Loan application – Alba Ruthenicae http://albaruthenicae.info/ Sat, 25 Sep 2021 23:04:00 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 http://albaruthenicae.info/wp-content/uploads/2021/07/icon-2021-07-06T145847.214-150x150.png Loan application – Alba Ruthenicae http://albaruthenicae.info/ 32 32 Applications Now Open for $ 100 Million Chicago Small Business Loans – NBC Chicago http://albaruthenicae.info/applications-now-open-for-100-million-chicago-small-business-loans-nbc-chicago/ http://albaruthenicae.info/applications-now-open-for-100-million-chicago-small-business-loans-nbc-chicago/#respond Tue, 23 Mar 2021 05:30:12 +0000 http://albaruthenicae.info/applications-now-open-for-100-million-chicago-small-business-loans-nbc-chicago/ The city of Chicago has officially opened applications for $ 100 million in low-interest loans for small businesses seeking help during the coronavirus pandemic. Chicago Mayor Lori Lightfoot along with Treasurer Melissa Conyears-Ervin and the city’s Department of Business and Consumer Affairs announced the start of the application process for the program in a press […]]]>

The city of Chicago has officially opened applications for $ 100 million in low-interest loans for small businesses seeking help during the coronavirus pandemic.

Chicago Mayor Lori Lightfoot along with Treasurer Melissa Conyears-Ervin and the city’s Department of Business and Consumer Affairs announced the start of the application process for the program in a press release on Tuesday.

The loans are available through the Chicago Small Business Resiliency Fund and are aimed at helping businesses experiencing a temporary loss of income due to the coronavirus pandemic.

Loan applications are available to the city’s Resilience Fund website.

“These unprecedented times call for unprecedented measures. We know our business owners and entrepreneurs don’t have the luxury of waiting for federal support, which is why with the Chicago Small Business Resiliency Fund, we’re putting money directly into the hands of our small businesses. so they can weather this storm. “Lightfoot said in a statement.” When we support small businesses, we support their workers, who in turn help enhance the vibrancy of our neighborhoods and I want to thank our public and private partners who have helped make this relief is a reality. ”

The news comes the day Illinois Gov. JB Pritzker announced an extension of the state’s “stay at home” order, which will keep businesses deemed non-essential shut down until the end. April at least.

Five-year loans of up to $ 50,000, according to city officials, are available for businesses and nonprofits with annual revenues of less than $ 3 million that have experienced a decline in income. ‘at least 25% of their income due to the epidemic. Qualifying businesses must employ fewer than 50 employees, and at least 50 percent of all loans made must be earmarked for payroll.


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Lareka unveils personalized chocolate concept for the high-end confectionery market http://albaruthenicae.info/lareka-unveils-personalized-chocolate-concept-for-the-high-end-confectionery-market/ http://albaruthenicae.info/lareka-unveils-personalized-chocolate-concept-for-the-high-end-confectionery-market/#respond Tue, 23 Mar 2021 05:30:12 +0000 http://albaruthenicae.info/lareka-unveils-personalized-chocolate-concept-for-the-high-end-confectionery-market/ Netherlands-based Lareka Confectionery Equipment has claimed a key breakthrough for the industry with its custom chocolate concept, offering an end-to-end production solution. As the company explained to Confectionery Production, its recently unveiled system allows companies to offer low-volume luxury customizable finished products in the form of puzzles, one-off items or a series of candy bars. […]]]>

Netherlands-based Lareka Confectionery Equipment has claimed a key breakthrough for the industry with its custom chocolate concept, offering an end-to-end production solution.

As the company explained to Confectionery Production, its recently unveiled system allows companies to offer low-volume luxury customizable finished products in the form of puzzles, one-off items or a series of candy bars. .

The concept of the company contains a web application, a high-quality industrial printer, a precision die-cutter and uses the company’s established BTB25 packaging machine.

Customizable packaging in small series allows companies to make the most of the added value of this packaging trend. Besides the promotional opportunities it creates, such a bespoke chocolate wrapper turns an ordinary chocolate bar into an exclusive treat, personal gift, or memorable keepsake.

As the company noted, the combination of a positive customer experience and a unique end product is what drives consumers, GEN-Z in particular, to pay a higher price for “the same product.”

However, the business continued, the problem with offering customizable chocolate packaging is that it requires equipment and services from different areas of the industry: web and application development, digital printing, chocolate and manufacturing. Another factor, the company said, is that chocolate companies that offer customizable chocolate wrappers often use third parties. Lareka’s personalized chocolate concept solves this problem by bundling the required equipment and services, resulting in an end-to-end solution for customizable chocolate packaging.

Additionally, Lareka acknowledged that the economic impact of the Covid-19 outbreak will be felt across most industries, including the chocolate industry. Given that it is likely to be affected by the decline in chocolate consumption, he believes that an investment in innovative machinery improves a company’s competitive advantage when the economy recovers and consumption increases. of chocolate should increase accordingly. The company added that using such a complete solution provides relatively short payback times, due to the higher retail prices demanded by distinctive and personalized products.

“We have noticed global changes in consumer behavior and preferences. Gen-Z looks for high quality, customizable products and is willing to pay a high price for them. How our team has transferred this trend into a highly profitable, customizable chocolate concept makes me incredibly proud, ”said Henk Somers, CEO of Lareka Confectionery Equipment. From the custom design to the chocolate bar wrapped in just three minutes to a batch size of one – our concept demonstrates lean production at its best.

