Commerce – Greek Homes http://greekhomes.info/ Fri, 30 Apr 2021 08:13:27 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.1 http://greekhomes.info/wp-content/uploads/2021/04/default.png Commerce – Greek Homes http://greekhomes.info/ 32 32 LoanMart: Staying Safe with COVID-19 in Florida http://greekhomes.info/loanmart-staying-safe-with-covid-19-in-florida/ http://greekhomes.info/loanmart-staying-safe-with-covid-19-in-florida/#respond Thu, 11 Mar 2021 05:41:24 +0000 http://greekhomes.info/loanmart-staying-safe-with-covid-19-in-florida/

VAN NUYS, Calif .– () – Hello LoanMart family,

As the coronavirus / COVID-19 continues to be a widespread problem in our communities in Florida and beyond, our hearts are with all those affected by this terrible disease. The COVID-19 virus has caused global economic hardship and incredible devastation in such a short time. As the world faces an unprecedented impact from the pandemic, we now see – more than ever – that we need to exert a positive influence within our own community and that of the wider community of all. the possible ways.

Many Florida residents are particularly concerned since the southeastern state was initially hit so hard by coronavirus infections. While Florida is one of many states that may have a specific shelter-in-place order, many people in this coastal state are still concerned about the rapid spread of the virus.

As the situation and crisis evolves, LoanMart will continue to align to meet the emerging needs of our communities and public health. We recognize that thousands of people need the services of LoanMart, especially in these difficult times. At LoanMart, our responsibility is to take care of our communities by keeping our doors closed and our business online.

The safety of our employees and customers comes first. Our LoanMart promise is to keep the best interests of customers and employees in mind as these crucial months unfold. LoanMart is dedicated to implementing the policies of the Centers for Disease Control and Prevention (CDC) to fully protect the community, as well as the well-being of the LoanMart family. This is just one of the many steps LoanMart is taking during this troubled time as we continue to serve our customers, partners and employees.

Along with other businesses in Florida and around the world, we can be part of the solution during this critical time. Even the smallest of actions, like staying home and practicing social distancing, can be effective in helping to reduce the spread of the virus. LoanMart is taking action to reduce risk and encourage responsible action in the face of the COVID-19 coronavirus.

Advice for Florida residents on safety during this COVID-19 quarantine

This virus continues to be a problem for residents around the world. The only way to beat it is together – everyone can do their part to keep their community safe, starting by learning about the best possible preventative practices. LoanMart is committed to keeping its employees informed, maintaining strict travel policies, and canceling or postponing any gatherings. To actively keep the community safe, LoanMart has taken independent steps to prevent the spread of the virus and would like to share this advice with the public.

In order to reduce the risk to vulnerable people in our society, everyone must take precautions as this virus continues to grow. LoanMart is closely following the recommendations of the Centers for Disease Control and Prevention (CDC) on how we might be able to mitigate the transmission of the virus. As of now, the CDC recommends social distancing as the primary defense against the spread of COVID-19. Staying at home as much as possible and at least six feet apart in public is essential to reducing the spread of the virus, as well as maintaining public safety.

As part of the Florida Shelter-in-Place Order, residents are encouraged to stay home and avoid going outside unless absolutely necessary. If you must go out, it is recommended that you keep a social distance of at least six feet from other people and wear a mask to prevent the spread of the virus.

The CDC also recommends limiting social gatherings in any form, as large groups coming together can accelerate the spread. The virus is mainly spread through coughs and other close contact, so following these recommendations is essential to help keep the Florida community safe.

In addition to these helpful tips provided, LoanMart would also like to share that the CDC has recommended the prevention measures mentioned below. You can also read more about how Floridians can protect themselves from the coronavirus on the Florida Health COVID-19 website.

  • Wash your hands often and thoroughly with soap and water for at least 20 seconds. To do this, cover all sides of the hands with foam to ensure cleanliness. This should always be done after blowing your nose, coughing or sneezing; go to the bathroom; and before eating or preparing food for yourself or for others.

  • Cover your cough or sneeze with a tissue, then throw the tissue in the trash and wash your hands immediately after. Cleanliness can also be a crucial tool in the fight against this virus.

  • Make sure you stay home when you are sick. Do not risk the health of your community and the spread of the virus.

  • Avoid touching your face with unwashed hands – this includes your eyes, nose, and mouth.

Effective self-quarantine in Florida

If you are currently in self-isolation or mandatory quarantine, the CDC also recommends these helpful measures:

  • Try to avoid close contact with people who are sick or who feel sick. Some signs of potential illness are fever, difficulty tasting food, shortness of breath, and persistent cough.

  • Protect yourself by staying home when you are sick, except for medical attention.

  • Protect others by covering your coughs and sneezes with a tissue. The virus can easily be spread by coughing, so it is essential to be vigilant about your coughing and sneezing.

  • If you are quarantined or isolated with others, be sure to clean frequently every day frequently touched surfaces and objects (for example, tables, counters, light switches, doorknobs and cabinet handles). This can be done using regular combinations of detergent and water. To disinfect surfaces more effectively, the CDC recommends dilute solutions of bleach, as well as alcohol solutions containing at least 70% alcohol. In addition, most household disinfectants registered by the EPA can also be effective.

No one can be absolutely sure how this crisis will develop in Florida and beyond, but we can be sure how we will respond to it. The next few months can be particularly crucial in terms of prevention and risk. By responding responsibly and compassionately, at LoanMart we can help ensure that the impact of the virus is more limited and less likely to seriously harm those most vulnerable. By acting in a responsible and conscious manner, we can make the most of this situation for everyone.

The pandemic has caused untold amounts of fear and stress among people of all age groups and backgrounds, especially the vulnerable. The elderly and those with weakened immune systems are particularly vulnerable to the virus. We all have loved ones who might be vulnerable to this virus, which can cause significant stress.

LoanMart cares about supporting the mental health of its customers and employees, especially during this vulnerable time to help make the community stronger.

