need to maintain the balance of power in the west. His books included Peace Without Victory: Woodrow Wilson and the British Liberals (1958), Arms and Strategy: An International Survey of Modern Defense (1973), Strategic Thought in the Nuclear Age (1979) and The Changing Face of Nuclear Warfare (1987) .

Considered by some to be right-wing, or an “extreme moderate”, Laurie himself saw his politics as being in the middle of the road. He was a consummate committee man, able to sway public opinion with his quick wit, diplomacy and personal charm, earning the respect and admiration of those with whom he worked. Curious about everyone he met, he had an innate sense of fairness.

These qualities have been invaluable assets for his involvement in many national and international institutions. They included the Center for Stategic and International Studies in Washington, where Henry Kissinger was another leader, from 1969, of which he was co-president from 1998 and senior adviser for six years from 2000. In London, he was involved with the International Institute for Strategic Studies, serving on its board from 1973 to 1983, and the Institute for the Study of Conflict. The culmination of his work as a security strategist came as director of Chatham House, the Royal Institute of International Affairs (1991-96).

This position coincided with the end of the Cold War, when the institute’s experts, researchers and staff played a key role in facilitating dialogue between members of governments and policy makers around the challenges of the outbreak of the Soviet Union, the war in Yugoslavia and its dissolution, the invasion of Kuwait by Iraq and the increased role of the United Nations in international politics. At the same time, since Chatham House’s core government funding had ceased (it is now an independent body), Laurie has helped modernize its fundraising and encouraged improved communications with decision-makers by developing its Internet use.

After spending a few years in the United States, Laurie never completely lost a slight Mid-Atlantic accent. But he was very proud to be born and raised in Cornwall: his mother, Florence (née Woodward), worked in the local brewery in St Austell, and his father, Leonard Martin, was a teacher. From St Austell’s High School, Laurie went to Christ’s College, Cambridge for a History degree (1948). He then did two years of national service with the RAF as a pilot officer, then an aviation officer, based in Cornwall.

The first time he crossed the Atlantic was to do a doctorate on Woodrow Wilson at Yale. He was then assistant professor at MIT (1955-1961), associate professor at the School of Advanced International Studies at Johns Hopkins University, and associate researcher at the Washington Center of Foreign Policy Research.

Returning to Britain, he became Woodrow Wilson Professor of International Politics at the University of Wales in 1964, and four years later head of the war studies department at King’s College London. He expanded it, introduced an ethicist and historian of diplomacy, and took a keen interest in the development of the college’s Liddell Hart Military Archives Center, where I got to know him.

His next move, to become Vice-Chancellor of Newcastle University in 1978, reflected recognition of his negotiating and administrative skills. His 12 years at Newcastle were spent at a time of reform in the higher education system and expansion of the university. He was a popular figure and his decision to allow Channel 4 to film a documentary series, Redbrick, in 1985 proved successful, bringing the work and life of the

Advantages of short term loans

Disadvantages of short-term loans

Advantages of long-term loans

Disadvantages of long-term loans

What loan repayment term is right for you?

Short or long personal loan terms: how to choose the right one and latest news

Short or long term personal loan: how to choose the right one and more live information

Short or long term personal loan: how to choose the right one and more news today

More from The Eagle

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

2. Lady Doctors: The Untold Stories of India’s First Women in Medicine by Kavitha Rao

3. White Mughals by William Dalrymple

4. Akbar: The Great Mughal by Ira Mukhoty

5. Indica: A Profound Natural History of the Indian Subcontinent by Pranay Lal

6. The Language of History by Audrey Truschke

7. Kabir, Kabir of Purushottam Agrawal

8. Gandhi’s Assassin: The Creation of Nathuram Godse and His Idea of ​​India by Dhirendra K Jha

9. Furrows in a Field: The Uncharted Life of HD Deve Gowda by Sugata Srinivasaraju

10. The Decline of Nair Dominance by Robin Jeffrey

Sources

‘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

Personal Loan Weekly Rate Trends

Current personal loan rates by credit score

How to get a lower interest rate

Increase credit score

Choose a shorter loan term

Get a co-signer

Compare rates from different lenders

About Credible

People also read…

Read more:

New trends

YOUR OPINION

Overview of the IPO

Securities transaction

Personal Loan Weekly Rate Trends

Current personal loan rates by credit score

How to get a lower interest rate

Increase credit score

Choose a shorter loan term

Get a co-signer

Compare rates from different lenders

About Credible

Perkins appointed by President Biden to the National Museum and Library Services Commission Institute of Museum and Library Services

Personal Loan Weekly Rate Trends

Current personal loan rates by credit score

How to get a lower interest rate

Increase credit score

Choose a shorter loan term

Get a co-signer

Compare rates from different lenders

About Credible

More from The Eagle

Personal loan vs personal line of credit

How to apply for a personal loan or personal line of credit

How to qualify for a personal loan or personal line of credit

Use and repayment of personal loans and personal lines of credit

How to choose between a personal loan and a personal line of credit

People also read…

What is the RBI repo rate and why is it increased?

EMI home loan: how much more will you pay?

Personal Loan Weekly Rate Trends

Current personal loan rates by credit score

How to get a lower interest rate

Increase credit score

Choose a shorter loan term

Get a co-signer

Compare rates from different lenders

About Credible

Personal Loan Weekly Rate Trends

Current personal loan rates by credit score

How to get a lower interest rate

Increase credit score

Choose a shorter loan term

Get a co-signer

Compare rates from different lenders

About Credible

8. Gandhi’s Assassin: The Creation of Nathuram Godse and His Idea of India by Dhirendra K Jha