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Accounts Receivable Financing, an Option for Businesses During COVID-19 http://albaruthenicae.info/accounts-receivable-financing-an-option-for-businesses-during-covid-19/ http://albaruthenicae.info/accounts-receivable-financing-an-option-for-businesses-during-covid-19/#respond Tue, 23 Mar 2021 05:30:11 +0000 http://albaruthenicae.info/accounts-receivable-financing-an-option-for-businesses-during-covid-19/ Despite the fact that the economic reopening has started, uncertainty, as well as the extent and duration of the crisis, remains a question for businesses nationwide and globally. In view of this, consultants and specialists emphasize that the best way to prepare for it is to understand its risks and vulnerability from an operational and […]]]>

Despite the fact that the economic reopening has started, uncertainty, as well as the extent and duration of the crisis, remains a question for businesses nationwide and globally.

In view of this, consultants and specialists emphasize that the best way to prepare for it is to understand its risks and vulnerability from an operational and financial perspective. In this perspective, an efficient level of liquidity and strategies related to cash flow management are essential as main advice from experts.


But, while in the last quarter of 2020, investment, consumption and exports in Mexico register the biggest drops of all records of National Institute of Statistics and Geography (Inegi) , the natural question is: How can businesses improve their finances?

The immediate answer is funding. However, another challenge arises.


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Chelsea hold friendly at Stamford Bridge as Ruben Loftus-Cheek returns after 13-month absence – and scores against friends – The Irish Sun http://albaruthenicae.info/chelsea-hold-friendly-at-stamford-bridge-as-ruben-loftus-cheek-returns-after-13-month-absence-and-scores-against-friends-the-irish-sun/ http://albaruthenicae.info/chelsea-hold-friendly-at-stamford-bridge-as-ruben-loftus-cheek-returns-after-13-month-absence-and-scores-against-friends-the-irish-sun/#respond Tue, 23 Mar 2021 05:30:11 +0000 http://albaruthenicae.info/chelsea-hold-friendly-at-stamford-bridge-as-ruben-loftus-cheek-returns-after-13-month-absence-and-scores-against-friends-the-irish-sun/ CHELSEA boss Frank Lampard saw his side come back in action at Stamford Bridge for the first time since March. The Blues boss pitted his players against each other in an intra-squad game ahead of their return to the Premier League. 6 Chelsea players played an intra-squad friendly at Stamford Bridge ahead of the Premier […]]]>

CHELSEA boss Frank Lampard saw his side come back in action at Stamford Bridge for the first time since March.

The Blues boss pitted his players against each other in an intra-squad game ahead of their return to the Premier League.

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Chelsea players played an intra-squad friendly at Stamford Bridge ahead of the Premier League returnCredit: Getty Images – Getty
    Frank Lampard, alongside prodigal teenager Billy Gilmour, officiated the game with his coaching staff

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Frank Lampard, alongside prodigal teenager Billy Gilmour, officiated the game with his coaching staffCredit: Getty Images – Getty

Lampard and his coaching staff whistled and officiated the game as his players tried to get rid of the ring rust before heading to Aston Villa on June 21.

It’s unclear exactly how the teams were divided, but Blues stars who had been sidelined before the lockdown have also been exhausted.

Ruben Loftus-Cheek, who hasn’t played alongside other first-team players since last May after a horrific Achilles heel injury, burned out and even managed to score a goal for the blue team.

The 24-year-old England midfielder returned to training in February and made reserve matches with the development team.

Christian Pulisic was on the opposite side, with young players also in the numbers.

Pedro and Willian – two players whose futures are yet to be determined – also played.

    Ruben Loftus-Cheek has played a game for Chelsea for the first time since May 2019 - and has scored

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Ruben Loftus-Cheek has played a game for Chelsea for the first time since May 2019 – and has scoredCredit: Getty Images – Getty
    Willian's future continues to be the subject of much speculation

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Willian’s future continues to be the subject of much speculationCredit: Getty Images – Getty
    Pedro - who is also linked with an exit - collects the ball from Tammy Abraham as Antonio Rudiger watches

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Pedro – who is also linked with an exit – collects the ball from Tammy Abraham as Antonio Rudiger watchesCredit: Getty Images – Getty

German superstar Timo Werner, who is officially set to join the Blues next week, secured an assist on Saturday afternoon as RB Leipzig drew 1-1 with Paderborn.

And Chelsea legend Frank Leboeuf, who won four major trophies at Stamford Bridge, is thrilled with the signing.

Leboeuf told ESPN: “[Werner’s] a fantastic player.

“We’ve seen it for the past two years and it’s a very good catch for Chelsea as they almost signed for Bayern Munich last year.

“We talked about Liverpool a few months ago and now they will happily go to Chelsea and I am very happy for that.

“He’s going to give versatility in the attack on the front row as a forward.

    Chelsea legend Frank Leboeuf is delighted Blues sign Timo Werner (pictured)

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Chelsea legend Frank Leboeuf is delighted Blues sign Timo Werner (pictured)Credit: Getty – Contributor

“Tammy Abraham is more of someone who is going to hold the ball, but when Werner goes to play he is also going to give something else to the midfielders and the defense.

“So it’s a very good catch, I’m very happy.

“I want to see it with [Hakim] Ziyech on the right side, maybe Pulisic on the left side.

“It’s going to be very, very interesting. I think it’s a very, very good signing yeah.”