For those feeling this stress and anxiety, LoanMart would like to share the CDC’s recommendations on how to cope:

  • Give yourself an immersive break to watch, read or listen to reports on the virus. This also includes social media, as it can increase anxiety. Hearing about the pandemic over and over can be overwhelming and damage your mental health.

  • Remember to take care of your body and mind. Practice meditation, which includes deep breaths and stretching to reduce anxiety. Make sure you eat healthy meals, Have had plenty of sleepand exercise regularly to reduce your stress levels.

  • Take the time to relax. Try to do other activities that you enjoy and explore new hobbies to keep your mind active.

  • Connect with your friends and family. Keep communication open with people you trust about your concerns and feelings to help reduce stress.

Although most public gathering places such as restaurants and entertainment centers in Florida are closed, daily short walks on the beach or sitting in the sun at a safe distance from other people are encouraged to keep the moral. Supporting Yourself supports the community and together it gets stronger, in Florida and beyond.

A LoanMart employee suggests these helpful tips for you and your healthy loved ones during these tough times: “Leave your shoes outside and change your clothes after a trip away from home.” – Rick Chang – https://www.800loanmart.com/fl

At LoanMart, we recognize how difficult these times have been for the whole world financially. As a business that exists almost solely to help those who find themselves in difficult financial situations find a solution, we recognize how critical our business is to thousands of people during these difficult times. Although the virus has hit Florida particularly hard, more than 6 million people in the United States are unemployed due to the widespread pandemic. With rising unemployment and the financial crisis, now is the time to help those in need achieve the financial freedom they deserve.

For the safety of our employees and valued customers in Florida and the United States, LoanMart has decided to do business online to prevent further spread of the disease. It’s a responsibility LoanMart has taken on to adhere to guidelines set by the CDC, as well as to protect Florida’s most vulnerable populations.

LoanMart continues to promote the health of surrounding communities, as well as of its customers nationwide. As valued members of the LoanMart family, you can always count on us to help you with all in our power during these difficult times.

LoanMart

LoanMart is a marketer and servicing agent for ChoiceCash securities loans made by Capital Community Bank, a Utah chartered bank located in Provo, UT, member of the FDIC.

]]> http://greekhomes.info/loanmart-staying-safe-with-covid-19-in-florida/feed/ 0 Few Must-Have Invoice Templates Every Freelancer Should Have http://greekhomes.info/few-must-have-invoice-templates-every-freelancer-should-have/ http://greekhomes.info/few-must-have-invoice-templates-every-freelancer-should-have/#respond Thu, 11 Mar 2021 05:41:24 +0000 http://greekhomes.info/few-must-have-invoice-templates-every-freelancer-should-have/ Freelance writing is undoubtedly one of the highest paying professions in the world today. It totally depends on an individual’s skills and experience as well as the field in which he chooses to become independent. About 60 million Americans were registered as self-employed in 2017 and this is predicted in an article by Forbes that […]]]>

Freelance writing is undoubtedly one of the highest paying professions in the world today. It totally depends on an individual’s skills and experience as well as the field in which he chooses to become independent. About 60 million Americans were registered as self-employed in 2017 and this is predicted in an article by Forbes
that half of the country will earn through freelance for the next decade by 2027.

There are different types and standards of freelance writing. Some people work as full-time freelancers at an expert level while others still hold a 9 to 5 job while managing to become self-employed at an intermediate level in their respective fields. These areas include project management, software development, medical and health data optimization, content writing, customer service, analyst, accounting and finance, and more. market.

Apart from that, he carries another kind of influence and advantage. A freelance writer is one who has complete control over his workload which is considered the best part of that job. It’s like being your own boss and managing your time and schedule around responsibilities, tasks, and mood swings. You can get as many breaks as you want. On top of that, you are supposed to motivate and encourage yourself by staying in your comfort zone and completing the task assigned to you.

However, different freelance fields have different requirements. For example, content writing and copywriting requires a lot of research work, while graphic and instructional design requires a lot of creativity. Just like that, an accountant is supposed to work on a particular software or platform of the organization itself.

However, in this article, we will discuss the different types of freelance options that a person can choose from. In addition to that, we will share a few role models that every freelancer must have in order to excel in their career by exercising it accordingly.

Choose the right models

When entering the freelance business, few newbies consider bureaucracy. Usually this means making sure to deal with different types of documents that are considered part of a freelance writer’s job, but he must be well prepared for it. It sure sounds intimidating at first, but once you start dealing with the workload it not only becomes easy, but you also become aware of the right kind of system to save time.

For this reason, the majority of freelancers opt for the option of using templates.

Templates make the pursuit of tasks very convenient and manageable. These are very general documents but cannot be used for every situation or type of work. However, there is no doubt that they are a great help for someone with a huge workload. And that is why, in the majority of cases, freelancers opt for this alternative.

The contract model

The contract models are the ones that vary a lot. They usually appear to be a blank, standard form that needs to be filled in with the particular information to use them as a contract between two or more parties. Often they have repeated terms and phrases that can be used in different contexts. However, it is recommended that freelancers choose the most important ones that suit them in this regard.

The main aspects that should be addressed in any freelance contract template are:

  1. Pricing
  2. Payment schedule
  3. Deadline
  4. Fresh
  5. Copyright, etc.

The invoice template

Similar to contracts, invoices also differ tremendously depending on the requirements of the freelance writer. The main things that every invoice template should have are the area for the company logo along with their contact details and, if possible, a watermark on the page.

In addition to this, the template should also contain a specific location for an invoice number and date. Along with this, a freelance writer should not forget to write down the total amount owed along with the full payment method and deadline.

Various freelancers and small businesses choose to create the invoice templates for word impress clients with their professionalism in the field. They minimize time by being able to report effectively. It is important to ensure that full customization is offered in the template so that your customer or the person who uses the template can use it accordingly.

