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


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

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

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

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

Choose personal loan variables, such as length and quantity.

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

Check your eligibility by providing additional documentation

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

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

Transfer funds directly to your account fast

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

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

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

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

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



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

Job Overview: Museum Curator

Department: Conservatory
FSLA Status: Exempt
Reports to: Director

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

Main Duties and Responsibilities Exhibitions:

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

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

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

Job Overview: Museum Educator

Department: Education
FSLA Status: Exempt
Reports to: Director

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

Job Responsibilities:

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

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

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

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

How can a personal loan help you organize funds for your wedding?


Marriage is an important stage in life. This requires financial planning. Planning your wedding helps you arrange the necessary funds. It’s not uncommon for people to go over their wedding budget. A personal loan can help you overcome a problem like this.

Here’s how a personal loan can come to your rescue when you need money for your wedding.

Quick availability of funds

A personal loan is preferred because of the ease of access to funds. It’s the type of loan that can be processed in minutes, and you don’t have to go through a tedious application process.

Adhil Shetty, CEO of Bankbazaar.com, says, “You can apply for a personal loan online. If you are pre-approved, you can get the loan within a day. Several lenders may have created pre-approved offers for you based on your income and credit score. You can go online to check these offers, compare them and use them paperless.

No restrictions on the use of cash

When you take out a home loan or a car loan, the loan check is given directly to the seller of the property or the car dealership. On the other hand, when you apply for a personal loan, the payment is credited directly to your bank account. You are free to use the funds in any way. However, lenders generally caution against using the money for speculative activities such as stock market investments. But for weddings, you can use the funds however you wish, whether it’s paying for the caterer, the event management team, or the venue. There are no restrictions on how you spend the personal loan money for your wedding.

Flexibility to choose repayment term

When applying for a personal loan, you can choose the repayment term according to your repayment capacity and your financial comfort. Usually, banks allow a repayment term of up to 60 months on a personal loan, but some NBFCs can go up to 84 months. You can choose the appropriate repayment term depending on your other financial obligations. Keep the term as short as possible to minimize interest charges.

Personal Loan vs Unsecured Wedding Specific Loan

An unsecured marriage/marriage loan and a personal loan are generally the same loan instruments with different names. Having a wedding loan as a separate lending instrument helps lenders provide product-specific seasonal offers to attract customers. “There are no restrictions on how you use the loan amount you receive under a wedding loan which is similar to a personal loan. Interest and fees on wedding loans and personal loans can vary depending on the lender’s offer, so you should compare all available options before applying for the loan,” adds Shetty.

Advice for personal loan borrowers

Check your credit score, repayment capacity, income stability, etc., before applying for a personal loan. There are many variations of personal loans on the market, so you need to compare them to find the one that suits your needs in terms of term, interest rate, fees and loan amount offered. Below is a table that gives you an idea of ​​how much EMI you will pay when you take out a loan of Rs 3 lakh for three years at different interest rates.

Note: data for reference only. The table consists of the lowest interest on personal loans by selected banks, regardless of the loan amount. Data collected from the respective bank’s website as of 08 Jun 2022. EMI is calculated based on the interest rate mentioned in the table for the Rs 3 Lac loan with a term of 3 years (the processing fee and others are assumed to be zero for the calculation of the EMI); The interest and charges mentioned in the table are indicative and may vary depending on the general conditions of the bank. ^^For government employees and defense personnel; *for doctors

Finally, a tip is that you should consider all the pros and cons when applying for a personal loan, including interest rates, term, and repayments. A personal loan can be used as an emergency borrowing tool to bridge a financial shortfall. Timely repayment and financial discipline are essential when considering a personal loan.

More than the groundbreaking location of Marcos Jr.


MANILA, Philippines — President-elect Ferdinand Marcos Jr. is set to be inaugurated at the National Museum of the Philippines on Thursday, June 30, becoming the fourth president to be sworn in at the building.

But while the presidential swearing-in will indeed be a significant event, the historical and cultural relevance of the National Museum is already rich.

What else is there to know and explore at the museum?

The National Museum is not just a building

Many people refer to the historic Old Legislative Building as the National Museum of the Philippines (NMP). But did you know that this is only one of the museums that is under the supervision of the NMP?

The building where Marcos is to take the oath houses the National Museum of Fine Arts and is part of the National Museum complex in Manila.

Next door is the National Museum of Anthropology, housed in the former Ministry of Finance building which was rebuilt in 1949 after suffering heavy damage during World War II.

The museum now houses “Philippine terrestrial and underwater ethnographic and archaeological collections that tell the story of the [country] of the past,” according to its website.

The National Museum of Natural History, on the other hand, was only opened to the public in 2018. Its building, the former headquarters of the Ministry of Agriculture and Trade and the Ministry of Tourism, was built in 1940 but was finally rebuilt in 1949 after the war. .

The latest addition to the complex houses 12 permanent exhibits on the country’s “rich biological and geological diversity”. Its most prominent feature, and undeniably the most photographed, is the “Tree of Life” structure which represents the ecosystems of the Philippines.

There are also 14 museums outside of Metro Manila that come under the NMP under Republic Act 11333 – the National Museums of the Philippines Act – which makes the creation of regional museums and satellite offices mandatory.

You can check this practice map to learn more about these regional museums.

JUAN LUNA’S MASTERPIECE. Visitors look at Juan Luna’s ‘Spoliarium’ located at the National Museum of Fine Arts in Manila. Photo of the National Museum
National Museum of Fine Arts: the house of the “Spoliarium” and much more

Marcos will be sworn in June 30 at noon at the Old Legislative Building, a historic structure that was first built in 1918 and originally designed to house the National Library of the Philippines, according to the official museum website.

It was rebuilt in 1949, after being badly damaged during the war.

After being used by Congress and other government agencies, the building was eventually turned over to the NMP and now houses the National Museum of Fine Arts.

The museum’s website says it has 29 galleries that feature the works of Filipino artists – modern painters, sculptors and printmakers, among others – as well as other works of art borrowed from other institutions and individuals.

But perhaps the most famous painting that inhabits the Old Legislative Building is the Spoliarium – “The most enormous work” of the Filipino painter Juan Luna who won the gold medal at the Exhibition of Fine Arts in Madrid in Spain in 1884.

The painting is considered a national cultural treasure, a term that refers to “any locally found cultural property possessing outstanding historical, cultural, artistic and scientific value significant to the country,” according to the NMP.

The Spoliarium is exhibited in a room that bears his name. Just in front of the painting is The Assassination of Governor Bustamanteone of the famous works of Felix Resurreccion Hidalgo, a contemporary of Luna.

The museum also includes a room dedicated to portraits of early 20th-century Filipino artists. Among the paintings on display are those by national artist Fernando Amorsolo, including an unfinished portrait of a young woman.

If you explore further and find yourself in the Old Senate Chamber, you can also find National Artist Carlos “Botong” Francisco. Filipino struggles throughout historya massive mural painted for Manila City Hall in 1968. It was eventually transferred to the museum in 2013 for restoration and public display in 2018.

FORT SANTIAGO. The historic tourist site within Intramuros.
In the heart of Manila

The National Museum complex is located in the heart of Manila. If you plan to visit it, you might as well discover other historical sites nearby.

Manila City Hall, designed by Filipino architect Antonio Toledo, is a short walk from the Old Legislative Building.

A short walk away – or perhaps a short jeepney ride – is the Manila Metropolitan Theater which has just opened after undergoing rehabilitation from years of neglect. It now hosts performances and screenings of restored classics of Filipino cinema. (Fire in theaters June 17, 2022.)

The National Museum complex is also just in the northern part of Luneta Park. In fact, the famous sculpture of a relief map of the Philippines sits in the middle of the Museum of Anthropology and the Museum of Natural History. Just a short walk and you will reach the Rizal monument.

To complete your tour of the country’s rich history in Manila, you can also visit Intramuros, the walled city that dates back to the Spanish colonial period. Inside are Manila Cathedral and Fort Santiago, where national hero Jose Rizal was imprisoned before his execution in 1896.

Place for presidential inaugurations, protest movements

The significance of the Old Legislative Building as the site of Marcos’ inauguration is not lost on many. It is, after all, such a historic site that it was declared a National Historic Landmark in 2010.

The building has been a silent witness to the inauguration of three presidents so far: Manuel Quezon in 1935, José Laurel in 1943 and Manuel Roxas in 1946. It was also the site of the Constitutional Convention in 1934.

In a column in requester, historian Ocampo noted, “The Fine Arts Building was the site of past inaugurations: Manuel Luis Quezon (1935), Jose P. Laurel (1943), and Manuel Roxas (1946). Had the organizers taken a closer look at history, they might have opted for another venue because two of the three presidents who were sworn in there died in office. All three have not completed their term.

But most relevant – at least in the context of the incoming Marcos administration – are the events the building witnessed during the reign of the late dictator Ferdinand Marcos.

This is where Filipinos staged protests to oppose the dictatorship. These included huge protests during the First Quarter Storm, a period of civil unrest, which preceded the declaration of martial law in the Philippines.

In January 1970, approximately 50,000 protesters gathered outside the building as Marcos delivered his state of the nation address.

Martial law became one of the country’s darkest periods marked by massive corruption and human rights abuses, which the Marcos family tried to erase after their patriarch was ousted in the revolution of popular power in 1986. – Rappler.com

RadCred certifies RSA 2048-BIT to protect users’ personal loan applications


In addition to RSA 2048-BIT, RadCred also uses the services of TrustedSite to scan their site daily for security risks.

BURBANK, Calif., June 24, 2022 (GLOBE NEWSWIRE) — According to a report by Global Economic Crime Survey, cybercrime has escalated like never before. Cybercrime, including data breaches, is now the top financial crime. Increasing dependence on digitalization, nearly 55% of the population relies on online tools for their credit needs. RadCred incorporates RSA 2048-BIT protection to protect personal loan application data. To ensure the safety of its customers, the platform is also a member of TrustedSite which periodically scans the website to minimize security vulnerabilities.

About RSA 2048-BIT:
The RSA 2048-BIT is an extension of the already existing RSA 1024-BIT. Essentially, 2048-BIT RSA is a type of symmetric encryption which is responsible for securing the website algorithm. The world seems to be adapting well to quantum cryptography which is all about securing the roadmap of websites. Also, 256 bits is the longest and mathematically most difficult AES key length. It is said that an average computer will take over 300 trillion years to crack the RSA 2048-BIT encryption codes (The source). Since RSA 2048-BIT is also the hardest to crack, the US National Institute of Standards and Technology (NIST) states that the use of security codes less than 112-bit will not be permitted by the federal government (The source). Google validated and incorporated said encryption strength by the end of 2013. However, the current encryption keys are valid until 2030. Currently, federal government departments and agencies, non-governmental entities, commercial enterprises and organizations use the highest BIT. RSA encryption to secure their sensitive information.

About RadCred
RadCred is an online marketplace that connects lenders and borrowers. Its USP is to provide funds on personal loans for bad credit in less than 24 hours to its customers in a secure and instantaneous way. The platform also features lenders who accept loan applications without credit checks. To start the process, there are 3 easy steps to complete the application.

Since its inception, the market has already served and helped millions of people around the world. RadCred is also a member of the Alliance of Online Lenders, which ensures that its members respect a code of conduct and propriety by using safe practices. Online Lenders Association (OLA) protects the interests and rights of users to create a diverse and responsible marketplace. RadCred is based in Burbank, CA and connects borrowers with the best mortgage lenders in the industry at the best interest rates.

For more details, visit: radcred.com
Email: [email protected]

Disclaimer: RadCred is not a direct lender and is not involved in the loan process in any way.

“History Boxes” bring the National Museum to life for students in rural NB.


As the school year draws to a close, college and elementary students in the small town of Sackville, New Brunswick reflect on important discoveries they have made with each other and a large black box filled with 25 Canadian artifacts.

Grade 1 students Alistair Lutes and Clara Soper recall the day the huge crate containing seven layers of carefully wrapped treasures from the Canadian Museum of History’s collection arrived in their classroom from Gatineau, Quebec.

“That was great, great fun,” Alistair said, thinking back to the birchbark moose call that was part of the curated collection of artifacts and artifact replicas.

“Oh my god,” Clara added, “We love these boxes.”

WATCH | “Well, what’s in it?” Grade 1 students experience their first story box:

See inside a treasure box at the Canadian Museum of History

At the end of the school year, a “story box” opens new doors for Sackville students.

The unlikely pairing of an elementary class with college students in a religious studies class at Mount Allison University is the brainchild of ever-enthusiastic professor Susie Andrews.

When she heard about the Canadian Museum of History loan project, she knew it could be the basis for a new course and a new collaboration.

The story box contained seven layers of artifacts and replica artifacts from the Canadian Museum of History, including this native moose call and drum. (Submitted by Brianne Arsenault)

“Our collaborations make learning richer, more meaningful and frankly more joyful,” Andrews said with a smile. “It brings 25 items from their world-class collection to life for students across the country. …and so it’s the box that is the story behind our story here in Sackville.”

Susie Andrews says seeing her university students collaborating with elementary school teachers and students has been “a dream come true”. (Vanessa Blanch/CBC)

Step 1: Unpacking

For Brianne Arsenault’s Grade 1 class, it started with the arrival of the story box and a barrage of questions from her curious students.

“Their eyes got really big because the box was bigger than them,” she laughed. “So it was, ‘What is it? Where is it from? Where is it going? How long will we have it? do? ‘”

The story box on the floor, with secondary boxes created by Mount Allison University students lined up above, waiting for Brianne Arsenault’s Grade 1 class to figure out what’s inside. (Submitted by Brianne Arsenault)

Arsenault said it was wonderful to watch the children make their own connections to the items as they unpacked the box layer by layer.

“I have students that their families hunt, so to see a moose cry — they knew what it was before I knew what it was. I have students who were born in Nunavut, so to see things that came from the North — they knew what it was,” she said.

“I can’t always give them that in day-to-day teaching…that they can see a real-life object of their own heritage, of what they love.”

The story box contained seven layers and a total of 25 artifacts from different eras of history and different regions of Canada. (Submitted by Brianne Arsenault)

Step 2: Creation

Students at Mount Allison University also spent time with the big black history box as part of their religious studies course called Sacred Stuff.

Annabelle Kean, a second-year art history student, didn’t know what to expect when she signed up, but admits the name of the course immediately intrigued her. She wondered how a society “surrounded by stuff every day” went about determining what deserved such a label.

“In putting the name sacred on these specific objects, I was very interested in why we do this. Why are some objects sacred and others just everyday objects?”

When the National Museum artifacts arrived in Sackville, Andrews challenged Kean and his classmates to choose one and create a secondary activity box for the 1st graders.

Annabelle Kean, a second-year art history student at Mount Allison University, holds the box of activities, inspired by a Pride flag, that her team put together for 1st-year students at the Salem Elementary School. (Vanessa Blanch/CBC)

“Our project was to think about, ‘How can we make this joyful and interesting?'” Andrews said. “So the task for the students at Mount A – their invitation was to create another set of boxes with books, activities and stories that would keep students in our community engaged.”

Step 3: Sharing

Kean says she was “really lucky” when her group was awarded a small section of a 150m rainbow banner, made by a group of young people in 2005 to show support for the gay marriage, to build their box around.

They thought long and hard about how to make the object meaningful for a group of six and seven year olds.

“We focused on something they could relate to, which was the idea of ​​pride and being proud of something and identity and knowing who you are within yourself.”

Annabelle Kean and her group have created a Pride box containing activities and books for students to complete, on the themes of family, pride and identity. (Pierre Fournier/Radio Canada)

The colors of the Pride Flag represent different qualities, Kean explained, including life, healing, sunlight, nature, harmony and spirit.

“What colors could they choose?”

Kean is bisexual and dated seven years ago. She said it meant something to her that there were gay kids seeing this box and she wanted to present it in a “joyful” and “proud” way.

“They won’t remember it in ten years, but maybe they’ll remember the feeling of pride and the rainbow and the colors and maybe they can come back to them more easily. themselves, having an easier time accepting who they are.”

A student in Brianne Arsenault’s Grade 1 class works on an activity centered on this part of a Pride banner that was part of a museum artifact box. (Submitted by Brianne Arsenault)

In Mrs. Arsenault’s Classroom, students say the box activities Kean helped create were some of their favorites.

It included two books about the families, a spool of yarn they unwound measuring 150 yards long – the length of the original handmade Pride banner, and all the art supplies to create a paper rainbow. of silk.

“I’ve been a history buff since I was a little kid like them, so knowing that I can be a part of that to maybe inspire them…that’s something I love,” Kean said.

Step 4: Login

On a hot afternoon at the end of the school year, the students of Mme. Arsenault’s class open their last activity box. This one centered on a modern artefact: a luggage tag that once belonged to Olympian Perdita Felicien.

The final box explored by Grade 1 students centered on Perdita Felicien’s official luggage tag from the 2000 Olympics. Students were asked to imagine themselves traveling to the Olympics. (Canadian Museum of History)

Each student bends over their desk, carefully folding, taping and decorating a piece of cardboard that they have fashioned into a suitcase.

They then stuff their suitcases with tiny paper cutouts of bathing suits, pillows and even toothbrushes. All carefully cut by university students who wanted everyone to imagine their own adventure.

Teacher Brianne Arsenault helps her students fold and tape to create their own suitcases as they imagine their own adventure. (Vanessa Blanch/CBC)

According to Mount Allison student Shannon Goguen, creating the activities in the boxes and inviting students to explore and engage with museum objects in such a personal way has been “a beautiful thing”.

“I have two young children, so I know how this pandemic has affected children and how lonely they can feel,” she said. “And so, if we could put some sparkle in their day, that’s really important to me.”

Goguen and Kean say it’s also pretty cool that a college class introduced them to their new community of Sackville and allowed them to create something from scratch for someone else.

“It gave me the opportunity to engage with the community — which I think is really special and not something you can experience in traditional academia,” Goguen said. “It will probably stay with me forever.”

Shannon Goguen and Annabelle Kean, students at Mount Allison, both participated in the Sacred Stuff religious studies course offered by Susie Andrews. (Vanessa Blanch/CBC)

Andrews says seeing his university students make such meaningful connections is a “dream come true.”

“The students at Mount Allison were thrilled to think about what it would be like for the little people in our community — the kids learning in these schools — to imagine themselves on a journey to the Olympics.

Step 5: Repeat

Andrews looks forward to continued collaborations between his students and his community.

Arsenault hopes next year will see even closer ties between his Salem Elementary students and Mount Allison students now that COVID restrictions have been lifted.

Grade 1 teacher Brianne Arsenault and her students were looking forward to the activities and books in each story box offered this year by Mount Allison students. (Vanessa Blanch/CBC)

“We brought in a museum and it was a fascinating and exciting time,” she said. “It opened my eyes to so many different ways to teach things.”

She said the secondary boxes imagined and created by Mount Allison students “replaced all the expectations” she had.

“There were boxes that made me cry just because they were so well made…they were able to handle and maneuver their [learning] invitations in a way that spoke to my six-year-olds and in turn spoke to me.”

Indian history books are heavily focused on the north


His kingdom was not large but his achievements were. His name was Vichitra Chitta – the always curious. His interest in music is immortalized in epigraphs. He wrote a funny and heartbreaking prank in Sanskrit. It was he who threw away perishable materials such as timber for building temples and introduced rock-cut structures which later culminated in the glory of Mahabalipuram. His name is Mahendra Verman, a Pallava king who flourished in the early years of the 6th century CE. Few people in northern India will know his name. To be fair, Romila Thapar manages to bring out her exploits in a brief passage from her book Ancient India, but they remain buried in the middle of a book of about 500 pages. Rajaraja, who built the marvelous great temple of Thanjavur, and his son Rajendra, whose maritime achievements remain unmatched by any other king of India, are not really known outside of Tamil Nadu. The fascinating stories of Vishnuvardhana, who was converted to Vaishnavism by Ramanuja and his wife Santala, who remained a pious Jain, are rarely mentioned in textbooks outside Karnataka. Even the amazing Hampi was relatively unknown in North India until recently, and Krishnadevaraya is just a tongue twister.

Not limited to South India

It is not that this neglect is confined to South India. Ask a Bengali or an Odia, or a child of Brahmaputra, and he will tell you that the rest of India ignores the history of his region. The Kingdom of Ahom, which ruled the Northeast for six hundred years, is generally treated less summarily in history books. For example, the standard textbook by Satish Chandra, History of medieval India, has this to say about the Ahoms. “The Ahoms, a Mongoloid tribe from northern Burma, had succeeded in establishing a powerful kingdom in the 13th century, and had become Hinduized over time. The name Assam is derived from it. Later in the book, the Ahoms find a mention only because of Mir Jumla’s invasion and conquest of Assam. Every history book in India is centered on Delhi and its surroundings.

Not limited to story

This neglect is not limited to history. Even when I was a young boy, I knew Rabindranath Tagore, Bankim Chandra, Sarat Chandra, Munshi Prem Chand and several other North Indian writers. Of course, the heroic stories of Rajputana were textbook stuff. The story of Panna, the faithful nurse, was known to all school children. When I arrived in Delhi, I was amazed that even the most widely read people found it difficult to mention even a single name of a literary eminence from South India, except perhaps -being of Subramania Bharati. Yes, they spoke casually about the incredible temples and South Indian orthodoxy that they believed had saved Hindu culture from the “contaminating” influence of Islam, but most ignored the classics unique tamils, Silappadikaram and Manimekhalai-one defending the Jain vision of the world and the other, Buddhist.

I served under a person who was incredibly cultured. His library had more than 20,000 books. Once, we were returning from a minister’s office where we had just received an unjustified but severe reproach. My superior did not say a word in front of the minister. When we were in the elevator, he told me that was the way to hold back his anger. I just smiled and quoted Valluvar: “You have to hold your anger where it can really hurt. In other places it doesn’t matter one way or the other. I said, “Your anger is unlikely to harm the minister, but that’s another story with your subordinates. He was swept off his feet. The next day, I presented him with an English translation of Tirukkural. What was significant was that his extensive library contained no translations from Tamil or any other South Indian language – a fact he shamefully admitted.


I do not believe that the neglect of our history in textbooks or the lack of awareness of our literature is intentional and due to diabolical schemes of the North Indians. In all likelihood, this is due to the laziness of our own historians and translators. Our inertia is notorious. by Vincent Smith India’s early history appeared in 1908. It saw several editions and was taught in schools even many years after independence. In the first edition he writes: “But the time for writing in brief the history of the southern kingdoms in a satisfactory manner has not yet come, and at the present time any sketch such as that which is now proposed must be provisional and incomplete.” In the years since these words were written, many seminal books on the history of North India have appeared, but the scene is not so bright when it comes to South India. In fact, in the last century, many epigraphs had been unearthed and out of the roughly lakh epigraphs now available, a vast majority of them are from South India. Unfortunately, many of them remain unread. There are several other documents available now, but they are all rotting in the archives. It is only because our academics chose to remain lazy that we still depend on Nilakanta Sastri History of South India. Yes, a few other books have started coming out, books like The Concise History of South India, edited by Noburu Karashima – but they lack the scope and comprehensiveness of Sastri. Young writers like Manu Pillai and Anirudh Kanisetti have released splendid books, but many of these books are yet to be written. The story must be the same in East and North East India. For the history of Bengal, we still head straight for RC Majumdar or Jadunath Sarkar. We are still looking for Sir Edward Gait’s 1906 book if we want to know the history of Assam.

Even the most widely read people struggled to mention even a single name of a South Indian literary eminence, except perhaps Subramania Bharati.

It is the same with literature. It is only recently that good translations of non-Hindi literature have started to appear in English and Hindi.

The prowling devil

Literature will take care of itself, but there is a terrible devil lurking in the shadows of the rewriting of our history – the devil of false and chauvinistic writing of history. In Tamil Nadu, actors who played no major role in the story, or even fictional characters, are disguised and portrayed as great heroes who fought against the British. Not to be outdone, the government of Tamil Nadu is now using archeology for blatantly chauvinistic purposes. It is only in Tamil countries that we witness the strange spectacle of serious archaeological issues being discussed not in academia but in assembly and in political forums.

Kanisetti says in his book Deccan Lords“But I must state again that…medieval India was a dark, violent and unequal place. The medieval lords of the Deccan were not devout saints, nor noble conquerors, nor brilliant brains. They were human beings doing their best, responding to personal disasters, trying to get rich and happy, finding companionship and seeing beauty in a difficult world. Changing the course of human history was just an unintended side effect of it all.

As long as we keep in mind that the rewriting of history is only a means of illuminating areas hitherto remained in the shadows, and certainly not a tool to invent new religious or regional heroes or adorn former heroes with garish and improbable clothes, we are on the right track. Our history books must do justice to each region of India, but only for the sake of truth and to gain a balanced knowledge of our great country.

(This appeared in the print edition as “Textbook Ignorance”)

(The opinions expressed are personal)

PA Krishnan is an author in English and Tamil

Cumbria Coal Mine: Britain’s coal is in the history books – Boris Johnson should leave it there


Shortly after surviving a vote of no confidence in his leadership earlier this month, the Prime Minister vowed to continue his work of achieving “what matters most to the people of this country”.

In the coming days, Boris Johnson’s government has a golden opportunity to act on one of them – the climate crisis – by rejecting planning permission for a controversial new coal mine in Cumbria.

However, the signs are not good. During PMQs earlier this week, the Prime Minister appeared to hint that the mine would be approved, despite the overwhelming evidence against it.

Climate change is a major concern for the British public. According to the government’s latest public attitude tracker, 84% are concerned about climate change and 41% are “very concerned”. Giving the green light to the UK’s first deep coal mine in 30 years would seriously jeopardize the battle to reduce emissions.

The chairman of the climate change committee, an independent adviser to the government on the issue, warned that opening the mine would increase global carbon emissions. And UN Secretary-General António Guterres recently said opening up new fossil fuel infrastructure would be “moral and economic folly.”

International influence and government credibility on climate change are also at stake. Action against coal was one of our government’s key messages at the UN climate summit it hosted in Glasgow Last year. Approving the mine would amount to “doing as we say, not as we do”.

A YouGov poll released in November last year found just 19% in favor of the mine, while more than double that figure (43%) opposed it.

But climate change is not the only reason for the rejection of a building permit. The coal market evaporates even before the opening of the mine. The mine would produce coking coal for steelmaking, up to 13% of which would be reserved for the UK steel industry.

But one of the two main potential customers – British Steel in Scunthorpe – has expressed doubts about the suitability of the coal because of its high sulfur content. And Chris McDonald, chief executive of the Materials Processing Institute, the UK’s national steel industry research centre, says no one in the steel industry is asking for the mine to be built.

The majority of the coal would be exported to Europe. However, the demand for coking coal in Europe is expected to fall sharply in the coming years. A recent Friends of the Earth analysis found that European steelmakers are moving away from coal and towards green production using renewable electricity and hydrogen. This change risks turning the Cumbria coal mine into a hugely expensive stranded asset.

Since the invasion of Ukraine, proponents of the mine have argued that coal from Cumbria could replace Russian imports. But that’s just not true.

The steel mills use a mix of different types of coal, and the mine developer has made it clear that the coal produced in Cumbria has similar characteristics to that on the east coast of the United States, not Russia. They do not claim that their coal would replace Russian imports. In addition, a British steel industry expert said the Cumbria mine would not displace a single tonne of Russian coking coal.

Employment is a key issue for West Cumbria. The area is in desperate need of investment and it is clear that one of the main reasons local people support the mine is the promise of new jobs. But with declining demand for coal from the mine and rising emissions, new fossil fuel-based jobs are risky business.

West Cumbria deserves better. The region could and should be at the heart of the bright green future that Boris Johnson’s government has promised to build.

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According to the Local Government Association, there is potential for over 6,000 green jobs in Cumbria by 2030 in areas such as energy efficiency, solar, offshore wind and low carbon heating – and nearly 600 of them could be in Copeland, the region where the mine would be built.

Investing in a greener future would not only create thousands of jobs, but also bring other benefits. For example, a free street-by-street insulation scheme, focused on those who need it most, would make homes warmer, reduce energy bills, reduce our gas consumption and reduce the UK’s contribution to the climate crisis. The government’s impending decision on coal mining will have major ramifications for years to come.

At last year’s climate summit in Glasgow, Boris Johnson hailed the deal they had just struck as the death knell for coal. Now it’s decision time. Will his government open a new chapter on British coal or will it consign it to the history books to which it belongs?

Tony Bosworth is a Friends of the Earth campaigner

Fort Worth gets a national museum celebrating Juneteenth, but there’s drama


A new museum is coming to Fort Worth, though you might not know that from the renders. Last week, plans for a National Juneteenth Museum were released on the holiday, which marks the date in 1865 when emancipation was announced in Texas. The project is the brainchild of Opal Lee, the so-called grandmother of Juneteenth, who in 2016, and at the age of 89, marched from Fort Worth to Washington, D.C., to rally support for the establishment of the day as a national holiday. (That was, well, in 2021.)

Lee, now 95, is understandably excited about the proposed $70 million museum, to be built on Fort Worth’s historically black Southside and slated to open June 16, 2024. “It’s off the chain,” she said. The New York Times. But the design of the museum, for BIG, the business of Danish prodigy Bjarke Ingels, immediately aroused skepticism in the architectural world. Why was Ingels, a white architect from Copenhagen, selected in the first place? So what Chris Daemmrich, an advocate for racial equity in design, noted on Twitter that the skyline in the project’s initial renderings wasn’t even Fort Worth, but a dated view of Austin. Oops.

Rendering of the National Juneteenth Museum project, in Fort Worth. Courtesy of BIG-Bjarke Ingels Group, KAI Design and Atchain.(BIG/KAI/Atchain / BIG/KAI/Atchain)

To know Ingels’ career is to know how this kind of mistake could have happened. Over the past decade he has risen from the shadow of his mentor, Dutch architect Rem Koolhaas, to become an architectural phenomenon, his firm racking up order after order with a seductive, dynamic attitude and the premise that every problem is a solution in disguise. In the past two months alone, BIG has won competitions for a new opera house in Prague and an airport in Zurich, announced plans for a gastronomy center in Spain and opened a headquarters for Google in Silicon Valley. Oh, and Ingels also found time to talk about the future of the planet at the Vatican. Is it any wonder that his company can confuse a few relatively minor Texas towns?

According to its architects, the design, which features a series of asymmetrically aligned gabled halls pointing to a central courtyard (imagine: a collection of shotgun houses arranged in the shape of a doughnut), is a response to the vernacular residential architecture of Fort Worth. “It will have a handcrafted quality,” said Douglass Alligood, the architect in charge of the project for BIG. Time. Alligood, it should be noted is Black, and BIG partners with Irving KAI Companies, an African-American-owned firm that will serve as the reference architect for the project.

If anything, the Fort Worth landmark that the museum most resembles is Hall of Panthersthe demolished concert space (originally a bowling alley) made famous as a country music venue and recognizable by its staggered gabled roofline.

It would be a strange precedent for a museum celebrating emancipation, but Fort Worth has an unusual history of architectural inspiration. The vaulted roofs of Louis Kahn Kimbell Museum came, it is said, from the barns of the adjacent Will Rogers Memorial Center.

The Kimbell is just one of Forth Worth’s outstanding works of museum architecture, and surely ‘Ms. Opal” and Juneteenth deserve work that meets this extremely high standard. BIG, at the moment, is off to a shaky start.

CORRECTION, June 23 at 1 p.m.: This story has been updated to correct the spelling of architect Douglass Alligood’s name.

America’s Greatest Work of 21st Century Architecture Will Break Your Heart

Insolvency Department data shows that 60% of bankrupts are between the ages of 25 and 44; the personal loan is the main reason


The highest number of bankruptcy filings through May 2022 comes from Selangor with 72,608 cases. — Photo by Sayuti Zainudin

By Zarah Morden

Thursday, June 23, 2022 10:27 GMT

KUALA LUMPUR, June 23 – Almost 60% of the 46,132 Malaysians who filed for bankruptcy from 2018 to May this year were between the ages of 25 and 44, according to the latest data from the Insolvency Department.

Official data also showed nearly 42% of those who filed for bankruptcy over the past four and a half years cited personal loans as a factor leading to bankruptcy, followed by nearly 15% who cited buying a vehicle as a factor, and more than 13% declared bankruptcy due to a business loan.

“The fact that many of them are going bankrupt because of personal loans is something to worry about because we have no idea why they took out loans; they could have spent the money on something that was not a necessity.

“But it is also possible that these people take out loans to pay their debts. They should have sought advice from experts, for example, the Credit Counseling and Debt Management Agency,” said Dean of the Faculty of Human Ecology at Universiti Putra Malaysia, Mohamad Fazli Sabri. The star in a report published today.

Data from the Insolvency Department also showed a steady decline in the number of bankruptcies over the years.

Those who filed for bankruptcy totaled 16,482 in 2018; which fell to 12,051 in 2019; 8,351 in 2020; and 6,554 last year.

But Fazli said the decrease could be attributed to an amendment to the Insolvency Act in 2020 which raised the bankruptcy threshold from RM30,000 to RM100,000.

Credit Counseling and Debt Management Agency (AKPK) Corporate Communications Manager Sazlin Zainal Abidin said The star that the public should seek help from AKPK before applying for a loan and not just when already in debt.

“The public should approach AKPK even before taking out new loans. Then we’ll help them review their overall financial situation and advise them accordingly.

“Our consumer services are free and without the use of third-party agents,” she said.

She added that 85% of those who reached the end of AKPK’s debt management program managed to settle their debts and regain control of their finances.

The highest number of bankruptcy filings through May 2022 comes from Selangor with 72,608 cases, followed by the three federal territories of Kuala Lumpur, Putrajaya and Labuan combined (46,876) and Johor (32,441).

Laura Ingraham will present the National Museum of Military Vehicles in Dubois on Wednesday


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Staff reports

Fox Nation’s Laura Ingraham will visit Dan Starks, founder of the National Museum of Military Vehicles in Dubois, Wyoming, on Wednesday’s episode of “Hidden Gems.”

Starks and Ingraham will discuss the history and mission of the Museum. “It’s one of the most amazing museums I’ve ever seen,” Ingraham said.

Appearing on the Jesse Waters show on Tuesday night, Ingraham promoted his upcoming special by calling the segment “an incredible story of a man who spent $120 million to build a military museum in the middle of nowhere, Wyoming. which is one of the most amazing museums I’ve ever seen.

The National Military Vehicle Museum is a world-class military history museum that opened southeast of Dubois, WY in August 2020.