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Global Trends, Business Overview, Challenges, Opportunity Analysis & Forecast to 2027 – Cabell Standard http://albaruthenicae.info/global-trends-business-overview-challenges-opportunity-analysis-forecast-to-2027-cabell-standard/ http://albaruthenicae.info/global-trends-business-overview-challenges-opportunity-analysis-forecast-to-2027-cabell-standard/#respond Tue, 23 Mar 2021 05:30:10 +0000 http://albaruthenicae.info/global-trends-business-overview-challenges-opportunity-analysis-forecast-to-2027-cabell-standard/ Sample download request The report entitled “Loan Management Software Market Assessment, With Major Company Analysis, Regional Analysis, Breakdown Data by Type, Application, and Forecast to 2021-2027” First introduced the basics of the Loan Management Software market: Definitions, Classifications, Applications and Market Overview; Product specifications; manufacturing process; cost structures, raw materials, etc. The report takes into […]]]>

The report entitled “Loan Management Software Market Assessment, With Major Company Analysis, Regional Analysis, Breakdown Data by Type, Application, and Forecast to 2021-2027” First introduced the basics of the Loan Management Software market: Definitions, Classifications, Applications and Market Overview; Product specifications; manufacturing process; cost structures, raw materials, etc. The report takes into account impact of the novel COVID-19 pandemic on the Loan Management Software market Also provides an assessment of the market definition as well as the identification of the most important major key manufacturers are analyzed emphatically in contrast to the competitive landscape, with regard to Price, sales, capacity, import, export, loan management software market size, consumption, gross, gross margin, revenue and market share. Quantitative analysis of Loan Management Software Market industry from 2015 to 2020 by region, type, application and consumption assessment by regions.

Sample request with complete table of contents and figures and graphics @ https://www.crediblemarkets.com/sample-request/loan-servicing-software-market-462158?utm_source=Akshay&utm_medium=SatPR

In the Competitive Analysis section of the report, major players as well as major players in the Global Loan Management Software Market are broadly studied on the basis of key factors. The report offers comprehensive analysis and accurate statistics on the player’s revenue for the period 2015-2020. It also offers a detailed analysis supported by reliable statistics on price and revenue (at global level) by player for the period 2015-2020.

Overall, the report is proving to be an effective tool that players can utilize to gain competitive advantage over their competitors and ensure lasting success in the global Loan Management Software Market. All conclusions, data and information provided in the report are validated and revalidated using reliable sources. The analysts who authored the report took a unique and industry-leading research and analysis approach to in-depth study of the Global Loan Management Software Market.

The following players are covered in this report:

FICS

Fiserv

Mortgage builder

Nortridge software

Shaw Systems

Applied business software

AutoPal

Cloud loan

Emphasy

GMS

Graveco software

⦿C-Loans

Bryt Software

ISGN Corporation

Margill

GOLDPoint systems

LoanPro software

Data on the breakdown of loan management software by type

Cloud based

On the site

⦿In 2018, Cloud Based accounted for a significant 65% share of the global loan management software market. And this product segment is expected to reach $ 614m by 2024 compared to $ 364m in 2019.

Loan Management Software Breakdown Data by Application

Banks

Credit unions

⦿ Mortgage lenders and brokers

Others

⦿ In the loan management software market, the banking segment holds a significant share in terms of application, and it is expected to reach USD 446m by 2024, at a CAGR of 11.46% in 2019 and 2024. This means that loan management software will show promise in the banking arena over the next two years.

Direct purchase this market research report now @ https://www.crediblemarkets.com/reports/purchase/loan-servicing-software-market-462158?license_type=single_user;utm_source=Akshay&utm_medium=SatPR

Some points from the table of contents

Global Loan management software 2021 Market Research Report

Chapter 1 Loan Management Software Market Overview

Chapter 2 Lending Service Software Market Competition by Manufacturers

2.1 Global Loan Management Software Sales Market Share by Manufacturers (2016-2021)

2.2 Global Loan Management Software Revenue Market Share by Manufacturers (2016-2021)

2.3 Global Loan Management Software Average Price by Manufacturers (2016-2021)

2.4 Manufacturers Lending Service Software Manufacturing Sites, Area Served, Product Type

2.5 Loan Management Software Market Competitive Status and Trends

2.5.1 Loan Management Software Market Concentration Rate

2.5.2 The top 5 worldwide and the top 10 largest players in the loan management software market by revenue

2.5.3 Global Loan Management Software Market Share by Business Type (Tier 1, Tier 2 and Tier 3)

2.6 Mergers and acquisitions of manufacturers, expansion plans

chapter 3 Loan Management Software Retrospective Market Scenario by Region

Chapter 4 Historical Global Loan Management Software Market Analysis by Type

4.1 Global Loan Management Software Sales Market Share by Type (2016-2021)

4.2 Global Loan Management Software Revenue Market Share by Type (2016-2021)

4.3 Global Loan Management Software Price by Type (2016-2021)

Chapter 5 Historical Global Loan Management Software Market Analysis by Application

5.1 Global Loan Management Software Sales Market Share by Application (2016-2021)

5.2 Global Loan Management Software Revenue Market Share by Application (2016-2021)

5.3 Global Loan Management Software Price by Application (2016-2021)

Chapter 6 Key companies profiled

Chapter 7 Analysis of manufacturing costs of loan management software

Chapter 8 Marketing channel, distributors and customers

8.1 Marketing channel

8.2 List of Loan Management Software Distributors

8.3 Loan Management Software Customers

Chapter 9 Loan Management Software Market Dynamics

9.1 Loan Management Software Industry Trends

9.2 Growth drivers of loan management software

9.3 Challenges of the Loan Management Software Market

9.4 Loan Management Software Market Restrictions

Chapter 10 Global Market Forecast

10.1 Loan Management Software Market Estimates and Projections by Type

10.1.1 Global Forecasted Sales of Loan Management Software by Type (2022-2027)

10.1.2 Global Forecasted Revenue of Loan Management Software by Type (2022-2027)

10.2 Loan Management Software Market Estimates and Projections by Application

10.2.1 Global Forecasted Sales of Loan Management Software by Application (2022-2027)

10.2.2 Global Forecasted Revenue of Loan Management Software by Application (2022-2027)

10.3 Loan Management Software Market Estimates and Projections by Region

10.3.1 Global Forecasted Sales of Loan Management Software by Region (2022-2027)

10.3.2 Global Forecasted Revenue of Loan Management Software by Regions (2022-2027)

Chapter 11 Research findings and conclusion

Chapter 12 Methodology and data source

12.1 Methodology / Research approach

12.1.1 Research / design programs

12.1.2 Market size estimate

12.1.3 Market breakdown and data triangulation

12.2 Data source

12.2.1 Secondary sources

12.2.2 Primary sources

12.3 List of authors

12.4 Disclaimer

Do you have a specific question or requirement? Ask our industry expert @ https://www.crediblemarkets.com/enquire-request/loan-servicing-software-market-462158?utm_source=Akshay&utm_medium=SatPR