The CV template

To some it seems a bit strange, but CVs are also treated as a template. They have the proper formatting, alignment, description, and method to bring it all in. This important model must be taken into account without being ignored. However, the same template doesn’t have to be delivered to every potential customer, be sure to modify it and tailor it to their needs.

As a freelance writer, consider the key qualifications and skills that are most important in this area for freelance projects. Make sure to keep track of everything you have done that might be useful and relevant to you in order to find a more suitable opportunity.

Avoid mentioning irrelevant information because no one will ever recognize it. This extra effort can land your resume or template in the wastebasket if it isn’t appealing enough after a quick glance from the employer.

Proposal models

An individual should create the proposal templates in order to send them to clients once they find out about the freelance services they offer online. A well-written and professional proposal template leaves a good reputation for your services to the client.

However, the proposal should list the work, skills, and tasks you can provide as well as the prices you charge for your services. In addition, you will need to list your proposal by adding your client’s contact details as well as their name, etc.

Having a well-managed proposal template that you can update and use across different platforms for multiple clients will be helpful in minimizing your time and effort while increasing your productivity every time.

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California Dept. of Business Oversight Launches ‘Real Lender’ Investigation into Auto Title Lender and Bank of Utah Partnership | Ballard Spahr LLP http://greekhomes.info/california-dept-of-business-oversight-launches-real-lender-investigation-into-auto-title-lender-and-bank-of-utah-partnership-ballard-spahr-llp/ http://greekhomes.info/california-dept-of-business-oversight-launches-real-lender-investigation-into-auto-title-lender-and-bank-of-utah-partnership-ballard-spahr-llp/#respond Thu, 11 Mar 2021 05:41:24 +0000 http://greekhomes.info/california-dept-of-business-oversight-launches-real-lender-investigation-into-auto-title-lender-and-bank-of-utah-partnership-ballard-spahr-llp/ On September 3, 2020, the California Department of Business Oversight (DBO) announced that it had opened a formal investigation to find out whether Wheels Financial Group, LLC d / b / a LoanMart, formerly one of the largest licensed auto securities lenders to the State of California, “is evading the newly adopted interest rate caps […]]]>

On September 3, 2020, the California Department of Business Oversight (DBO) announced that it had opened a formal investigation to find out whether Wheels Financial Group, LLC d / b / a LoanMart, formerly one of the largest licensed auto securities lenders to the State of California, “is evading the newly adopted interest rate caps in California with its recent partnership with a foreign bank. ” Associated to the passage of AB-1864 by the California legislature, which will give the DBO (which will be renamed the Department of Financial Protection and Innovation) a new supervisory authority over certain previously unregulated consumer financial service providers, the DBO announcement is an unsurprising but nonetheless threatening development for partnerships banking / non-banking in California and the country.

In 2019, California enacted AB-539, the Fair Access to Credit Act (FACA), which, effective January 1, 2020, limits the interest rate that can be charged on loans from $ 2,500 to $ 10,000 by California Financing Law (CFL) approved lenders at 36% plus the federal funds rate. According to the DBO press release, until the FACA took effect, LoanMart provided state-licensed auto title loans at rates above 100%. Subsequently, “using its existing lending operations and staff, LoanMart began to ‘market’ and ‘manage’ auto title loans purportedly made by CCBank, a small Utah chartered bank operating in Provo , in Utah. ” The DOB reported that these loans have interest rates above 90 percent.

The DBO press release said it had issued a subpoena to LoanMart requesting financial information, emails and other documents “relating to the genesis and parameters” of its deal with CCBank. The DBO said it “is investigating whether LoanMart’s role in the arrangement is broad enough to require compliance with California loan laws.” In particular, the DBO is investigating whether LoanMart’s arrangement with CCBank is a direct effort to escape the [FACA], an effort that the DBO said would violate state law. “

Because CCBank is a state chartered and FDIC insured bank located in Utah, Section 27 (a) of the Federal Deposit Insurance Act allows CCBank to charge interest on its loans, including loans to residents of California, at a rate permitted by Utah law independent of any California law imposing a lower interest rate limit. The objective of the DBO in the investigation appears to be whether LoanMart, rather than CCBank, should be considered the “true lender” of the auto securities loans marketed and managed by LoanMart and, therefore, whether the federal regulatory authority. CCBank to charge interest, as permitted Utah law should not be followed and the FACA rate cap should apply to these loans.

It seems likely that LoanMart was targeted by DBO because it is currently licensed as a lender under the CFL, granted auto title loans in accordance with this license prior to the effective date of the FACA and entered into the agreement with CCBank after the effective date of the FACA. However, the DBO’s investigation of LoanMart also raises the specter of the DBO examining the ‘true lender’ of other bank / non-bank partnerships where the non-bank entity is not currently licensed as a lender. or broker, especially when the rates charged exceed those permitted under the FACA. Under AB-1864, it appears that non-bank entities that market and service loans in partnerships with banks would be considered “covered persons” under the oversight of the renamed DBO.

If DBO challenges the “real lender” of LoanMart’s arrangement with CCBank, it would not be the first state authority to do so. In the past, “real lender” attacks have been launched or threatened by state authorities against high rate bank / nonbank lending programs in Washington, Maryland, New York, North Carolina, in Ohio, Pennsylvania and West Virginia. In 2017, the Colorado Attorney General filed lawsuits against fintechs Avant and Marlette Funding and their partner banks WebBank and Cross River Bank, which included a challenge to the interest rates charged under the defendants’ loan programs, even if the annual percentage rates were limited to 36%. These lawsuits were recently dismissed under the terms of a settlement which established a “safe harbor” that allows each defendant bank and its fintech partners to continue their programs offering gated consumer loans to residents of Colorado.