Inside the 140,000 square foot museum, visitors will find nearly 500 fully restored military vehicles, artillery pieces, warships and aircraft dating from 1897 to the present day with a current focus on experience. of World War II, the Korean War and the Vietnam War.

The purpose of the museum is to tell the stories of how these vehicles were used and to remember the bravery of servicemen who fought, and sometimes died, in them.

The museum also houses a large collection of historically significant firearms and opened last May.

The Fox Nation is a by subscription on-demand video streaming service that “celebrates the people, stories and history of America”.

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NCERT Defends Removing Passages From History Books, Says Curriculum Development Decentralized Exercise


NCERT on Streamlined Curriculum

The National Council for Educational Research and Training, NCERT, explained the entire curriculum development framework on Tuesday. Controversy erupted after NCERT introduced a “streamlined curriculum”. NCERT dropped parts on Gujarat riots of 2002, Emergency, Cold War, Naxalite Movement and Mughal Courts. Amid growing controversy, NCERT said the National Curriculum Framework (NCF) for school education is being updated after reviewing the assessment submitted by experts who conduct ground-level research.

According to information shared by NCERT officials, for each state, 25 state discussion groups are being established and these groups have a set of experts in key areas, such as pedagogy, assessment , environmental studies, inclusion, knowledge of India, various disciplines. such as language, social studies, science, mathematics and technology. NCERT received contributions from 27 states in the form of 608 position papers from each of their state discussion groups. These inputs play a role in the development of NCF.

A PTI report quoted an NCERT official: “At least 3,000 mobile app-based surveys are being conducted by each state and UT among grassroots stakeholders such as teachers, Anganwadi workers, local communities and About 8,391 investigators have been appointed by States and UTs for this.NCERT has already received investigation reports from 1.3 lakh stakeholders so far.

Recently, NCERT released the streamlined curriculum and some chapters on Mughal courts in a history textbook, a poem on the Dalit movement and a chapter on the Cold War were removed from the political science textbook. In the class 10 textbook, the verses of the poet Faiz Ahmed Faiz in ‘Religion, Communalism and Politics – Communalism, Secular State’, ‘Democratic Politics II’ have been deleted. In addition, the chapters entitled “Democracy and diversity”, “Struggle and popular movements” and “Challenges to democracy” have been deleted.

An NCERT official explained, “The National Curriculum is being developed with a 360-degree decentralized consultation process from Villages/Towns to Districts, States and Union Ministries. The technology is leveraged to broaden the consultation process States and UTs play a major role in the curriculum development process, making it an example of cooperative federalism.

5-year personal loan rates fall by more than half a point


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

The latest interest rate trends for Credible Market personal loans, updated weekly. (iStock)

Borrowers with good credit seeking 3 and 5 year terms personal loans during the week of June 13, 2022, prequalified for lower rates on a 5-year loan and higher rates on a 3-year loan.

For borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender during the week of June 13:

  • 3-year fixed-rate loan rates averaged 10.96%, down from 10.84% ​​the previous week and 11.85% a year ago.
  • 5-year fixed-rate loan rates averaged 12.74%, down from 13.33% the previous week and 13.80% a year ago.

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

While rates on a 5-year personal loan fell by more than half a point last week, rates on 3-year loans only increased by 0.12%. Rates for both quarters are lower than they were a year ago. Borrowers can enjoy interest savings with a 3 or 5 year personal loan now. Both loan terms offer significantly lower interest rates than higher cost borrowing options like credit cards.

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

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

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

Personal Loan Weekly Rate Trends

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

For the month of May 2022:

  • 3-year personal loan rates averaged 11.12%, down from 10.69% in April.
  • 5-year personal loan rates averaged 13.27%, down from 13.36% in April.

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

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

Current personal loan rates by credit score

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

  • 8.26% for borrowers with credit scores of 780 or higher choosing a 3-year loan
  • 29.40% for borrowers with credit scores below 600 choosing a 5-year loan

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

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

How to get a lower interest rate

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

Increase credit score

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

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

Choose a shorter loan term

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

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

Get a co-signer

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

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

Compare rates from different lenders

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

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

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

About Credible

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

Enduring Image and Resolute Defense Put Maryland in the History Books


Each day, a stylish photo of both simplicity and message awaited Maryland defensive players. Before every 6 a.m. lift, every practice, every game, a preview of the Rentschler Field Memorial Day 2021 scoreboard looked at the Terrapins. It was inescapable: “Virginia 17, Maryland 16”.

It was also unforgettable. How could anyone be amnesiac about being so close to a national title? The daily memory recall was the brainchild of defensive coordinator Jesse Bernhardt, and few are better qualified to invoke Maryland’s legacy of effective goal prevention than the former All-American.

“We allowed 17 goals last year, and that’s horrible for a Maryland defense,” said defensive midfielder Roman Puglise. “I don’t think it’s because of the loss. I think it was, ‘Let’s get back to our standards and who we are. Let’s do this thing right.

Maryland has returned to its standards. He did just about everything, from start to finish. And he found himself in East Hartford, Connecticut, nearly a year to the day, his last chance to cap off a perfect season with a different ending.

While the Terps have been lauded for their prodigious offense all year, it would be resolute defense that carried Maryland to its fourth NCAA Tournament title.

“It wasn’t pretty, but who cares?” We are champions.

— Romain Puglise

ANY CITY Maryland is found in all seasons. If the Terps were on the road, there was one thing coach John Tillman could count on to happen on the morning of every game.

When he was going down to the team hotel for breakfast, Brett Makar was already there talking to his family.

Memorial Day was no different. Tillman woke up before most of his players, allowing them to sleep late after a weather-delayed semi-final two days earlier against Princeton. But there was Makar on the phone.

“If you look at the All-American boy, I don’t think I’ve ever heard him swear,” Tillman said.

Long before the season started — and long before images of a New England scoreboard adorned his locker at College Park — Makar had emerged as a key leadership figure for Maryland. The Terps graduated Nick Grill after last season, and Makar was entering his fourth year on the program.

Yet it wasn’t just his turn. Starting from his first game as a rookie, Makar was clearly the next in a long line of top-notch defenders. He played with Curtis Corley, who was previously teammate with Tim Muller and Matt Dunn, who played with Casey Ikeda and Michael Ehrhardt, who were part of a defensive unit that featured Bernhardt on long pole.

The bloodline counts in a program that has produced at least one All-American defenseman or midfielder every year since 1999. And Makar embodies it.

“He’s bleeding Maryland into everything,” Bernhardt said. “You see that in the way he plays. It’s the way he talks about his teammates, the way he talks about Maryland as a program. He kind of has this all-encompassing Terpness going for him.

“Terpness” covers a lot in Tillman’s program, including a focus on the immediate task at hand that often feels robotic. Still, as the calendar turned to May, it was hard for anyone in the Maryland locker room to miss the underlying strength.

This was especially true for Makar and Logan Wisnauskas, the hyper-focused striker who normally possesses little interest in reflecting on the past. They were the two Terps with post-game media duties following the loss of the title match in 2021, a chore neither of them forgot.

“Me and Logan all week, all month, we traded the image of us doing the media last year with the headline, ‘Maryland loses national title,'” Makar said. “Just this image got stuck in my head.”

They were hardly the only veterans who took the end of 2021 with them. There was Matt Rahill, who switched between long pole and tight defense early in his career before finding a place as a glue guy among bigger names as a fifth-year senior.

Likewise, John Geppert spent time in tight defense before moving to long bat and was in his fourth year in the program. Transfers like Jake Higgins (Cleveland State) and Alex Smith (Hartford) helped Maryland rebuild a short-stick defensive midfield unit that faded after the 2017 championship.

And in an unforeseen twist before the fall, attacking stalwart Bubba Fairman opted to use his eligibility pandemic bonus year as a defensive midfielder. It wasn’t a gimmick. With his athleticism, the Utah native became an asset in a position he had only played sparingly before.

And then there’s the guy who showed a little ingenuity, a lot of stubbornness, and probably a good pain tolerance was the right mix for a memorable Memorial Day.

IT WAS FUNNY IN HIS WAY, at least in Puglise. He had done the same thing, game after game, for five years. Slip and stitch. Slip and stitch. Only this time, in an all-time national semi-final, his right hand took the worst.

Puglise was back in the locker room at the end of the first quarter in their penultimate college game. Maryland was on the verge of winning, and there was no way after the previous year that he wouldn’t be on the court. It was outfitted with gear that was part sunk, part glove, and returned on Memorial Day.

Like others on defense, Puglise, who Bernhardt described as “one of the most alpha males” to come through the program, found inspiration (and some irritation) in the way the Terps gave away the most goals in a post-season game since 2005 to top the previous year.

But Puglise also held an echo of what it was like when he arrived on campus in late summer 2017. He saw all the trappings of a title team, but didn’t. never been able to experience them through his own work.

“It’s a really weird dynamic to join a team that has just won a national championship,” he said. “They go to the White House and do all this in the fall. It’s weird being a freshman and [realizing] that’s what we’re waiting for now.

It takes household names – the Makars, the Rahills, the Puglises – to make a title chase happen. But it also requires some pleasant, if not entirely expected, developments to unfold.

While it didn’t happen directly on defense, the rise of Luke Wierman was part of it. Wierman was a sub-.500 face-to-face guy as a redshirt rookie in 2021. He ranked second nationally at X with .661 percentage in 2022, tilting the field significantly in favor of the Terps .

Not all breakouts are equally recognizable. With Grill’s departure, Maryland had a vacancy in the starting lineup. In Ajax Zappitello, a sophomore whose extra strength and technically sound play won the job this spring. Bernhardt and Tillman knew there would be on-the-job training, and the year hasn’t been completely even for the Oregonian. But Zappitello improved as the year progressed, and his effort to hold Virginia star Connor Shellenberger scoreless in the quarterfinals proved to be one of the best defensive efforts of the season.

Zappitello was sharp in the final four, but no one on the Maryland defense was better than goaltender Logan McNaney. After making a career-high 19 saves in the semi-final against Princeton, he added another 17 saves in Cornell’s 9-7 loss in the title game. “I think he played the best two games of his career in the last two games,” Puglise said.

How to Participate in National Museum of African American History and Culture Juneteenth Programs


Juneteenth became a federal holiday last year, but many African Americans have celebrated it for years. This marks the day the slaves of Galveston, Texas were told they were free.

Anyone can participate in the National Museum of African American History and Culture’s June 19 festivities, even from a distance.

Juneteenth is a day that holds special meaning for so many people. In 1863, President Abraham Lincoln signed the Emancipation Proclamation – but many enslaved people in Galveston, Texas didn’t learn they were free until two years later – on June 19.

The museum plans special performances and workshops. They also have a Juneteenth book listed online and resources to teach kids what it means.

Part of the celebration includes delicious food. The museum café will offer a special Juneteenth menu and the museum is hosting virtual cooking classes so you can learn how to make them yourself at home.

A d

Kevin Young is the director of the museum and has been celebrating Juneteenth for years. Last year, it finally became a federal holiday. A day of reflection and remembrance as families honor their ancestors and each other.

Watch the video above for the full report.

See: More Juneteenth coverage

Copyright 2022 by WDIV ClickOnDetroit – All Rights Reserved.

England’s Matt Fitzpatrick is on course to join Jack Nicklaus in the history books with the club’s lead at the US Open


Fitzpatrick would have taken outright clubhouse advantage, but for a bogey on the 18th. But he wasn’t whining, especially as he looked at the standings and saw the identities of those struggling. McIlroy bogeyed three of the first six holes and actually valiantly managed to hang on and post a 73 to get back to one under.

It’s pretty close, but McIlroy will be desperate to ensure his putter doesn’t get a dose of chills like it did early on Sunday. Fortunately, he regained his previous heat, as he surprisingly hit eight single putts in nine holes from the ninth. That alone kept alive the 33-year-old’s hopes of a first major in eight years.

Sunday should be dramatic, if only because no track is safe at the Country Club. Not when it plays like that. This was pointed out by none other than world number 1 Scottie Scheffler. Seeking to become the sixth player in history to win the Masters and the US Open in the same season, Scheffler was in charge when he broke through from 101 yards for an eagle in the eighth. It took it to six under and two clear and it looked like Augusta National again.

But in a surprising mini-collapse, Scheffler dropped five strokes in four holes from the 11th, double boegy the shortest hole on the course, then compounded that error with three successive bogeys. He stopped the rot with a par 15 and birdied the 17 to post a bizarre 71 and stayed in contention on two under alongside Keegan Bradley, the local Massachusetts lad who shot a 69.

Collin Morikawa did not experience such a response. The overnight leader came out in a three of 38, with a double bogey in the seventh, then took six more on a par four in the 13th. Playing last, the world number 7, seeking his third major title in just his 12th major start, was seven for the day and two for the tournament.

There is no representation of LIV Golf on the business side of the ranking. Fifteen of the players who signed with the Saudi rebel circuit left here in Boston, but only four survived the cut. Dustin Johnson is the best placed on two on, after a 71, while Richard Bland, the 49-year-old defector from Southampton, is on four on after a 72.

LIV’s next $25 million uncut event is 12 days from now in Portland, Oregon. This 48-man squad is set to be announced early next week and rumors are swirling that there may be a few new big names in their ranks, with Matsuyama a heavy mention in the locker room.

US Open, third round: how it happened

New exhibit brings visitors closer to the National Museum of the Latin American


The dreamed of National Latin American Museum probably won’t be finished for at least ten years, but a big step was taken towards its completion when the first exhibit of the future Smithsonian Museum opened as a pop-up on the National Mall in Washington D.C.

This exhibition, a kind of preview, is called ¡Present! A Latin History of the United States. It is housed in the Molina Family Latino Gallery, a 4,500 square foot space inside the National Museum of American History.

Jorge Zamanillo, director of the National Museum of the Latin American, indicates that the placement is intentional. It is meant to show visitors that Latino history is part of American history.

“It’s foundational. It really sets the stage. Kind of like a 101 on the Latin American presence in the United States and how it fits into the larger narrative of American history,” Zamanillo said.

Tony Powell / Molina Family Latino Gallery


Molina Family Latino Gallery

An exhibit at the National Museum of American History’s Molina Family Latino Gallery.

When ¡Present! was in development, Smithsonian curators surveyed visitors about their knowledge of Latin American history to determine what should be front and center in this exhibit. The final show speaks to what many of these visitors did not know, says Ranald Woodmandirector of exhibitions and public programs at the Smithsonian Latino Center.

“Most visitors think Latinos are new to the United States, they see us all as immigrants and as being mostly Mexicans, Puerto Ricans and Cubans,” he says.

The small but dynamic exhibition reflects all kinds of Latin American experiences and presents them in English and Spanish. ¡Present! covers four themes: colonial legacies, war and the expansion of the United States, histories of immigration and the formation of the nation.

In one of the galleries, for example, visitors can see a raft: a small boat where Cuban refugees spent several days in 1992 on their way to Florida by sea. In another, an intricate work of art titled Tree of life, by V of Mexican origineronica Castillouses clay to recreate historic moments and themes present throughout the gallery.

Woodaman said he wanted the exhibit, which runs in chronological order, to end in the present — with data-driven stories that show the growing impact of Latinos in the United States. He also wanted to end on a note of affirmation, nodding to how the community breaks down boundaries and shines a light on the stories of people like Sonia Sotomayor, Supreme Court Justice, Cuban-American singer Celia Cruz and Colombian American drag queen and activist José Sarria.

And at the very end of the gallery, there’s a quiet little room with books and board games that feels like a chill-out space to unwind.

“We want people to come to this space and feel welcome, and feel like they can come hang out here on a Saturday or Sunday and play Domingos of Dominoes or come hang out and learn the science behind the spices in our Latino foods,” says Emily Key, who leads public engagement at the museum. “Why does chili taste the way it does? What’s the science behind it?”

Until the National Museum of the American Latino is finally built and opened, in 2024 or later, this gallery marks a milestone: the beginning of the end of a decades-long quest to showcase Latino culture. -American in the American context.

Copyright 2022 NPR. To learn more, visit https://www.npr.org.

7 Steps to Get the Lowest Personal Loan Interest Rate with Bajaj Finserv


Here’s how to get an instant personal loan at the lowest interest rates with Bajaj Finserv.

A personal loan is a quick and convenient tool for managing various financial needs, especially those that arise without notice. You can use an online personal loan even for planned expenses, such as home renovations, education costs, or even vacations. Sometimes it doesn’t make sense to dip into your savings for some big expense. The perfect way to fund your immediate cash needs is to avail the lowest interest rate personal loan from Bajaj Finserv. Once you’ve determined the amount you need, use an EMI loan calculator to determine your monthly repayments.

Here are 7 steps that will help you get a personal loan at the lowest interest rate from Bajaj Finserv:

1. Clearly define your personal loan need

Before opting for the personal loan at the lowest rate, finalize the amount you need and determine a comfortable monthly repayment amount based on your income. You can even mix and match. For example, if you need an amount of Rs. 4 lakh, but the EMI turns out to be quite high, you can choose to use Rs. 1 lakh from your savings to reduce the loan/EMI amount. The line between a higher loan and saving your savings versus a lower loan and eating into your savings is the one you have to walk alone. If in doubt, use an online loan EMI calculator.

2. Visit Bajaj Finserv website

Once you have a ballpark figure in mind, visit the Bajaj Finserv website and check out personal loan offers online. Bajaj Finserv offers personal loans of up to Rs. 25,000,000. Tenures of lowest interest rate personal loans range from 24 months (2 years) to 60 months (5 years). If you have a good credit score and a solid income, you can get the most competitive interest rate on your personal loan online. Interest rates generally start at around 13%. Again, enter all of your loan information into an EMI Loan Calculator to better understand the offer.

3. Check the eligibility of your personal loan

Unless you meet all the eligibility criteria, it is difficult to get the personal loan at the lowest interest rate. Before applying for a personal loan online from Bajaj Finserv, go through their portal for information on eligibility criteria such as age, minimum monthly income, credit score, and work experience. You should always keep all the required documents handy before applying for a personal loan. A higher credit score will allow you to get the lowest interest rates on your personal loan, no matter which lending institution you approach.

4. Maintain a high CIBIL score

Your CIBIL score is an indicator of your repayment history. A CIBIL score of over 750 is considered the most favorable by banks and financial institutions, and applicants with these scores are sure to get the personal loans at the lowest rates without too much trouble. Even if your credit score is north of 700, you have a decent chance of qualifying for a competitive personal loan offer, but below 700 is where things get tricky. We suggest making all your credit card/loan payments on time to establish an impressive credit score before applying for a new loan.

5. Compare interest rates online

If you meet all the eligibility criteria and have a credit score above 750, you can get a personal loan online from Bajaj Finserv at an interest rate of just 13%. However, the interest rate can also go up if your ability to repay is questionable. Using a Loan EMI Calculator, you can better understand loan variables (such as interest rate and term) and how they affect your repayment obligation.

6. Complete the personal loan application form

Once you are satisfied with the online personal loan details available on the Bajaj Finserv website, you can start the application process by completing the online form. Along with KYC details like Aadhaar and PAN Card, you also need to provide your income data along with relevant documents like payslips and bank statements. Make sure you enter all the details correctly and submit electronic copies if required. The online application process is simple and transparent, and you can do it in a very short time. Upon submission, you will receive an OTP to your registered mobile number. Once you have entered the OTP, your request is saved and being processed.

7. Get quick disbursement of funds

Your Bajaj Finserv personal loan application is usually processed within a short period of time. However, if your documentation is correct and you meet all the eligibility criteria, you can get the loan amount disbursed in just a few hours.

Taking the lowest interest rate personal loan to manage your personal finances or consolidate your debts is probably the best financial decision you can make. Indeed, personal loans are disbursed quickly and do not require you to keep collateral as collateral. However, there are some factors you should be aware of, such as your credit score, as having a minimum credit score of 750 is a must to get a personal loan online. Keep these factors in mind and you won’t have to face any problems by opting for the personal loan with the lowest interest rate.

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Where to get the best views of Edinburgh from the National Museum to Victoria Street


The Edinburgh Festival Fringe is one of the city’s biggest annual attractions and a mass celebration of the beautiful, the weird and the eclectic. However, as visitors search for their perfect sight, they can find Edinburgh’s best view.

A Google search will tell you that the hills and lookout points that dot the city offer some pretty fantastic views. However, going off the beaten path and walking a few historic alleys can reveal the most Instagram-friendly moments.

READ MORE – Kind Edinburgh stranger hands out £1,000 to locals at petrol station

New Town reporter Danyel VanReenen has rounded up some of Edinburgh’s best views ahead of the festival.

Edinburgh Festival Fringe is one of the city’s biggest annual attractions,

National Museum roof terrace

The National Museum‘s rooftop terrace is a personal favorite because it’s free and offers nearly 360-degree views of the city and suburbs.

The view from the northwest reveals a breathtaking look at Edinburgh Castle’s facade set above the historic Royal Mile skyline. From the south, various Gothic buildings and towers rise out of the suburbs as a tribute to Edinburgh’s rich history.

The views to the East are more difficult to see, but Holyrood can be seen from the stairs as spectators ascend to the roof.

The view is all the more satisfying after perusing the exhibits of the National Museum. The building itself is a huge maze of history and knowledge. With exhibits for visitors of all ages, abilities and interests, it’s well worth the time on the way to the rooftop.

The roof terrace is accessible by stairs as well as by an elevator.

Craigmillar Castle

The views from the ramparts of Craigmillar Castle are in second place. The historic complex is in the city of Edinburgh, but feels a world away from the bustle of the Royal Mile.

The oldest part of the castle was built in the late medieval period, and Mary Queen of Scots used the castle as a refuge in 1566.

As well as the palpable history and authenticity of the castle, views from the ramparts reveal the beauty of Edinburgh city center from a distance as well as sea views near Leith and Portobello, and the famous beauty of the Scottish countryside .

Green hills roll away from Castle Hill and slowly blend into the housing estates. On a clear day, the blue/black sea is visible. Holyrood and Edinburgh Castle can be spotted in the distance, and visitors can almost imagine the former royal gardens that grew there.

Entry costs £7 and the castle walls are not wheelchair accessible due to the age and design of the structure.

Kirkyard of Greyfriar

Greyfriar’s Kirkyard is known more for its church and graveyard than for its views. However, the alternate, darker view of the city through the gravestones and over the old Flodden Wall has some appeal.

While the tombstones and mausoleums create an atmosphere that generally matches the gray skies over Scotland, the best views are from the south-east corner of the properties near the main street entrance. Visitors can wander between the tombstones while keeping an eye on the horizon above. Most notably, the spiers of Tolbooth Kirk stand front and center.

The Kirkyard is free to the public and has a paved path from the entrance at the top of Candlemaker Row near the junction of the George IV Bridge.

Victoria Street

Victoria Street may not offer panoramic views of Edinburgh; however, it is certainly a perfect location.

On particularly gray and rainy days, the color of restaurant and shop fronts contrasts sharply with the weather. Visitors may feel like they have entered Diagon Alley from the Harry Potter universe.

The buildings that line the road are typical multi-storey constructions of the city. The city’s classic sandstone architecture is predominant on the upper half of the buildings, but the lower floors feature brightly painted facades. Most buildings have storefronts, cafes, and restaurants that provide shelter on rainy days. Cobbled streets complete the picture of historic idealism.

Pedestrians have to watch out for cars and oncoming traffic while taking the perfect shot.

Other views from around the city include Calton Hill, King Arthur’s seat in Holyrood Park, the cobbled forecourt of Edinburgh Castle, and Prince’s Street Gardens on the north side of the station.

READ MORE – East Lothian mum shares horror of Harry Styles fan landing on her after 35ft fall

READ MORE – Drivers urged to use ‘hidden’ in-car button to save money on fuel costs

READ MORE – Video captures moment Edinburgh residents were forced to abandon their homes during a fire

Golden Corral’s revival was one for the history books


The buffet is experiencing double-digit sales growth, renewed franchisee growth, and recognition of its employees as a place to work.

Golden Corral CEO Lance Trenary couldn’t be more proud of how his brand has emerged from the lowest depths of COVID, and he’s not the only one feeling it.

The industry veteran received the 2022 Gold Plate Award from the International Foodservice Manufacturers Association, joining past winners such as Danny Meyer and Wolfgang Puck. For Trenary, the award says nothing about what he has done individually. It was more of a depiction of the roller coaster that Golden Corral has been on over the past two years and showcased the resilience of team members, the perseverance of franchisees and the loyalty of customers.

“The emotions were so strong because after the past two years and what our company has been through, for us to be recognized was really a validation of all the hard work and effort and how our team showed up. rose to the occasion,” says Trénaire. “I really saw it as a reward for the entire Golden Corral system. And what I told my team is that my name is on the plate, but it’s a Golden Corral Golden Plate Award.

The roughly 360-unit chain is seeing average weekly sales of up to $85,000 per store, up from $65,000-70,000 at the start of 2021. The brand is even back on the air with new ad campaigns celebrating barbecue. in the garden and the idea of ​​diversity and bringing families together.

READ MORE: Golden Corral built for the next 100 years

Trenary attributes the comeback to Golden Corral’s strong value proposition, despite the volatile economy and historic inflation. The company has been “very sensible” on pricing and remains well below industry average. When that’s combined with the variety and abundance each day, says Trenary, “the customer realizes very quickly that Golden Corral is where you’re going to get the most value for your dining dollar.”

However, he knows that it’s up to Golden Corral to deliver that experience, so the brand intended not to cut offerings or reduce quality. The chain is constantly reviewing “do” versus “buy” decisions, and Trenary says more often than not, the best products are made by hand. With that in mind, Golden Corral always mixes their meatloaf, chops the meat, cuts the steak, breads the chicken, and spends 12 hours cooking the roast.

The chain’s slogan is “one for all,” and Trenary is determined that restaurants stick to that statement.

“So the whole family can come to a restaurant, get what they like, whether it’s salads or fried chicken or steak or whatever, we have everything there every day and we don’t we only have to pay a fixed price that they’re aware of up front – I really like that from a position perspective,” says the CEO. “It gives me good confidence going forward, and I think that’s starting to show in our bottom line and why we’re in many cases outperforming the family restaurant segment right now.”

SiriusXM & Smithsonian National Museum Of African American History Honor Black…


Unveiling in Washington DC


There will be an invitation-only event at the museum auditorium in WASHINGTON, DC on THURSDAY, JUNE 30. It will be an unveiling of the SIRIUSXM NEIGHBORHOOD RECORD STORE and a live recording of the award-winning THE WEBBY/ANTHEM podcast, ALL MUSIC IS BLACK MUSIC.

The NEIGHBORHOOD RECORD STORE is an interactive destination housed in NMAAHC’s “MUSICAL CROSSROADS” exhibit that features record covers for individual browsing and a digital interactive station that connects songs and artists across various genres, themes, regions and time periods .

Expected guests for the evening include ROCK AND ROLL HALL OF FAME inductees and GRAMMY® Award-winning producer/songwriters JIMMY JAM and TERRY LEWIS, NMAAHC Associate Director/Conservation Affairs Dr. DWANDALYN REECE, and vocalist/instrumentalist MOBLEY; the ALL MUSIC IS BLACK MUSIC podcast theme composer.

SIRIUSXM CEO JENNIFER WITZ said, “Since joining forces a year ago with the launch of ALL MUSIC IS BLACK MUSIC, SIRIUSXM and the NATIONAL MUSEUM OF AFRICAN AMERICAN HISTORY AND CULTURE have continued to develop and extend their relationship. come together to honor BLACK MUSIC APPRECIATION MONTH and officially unveil the next chapter of our collaboration with the SIRIUSXM NEIGHBORHOOD RECORD STORE.”

SIRIUSXM SVP / Head of Diversity, Equity and Inclusion NICOLE HUGHEY added, “We are commemorating BLACK MUSIC APPRECIATION MONTH all over SIRIUSXM, in our hallways and on our airwaves, and we are incredibly excited to now be teaming up with the NMAAHC to take the celebration to WASHINGTON, DC. We are firm believers in the mission of the NMAAHC and are excited to continue to find new ways to work together to promote and celebrate African American history and culture.

All previous episodes of the podcast can be heard on SIRIUSXM Channel 106, the SXM app, PANDORA and STITCHER. For more information see here.

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A complete guide to help you choose the right personal loan – Forbes Advisor INDIA


Today, we are seeing an increase in the number of people opting for a personal loan, especially to finance their major purchases. A personal loan simply refers to the unsecured loan taken out by an individual from a bank or a non-bank financial company (NBFC) to meet their personal needs.

A personal loan, unlike a home or car loan, is not secured by an asset. Eligibility for a personal loan depends on factors such as employment and credit history, repayment capacity, income level, etc. Availing a personal loan is not only easy but also a preferred option, for reasons like less paperwork and the fact that there is no need for collateral to avail it.

What you need to know before taking out a personal loan

Although personal loans offer many benefits, it is also important to understand that defaulting on a personal loan can lead to negative consequences that can negatively affect your credit score. This, in turn, could reduce your chances of getting a personal loan in the future.

You should keep in mind that interest rates for personal loans are much higher than for other types of loans. This snowball effect of interest rates is simply due to the fact that these unsecured loans are made to borrowers without any collateral.

Personal loans can be used for any financial need of the individual. Lenders, on the other hand, will not monitor or limit the end use of borrowed funds.

It can be beneficial for individuals to overcome the difficult times brought about by the pandemic. The Covid-19 pandemic has also catapulted the popularity of personal loans, resulting in a surplus of personal loan options available in the market today. At times like these, choosing the right personal loan can be quite a daunting task. It has become more important than ever for borrowers to carefully study the different lenders and the loan terms offered by the lenders, in order to determine which personal loan is best for them.

To make it easier for you, here are the top 10 factors you need to consider when looking for the right personal loan.

10 factors to help you choose the right personal loan

Before locking yourself into a specific personal loan, it is essential that you do detailed research. Here are the main things you need to consider:

1. Loan amount

Before acting on your decision to avail a personal loan, one of the most critical factors is deciding on the amount of loan you wish to borrow.

Depending on the need for funds, it is important that you set the desired loan amount and then proceed to calculate the equivalent monthly installment obligations (EMI) based on the loan amount and the term for which you are taking the loan.

Comparing the loan offered by different lenders will help you settle for a cheaper personal loan.

2. Loan repayment term

When you take out a loan, it is advisable to repay the loan as soon as possible. That said, lenders that offer a short repayment term would naturally require higher EMIs, due to fewer installments.

A loan default could leave a bad mark on your credit score, discouraging lenders from granting you loans in the future. So while you’re looking to get out of debt soon, it’s important to assess your ability to repay and choose the loan term that’s right for you.

3. Lenders

It turns out that the personal loan is the most common product offered by banks and financial institutions. More often than not, we are inundated with calls and text messages offering us personal loans at attractive interest rates and terms.

With a plethora of options to choose from, choosing the right lender can be overwhelming to say the least. In such cases, it is crucial that you do your due diligence to avoid falling into the trap of scammers and lending traps.

To make an informed decision, using an online aggregation platform would be the best choice. You can compare the different lenders, their terms and their interest rates and you will even be informed about the offers that these different lenders offer from time to time, on these platforms. If you are looking for a long-term loan, you may consider going to an established bank that offers favorable terms.

4. Credit score

A credit score or CIBIL score is a key indicator of your eligibility for a personal loan. Before taking the step to benefit from a personal loan, it is important that you check your credit rating or CIBIL.

While a higher score increases your chances of getting a personal loan approved, credit score also impacts the loan amount sanctioned, including loan terms such as interest rate and EMIs.

The credit score reflects your overall financial health and gives the lender a better understanding of your debt repayment abilities. A credit score above 750 is considered a good score to get a sanctioned personal loan on favorable terms.

5. Interest rate

You can have a myriad of lenders approaching you with impressive, slightly low interest rates. As enticing as this offer may be, keep in mind that when you opt for loans with such low interest rates, you may end up paying more due to many other unreasonable loan terms.

A thorough study and comparison of the interest rates of different lenders is essential before taking out a personal loan.

Another factor you need to keep in mind is how interest rates are calculated. Loan interest rates calculated using the declining balance method are considered ideal in most cases.

6. EMI Calculations

Before taking out a loan, it is essential that you get used to the process of calculating the EMI.

Knowing this will help you understand your ability to repay the loan on time. With options like No-Charge EMI and Advanced EMI on the market, it’s important to understand how these EMIs are calculated to ensure you avoid paying more than necessary.

7. Set-up costs

Some lenders charge origination fees for personal loans. The origination fee is a fixed amount that must be paid once the loan application has been sent to the lender or when the loan application has been verified.

Knowing the rates at which origination fees are charged by different lenders will help you make the right decision and avoid exorbitant origination fees.

8. Foreclosure and prepayment fees

Another set of fees you need to be wary of are foreclosure and prepayment fees. These are fees that come into play if the borrower expects to settle their loan before the term of their loan.

While some banks may choose not to charge foreclosure fees, most banks charge between 2% and 5% of the balance amount.

Comparing these fees will help you identify lenders that offer the most flexibility in repayment, whether partial or full.

9. Other costs

Besides the fees mentioned above, be sure to check the terms of the loan for all other fees such as administrative fees, loan processing fees, etc.

Look for these fees on the lender’s website or on their loan application forms. Being well aware of all these additional fees and charges will help you know how much you will be charged as part of the process of applying for a personal loan.

10. Consider your current liabilities

Before applying for a loan, you need to consider your debt and existing debts. There may be instances where you already have an outstanding loan that needs to be repaid or credit card bills that need to be settled. It is important to take these obligations into account and calculate your debt-to-income ratio.

It will also help you know if you have enough money to repay the loan. If your debt-to-equity ratio is high, you may want to consider other options, such as borrowing from friends and family instead of taking out a personal loan.


With your financial goals in mind, you may also want to consider the lender’s credibility and the quality of their customer service before applying for a personal loan.

While personal loans are available in abundance, settling for the right personal loan requires a good amount of research on the part of the borrower. Before applying for the loan, you should carefully analyze all the pros and cons of different lenders, read the loan documents carefully, and seal one that offers competitive interest rates along with flexible repayment options and an appropriate term.

Iraqi Culture Minister visits National Museum of Iran


According to the General Directorate of Public Relations and Information, the Iraqi delegation, accompanied by Mohammad Ali Kiani, director general of cultural cooperation and Iranians abroad, visited the museum and was welcomed by Jibril Nokandeh, director General of the National Museum of Iran.

The visit started with the historical section of the Museum of Ancient Iran and the explanations given by Firoozeh Sepidnameh, the director of this museum, were noticed by the guests.