Key questions addressed in the report

  • What is the Total Market Value of the Loan Management Software Market Report?
  • What would be the forecast period in the market report?
  • What is the market value of the loan management software market in 2021?
  • What do major industry leaders think about loan management software?
  • What is the base year calculated in the Loan Management Software Market report?
  • What are the key trends in the Loan Management Software market report?
  • What are the market values ​​/% growth of emerging countries?
  • Which market has the maximum market share of the Loan Management Software market?

Contact us

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Contact number: +1 (929) -450-2887

E-mail: [email protected]

Thanks for reading this article, you may also get section by chapter or report version by region like North America, Europe, MEA or Asia Pacific.


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It’s time to apply for the US Rugby Foundation scholarships http://albaruthenicae.info/its-time-to-apply-for-the-us-rugby-foundation-scholarships/ http://albaruthenicae.info/its-time-to-apply-for-the-us-rugby-foundation-scholarships/#respond Tue, 23 Mar 2021 05:30:10 +0000 http://albaruthenicae.info/its-time-to-apply-for-the-us-rugby-foundation-scholarships/ Do you know of a high school rugby player who will be heading to college in the fall and playing rugby for his college team? If you do, encourage him to apply for one of the United States Rugby Foundation College scholarships. Since 2008, with the establishment of the Kevin Higgins College Scholarship Program, the […]]]>

Do you know of a high school rugby player who will be heading to college in the fall and playing rugby for his college team? If you do, encourage him to apply for one of the United States Rugby Foundation College scholarships.

Since 2008, with the establishment of the Kevin Higgins College Scholarship Program, the United States Rugby Foundation has offered scholarships to new rugby players in college who have also competed in the sport for their high school or a local U19 club team.

In addition to the Higgins Fellowship, other scholarship programs under the aegis of the US Rugby Foundation are:

– Richard A. Donelli Memorial Scholarships
– Terry O’Reilly Memorial Scholarships
– Meg Votta Memorial Scholarship

To make things as simple as possible, applicants will now be able to indicate whether they want to apply for a particular scholarship or all four on one easy-to-complete application. Applicants can even save work they’ve done on-demand and come back to finish it on another day.

Download the US Rugby Foundation College Scholarship Application [PDF]

Click on the link above to apply for a 2020-2021 US Rugby Foundation College scholarship.

The deadline for all applications for the USRF College Scholarship 2020-2021 is August 31, 2020.

Below is a brief description of the four scholarship programs.

Kevin Higgins College scholarships was created in honor of one of the most prolific centers to ever don an American jersey. Kevin Higgins represented the United States in 28 full internationals and 16 tests with the USA Sevens during an international career that spanned from 1985 to 1991. He was a member of the United States team. in the first two Rugby World Cups and has also participated in the prestigious Hong Kong Sevens tournament on three occasions. Each year, the USRF intends to award up to 10 Kevin Higgins College scholarships to high school graduate students who will join their college or university’s rugby program. Each Kevin Higgins College scholarship will be in the amount of $ 1,000.

Criteria: The Kevin Higgins College scholarships are open to high school graduates. Applicants must have a minimum of 2.5 GPA on a 4.0 scale, demonstrate financial need, plan to attend an accredited four-year college or university with a recognized rugby program, and plan to join said rugby program in Fall 2020. Applicant character, recommendations, community work, school extracurricular activity, rugby potential and personal statement will also be considered in the selection process. This scholarship can be used for tuition, books, or fees.

The Terry O’Reilly Memorial Fellowship Program was introduced in 2016. The scholarships are named in honor of the late Terry O’Reilly, who has been an avid rugby player and lifelong supporter. After 25 years of active play, in which he played for Cal, Bay Area Touring Side (“BATS”), Old Blues of Berkeley and San Jose Silverhawks, Terry has been extremely active in supporting the Northern California Rugby Football Union. and Cal rugby. . He was a trustee of the US Rugby Foundation from 1993 until his death in 2015. He is committed to making rugby as popular a sport in the United States as it is in most other countries of the world. Each year, the USRF intends to award a Terry O’Reilly Memorial Fellowship. Each Terry O’Reilly Memorial Bursary will be in the amount of $ 2,500.

Criteria: The Terry O’Reilly Memorial Scholarships are open to high school graduates. Applicants must have a minimum of 3.0 GPA on a 4.0 scale, demonstrate financial need, plan to attend an accredited four-year college or university with a recognized rugby program, and plan to join said rugby program in Fall 2020. Applicant character, recommendations, community work, school extracurricular activity, rugby potential and personal statement will also be considered in the selection process. This scholarship can be used for tuition, books, or fees.