While several states oppose the pre-emption of state usury laws in the context of banking / nonbank partnerships, federal banking regulators have taken a different position. Thus, both the OCC and FDIC passed bylaws rejecting the Madden Second Circuit ruling. A number of states challenged these regulations. In addition, the OCC recently published a proposed rule which would establish a clear criterion provided that a national bank or a federal savings association is rightly regarded as the “true lender” when, at the date of creation, the bank or the savings association is designated as lender in a loan agreement or funds a loan. (We have submitted a letter of comment to the OCC to support the proposal.) If passed, this rule will also almost certainly be challenged. The FDIC has yet to propose a similar rule. However, since Section 27 (a) of the Federal Deposit Insurance Act is based on the Federal Usury Act applicable to domestic banks, we hope the FDIC will soon come up with a similar rule.

Bank / non-bank partnerships are an increasingly important means of making credit available to credit borrowers as well as to major borrowers. We will continue to monitor and report on developments in this area.

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Watch South Carolina motorist ‘bite’ tow truck driver as SUV is picked up http://greekhomes.info/watch-south-carolina-motorist-bite-tow-truck-driver-as-suv-is-picked-up/ http://greekhomes.info/watch-south-carolina-motorist-bite-tow-truck-driver-as-suv-is-picked-up/#respond Thu, 11 Mar 2021 05:41:24 +0000 http://greekhomes.info/watch-south-carolina-motorist-bite-tow-truck-driver-as-suv-is-picked-up/ Enraged motorist ‘bites’ tow truck driver and smashes windows as his precious SUV is taken for repossession By Sadie Whitelocks Published: 4:42 p.m. EDT, July 24, 2014 | Update: 5:00 p.m. EDT, July 24, 2014 A motorist has been charged with savagely biting a salvage man after arriving home to tow his vehicle for repossession. […]]]>

Enraged motorist ‘bites’ tow truck driver and smashes windows as his precious SUV is taken for repossession

A motorist has been charged with savagely biting a salvage man after arriving home to tow his vehicle for repossession.

Lakeisha Smith, 29, of Spartanburg, South Carolina, got angry Sunday night when Scott Fowler picked up his precious Cadillac Escalade, with part of the event filmed.

Cell phone footage shows her attempting to lower the luxury SUV from the tow truck before handily smashing all the windows with a tire iron.

Scroll down for video

Motorist Lakeisha Smith, 29, (right) has been charged with savagely biting salvage man Scott Fowler (left) after arriving home to tow his vehicle for repossession

At war: Motorist Lakeisha Smith, 29, (right) has been charged with savagely biting salvage man Scott Fowler (left) after arriving home to tow his vehicle for repossession

She then begins to throw the contents of the car, including the papers stuffed in the seat compartments, on the floor.

However, the moment she allegedly bit tow truck driver Scott Fowler is not seen.

He said ABC News arrived at Ms Smith’s home at around 8 p.m., found the vehicle he had been ordered to retrieve by Auto Money Title Loans and charged it.

But as soon as he started securing him on his truck, Ms Smith ran out of her house and tried to stop him.

Anger: Ms Smith, of Spartanburg, South Carolina, got angry Sunday night when Mr Fowler came to pick up his precious Cadillac Escalade, with part of the event filmed.

Anger: Ms Smith, of Spartanburg, South Carolina, got angry Sunday night when Mr Fowler came to pick up his precious Cadillac Escalade, with part of the event filmed.

Go for it: Cell phone footage shows her trying to get the luxury SUV out of the tow truck before hand-smashing all the windows with an iron.

Go for it: Cell phone footage shows her trying to get the luxury SUV out of the tow truck before hand-smashing all the windows with an iron.

Cause a scene: she then begins to throw the contents of the car, including the stuffed papers in the seat compartments, on the floor

Cause a scene: she then begins to throw the contents of the car, including the stuffed papers in the seat compartments, on the floor

Cause damage: However, the moment she allegedly bit tow truck driver Scott Fowler is not seen

Cause damage: However, the moment she allegedly bit tow truck driver Scott Fowler is not seen

He eventually managed to escape the scene with the wrecked car in tow.

In court Tuesday, Ms Smith was charged with third-degree assault and bodily harm for biting Mr Fowler.

However, she was released with a personal commitment of $ 2,100, as the judge ruled that she did not pose a flight risk.

Mr Fowler, who still has the vehicle, told ABC News he used to people ‘get mad’ and utter profanity, but Ms Smith was one of the worst clients he had ever had. case.

Shiny and new: here the SUV is seen before being attacked by Mrs. Smith

Shiny and new: here the SUV is seen before being attacked by Mrs. Smith

After: Mr. Scott finally managed to escape the scene with the wrecked car in tow

After: Mr. Scott finally managed to escape the scene with the wrecked car in tow

Big repair job: but the motor is pretty much worthless now as these pictures show

Big repair job: but the motor is pretty much worthless now as these pictures show

“ It’s definitely an experience, it’s not something I see every day and I don’t want to see it every day, so it’s pretty scary, ” he said.

Indeed, an eyewitness deemed the spectacle “terrifying” and “insane”.

The auto title lender is now considering seeking civil damages against Ms Smith.

He told ABC News that this is not the first time that she has had an altercation during a repossession and that two similar scenes began in 2011 and 2012.

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5 numbers that are sowing new financial problems for millennials http://greekhomes.info/5-numbers-that-are-sowing-new-financial-problems-for-millennials/ http://greekhomes.info/5-numbers-that-are-sowing-new-financial-problems-for-millennials/#respond Thu, 11 Mar 2021 05:41:24 +0000 http://greekhomes.info/5-numbers-that-are-sowing-new-financial-problems-for-millennials/ (Photo by seniorplanning.org/CC BY) Ask 5,500 Millennials about the state of their finances, and you’ll have 5,500 reasons to feel a little depressed about the financial security of America’s tallest generation. This is what global tax and advisory firm PricewaterhouseCooper recently discovered when they surveyed 5,500 people aged 23 to 35 about their personal finance […]]]>

Ask 5,500 Millennials about the state of their finances, and you’ll have 5,500 reasons to feel a little depressed about the financial security of America’s tallest generation.