The joint cultural manifestations of the two countries with the ancient history of Iran and Iraq at the Museum of Ancient Iran, including the historical and cultural monuments of the Achaemenid period, attracted the attention of the Iraqi Minister of Culture, Tourism and Antiquities.

At the end of his visit to the National Museum of Iran, Hassan Nazem was present at the “Touch of History” exhibition for the blind, and by touching samples of historical and cultural monuments, he described this special exhibition as very admirable. .

The Museum of Archeology and Art of the Islamic Era of Iran, in the presence of Karam Mirzaei, the director of the museum, welcomed the Iraqi delegation, and in this section, the Koranic manuscripts were examined by Hassan Nazem.

At the end of the visit, the Director General of the National Museum of Iran presented a collection of National Museum publications to the Iraqi Minister of Culture, Tourism and Antiquities.


How to use a personal loan for the purchase of a car


Research different loan options from various lenders.

When buying a car, several financing options are available to you. One of the most common options is to take out a personal loan to cover the cost of the car. When it comes to personal loans, you will need to gather information about the car you want to buy, including the make, model, and year. You will also need to find out about your credit score. A lender will use this to determine how much money they are willing to give you. In most cases, lenders will want to see a credit score of at least 620 and a debt ratio no higher than 45%. If you meet these requirements, you should be able to cover the cost of your car purchase. Keep in mind that the interest rate for buying a car will likely be higher than the interest rate on a loan for a home or other major purchase. However, it may be a good option for someone who is unable to obtain a car loan from a traditional lender. It can also be ideal for someone who wants to buy a more expensive car than they could afford by borrowing from a traditional lender. Just be sure to shop around for the best interest rate to find the right loan option.

Apply for the loan of your choice.

Once you’ve chosen a lender, it’s time to apply for a loan. You will need to provide them with basic information, including your name, address, social security number, and income. You will also need to provide information about your credit score and debt to income ratio. Gathering these documents beforehand will make the process more efficient. The application process usually only takes a few minutes and you will get a decision quickly. If you are approved, you will receive an agreement within a few days.

Read the loan agreement and get your new car.

Once the application is approved, you will need to sign the loan agreement. The agreement will include the terms of the loan, including the interest rate and repayment schedule. Once you’ve gone over all the details, it’s time to sign the deal and pick up your new car. Provide the dealer with a copy of the loan agreement, and the dealer will then provide you with the title to the car. Be sure to bring all of your loan documents with you so the dealership can process the sale.

Start making payments on your loan.

Whenever you borrow money, you should strive to pay it all back as quickly as possible. Be sure to only borrow an amount you can afford to repay. Also, you should always compare interest rates from different lenders before committing to just one. This will help you find the best deal for your personal loan. Make all your payments on time to avoid any penalties. These can easily affect your credit history and make it harder for you to apply for loans in the future. Financial institutions are reluctant to lend money to borrowers who already have a lot of debt or who often make payment delays.

I hope this quick guide has helped you learn more about using a personal loan to buy a car.

From the Battlefields to the History Books: A Look at America’s Longest-Lasting Civil War Veterans | New


The very last verified Civil War veteran to die was Albert Woolson, a Union Army drummer from Minnesota who died on August 2, 1956, at the age of 109. Woolson, who never fought, was the last member of the Grand Army of the Republic and the organization disbanded after his death.

Woolson’s death was a national topic with a seven-page story in Life Magazine and President Dwight D. Eisenhower commemorating his death with this statement: “His passing brings sadness to the hearts of all of us who cherish the memory of the brave men on both sides of the war between the states.

The last surviving Civil War veteran who saw combat is believed to be James Albert Hard. Hard, who was a drummer, lived to be 109 and died in 1953. As a member of the 32nd New York Volunteer Infantry, Hard fought in the battles of First Bull Run, Antietam, Chancellorsville, and Fredericksburg.

The last verified Confederate soldier was Pleasant Crump, who died December 31, 1951. There is another claim to be the last Confederate in William Townsend (died February 22, 1953) but his the date of birth remains unverified.

The last Union Civil War soldier in Missouri was John Hutchison, of Isabella, Ozark County, who died March 12, 1951, four days after his 105th birthday. Missouri’s last Confederate was likely Johnny Graves, who died at the Confederate home of Higginsville in 1950 at the age of 108.

Nirmala Sitharaman inaugurates National Customs and GST Museum ‘Dharohar’ in Goa – ThePrint – ANIFeed


Panjim (Goa) [India]Jun 11 (ANI): Union Finance Minister Nirmala Sitharaman inaugurated the National Customs and GST Museum “Dharohar” in Goa on Saturday as part of the iconic Azadi Ka Amrit Mahotsav Week of the Ministry of Finance , celebrated from June 6 to 12 .

According to the Ministry of Finance, the inauguration ceremony was held in a unique way, with the Minister of Finance removing the golden sand from a single piece of rock art installed in the century-old heritage building in which the museum is located. .

The two-storey ‘Blue Building’, which was formerly known as Alfandega, during the period of Portuguese rule in Goa, has stood on the banks of the Mandovi River in Panaji for over 400 years.

Pankaj Chaudhary, MoS Finance and Mauvin Godinho, Minister of Transport, Tourism and Panchayat, Government of Goa were present at the inauguration ceremony.

Dharohar is a one-of-a-kind museum in the country that not only showcases the items seized by Indian Customs but also depicts various aspects of the work done by the Customs Department while safeguarding the country’s economic borders, heritage, flora and its wildlife and society.

“Dharohar has 8 galleries, namely: Introductory Gallery, History of Taxation Gallery, Guardians of Our Economic Frontiers Gallery, Guardians of Our Art and Heritage, Guardians of Flora and Fauna, Guardians of our social welfare, Indirect Tax Travel -Salt Tax to GST and GST Gallery,” the ministry said.

He further informed that the tour de force of Dharohar museum is a unique gallery “Battle of Wits” which showcases the brain battle between smugglers and customs officers. It contains chronic seizures of ancient coins, statues, endangered wild animals, weapons and narcotics.

The Museum offers the rare opportunity to gain insight into the workings of the Department over the years, ushering in a change in its methodologies to meet the challenges that arise while providing exceptional service to the Nation.

Its exhibits include the Ain-i-Akbari manuscript intercepted by Indian customs at the Indo-Nepal border at Raxaul, a replica of the Amin pillars of Kaurkshetra, astronomical instruments from the medieval period, metal and seized stone, ivory objects and wildlife. elements.

GST Gallery is a brand new addition to the Dharohar Museum. A one-of-a-kind initiative in the country, this GST Gallery takes us through the long and arduous journey to GST that spans two decades. Beginning with the Atal Behari Vajpayee government which initiated discussions on the GST in 2000, the Gallery chronicles the various stages and processes that paved the way for the introduction of reformed unified indirect taxation in the form of the GST on July 1, 2017.

An electronic museum catalog contains high-resolution images of the various exhibits in the museum along with relevant information. This electronic catalog is downloadable using the QR code which would serve as a ready counter not only for visitors but also for scholars of archeology and ancient history.

‘Dharohar’ is an important addition to India’s tourist map and a must-see attraction in Goa. (ANI)

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

How to Get a $50,000 Personal Loan


Do you need a $50,000 personal loan but aren’t sure if you qualify or who are the best lenders? Larger loans for this amount are readily available from banks, credit unions, and online lenders. But before applying, it is important to assess whether you need a loan for this amount or whether a smaller loan will suffice.

You should also familiarize yourself with what lenders are looking for in applicants and get at least three loan quotes to assess whether the benefits of getting a $50,000 personal loan outweigh the cost of borrowing.

How to determine if you need a $50,000 loan

How do you intend to use the loan proceeds? Are you going to cover a large expense, a financial emergency, renovate your home, or consolidate high-interest debt? If not, do you have a compelling reason to borrow such a sum of money?

Take a notebook and calculate the exact amount you need. It can be tempting to ask the lender for a lot more, especially if you have little or no money saved up. Yet you risk borrowing more than you can afford to repay, racking up late fees and hurting your credit rating.

However, certain circumstances justify a larger loan amount than you actually need. Home improvement projects and special events, like weddings, often go a little over budget. So, it may be a good idea to overestimate your expenses and apply for a loan for that amount.

Conditions to benefit from a personal loan

It depends on the lender, but most will assess your creditworthiness and debt-to-equity ratio. Lenders want to know that you have responsibly managed debt products in the past and can afford to make timely monthly payments on a new loan.

Your credit rating sheds light on how you manage outstanding debts. Lower interest rates are generally reserved for borrowers with good or excellent credit. As of May 24, 2022, the average personal loan interest rate for consumers with excellent credit ranged from 10.3% to 12.5%, compared to 28.5% to 32% for borrowers with bad credit.

A fair or bad credit score doesn’t necessarily mean you can’t get a $50,000 personal loan. But you can expect to pay a lot more interest over the life of the loan. The lender may also require you to have a co-signer with exceptional credit health to approve you for a loan.

Most lenders will also assess your debt-to-equity ratio when deciding if you are a good candidate for a loan. This is the percentage of your gross monthly income used to cover minimum monthly debt payments. If this number is higher, lenders may be hesitant to approve you or charge a lot more interest because the risk of default is higher.

In most cases, you will also need to provide the lender with the following information and documents to process your application:

  • Identity proof: driver’s license, state-issued ID, passport, citizenship certificate, birth certificate, social security card, or military ID (note: most lenders will ask for two forms of identification)
  • Proof of address: mortgage statement or rental agreement, proof of insurance (home, renters, or auto), utility bill, voter ID, property tax receipt, or account statement
  • Contact details of your employer: employer name, phone number and email address of supervisors
  • Proof of income (traditional job): pay stubs, tax returns, W-2s and 1099s or bank statements
  • Proof of income (self-employment): bank statements, tax returns or 1099

Personal lenders who offer loans of $50,000

You can get a $50,000 loan from a traditional bank or credit union. Online lenders are also an option, and many offer a simple application process and fast funding times.

APR range Loan amount range Minimum credit score requirement
LightStream 3.99% to 19.99% (with automatic payment) $5,000 – $100,000 660
SoFi 6.99% to 22.28% (with automatic payment) $5,000 – $100,000 680
Upgrade 5.94% – 35.97% (with automatic payment) $1,000 – $50,000 560
best egg From 5.99% (with term of 3 or 5 years) $2,000 – $50,000 660


If you have good or excellent credit, LightStream is worth considering. It offers some of the most competitive personal loan interest rates in the industry, and borrowers have the flexibility to choose the loan term and funding date that works best for them. Best of all, there are no origination fees and you won’t be charged a prepayment penalty if you decide to pay off the loan early. LightStream will also beat any competitor’s rate for a comparable personal loan product by 0.1 percentage points to win your business.


SoFi offers an innovative borrowing experience. You can see your rate in just 60 seconds without impacting your credit score and, if approved, receive the loan proceeds the same day. Along with its streamlined application process, SoFi also offers other benefits to its customers, including free access to financial education resources, financial coaches, and unemployment protection in the unlikely event that you lose your job. during loan repayment. You can also benefit from a reduced interest rate when you opt for automatic payment.


A $50,000 personal loan from Upgrade might be ideal if you have less than perfect credit. Most loans are funded within one business day and there are no prepayment penalties. You can choose a loan term of up to seven years and a monthly payment to suit your budget. Keep in mind that despite the flexible qualification criteria, you will pay origination fees between 2% and 8% to secure a loan.

best egg

If you have good credit, you can get a competitive interest rate on a personal loan from Best Egg. Loans are also available for borrowers with lower credit scores if their income is higher. You could be approved and funded the same day, and there are no prepayment penalties if you choose to pay off the loan earlier than scheduled. However, setup fees between 0.99% and 5.99% apply. If you select a term of four or five years, the origination fee will be at least 4.99%.

Costs of a $50,000 long-term personal loan

Ideally, you want a loan with a short repayment period and a low interest rate to minimize borrowing costs. Some borrowers choose an extended loan term to get more affordable monthly payments, but there are a few downsides. You’ll pay more interest because the lender will have more time to repay you (assuming you don’t repay the loan sooner). Also, longer term personal loans tend to have higher interest rates.

As an example, let’s say you get a $50,000 personal loan for 3 years with an interest rate of 10.5%. Your monthly payment will be $1,625 and you will pay $8,504.40 in interest over the life of the loan. But if you opt for a 5-year term and get an interest rate of 12.5%, your monthly payment will drop to $1,125. However, you will pay $17,493.81 in interest over the life of the loan.

At the end of the line

A $50,000 personal loan can help you achieve a financial goal or provide much-needed relief. Either way, be sure to evaluate lenders and consider the cost of borrowing before formally applying for financing. Most importantly, borrow only what you need to avoid racking up unnecessary debt and stretching your budget too much.

National Military Vehicle Museum to Host Colorado Military History Group July 2-3


(Dubois, Wyoming) – The National Museum of Military Vehicles will host the Colorado Military History Group in its museum near Dubois. The CMHG will present living history programs at the museum on Saturday and Sunday, July 2 and 3.

The volunteer re-enactors will represent American soldiers serving in the European theater of operations in the fall of 1944. Their small encampment will be open from 9:30 a.m. to 5:00 p.m. during this weekend. The CMHG will feature live soldier and tactical demonstrations continuously throughout the day and will host informal vehicle demonstrations of a restored World War II era Jeep.

The mission of the Colorado Military Historical Group is to preserve and represent military heritage, artifacts, and traditions through public and private reenactments, memorials, and commemorative events.

“The Colorado Military Historical Group, its mission and its programs are a perfect fit with our mission to honor veterans and their families,” said Doug Cubbison, curator at the National Museum of Military Vehicles and event organizer.

There will be no additional fees charged for this special military history event. Guests will be subject to the normal admission charged to access the museum. Veterans and active duty military are always welcome at no charge.

This event is the first living history program presented at the National Military Vehicle Museum which is open daily throughout the summer except July 4, when the museum will display many of its tanks and vehicles in the annual parade. of the city’s independence day.

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5 disasters deleted from your history books


The investigation following the disaster focused on bridge specifications, metal quality and craftsmanship. No one directed their attention to Nelson the Clown, who had disappeared just after luring the people of Yarmouth to their doom. In fact, there is no other trace of the clown. Besides faint ghostly laughter still heard along the Bure River, sometimes punctuated by happy horns.

A dam accident in the 1970s killed tens, if not hundreds of thousands, but China covered it up

China wanted to build a whole bunch of dams in the 1950s. In fact, they didn’t know anything about building dams, so they asked for help from the only country that never made a mistake during construction: the USSR. The blind leading the blind, they built the Banqiao Dam on the Ru River. They informally dubbed it the “iron dam” because they considered it unbreakable. “Even God couldn’t break that dam!” they would have said, if belief in God were not prohibited by law.

When you build dam systems, you build them to both hold water and mitigate flooding. The Banqiao Dam and surrounding dams in the area devoted much effort to the former, as Mao’s agricultural plan cherished water, but not so much to the latter. It worked quite well for a quarter of a century. Then came 1975 and a massive storm known as Typhoon Nina. Nearly 5 feet of rain fell, over the course of three days.


This damaged the whole area, especially the giant concrete numbers and letters.

The Banqiao Dam broke, and it broke 61 other dams by spilling its water towards them. It killed as many people as 100 Katrinas. We don’t even know the death toll for sure, but Human Rights Watch puts it at 230,000, a combination of people who first died when the water broke through a million homes and those who died in the famine that followed. The Chinese government then dropped supplies on the area, but they dropped about half of them directly into the water, so it sank before it could reach anyone.

How to Improve the Chances of Approval for a Personal Loan


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

Personal loans offer a flexible way to finance any type of expense, especially since loan amounts can be as low as $600 and as high as $100,000. The money can be used for everything from home renovations and debt consolidation, to funeral costs, wedding expenses, surprise medical bills and car repairs, among other big-ticket items.

If you’re considering applying for a personal loan but aren’t sure if you’ll be approved, there are things you can do to improve your chances. Below, Select details everything you need to know.

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1. Find a lender that meets your financial needs

There are personal lenders that cater to a variety of circumstances and financial needs. For example, although you may not think you qualify with a bad credit, some lenders actually consider applicants with a low credit score around 580 or 600.

Reached even accepts applicants with poor credit history – the company also considers those with credit scores of at least 600. At another lender, Paythe minimum credit score required to apply for a personal loan is 550, so you have a few options to work with.

Beginner personal loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

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

  • Loan amounts

  • Terms

  • Credit needed

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

  • Assembly costs

    0% to 8% of target amount

  • Prepayment penalty

  • Late charge

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

Repayment of personal loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation/refinancing

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

    0% to 5% (based on credit score and application)

  • Prepayment penalty

  • Late charge

    5% of the monthly payment amount or $15, whichever is greater (with a 15-day grace period)

Keep in mind that even though you may be approved for a personal loan with poor credit, you will still be subject to interest rates, usually at the higher end of the lender’s range.

If debt consolidation is your main reason for applying for a personal loan, some lenders also offer personal loans explicitly for this purpose. Marcus of Goldman Sachs even goes so far as to allow borrowers of this type of personal loan to have the funds sent directly to up to 10 creditors, eliminating the need to manually send the money yourself.

Marcus by Goldman Sachs Personal Loans

  • Annual Percentage Rate (APR)

    6.99% to 19.99% APR when you sign up for autopay

  • Purpose of the loan

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

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

If you have bad credit, it’s best to avoid lenders who only consider applicants with good or excellent credit if you want to improve your chances of being approved. It’s also a good idea to think about how you plan to use the loan. Many lenders will not allow you to use the funds for work or education expenses, for example, so do not apply to these lenders if that is your intention.

2. Increase your credit score

If you are interested in applying with lenders who require higher credit scores to receive a personal loan, you will need to work on improving your credit score if it is not already at the minimum.

Paying your bills on time is the single most important thing you can do to increase your score – payment history accounts for 35% of your FICO® score, making it the single most influential factor in determining a company’s creditworthiness. nobody.

You should also avoid applying for multiple new lines of credit at the same time, which can seriously hurt your credit score. Each time you apply for a new credit card or loan, the lender does a thorough investigation of your credit report, which “shakes” your credit and may temporarily lower your score. Make sure that if you decide to go ahead with a request, it is absolutely necessary for your finances.

It’s always a good idea to monitor your credit report for any inaccuracies, including instances where lines of credit have been taken out in your name that you weren’t aware of. This can be a very serious problem, especially since such errors and unknown lines of credit can lower your credit score by contributing to your utilization rate and debt ratio.

3. Don’t ask for more than you need

Many lenders will also consider the amount you request when deciding whether or not to approve your request. While some lenders, like SoFi and LightStreamoffer loans up to $100,000, it doesn’t mean you have to ask for the maximum amount.

Before submitting your loan application, think carefully about the exact amount you will need to borrow. For example, if you take out a loan to consolidate your debt, calculate exactly how much debt you will consolidate. Otherwise, you’re just taking pictures in the dark to figure out how much money you need to borrow.

Also remember that the more money you need to borrow, the higher your monthly payments will be and the more interest you will have to pay. A high monthly payment gives you less wiggle room in your budget, and while you can sometimes opt for a longer repayment term, it also means you’ll pay more interest over the life of the loan.

4. Apply with a co-applicant

A the co-applicant is a person who applies for the loan with you and is also responsible for repaying the full amount. Co-applicants are often referred to as co-borrowers and can usually be added to your personal loan application form.

Applying with a co-applicant who has a higher credit score than yours can help you get approved for a lower interest rate, and even help you get approved where you might not have. been considered otherwise. Indeed, it is common for lenders to analyze your credit history, debt-to-equity ratio, and other identifying information during the process to determine the loan amount, interest rate, and term of your loan. .

Having a co-applicant can be helpful if you don’t have enough credit history to get approved for a lower interest rate. It can also be useful if you need to withdraw a larger amount of money but don’t have a stable income.

Since co-applicants have the financial responsibility to repay what is borrowed, it makes sense that someone will also benefit from the loan. Maybe you and your spouse are finally ready to tackle that home renovation you’ve been putting off for years; in this case, you might consider having your spouse as your co-applicant. Or maybe you need more funding to take the next step with your business; if you have a business partner, that person will also benefit from the money and may therefore agree to be your co-applicant (provided the lender allows you to use the loan for that particular purpose). These are just a few considerations you should keep in mind when it comes to firing a co-applicant for a personal loan.

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

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

The National Museum of the Latino American announced a $5 million donation from Walmart


The Smithsonian’s National Museum of the Latino American received a founding gift of $5 million from Walmart to support the planning, design and construction of the museum and to help launch engaging virtual public programming. The company joins a growing list of companies, organizations and individuals who have provided significant support for the new Smithsonian Museum.

“We are grateful for Walmart’s commitment to telling deeper stories about the Latin American experience in the United States,” said Jorge Zamanillo, director of the National Museum of the Latin American. “With Walmart’s early support, the museum can plan and develop innovative ways to enhance the learning experience for future museum visitors.”

The National Museum of the American Latino will open the Molina Family Latino Gallery on June 18 at the Smithsonian’s National Museum of American History. The inaugural exhibition “¡Present! A Latin American History“, introduces visitors to key concepts, moments and biographies that illuminate the historical and cultural heritage of Latino Americans. The exhibit tells the stories of Latinas and Latinos who shaped the United States, and the gallery helps visitors imagine what they might see when the National Museum of the American Latino opens in its own building.

Walmart’s donation goes through the Walmart.org Center for Racial Equity and builds on the company’s longstanding support of the Latin American community.

“As the first Smithsonian museum dedicated to showcasing the contributions of Latinos and Latinas who have shaped the United States, the National Museum of the American Latino will play an important role in telling a fuller story of who we are as nation,” said Kathleen McLaughlin, executive vice president and chief sustainability officer for Walmart and president of the Walmart Foundation. “We share the Smithsonian’s belief that our communities are stronger when we embrace diversity, equity and inclusion and seek to appreciate more deeply each person’s history and lived experiences.”

About the National Museum of Latin American

The Smithsonian’s National Museum of the American Latino advances the representation, understanding, and appreciation of Latino history and culture in the United States. The museum provides financial resources and collaborates with other museums to develop scholarly research, public programs, digital content, collections and more. The museum’s Molina Family Latino Gallery will be the Smithsonian’s first gallery dedicated to the Latino experience. Legislation creating the National Museum of the Latin American at the Smithsonian was passed on December 27, 2020. Connect with the museum at latino.si.edu

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Should you finance the repairs of your home with a personal loan?


Image source: Getty Images

It might not be a bad idea, but there are other options to consider.

Key points

  • Many people cannot pay for home repairs directly.
  • If you need to finance a major repair, a personal loan could be a good solution, but it is not the only one.

Home repairs can happen when you least expect them. And sometimes they can be very expensive, so much so that you can’t just dip into your savings account and withdraw the money to cover their cost. For example, if your air conditioning or heating system breaks down, you could face repairs that could cost upwards of $10,000. And if you end up needing a new roof due to major damage, your bill could be just as high.

When you’re stuck with a home repair that you need to pay off over time, you have options. And the one you might want to consider is a personal loan. But is it the best choice for financing home repairs?

The advantage of using a personal loan

A personal loan lets you borrow money for any purpose, and the higher your credit score, the more likely you are to get an affordable borrowing rate. Personal loans also tend to close quickly, so you could easily have your money within a week of approval (and sometimes days). This comes in handy when you’re considering a home repair that needs to be done right away.

Also, when you take out a personal loan, you usually lock in a fixed interest rate on the amount you borrow. This makes your payments under this loan pleasant and predictable, and you won’t have to worry about them increasing over time.

Is there a better option?

A personal loan can be a great way to cover a home repair in no time. But before you go down that road, it’s worth seeing if you can borrow against your home.

These days, American homeowners have plenty of equity in their homes to operate as property values ​​are rising nationwide. And if you’re borrowing against your home, you might get a lower interest rate than you’d get on a personal loan.

That said, if you’re considering borrowing against your home, a home equity loan is better than a home equity line of credit, or HELOC. This is because home equity loans, like personal loans, come with fixed interest rates. The interest rate on a HELOC can be variable, and that’s not a good thing right now. With interest rates rising, if you buy a HELOC today, it could become more expensive to pay off over time.

What is the best borrowing choice?

If you have equity in your home, it might be beneficial to compare the interest rate you’ll get on a personal loan versus a home equity loan and see which is more competitive. Also, some people don’t like the idea of ​​borrowing against their home and prefer to take out an unsecured loan like a personal loan.

If you’re looking for comparable interest rates, a personal loan isn’t a bad bet. But a home equity loan could mean spending a lot less on interest, especially if your credit score isn’t the best, so be sure to weigh your choices carefully before deciding how you’ll finance a home repair.

The Ascent’s Best Personal Loans for 2022

Our team of independent experts have pored over the fine print to find the select personal loans that offer competitive rates and low fees. Start by reviewing The Ascent’s best personal loans for 2022.

Rewind in Delhi: How the National Museum of Natural History became a center for environmental activism in Delhi


In 1977, Asif Naqvi (68) was on a university trip to New Delhi when he first saw the National Museum of Natural History which was in its final stages of completion. Naqvi was then 24 years old and studying museology at the Aligarh Muslim University (AMU) after completing his master’s degree in zoology. “Whenever we think of museums, art and culture are the first things that come to mind. But here I was pleasantly surprised to encounter conversations about nature, conservation, evolution, etc. Naqvi said. “The first thought that came to mind was that now we biologists can also dream of being museologists.

After a brief interaction with the museum’s founder-director, SM Nair, Naqvi sat on the lawns of the museum where the iconic dinosaur replica once stood and thought how wonderful it would be to work in a space like this one. “I already had a fascination with Mandi House, being a theater enthusiast. I thought working at the Natural History Museum would suit both my cultural and intellectual interests.

About a year later, and six months after the NMNH opened to the public, Naqvi’s dream came true when he was hired as a museum assistant. “I was the happiest person. I used to work here during the day and do theater in the evening. This is also where I found my passion for the environment,” said Naqvi, who took his retired as Dean of the Faculty of Life Sciences and Chairman of the Department of Museology at AMU.

The idea for a natural history museum had been conceived six years earlier, in 1972, on the occasion of the 25th anniversary of India’s independence. The United Nations Conference on Human Development was held in Stockholm, Sweden that year and Indira Gandhi was one of the few country leaders to attend. Back in India, she proposed the construction of a natural history museum in New Delhi.

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The concept of natural history museums was then already well established in the West. However, in Delhi, the museum was to have a whole new meaning. “At the international level, the basic function of natural history museums was to establish large collections of geological, botanical and zoological specimens (insects, fossils, plants, birds, bones, etc.) and their preservation,” explained Naqvi. “But the NMNH’s mandate was to raise awareness through its collections, exhibits and activities of the need for environmental conservation.”

It is for this purpose that the NMNH opened its doors to the public on June 5, 1978, World Environment Day. It was established inside the FICCI building at Mandi House, where it remained until it was destroyed in a massive fire in April 2016.

Before the establishment of the NMNH, Mandi House was known as the cultural center of Delhi. But after the NMNH, Mandi House has also become a center for environmental activism. Naqvi recalled how some of the biggest names among environmentalists in India like Sunita Narain, Ashish Kothari and Sharad Gaur used to visit the museum for meetings and exhibitions. “In our canteen and halls, as well as in Triveni and the Sri Ram Center, we would sit and discuss issues affecting the environment,” Naqvi said.

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He said that because of the NMNH, even those who were not environmentalists, such as filmmakers and theater activists, became interested in the environment. A lover of theatre, Naqvi had joined the street theater group Jana Natya Manch, which at the time performed plays on social issues. “But being influenced by NMNH, I have written plays on environmental issues such as the Bhopal gas tragedy, ozone layer depletion, tiger poaching, pollution, etc.”

The 1970s and 1980s were the decades when environmentalism and nature conservation took root in India. Some of the greatest moments in the history of environmental movements in India like Silent Valley Movement, Chipko Movement, Appiko Movement and Narmada Bachao Andolan all started during this period. “The government was also starting to care about environmental issues and the establishment of the NHMH was part of the efforts to raise awareness about this,” Naqvi said.

The museum’s four galleries have been organized with the aim of telling a story with the environment in mind. Naqvi proudly remembers creating a very dear project on soil conservation. It was a large tree whose roots went deep into the ground. Above it was written in big bold letters, “the six inches of humus take millions of years to form”. “The message was that soil is the most important part of the ecosystem,” Naqvi explained.

From its birth until its last day, the museum organized daily film screenings and audiovisuals on the environment. Environmentalist Sharad Gaur, who was part of WWF India’s education team, recalled how the NMNH contacted them to produce an audiovisual on addiction and Delhi’s relationship with nature. The project titled “Delhi’s Debt to Nature”, shot by Gaur and produced by the WWF crew in the mid-1980s, was shown regularly in one of the museum’s theaters until around the early 2000s . “It showed how Delhi had developed from its natural origins, especially the Ridge and the Yamuna, and how it continues to be dependent on them and the need to protect them,” Gaur recalled. “It also showed the early effects of urbanization in Delhi, such as fly ash pollution, which was a big problem in the city in the 1980s and 90s, degradation of rivers and loss of natural forests. “

Gaur explained that the museum had a unique impact on Delhi’s social life. The NMNH was the first natural history museum in India to introduce a discovery room for children’s learning. “There was a small animal area where children could go and interact with harmless animals such as rabbits, guinea pigs, mice, etc. This was the first time that many young children were exposed to handling animals. animals,” Gaur said. He also recalled how visually impaired children were encouraged to touch and hold animal specimens like a tiger, a turtle, feel the texture of crocodile skin, or of different tree barks.”There is no institution today that does work that can replicate these experiences,” he said.

The current director of the museum, Naaz Rizvi, said that although the museum in its physical capacity has not been operating in Delhi since the 2016 fire, it has been actively carrying out several awareness campaigns, marches and plays in the NCR. “We did over 200 programs during the pandemic to raise awareness among children and we also opened our YouTube channel,” she said. The museum is also active in its four regional branches of Mysore, Bhopal, Bhubaneshwar and Sawai Madhopur. Their latest exhibition which started on May 22 at the Mysore branch is themed around Mahseer fish.

Speaking about NMNH’s recovery plans, Rizvi said, “Government of India has already allocated 6.5 acres of land for it. We are working on it and will announce its progress soon.

Find out who the National Museum of Australia has partnered with and why it’s so important


posted on

What do the National Museum of Australia (NMA), the home appliance brand Breville and First Nations artists have in common?

Marking a culinary journey that spans 65,000 years, they come together to produce a new exhibition that explores historical and contemporary ‘kitchen’ objects.

Celebrating one of the oldest food cultures in the world, An Indigenous Culinary Journey: Designed to Live, premieres in NMA’s new Lakeside Landing space to launch a partnership between four First Nations artists and Australian brand Breville.

Focusing on continuing to create cultural brands associated with Indigenous food culture by pairing traditional First Nations tools for living with modern kitchen objects, it explores the dynamism of an adaptive culture while fulfilling the Museum’s promise of bring Australian stories to life.

While the exhibit celebrates traditional objects used in food gathering and preparation such as grinding stones, cutting tools (flint), coolamons, fire sticks and baskets associated with First Nations food culture, it also unveils a new six-piece Breville collection..

Comprising a toaster, kettle, coffee machine, juicer, oven and bambino coffee maker, each Breville object is illustrated with signs of country and culture by artists from the Western Desert of Kiwirrkurra—Warlimpirrnga Tjapaltjarri ( Pintupi), Yalti Napangati (Pintupi) and Nikua (Yukultji) Napangati (Pintupi) and Sydney-based artist Lucy Simpson (Yuwaalaraay).

Combining ancient stories with the best of contemporary design, the collection brings a bit of country into people’s homes, creating the ultimate fusion of age-old Australian art and food culture.

Describing the exhibition as unique and “benchmark”, NMA’s Senior Indigenous Curator Margo Ngawa Neale said the importance of the partnership is not just to showcase Australia’s culinary journey, but also the high cultural and legal integrity in which it was made, including the partnership with Dr. Terri Janke, a Wuthathi/Meriam woman and an international authority on Indigenous cultural and intellectual property.

“This is a truly unique and benchmark way for a truly socially responsible Australian company to partner with First Nations artists and a cultural institution,” says Margo.

“These four artists have done something I call ‘Country Wrapped’ around these kitchen appliances and they get an astronomical sum for each appliance because they [Breville] didn’t ask them to decorate them, they asked “Do you want to put your country and your dreams on it?”, as they would if they had commissioned a painting.

Initiated and developed by Alison Page, a Wadi Wadi and Walbanga woman from the Yuin Nation who is part of the National Museum‘s Indigenous Reference Group and is currently Adjunct Associate Professor of Design at Sydney University of Technology and Founder of The Agency National Indigenous Design Fund, the Breville Art Project will be available for purchase by the public.

And with each artist owning the copyright to their work and receiving ongoing royalties for every product made, Breville donates 100% of its profits to the National Indigenous Culinary Institute of Australia, Indi Kindi by the Moriarty Foundation, University of Technology Sydney, and other initiatives supporting the creation of opportunities for Aboriginal and Torres Strait Islander peoplea significant partnership for both the brand and the artists.

“Breville does this to position and brand itself as an Australian company and does this in recognition of the First Peoples of this country,” says Margo.

“Living in the heart of homes, these once mundane devices, now shrouded in Country, are becoming cultural ambassadors.

Sharing Australia’s 65,000-year-old First Nations culture in a modern context, An Indigenous Culinary Journey: Designed to Live not only juxtaposes the idea that highly sophisticated objects of design provide the same service as traditional Indigenous tools, but also pays homage to the history (and future) of brand-making.

“Cultural branding is what we have always done since time immemorial. And we’ve evolved over time and some things stay the same, like the defining elements of culture that are important to us in our daily lives,” says Margo.

“To me, it’s no different than an Aboriginal painting on canvas in your living room…It’s a way to have Aboriginal art and culture at the heart of your home.”

Until Sunday August 7, the exhibition will tour internationally later in 2022.


What: An Indigenous Culinary Journey: Made to Live
When: until Sunday, August 7
Where: National Museum of Australia in Canberra
The Web: nma.gov.au

How to Get a $20,000 Personal Loan


You can use a $20,000 personal loan to cover almost any big expense, like a home improvement project, a wedding, or a medical bill. But before borrowing such a large amount of money, you should spend some time determining if it’s the right decision for you.