The Meg Votta Memorial Scholarship Fund was created in 2010 to honor the memory of Margaret “Meg” Votta, who died in November 2009 after a valiant battle with ovarian cancer. Meg was a graduate of Hamilton College, but her rugby career began as a player for Cornell Women’s Rugby Football Club, which became Gotham City Women’s RFC and eventually New York Women’s Rugby (NYRC). She may be the only woman to wear all three swimsuits. She was also the founder of the much-loved Touring Women Over Thirty, The Olde Girls, the only national old girls rugby team in the United States. Meg was also an accomplished chef and was a graduate of the Culinary Institute of America. In the early 1990s, she won a local chili preparation competition and this event was revived as a fundraiser for scholarships. Meg asked her friends to keep supporting rugby. Combining rugby with cooking and a scholarship for future rugby players helps keep Meg’s spirit alive for the sport she loved. Each year, the USRF intends to award Meg Votta Memorial Scholarships to a deserving male and female rugby player. Each Meg Votta Memorial Bursary will be in the amount of $ 1,250.

Criteria: The Meg Votta Memorial Scholarship Fund was established to provide scholarships to deserving members of the rugby community who have been active players in local high school programs and which are to be used for continuing education. The Meg Votta scholarships are open to high school graduates. Applicants must have a minimum of 2.5 GPA on a 4.0 scale, demonstrate financial need, plan to attend an accredited four-year college or university with a recognized rugby program, and plan to join said rugby program. rugby in fall 2020. Scholarships are awarded to the boy and girl who each best expresses what rugby has meant to them and their plans for further education. This scholarship can be used for tuition, books, or fees.

The Richard A. Donelli Memorial Scholarship was created in honor of one of the most dominant players of the 1960s and 1970s. A former Columbia University starting quarterback Dick Donelli co-founded Old Blue Rugby Football Club in 1961. Dominant scrum half Physically, Donelli was legendary for his athleticism, technical passing skills and competitive nature. In 1972, Donelli captained the Met New York All-Stars against the New Zealand All-Blacks in a 40-10 loss. Dick went on to coach the Old Blue RFC in the last four appearances from 1979 to 1986. Each year, the USRF awards a scholarship to a junior or senior college player, male or female, within reasonable proximity to the New York metro area. before or after graduation. The scholarship is in the amount of $ 1,000 and is presented at the annual Old Blue Hall of Fame dinner.

Criteria: A Richard A. Donelli Memorial Scholarship could also be open to a high school graduate if there is no qualified junior and senior college candidate. Applicants must have a minimum GPA of 3.0 on a 4.0 scale, demonstrate financial need, and attend an accredited four-year college or university with a recognized rugby program. The candidate’s character, recommendations, community work, extracurricular activities, rugby potential and personal statement will also be considered in the selection process. This scholarship can be used for tuition, books, or fees.


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The ice rink opens for a one-month season http://albaruthenicae.info/the-ice-rink-opens-for-a-one-month-season/ http://albaruthenicae.info/the-ice-rink-opens-for-a-one-month-season/#respond Tue, 23 Mar 2021 05:30:10 +0000 http://albaruthenicae.info/the-ice-rink-opens-for-a-one-month-season/ PORT ANGELES – Call it an ice vacation without the real vacation. A spring version of the Port Angeles Winter Ice Village opens today for a month of skating on a temporary ice rink set up in a public parking lot in the 100 block of West Front Street. The ice rink is expected to […]]]>

PORT ANGELES – Call it an ice vacation without the real vacation.

A spring version of the Port Angeles Winter Ice Village opens today for a month of skating on a temporary ice rink set up in a public parking lot in the 100 block of West Front Street.

The ice rink is expected to operate daily until April 18.

Unlike two previous editions of skating that took place during the holiday season from Thanksgiving to Christmas, this skating season has been delayed until early spring due to concerns about the spread of COVID-19.

Marc Abshire, executive director of the Port Angeles Regional Chamber of Commerce, which hosts the event, said his group wanted to make up for the cancellation of the vacation skating.

“It’s to make up for the loss of this last season,” he said.

The ice rink, tent lining and snack hut will still be there, but this year’s village will forgo holiday lighting and Christmas themes, Abshire said.

The only nod to the holidays will be the peanut butter and chocolate eggs at the concession stand in honor of Easter on April 4.

Department of Health guidelines limit skaters to 75 at a time on the ice. That number could increase, but Abshire said that was not guaranteed.

During the 2019-2020 skating season, at times as many as 125 skaters were on the ice, with a potential of up to 150.

“I think everything will be fine when it comes to the limits,” Abshire said. “I think there will always be good skating.

In order to discourage large crowds during peak hours, discounts will be given for morning sessions, Abshire said.

The fee will be $ 5 for morning skating from 9 a.m. to noon. Afternoons between 12:30 p.m. and 3 p.m. will be $ 10.

Evening sessions are scheduled from 3:30 p.m. to 6 p.m. and from 6:30 p.m. to 9 p.m. and will cost $ 10 per person Monday through Thursday and $ 15 per person Friday through Sunday. These sessions will be $ 15 during spring break, April 5 to 9.

Young people and adults will pay the same price, with a minimum age of 3 years.

“This is a new pricing structure that we had to do because of COVID,” Abshire said. “It’s to try to get fewer people in popular times and more people in less popular times.”

Reservations are available, but not required, although free space may be limited.

Ice time can be booked at https://wintericevillage.org/make-a-reservation.

The 2019-2020 skating season almost came to an abrupt end when up to 2 feet of heavy, wet snow collapsed the tent on January 19, 2020 – the week before the scheduled closing day.

The destroyed tent, which had been on loan from 7 Cedars Casino, was removed and the ice rehabilitated enough to allow the skating season to end outdoors.

For this year, the chamber bought its own tent, Abshire said. The ice rink and support equipment are rented from Ice-America, based in Harbor City, California.

Holiday skating is scheduled to resume for the 2021-22 regular season.

Hopefully the wintry weather won’t disrupt holiday skating like in 2020, Abshire said.