This is what global tax and advisory firm PricewaterhouseCooper recently discovered when they surveyed 5,500 people aged 23 to 35 about their personal finance knowledge, their savings status, their financial status. their debt and their overall satisfaction with their financial lives. The results weren’t pretty.

In view of the relative Dilapidated state of America’s personal finances, this is not entirely surprising. But the study argues that millennials’ low savings and high debt are compounded by their low personal finance IQs – and that this, in turn, could have a domino effect on other generations.

“Millennials owe a lot. They know too little about it, ”says Annamaria Lusardi, academic director of George Washington University Global Center of Excellence in Financial Literacy, which partnered with PwC to initiate the research. Moreover, she says, “the fight against the debt of millennials could become our problem too.”

Among the many statistics regarding the study, here are five of the most disturbing:

50% of those interviewed said they could not find $ 2,000 in case of unforeseen need. A ray of hope (if you can call it that): This is quite consistent with other studies on emergency savings – like this one, or this one, or this one – therefore at least those under 35 keep pace with their compatriots faced with savings.

54% say they are are concerned about their ability to repay their student loans. In particular, this concern does not dissipate by moving up the income scale: among households with an annual income of $ 75,000 or more, 34% fear they will not be able to repay their student debt. (For the 10 things you absolutely need to know about student loans – and paying them back – Click here.)

42% have used another financial services product in the past five years. That doesn’t sound bad – until you see what PwC defines as ‘alternative financial service products’: payday loans, pawn shops, auto title loans, tax refund advances, and rental products. -sale. Given the proliferation from online lenders who find ways to offer credit products to millennials and people with limited credit records (groups that are often the same), the number of people using payday loans and pawn shops seems quite high. Then again, a recent report of

Ernst and Young
found that only 5.6% of people globally (14.1% in the US) had used an online peer-to-peer lender in the past six months. The bottom line is, perhaps, new online lenders still have large chunks of the market that they haven’t yet tapped into.

36% have a retirement account. While this correlates quite closely with the proportion of American workers who are automatically enrolled in a workplace savings account, that 36% looks worse when it appears next to the answers people gave to PwC’s other retirement-related questions. Questions that produced answers like …

14% have made a hardship withdrawal from their retirement accounts in the past twelve months. Another 17% took out a 401k loan during the same period. (Note that the two are not the same: by definition, a 401k loan is something you pay back. Funds withdrawn from a 401k in hardship – the definition of which is determined by each pension plan – you cannot put them back in.) Looting a retirement account is not generally a good idea, and starting to do so at a relatively young age could mean developing a bad habit that could torment you for life and erode your most valuable savings: the money that has the most time to accumulate.

The PwC study concludes with this disturbing note: “The financial practices of millennials are of concern because of the possibility that these behaviors are becoming firmly established. Indeed, research has shown that the gap between the amount of financial responsibility given to young Americans and their demonstrated ability to manage financial decisions is widening rapidly. In addition, their knowledge deficit could prove disastrous for them, the economy and society. “

It’s one way of looking at it. The other way to look at it is this: Millennials are young. With the exception of Generation Z (aka “The founders, “if it’s been a while since you’ve had a good look), they have more time than anyone else to make up for their bad personal finance habits. And they’re going to get a little help, too: the Consumer Financial Protection Bureau recently released guidelines to improve financial education, and employers are increasingly realizing that financial well-being is a key benefit for employees – and, therefore, offer tools which allow employees to increase their savings or repay their debt.

Plus, there are other polls that show that when millennials have the resources to make the right financial decisions, they do. This means that for many young adults, the road to financial security may be much shorter than they currently think.

“When millennials have the means to do what’s right, it seems like they do it a lot,” said T. Rowe Price, Senior Director Anne Coveney told me last year. “They show financial discipline in managing their spending and challenge stereotypes that this generation is inclined to spend and think short-sighted.”

Related from Forbes:

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‘We are completely relying on God’: Pastor Conway says his wife was diagnosed with COVID-19 | Covid-19 coverage http://greekhomes.info/we-are-completely-relying-on-god-pastor-conway-says-his-wife-was-diagnosed-with-covid-19-covid-19-coverage/ http://greekhomes.info/we-are-completely-relying-on-god-pastor-conway-says-his-wife-was-diagnosed-with-covid-19-covid-19-coverage/#respond Thu, 11 Mar 2021 05:41:24 +0000 http://greekhomes.info/we-are-completely-relying-on-god-pastor-conway-says-his-wife-was-diagnosed-with-covid-19-covid-19-coverage/ On Tuesday morning, Pastor Kim Strong of Trinity United Methodist Church in Conway took his wife Margo to the hospital. They thought she had the flu, but they were wrong. “She is in isolation in the hospital with what doctors told us to be COVID-19,” Kim Strong said Wednesday, referring to the illness caused by […]]]>

On Tuesday morning, Pastor Kim Strong of Trinity United Methodist Church in Conway took his wife Margo to the hospital.

They thought she had the flu, but they were wrong.

“She is in isolation in the hospital with what doctors told us to be COVID-19,” Kim Strong said Wednesday, referring to the illness caused by the coronavirus. “She’ll likely be isolated for the rest of the week.”

He said his vital signs such as blood pressure and heart rate were good.

“I arrived with my wife this morning; she is extremely tired, ”said the pastor. “She thinks it’s because her oxygen level isn’t where it was yesterday.”

Both had been feeling sick for about a week, and they thought it was just the flu.

“Yesterday morning she woke up and told me she thought she was dying and needed to go to the hospital and I took her there immediately,” Strong said.

Doctors at McLeod Seacoast Hospital performed tests and found a blood clot, viral pneumonia, sepsis and suspected COVID-19. Strong said they both thought they got the flu from a member of their church. But he said when they tested Margo Strong for the flu, she didn’t have it. That’s when they knew they were in trouble.