Before you take out a $20,000 personal loan, be aware of common eligibility criteria, where to find one, and how to estimate your total borrowing costs.

Taking out such a large loan is a huge financial decision. If you take on more debt than you can afford to repay, there could be serious financial consequences, such as:

That said, here are some scenarios where taking out a $20,000 personal loan could improve your financial situation:

Eligibility requirements vary, but lenders typically consider these factors when applying for a personal loan:

You can get a loan for this amount from several financial institutions, such as banks, credit unions, or online lenders. Here is a list of lenders that offer $20,000 loans to help you start your search:

APR range Loan amount range Minimum credit score requirement
Before 9.95% to 35.99% $2,000 to $35,000 550
SoFi 6.99% to 22.28% (with automatic payment) $5,000 to $100,000 680
LightStream 3.99% to 19.99% (with automatic payment) $5,000 to $100,000 Not disclosed
TD Bank 5.99% to 19.99% $2,000 to $50,000 Not disclosed


Avant specializes in offering unsecured personal loans to borrowers who have fair and less than stellar credit scores. If you qualify, your funds can be deposited into your bank account the next business day. The downside, however, is that Avant’s advertised rates are high – they range from 9.99% to 35.99%.


SoFi offers a wide range of loan amounts, has competitive interest rates, and charges no fees. Its loan amounts range from $5,000 to $100,000; interest rates vary from 6.99% to 22.28% (with automatic payment). To qualify, you will need good credit and a decent income. The minimum credit score requirement is 680; the minimum income requirement is $45,000 per year.


LightStream offers a wide range of repayment terms and loan amounts ranging from $5,000 to $100,000 and offers a low minimum interest rate of 3.99% (with automatic payment) to qualified applicants. Repayment terms range from two to seven years for most loans; and two- to 20-month home improvement loans, pool loans, and solar loans. If you need a large loan for these purposes, you can benefit from lower monthly payments.

TD Bank

TD Bank offers personal loans ranging from $2,000 to $50,000 with no origination fees, prepayment penalties or application fees. It offers competitive interest rates ranging from 5.99% to 19.99%. If you qualify, you can get loan funds deposited into your account within one business day. However, a major downside is that the loans are only available in 15 states.

Long Term Costs of a $20,000 Personal Loan

Your overall borrowing costs depend on several factors, such as your interest rate, repayment term, and fees charged by the lender. Common personal loan fees include origination fees, prepayment penalties, and late payment fees.

Choosing a lender that has minimal or no fees can lower your costs. You can also lower your borrowing costs by choosing the shortest term available. The trade-off is that your monthly payments will be higher.

For example, let’s say you take out a $20,000 personal loan at 8% and a loan term of three years. In this case, your monthly payment would be $627 and your total cost of borrowing would be $22,562.18.

In contrast, your total costs would be higher for a $20,000 personal loan with the same interest rate but a loan term of five years. Although your monthly payments would be lower — $406, your total borrowing costs would be higher — $24,331.67.

To estimate your total borrowing costs, use Bankrate’s Personal Loan Calculator.

At the end of the line

Taking out a $20,000 personal loan is a major financial decision. Before moving forward, first determine if you really need to take out such a large loan. Next, estimate your borrowing costs to see how much you’ll spend over the life of the loan. If you determine this is the right decision, be sure to compare personal loan rates and terms from multiple lenders to get the best deal.

Akshay Kumar says the history books have “less about Prithviraj Chauhan, more about Mughals”. Is he specific in his request?


Bollywood superstar Akshay Kumar has been heavily criticized on Twitter after he said history textbooks lacked information on Hindu kings and the education ministry needed to strike a balance.

Akshay Kumar plays the main character of the Rajput warrior king in the historical action drama Samrat Prithviraj alongside Manushi Chillar. The film will hit theaters on June 3. Image Courtesy: @akshaykumar/Instagram

Why are Bollywood stars prone to foot and mouth disease? After Ajay Devgn learned that Hindi was not our national language, it was Akshay Kumar’s turn.

Superstar Akshay, who hits the big screen on June 3 in Samrat Prithvirajwas heavily criticized after saying that children’s history textbooks are full of information about the Mughals but contain hardly any lines about Samrat Prithviraj Chauhan.

What did Akshay say?

Akshay Kumar did a massive promotion for his upcoming movie Samrat Prithvirajwhich hits theaters on June 3.

Akshay plays the main character of the Rajput warrior king in the historical action drama alongside Manushi Chillar.

During an interview about the film on Wednesday, Akshay lamented the lack of information about Hindu kings in history textbooks in India and added that the Ministry of Education should take notice of the matter.

In the interview he said, “It’s sad that we don’t know about our own kings.”

“There were only three or four lines about Samrat Prithviraj in the history books I read. Through this movie I learned a lot about him. I don’t think anyone else know him too,” he added.

“When I was talking about him (Prithviraj) to my son, he said ‘I know the British Empire, the Mughal Empire, but who is he?’ So it’s a sad thing that we don’t know about our own kings. There were only a few lines about Rana Pratap, Rani of Jhansi. But there are a lot of chapters about Mughals,” he said. -he adds.

The 54-year-old actor urged the Ministry of Education to try to strike a balance and introduce more of ‘our’ culture, the Hindu kings, into textbooks.

Akshay Schools Twitter

Shortly after the interview, people on Twitter reacted negatively to Akshay and asked him to clarify the facts.

One netizen wrote: “Clearly @akshaykumar never went to school in India or studied in NCERT textbooks. He had to be educated in the RSS shakhas.

Another Twitter user pointed out that the National Council for Educational Research and Training (NCERT) Class VII history textbook has an entire chapter on Prithviraj Chauhan.

A Twitter user also asked if Akshay was talking about textbooks in India or Canada, a mockery of his Canadian citizenship.

Others also latched onto an earlier comment he made about ‘education not being a priority’.

Mughals versus Hindu kings in textbooks

The representation of Mughal rulers vis-à-vis Hindu kings in history textbooks is not a new issue put forward by Akshay Kumar; in fact, it’s been going on for a few years now.

In July 2021, a research report by Director of the Public Policy Research Center (PPRC) Sumeet Bhasin, scholars Chandni Sengupta, Deepa Kaushik and Sanket Kate, titled “Distortions and Distortion of India’s Past: The Handbooks of history and why they need to change,” said the NCERT history books give “disproportionate attention” to Mughal rulers.

The report said there were on average 97 references to Emperor Akbar, 30 references to Shah Jahan, Aurangzeb and Jahangir each, compared to only eight mentions of Maratha King Chhatrapati Shivaji, and almost no references to Rajput Kings Rana Sanga and Maharana . Pratap.

Likewise, in 2017, the Class VII textbook was revised, removing large parts about the Mughals and Muslim rulers before them, including Razia Sultana and Muhammad bin Tuqhlaq. The textbook then kept Shivaji as the focal point of medieval Indian history.

This expanded his role as well as that of his family and the Maratha generals. On the other hand, the paragraphs about Razia Sultana (the first woman to rule Delhi) and the various eccentric decisions of Muhammad bin Tughlaq (moving the capital of the empire, replacing all the parts overnight) as well as the reign of Sher Shah Suri had all been abolished. .

Textbook controversies

The textbook debate is not limited only to the issue of Mughal rulers versus Hindu kings.

In Karnataka, there has been fierce controversy over the “saffronization” of books; the chapters on the revolutionary and freedom fighter Bhagat Singh, the ruler of Mysore Tipu Sultan, the social reformer Lingayat Basavanna, the pioneer of the Dravidian movement Periyar and the reformer Narayana Guru were reportedly dropped from the curriculum or severely curtailed.

Also, a speech by Rashtriya Swayamsevak Sangh (RSS) founder Keshav Baliram Hedgewar has been added to the X-class language manual.

With contributions from agencies

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Marcos will be sworn in as President of the National Museum


The venue once housed the Legislative Building which protesters surrounded to oppose the early years of Marcos’ father’s dictatorship

MANILA, Philippines – Ferdinand “Bongbong” Marcos Jr. will be sworn in as the 17th President of the Philippines at the National Museum on June 30, his side announced Thursday, June 2.

It is unclear whether the swearing-in will take place indoors or outdoors, but according to the new presidential leadership personnel secretary, Naida Angping, “the building and its surroundings meet our requirements for the inauguration of President-elect Marcos”.

“Preparations are already in full swing to ensure he will be ready by then,” Angping said.

Marcos was elected by 31 million people or an overwhelming 58% of the vote, the first majority president to be elected in the country.

historical place

The National Museum, located in the heart of Manila, has a picturesque white neoclassical facade with a flagpole in the center. The driveway and entrance to the museum are elevated.

Camp Marcos in a press release called it a “historic place.”

“Formerly known as the Old Legislative Building, it served as the venue for the inauguration of former Presidents Manuel L. Quezon (1935), Jose P. Laurel (1943), and Manuel Roxas (1946),” the official said. Marcos press release. .

Marcos’ father, the late dictator Ferdinand Marcos Sr., presided over the Senate as President of the Senate in the same building.

But when Marcos Sr. won a second presidential term in 1969, it was also where protesters gathered to oppose his leadership, marking the start of the first quarter storm or a period of civil unrest in the country.

A massive student rally surrounded the Old Legislative Building on January 26, 1970, the same facade that may have seen the son sworn in on June 30.

The first-term storm eventually led Marcos Sr. to declare martial law in 1972, a dark time for the Philippines but which the family had tried to rebrand as a golden age as part of a campaign to return to the power. Marcos Sr. abolished Congress through the 1973 Constitution, a railroad charter that was upheld by the Supreme Court in a decision still accused today of enabling repressive dictatorship.

If Marcos Jr were to be inaugurated in the old indoor session hall, it would still be in the shadow of his history padlocked in 1973 when his father abolished Congress.

The first plan was for Marcos to take the oath at the Quirino Rostrum, the same venue as the dictator’s inauguration. But the area is still home to several COVID-19 field hospitals.

“The safety and well-being of our employees is paramount. Thus, we have chosen not to disrupt the medical care of the COVID-19 patients who are accommodated there. That’s why we opted for the National Museum as the venue,” Angping said.

Who will administer the oath?

Usually, Supreme Court justices administer the oath of presidents — Bienvenido Reyes for Rodrigo Duterte, Conchita Carpio Morales for Benigno “Noynoy” Aquino III, Hilario Davide for post-EDSA II Gloria Macapagal-Arroyo.

Supreme Court spokesman Brian Keith Hosaka said Chief Justice Alexander Gesmundo’s office had not received any requests, “but I don’t know with the associate justices’ offices.”

Other government officials, including mayors and even barangay captains, are empowered by Republic Act 10755 to administer the President’s Oath. Rappler.com

Study: Personal Loan Utilization Differs by Credit Score | Global Affairs


High income and high credit scores don’t always go together, but when they do, it’s a powerful combination that banks love.

That’s according to research by LendingTree which showed that people with prime credit take out bigger personal loans — because they can.

The online lender also found that there are significant differences in how borrowers with high credit scores and those with low credit scores use money from personal loans, according to data collected on closed loans. on its platform between April 2021 and March 2022.

Borrowers with higher credit scores — 720 or higher on a scale of 300 to 850 — were more likely to use personal loans to make home renovations that would increase the value of their residence or start a small business. On the other hand, low credit borrowers have often used personal loans to pay medical bills and meet other immediate needs.

“This report is as much about earnings as it is about credit scores,” said Matt Schulz, chief credit analyst at Charlotte, North Carolina-based LendingTree. “There’s a big difference between taking out a personal loan to invest in a home or business and using a loan to stretch your monthly budget.”

A personal loan is a cash payment that can be used for just about anything. Some lenders ask borrowers what they intend to do with the money, but no one actually checks where the money is being spent. The bank only cares about being reimbursed on time.

High and low credit borrowers both take advantage of personal loans to consolidate consumer debt, but low-income and low-credit people more often use the borrowed money to cover the gap between their incomes. and their basic needs, according to local credit counselors.

“We’ve seen low-income clients use personal loans for things like college tuition and moving and relocation costs,” said Heather Murray, director of compliance and community relations at Advantage Credit Counseling, based in South Side.

Advisors at the nonprofit say Pittsburgh-area clients have taken out personal loans to pay for everything from their quarterly business taxes to divorce-related expenses.

“Now what we’re seeing is that customers with higher credit scores are using credit cards more because of the cost of day-to-day expenses,” Murray said. “Then they turn to personal loans to consolidate debt because they can’t stop using the cards. Once they get into that scenario, they start contacting us,” he said. she declared. “Usually when you’re in a place where you’re going into debt to pay off debt, it usually never works if you don’t change the behavior.”

When borrowers with high incomes and high credit scores come to take out personal loans, they tend to get big.

High-scoring borrowers have an average of $18,443 in personal loans, which is 122.2% more than the average amount of $8,301 taken out by consumers with scores below 720. High-scorers borrowing for improvements homeowners take out an average of $21,510 in personal loans.

However, the LendingTree study points out that the lower dollar amounts withdrawn by those in a lower income bracket are generally not by choice. In many cases, lenders will limit loan amounts for those with lower credit scores and then offer them extremely high interest rates.

Chris Chaney, vice president and financial adviser of Fort Pitt Capital Group at Green Tree, said wealthy people often prefer to borrow money for home improvements and cars if the loan allows them to keep their own money invested and to work for them.

“Our clients typically have a lot of assets and a lot of options,” Chaney said.

He said his clients – who typically have high net worth – always consult with him before taking on any debt, including personal loans, so he can consider all of their options and make a recommendation.

“I advise customers to use their cheapest money,” Chaney said. “So if you can borrow money at 1% or 2%, you don’t want to use the money you have which could make you more money over time. It’s expensive money .

“It may make more sense to use debt to buy a car and grow your money,” Chaney said.

Debt consolidation tops the list of personal loan uses for both higher and lower credit score borrowers.

“Personal loans are a great tool to help people not only save money, but also streamline their finances,” Shulz said. “Processing just one debt payment each month rather than four or five separate payments is a big deal, which is why people of all kinds use them that way.”

Low-scoring borrowers were more likely to use personal loan proceeds for experiences such as vacations and weddings that are meaningful to individuals but unlikely to generate more future income for the family.

But it might be acceptable in certain situations when it comes to some financial advisors.

“If an unsecured personal loan is your only option, I guess you have to do what you have to do,” said J. Victor Conrad, owner of Pinnacle Financial Strategies in Pine Township.

He said he doesn’t like personal loans because they tend to come with higher interest rates than home equity lines of credit. Her professional experience has been more related to working with clients who use their home equity for loans and obtaining better rates.

“My observation from 40,000 feet is that those with lower credit scores tend to have less secure finances,” Conrad said.

“Using more expensive personal loans for things like these purchases is probably only making their overall financial situation a bit worse – certainly not better and probably not even on the spot.”

History books have some lines on Samrat Prithviraj many chapters on Mughals Akshay Kumar


New Delhi, Jun 01 (PTI) The Ministry of Education must take cognizance of the contribution of Hindu kings and ‘balance’ their stories with those of Mughal emperors who are given more space in school textbooks, the ministry said on Wednesday. Bollywood star Akshay Kumar.
Ahead of the release of his film “Samrat Prithviraj”, a historical action drama based on the Rajput warrior king, Kumar said “it is sad that we don’t know about our own kings”.
“There were only three or four lines about Samrat Prithviraj in the history books I read. Through this movie I learned so much about him. ‘other also knows him,’ Kumar told PTI in an interview.
“When I was talking about him (Prithviraj) to my son, he said ‘I know the British Empire, the Mughal Empire, but who is he?’ So it’s a sad thing that we don’t know about our own kings. There were only a few lines about Rana Pratap, Rani of Jhansi. But there are a lot of chapters about Mughals,” he said. -he adds.
Kumar described his film, which was previously titled “Prithviraj” and was retitled last week following protests from Shree Rajput Karni Sena, as an “educational film set in a commercial manner”.
“I would like to appeal to the Ministry of Education to try (to bring) a balance and bring our culture, Hindu kings also in our textbooks,” Kumar said.
Kumar was in Delhi to promote his film and paid floral tributes at Qila Rai Pithoragarh, a complex in South Delhi housing a statue of Prithviraj Chauhan.
“Samrat Prithviraj,” produced by Yash Raj Films which released a statement on the name change, is directed by Chandraprakash Dwivedi.
Kumar said he was surprised when Dwivedi, known for directing the TV show “Chanakya” in 1991 and the score film “Pinjar” in 2003, approached him for the project. “I didn’t know if I would be able to pull it off or not. The way Samrat Prithviraj was portrayed in the history books, he’s a bit big. I don’t fit that (picture). But he was convinced that according to him, his imagination… he (Prithviraj) was an athletic person. I said let’s go,” the 54-year-old actor said.
He also weighed in on the “north versus south” cinema debate, saying he would rather talk about uniting the film industries across the country than comment on a non-issue.
“The two industries are one. The British ruled us for 200 years using ‘Divide and conquer’, we are dividing (our country) again by doing all these things. We are India. They are making films in their mother tongue, we are making films in our mother tongue.” We should talk about uniting. Let’s say Allu Arjun and I are making a film together or Shah Rukh and Vijay are working on a film. We wish for such things Not things like ‘They’re eating away at your (movie) stuff,’” he explained.
Responding to the recent controversy over India’s national language, Kumar said, “All languages ​​are national languages.”
“I am happy to speak my mother tongue (Punjabi), I think my mother tongue is the best. A Tamil person thinks his (language) is the best. I don’t understand what the debate is about. We are all in one culture, one country.
“All of a sudden there was a roar (furore) about it all and I didn’t understand what was wrong with us? After reading so many stories, we’re still fighting to say ‘my language is ok’, ‘this language is bad’. I just believe in just being together,” said Kumar, who is currently filming for the Hindi remake of the 2020 Tamil film ‘Soorarai Pottru’.
India has no national language. The Eighth Schedule to the Constitution recognizes 22 languages.
Kumar, who completed three decades in film last year, racking up a string of hits including “Sooryavanshi” and “Bell Bottom,” said he hopes to keep working.
“I just want to keep working until they have to take me down. I only know how to do this job. A lot of business opportunities come up but I don’t get into them a lot. I’ve made investments in some companies. That’s all I know.
“But I can’t run a business. There’s no point getting into something you have no knowledge of. In the next 30 years, I see myself working in this industry. I can’t go anywhere else.” , he added.
As a child, the actor said he was more interested in stories than studying.
“My parents used to tell me a lot of stories. Growing up, I watched movies and read comics about ‘Tarzan’. So my hero was ‘Tarzan’. I loved comics like ‘Amar Chitra Katha’ , ‘Mandrake the Magician’, ‘Bahadur’, ‘Ghost’, etc.”
“Samrat Prithviraj” also stars Sanjay Dutt, Sonu Sood and marks the screen debut of Miss World 2017 Manushi Chhillar. The film is due out on Friday. PTI RDS BK MIN

Nick Plummer will always be in the Mets history books


Mets rookie Nick Plummer’s first two major league starts produced the kind of stats people like to categorize as video game numbers.

In this case, if you were playing as Plummer in a video game, you might consider increasing the difficulty level.

Plummer was on his first starting lineup for the Mets on Sunday against the Phillies and then again on Monday against the Nationals. He went 4 for 8 (.500) with two homers, a double and five RBIs. The Mets also won both games, thanks in large part to Plummer. His first sepia MLB memory will always be the tying homer in the second deck against Corey Knebel, closer to the Phillies, in the bottom of the ninth inning. The 112.8 mph rocket was the hardest hit ball of the night for both teams, and with a nationwide ESPN audience tuned in, Plummer’s first Major League Baseball start was downright unlikely.

Few rookies get a Sunday Night Baseball moment like this, let alone hear a Big Apple crowd chanting their name like Plummer did as his hot streak erupted throughout Monday night’s game.

“It’s awesome,” Plummer said of the fan appreciation. “Francisco [Lindor] make me turn around. It was about every round, sometimes twice per round. That’s what you envision.

Plummer said after Monday’s game that he took time off when he was on the field. The ever-green-smiling shortstop made the new kid on the block take some time to soak it all in and remember to have fun.

“I’m pretty deadpan when I get between the lines,” Plummer admitted. “He made sure I don’t care. Ultimately, we’re here for the fans. Without them, we kind of have no jobs.

Plummer, a 2015 first-round pick by St. Louis from Brother Rice High School in Bloomfield Hills, MI, the alma mater of DJ LeMahieu, has spent his entire adult life in professional baseball. After seven years and five seasons of baseball in the Cardinals’ system — he missed all of 2016 after hand surgery, and the pandemic shut down minor league ball entirely in 2020 — Plummer was granted free agency. in November 2021.

After starting his career with horrible struggles at the lower levels, he finally reached Triple-A in 2021. Plummer posted a .267/.455/.440 slash line in 27 games for the Triple-A affiliate. Has Cards, but it wasn’t. t enough for St. Louis to keep it around. The Mets signed him to a one-year deal — his first-ever major league deal — and after he went 1 for 7 in spring training, the organization got him started the year. at Triple-A Syracuse. Prodigious power emerged there, as Plummer hit six home runs in 24 games before getting the call.

As is usually the case, Plummer’s first major league start was attributed to someone getting injured. When fan favorite Travis Jankowski broke a bone in his hand, the Mets needed someone to fill their fourth outfield role. But then Brandon Nimmo sprained his right wrist, and while he’s been able to avoid the injured list so far, he’s also been benched.

This gave Plummer the opportunity to not only start the Mets’ final two games, but also become the first player in club history with multiple homers after just two starts.

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“We’ve had guys who have fallen, guys who are going to be on the mend,” Plummer acknowledged. “It’s about passing the baton and moving the line.”

Once upon a time, Baseball America ranked Plummer as the eighth-best prospect in the Cardinals system. The Midwestern kid made 1,819 appearances on the board as a Minor League Cardinal, but never got to wear the iconic birds-on-bat uniform in the majors. In 2015, the newly drafted high schooler would never have told you he’d end up on the Mets, and even in his wildest dreams he couldn’t have imagined the last two nights he spent at Citi Field.

“You don’t write it,” Plummer gushed. ” Truly not. Maybe when you’re younger you think about hitting a grand slam, down three in the bottom of the ninth inning. But to actually be here – I’m just trying to play good defense, play behind my guys and put together really good batsmen – trying to keep it simple.

Hilariously, one of the simplest games in a batter’s game, a single, slipped past Plummer as he devastated the ball on Sunday and Monday. The clutch homer on Sunday preceded an RBI double and another homer in his first two at bats on Monday. It wasn’t until he became familiar with extra base hits that Plummer recorded his first MLB single, a classic line into center field from Nats pitcher Paolo Espino.

Plummer was asked after the match if he was disappointed he had to settle for a single after racking up exclusively doubles and home runs.

“No, we take them,” he said. “Every time they touch, we take them.”

The Mets will gladly take any hits they can get from Plummer. No matter what happens on the road, the baby-faced 25-year-old owns a few pages of team history in 2022.

Our American History from the National Museum of African American History and Culture (NMAAHC) honors General Colin Powell


The National Museum of African American History and Culture (NMAAHC) is proud to present the next page of Our American History, an online series for museum supporters. We offer these stories to honor and celebrate the African American experience, share an immensely rich history and culture, and inspire and support our community as we move into the future together, according to a press release. Release.

General Colin Luther Powell, our nation’s first African-American Secretary of State, was a revered military hero, four-star general, decorated veteran, and statesman. His accomplishments over his decades of military and civilian service, including being the recipient of the Soldier’s Medal, Bronze Star, Purple Heart, Congressional Gold Medal and two Presidential Medals of Freedom, among others, serve as a powerful testament and symbol of the fulfillment of the American promise.

It’s the quintessential American story, characterized by resilience, determination and a deep love of country. In forging his own path to success, Powell also shattered glass ceilings and paved the way for others in public service.

The son of Jamaican immigrants, Powell was born in Harlem, NY, in 1937 and grew up to value hard work and determination above all else. He grew up in the New York public school system and attended the City College of New York, where he majored in geology and explored the possibilities of a military career by joining the Army Reserve Officer Training Corps (ROTC) .

“…I saw those cadets in uniform, and I wasn’t very good at civil engineering…I was drawn to it. I liked the structure, I liked the discipline, I liked being with a group of young people who were like me with this same inclination towards military activity. And frankly, at City College and ROTC, I found another family. I was leaving my family in the Bronx now back with a different type of family, and I fell in love with it. I was a straight A student at ROTC.

— General Colin Powell

After graduating in 1958, Powell was commissioned as a second lieutenant in the United States Army. Over the next decade, Powell completed basic infantry, ranger, and airborne officer schools. He served as a platoon leader and commanded a company of the Fifth Infantry Division before being promoted to captain in 1962. In December 1962, Powell was posted to Vietnam as an adviser to a South Vietnamese infantry battalion. There he was injured and awarded a Purple Heart.

Returning home in November 1963, Powell completed the Advanced Infantry Officer Course and was promoted to Major in 1966. In 1968 Powell returned to Vietnam. He was decorated with the Soldier’s Medal for bravery after surviving a helicopter crash and, while injured, he single-handedly saved three other people.

After his military service in Vietnam, Powell pursued a master’s degree in business administration from the george washington University of Washington, D.C. During this time, he accepted his first of many political posts, serving as a member of the White House under President Nixon.

Powell has served in both Republican and Democratic presidential administrations. He joined the Carter administration in the Office of the Secretary of Defense, eventually serving as the senior military assistant to the Deputy Secretary in the late 1970s. Reagan administration, he served in the Pentagon as a senior military aide to the then-Secretary of Defense Caspar Weinberg.

In 1986, Powell was appointed deputy national security adviser. Three years later, in 1989, he became a four-star general and was appointed by the president George H. W. Bush as the twelfth chairman of the Joint Chiefs of Staff, the nation’s highest-ranking military officer, and the president’s principal military adviser. He was the first African-American president and the first president to earn his commission through ROTC. Powell remained in this position for the first few months of the clinton administration before retiring from the military in 1993.

He was appointed Secretary of State by the President George W. Bush in 2001, becoming the first African American to hold that position. Powell’s tenure was marked by the September 11 terrorist attacks and the start of the second Gulf War. He remained politically active after his retirement in 2005, notably endorsing barack obama for the presidency in 2008.

Colin Powell’s story is marked by youthful initiative and outstanding public service to the military, the American people, and the country as a whole. He received bipartisan support throughout his public career and embodied the determination, patriotism and democratic values ​​that are emblematic of our nation and, in doing so, cemented his legacy as an American hero.

Powell, who joined the Museum’s Advisory Board in 2010, has also been one of the National Museum of African American History and Culture’s strongest supporters. He and his wife, Alma Powell, are founding donors who have provided generous personal support to both the Museum’s capital campaign and the Living History Campaign Today to secure the future of the Museum. Powell has also agreed to be one of the Honorary Chairs of the Living History Campaign.

“[The National Museum of African American History and Culture] fills a gap that existed in American history for so many years…and now it’s here and it’s beautiful, it’s magnificent, and it’s unlike anything on the Mall…and I think the American people will love coming here and completing this part of our wonderful history of this great country.

— General Colin Powell

Powell was an invaluable member of our community. His determination, patriotism and character inspired many, from those he led in the military to those he served in government. Powell created his legacy by “achieving every day” and in doing so, left an immense impact on our nation’s history that will live on for generations to come.

How to Improve Personal Loan Applications: 6 Ways to Increase Chances of Approval


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

Before you take out a personal loan, read about 6 things you can do to improve your personal loan application and increase your chances of approval. (Shutterstock)

Personal loans can help cover a variety of unexpected projects and costs. The best way to get approved is to have good credit and a low debt-to-income ratio (DTI).

If you need a loan, these six tips can help improve your Personal loan apply and increase your chances of being approved for the funds you need.

Shopping around and comparing lenders is a good place to start before submitting an official personal loan application. Credible, it’s easy to view your prequalified personal loan rates from various lenders, all in one place.

1. Decide what type of personal loan you need

Personal loans are installment loans, which means you receive a lump sum of money up front and then repay the loan with fixed payments over an agreed term. But not all personal loans are created equal. There are many types of personal loans you can choose from, including:

  • Unsecured loans — These loans allow you to borrow money without putting anything as collateral to secure them. In most cases, you will need a higher credit score to be approved.
  • Secured Loans — Secured loans require you to provide an asset as collateral, such as your home or car. If you default on a secured loan, the lender has the right to seize your collateral.
  • Fixed rate loans — Fixed rate loans come with a fixed interest rate that does not change for the term of the loan. These loans make it easier for you to budget for your payments.
  • Variable rate loans — Variable rate loans have variable interest rates, which fluctuate with the market. Since these rates can go up or down, variable rate loans often bring uncertainty and can be difficult to budget for.
  • Co-signed loans — Co-signed loans are personal loans that you take out with a co-signer, such as a family member or close friend, who agrees to repay the loan if you default. If you can’t qualify for a personal loan on your own or want a lower rate, co-signed loans might be worth pursuing.
  • Joint loans — Joint loans can also increase your chances of getting loan approval and a better rate. These loans are very similar to co-signed loans, except that both borrowers can use the funds and are equally responsible for repaying them.
  • Debt consolidation loans — A debt consolidation loan combines multiple high-interest debts into one easy-to-manage loan. These loans can simplify the process of paying off debt and potentially save you money on interest since personal loans generally come with lower interest rates than credit cards.
  • Financing Buy now, pay later — With buy now, pay later financing, you can split online or in-store purchases into interest-free payments. You can use this type of loan to buy something right away with a minimal initial investment. But if you make a late payment, you may be subject to fees.
  • Payday loans — Payday loans are small, short-term loans that can help you wait for your next paycheck. You will repay them within two to four weeks. But you should only consider payday loans as a last resort. They come with fees and interest that equates to an APR of 400% or more, according to the Consumer Financial Protection Bureau.

2. Check your credit report

Your credit score is a three-digit number that gives lenders an idea of ​​how likely you are to repay the money you borrow. It is calculated based on your payment history, the number of accounts you have, the type of accounts, your credit usage (how much credit you use compared to the amount of available credit you have) and the duration of your credit history.

Lenders look at your credit score when they review your loan application. A higher credit score generally increases your chances of being approved and getting a better interest rate. By making payments on time and limiting the use of your credit, you can increase your score.

It’s a good idea to pull your credit reports from the three major credit bureaus at least once a year – you can do this for free by visiting AnnualCreditReport.com. Once you receive your reports, review them for potential errors, such as missed payments you didn’t actually miss or accounts you didn’t open. Dispute any errors you find with the appropriate credit reporting agency.

Visit Credible for compare personal loan rates from various lenders, without affecting your credit.

3. Improve your credit score

If you have a fair or bad credit scorehere are some things you can do to increase your score and increase your chances of getting approved for a personal loan:

  • Pay your bills on time. Even one missed payment can hurt your credit score. That’s why it’s important to pay your mortgage, credit cards, car loans, student loans and other bills on time, every time.
  • Pay off your debt. The lower your credit utilization ratio, the more likely a lender will approve you for a loan. By paying off your debt, you can improve your credit utilization ratio and, therefore, increase your credit score.
  • Do not close credit card accounts. Even if you no longer use certain credit cards, keep them open. It can increase the length of your credit history, which can improve your credit.
  • Limit new credit accounts. Only apply for new credit when you absolutely need it. Applying for too many credit accounts at once can hurt your credit score because it leads to difficult inquiries on your credit report and lowers the average age of your credit accounts.

4. Don’t borrow more than you need

While it can be tempting to ask for more money than you need to meet a financial goal, like a car repair or a kitchen renovation, it can do more harm than good. Since a larger personal loan will come with a higher monthly payment and affect your ability to cover other financial obligations, lenders will consider it riskier. This can make it harder for you to get approved for a loan.

5. Consider applying with a co-signer

A co-signer is usually a family member or close friend with a good credit rating and a stable income who agrees to repay your loan in the event of default.

For example, if you are applying with a co-signer because you are unemployed or your credit is poor, you may get approved for a loan that you would not qualify for on your own. You could also get a lower interest rate, which could save you hundreds or even thousands of dollars over the life of the loan.

While a cosigner can make your personal loan application more attractive to a lender, it’s important to consider the potential downsides of applying with just one. If you fall behind on your payments, you could put the co-signer in a difficult position and damage your relationship, as well as their credit. That’s why you should only apply for a co-signer if you’re sure you can repay your loan as agreed.

Additionally, it is difficult to remove a co-signer from a loan once the funds have been disbursed. Your co-signer may be stuck with responsibility for the debt for a while until you pay it off. Make sure the co-signer you choose not only understands this risk, but accepts it.

6. Find the best personal lender for you

There is no shortage of personal loans on the market. Take the time to shop around and compare a variety of products offered by banks, credit unions and online lenders. Look at their amounts, interest rates, fees, and any special perks they might offer.

It can help you find the ideal personal loan for your unique situation.

Credible, it’s child’s play to compare personal loan rates from multiple lenders without a firm credit application or any effect on your credit.

Jai Hindley enters the history books as Australia’s first Giro d’Italia winner


Jai Hindley sealed a historic victory on Sunday when the Bora-Hansgrohe rider became the first Australian to win the Giro d’Italia.

Three weeks and a day after leaving Budapest, Hungary, Hindley lined up at the start line of the final day’s 17.4 kilometer time trial through Verona with a 1:25 lead. on Richard Carapaz (Ineos Grenadiers). After riding an almost faultless race, Hindley snatched the maglia rosa from Carapaz’s shoulders on the penultimate high mountain stage on Saturday, before the 26-year-old clinched the leader’s pink jersey on Sunday.

Despite losing 7 seconds to the Ecuadorian on the final stage, won by Italian national time trial champion Matteo Sobrero (BikeExchange-Jayco), Hindley avoided repeating the 2020 edition by losing the jersey on the final day against eventual winner Tao Geoghegan Hart. In the end, Hindley wins with 1min 18sec, while Mikel Landa (Bahrain Victorious) completes the podium in third at 3min 24sec.

“It’s a nice feeling,” Hindley said. “I had a lot of emotions earlier today. I had in my mind what happened in 2020 and I wasn’t going to let that happen again. To get this win is really amazing. I’m really proud to be Aussie and bring this one home.”

Italian football legend Francesco Totti visits the National Museum of Egyptian Civilization


Totti entering the NMEC – Min. Tourism & Antiquities

CAIRO – May 29, 2022: The National Museum of Egyptian Civilization in Fustat received retired Italian player from AC Roma and the Italian national team Francesco Totti, on the sidelines of his current visit to Egypt to attend the Champions League final between Liverpool and Real Madrid.