“It was an overnight event, and there was basically no one here to really watch it,” he said. “What we have learned is that it is not enough to listen to the forecast.”

Leslie Robertson, head of events at the Chamber of Commerce, said she was happy to be able to bring the ice back to Port Angeles, especially at a time when the calendar of other events is sparse.

“The season is a lot shorter so it will be different,” she said. “But that’s when the community is in desperate need of something, and I think it comes at a perfect time. I’m so glad we can do it. So happy.”

________

Photojournalist Keith Thorpe can be reached at 360-452-2345, ext. 59050, or at [email protected].

Ice-America’s Scott Rensmon is hosting skate racks earlier this week at the Ice Village being assembled in downtown Port Angeles. (Keith Thorpe / Peninsula Daily News)

Ice freezes under a tent covering earlier this week at the Port Angeles Winter Ice Village.  (Keith Thorpe / Peninsula Daily News)

Ice freezes under a tent covering earlier this week at the Port Angeles Winter Ice Village. (Keith Thorpe / Peninsula Daily News)



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Mortgage rates hit their lowest before the holiday weekend http://albaruthenicae.info/mortgage-rates-hit-their-lowest-before-the-holiday-weekend/ http://albaruthenicae.info/mortgage-rates-hit-their-lowest-before-the-holiday-weekend/#respond Tue, 23 Mar 2021 05:30:09 +0000 http://albaruthenicae.info/mortgage-rates-hit-their-lowest-before-the-holiday-weekend/ The 30-year fixed rate mortgage averaged 3.07% for the week ending July 2 (iStock) Falling mortgage rates hit another milestone this week, according to latest report from Freddie Mac primary mortgage market study. The 30-year fixed-rate mortgage was on average 3.07% for the week ending July 2, down 0.06 percentage points from the previous week […]]]>

The 30-year fixed rate mortgage averaged 3.07% for the week ending July 2 (iStock)

Falling mortgage rates hit another milestone this week, according to latest report from Freddie Mac primary mortgage market study.

The 30-year fixed-rate mortgage was on average 3.07% for the week ending July 2, down 0.06 percentage points from the previous week and 0.68 percentage points year-on-year . This is the lowest rate on record since the survey began in 1971.

“Mortgage rates continue to slowly decline with a strong possibility that the average 30-year fixed-rate mortgage could drop below 3% later this year,” said Sam Khater, chief economist at Freddie Mac, in a statement. communicated.

“On the economic front, incoming data suggests that the rebound in economic activity has halted over the past two weeks with modest declines in consumer spending and a decline in purchasing activity,” a- he added.

The 15-year fixed rate mortgage edged down to 2.56%, while the 5-year Treasury indexed variable rate hybrid mortgage averaged 3%.

30-year and 15-year fixed rate mortgages both averaged 0.8 point for the week, which means consumers paid an average of 0.8% of the loan amount in discount and origination fees.

Since the Federal Reserve lowered its benchmark interest rate to near zero in mid-March, the spread between the 10-year Treasury yield and the average 30-year fixed-rate mortgage has been historically tall. Economists attributed this to challenges facing the retail mortgage market, which are expected to subside in the coming months.

Decreasing rate have led to a boom in mortgage applications in recent months, reaching a 11-year-old in mid-June before falling off amid doubts about economic recovery.


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COVID-19 – Emergency Loans for Small Businesses in America http://albaruthenicae.info/covid-19-emergency-loans-for-small-businesses-in-america/ http://albaruthenicae.info/covid-19-emergency-loans-for-small-businesses-in-america/#respond Tue, 23 Mar 2021 05:30:09 +0000 http://albaruthenicae.info/covid-19-emergency-loans-for-small-businesses-in-america/ On March 27, 2020, the Coronavirus Aid, Relief and Economic Security Act (the CARES Act) was promulgated. Under the CARES Act, the U.S. government has implemented a Paycheck Protection Program (PPP) to provide up to $ 349 billion in emergency forgivable loans to small businesses operating in the United States. in order to stabilize their […]]]>

On March 27, 2020, the Coronavirus Aid, Relief and Economic Security Act (the CARES Act) was promulgated. Under the CARES Act, the U.S. government has implemented a Paycheck Protection Program (PPP) to provide up to $ 349 billion in emergency forgivable loans to small businesses operating in the United States. in order to stabilize their US payroll and certain other trade costs.

On Thursday evening, further details on the scope and eligibility criteria of the PPP were released. This update is designed to help people with U.S. businesses (including U.S. subsidiaries of Canadian companies) determine if they may qualify for this much-needed support.

This program is applied on a “first come, first served” basis and will end once the funds made available for the PPP are exhausted – the companies concerned should therefore do their best to proceed quickly.

The Paycheque Protection Program

Under the PPP, small businesses can apply to receive loans at 1% interest rate over 2 years for the lesser of US $ 10 million and 2.5 times their average monthly salary costs in the US by 2019 (subject to an annual salary cap of US $ 100,000 per employee).

The CARES Act provides that up to the full principal and accrued interest of the loan may be waived if:

  • the loan is used for the salary costs of employees whose principal place of residence is in the United States and payments of mortgage interest, rent and utilities for the period of 8 weeks following the granting of the loan; and
  • employee and compensation levels are maintained.

The PPP is administered by the Small Business Administration (SBA) in the United States and the first day loans were available was Friday, April 3, 2020. Funding is provided directly by participating private sector lenders, each of whom will have their own. form. of the PPP loan application, and 100% guaranteed by the SBA.

Who is eligible?

Generally, a business is eligible for a PPP loan if it:

  • has fewer than 500 employees (including full-time, part-time and temporary employees);
  • has an establishment in the United States; and
  • operates primarily in the United States or makes a significant contribution to the United States economy through taxation, labor, or product use.