“Since we have absolutely no idea how sick we are, this is one of the questions my wife asked me yesterday: ‘Where in the world did we have this? Strong said. “Because we don’t know anyone who is a carrier of this virus. This is the scary part of this virus. “

Strong is also in self-quarantine, suspecting he also has the virus.

“I told them yesterday, if she had it, then I had to have it,” he said. “I don’t feel 100% yet, but it hasn’t attacked my lungs like it did my wife. And why? I’ve no idea. I wish they’d let me stay in the hospital with my wife.

Before Strong took his wife to hospital, he said they tried to go to Little River and North Myrtle Beach medical centers, but were turned away because of the symptoms. of his wife were compatible with COVID-19. Hospitals and other medical facilities generally prevent anyone with such symptoms from entering their buildings for fear of spreading the virus.

Strong said they had also tried telehealth options recommended by SC’s Department of Health and Environmental Control (DHEC).

“The problem was, we couldn’t get any of them to answer the video calls,” Strong said. “I guess the demand has something to do with it. But if we could have seen someone last Saturday, I don’t think my wife would be as she is today.

The couple have two children, one in Charleston and one in Spartanburg. The eldest, in Spartanburg, was on display during the couple’s recent visit to see him. He is now in self-quarantine.

While hospitals have advised people with symptoms of COVID-19 not to go to the hospital and use telehealth options first, Strong has had no chance to come into contact with whom whatever and added, “If you have any doubts, go to the hospital and practice quarantine.” “

Strong has been a minister for 41 years and has preached statewide. He said all of his past churches included him and his wife on their prayer lists.

“We are fully relying on God today,” he said.

As of Wednesday morning, DHEC reported 47 cases of COVID-19 in South Carolina in 13 counties, including four in Horry County. These figures do not include Margo Strong, whose diagnosis will need to be confirmed by DHEC and released later.

“Based on her consent, we can confirm that Ms. Margo Strong is a patent at McLeod Health Seacoast Hospital,” said hospital spokesperson Kelly Hughes. Ms. Strong followed CDC guidelines for testing for COVID-19 and was tested. It may take 72 to 92 hours for test results to be received. At this time, we have not received her results. test and do not have a confirmation of a positive COVID-19 patient at one of our McLeod Health hospitals. We wish Ms. Strong a speedy and full recovery. “

The Centers for Disease Control and Prevention recommends that people practice social distancing, avoid public gatherings of more than 10 people, restrict movement and wash their hands frequently to slow the spread of the virus, which is more likely affect older people with weaker immune systems. .

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Tidelands Sets Up Telehealth Services for Therapeutic Purposes | Covid-19 coverage http://greekhomes.info/tidelands-sets-up-telehealth-services-for-therapeutic-purposes-covid-19-coverage/ http://greekhomes.info/tidelands-sets-up-telehealth-services-for-therapeutic-purposes-covid-19-coverage/#respond Thu, 11 Mar 2021 05:41:24 +0000 http://greekhomes.info/tidelands-sets-up-telehealth-services-for-therapeutic-purposes-covid-19-coverage/ Tidelands Health announced on Tuesday that it has set up a telehealth service so patients can undergo recommended physical, occupational and speech therapy without going into public amid the COVID-19 pandemic. Tidelands said its 12 rehabilitation service sites are now equipped for the telehealth visit. Therapists can demonstrate techniques through a computer, laptop, or smartphone […]]]>

Tidelands Health announced on Tuesday that it has set up a telehealth service so patients can undergo recommended physical, occupational and speech therapy without going into public amid the COVID-19 pandemic.

Tidelands said its 12 rehabilitation service sites are now equipped for the telehealth visit.

Therapists can demonstrate techniques through a computer, laptop, or smartphone equipped with a camera and provide feedback.

Therapy is an important part of recovery for many people who have had surgery. Therapy can last longer than two months in some cases, and the most vulnerable populations can stay safe by not leaving their homes.

“Many of our patients – especially older adults who are at higher risk of serious illness from COVID-19 – do a great job adhering to social distancing recommendations and staying home,” said Frank Moreno , clinical coordinator of outpatient rehabilitation services. Now, by using this new telehealth option, they will no longer have to worry about falling behind in their therapeutic progress.

The Centers for Disease Control and Prevention recommends that people stay home and not go outside unless absolutely necessary, to slow the spread of the virus. South Carolina Gov. Henry McMaster issued an order on Monday to stay home except to go to work, exercise, see family or obtain property and essential services.

Click here to learn more about Tidelands Health’s rehabilitation services.

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GSB takes out auto title loans to keep interest rates low http://greekhomes.info/gsb-takes-out-auto-title-loans-to-keep-interest-rates-low/ http://greekhomes.info/gsb-takes-out-auto-title-loans-to-keep-interest-rates-low/#respond Thu, 11 Mar 2021 05:41:24 +0000 http://greekhomes.info/gsb-takes-out-auto-title-loans-to-keep-interest-rates-low/ The GSB logo exhibited at a Money expo. The state-backed bank introduces auto title lending to put pressure on interest rates. (Photo by Patipat Janthong) The Government Savings Bank (GSB) plans to enter the auto securities lending market with a focus on retail loans worth up to 200,000 baht per borrower. The bank’s penetration into […]]]>

The GSB logo exhibited at a Money expo. The state-backed bank introduces auto title lending to put pressure on interest rates. (Photo by Patipat Janthong)

The Government Savings Bank (GSB) plans to enter the auto securities lending market with a focus on retail loans worth up to 200,000 baht per borrower.

The bank’s penetration into the auto securities lending market is aimed at lowering the interest rates charged in this lending segment, President Vitai Ratanakorn said.

The Bank of Thailand has cut interest rates on auto securities lending to 24%, from 28% on Aug. 1, but the rate remains high, Vitai said.

GSB plans to cap interest on auto title loans at 18%, plus or minus 2% at most. The 18% rate will be assessed based on customer profiles, Vitai said.