MECP - Min.  Tourism & Antiquities
MECP – Min. Tourism & Antiquities

Totti was received by Ahmed Ghoneim, director of the National Museum of Egyptian Civilization. Ghoneim gave Totti an overview of the museum, the history of its creation and its unique archaeological collections that tell the story of Egyptian civilization through the ages. Totti toured the museum, which includes the central exhibition halls, the Egyptian Textiles Hall and the Royal Mummies Hall.

Totti in the NMEC - Min.  Tourism & Antiquities
Totti in the NMEC – Min. Tourism & Antiquities

During the visit, Totti expressed his happiness with this visit and the greatness of the museum’s unique archaeological collections.

For his part, Ghoneim confirmed that the museum’s reception of such important visits sends a positive image of Egypt and makes the museum a main part of tourist programs.

Max Hiroshi Yamane: Building Indigenous Relationships | Smithsonian Voices


Max Yamane in his fancy dance regalia and Virginia Richard are Head Man Dancer and Head Lady Dancer where they were responsible for leading the dances at the annual Tunica Biloxi Powwow in Marksville, Louisiana.
Photo courtesy of Max Yamane

Max Hiroshi Yamane was named after his grandfather Yamane Hiroshi, who was Nisei (second-generation Japanese American), meaning his parents immigrated to America and Hiroshi was born in America. Max’s grandfather, Hiroshi, owned a farm in King County, Washington, near Seattle. His grandfather Hiroshi’s family was from Yamaguchi Prefecture in Japan. After the Japanese bombed Pearl Harbor, hostility toward Japanese Americans escalated. As a direct result, President Franklin Delano Roosevelt signed Executive Order 9066 forcing his grandfather, his family, and more than 120,000 people of Japanese (Nikkei) ancestry living on the West Coast from their homes, jobs, and homes. life and force them to 10 prison camps across the United States. Minidoka, also known as Hunt Camp, was one such internment camp where Hiroshi and his family were sent. During his internment, the King County farm his grandfather Hiroshi owned was seized by the US government and is now Boeing Airfield. After the internment and the end of the war, his grandfather worked for the United States Postal Service.


1942.This photo was intended to be “like” a yearbook at a school, but was created for incarcerated Japanese Americans. The name of this book is the Minidota Interlude. Max’s grandfather, Hiroshi, is under the green arrow. Hiroshi’s mother is under the aqua arrow. Hiroshi’s younger sister is under the dark blue arrow.

Photo and text courtesy of Max Yamane

Max’s grandmother, Ogawa Tsuruyo, grew up in the town of Shiyogama, near Sendai, Japan. She lived in Tokyo during World War II. After the war, she left Japan to help care for her niece’s children in Moses Lake, Washington in the mid-1950s. It was her intention to return to Japan until she met the grand- Max’s father, Hiroshi. Together they moved to Seattle.


Grover and Max Yamane pose for a photo after graduating from James Mason University in Harrisonburg, Virginia

Photo courtesy of Max Yamane

Their son, Max’s father, Grover Kunihero Yamane, joined the United States Air Force and was stationed in Panama City, Panama, where he met Max’s mother, Jill, originally from German, Scottish, British and Dutch. While in the Air Force, his parents were stationed around the world. Max was born in Florsheim am Main, Germany and has a brother Miles Kunihero Yamane. When asked what his father taught him about his Japanese heritage, he replied, “I begged him to teach me things when I was a kid. But he never said anything. I only learned things when I visited my grandmother in Seattle, which unfortunately wasn’t often. Max added, “I learned a simple Japanese language, some mannerisms, and her experience of living in Japan during World War II from her.”

Due to Air Force postings, Max’s father moved his wife and two sons to San Antonio in 1997, then to Florida in 2001, then back to San Antonio in 2003. While in college circa 2007, Max attended the Crossroads Powwow in San Antonio. and became interested in native culture. The more Native people saw him at different social events, the more he was accepted by members of the local Native community. He found the native community of San Antonio very friendly and started asking questions about the art of fancy dancing. With the encouragement and support of his new Aboriginal friends, Max began dancing, a move that would change his life.

After graduating from high school in 2012, Max moved to Harrisonburg, Virginia to attend James Madison University and major in sociocultural anthropology. At JMU, he became involved in the Native student community and spent most of his free time with his new Native friends. He also began to continue dancing at events throughout the mid-Atlantic region and became interested in a new passion: Indigenous music.


Max (far right) leads the Baltimore Round Dance with members Zotigh Singers and Uptown Boys. This event was sponsored by Native American Lifelines/Urban Indian Health Services of Baltimore.

Photo courtesy of Dennis Zotigh

Max earned a BA from JMU, then enrolled at the University of Maryland at College Park to pursue a master’s degree in ethnomusicology. In his new location, he began singing with local drumming groups at powwows, political protests, and community events. He coordinated the University of Maryland Pow Wow which had not been held for many years. Seeing his potential and honest respect for native culture, he became like family to many natives in the DC, Maryland and Virginia area.

At the University of Maryland, Max began his master’s thesis titled “Songs to Soothe a Mother: Intertextuality and Inter Tribalism in Kiowa War Mother Songs,” which focused on how the intertextuality of Kiowa War Mother songs connects the Ethos and Martial Practices of Kiowa. reservation time to war in the 20th century. To do this, he moved to Oklahoma for the summer to research and learn directly from Kiowa Tribal Elders and Knowledge Holders. In Oklahoma, he stayed with natives who treated him like family and trusted him to record their cultural knowledge. Max’s new native parents approved of him and introduced him to important tribal elders to interview.

Kiowa Elder Delores Toyebo Harragarra shared her experience working with Max. “Our family met Max Yamane in the summer of 2017 at the Kiowa Language and Culture Revitalization Program community outreach event in Tulsa, Oklahoma,” she said. “Max was interested in Kiowa songs. We invited him to our home in Carnegie, Oklahoma for a visit and a discussion about his study of various Kiowa songs. Max is a very engaging young man, very respectful of Native American culture. Our family is very lucky to have met Max, he has endeared himself not only to our family but also to the other members of the Kiowa tribe.


Max Yamane (far left) in the winner’s circle after competing with other champion costume dancers at the annual Otoe-Missouria Camp Pow Wow in Red Rock, Oklahoma

Photo courtesy of Max Yamane

During his first summer in Oklahoma, Max went to powwows and competed in the Men’s Fancy Dance category. At powwows, he was invited to sit in various powwow drums by other southern plains singers. He quickly picked up songs from different tribes and learned to lead them. Over time, Max also started composing powwow songs. His talents were discovered by the singer of the famous powwow group Otter Trail. He was invited by the lead singer to travel with them for singing engagements all over Indian Country. After several summers of traveling, the Otter Trail singer gave Max one of Indian Country’s most prestigious gifts, his own personal song.

“My adopted son, Max, has already been asked to serve as the principal dancer for the Tunica Biloxi Powwow in Louisiana,” said Alexander Santos, lead singer of the Otter Trail Singers. “The greatest gift an individual can receive is their own personal song. So, I composed one for them to use for such an occasion. This song was made even more special with the lyrics added by Mr. Ralph Zotigh It’s a sign of someone who is loved and admired and that makes this song even more special.

The lyrics of this song are truly unique as they blend Max’s Japanese heritage including the Japanese language directly into a song that is sung at Native powwows. Part of the Japanese language in the song describes Max’s surname, when translated means “root of the mountain” or “foot/base of the mountain”.

Through his work on his master’s thesis, Max developed an interest in learning the Kiowa language. To acquire this knowledge, Max attends the Kiowa Language and Culture Revitalization Program twice a week. In this program, Max and Kiowa educators virtually meet with Kiowa elders to learn about language, customs and history. Max actively practices the Kiowa language while participating in this program and with his Kiowa family.

Beyond powwows and educational efforts, Max also works to assist tribes, tribal programs, and tribal organizations with special project grant opportunities as a contractor with Tribal Tech, LLC and their parent agency. , the Association for Native Americans (ANA) in Washington, D.C.

Young Brinson, Team Lead Program Specialist for Tribal Tech, LLC, had this to say about Max: “Max Yamane is a sought-after Program Specialist here at ANA. He is dedicated to serving his beneficiaries at all levels. and has been instrumental in various high-profile projects.” He is one of our Language Think Tank team members and always provides excellent insight into language resources and pedagogies. Max is what I’d like to call a recipient’s best friend considering everything he brings to the table. ”

Max has completed his M.A. and is currently a PhD candidate in Ethnomusicology at the University of Maryland with research interests in American Indian Southern Plains music and dance, powwow, Native protest music and language revitalization and music. Like other respected non-Indigenous researchers and scholars before him, Max’s curiosity, openness to learning, and deferential approach to relationship building allowed him to learn and record information directly from respected indigenous peoples.

Home equity loan vs personal loan


What is the difference between a home loan and a personal loan?

A home equity loan and a personal loan both offer one-time lump sum payments that must be repaid in installments over an agreed period of time. However, the main difference is that home equity loans are a specific form of secured loan in which the borrower’s home is used as collateral. Personal loans, on the other hand, may or may not be secured by collateral and are a much broader and varied category.

Since personal loans tend to have a less intensive approval process than a home equity loan, they can generally be quicker and easier to obtain. Although home equity loans generally take longer to be approved, they tend to offer a lower interest rate than a personal loan and potentially a higher loan amount. Before pursuing either option, however, it is important to consider the amount you need and the purpose of your loan.

Key points to remember

  • Both home equity loans and personal loans offer one-time lump sum payments to be repaid in installments over a specified period of time.
  • A home equity loan is a type of secured loan in which the borrower’s home is used as collateral, while personal loans can be secured or unsecured with collateral.
  • Personal loans tend to be faster and easier to approve, while home equity loans require a property appraisal and a longer application and approval process.
  • Home equity loans generally offer a lower interest rate than personal loans, but both generally offer lower interest rates than credit cards.
  • Both loan types can be used for a variety of purposes, although home equity loans can offer larger amounts, depending on the equity in the borrower’s property.
  • Interest payments on personal loans are not tax deductible, while interest payments on home equity may be if the loan is used to “purchase, build, or substantially improve the home. of the taxpayer guaranteeing the loan”.

Structure and purpose of the loan

In a home equity loan, money is borrowed using the value of your home (more specifically, the equity in your home) as collateral. The FTC defines home equity as “the difference between what you owe on your mortgage and the amount you could get for your home if you sold it.” This is why a home equity loan is sometimes called a “second mortgage”.

Many personal loans are unsecured, but there are secured personal loans that can be secured by collateral such as a certificate of deposit (CD), stock, vehicle, or savings.

Personal loans can be used for a variety of purposes, including consolidating credit card debt, paying off higher interest rate debt, major expenses (like a major appliance or vacation), or even establishing or improving your credit score.

Home equity loans can also be used for a variety of purposes, such as debt consolidation, large one-time expenses, or educational or medical expenses. Keep in mind that a home equity loan is a lump sum payment, so a home equity line of credit (HELOC) may be better suited to situations (like a long home improvement project or starting a business). a business) where a large amount of ongoing funding is needed, or money will be needed continuously over a period of time.

When considering which loan to access for financing in the specific case of home renovations or improvements, a home equity loan may be a better option than a personal loan. Indeed, in most cases, interest paid on personal loans is not tax deductible; however, home equity interest payments are – provided the home equity loan is used to “purchase, construct or substantially improve the home of the taxpayer who is securing the loan”.

Loan application and approval

Personal Loan Application and Approval

When applying for a personal loan, the following will generally be considered by the lender:

  • Your credit score and credit report
  • Your income and employment status
  • Any debt you may have (in particular, your debt-to-income ratio (DTI))
  • The interest rate permitted by applicable state law
  • Collateral (if applying for a secured loan)

The amount of the loan and the length of the repayment term are also important factors that will determine the interest rate of the loan. Personal loan amounts can range from a few hundred dollars to $100,000.

Keep in mind that personal loans may also include fees such as:

  • Assembly costs
  • Fees for processing documents and administrative formalities
  • Credit insurance (optional)
  • Disability insurance (optional)
  • Non-declaration insurance (for secured loans)
  • Late penalties

It usually takes between one and seven business days to get a personal loan, depending on the lender.

Home Equity Loan Application and Approval

When you apply for a home loan, a lender will calculate your loan-to-value ratio (LTV) or your combined loan-to-value ratio (CLTV) to determine the amount of money they will allow you to borrow. This calculation basically answers the question: if the house is sold, will it cover the amount owed by your original mortgage and this additional loan, and by how much? It is also an important factor in determining the interest rate for your loan. Usually, the lower your LTV, the lower your interest rate.

In order to determine the value of your home, there is usually an appraisal process, similar to that of a conventional mortgage. This may incur various fees and closing costs. Your income and credit history will also be taken into consideration. The maximum amount you can borrow is usually around 80% of the equity in your home. Keep in mind that most lenders have a minimum amount they will lend in this type of loan agreement, usually around $10,000.

Interest rate and payment terms

The interest rate of a personal loan can be fixed or variable, and can be lower than that of a credit card, but generally higher than that of a home equity loan (especially in the case of personal loans not guaranteed). In general, evaluate a personal loan interest rate by comparing it to the national average: if it is lower, it is a good sign. On a personal loan, the interest rate can vary from 6 to 36%, depending on your credit history.

The duration of personal loans can vary from around 1 to 5 years, sometimes more. It is advisable to choose the shortest loan term for which you can afford monthly payments.

Home equity loan interest rates are usually fixed and tend to be lower than personal loans and credit cards because the home is used as collateral. However, the risk here is that if the loan is not repaid, the lender may repossess and sell the home to cover the remaining debt. It also means that if the value of your home goes down, the amount you may owe will exceed the value of the home.

Home equity loan interest rates can range from 1.89 to around 11.75%, depending on the term and equity of the property and the borrower’s credit history, with the average being around 4 at 5 %.

Home equity loans can range from 5 to 30 years.

other considerations

When considering a loan, it’s important to shop around and compare the terms and offers offered by different banks, credit unions, and financial companies. Under the Truth in Lending Act (TILA), lenders are required to disclose the following information before signing any loan agreement so that consumers can understand and compare different offers:

  • The total amount you borrow
  • Amounts of repayments and their deadlines
  • How much does it cost to borrow money (called “finance charges”; includes interest and any fees applicable to the loan)
  • Annual Percentage Rate (APR)
  • Any penalties that may apply in the event of late payment
  • The consequence(s) of not repaying the loan and the actions the lender can take
  • Any penalties that may apply in the event of early repayment of the loan

Try using a loan calculator to get an idea of ​​how much you’ll end up paying.

Does a home equity loan have lower interest rates than a personal loan?

Usually, yes. On a personal loan, the interest rate can vary from 6 to 36%, depending on your credit history. For home equity loans, the interest rate can be as low as 1.89%, going as high as around 11.75% (depending on the term of the loan), with the average hovering around 4-5%.

Does a personal loan have lower interest rates than a credit card?

Personal loans may have lower interest rates than a credit card, but not necessarily. This will largely depend on the length and type of loan (secured or unsecured, for example) as well as the borrower’s credit history.

What is the difference between a personal loan and a home loan?

The biggest difference between a personal loan and a home equity loan is the structure – a home equity loan is a specific type of secured loan in which the borrower’s home is used as collateral. While both offer lump-sum, one-time payments, the amounts for each can vary and the approval process is different (usually much shorter, in the case of personal loans).

The essential

When considering a personal loan rather than a home equity loan, it’s important to consider whether either option is best for your financial situation (or whether another type of credit, such as a line of credit or a refinancing option, could be more favorable). Use a loan calculator to get an idea of ​​how much you’ll potentially be spending. Given the purpose of the loan and the amount you will need, research the best options between different lenders and make sure you understand the entire agreement and associated fees before signing anything.

Study: Personal Loan Market Sees Post-Pandemic Growth


The personal loan market is seeing a resurgence after slowing during the pandemic, according to a report released today by JD Power. The company’s 2022 U.S. Loan Consumer Satisfaction Study found that competitive rates, easy access and a variety of options have led to widespread consumer adoption of personal loans.

The study organizers highlighted four key takeaways from the results. Personal loans often provide lifelines for financially vulnerable people (38% of personal loan customers) to deal with debt, lower interest rates on current debt and lower monthly payments on existing debt. Lending encourages consumers to use other financial products, with 61% of lending customers likely to use their lender again. Advertising also plays a key role in attracting new customers to loan products, with 47% of consumers saying an advertisement prompted them to consider a personal loan. Additionally, the study revealed variations in how men and women respond to specific brand experiences. At the individual brand level, overall lender satisfaction varied by at least 25 points (on a 1,000-point scale) between men and women in more than half of the lenders in the study and by more than 50 points for almost a quarter of the marks.

Goldman Sachs’ Marcus received the highest customer satisfaction rating for consumer loans, with a score of 776 on a 1,000-point scale, followed by US Bank (757) and American Express (754).

Journey to the Sacred Mountain of Cambodia”


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A journey across three continents over 1,500 years arrives at the National Mall in Washington, DC. On view at the Smithsonian’s NMAA through September 18.

“Krishna lifting Mount Govardhan after the 2020 restoration (detail)” (c.600, southern Cambodia, Takeo Province, Phnom Da), sandstone, 203.1 x 68 x 55.5 cm (Cleveland Museum of Art, John L. Severance Fund, 1973.106 (photo courtesy Cleveland Museum of Art)

Revealing Krishna: Journey to Cambodia’s Sacred Mountain transports visitors to a sacred mountain in the floodplains of southern Cambodia. Visitors will encounter a monumental sculpture of the Hindu god Krishna lifting Mount Govardhan to protect his people from a torrential storm sent by an angry god. For the first time in modern history, the sculpture is explored in the context of its original environment, as part of a multi-religious landscape and literally embedded in a mountain. The life story of this sculptural masterpiece spans 1,500 years and spans three continents, with the newly restored Krishna unveiled through the integration of art, immersive video installations and an interactive design National Museum of Asian Art (NMAA).

satook, word of blessing pronounced at the end of the Cambodian prayers, is also the title of an original short film included in the exhibition. Directed by famous Cambodian American filmmaker praCh Ly, satook center for intimate conversations with survivors and diaspora of the Khmer Rouge genocide as they share their personal experiences and memories of their parents, and reflect on their communities and journeys of belief. The film also examines the contemporary meanings of ancient sacred sites in Cambodia and considers the diversity and complexity of religion in different locations in the United States.

Reveal Krishna is a themed exhibition featuring the recently restored ‘Krishna Lifting Mountain Govardhan’, undertaken by the curatorial staff of the Cleveland Museum of Art and funded by a grant from the Bank of America Art Conservation Fund. This project was made possible thanks to a cooperation agreement with the Ministry of Culture and Fine Arts of the Government of the Kingdom of Cambodia and in collaboration with the National Museum of Cambodia.

The show is part of The arts of devotiona five-year initiative at NMAA dedicated to advancing civic discourse and understanding religion, made possible by Lilly Endowment Inc.

To learn more, visit asia.si.edu.

The last

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Who discovered Eva Hesse?

Who discovered Eva Hesse?

A new exhibition focuses on Hesse’s works on paper and how they demonstrate the role of drawing in the famous sculptor’s process.

Stanford Arts hosts a virtual conversation with Amy Sherald and Calida Rawles

Part of the university’s Artists on the Future series featuring renowned artists and cultural thought leaders, this online event is free and open to the public.

Queering the Archive, Retracing One's History

The artists featured in Archival Intimacy examine the impact of colonial trauma on Asian Americans and seek ways to overcome it.

They tried to make a sexy movie about the Eiffel Tower engineer

Eiffel inadvertently portrays its protagonist not as a great man worthy of attention or praise, but as the Elon Musk of his time.

A path through modern and contemporary Armenian art delves into an often overlooked history

This illustrated guide offers readers a broad and accessible introduction to the evolution of modern and contemporary Armenian art.

Margaret Atwood protests book ban with fireproof copy of The Handmaid's Tale

The fireproof copy will be auctioned off to raise funds for PEN America.

NEA awards $91 million to over 1,200 arts organizations

Funded projects include an exhibition of contemporary and historical retablos and a residency that brings together glass artists with creators from other mediums.

Apply for the MFA Program in Book Arts and Printmaking at the University of the Arts

This rigorous, studio-based program in Philadelphia focuses on creating unique studio practices that synthesize the disciplines of printmaking, book arts, and papermaking.

Tagged: Exhibition announcements, Sponsored, washington d.c.

Bellurgan enters the history books


“It’s unbelievable,” said Richie Watters, manager of Bellurgan United Under-15s who made history by becoming the first Co Louth side to win a League side to win a Premier League title. National Cup.

he area around Flynn Park on the Cooley Peninsula where the team is based has been decked out in red and black flags since winning a coveted spot in the final.

Their Sunday dispatch was worthy of a Premiership side heading to an FA Cup final, with a Garda escort leading the three Bellurgan buses.

Local sports celebrities including Rob Kearney, Conor McCormick, Eve McCrystal, Paddy Keenan and Chiedozie Ogbene took to social media to support the guys, while the Cross Border Orchestra of Ireland dedicated the song ‘We Could Be Heroes to the team at their concert at Waterfront Hall in Belfast upon learning of their victory.

Richie, who had coached the team for three and a half years, said the team was really focused on winning.

“They were brilliant, a credit to everyone and it’s a big achievement for them because it’s usually clubs from Dublin or other cities that win the cup.”

When the final whistle sounded and the team entered the record books, it was an emotional occasion, not just for Richie and the jubilant young players, but for all who have been associated with the club over the years. years.

“There were people there like Paddy Lynch and others who had made the club what it is, who never thought they would see a day like this,” he said. said, adding that it was a poignant occasion for the family of the late Micky O.’ Connor.

For Richie, it was his last game with the team, as he moves on to work with the senior team next season.

“I took over the team from Sean Murphy, who had taken over from Darran Murphy,” said Richie, who has coached at Bellurgan for nearly two decades since leaving town.

“The joke was they wanted to win it for me.”

On their return from Dublin, the team celebrated their great achievement with a special reception at Ferguson’s, Gyles Quay.

However, it is now back to business for the players as they focus on the league, while the majority also have to think about their Junior Cert.

Richie thanked everyone who had supported the club, especially Dundalk Credit Union for their sponsorship and everyone who had donated to help defray the costs of the competition.

Flags for the Dead, Pooler, Georgia at the National Museum of the Mighty Eighth Air Force


flags for the dead

Honor given to the dead

Flags for the Fallen Seal

For Memorial Day, Georgia Museum places 26,000 48-star flags in memory of Eighth Air Force WWII casualties

POOLER, GEORGIA, USA, May 24, 2022 /EINPresswire.com/ — Flags for the Fallen, a public event for Memorial Day week at National Mighty Eighth Air Force Museum at 175 Bourne Ave., Pooler, Ga., May 26-30.

The museum will present the second annual Flags for the Fallen in which 26,000 48-star flags will adorn the museum’s Memorial Garden. More than 400 volunteers are expected from the Greater Savannah, Georgia area.

The US Army’s Eighth Air Force was activated in Savannah in 1942 and deployed to England. Between 1943 and 1945, during World War II, 26,000 Eighth Air Force airmen were lost.

A “Call of the Fallen Eagles” will be broadcast throughout the garden, call names World War II airmen of the Eighth Air Force by name, bomb or fighter group and date of death.

Eighth Air Force World War II veterans, men in their late 90s and early 100s, attend opening and Memorial Day ceremonies and other activities during the five-day event.

WWII re-enactors will perform ‘Women of the Eighth Air Force in England’ and re-enact mission briefings on Saturday 28 and Sunday 29 May. A panel discussion of Eighth Air Force World War II veterans is scheduled for Sunday, May 29.

A book signing on Sunday, May 29 at 2:30 p.m. EST with a century-old B-17 Flying Fortress pilot John “Lucky” Luckadoo and author Kevin Maurer for their new book “Damn Lucky: One Man’s Courage during the Bloodiest Military Campaign in Aviation History.”

In addition to the activities taking place at the museum, the Commemorative Air Force will be selling warbird rides on four World War II aircraft, including the “Texas Raiders” B-17 Flying Fortress, to Sheltair Aviation (FBO) from nearby Savannah-Hilton Head International Airport. May 26 to May 30. The warbird ride’s flight path will take the B-17 over the 26,000 48-star flags in the museum’s Memorial Garden several times a day.

The public can sponsor 48-star flags honoring fallen airmen for $10 each by texting 26K to 50155.

About the National Museum of the Mighty Eighth Air Force
The National Museum of the Mighty Eighth Air Force preserves for all Americans the stories of courage, character, and patriotism displayed by the men and women of the Eighth Air Force from World War II to the present day.

Jane Grismer
National Mighty Eighth Air Force Museum
+1 516-331-0212
write to us here

May 23, 2022 – Rates Rise – Forbes Advisor


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

Personal loan rates increased last week. However, if you are looking for a personal loan to finance a project, the purchase of a vehicle, unexpected bills or to improve your cash flow, it is possible to obtain a decent rate.

For borrowers with a credit score of 720 or higher who prequalified on Credible.com’s personal loan marketplace, the average interest rate on a three-year personal loan was 11.09% from May 16 to May 20. According to Credible.com, that’s a 0.24% increase from the previous week. The average five-year personal loan rate fell 0.62% last week to 12.56% from 13.18%.

The most qualified borrowers generally benefit from the best rates. In fact, qualified borrowers can benefit from a rate that is significantly lower than the average. The rate you receive depends on many factors, including your creditworthiness and the loans available from your chosen lender.

Related: Best Personal Loans

Average Personal Loan Interest Rates by Credit Score

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

How to Compare Personal Loan Rates

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

After your prequalification, the lender can provide you with an overview of your loan options. This snapshot typically includes loan rates, terms, and limits. To find the best loan for your situation, consider prequalifying with several lenders and comparing terms.

You are not guaranteed to be approved if you prequalify. Lenders always require you to submit a formal application and additional documents. After you submit your formal application, lenders typically perform a rigorous credit check, which can lower your credit score by one to five points.

Related: 5 personal loan requirements to know before applying

How to benefit from more favorable interest rates

Two quick ways to help you qualify for better rates is to pay off existing debt to help lower your DTI and improve your credit score. The interest rate you receive on a personal loan is based on a number of factors. This includes your overall creditworthiness, credit score, income, and debt-to-income ratio (DTI).

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

Calculate your personal loan payments

To see if this fits your budget, it’s important to estimate how much you’ll pay on a monthly basis and how much you’ll pay in interest over the life of the loan. One of the easiest ways to do this is to use a personal loan calculator. You will need the rate, term and amount of your loan.

For example, suppose you get a $5,000 personal loan with a term of five years at a fixed interest rate of 12.56%. You’d pay about $113 a month and about $1,759 in interest over the life of the loan, according to Forbes Advisor’s Personal Loan Calculator. All in all, you would pay $6,759 in total, which includes both principal and interest.

National Museum inaugurates the exhibitions “Syria: the cradle of civilizations” and “Objects borrowed from India” | Oman time


Muscat: The National Museum on Saturday inaugurated the exhibition “Syria: The Cradle of Civilizations” in cooperation with the General Directorate of Antiquities and Museums of Damascus, and inaugurated the “Objects on loan from the Republic of India” at the Museum of Oman and the World Gallery in cooperation with the Indian Embassy in Muscat.

The exhibition was inaugurated under the patronage of Her Highness Sayyida Mona bint Fahd Al Said, Deputy President of Sultan Qaboos University for International Cooperation and Deputy of the Board of Trustees of the National Museum, in the presence of Dr Lubana Mushawah, Minister Culture of Syria, Amit Narang, Ambassador of India to the Sultanate of Oman, and a number of people interested in cultural and museum affairs.

The inauguration ceremony included a speech by E. Jamal bin Hassan al-Mousawi, Secretary General of the National Museum, and. Dr. Labana Mushawah, Minister of Culture of Syria, followed by the speech of Amit Narang, Ambassador of the Republic of India to the Sultanate of Oman.

After the inauguration, an official session of talks took place between the Sultanate of Oman and the Ministry of Culture of Syria, during which the bilateral cooperation between the two countries was discussed, emphasizing the efforts aimed at developing relations in the cultural and museum fields and strengthening bilateral relations. relationship between the two parties. The Sultanate of Oman side was represented by His Highness Sayyida Dr. Mona bint Fahd Al-Said, Jamal bin Hassan Al-Moosawi and a number of officials from the National Museum. The Syrian side was represented by Dr. Labana Mushawah, and Idris Maya, Ambassador of Syria, and. Muhammad Nazir Awad, Director General of the General Directorate of Antiquities and Museums, and a number of the accompanying delegation.

Jamal bin Hassan Al-Moosawi, Secretary General of the National Museum, said: The preservation of Syrian heritage in the current exceptional circumstances is an urgent necessity that should not be postponed due to the important role that the cultural factor plays in the reconstruction and social detection. identity. This ancient heritage is a civilizational heritage that belongs to all humanity, going beyond the borders of Syria due to its exceptional historical, artistic, aesthetic and significant dimensions.

Jamal al-Moosawi added: “Within the framework of international cooperation and the preservation of material heritage, and on the basis of the agreement reached in (2019 CE) on a temporary loan of museum objects from the General Directorate Antiquities and Museums of Damascus, which were damaged during the period of the Syrian crisis for conservation purposes, and from the end of the year (2020) until the middle of the year (2021), (201 ) museum pieces were received in two batches, including the unique Palmyrene sculptures, in addition to artifacts from the Paleolithic period – Pre-Pottery A, the Bronze Age, the Umayyad Caliphate period, the Ayyubid period, the Mamluk period and the Ottoman period. During the first semester (2020), (9) Palmyra statues were preserved. Then, in the first quarter of (2022), the National Museum’s conservation and preservation team completed the restoration of (195) pieces of Syrian artifacts and the (9) Palmayrene statues. As the artifacts went through several stages of the conservation and preservation process, beginning with sterilization, documentation, and photography, and ending with restoration operations, ultimately the team’s efforts were successful.

For his part, Dr. Labana Mushawah, said: The exhibition “Syria: Cradle of Civilizations” is complementary to the numerous and continuous efforts of the Omani and Syrian sides, which began more than two years ago by loaning the National Museum from the Sultanate of Oman a number of well-known Syrian artifacts The cultural heritage of Syria exceeds 175 pieces, many of which have been restored, preserved and kept in the National Museum.

The National Museum of Oman and the World Gallery display artifacts on loan from the Republic of India. A book entitled “Tarikh-i-Kesari” which presents information on the history of Oman and Zanzibar, on loan from the National Museum of New Delhi, and a work of art from Fort al-Mirani in Muscat, on loan from the National Museum of Modern Art in New Delhi. The collection will be on display to all visitors until June 30, 2022.

Amit Narang said: “The common historical ties between the peoples of the Sultanate of Oman and the Republic of India span thousands of years, and the artifacts on loan from India reflect this common past and the continued cooperation between the two countries. This inauguration is the first step after the pandemic. We look forward to more similar cooperation opportunities in the future, because there are many things that can be shared between the two countries, not only historically but also culturally.We aspire to cooperate with the National Museum to establish more exhibitions of many arts of India.

The book “Tarikh-i-Kesari” by Muhammad Akbar Ali Khan is a rare visual and written record of the era of princely states in India, with thumbnails of their founders or current rulers, in addition to rulers whose states had close relations with the British Raj.

The book was published on January 1, 1877, in the Urdu and Hindi languages, with the support of “Anjamen Islamic Delhi” or the General Islamic Gathering, on the occasion of Queen Victoria’s accession to the title of “Empress of India”, which was announced in “Durbar Delhi” or the gathering of the court in Delhi.

The publication deals with the biographies of rulers, kings and princes, including Sultan Thuwainibin Said al-Busaidi (ruled: 56-1866 CE) and Sultan Barghash bin Said al-Busaidi (ruled: 70-1888 CE), whose two unique miniature paintings of the two sultans, listing their exploits and titles. It also goes over a detailed summary of Muscat and Zanzibar and their geographic locations, sources of income for both countries, and data on their armies. The book reports that the British government awarded 21 gunshots as a mark of respect and welcome to the Sultan of Muscat, Oman and the Sultan of Zanzibar, as they are the independent rulers of two fully sovereign states. According to what came in this book, which confirms the long history of the Omani political entity in its two parts, Sultan Thuwaini bin Said al-Busaidi is the only ruler in the Arabian Peninsula who enjoyed these ceremonies without anyone from other, according to what is said in this book, which confirms the long history of the Omani political entity in its two parts.

As for the oil painting, it embodies a view of Fort al-Mirani in Muscat by British artist Thomas Daniel, which dates back to the period of the al-Busaid dynasty (1229 AH/1814 CE). The painting is on loan from the National Museum of Modern Art in New Delhi (Republic of India).

Pre-Qualified vs Pre-Approved Personal Loan: Differences and Important Points to Note


When looking for a personal loan, you will likely come across terms such as pre-approved or pre-qualified. These indicate a special loan deal offered to you by modern lenders based on your qualification and whether or not you have an existing relationship with them. Such offers are very beneficial, especially if you have one from a top lender. In effect, it speeds up the loan acquisition process and may even negate the need for an application. However, many believe that the meaning of a pre-qualified loan and a pre-approved loan do not differ, the only variation being the terminology. A quick comparison of pre-qualified and pre-approved personal loan offers shows that while this is partly true, there are differences.

In fact, understanding what the pre-approved loan means and how it differs from its counterpart is key to avoiding common pitfalls. Moreover, by being aware of the distinctions, you can then identify the loan offers that suit you and borrow wisely. Read on to find out more.

What is the main difference between a pre-qualified and pre-approved personal loan?

Lenders usually do initial assessments to determine if you qualify for a loan. Based on the evaluation, they can make an offer. In some cases, when comparing a pre-qualified vs pre-approved personal loan, the distinction simply comes down to the definition of the lender. Some lenders may even confuse the two terms and use them interchangeably. This can complicate things and to minimize confusion, here is a breakdown of what a pre-qualified loan and a pre-approved loan mean and what those terms entail.

Pre-qualification is often considered the first step, in which the borrower can either consult the lender or use specific tools to find out whether or not he is eligible for the loan. In some cases, lenders may have special digital tools such as an eligibility calculator. Here, you just need to enter basic details such as your income, age, city of residence, employer, and monthly expenses. Accordingly, the tool will then calculate the amount you can claim. Note that any calculated results are only indicative and the lender may offer different terms or approve you for a lower penalty than you might be pre-qualified for. There is no guarantee that your loan will be approved.