While there is still some ambiguity in the eligibility requirements, we believe that US subsidiaries and US branches of non-US companies should be eligible to apply for the PPP as long as they meet the aforementioned criteria. Given the lack of clear direction and the exceptional speed of deployment of this program, it is possible that some lenders take the opposite view.

Early reports from the first day of PPP loan applications (Friday, April 3, 2020) indicate that there is widespread confusion and inconsistency among banks regarding admission and eligibility requirements.

Where to find lenders?

Borrowers can apply for a PPP loan through financial institutions that already participate in the SBA 7 (a) loan program. The SBA is also working with other financial institutions to enroll them as lenders under the PPP. Borrowers should contact a US lender and confirm if they are participating in the PPP. As a first step, borrowers should consider contacting a lender with whom they have a pre-existing relationship, as lenders may consider an existing account to be a prerequisite for the application review process.

How long does the PPP last?

The PPP is open to applications until June 30, 2020 or until the funds made available for the PPP are exhausted. Since loans are granted on a “first come, first served” basis, borrowers should consider contacting a lending bank as soon as possible.

According to an SBA estimate in 2018, there were over 30.2 million small businesses in the United States.

How to calculate the maximum loan amount?

Please see below for an example of calculating the maximum PPP loan amount, which is capped at USD 10,000,000. Please note that the calculation method is different for seasonal businesses.

Annual salary)

Benefits (annual)

Employee residing in the United States # 1

US $ 80,000

US $ 20,000

Employee residing in the United States # 2

US $ 90,000

US $ 20,000

Employee residing in the United States # 3

US $ 150,000

US $ 20,000

Total salary costs

US $ 380,000

Subtract the amount of compensation beyond the annual salary of 100,000 USD for employee # 3

Subtract by US $ 50,000

Eligible salary costs

US $ 330,000

Divide by 12

Eligible monthly average salary costs

US $ 27,500

Multiply by 2.5

Maximum PPP loan amount

US $ 68,750

Are the employees of the subsidiaries counted against the threshold of 500 employees?

Companies applying for the PPP will be grouped with their “affiliates” around the world to determine if they meet the eligibility limit of 500 employees. Non-US employees of an affiliate count towards the 500 employee threshold.

Companies will be affiliated when one has the power to control the other, or the entities are under the common control of a third party, whether through ownership, joint management or contractual relationships. The SBA will consider all of the circumstances to determine whether the companies are affiliated, including the affiliation resulting from ownership of shares, stock options or convertible securities, merger agreement, management overlapping and the identity of a company or of a close economic interest.

Can a start-up supported by PE or VC apply for a PPP loan?

If a start-up supported by PE or VC meets the eligibility conditions described above, yes. A start-up should pay close attention to the 500 employee threshold by confirming whether its PE or VC funder is “controlling” itself or any other business based on the SBA-stated factors discussed above. For example, if a PE or VC fund controls more than 50% of the voting securities of start-up A and start-up B, start-up A should include the employees of start-up B for determine if it exceeds the 500-employee threshold. In some cases, a minority investor may be deemed to “control” a company if they have a veto right over the actions of the board of directors. Therefore, careful consideration of a startup’s capital structure, charter, shareholder agreements and similar documents is required before submitting a PPP loan application.

When should you make payments under the PPP loan?

Once a loan is granted, payments start after 6 months, but interest accrues during this period.

Do you have to pay any fees to apply for the loan?

Neither the US government nor the lenders will charge a fee for applying for a PPP loan.

Do you need to post a guarantee or provide a personal guarantee?

No.

What can you use the loan for?

The PPP loan can be used for eligible salary costs of employees whose primary place of residence is in the United States as well as (to a limited extent) mortgage interest, rent, and utility payments. According to the latest guidance provided under the PPP, due to the likely high demand for loans, no more than 25% of the amount remitted can be used for non-salary costs.

Salary costs include salary (subject to the annual salary cap of US $ 100,000 per employee), commissions, benefits (including costs for parental, family, medical or sick leave and payments required for benefits. health care) and national and local taxes assessed on remuneration.

Can the loan be canceled?

Up to the total amount of principal and accrued interest of a loan may be canceled if:

  • the loan proceeds are used to cover eligible labor costs and mortgage interest, rent and utilities payments during the 8 week period following the granting of the loan; and
  • employee and compensation levels are maintained.

It is important to note that there is a cap on loan cancellation for amounts used to cover eligible non-salary costs (e.g. rent) equal to 25% of the amount borrowed.

To request a loan forgiveness, a borrower must send a request to their lender and provide the relevant documents to verify compliance with the conditions mentioned above.

What is the loan application process?

The latest sample application form provided by the US Treasury Department can be found here. Lending banks will usually have their own application forms based on this sample. At a minimum, lending banks will need payroll-related documents such as payroll processor records, income tax returns, or the 1099-MISC form to support the application.

Each candidate for a PPP loan must also certify, among other things, that:

  • the uncertainty of current economic conditions makes the loan application necessary to support the applicant’s ongoing operations;
  • the funds will be used to retain workers and maintain the payroll or make mortgage payments, lease payments and utility payments; and
  • During the period starting February 15, 2020 and ending December 31, 2020, the applicant has not received and will not receive another PPP loan.

What about other assistance programs under the CARES Act?

Borrowers can apply for other financial aid from the SBA, including economic disaster loans, provided there is no duplication in the use of funds. For example, if a borrower uses their PPP loan to pay some employee’s salary during the 8 week period, they cannot use another SBA loan to cover those same costs.

However, obtaining a loan under the PPP renders a company ineligible for certain other reliefs, such as payroll tax relief which is otherwise available under the CARES Act.

What is still unknown about PPP loans?