For example, a car in good condition may receive an interest rate of 16%, while older models or vehicles with risk may see a 2% interest added on top of the 18% rate.

The 18% interest rate for auto loans, classified as unsecured loans, is lower than the interest rates charged by non-bank companies.

But GSB can still turn a profit because the bank’s existing unsecured loan products have interest rates below 18%, Vitai said.

Non-bank companies involved in auto securities lending have a net interest margin of 15-20%, higher than the NIM of 2% in public banks and 3% in commercial banks, he said.

GSB is evaluating a potential joint venture partner in the automotive securities lending area.

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Federal lawsuit challenges law to regulate signature pickers – Arizona Capitol Times http://greekhomes.info/federal-lawsuit-challenges-law-to-regulate-signature-pickers-arizona-capitol-times/ http://greekhomes.info/federal-lawsuit-challenges-law-to-regulate-signature-pickers-arizona-capitol-times/#respond Thu, 11 Mar 2021 05:41:24 +0000 http://greekhomes.info/federal-lawsuit-challenges-law-to-regulate-signature-pickers-arizona-capitol-times/

trial

A new trial seeks to strike down a law that may invalidate otherwise legitimate and qualified signatures on a petition of initiative.

Attorney Sarah Gonski said this requirement, unconstitutionally, “discourages the people of Arizona[…]to exercise their fundamental right to legislate without consulting the Legislative Assembly ”. She’s asking U.S. District Court Judge Susan Bolton to stop Secretary of State Katie Hobbs from enforcing this requirement.

Gonski may have an uphill battle.

The law in question was upheld last year by the Arizona Supreme Court. But Gonski is attempting a different course of attack, alleging it goes against the protections of the US Constitution.

Katie hobbs

Katie hobbs

Arizonans can propose their own constitutional amendments and laws by gathering enough signatures to bring the issue directly to voters.

The 2014 law, which passed without meaningful debate, clarifies that paid circulators and those who do not live in Arizona must first register with the Secretary of State, or their collected signatures do not count.

More importantly, it allows those who try not to take a measure to vote to assign these circulators. And if a circulator who needs to register does not show up, then all of the signatures that person has collected can be minted, potentially leaving the petition far from its target.

One of the plaintiffs is the Next Gen Climate Action Committee which pushed for an unsuccessful move last year to impose new renewable energy mandates on utilities. Gonski, advocating on behalf of the organization, said the statute had taken its toll, citing the experience of Jessica Miracle, a paid petition on the measure.

Assigned by enemies of the measure, the lawsuit says Miracle couldn’t be present because her children were sick, she didn’t have her own transportation to Phoenix, and no one would clearly tell her how many days she was. would need to be in Phoenix.

The result, according to Gonski, was that all of the 2,604 signatures collected by Miracle were invalidated.

Gonski said the law was not just unfair to circulators.

One of the plaintiffs in the lawsuit is Mary Katz, listed as a Phoenix resident and registered voter.

According to Gonski, Katz signed this renewable energy measure.

“But his signature was then invalidated when the circulator who witnessed it was unable to appear in court when he was summoned,” says the trial. And Gonski said Katz was only told long after the election that her signature had been invalidated, meaning there was no way for her to go to court to tell the judge he was ‘was indeed a valid signature.

The other key plaintiff in the case is Arizonans for Fair Lending, which is currently circulating petitions to enact legislation banning title lending. Rod McLeod, who manages the campaign, said the law has now become a tool challengers can use to prevent measures facing some business interests from ever reaching voters.

He pointed out that opponents of the renewable energy measure have issued subpoenas for around 1,180 circulators. McLeod said it was clear from the start that there was no way to question the fact that so many people in the week the judge had set aside for trial.

In fact, Gonski said, of the 913 circulators who appeared, 872 were sent home without ever being asked a single question about their work.

McLeod said the challengers knew that, using the massive subpoenas “just for intimidation” in the hope that some people wouldn’t show up, allowing all the signatures they’ve collected to be canceled. And that could become a problem as her organization seeks to get the 237,645 valid signatures it needs by July 2, 2020 to put the title lending measure on the 2020 ballot.

The tactic of issuing subpoenas to disqualify signatures actually worked last year, although it didn’t involve as many subpoenas.

It was an initiative to insert a “right to know” provision into the Arizona Constitution, requiring that any group seeking to influence a political race or electoral measure disclose the identity of anyone with contributed over $ 10,000.

Sarah gonski

Sarah gonski

The challengers issued subpoenas for 15 circulators, leaving them with a security guard in an office building that had been used by a company that had hired the paid circulators. When none appeared, the judge disqualified the 8,824 signatures they had collected, leaving the petition short.

Lawyer Kim Demarchi challenged the law in this case in order to put the measure “Outlaw Dark Money” on the ballot. She argued that a circulator’s signatures should only be discarded when there is a “valid objection” to the circulator or the “need for a circulator’s testimony”.

But Supreme Court Justice John Lopez, writing for the unanimous court, said the constitutional right of people to propose their own laws and constitutional amendments “is, and should be, subject to reasonable regulation.” And he said that requiring circulators to appear in court and discard their signatures if they do not protest “promotes the constitutional purpose of the initiative process by ensuring the integrity of the collection of documents. signatures by reasonable means ”.

Gonski, in his retrial, argued in Bolton that the law was unfair and discriminatory. She pointed out that lawmakers have decided that the obligation to register paid and out-of-state circulators and to allow their signatures to be struck if they do not show up, only applies to voting measures. and not the nomination of petitions for political candidates.

“There is no evidence to suggest that initiative petitions are more susceptible to fraud than candidate nomination petitions, nor that paid or out-of-state circulators need a special sanction beyond other circulators to force their presence in court, ”she wrote.

A spokeswoman for Hobbs, who is the defendant in the case, said her office is reviewing the challenge.