On the other hand, the meaning of the pre-approved loan suggests that the borrower has progressed in acquiring the loan. Indeed, a pre-approved offer is extended by lenders after evaluating the profile of an existing client. Such an assessment is only possible because the borrower has an existing relationship with the lender and has submitted basic contact details as well as financial information. For example, if you have a Bajaj Finserv Pre-Approved Personal Loan offer, you can benefit from the sanction almost instantly, within 30 minutes*, and without having to submit additional documents or visit a branch.

Does your credit score impact your pre-approved or pre-qualified offers?

Your credit score will impact your loan offers, especially a pre-approved offer. For example, if you have a CIBIL score below 650, you may not qualify for a pre-approved offer from a top lender. However, if you have an excellent CIBIL score, 750 and above, these offers will be offered to you, and you may even benefit from advantageous conditions. Keep in mind that even with a low CIBIL score, you can get prequalified loan offers based on your income and other factors. Lenders are not required to offer you a loan based on your pre-qualification. You will need to apply for the loan and follow standard loan processes to get approved.

What are the important things to keep in mind when using such offers?

The most important thing to note is that these offers are not guaranteed and are subject to change. Typically, changes to your financial or credit profile will cause lenders to revise their pre-approved offers. So if you intend to avail a loan based on the pre-approved offer available, keep these tips in mind.

  • Continue to pay your current credit obligations on time to maintain a high credit score

  • Avoid big expenses and do not increase your debts

  • Don’t change jobs

  • Do not apply for new credit

Being pre-qualified for a loan helps you get an idea of ​​what to expect, but being pre-approved definitely gives you an edge. This is especially true if you qualify for a Bajaj Finserv pre-approved personal loan. Depending on your credit profile and existing relationship with the lender, you can avail a pre-approved loan of up to Rs. 10,000,000. Bajaj Finserv also extends the flexible term offer, which varies between 24 and 60 months, making it the ideal short-term offer. That’s not all, you can get the money in your account in just 30 minutes*.

Availing this offer is easy as Bajaj Finserv has a fully digital offer, where you can not only access and approve the offer online, but also authorize the disbursement. In some cases, you may be required to submit basic KYC documents, bank details and a void check to process the disbursement. To take advantage of this offer and enjoy instant financing without any hassle, check your pre-approved offer today.

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May 20, 2022

Senate passes bill to create panel to study establishment of national museum of Asian-Pacific history and culture


Democratic Sen. Mazie Hirono of Hawaii sought unanimous consent in the room for the Senate to pass HR 3525 – a bill to create a commission to study the potential creation of a National Museum of History and of the culture of the United States of Asia and the Pacific. There were no objections and the bill was passed.

“We have an opportunity to pass meaningful legislation to establish a commission to study the creation of a national museum of the history and culture of the United States of Asia and the Pacific,” Hirono said. before the bill is passed.

Hirono pointed out that the measure establishes an eight-person committee “equally appointed by majority and minority leaders of the House and Senate.”

“The commission will be comprised of individuals with expertise in researching, studying and promoting the history of Asian American Pacific Islanders,” Hirono said. “This commission will submit a report to Congress, in which case we should act.”

American communities in Asia and the Pacific Islands “have made significant contributions to American life, but despite these undeniable contributions, our communities have been largely excluded or erased from American history,” Hirono said in his remarks.

She went on to say, “While not invisible, AAPI groups are often pejoratively portrayed as outsiders: always the other, instead of people who have lived and contributed positively to this country for generations.”

The Hawaii Democrat added that these stories have helped “fuel xenophobia and racism.” She said the creation of this museum would help “combat these harmful narratives by sharing the history of AAPI on an unprecedented scale.”

Senate Majority Leader Chuck Schumer said he was “delighted” to support this “long overdue step” that will help establish one of the “greatest museums dedicated solely to telling the stories of Americans from Asian Origin Throughout History” in the nation’s capital.

Hershey’s Justin Rogers dives into the history books


(WHTM) – When Hershey’s Justin Rogers transitioned from competitive gymnastics to pole vault as a freshman in high school, he knew he had found his footing. And not just because he had a natural talent for it.

“Nobody’s really crazy enough to do it but me, so I immediately started seeing success because nobody else really wants to grab that giant pole and just run,” laughed Rogers.

Success is an understatement. Rogers admitted that when he started pole vaulting he thought he would be average and compete just for fun.

Three years later, what’s now fun for the senior is clearing 17-foot-1 to become Pennsylvania’s new all-time pole vault record holder. He achieved the feat earlier this month in a double encounter with Susquehanna.

“To think that no one has ever come before me has ever jumped higher is absolutely absurd to think about. I mean, I’m now the PA pole vault standard. It’s crazy to think that my name is written in history like that, but I’m really glad it is,” smiles Rogers.

Rogers’ new record leap breaks the 2018 mark set by Charles Dever by an inch.

“He electrifies the crowd and every game he’s focused, he’s determined and he’s always going for records and he never backs down,” said Hershey athletics head coach Kevin Stover of Rogers.

What’s even more notable is that Rogers broke the state record at the meet after competing in the long jump, 100 meters, and directly after running in the 4×100 meters relay. He knew his legs were tired, so his last energy came from an unlikely source.

“Sour Patch Kids on meetup day is my secret,” Rogers said. “I missed my first attempt at 16 (feet) 1 (inch) then the second one, I don’t know what happened but I had this sudden burst of energy. It must have been the Sour Patch .

“I swear my mind is completely offline. I have no idea what is going on. The moves do it on their own, but as soon as I complete the jump and push off from the top and I’m over a bar, it’s immediately like “oh my god” and I’m back to reality.

Rogers’ state record is the fourth highest jump in the nation so far this year. For the University of Virginia clerk, sometimes he can’t believe his new reality.

“I was recognized by our lunch lady today because she saw me on TV for the (John) Travers award and I was like ‘that’s absolutely nonsense, I’m sure I’m a pole vaulter a “pole vaulter”, laughed Rogers. “Being able to say I’m going to Hershey is a huge blessing. Great school system, great people, great community. To be able to represent well and do my best is absolutely amazing.

Not bad for a Hershey athlete who started pole vault from being average and having fun.

Rewriting the Golf History Books at the PGA Championship


Phil Mickelson wrote all kinds of stories winning the PGA Championship last time out. Alex Perry recalls a captivating last day at Kiawah Island

There was a fun story doing the rounds before the final day of last year’s PGA Championship. Brooks Koepka as a child said he found his way into the Masters parking lot and asked Phil Mickelson for an autograph. “He said no,” Koepka explained. “Probably the only child Phil ever turned down.”

When asked about it, Mickelson joked, “Yeah, well, he shouldn’t have been there. I told him that too.

This snubbed youngster grew up to be a chilling killer – on the golf course, that is – and one hot Sunday in Kiawah Island found himself with the opportunity to right Augusta’s wrongs ago. all these years.

Very few words were spoken on the first tee. A simple nod is often more than enough in these situations. “Please welcome our 2005 PGA Champion – Phil Mickelson,” the announcer said into his microphone. Mickelson’s beaming smile appeared and he tilted his cap not once, not twice, but three times.

He drove his tee shot into the first cut. Nothing too worrying.

“Please welcome our 2018 and 2019 PGA Champion – Brooks Koepka.” A small head bow. Koepka was, as always, not there to make friends. He crushed it in the middle of the short stuff. He then hit his approach at 12 feet.

Mickelson’s approach found the front of the green, then inexplicably failed to penetrate Koepka’s ball with his first putt.

He might have regretted his actions some 20 years ago when his one-shot lead turned into a one-shot deficit with only one hole completed. Karma tapped his shoulder.

Thirteen minutes into the final round and it was over.

Mickelson, 50 and looking to become the oldest major championship winner in golf’s 161 years, couldn’t keep up with a man 20 years his junior and already looking for his fifth – a number that would have seen him tied his rival.

But we’ll never learn, will we?

Mickelson was a behind on the second tee. By the time he came in third, he had two leads. Aren’t you amused?

Then, in the fifth, came the decisive moment. A moment that you felt you would revisit again and again for years to come. A moment that made you realize how good it is to find galleries.

Mickelson, having found the area of ​​sandy waste that borders the left side of the green, splashed it onto the small part of the dance floor he could see. One jump, two jumps, three jumps, inside.

It was Mickelson’s “oh my goodness” moment. Or, ultimately, “Oh my graceful.”

Mickelson would return that shot in the sixth and Koepka would equalize. But order was restored a few minutes later and Koepka’s challenge faded.

By the time they reached the 12th – it was here that Mickelson dropped three shots in two holes on Saturday to see his lead reduced from four to one – Lefty’s lead was five.

Mickelson drove his tee shot into galleries lining the fairway, and it led to an inexplicable sequence that saw a spectator pick up his ball.

Why they would do that at any golf tournament, let alone a major, is anyone’s guess. But it allowed Mickelson to joke with fans while they waited for a rules enforcer and ease any tension that might have been building up.

The upcoming 18 scenes were chaotic. A stark reminder of what we’ve been missing over the past few months. Not that Koepka liked them. “It would have been cool if I hadn’t had a knee injury and hadn’t been hit a few times in that crowd because no one really gave a fuck,” he said more late.

Mickelson closed his approach within a simple two-putt range and finished his round at par for a 1-for-73 for a 6-under 282.

In the end, the margin of victory was two over Koepka and Louis Oosthuizen – who bubbled well but never really seemed to want to charge. It was the South African’s fifth runner-up finish in major tournaments since beating his duck 11 years ago at St Andrews.

For our champion, however, victory brought all sorts of stories. It’s been well documented that he overtook Julius Boros as golf’s oldest major champion of all time, as well as breaking into the club of major sixes alongside Nick Faldo and Lee Trevino. On the men’s side, only 11 players have won more major tournaments than Mickelson.

But, perhaps most importantly for Mickelson, it resulted in a five-year exemption from the US Open. The one he so desperately craves.

The first of those ended in a tie for 62 at 11-over, 17 shots behind Jon Rahm, while – at the time of writing – Mickelson is taking a break from the game.

He already skipped the Masters and decided not to defend his PGA title. A decision has yet to be made on his Grand Slam bid at the US Open. He could not ? If he did, it would be pretty much the most Phil Mickelson thing ever.

Visit our dedicated PGA Championship website for news, features, tee times, TV schedules and more

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A high-level delegation from the European Investment Bank visits the National Museum of Egyptian Civilization


Part of the visit – Min. Tourism & Antiquities

CAIRO – May 17, 2022: CEO of the National Museum of Egyptian Civilization in Fustat Ahmed Ghoneim received a high-level delegation from the European Investment Bank.

This visit was part of the museum’s concern to receive public and important figures, as part of the series of visits it has witnessed since its opening in April 2021, to support all means of fruitful cooperation with all The parties involved.

Lamis Abdel Rahman, a member of public relations at the museum, gave the delegation a tour inside its halls, where they toured the Central Exhibition Hall, the Egyptian Textile Hall and the Royal Mummies Hall.

Abdel Rahman provided them with a detailed presentation of the history of the museum, the story of its creation, the scenario of the museum’s exhibition and the unique archaeological collections it houses which tell the story of Egyptian civilization through ages.

Part of visit 3
Part of the visit – Min. Tourism & Antiquities

Moreover, Abdel Rahman gave them an overview of the most important educational, cultural and societal activities provided by the museum in its role as a cultural beacon.

During the visit, the members of the delegation expressed their joy of the visit and their fascination with the unique archaeological collections, which are presented with the latest scientific methods to illustrate the development of Egyptian civilization throughout history.

Part of visit 2
Part of the visit – Min. Tourism & Antiquities

They also praised the museum’s architectural design and distinguished location, which convey a sense of comfort and calm, and make the museum a comprehensive cultural, educational and entertaining entity for all ages.

3 things to avoid when taking out a personal loan


Image source: Getty Images

Avoid them at all costs.

Key points

  • A personal loan can be a quick and convenient way to borrow.
  • If you’re going to get one, you’ll want to avoid high interest rates, high fees, and prepayment penalties.

When you need cash on the fly, there are several options available to you. You can build up a tab on your credit cards and pay it off over time, or you can leverage the equity in your home and borrow against it as a loan or line of credit. But another avenue you could take is to take out a personal loan.

There are several advantages to borrowing through a personal loan. First of all, you are not limited in how you use your money. If you want to take out a personal loan to start a business, you can. If you want to spend that money on a luxury vacation, that’s your prerogative too.

Also, personal loans tend to close quickly. Often, you will have your money within days of submitting your loan application. And in rare cases, you can even have your money the day you apply, or within 24 hours.

But while personal loans can be a great way to borrow, there are some pitfalls you’ll want to avoid when getting one. Here are three to keep on your radar.

1. High interest rates

Generally speaking, you will pay less interest on a personal loan than on a credit card. But that doesn’t mean personal loans are universally affordable. Ultimately, it’s up to each lender to set an interest rate for a personal loan, so if you don’t shop around, you could find yourself stuck paying more interest than necessary on the amount you borrow.

Of course, if you need cash on the fly, you might not have much time to do this shopping. But try to get at least a few quotes from different lenders so you get an idea of ​​what kind of interest rate is competitive given your situation.

2. High fees

Personal loans are not free. In addition to interest, you will usually be charged certain fees to set up a personal loan. Again, this is where shopping around could be to your advantage, because if a lender’s fees are particularly high, it could tempt you to take your business elsewhere.

As a general rule, the fees you pay on a personal loan should really not exceed 5% of the amount you are borrowing. If you are quoted a higher number, you may want to find a different lender.

3. Penalties for prepayment

Your personal loan can come with a generous repayment period. But what if your financial situation improves and you are able to repay your loan sooner? It’s an option you shouldn’t shy away from – that’s why it’s important to sign a personal loan agreement that doesn’t include a prepayment penalty. After all, why should it cost you extra money to get out of debt sooner?

When you need cash, it’s worth seeing if a personal loan is a good fit. But if you’re going to go this route, be sure to avoid these pitfalls along the way. All of them could end up costing you money unnecessarily, and that’s not something you want.

The Ascent’s Best Personal Loans for 2022

Our team of independent experts have pored over the fine print to find the select personal loans that offer competitive rates and low fees. Start by reviewing The Ascent’s best personal loans for 2022.

ATD22: another for the history books

ATD22: another for the history books

In ATD Handbook for Training and Talent Development, 3rd ed., Lorrie Lykins concludes Chapter 1, “The Evolution of Talent Development,” by calling on employers to recognize the importance of training to growing their business and strengthening corporate culture. She notes that talent development professionals are essential. She writes, “New history is constantly being created by this profession, and the easiest prediction for the future is that it will continue to change and evolve in areas we cannot imagine. You are more capable than most of not only imagining that future, but also courageously heading towards it, inspiring others to accomplish what might have seemed unachievable not so long ago.

As talent development professionals from around the world gather this week for ATD22, they are making history. They will learn about the latest industry and business trends, network, learn new skills, and explore real solutions and techniques for their key organizational and team challenges. Together they will generate new ideas.

Apryl Alexander-Savino, Senior Director of ATD Conferences, points out, “This year, the focus of the conference is ‘people. perspective. potential.’ So much has changed and continues to change in the way we work and learn. In developing programming for ATD22, we wanted to be a catalyst for the entire talent development community to connect, grow and develop, so they can return to work with new ideas and practical insights to make an impact even further. bigger in their organizations. and with their customers.

These are the reasons industry professionals have gathered for decades at ATD’s Global Conference & EXPO. In 1945, when ATD was the American Society of Training Directors, 56 people attended the first annual conference in Chicago, Illinois. Now, thousands of attendees are gathering in person and virtually for ATD22. In ATD’s “Welcome to the Future” blog post, John Coné, catalyst for ATD’s CTDO Next group, writes, “This is an incredible time for our profession. From now on, the future will be much closer and approaching even faster than before. But it’s great. It is the house.”

The sweetness of the hearth

Between 1945 and 2022, ATD has had many milestones with the International Conference and EXPO. For example, in 1980, 259 exhibitors joined the national conference in Anaheim, California. This is also the year that ATD (as ASTD) moved its headquarters to Washington, DC. In 1994, ATD renamed the conference International Conference and EXPO. In 2004, ATD welcomed participants from 79 different countries.

Most recently, more than 9,000 talent development professionals gathered in Denver, Colorado in 2012, a new attendance record at the time. The 2019 conference recorded the highest number of participants with 13,500 people. And while the past two years have brought disruption and uncertainty, ATD21 has brought a hybrid model for talent development professionals to come together, learn and grow despite the ongoing pandemic.

Alexander-Savino said, “It’s amazing to look back and see and hear what we’ve done together in the talent industry. It’s even more amazing to look ahead, immediately to ATD22 and beyond, to imagine the potential for how we continue to create a better working world. This week will provide you with many opportunities to learn, engage, connect and make history.

The Japanese American National Museum uses modern technology to tell personal stories of the hardships of Japanese WWII internment camps

DOWNTOWN LA (KABC) — A new exhibit in downtown Los Angeles uses modern technology to tell personal stories of the hardships endured in Japanese internment camps.

The visitors of National Japanese American Museum on Central Avenue will receive a grim education about the camps that forced many American citizens to be incarcerated during World War II.

It’s a new way to see and experience the sad history of the camps, with augmented reality bringing viewers closer to the struggle that so many Japanese-Americans faced.

“My mother ran a hotel. My family lost everything because they had to leave the hotel,” said Michi Tanioka, a camp survivor.

Most were just children when they were forced into the camps during World War II.

Artist Masaki Fujihata used old photos and new technology to bring their stories to life.

“It’s really important to give the visitor a new experience. The experience means the contrast between ordinary life and the events of the past,” Fujihata said.

Augmented reality allows visitors to walk through history, and exhibit organizers feel it can change perspectives.

“You see incredible photographs, remarkable for their scale and the power they have,” said UCLA professor Michael Emmerich.

The old cameras that took these photos are also there to view, which are further reminders of this sad chapter in American history.

“It’s an American story, they had their struggles, they didn’t give up on their American dream, it was their home,” said June Aochi Berk, another camp survivor.

For many, the wounds have healed, but there are scars.

Now they can be seen, and maybe even felt, in ways the exhibit organizers hope they will remember.

For more information visit the National Japanese American Museum website.

Copyright © 2022 KABC Television, LLC. All rights reserved.

You can’t erase racism from the history books


State Rep. Kimberly Fiorello (R-149) was speaking in favor of SB 350, a law establishing June 16 as a holiday. But as she spoke, she showed a dangerous misunderstanding of this history.

Fiorello was among many lawmakers who spoke on the last day of the 2022 legislative session in support of a Connecticut holiday on June 19, the date in 1865 when federal troops arrived in Galveston, Texas, and informed the slaves that President Abraham Lincoln’s 1863 Emancipation Proclamation had freed them. Only one legislator has spoken out against the holiday, opposing taxpayer funding of an additional paid day off for state employees. The bill passed 148-1.

Unlike every other speaker who supported the bill, including many black lawmakers who gave moving speeches about the significance of Juneteenth in the black experience and the historical significance of this emancipation day, Fiorello attempted to erase his darkness through his whitewashed version of the story. She objected to the focus on race, saying it was not about black history or race, but about equal treatment for all.

“Since I’ve been here, I’ve seen a focus on race that I think is unhealthy,” she said.

Since his first election in 2020, Fiorello has always had this attitude, voting against all bills that address racial disparities. Last year, for example, she voted against a bill that acknowledged racism was contributing to a public health crisis in Connecticut. She called the bill, which passed by a bipartisan vote of 114 to 33, “reprehensible.”

“This bill tells the world … that the state of Connecticut has a problem with racism in its public health,” she told “Fox & Friends.” “To me, this is a critical theory of race in our laws.”

Fiorello began his June 19 speech with Lincoln’s Gettysburg Address, using it as a springboard for alternate history. The U.S. Constitution required compromises, she said, regarding the Three-Fifths Compromise which counted slaves as three-fifths of a person. She claimed that this compromise was in the service of freedom, ultimately leading to the recognition of slaves as full people.

In truth, slaves had no rights, but were counted as three-fifths of a person for tax purposes and, importantly, for the representation of the slave state in Congress. This compromise not only gave the slave states more congressional seats and electoral votes, but also allowed for the expansion of slavery.

In Fiorello’s alternate history, the Three-Fifths Compromise was finally settled in favor of slaves during the Civil War when Lincoln delivered his Gettysburg Address in 1863. Lincoln freed the slaves, making them people apart whole, end of racism. No mention of the need for the 13th, 14th and 15th Reconstruction Amendments, nor of the reaction of Jim Crow, the Ku Klux Klan, the burning of black schools and churches, the lynching, the separate but equal laws which continued for another century, racism that continues today.

The backlash against Fiorello’s astonishing claims was swift. Lawmakers, white and black, weighed in.

Rep. Christine Palm (D-36) felt compelled to set the record straight, pointing out that the three-fifths compromise lacked the humanity that Fiorello claimed for it. Palm called this fact of our history unpleasant, ugly and true, also pointing out the truth that our founders only aimed at white landowners in their reference to all men as equals.

“Hearing people talk about disparity and discrimination and saying it has nothing to do with racism really breaks the hearts of some of us who are going through these disparities,” said Rep. Anthony Nolan (D-39) .

Fiorello’s whitewashing of the Three-Fifths Compromise and erasing of racism from the American historical narrative is consistent with a MAGA-inspired national agenda to censor truthful teaching about slavery and racism. This is happening in legislatures and school boards across the country.

The June 19 debate deepened our understanding of American history, alerting us to the racist danger of Fiorello’s narrative and committing us to the need to address the unfinished business before us, the traditional hearing of Lincoln’s appeal. at Gettysburg.

“This bill is an acknowledgment of how far we’ve come,” said the last speaker, Rep. Jason Rojas (D-9). “But sadly, this bill is also an acknowledgment of all that we need to do, and with that, I urge its passage.”

Alma Rutgers served in the government of Greenwich for 30 years.

JONES: Another Game 7 to go down in the history books for the Edmonton Oilers


7 games are extra exquisite, super special and great moments in sports. Teams want to avoid them because they can be such dice rolls, but when you hit them, they need to be embraced, cherished, and placed on pedestals in “I was there” memory banks.

Where will Sunday’s Game 7 in Edmonton Oilers’ Stanley Cup Playoff history end up in your personal ranking of the one you witnessed?

I will have had the privilege of being in the press box for all 11 Game 7s in Oilers history. In many different directions, they have all been memory makers.

• CALGARY 1984

Wayne Gretzky said he was obsessed with his first Game 7 all day. “I only thought of the questions. Where was I? Why didn’t I perform? It was the most critical game of my career so far. It was the most important game in the history of our organization. Gretzky grabbed the game by the throat and the Oilers won 7-4 and captured their first Stanley Cup.

• CALGARY 1986

On the back of a raw recruit, a dynasty died. On his 23rd birthday, Steve Smith effectively ended one of the greatest playoff series ever played. With the score tied at 2-2, Smith came out from behind his own net and attempted a pass down the ice, hitting goaltender Grant Fuhr with the puck entering the net at 5:14 of the third period. Calgary would win 3-2 to end an eventual five-game Stanley Cup streak.


The first game of Kelly Buchberger’s career, 21, was Game 7 of a Stanley Cup Final. Nervous? “If he had been a racehorse, we would have had to retire him,” said Craig MacTavish. The Oilers won 3-1. “The guy for us was Gretzky. Wayne showed why he’s the greatest player in the world,” coach Glen Sather said. But it was Flyers goaltender Ron Hextall, who made 40 saves in Game 7 in Edmonton, that won the Conn Smythe MVP Trophy.


Gretzky was sold to the Kings and the Oilers would meet the Kings in the second round. Mark Messier went out of his way to hit No. 99 early in the series. “It’s not really fun. It doesn’t seem right. I am godfather to his daughter Paulina,” Messier said. In Los Angeles, the Kings won Game 7, 6-3 to become the fourth team in history to come back from 3-1 to win a series.


Bill Ranford was a mess in goal for the Oilers in Game 1 and early in the first-round series. “He is not the first goalkeeper to have his problems. It’s up to Billy to fight back,” coach John Muckler said. Ranford played very well in a pair of 4-3 wins and the Oilers came home for Game 7 and won it 4-1. The Oilers won their fifth Stanley Cup and Ranford won the Smythe as playoff MVP.

• 1991 CALGARY

It’s one thing to win a Stanley Cup playoff game in Game 7. It’s another to put your name to a Game 7 like Esa Tikkanen did to win it. Tikkanen scored three goals including the winner at 6:10 of extra time. It would be the last time the two teams would meet in the playoffs in an Alberta battle.

• 1997 DALLAS

The following year, after Edmonton won twice in overtime in their first-round series against the Dallas Stars, and Todd Marchant won it in OT in Game 7 at Reunion Arena. Marchant broke in alone and fired a shot off former Oiler tackle Andy Moog for the 4-3 win at 12:26 OT. The Oilers had eight rookies in the game.


Opening the playoffs against the Avalanche, the Oilers looked set to come out early, but picked up big elimination wins in Games 5 and 6 only to find themselves in Game 7 at McNichols Arena. “I don’t think there was anyone who thought we were going to come here for a game and be four goals up,” Sather said of the 4-0 win.


It was the first time that two former WHA franchises advanced to the Finals and the first time that a Finals featured two teams that missed the playoffs the previous season. If Dwayne Roloson, GM goalkeeper Kevin Lowe acquired mid-season, hadn’t been injured in Game 1, it probably would have been the sixth Cup. A 4-0 win in Game 6 sent the Oilers to Game 7 in Carolina where they lost 3-1.

• ANAHEIM 2017

The Ducks won 2-1 in the Pacific Division Finals as the Ducks snapped a four-game losing streak in Game 7 at home at Honda Center. They hadn’t led at home in regular time since the first game. The Oilers squandered leads and lost two games in overtime. Edmonton has lost four of the last five games. “He shouldn’t even have made it to a seventh game, so you know it sucks to lose that one,” Oilers forward Milan Lucic said.

Copyright Postmedia Network Inc., 2022

Top 10 Places to Get a Personal Loan Online


Economic times have been difficult for most of us. It is often difficult to make the salary spread from one pay period to the next. When an unexpected event blows your budget for the month, you may wonder what to do to fill the void. One solution is to take out a personal loan online to help you through the tough times. It is essential to avoid predatory loan providers so as not to pay hundreds of percentage points on small loans. If you need to take out a personal loan online, it is essential to compare interest rates and contact the financial company that offers the most competitive rates. Most people with decent credit scores can save by comparing. Even if you have bad credit, but are employed, there is a loan for you. Here are the top 10 places to get a personal loan online.

10. Achieved

  • Rating: 4.5
  • Minimum credit score: None
  • APR: 5.39-35.99%

Nerd Wallet recommends Upstart for people with bad or no credit. Upstart offers online personal loans from $1,000 to $50,000. It is one of the best options for applicants with a short credit history. This is good for borrowers trying to build their credit. Upon approval, funds may be available within one business day. You can also use this company to consolidate your debts or send direct payment to creditors. You can also choose the repayment date for your loans or change the repayment date. The company charges an assembly fee. You must have a minimum gross income of $12,000 with full-time or part-time employment for 6 months or other regular income. You must be a resident of the United States with a valid mailing address, bank account, and valid email address. Loan terms vary from 3 to 5 years. At 36 months a 5.39% loan will cost you €2,285.74 for €1,000.

9. Lending Club

  • Rating: 4.5
  • Minimum credit score: 600 or higher (good to fair)
  • APR: 6.34-35.89%

Lending Club offers online personal loans to applicants with a credit score of 600 or higher. Loans range from $1,000 to $40,000. The company does a soft credit check when you pre-qualify and offers joint loan options if you have a co-signer. You can change the payment date to the most convenient due date. The company charges a set-up fee and you have two options of repayment duration. Lending Club is a reputable finance company with high ratings in the online personal loan industry.

8. Flow of light

  • Rating: 5.0
  • Minimum credit score: 660 or higher (good or excellent credit)
  • APR: 4.99-19.99%

Lightstream offers loans from $5,000 to $100,000 to people with good or excellent credit. The advantages of Lightstream loans are low interest rates with 0.5% discount for automatic payments and no fees. On the other hand, you must have a credit history of several years with no prequalification option on the website. It does not offer direct payment to creditors for consolidation loans. It is one of the best and cheapest loans for applicants with good to excellent credit.

7. Loan Point

  • Rating: 4.0
  • Minimum credit score: 600 or more
  • AVR: 7.99-35.99%

Lending Point is an online personal loan choice that is recommended for applicants with bad credit who need funds quickly. The interest rate is based on your credit score. The company offers loans ranging from $2,000 to $36,500. They do a credit check after pre-qualification and offer the option to change your payment due date. Funds may appear in your account one day after your loan is approved. The APR is high, so it’s not the best option for applicants with good to excellent credit. It is best for borrowers with bad credit or limited credit history. This company does not participate in co-signed or joint loans.

6. Find out

  • Rating: 4.3
  • Minimum Credit Score: Not listed on website
  • AVR: 5.99-24.99%

Investopedia recommends Find out as the best online personal loan provider for debt consolidation. The APR is reasonable compared to other online personal loans and you can receive your funds as soon as a day after approval. The company provides loans from $2,500 to $35,000. They advertise that the apps have no impact on your credit rating, so we assume they have no influence on your credit rating. They do not charge origination fees or administrative fees and they send payments to creditors on your behalf or deposit funds into your bank account. Loan terms range from 36 to 84 months.

5. Upgrade

  • Rating: 4.3
  • Minimum credit score: 550
  • APR: 5.94-35.97%

Upgrade is a lender that offers personal loans online to people with bad credit, who have a minimum credit score of 55 or higher. Loan amounts range from $1,000 to $50,000. The APR is based on your credit score. The company charges an origination fee of between 2.9 and 8% of the loan amount, but offers discounts for automatic payment. They also offer direct payment to creditors. Most loan funds are released within a day of loan approval.

4. Rocket Loans

  • Rating: 4.2
  • Minimum credit score: 580
  • AVR: 5.97-29.99%

Rocket Loans offers loans to applicants with a secure monthly source of income and a minimum credit score of 580. Loans of $2,000 to $45,000 are available, with most loan funds approved being released on same day. Rocket Loans are available to applicants in most states. The company charges origination fees of between 1 and 6% of the loan and does not send funds directly to creditors. They don’t offer a co-signer or joint program, but they are one of the fastest lending companies for those with bad to excellent credit.

3. Loans below 36%

  • Rating: 4.8
  • Minimum credit score: None
  • AVR: 5.99-35.99%

Loans Under 36% is a lending company that provides online personal loans to people with bad credit, limited credit history or those with excellent credit at competitive rates. The loans offered are based on personal income and can be up to $35,000. Borrowers can choose from loan terms between 3 to 72 month repayment plans, depending on the loan amount.

2. Loan Tree

  • Rating: 4.6
  • Minimum credit score: 350
  • APR: 2.49-35.55%

Top 10 Personal Loans recommends Lending Tree as one of the best loan providers compared to the sea of ​​lenders in the financial market. They are a lender that helps borrowers with bad to excellent credit, offering the most competitive rates based on credit history. Borrowers can choose from loan amounts up to $50,000 based on personal income with loan terms from 12 to 144 months. The company offers online personal loans to eligible individuals.

1. Credible

  • Rating: 4.9
  • Minimum credit score: 600
  • APR: 3.49-35.99%

Credible offers loans up to $100,000 for applicants with a stable source of income and a minimum credit score of 600 or higher. Submit a request to receive multiple offers from lenders. Loan terms range from 12 to 84 months. Interest rates are competitive and best for those with excellent credit ratings. Loans taken out through Credible do not affect your credit score. The application process is simple and upon approval, funds are released within 24 hours.

Percy Allum obituary | history books


In 1975, a 549-page book was published in translation by the Italian publisher Einaudi. Its original English title was Politics and Society in Post-War Naples; it came with a distinctive orange cover and its author was a British scholar from the University of Reading called Percy Allum. The book caused a sensation in Italy. A rigorous analysis of the workings of politics and society in Naples, it was written with verve, panache and crystal clarity. Most amazing of all, he was naming names.

Allum’s analysis of the political power structures used by the Christian Democracy Party and other groupings in this southern city, and in particular what he called the “clan” around the Gava family, and the “bosses” Silvio and Antonio Gava, sent shockwaves through Naples. and its political institution.

Allum, who died at the age of 88, showed with meticulous care how the vote and power were organized and how the patronage structures worked, linked to the political culture of the city, street by street, commission by commission, newsletter by newsletter. It was obvious to all that the Italian edition of Politics and Society would be controversial, so the translation was carefully watched, and there were fears that the Gavas would take the publication to court, which they never did. . Allum’s book made him a household name in Naples and drew the ire of Antonio Gava himself, who disparaged the British academic in interviews and reacted with irritation whenever the book was mentioned for the rest of his long political career.

How did Allum come to write such an extraordinary book, with its quotations from Mao and Stendhal, and its ironic use of proverbs, as well as sociological theory, history, political analysis and anthropology?

Allum’s professional life has encompassed a number of institutions and universities

Born in Thame, rural Oxfordshire, one of six children born to Doris (née Clark) and Robert Allum, he adopted the name Percy (instead of his first name, Peter) from an early age. He went to Downs School in Colwall in the Malvern Hills, where he was first inspired to draw by an art teacher called Maurice Feild. He would draw and paint for the rest of his life, exhibiting his work in France, Italy and the UK in subsequent years. To celebrate the New Year, Percy sent his friends hand-drawn cards.

Winner of a scholarship to Cambridge, he studied law and history there after his military service and also obtained a law degree. His parents had wanted him to join the family business (a laundry based in Thame) but a teacher had noticed his potential and insisted that he continue his education. His doctorate at Oxford with the Italian historian Christopher Seton-Watson was a pivotal moment and formed the basis of his book on Naples. Allum had previously spent time in Naples, learning Italian while living in the city as an English language assistant in the 1950s. In 1957 he met his future wife, Marie-Pierrette Desmas, in France. They married in 1961.

Allum’s professional life has encompassed a number of institutions and universities. He taught in Manchester, and from 1966 in Reading (where he never played the academic game, causing enormous delays in his promotion to the rank of professor, which took place in 1994), but also in Padua and in Naples, Paris and the Sudan. He was cultured and always aware of Italian and European politics, which fueled his teaching and later studies.

His masterful comparative textbook, Democrazia Reale, was written in Italian in 1991 (based on lectures he gave in Padua) and then published in English as State and Society in Western Europe. Once again, the clarity of his writing was able to combine high-level analysis, stories, an eclectic body of sources, ideas and passionate political positions, and deep and concrete research.