Many important details regarding PPP loans are underdeveloped. The US Department of the Treasury and the SBA continue to issue real-time PPP rules and guidance. A number of key questions regarding the PPP remain, including the following:

  • Is the 1% interest rate compounded annually?
  • What happens if the borrower does not repay the loan?
  • What are the terms of PPP loans?

Where can you find more information about PPP?

See PPP related resources on the US Department of the Treasury website: https://home.treasury.gov/policy-issues/top-priorities/cares-act/assistance-for-small-businesses and on the SBA website: https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program-ppp. Please also contact an eligible lender with whom you have a pre-existing relationship.

How do I get help moving forward?

If you have any further questions about your eligibility for a PPP loan, or if you need help moving your application forward, please do not hesitate to contact one of the authors of this update to discuss further.


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Court Files: Disgraced Pharmacist Falsified Wife’s Name Using $ 2 Million Loans | New http://albaruthenicae.info/court-files-disgraced-pharmacist-falsified-wifes-name-using-2-million-loans-new/ http://albaruthenicae.info/court-files-disgraced-pharmacist-falsified-wifes-name-using-2-million-loans-new/#respond Tue, 23 Mar 2021 05:30:08 +0000 http://albaruthenicae.info/court-files-disgraced-pharmacist-falsified-wifes-name-using-2-million-loans-new/ MORGANTOWN – When Amy Tingler’s home was raided by federal agents in the wee hours of August 18, 2018, the pharmacist and mother of three knew her world had changed forever. Her former college boyfriend and husband of 15 years, Scott, a pharmacist like Amy herself, has been accused of conspiring with others to distribute […]]]>

MORGANTOWN – When Amy Tingler’s home was raided by federal agents in the wee hours of August 18, 2018, the pharmacist and mother of three knew her world had changed forever.

Her former college boyfriend and husband of 15 years, Scott, a pharmacist like Amy herself, has been accused of conspiring with others to distribute massive amounts of oxycodone in Monongalia County and beyond. of the.

Scott Tingler subsequently pleaded guilty to distributing over 7,400 grams of oxycodone over a four-year period and filing a false income tax return. He agreed to give up his pharmacist’s license and never ask for his reinstatement. He was ordered to pay $ 507,942.42 in restitution to former employees and to the Internal Revenue Service.

Tingler is currently housed at Hazelton Federal Prison where he is serving a 10-year sentence. Amy Tingler, now his ex-wife, and her three children recently moved in with her parents.

Scott Tingler left Amy with a few more farewell gifts she knew nothing about: four loans totaling nearly $ 2 million that he had secured by forging his wife’s name as a co-signer. Scott Tingler has defaulted on these loans since his arrest and conviction. He admits to having falsified his wife’s name on countless loan application documents.

Amy Tingler was stuck with the fallout.

“It’s pretty scary what happened to me because it could happen to others,” Amy Tingler said. “He was someone who had access to all of my personal information, my social security number, and answers to various questions only he would know.”

Armed only with this basic information about his wife and the willingness to forge his signature, Scott Tingler secured the loans to help keep oxycodone running and his other business ventures.

Records show he got his first fraudulent loan in 2007 when he falsified information and walked away with over $ 350,000 from WesBanco to Wheeling in 2007. In 2014, Tingler forged his wife’s signature again. , this time with the 1st National Bank of Pennsylvania, and was approved for a loan of $ 500,000. In 2017, Tingler secured a $ 1.1 million loan from Citizen’s Bank, now known as Unified Bank.

The initial three loans all took place in the Ohio Valley area of ​​the tri-state region. All three loans were managed and approved by the same loan officer, who is now a senior manager at Unified Bank.

In 2018, with the United Federal Credit Union in Cheat Lake, Scott Tingler received a $ 16,000 home equity line of credit, again with his wife’s fake signature as a co-signer – even though his arrest in August 2018 had made the headlines of the local newspapers.

“No one even bothered to google their name. He forged my signature 20 times. Scott said he was “going to take the papers home for my wife to sign” and that was OK for them. He took the papers back to the bank and they notarized them, even though I wasn’t there to sign them in front of anyone, ”Amy Tingler said.

Amy Tingler said she was working with a lawyer to dissociate herself from one of the fraudulent loans, but said some of her personal property remained encumbered by the loan granted.

Scott Tingler was in court Tuesday at the Monongalia County Justice Center, in a hearing for one of the loan fraud cases, which was halted on February 26 amid the first coronavirus pandemic. Tuesday’s conviction itself, however, was postponed to Thursday, August 6 at 11 a.m. to allow the judge and defendant to review the transcript of those earlier court proceedings.

“This hearing had been postponed since the COVID-19 epidemic. I don’t remember the details of this case and I think we could benefit from reviewing the transcript of these proceedings, ”said Judge Philip D. Gaujot of the 17th Judicial Circuit Court.

Jason Wingfield, counsel for the accused, said his client “would also like to review the transcripts,” prompting Gaujot to postpone the hearing.

As part of her victim’s remarks during her ex-husband’s sentencing, Amy Tingler had planned to use the forum to discuss her ex-husband’s ability to request and receive large sums of money by forging several times his name.

When the hearing resumes in August, Amy Tingler will speak in front of the judge and her former husband’s courtroom. She will also address her disappointment with the banking system for not having more security checks to prevent fraudulent loans.

“I was really hoping to get my word out because I found out that banking practices across the state are really not up to par,” she said after the hearing was postponed. “A lot of banks don’t follow protocol. Some say they don’t even have a protocol. When you confront them, they will just “no comment”.

Until then, she said she was on a crusade not only to clear her name from fraudulent debts, but to educate citizens that some banks do not exercise due diligence when it comes to granting loans.


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