The case presents an interesting situation for Hobbs: she actually voted for the measure when she was a state senator in 2014. In fact, all but two Democratic senators supported her: Andrea Dalessandro of Green Valley and Robert Meza from Phoenix.

Correction: A previous version of this story incorrectly reported that Arizonans for a fair loan needed enough signatures by July 2 to make the 2018 ballot. The group actually has until July 2, 2020 to take the ballot 2020.

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Horry County Council Approves Mask Ordinance | Covid-19 coverage http://greekhomes.info/horry-county-council-approves-mask-ordinance-covid-19-coverage/ http://greekhomes.info/horry-county-council-approves-mask-ordinance-covid-19-coverage/#respond Thu, 11 Mar 2021 05:41:24 +0000 http://greekhomes.info/horry-county-council-approves-mask-ordinance-covid-19-coverage/ Hide yourself, Horry County. The county council on Friday approved an emergency ordinance that requires people to wear headgear in many public places, including retail stores. The ordinance, which applies to areas of the county that are not within city limits, aims to slow the spread of COVID-19. “We can’t let this thing get out […]]]>

Hide yourself, Horry County.

The county council on Friday approved an emergency ordinance that requires people to wear headgear in many public places, including retail stores. The ordinance, which applies to areas of the county that are not within city limits, aims to slow the spread of COVID-19.

“We can’t let this thing get out of hand and have the governor shut down beaches, shut down hotels, shut down restaurants. [and] retail shutdown, ”said Horry County Councilor Harold Worley. “We just don’t want to go. … If we can do a little towards this end to help, I think it’s the right thing to do. I don’t like to give this prescription any more than you guys. But again, I think it’s the right thing to do.

The vote came on the same day that the State Department of Health and Environmental Control (DHEC) announced 237 new cases of COVID-19 in Horry County, bringing the county’s total number of cases to 3,963 with 49 disease-related deaths.

Some council members said they had been in contact with hospital officials in the area who told them they were concerned because their facilities were at or near full capacity. Advisers also said the order would encourage people to follow the advice of federal and state health officials, who said the masks could help prevent someone with COVID-19 – especially an asymptomatic person – from spread the disease to others.

“We need to do something to protect our citizens, and they appear to be supporting a mask ordinance,” said Councilor Dennis DiSabato, who noted he had received 30 to 40 emails and a few calls about it. Almost all of these people were in favor of a mask ordinance. “They realize that we are in a state of emergency. People are scared. They are not happy with the lack of action. “

Councilor Gary Loftus said hospital officials he spoke to told him they were concerned about their capacity over the next 10 days to two weeks.

“If we fail to do that, we are sending the absolutely wrong message to the people of Horry County,” he said. “I don’t think we need to do this just yet. … If anything we can do saves a bed here or a bed there, makes them do their jobs better, we should do it. Is it enforceable? No. In practice, this is not the case. But it will give people the opportunity to feel good about obeying a prescription and preventing them from entering the hospital.

Councilor Tyler Servant agrees. He said he spoke to officials at Conway Medical Center who told him they were at full capacity and they were seeing an increase in the number of positive COVID-19 cases.

“Going through something like this is a last resort,” he says. “It’s something I didn’t think I was in favor of a few weeks ago, but that said, we’re in tough times right now. And tough decisions have to be made.

The ordinance requires that people entering businesses wear masks inside these establishments. Masks can be removed to receive certain services, such as a haircut, or for someone to have a meal at a restaurant.

Under the new policy, restaurants and retail stores must require their employees to wear masks, and the ordinance also applies to personal care providers such as nail salons, tattoo parlors and salons. hairdressing.

There are exceptions for people with health conditions that prevent them from wearing masks and for those whose religious beliefs do not allow them to cover their faces.

Violation of the policy is a civil offense punishable by a fine of $ 25 for the first offense, $ 50 for a second offense and $ 100 for all subsequent offenses. The ordinance states that each day of not wearing a mask would be considered a separate offense.

Myrtle Beach and North Myrtle Beach have approved similar policies. Conway executives will vote on a mask term on Monday.

The county ordinance was narrowly passed. It’s an emergency policy, which means it requires at least a two-thirds majority to get approved. The vote was 8-4. Council members Worley, DiSabato, Tyler Servant, Gary Loftus, Orton Bellamy, Cam Crawford, Bill Howard and President Johnny Gardner voted in favor of the ordinance. Councilors Al Allen, Johnny Vaught, Paul Prince and Danny Hardee opposed it.

Dissenters have expressed concerns about the enforceability of the order and whether the public will actually comply with it.

“He’s a paper tiger,” Vaught said. “It is the ghost of a law. If we don’t have a binding order, then we shouldn’t have an order. “

Allen agreed, saying the county didn’t have enough officers to enforce policies already on the books. He also said the county’s 911 system could be overloaded with people reporting people to stores without a mask.

“People will start talking to each other,” he says. “ It’s going to get to a point where you’re not just going to have verbal confrontations in public about it, but it’s going to get physical and someone is going to get hurt because people don’t like other people in their area. business.

Hardee, whose district includes farming communities such as Green Sea and Longs, said he would support the ordinance if it applied strictly to areas east of SC 90. He said he would not support a county-wide ordinance as it would be an unreasonable burden on rural communities. .

“Some of you [have] long enough to know what it’s like to get off the pitch, ”he said. “You go to your local store over there, you want to treat yourself to a drink and a honey bun. They say you can’t come in [without a mask] because the county adopted this ordinance. I want any of you to go and explain to them where they get it.

Before council approved the ordinance, some council members attempted to change the language of politics to simply encourage the public to wear masks. They also talked about reducing the fines to $ 1 or $ 2 or even removing them altogether.

But County District Attorney Arrigo Carotti recommended keeping the fines in the order.

“It’s the only thing under the law that catches people’s attention,” he said. “Kind of like the part of the Bible that says the wrath of God can be served if people do not obey His will.”

The order took effect immediately. It will remain in place for 60 days unless the board terminates it earlier.

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