He was a leftist and often spoke out in favor of ethical positions in public life. At Reading, he was part of a wealthy group of Italianists who flourished there in the 1960s, 70s and 80s in the history, Italian and politics departments – such as Stuart Woolf, Paul Corner and Christopher Duggan . Later, he devoted years to another in-depth study of Christian Democrat power and culture, this time in northern Italy around Vicenza. This work has been published in a series of edited articles and books, often in collaboration with local scholars.

The great Italian novelist Luigi Meneghello was a key figure in the rise of Italian studies in Reading, and he wrote a fine portrait of Allum (Percy Agonistes) in his festschrift. Meneghello highlighted Allum’s “torrential” way of speaking, as he threw references, his long blonde hair flowing around his head, and his intense ability to debate and discuss current as well as historical issues.

With the support of Marie-Pierrette, whose devotion to her husband and their two children enabled her to write and travel extensively, and to spend time in archives and libraries, the Allums moved between France, Italy and the UK.

After his early retirement from Reading in 1995, Allum was appointed to a chair at the Università Degli Studi di Napoli “L’Orientale” in Naples, where he taught and researched for 10 years. It was a tumultuous time in Italian politics, and Allum was at the heart of political debates and issues, writing frequently and directly in Italian for the Italian daily newspapers La Repubblica and Unità, as well as speaking at numerous conferences and Congress.

His work had a profound influence on key figures in Neapolitan and national politics and society, for example the former mayor of Naples, Maurizio Valenzi, the Italian (and communist) president Giorgio Napolitano and a whole generation of magistrates and of judges who, thanks to Allum’s original writings on Naples, were able to engage in epic battles against the influence of the Neapolitan version of the mafia – the Camorra – in the 1980s, 90s and 2000s.

Later, in retirement from Naples, Allum continued to draw and exhibit his work, ranging from innovative cityscapes to intimate portraits and self-portraits. He suffered from dementia in the last period of his life.

He is survived by Marie-Pierrette, their son, Fabrice, and their daughter, Felia, and two granddaughters, as well as three sisters.

Percy Allum, scholar, b. July 22, 1933; died on April 28, 2022

The Weitzman National Museum of American Jewish History reopens to the public | CNN


3-year loans are still lower than the same period last year


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

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

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

For borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender between May 5 and May 11:

  • Rates on 3-year fixed-rate loans averaged 11.11%, down from 10.82% the previous seven days and from 11.98% a year ago.
  • Rates on 5-year fixed-rate loans averaged 13.13%, down from 12.83% the previous seven days and 12.88% a year ago.

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

3-year and 5-year fixed personal loan rates have increased over the past seven days. Rates for 3-year terms increased by 0.29%, while rates for 5-year terms saw a slightly larger increase of 0.30%. Despite these increases, 3-year loan rates are lower than last year at this time. Borrowers can enjoy interest savings now with a 3-year personal loan.

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

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

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

Personal Loan Weekly Rate Trends


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

For the month of April 2022:

  • 3-year personal loan rates averaged 10.69%, down from 10.36% in March.
  • 5-year personal loan rates averaged 13.36%, down from 12.73% in March.

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

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

Current personal loan rates by credit score


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

  • 8.42% for borrowers with credit scores of 780 or higher choosing a 3-year loan
  • 29.46% for borrowers with credit scores below 600 choosing a 5-year loan

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

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

How to get a lower interest rate

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

Increase credit score

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

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

Choose a shorter loan term

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

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

Get a co-signer

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

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

Compare rates from different lenders

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

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

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

About Credible

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

City Life Org – National Museum of the American Latino will open its first gallery dedicated to the Latino experience on June 18


Molina Family Latino Gallery and “¡Presente! A Latino History of the United States” will debut at the National Museum of American History

The Smithsonian’s National Museum of the American Latino will open the Molina Family Latino Gallery on June 18 with its first exhibition, “¡Presente!” A Latin History of the United States. The Latino Museum will open the gallery of the National Museum of American History at the Smithsonian and will offer exhibits and programs during the 10 years leading up to the opening of the museum building.

A press preview will take place on Wednesday June 15 from 8:30 a.m. to 12:30 p.m. followed by a public opening on Saturday June 18. Interested media can RSVP to [email protected] or [email protected]

“The Molina Family Latino Gallery is the first iteration of the National Museum of the American Latino,” said Jorge Zamanillo, director of the National Museum of the American Latino. “It will take 10 to 12 years to open a museum building, but the gallery gives the public a glimpse of the museum’s potential.”

As Molina Family Latino Gallery’s first exhibition, “¡Presente!” introduces visitors to key concepts, moments, and biographies that illuminate the historical and cultural legacy of Latino Americans. The exhibit also tells the stories of Latinas and Latinos who shaped the United States. Indigenous freedom fighter Toypurina, Mexican American labor leader César Chávez, Puerto Rican baseball player Roberto Clemente, Guatemalan labor organizer Luisa Moreno, Colombian American drag queen José Sarria and Cuban American singer Celia Cruz are just a few. historical and contemporary figures presented in the exhibition.

A companion website highlights a selection of oral histories, 3D objects, historical biographies and artifacts in the “¡Presente! ” exposure.

The 4,500 square foot gallery is designed as a space where multi-generational and cross-cultural visitors can celebrate and learn about Latin American history and culture year-round. The Molina Family Latino Gallery is rooted in universal principles of inclusive design to create a personally engaging and stimulating visitor experience for visitors with varying physical, sensory and cognitive conditions. Additionally, all content is available in English and Spanish. Audiences can experience how Latinos and Latinas have helped shape the United States and its national culture through historical artifacts, multimedia interactives, sensory experiences, and a learning space.

Ceiling-high display cases organized into four main themes line the perimeter of the gallery and display relevant historical artifacts, revealing documents, personal stories and interpretive graphics. Historical themes cover ‘Colonial Legacies’, ‘War and US Expansion’, ‘Immigration Stories’ and ‘Shaping the Nation’.

Eight-foot-tall interactive digital screens form El Foro (The Forum) at the center of the gallery where visitors can engage with 12 first-person oral histories of contemporary characters. Visitors can select stories via the touchscreen or an adjacent accessibility keyboard.

The Somos Theater offers visitors a contemplative space to watch the multimedia project “Somos” (“We Are”). The video installation was made by writer and filmmaker Alberto Ferreras. “Somos” is the first play commissioned for the theater and features a diverse group of Latinas and Latinos discussing identity, family histories and first-hand experiences.

MUSLE, or Mapping the US Latino Experience, provides visual representations of national demographics to tell the stories of the Latino experience in the United States. Visitors can activate one of four touchscreens to explore the 16 stories about income inequality, education, diversity and more. Graphs and other images illustrate important data points and convey stories of community organizations.

The General Motors Learning Lounge, a multifunctional studio within the Molina Gallery, will host presentations and hands-on activities. If necessary, the living room can be converted into a gathering place conducive to storytelling, podcasts and conferences. The General Motors Learning Lounge is part of the Latino Museum’s strategy to enhance lifelong learning and increase access to collections and resources spanning the arts, sciences, and humanities that are available through the Smithsonian, the Latino Museum and affiliated museums.

The Molina Family Latino Gallery was made possible through support from individuals, foundations and corporations, including a $10 million principal gift from the family of C. David and Mary Molina. C. David Molina was a California healthcare leader who founded Molina Healthcare Inc.

“This is a special year for the opening of the Molina Family Latino Gallery,” said Eduardo Díaz, acting deputy director of the National Museum of the American Latino. “25 years ago, the Smithsonian founded the Latino Center to increase Latino representation throughout the institution, which also helped pave the way for the Latino Museum. I am proud to have played a role in the development of the gallery and to have contributed to the inauguration of the new Latino Museum.

To complete the celebration of the opening of the gallery and to commemorate 25 years of Latinity (Latino culture) at the Smithsonian, two days of public events will kick off Hispanic Heritage Month in September, including:

Friday September 16: dance party
An evening event with live music, dance and interactive cultural experiences. The event will include pop culture activations and special docent-led tours in the Molina Family Latino Gallery. The event will include live musical performances and dance workshops. Culturally curated Latin cuisine and specialty beverages will be available for purchase. This is a free and paid event for ages 21 and older.

Saturday, September 17: Latin Heritage Family Day
An intergenerational festival with enriching educational offerings will feature hands-on activities and performances to celebrate 25 years of Latinity at the Smithsonian. The event will showcase Latino history, art and culture, showcasing various Smithsonian museums and cultural centers through activities and collections, as well as partner organizations in the Latino community. Family-friendly activities will include puppet theater and cooking demonstrations as well as pop culture and adult programs. The day will also spotlight Latinos in sports. It will conclude with an evening concert comprised of musical performances that capture the diversity of Latinityincluding urban musical traditions and salsa.

About the National Museum of Latin American

The Smithsonian’s National Museum of the Latin American advances the representation, understanding, and appreciation of Latin American history and culture in the United States. The museum provides financial resources and collaborates with other museums to develop scholarly research, public programs, digital content, collections and more. The museum’s Molina Family Latino Gallery is the Smithsonian’s first gallery dedicated to the Latino experience. Legislation establishing the National Museum of the Latino American at the Smithsonian was passed on December 27, 2020. A museum site search is underway and is expected to be announced by December 2022. latino.si.eduand follow @USLatinoMuseum on Facebook, instagram and Twitter.

Standard Chartered Personal Loan Review: Is SCB CashOne Personal Loan The Best?, Money News


Now that most pandemic restrictions have been lifted, the number of things we can spend money on has skyrocketed, from vacations abroad to clubbing sessions.

This may be the reason why there has been an increase in searches for personal loans recently. Ouch!

Now, we sincerely hope that no one takes out loans to go on vacation or open bottles of Martell in KTV lounges.

But if you really need a personal loan for a legitimate reason like a medical emergency or to consolidate your existing credit card debt, we’re going to look at the Standard Chartered (SCB) CashOne Personal Loan, which you might have heard of before. talk thanks to the bank’s aggressive marketing.

Are personal loans bad?

“Not all debt is bad,” says one of Standard Chartered’s marketing slogans. Technically, it’s true – an HDB loan isn’t bad, for example. But that doesn’t mean you have to take out loans whenever you want.

Monthly payments can really add up, and personal loans and credit card debt are considered high-interest debt that can bankrupt some people. Also be aware that some banks *cough cough* are clearly using shady marketing tricks to lure unsuspecting people into debt.

By the way, you should do thorough research and compare loans before deciding to take out a personal loan, as this is a long-term commitment and it could be a few years before you get it. repay.

Now that we have eliminated all that, here is the truth about SCB personal loan and how it compares to DBS personal loan, OCBC personal loan and UOB personal loans.

CashOne Standard Chartered Personal Loan Application Criteria

The SCB personal loan is called CashOne.

To qualify for the loan, you must meet the following criteria:

  • From 21 to 65 years old
  • Singapore and PR citizens: minimum annual income of USD 20,000
  • Foreigners: minimum annual income of $60,000, must hold a valid Singapore Employment Pass

SCB Personal Loan Application and Approval Time

You can apply online with the following documents:

  • Copy of NRIC or Passport
  • Last computerized payslip or last statement of CPF contribution history for the last six months
  • Income Tax Notice of Assessment (if you wish to be considered for a higher loan amount)
  • Employment Pass (foreigners only)
  • Proof of address (foreigners only)

If you are an existing customer with no change in income/employment as per SCB records, congratulations! You do not need to provide supporting documents.

In theory, SCB offers instant approval of loan applications made online or through their mobile app. However, if the bank needs more information from you, you may have to wait until one business day for your request to be assessed.

SCB personal loan interest rate (2022)

SCB currently offers interest rates starting at 3.48% per annum, which equates to an effective interest rate (EIR) of 6.95% for a loan term of one to five years.

You must also pay an annual fee of $199 in the first year, which will be deducted from your approved loan amount.

These interest rates are very competitive, with local banks UOB and OCBC charging significantly more at this time.

If you want to double-check interest rates, use MoneySmart’s personal loan comparison tool to see what different banks offer for your desired loan amount and term. Remember that the interest rate and TIE vary depending on the amount and term of your loan.

StanChart CashOne Personal Loan Interest Rates vs DBS, POSB, OCBC, UOB

Suppose you need to borrow $10,000 and plan to pay it back over three years.

Here is a comparison chart for you to see how Standard Chartered’s personal loan would compare to that of local banks.

Interest rate RIE Monthly payment Total amount to pay
Standard charter 3.48% 7.99% $307 $11,044
DBS/POSB 3.88% 7.9% $310 $11,164
OCBC 5.43% 11.47% $323 $11,629
UOB 3.4% 6.42% $306 $11,020

If you can afford it, always go for the shorter term, as the total amount of interest you will have to pay over the years will be lower. Banks often try to impose longer loan terms on you, such as five years. Don’t fall for the trap, because you’ll end up paying for it in the long run.

Using MoneySmart’s personal loan comparison tool, you can determine the interest rate and total amount to pay for your loan amount and term.

Standard Charter Personal Loan Promotions

Standard Chartered currently offers the following personal loan promotions:

Get $100 to $2,400 back when you take out a personal loan of at least $10,000 with terms of three to five years by June 30, 2022.

JumpStart account holders get up to $2,688 cash back upon approval of a personal loan of at least $5,000 with a term of three to five years by June 30, 2022.

SCB Personal Loan Calculator

Want to know exactly how much you will have to pay per month and at what interest rate? You can use The SCB Personal Loan Calculator at the top of this page.

Alternatively, you can use MoneySmart’s Personal Loan Calculator, which not only shows you your monthly repayments and interest rates, but also shows the processing fees.

Here are the key parameters you need to consider:

  • Monthly repayments – Shows how much you have to pay each month in installments
  • Total Repayable Amount – This is the total amount of money, consisting of the amount borrowed + interest payments, that you will repay over the life of the loan.
  • Applied/Effective Interest Rate – This is the actual interest rate you will pay when all fees and charges are taken into account.

Paying your monthly installments in full is important! If you don’t, you’re slapped with a $100 late payment fee. Ouch! Not really nice when you are already in debt!

You can pay your monthly installments through online banking, through the Stanchart mobile app, or through AXS and ATMs. But the easiest and most convenient way is with GIRO – this ensures that you will never miss a payment, as it will be automatically deducted from your savings account.

What happens if you find a stash of money hidden under your bed and decide to pay off your loan early? You can, but you will have to pay an early redemption fee of $150 or 3% of your outstanding principal, whichever is greater. Once the loan is repaid, your account will be closed.

Standard Chartered CashOne Personal Loan vs SCB Credit Card Funds Transfer vs Debt Consolidation

Debt consolidation is a different beast from personal loans. Instead of borrowing new money, you simply transfer your existing debt from various other loans or credit cards to a single loan, usually to take advantage of lower interest rates.

SCB credit card funds transfer works the same way as debt consolidation, but only applies to credit card debt. So you can transfer your debt from other cards to an SCB plan. It makes your life easier because you only have to pay one credit card bill instead of juggling several.

As you can see, the CashOne personal loan is quite different, in that it allows you to borrow new funds, which you will then pay off in addition to your debt from any other loan or credit card.

Be careful with personal loans

If you’ve read this entire article, chances are you’re seriously considering getting a personal loan. Here’s yet another reminder that personal loans are for needs, not wants, and due to high interest rates, they should never be taken out for anything that isn’t absolutely necessary.

So if you have a medical emergency or your fridge breaks down, you can take out a personal loan to avoid going into credit card debt. But for everything else – vacation, shopping, party, wedding, baos, etc., you just have to save.

ALSO READ: Everything you need to know about debt consolidation loans in Singapore

This article was first published in MoneySmart.

Many J&K freedom fighters disappeared from the history books: LG – Jammu Kashmir Latest News | Tourism

The Lieutenant Governor addressing the National Seminary.

Excelsior Correspondent

Srinagar/Jammu, 9th May: Lieutenant Governor Manoj Sinha today addressed the National Seminar on Independent India and Jammu and Kashmir under the “Azadi ka Amrit Mahotsav” organized by the Central University of Jammu and the Indian Council of Social Science Research (ICSSR), in virtual mode.
In his remarks, the Lieutenant Governor underlined that “Azadi ka Amrit Mahotsav” is a golden opportunity for retrospection, paying tribute to the imposing patriots of ideas and ideals and the determination to build the India of their dreams.
Emphasizing the need to awaken the new generation and sensitize them to the rich saga of Freedom Struggle, the Lieutenant Governor reiterated the government’s commitment to incorporate the stories of bravery and sacrifice of all these immortal heroes and saviors of Jammu -Cashmere in the educational program. .
“Many Jammu and Kashmir freedom fighters, who played a significant role in the country’s struggle for independence, have disappeared from the history books. It is a collective responsibility of society to recognize their supreme sacrifice and restore the honor of our ancestors, the Lieutenant Governor said.
The Lieutenant Governor observed that the contributions of the people of J&K in the struggle for freedom must be immortalized. He called on the intelligentsia, historians to engage in research on the life and struggle of great freedom fighters who made invaluable contributions to independence.
The footprints of the sacrifices and contributions of great personalities like Sarvanand Kaul Premi, Giridhari Lal Dogra, Maqbool Sherwani, Brig. Rajendra Singh, Prem Nath Dogra, Kanta Wazir, Ghulam Nabi Mir, Hakim Abdul Rashid, Prithvinath Kaul is a great motivation for present and future generations to work on new ideas for self-reliant India, self-reliant J&K and to strengthen the resolve of “Ek Bharat Shreshtha Bharat,” noted the Lieutenant Governor.
“We must take inspiration from our glorious past and resolve to build a prosperous Jammu and Kashmir which will be both an economic powerhouse and a major contributor to Aatma Nirbhar Bharat,” the Lieutenant Governor added.
The Lieutenant Governor is also highlighted for conducting research on the great female leaders of Jammu and Kashmir who have made their invaluable contribution during the country’s freedom struggle.
The stories of Nari-Shakti, a voice of morality and patriotism, will encourage and inspire the new generation, he added.
The Lieutenant Governor commended the Vice Chancellor of Central University of Jammu and all associate members for organizing the National Seminar and hoped that the deliberations would help highlight the selfless sacrifice of unsung heroes.
Various other speakers explained on this occasion the historical perspective of the role of J&K and its people in the struggle for freedom and the cultural significance of the region.
Dr Sanjeev Jain, Vice Chancellor, Central University of Jammu; Teacher. Rajneesh Kumar Shukla, Vice Chancellor, Mahatma Gandhi Antarrashtriya Hindi VishwaVidyalaya, Wardha; in addition to other dignitaries, faculty members and academic researchers from CUJ attended the seminar.

Japanese American National Museum Mourns Mineta | Local News

LOS ANGELES – The Japanese American National Museum is deeply saddened by the passing of an extraordinary leader, friend and Chairman of the Board of JANM, the Honorable Norman Y. Mineta. Secretary Mineta was 90 when he died Tuesday, May 3, 2022 at his home in Edgewater, Maryland.

More than 30 years ago, volunteers invested in the vision of a museum that would preserve Japanese American history and American democratic ideals for future generations. This vision was embodied in the life and career of Secretary Mineta. He served on the board of directors from 1988 to 1995 and was chairman of the board of directors from 2010 to 2015. A director since 1996, he was chairman of the board of directors since 2015.

Secretary Mineta was born on November 12, 1931, to Kunisaku and Kane Mineta in San Jose, California. The Mineta family was forcibly removed from their home and incarcerated along with 120,000 people of Japanese ancestry for the duration of the war. The family was first held at Santa Anita, a racetrack and temporary detention center in Los Angeles, and then at Heart Mountain Concentration Camp in northwest Wyoming during World War II.

“Heart Mountain taught me that we must be vigilant about upholding our democratic ideals, not vigilantes. A life in public service has taught me that we must work across the aisle to defend these ideals for everyone,” Secretary Mineta said on Memorial Day 2022 commemorating the 80th anniversary of Executive Order 9066.

Secretary Mineta represented his hometown of San Jose in the House of Representatives for more than 20 years. The first Asian American appointed to a presidential cabinet, he was appointed Secretary of Commerce under President Bill Clinton in 2000 and selected Secretary of Transportation by President George W. Bush in 2001, a position he held until 2006. He was awarded the Presidential Medal. of Freedom in 2006, America’s highest civilian honor, and in 2012 Secretary Mineta received the Distinguished Medal of Honor from JANM.

As JANM looks to the future, the museum will always remember Secretary Mineta, whose accomplishments inspired the Asian American community and uplifted the nation.

“Norm helped steer and elevate JANM to national prominence. His generosity, diplomacy and love for his country helped the Asian American community and other communities of color deal with acts of violence from the aftermath of September 11, 2001 to the alarming rise in hatred anti-Asian. He was a strong advocate for the promotion of American ideals of equality, justice, and freedom for all. Norm’s legacy will never be forgotten,” said Ann Burroughs, President and CEO of JANM.

“Norm always said that everyone had two arms: one to climb the ladder of success and one to descend, choose someone else and pull them behind you,” Burroughs continued. “He was a beacon of inspiration and support for the museum, the nation and the world. Her voice has shaped national and international conversations on social justice, and her light will live on in all of us and inspire generations of leaders.

“We extend our deepest condolences to his family and to all of his many friends and colleagues who had the special gift of friendship and time with Secretary Mineta.”

Haryana board changes Grades 6-10 history books to be more India focused


The Haryana School Education Board (BSEH) has practically released new history books for grades 6 to 10. The state board has made major changes to the history books curriculum starting from this new academic session. The old history e-books have been removed from the council website and the link of the new history e-books has been uploaded to bseh.org.in.

Education Minister Kanwar Pal Gujjar said the new books will include Indian civilization, history, culture, literature, patriots, freedom struggle, known and unknown heroes who took part to the struggle for freedom and major events in India after 1947.

Read also| Punjab Board 5th Result: How to Download Marksheet

He further stated that the new curriculum is in line with the New National Education Policy (NEP) 2020. entrusted to the Chairman of the Board of Haryana. It was presented in a complete and understandable form, with pictures and given a brand new look, the minister added.

To create the new history books, a committee was formed that included subject matter experts. Teachers from school level to university level have been involved in modifying the curriculum. The Chairman of the Board of Haryana, Prof. (Dr) Jagbir Singh said the contents of the textbooks have been changed to give an understanding of India according to Indian knowledge tradition. The new books are available in hard copy. In these books, the Indus Valley Civilization was included.

In the previous books, details of ancient India were presented in a very short and superficial form, whereas in the new books, for grades 6 and 7, the achievements of the ancient Indian society of governance, art , literature, science have been added in detail, says Haryana Board. Additionally, Indian heroes who fought against foreign invaders were highlighted.

The books also contain India’s freedom struggle, as well as all major events of India after 1947 or post-independence history. Efforts have been made to make the language of the books interesting and acceptable, according to the age group of the students.

Along with Bhagat Singh, Subhash Chandra Bose and Mahatma Gandhi, Veer Savarkar will also be taught. In the class 8 book, Veer Mohan Singh of Kaithal has been included and for class 7 students, the hill of Harsh of Thanesar has been added. Ancient Vedic culture and literature were also included, Singh said. The epics of Ramayana and Mahabharata, the Maurya empire have also been discussed in detail.

Read| Haryana Board Class 12 Hindi Question Paper Leaked, Exam Canceled in 3 Centers

Prof. (Dr) Singh said that proper information was provided on the resistance of foreign invaders and Mughal emperors. A detailed account of struggle and sacrifice has been given in the Sikh Guru tradition. Details of the National Bhakti movement have been described in these books with particular information on Shankaracharya, Ramanand, Kabir, Ravidas, Raskhan, Guru Nanak Dev, Dadu Dayal, Dhanna Bhakta, Meera Bai, Namdev and Tukaram.

Details of Brahmo Samaj, Arya Samaj, Prarthana Samaj, Ramakrishna Mission, Rashtriya Swayamsevak Sangh, Satya Shodhan Samaj and Bahishkrit Hitkarini Samaj have been added. Emphasis was placed on the role of revolutionaries Haryana Rao Tularam, Raja Nahar Singh, Hukam Chand Jain, Noor Samad Khan, etc. with Nekiram Sharma, Balmukand Gupta, Shriram Sharma, Lala Lajpat Rai, Vidyavati, Kasturi Bai, Mohini Devi, Lilavati, Chotouram. Additionally, the Indochina and India-Pakistan war, India’s foreign policy, as well as events like the emergency and the Shah Bano affair have been added.

Read all the latest IPL 2022 news, breaking news and live updates here.

The National Military Vehicle Museum tries to tell an important story

The National Military Vehicle Museum will have its long-awaited grand opening on May 28 just outside of Dubois. Dan Starks is the Museum’s founder and president. He joined Bob Beck of Wyoming Public Radio in describing the museum and why it’s worthwhile.

Dan Stark: This is a private company that was funded by my family with two main goals. The first goal is to honor the service and sacrifice of American veterans and their families. The second goal is to educate future generations about the history of American freedom.

Bob Beck: Where did you get the idea to do that?

DS: It has evolved over time. My starting point was to acquire an abandoned WWII Sherman tank with the idea that I wanted to find someone to restore it so I could drive it in the local 4th of July parade. From this seed, it became clear to me that the history surrounding these vehicles really resonated with a wide range of Americans. And as my collection started to grow, and word of mouth spread, and more and more people asked to come see the collection, it became clear that enough people were interested in that we should put this collection in a public place, be called a museum and organize our stories and make them accessible to anyone who cares.

BB: Did you have to explain to people very early on that you were acquiring these objects for a museum and that you did not plan to take Dubois back?

DS: Ha, ha, no. It’s a good point, though. Most of these vehicles have no real weapons. Those with live weapons are highly regulated and required ATF stamps under ATF regulations. But every vehicle made available to the public in the museum has been demilitarized, and the essential components of what would otherwise be real firearms are stored in vaults.

BB: Have they all been used in military actions?

DS: Many of them were used in military actions. We do not know the precise history of many of these vehicles. Some of them may have been in the United States, they may have been used for training. There are a few of these vehicles for which we know the history of their battles. We have an M18 Hellcat tank destroyer, for example, which we have documented fought in the Battle of the Bulge in December 1944. We have a DVD of the real commander of this tank destroyer. But it is the exception rather than the rule to know the exact history of vehicles. The military has not tracked the history of its vehicles in a way that would allow us to easily know their exact history.

BB: So you bought 500 fully restored military vehicles. Was it difficult to acquire them? And how do we acquire all these things?

DS: It was a challenge to acquire. And I never imagined that my efforts would lead to this kind of collection. I have acquired my vehicles all over the world. Probably half of the vehicles I acquired were in the United States when I acquired them, but the other half, about 250 of them, were in various locations overseas, ranging from Australia to South America via most of Europe and Canada. Some of these vehicles, I was coming across some of these vehicles that I was finding at auctions, because the museums were closing. For example, the Normandy Tank Museum closed due to financial difficulties and liquidated its collection. I was able to acquire a number of vehicles during this liquidation auction. But now I’m well known enough in the world of military vehicles that when people want to get rid of interesting artifacts, they very often contact me and ask if I’m interested before putting their collectibles up for sale.

BB: You also have weapons and all sorts of things, don’t you?

DS: Yes. I have a collection of historically significant firearms. The most important firearm is a musket which was first fired at the Battle of Bunker Hill on June 17, 1775. It is amazing that it has not already been lost in history or in a museum. It remained in the family of New Hampshire militiaman John Simpson, who carried this weapon into battle at Bunker Hill and returned home with his weapon at the end of the Revolutionary War. It remained in his family until 2019, when the family decided to make it available in a public auction and I was lucky enough to be able to acquire it during this auction.

BB: You mentioned that it really is a museum about freedom. What is the story you are trying to tell?

DS: Key attributes of what it takes to create and now what it takes to maintain our freedom. For example, the role of manufacturing in preserving American freedom. When we think of American manufacturing, people think of the economic impact on American manufacturing jobs, for example. But I don’t hear a discussion about the importance of maintaining proper American manufacturing, refreshing military vehicles and military weapons in the case of the kind of warfare we had in WWII. Little is known today that one of the main reasons we were able to overcome so many disadvantages after being ill-prepared for World War II was the size and strength of our manufacturing economy. World War II really illustrated this clearly. And today, that lesson tends to get lost in public conversation. We therefore bring this lesson back to the fore.

Another key dynamic is the value of appreciating our veterans. George Washington said young people’s willingness to serve in future wars, however justified, will be directly proportional to how they perceive the country has valued and treated its veterans. This brings us to the example of Americans who served in the Vietnam War. They never received the level of appreciation and homage they deserved. They were often fired, and sometimes even abused, as they returned to the United States after their service in Vietnam. And regardless of the politics of the Vietnam War, it is so essential to value, respect, care for, and appreciate Americans who served in the Vietnam War, regardless of its politics. And so we talk about that at length in the museum and talk about the importance of having Americans ready to step in and continue to serve in the United States military. And if we want Americans to be ready to do it, we should take better care of those who have already done it.

BB: Well, let’s talk about the grand opening for a bit. It’s going to be May 28 at 10 a.m. Are you going to have a number of large speakers?

DS: Yes, Governor Gordon has graciously agreed to speak. We have a retired three-star general from Washington DC to speak, we have the former VFW National Commander included in our speakers, and we have a full day at the event.

We have a new gallery that we are opening in our main museum building. It’s sort of the cornerstone that prompts us to have the grand opening now. It is the last gallery that builds our first main building. And that will really kick off our start to better communicate across the country what we offer here in the museum.

We are going to make it a fun day as well as an educational day. We offer free chariot rides to our customers during the day. And we are also setting up an outdoor shooting range to give customers the opportunity to shoot some of the guns they see in our gun safe and some of the guns they hear about when they discover the history of American freedom.

BB: The museum is eight miles southeast of Dubois on Highway 26. People can learn more about the event and the museum at museum website.

The Smithsonian’s National Museum of American History will remove the Ruby Slippers from view in June

The famous Ruby Slippers that Judy Garland wore in the 1939 MGM film The Wizard of Oz are gearing up for their new role and will be removed from display on June 12 to prepare them for the National Museum’s first entertainment exploration of American History. story in “Entertainment Nation” / “Nación del espectáculo” opening December 9. Visitors will be able to follow a yellow brick road to the Ruby Slippers, which will in a special case be a “spotlight” in the new exhibition. The sequined shoes are one of the most requested Smithsonian items and have been on almost permanent display since they were donated anonymously to the museum in 1979.

the Wizard of Oz is a fantasy tale about Kansas farmer’s wife Dorothy’s journey to a magical land and was based on the 1900 novel by L. Frank Baum (1856–1919). In Technicolor history, the MGM film is a milestone due to its many color sequences set in the Land of Oz. For the film, the magic shoes changed from the silver slippers in the book to an iridescent red hue.

Designed by MGM Studios chief costume designer Gilbert Adrian, the slippers are commercially made red shoes that have been modified by having red netting attached to their highs and heels, then covered in red sequins. As with most movie costumes and props, the Ruby Slippers were made quickly and were only meant to last for the brief duration of filming. Now over 80 years old, the Ruby Slippers underwent a year-long research and conservation treatment in 2016-2017 as part of a Kickstarter campaign for #KeepThemRuby. Videos, blogs and other materials will provide digital access to the Ruby Slippers while they are out of sight in preparation for the new exhibit. “Entertainment Nation” will immerse visitors in the dramatic arc of the nation’s story told through the power and influence of theatre, television, film, music and sports. Within the Ray and Dagmar Dolby Hall of American Culture, the 7,000 square foot bilingual multimedia exhibit will feature iconic objects from the museum’s renowned collection illustrated with captivating graphics, video and stories. American Cruise Lines is the exclusive projector sponsor of Ruby Slippers in “Entertainment Nation”.

Through unparalleled collections, rigorous research, and dynamic public outreach, the National Museum of American History seeks to empower people to create a more just and compassionate future by examining, preserving, and sharing the complexity of our past. . The museum, located on Constitution Avenue NW between 12th and 14th Streets, is open daily from 10 a.m. to 5:30 p.m. (closed December 25). Admission is free and no pass is required. The doors of the museum are always open online and the Virtual Museum continues to expand its offerings, including online exhibits, materials and PK-12 educational programs.

Seattle Sounders claim first MLS CCL title in front of record crowd


SEATTLE — In the 17th minute, Brian Schmetzer was on the sideline waving his arms up and down, a gesture he’s used this season to tell his Sounders players to “quiet” or calm down.

It looked like Schmetzer was fanning the flames on Wednesday. The Sounders packed Lumen Field for the 2019 MLS Cup victory, but the experience did not dampen the emotions for the CONCACAF Champions League final against Pumas UNAM.

An expected sold-out crowd materialized into a tournament record 68,741 fans engulfed in a shared overload of adrenaline and emotion. How a player calms down in this atmosphere is an unsolved mystery.

Sounders striker Raul Ruidiaz and midfielder Nico Lodeiro fired up the electricity at full power to claim a 3-0 victory over the Pumas. The result pushed Seattle’s aggregate score to 5-2 to win the Champions League title.

No MLS team has won the regional trophy, with the Sounders being the fifth to advance to a final. The tournament has been dominated by the Liga MX teams, who have won the last 13 games under the current format. The Pumas were the last Mexican team to lose in a CONCACAF final, the last in 2005.

The latest being Wednesday. As well as making Sounders and league history, the Sounders won $500,000 and a place in the FIFA Club World Cup, likely to be played in 2023. Premier League club Chelsea FC England, is the defending champion of the Club World Cup.

Sounders goaltender Stefan Frei was named tournament MVP and finished with 25 saves and four shutouts. Cristian Roldan led with five assists.

“It means everything,” an emotional Frei said in a TV interview after the win. “It’s a Wednesday and we’re packing this place with 68,000 people. The passion is so strong in this city and we appreciate it. I’m so happy for everyone that we’re able to achieve this for them.

“It’s a childhood dream come true. A sold-out stadium that’s there to cheer you on. Ultimately, it’s about winning trophies. We want to win trophies, and today is a big one.

The fire was genuine and contrived to start CCL’s final action on the ground at Lumen.

The US national anthem and boom-boom-clap tradition of Sounders fans were synchronized with a pyrotechnic display ranging from a swirling fire to a ring of sparklers on the outermost circle.

From the opening whistle, the players took over with fiery games and clashes. Ruidiaz set things on fire with his first goal in the 45th minute. The build-up was from a free-kick, with centre-back Xavier Arreaga tapping a forward pass to Ruidiaz, who was in the center of the box, the Peruvian beaming a right-footed shot on goal that deflected a player and made twisted Pumas goalkeeper Alfredo Talavera. wrong way to attempt to make the backup.

Seattle outscored the Pumas 8-2 in the first half.

“There was a good resolve within the group,” Schmetzer said of the halftime vibe in the Sounders locker room. “We changed a few elements in our attacking moves, so the half was calm. Right now (post-game) it’s probably happening.

Ruidiaz’s brace was a fine build, with Lodeiro patiently waiting to send Ruidiaz in for the goal in the 80th minute. Schmetzer winked at midfielder Albert Rusnak for his composure to help retain possession and execute the passing sequence for goal.

Lodeiro followed the play with his own shot off a rebound in the box. He received a yellow card for taking off his shirt.

The Sounders were the ones to suffer heated altercations in the first half as left-back Nouhou (11th minute) and defensive midfielder Joao Paulo (29th minute) were substituted with apparent injuries, the latter being transported on a stretcher to the halls of the stadium for evaluation. .

According to Schmetzer, Joao Paulo suffered a torn right ACL while Nouhou has a bruised right quad. The stars still joined in the celebration, with Joao Paulo pumping his crutches into the air as confetti shot into the sky as the players lifted the trophy.

The CCL Finals is the first time this calendar season that the full roster of Sounders first-choice players have started a game together. The absences, either through injury or international duty, meant midfielders Kelyn Rowe and Obed Vargas, who replaced Nouhou and Joao Paulo, had already built chemistry with the others and made appearances in CCL in the first laps.

Pumas are known for their comebacks but didn’t find any scoring chances on Wednesday. Frei deflected his best chance in the 65th minute, a Diogo header.

The visitors had Mexico international centre-back Arturo Ortiz back from suspension for accumulating yellow cards. They were without defender Alan Mozo with a leg injury.

Pumas have qualified for their league playoffs and will face Chivas on Sunday.

Seattle returns to MLS on Saturday with a road game against FC Dallas. The Sounders (2-4-1) are 26th in the league’s 28-team Supporters’ Shield table. The club also opens the US Open Cup next week.

“There will be more success after our success,” Schmetzer said of MLS teams in CONCACAF. “Give me six months. Let me pass Dallas, pass the Open Cup game at Starfire, which is going to be a big deal. Let me go through some of these games and maybe I can think a little more.

Rachel Homoly’s love for the pole vault leads to the history books | High school sports


LIBERTY – Adrenaline rushes through Rachel Homoly as she waits on the runway. She gathers and sprints towards her target, driving her pole into the ground and taking off.

Homoly appears to float for a moment before reaching his peak, then clearing the bar and letting go of the pole. After her pole vault, she floats to the mat, another successful vault attempt.

This is Homoly’s happy place, the place where she thrives. The Liberty junior dominated the pole vault competition in Missouri State and nationally.

“It’s the closest thing to flying and being able to put it all on the line,” she said of the pole vault.

How it all began

Pole vaulting is not your usual sport, with most pole vaulting athletes not being given a pole vault in their cribs as babies and destined to become pole vaulters. The journey for Homoly, however, started young.

It all started in fifth grade when she met Jeff Fogel at her family’s Cross-Fit gym. Fogel is the former track assistant at Liberty North and Park University. Currently, Fogel is the head coach at Belton High School. But it was at a pole vault clinic hosted by Fogel in Liberty North that Homoly was introduced to the sport.

When Homoly’s football team broke up a year later, she wanted to continue her sports career. She wanted to take pole vaulting more seriously. With Fogel’s help, Homoly was introduced to former NCAA Division I National Champion Todd Cooper. Cooper is a former Baylor University pole vaulter and now owns his own pole vault gym in Excelsior Springs.

“He’s hands down one of the best coaches I’ve ever had,” Homoly said. “He brought out a lot more confidence in me, to really trust my own abilities, but also trust his abilities. It’s really easy to communicate with him and learn from him.

Confidence is the key to pole vaulting. A slight hesitation can force you to miss your target and then fail your attempt. Homoly explained that being in his own head is one of his traps. She thinks too much and compares herself to other athletes.

“I’ll have a resting face on the track and my dad will be like, ‘Rachel, you need to smile.’ So when I can relax and trust myself, that’s when the big leaps happen,” she said.

Create new records

The big jumps have certainly come for Homoly, who holds the Liberty school record and the state record for the highest jump. She eclipsed 13 feet 10 1/2 inches in the Gary Parker Invite. This marks the sixth place in the country.

“Showing everyone what you’re capable of with strength and speed, it’s really great to see it all together,” she said.

Homoly is a great individual athlete, but a better teammate. Liberty head coach Dan Davies shared that sentiment.

“Rachel is an excellent teammate almost at fault. She doesn’t want the honors to be focused on her all the time,” he said. “I think that embarrasses her and sometimes she has to be persuaded to accept praise for doing what she does.”

While she hopes to qualify for national championships and the Olympics, Homoly also has plans for much more. She is passionate about travel and photography and hopes to pursue a career in the medical field. She’s also still a high school student with a hobby that many can relate to.

“I love shopping,” she laughs. “If it’s athleisure, you can catch me in anything Lululemon.

In most competitions, she no longer jumps in the girls’ division, but with the boys. Although she is always marked with the girls, if she jumped with them, she would compete alone thanks to the heights she reaches.

The love of competition

Since jumping with the boys, Homoly has been able to have more competition.

“If I were going to go with the girls, it would be a whole girls session and then I’d have a 30-minute competition just for me,” Homoly said. “Then the boys wouldn’t start until 8 or 9 p.m., so that helps with time management.”

She also doesn’t hold back that she definitely wants to beat some of the boys she’s pole vaulting against.

“I think it hurts their self-esteem,” laughed Homoly. “The boys will come and say, ‘Oh, are you jumping with us today?’ It’s funny, but it pushes us all to be better.

When the time comes, Homoly will have the pick of the litter for her college decision, but that will have to wait as the junior continues to advance in her Liberty Track career.

She takes it one step at a time, one step full of laughter and love for her sport.

She will bring her high-flying talents to the Suburban Conference Championship at Liberty on Friday, May 6.

The DeWine and Whaley match will be one for the history books


“Certainly his candidacy is historic, and I think it’s a sign of the changes within the Democratic Party where it’s unlikely to see any white male tickets in national or state races,” said Lee Hannah. , associate professor of political science at Wright State University. “I think Whaley will have an eye on urban and suburban voters as a high priority, but Democrats also need to start getting stronger in rural counties as well; and I’m sure their team is trying to think about how they craft an economic message for those areas. »

To exploreOhio race for governor pits 2 local leaders after DeWine, Whaley win

If she wins, however, Whaley won’t be the first woman to hold the position. Nancy Hollister, a Republican, served as governor for 11 days in early 1999.

Hollister, who replaced DeWine as lieutenant governor in 1994 when he was elected to the U.S. Senate, also became governor after George Voinovich was elected to the Senate. She filled the final days of Voinovich’s term until newly elected Governor Bob Taft took office.

Whaley won the Democratic primary by a wide margin, but she did not come close to DeWine’s vote total. Just over a million Republicans voted in the primary against half a million Democrats.

DeWine got nearly half the vote in a four-way race, noted Mark Caleb Smith, director of the Center for Policy Studies at Cedarville University.

“Whaley needed DeWine to lose, or she needs the national and state climate to turn to the Democratic Party,” he said. “She’ll have a hard time knocking down someone with DeWine’s deep roots in the state.”

Turnout in the primaries doesn’t necessarily reflect how the November general election went, Hannah said. An influx of cash and visits from high-profile national figures have sparked Republican interest in the U.S. Senate race, boosting voter mobilization that likely spilled over into the gubernatorial primary, he said. Even so, it will be an uphill battle for Whaley.

“Right now, the Republican Party seems to have a pretty big advantage in Ohio. Even in 2018, when all the indicators were pointing to a ‘blue wave’, Ohio went against the grain,” Hannah said. “Now, in a midterm election with a Democrat in the White House, Republicans should be ready to stay in control come fall.”

To exploreVance and Ryan win U.S. Senate primaries in Ohio

But a lot could change that before November, he said.

A big factor in the fall election could be the potential overthrow of Roe v. Wade. A leaked draft opinion from the US Supreme Court says the 1973 ruling legalizing abortion could soon be overturned.

On election night, Whaley predicted that if Roe was overruled, DeWine would oversee the criminalization of abortion in Ohio.

“It will be interesting to see how well she incorporates a potential Roe upset into her campaign,” Smith said. “Since abortion can really become a statewide political issue, she has the opportunity to profit from a combustible issue.”

In 2019, DeWine signed a “Heartbeat Bill,” which would ban almost all abortions after six weeks — before many women know they are pregnant — as Texas passed and other states ruled by the Republicans are considering. Its implementation has been blocked in court, but DeWine has expressed an interest in reviving it if Roe falls.

“It could become a major fault line in the fall,” Hannah said. “The pro-life movement has been galvanized because abortion is legal – if reversed, we could see a similar galvanizing effect on the pro-choice movement.”

It’s an issue that could reinforce the urban-rural divide among Ohio voters, he said. A Pew Research poll found that 61% of urban voters and 59% of suburban voters support abortion rights, compared to 46% of rural voters, Hannah said.

City Life Org – The Smithsonian’s National Museum of American History will remove the Ruby Slippers from view in June

Move will prepare them for their new spotlight in the “Entertainment Nation” exhibition, which opens on December 9. The last day to see the slippers is June 12.

The famous Ruby Slippers that Judy Garland wore in the 1939 MGM film The Wizard of Oz are gearing up for their new role and will be removed from display on June 12 to prepare them for the National Museum’s first entertainment exploration of American History. story in “Entertainment Nation” / “Nación del espectáculo” opening December 9. Visitors will be able to follow a yellow brick road to the Ruby Slippers, which will in a special case be a “spotlight” in the new exhibition. The sequined shoes are one of the most requested Smithsonian items and have been on almost permanent display since they were donated anonymously to the museum in 1979.

the Wizard of Oz is a fantasy tale about the journey of Dorothy, a Kansas farmer, to a magical land and was based on the 1900 novel by L. Frank Baum (1856–1919). In Technicolor history, the MGM film is a milestone due to its many color sequences set in the land of Oz. For the film, the magic shoes changed from the silver slippers in the book to an iridescent red hue.

Designed by MGM Studios chief costume designer Gilbert Adrian, the slippers are commercially made red shoes that have been modified by having red netting attached to their highs and heels, then covered in red sequins. As with most movie costumes and props, the Ruby Slippers were made quickly and were only meant to last for the brief duration of filming. Now over 80 years old, the Ruby Slippers underwent a year-long research and conservation treatment in 2016-2017 as part of a Kickstarter campaign for #KeepThemRuby. Videos, blogs and other materials will provide digital access to the Ruby Slippers while they are out of sight in preparation for the new exhibit. “Entertainment Nation” will immerse visitors in the dramatic arc of the nation’s story told through the power and influence of theatre, television, film, music and sports. Within the Ray and Dagmar Dolby Hall of American Culture, the 7,000 square foot bilingual multimedia exhibit will feature iconic objects from the museum’s renowned collection illustrated with captivating graphics, video and stories. American Cruise Lines is the exclusive projector sponsor of Ruby Slippers in “Entertainment Nation”.

Through unparalleled collections, rigorous research, and dynamic public outreach, the National Museum of American History seeks to empower people to create a more just and compassionate future by examining, preserving, and sharing the complexity of our past. The museum, located on Constitution Avenue NW between 12th and 14th Streets, is open daily from 10 a.m. to 5:30 p.m. (closed December 25). Admission is free and no pass is required. The doors of the museum are always open online and the Virtual Museum continues to expand its offerings, including online exhibits, materials and PK-12 educational programs. The public can follow the museum on social networks at Twitter, instagram and Facebook. For more information, visit https://americanhistory.si.edu. For information about the Smithsonian, the public can call (202) 633-1000.

39th honor flight never forgotten in the history books | Best Stories


Wausau, Wis. (WAOW) – Korean War and Vietnam veterans returned home from their Never Forgotten Honor Flight (NFHF) on Monday.

This is the 39th mission the group has flown to Washington, DC for veterans to view the memorials built in their honor.

“We have 15 Korean veterans and 81 Vietnam veterans – we are very proud to have them on board,” said NFHF President Mike Thompsen.

It is the first flight for the veterans nonprofit since October 2019, when the pandemic ended its travel plans.

While in the nation’s capital, the first stop took veterans to the Lincoln Memorial, Korean War Memorial, and Vietnam Veterans Memorials.

They also visited Arlington National Cemetery.

“It makes you think of all those good old boys who aren’t there – it makes you stop and think it’s like they’re saying freedom isn’t free,” said David Roth of Schofield.

Other stops included a visit to the Marine Corps War Memorial, 9/11 Pentagon Memorial and Air Force Memorial.

At the end of the day, the veterans, their guardians and NFHF volunteers returned to Mosinee Airport.

There, the veterans received a hero return with hundreds filling the halls.

“It meant a warm welcome and that’s the most important thing,” said Dennis Halvorsen of Edgar.

They encourage others who have served their country to sign up if they haven’t made the trip yet.

Mike Huebsch: “It really is the trip of a lifetime – as they say

For more information on honor flight registration and volunteering or becoming a sponsor, please click here.

Personal Loan For Salaried Employees – Forbes Advisor INDIA

Most, if not all, employees rely on their monthly salary to meet household expenses. The monthly salary happens to be the main and only source of income for the average Indian earner. In this case, the cash flow is almost fixed throughout the year for the employees except in the case of one-off profit-sharing or an annual bonus.

But what happens in a financial emergency? It can be a planned expense, like arranging financing for a dream wedding or a vacation to an international destination. Or sometimes it can even be an unforeseen emergency, like medical bills.

According to the AON survey, there will be a 9.9% wage increase in India this year, reaching a five-year high. Despite the planned salary increases, the personal aspirations and needs of salaried employees are also on the rise, especially those of young professionals, resulting in the need for additional sources of income.

We can never say when we will face financial demands. The good news is that these days the whole ordeal of getting a personal loan for salaried people has been simplified by banks and financial institutions.

Personal loans for employees: what you need to know

When you live paycheck to paycheck, some things get pushed aside. This is simply because not all of your financial goals can be achieved with income from just one salary.

A tailor-made personal loan for employees can be the ideal solution to meet the contingent or uncategorized expenses that arise from time to time.

With the advancement of the FinTech sector, personal loans can now be obtained easily and you can also avail instant loan approvals.

This explains why today, we are seeing more and more people resorting to personal loans to meet their emerging monetary needs, be it long-term or short-term. In fact, a personal loan has become the one-stop solution that helps salaried employees bridge the financial gaps in their lives.

Benefits of a personal loan for employees

Here are the main reasons why the personal loan is the preferred loan choice for employees:

  1. Without warranty

Personal loans are unsecured loans, which means that it is not necessary to produce collateral to take out a personal loan.

  1. Competitive interest rates

Interest on personal loans is lower compared to interest on credit cards. While credit card interest can be as high as 24% to 36% per year, personal loan interest rates can go as low as 10.25%.

  1. Unlimited end use

Personal loans can be used for any purpose you wish, such as home improvement, education or medical expenses and you do not need to obtain prior authorization from the bank for use. final.

  1. Flexible loan term

Personal loans offer flexible repayment options and suitable tenure which helps you repay the loans easily.

  1. Avoid the heavy paperwork burden

Salaried employees don’t have to worry about the hassle of tedious paperwork. Today, the whole process is digitized and you can obtain a personal loan in a few clicks.

  1. High loan amount

Salaried employees can take out personal loans up to INR 50 lakh provided they are eligible for such loans by fulfilling the eligibility criteria.

  1. Rapid loan approval and disbursement of funds

Most lenders have implemented a fully digitized and instant loan approval process. If you qualify for a loan and have a good credit rating, you even have a pre-approved loan available to you. Once the loan is approved, the transfer of the loan amount takes place in a matter of minutes.

  1. Eligibility easy to satisfy

To qualify for a personal loan, you just need to meet the basic eligibility criteria. This ensures that the personal loan process for salaried employees is convenient and hassle-free.

Eligibility Criteria for Salaried Professionals for a Personal Loan

As mentioned earlier, in most cases, salaried professionals do not need to meet extensive requirements to qualify for a personal loan. Eligibility criteria may vary from one lending company to another. Most lenders follow the eligibility criteria below to help them better understand the borrower’s capabilities to repay the loan amount and determine the loan amount that can be offered to the salaried professional.

Here are some of the basic requirements that salaried employees must meet:

  1. You will need to be a resident citizen of India
  2. You must be between 18 and 60 years old
  3. Your monthly salary should not be less than INR 15,000
  4. You must have a total work experience of 12 months or more

Documents required to apply for a personal loan

To apply for a personal loan, the salaried professional must have at hand the documents below as well as the application form:

  1. Identity proof: It can be any of the following documents: PAN card, Aadhar card, voter card, passport, driver’s license, etc.
  2. Passport size photographs
  3. Proof of address: This may include a rental contract, electricity bill, telephone bill, passport, etc.
  4. Salary statements: Salary slips for the last three months are necessary to ensure that the current salary you are receiving is not less than the minimum salary required to take out a personal loan
  5. Proof of income: A copy of bank statements for the last three months will be required

Although the documents required to apply for a personal loan may vary slightly from lender to lender, these documents are more or less required by most banks and loan companies.

Important tips for taking out a personal loan

If you’re looking to qualify for a personal loan, keeping these six key points in mind will help you make the right choice:

  1. Credit score:

As personal loans are unsecured loan products, a good credit score plays an important role when it comes to sanctioning the loan. Lending companies consider the credit score to assess the creditworthiness of the borrower. Any score above 750 increases your chances of getting your personal loan approved.

  1. Beware of hidden fees in personal loans:

There may be some hidden costs that are part of the terms and conditions of the personal loan. These can include prepayment or foreclosure charges or sometimes inflated processing fees. Before applying for a personal loan, make sure you read the terms and conditions carefully and know all the fees that are levied as part of the loan.

  1. Current employer and job profile:

If your employer has a good reputation, this could help create a positive impression on the lender. This is something that most borrowers are unaware of. Your employer’s reputation, as well as your job profile and position in the company are all key factors that help improve the chances of getting an approved personal loan application.

  1. Avoid multiple applications:

It is best not to apply for multiple personal loans in a short period of time. What you need to understand here is that every loan application leads to a credit check – these credit checks lower your credit score and this eventually reflects on your credit report.

  1. Be honest in your applications:

Be sure to provide correct information to lenders. Before processing the loan, the lending company will verify the information provided. Any incorrect information could result in the rejection of your application.

  1. Advantages of multiple income sources:

Having multiple sources of income is another factor that could increase your chances of getting your loan application approved. Rental income and dividends are considered additional sources of income and help improve the creditworthiness of the borrower.

How to get a personal loan?

Let’s take a quick look at three main avenues you can approach to apply for a personal loan:

  • Commercial bank: One of the most common and popular methods of obtaining a personal loan is to approach the bank where you have an account. You might even consider other banks if the interest rates they charge are more favorable to you.
  • Cooperative bank: Cooperative banks operate on a much smaller scale than commercial banks. Cooperative banks are now becoming a preferred option as they offer lower interest rates and flexible repayment options.
  • Online lenders: Many non-bank financial companies (NBFCs) have simplified and accelerated the entire loan application process. Many salaried people consider taking a loan from these NBFCs as they offer instant personal loans with fast disbursement and better repayment standards.


For employees, obtaining a personal loan is no longer a tedious task. The process and eligibility criteria have been redefined to help employees easily deal with unforeseen emergencies.

With NBFCs and digital lenders flooding the market offering reasonable interest rates, employees need not be burdened with financial stress. Although your salary can be your source of income, personal loans can be the emergency fund you need from time to time. This comprehensive guide will point you in the right direction when it comes to applying for a personal loan – that said, planning your finances beforehand can go a long way in ensuring you’re able to save enough and don’t end up collapsing with your personal finances.

39th honor flight never forgotten in the history books | Top Stories


Wausau, Wis. (WAOW) – Korean War and Vietnam veterans returned home from their Never Forgotten Honor Flight (NFHF) on Monday.

This is the 39th mission the group has flown to Washington, DC for veterans to view the memorials built in their honor.

“We have 15 Korean veterans and 81 Vietnam veterans – we are very proud to have them on board,” said NFHF President Mike Thompsen.

It is the first flight for the veterans nonprofit since October 2019, when the pandemic ended its travel plans.

While in the nation’s capital, the first stop took veterans to the Lincoln Memorial, Korean War Memorial, and Vietnam Veterans Memorials.

They also visited Arlington National Cemetery.

“It makes you think of all those good old boys who aren’t there – it makes you stop and think it’s like they’re saying freedom isn’t free,” said David Roth of Schofield.

Other stops included a visit to the Marine Corps War Memorial, 9/11 Pentagon Memorial and Air Force Memorial.

At the end of the day, the veterans, their guardians and NFHF volunteers returned to Mosinee Airport.

There, the veterans received a hero’s return with hundreds filling the halls.

“It meant a warm welcome and that’s the most important thing,” said Dennis Halvorsen of Edgar.

They encourage others who have served their country to sign up if they haven’t made the trip yet.

Mike Huebsch: “It really is the trip of a lifetime – as they say

For more information on honor flight registration and volunteering or becoming a sponsor, please click here.

Granite Bears rewriting the history books


MORAVIAN FALLS – East Surry pulled away from North Surry on Thursday to claim the Foothills 2A Conference Tournament Championship.

The game was tightly contested until the No. 1-seeded Cards nearly doubled their hits and runs in an explosive sixth inning. The No. 3 Greyhounds kept fighting and scored again in the top of the seventh, and even had two players on base when the final strikeout was thrown.

A 9-4 victory over their county foe gave East Surry their 14th conference tournament championship in program history.

“We have a great deal of respect for the North Surry baseball program, and Coach [Daryll] Johnson has always prepared them well,” said East Surry coach Chad Freeman. “They had 10 out of 11 wins before the championship, so we knew they were a scrappy bunch. We made a few mistakes, but we found hits at key times.

“A lot of guys have stepped up for us, so hopefully this will give us some momentum as we prepare for the state playoffs.”

East and North Surry are two programs very familiar with conference tournament championship games. East won the Northwest 1A Conference Tournament Championship in 2013-15, 2017, and 2018, then finished second in the tournament in 2019. North won the Western Piedmont 2A Conference Tournament Championship in 2019 and was a runner-up in 2017 and 2018.

No conference tournaments were held in 2020 or 2021.

“I’m incredibly proud of the guys who fought to get here and put us in a position to compete for a championship,” Johnson said. “The box scores were almost identical, but East Surry was able to get theirs when they needed it and they made big plays. They have a culture they live in and they have done very well. We also have a culture and we want to be successful every time we go. Success is measured in different ways, and I don’t always judge by what the scorecard says.

“We are not finished. We’re going to prepare for wherever we need to go if we’re lucky enough to have a playoff spot.

The road to the FH2A Championship

North felt he had unfinished business with top-seeded East Surry after the teams last met. The Cardinals took the win 2-1 even though they didn’t get past second base after the third inning. The Greyhounds charged the bases three times after scoring their only run, but couldn’t convert a run.

“Honestly, I thought they outplayed us in that game at home,” Freeman said. “We weren’t as sharp as we should have been, we were just lucky enough to make the necessary plays to get the win. Overall they were better prepared for the second game even though we won the game.

Knowing that his team had shown they could compete with East, the highest-ranked team in the FH2A conference, served as additional motivation for Johnson and the Greyhounds.

“It was a bad feeling coming out of that game, and we took that game and grew from it,” Johnson said. “If the ball had bounced in our direction several times when it was not, things might have ended differently. This match, like those against Forbush and the match at West Wilkes, was a wake-up call for us.

North Surry’s 17-11 defeat at West Wilkes on 4 April was a turning point for the team. The Greyhounds, who fell to 6-7 on aggregate after the loss, committed a season-high nine errors against the Blackhawks.

“We had a team meeting and discussed some things that will stay between us as a team,” Johnson said. “They agreed it was unacceptable. We weren’t mentally strong at the start of the season and, although we weren’t quite where we wanted to be, we’ve come a long way since then.

The Greyhounds won 10 of their next 11 games, including a 3-0 victory over No. 2 seed Forbush, to reach the conference championship game. Forbush beat North Surry 8-2 and 9-1 in their two regular season encounters.

“It’s been a long season, but it’s been a good season,” Johnson said. “I watched other teams and saw how they react to adversity, then take a look at mine. I wouldn’t trade my guys for anything… there’s a lot of respect in that dugout for the people in our circle. It got us to where we are.

East Surry, meanwhile, had to pick up wins in several close games to keep their undefeated conference campaign alive. This included two close games against Forbush, the aforementioned win over North Surry, a win from behind at West Wilkes and a win at Surry Central to close out the regular season.

The No. 1 Cardinals defeated No. 4 West Wilkes 10-1 to reach the conference tournament championship.

“We made sure to emphasize in practice that we couldn’t take North Surry lightly, and the guys knew that,” Freeman said. “We’ve talked about it and no one on our team has been on a conference tournament championship team. It’s something special, and North plays for the same price.

“Another wildcard is that we’ve never faced Cam Taylor in the regular season either. He started the second half of the conference season well for them, and we really didn’t know what to expect.

tedder trade

Freeman compared the tournament championship to a heavyweight boxing match.

“It was like two good boxers going back and forth,” Freeman said. “One side would go into a run with a few quality punches and then the other would fight and build momentum. It was a high quality match, and that’s what you expect from a championship.

North Surry (16-9) was first on the board with a run in the top of the first inning. Leader Ethan Edwards reached first on a field error from Cardinal, moved to second and then third on a pair of wild pitches. James McCreary tagged Edwards with a blooper to the third baseman’s head.

The Cardinals (21-1) mimicked the Hounds and put their heads up after a fielding error. Trey Armstrong was hit by a pitch, then Folger Boaz was walked to charge the bases with no outs. After landing a strikeout, North Surry pitcher Cam Taylor walked Anthony Ayers to bring Luke Bowman through home plate to tie the game.

North faced another round of bases loaded after the walk, but converted a double play to end the inning. Caden Lasley hit a grounder to Edwards and the first, and Edwards threw a pitch to Brodie Robertson at home for the forced out. Robertson quickly fired back to Edwards early for the third out of the inning.

East Surry added three late in the second to take their first lead of the night. Matthew Keener and Bowman each scored a single, and Tristen Mason was walked to load the bases like in the first inning. Armstrong, who was named the FH2A Tournament’s Most Outstanding Player, hit a 2RBI single against Keener and Mason.

“Trey was just phenomenal the whole tournament; he really played out of his mind,” Freeman said. “He played very well on the court and made that spectacular diving save. During the entire tournament, he only went out once at home plate.

A sacrifice fly hit by Boaz brought Bowman on to make it a 4-1 game.

North Surry fought back in the top of the third when Edwards and Kolby Watson singled. A cardinal error on Watson’s shot allowed the runners to advance to second and third, and then Robertson joined his teammates after being hit by a pitch from Luke Brown.

Myles Draughn scored Edwards with a single to make it 4-2. The Cardinals got Watson out when he tried to head home, but a McCreary ground shot allowed Trevor Isaacs – running for Robertson – to score and make it 4-3.

The Cardinals added an insurance run late in the fourth inning when Boaz pulled out to tag Bowman. North Surry had chances to fight back in the fifth and sixth but left two runners on base each time.

The Hounds had bad luck in the sixth inning with runners in the corners. Edwards was at bat and faced a 2-2 count. Edwards attempted to dodge a pitch thrown his way, but his bat inadvertently made contact with the ball. Taylor never had a chance to make it home on the wild pitch as it was ruled a foul ball, and this caused the count to remain at 2-2 instead of going to 3-2. Brown retired Edwards on the next pitch.

East Surry went to the top of the lineup in the bottom of the sixth and broke for back-to-back doubles, put a runner on base with an intentional walk, then threw two more doubles to increase their lead to 9-3. North Surry led in hits 7-6 heading into the sixth.

“We just took good approaches, and when we had pitches to hit, we took advantage of them,” Freeman said. “We also had a strong base throughout the game.”

The Greyhounds kept fighting and added a run in the top of the seventh. The Cards made two field errors that opened the door for Watson to score, but North once again left two runners on base.

“I’m proud of them, and I’m sure to tell them that,” Johnson said. “It’s been tough getting to where we are, and it’s certainly not easy. But we don’t want it to be easy. That’s how we improve.

“I hope we get a good draw in the playoffs. We played bad games and had bad performances so we put ourselves here and now we have to do something about it.

Taylor went 5.1 innings on the mound for North Surry. He threw two strikeouts, hit batters, walked three and allowed eight runs on eight hits. McCreary pitched the final 0.2 innings and allowed a run on two hits.

Brown earned the victory on the mound for East throwing six strikeouts, two walks and allowing three runs on seven hits in 6.0 innings. Anthony Ayers pitched the last inning and had one strikeout, one walk and allowed a run.


Surry North – 1, 0, 2, 0, 0, 0, 1 = 4

East Surry – 1, 3, 0, 1, 0, 4, X=9

Archinect News Articles tagged “national museum of Latin American”

A national museum of U.S. Asian-Pacific history and culture is one step closer to reality after the U.S. House of Representatives on April 26 unanimously approved a plan bill to create an eight-person commission to study the feasibility of establishing such an institution in Washington, DC. The bill is now heading to the Senate.The arts journal

The bill was sponsored by Congresswoman Grace Meng, who represents New York’s Sixth Congressional District, and passed the House just days before the start of Asian American Heritage Month and of the Pacific Islands. “Asian Americans and Pacific Islanders have played a pivotal role in… See full entry

View of the National Mall in Washington, DC Image courtesy of Wikimedia/Library of Congress Prints and Photographs Division.

The U.S. House of Representatives passed the National Museum of the American Latino Act, a bill that paves the way for the creation of a new Smithsonian Institute-affiliated museum celebrating the history and achievements of Latinos in the States -United. The text of the bill… See full entry

Punjab: Punjab Governing Council Bans 3 History Books Containing Distorted Facts | India News

CHANDIGARH: The Punjab School Education Board (PSEB) banned three Punjab history books on Saturday based on investigative reports that found distorted facts in the books.
Punjab Education Minister Gurmeet Singh Meet Hayer tweeted on Sunday that Sikh history is invaluable to everyone and future generations. He said distorted facts were presented on Sikh history in Class XII books and on the instructions of CM Punjab that he ordered to ban the books and take action against guilty authors and publishers .
These books, which were taught to students in Class XII, include ‘ABC of Punjab History’ written by Manjit Singh Sodhi, ‘Punjab History’ by Mahinderpal Kaur, ‘Punjab History’ by MS Mann.
Baldev Singh Sirsa, a peasant leader and social activist based in Amritsar, and Lakha Sidhana, a gangster turned social activist, had raised objections to various facts about the Sikh gurus mentioned in these history books that Punjabi public school students were reading. Subsequently, the then Minister of School Education, Pargat Singh, ordered an investigation into the books in February.
PSEB Chairman Jograj had constituted an investigation under the former Special Duty Office (OSD) to Director General of School Education Inder Pal Singh Malhotra to examine the contents of these books. Malhotra had submitted his report to the PSEB last month.
The PSEB also ordered an investigation into the content of another book written by AC Arora and three other authors that was being sold without PSEB approval. The chairman of the PSEB said that appropriate action would be taken against the culprits based on the results of the investigation report.

Fort Nisqually Living History Museum Selected to Participate in National Museum Assessment Program – The Suburban Times


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The Fort Nisqually Living History Museum, located in Tacoma’s Point Defiance Park, has been selected to participate in the Museum Assessment Program (MAP), which is administered by the American Alliance of Museums. Through a guided self-assessment and onsite consultation with a museum professional, participation in the MAP will enable Fort Nisqually to better serve the citizens of Tacoma by facilitating compliance with and exceeding the highest professional standards in the museum field. .

The museum’s participation is made possible through funding provided by the Institute of Museum and Library Services (IMLS). MAP helps museums strengthen their operations, plan for the future, and meet standards through a self-assessment and on-site consultation visit by an expert peer reviewer.

The Fort Nisqually Living History Museum chose to conduct a stewardship assessment of the MAP collections to mitigate risk to exhibits and increase accessibility to research materials. The museum will review the environmental conditions in each of its buildings and create a housekeeping plan with the goal of institutionalizing preventive care and ensuring the preservation of its collection. “Our museum has an extensive collection of artifacts and documents related to the Hudson’s Bay Company and the Puget Sound Agricultural Company in Fort Nisqually,” says site supervisor Jim Lauderdale. “As a living history museum, we face unique collection management challenges. Participating in this program will allow us to prioritize long-term preservation issues.

“Choosing to be part of the MAP program is indicative of the Fort Nisqually Living History Museum’s commitment to civic engagement, public service, and overall excellence,” said Laura Lott, president of the AAM. “Studies have shown that American museums are among the most trusted and valued institutions in the country. MAP is designed to make them even better.

Since its inception in 1981, the MAP program has served more than 5,000 museums. The MAP is supported by a cooperation agreement between the AAM and the IMLS. For more information, including a full list of museums participating in MAP, please visit www.aam-us.org/map, call 202-289-9118 or email [email protected] Our website also contains information on museums across the country that have previously participated in MAP and other AAM Excellence Programs (such as verification of basic documents and accreditation).

Charles Wright Academy

The AAM is the only organization representing the entire museum community in the country and has been dedicated to promoting excellence in the museum field for more than 100 years. For more information about AAM, visit www.aam-us.org. The Institute of Museum and Library Services is the primary source of federal support for the country’s 123,000 libraries and 35,000 museums. To learn more about the Institute, visit: www.imls.gov.

The Fort Nisqually Living History Museum is a restoration of the Hudson’s Bay Company outpost and headquarters of the Puget Sound Agricultural Company. Visitors travel back in time and learn about life in Washington Territory in the 1850s. Nine buildings are open to the public, including the Attic and Postman’s House, both National Historic Landmarks, and a Visitor Center with museum store.

4 reasons a personal wedding loan can help – The New Indian Express


By IM online

If you want to buy a house, you can apply for a home loan. Likewise, there is an auto loan if you need to borrow money to buy a car. However, if you are starting to look for a loan to support the expenses of a wedding, you can find loans called “wedding loans” on the websites of banks, NBFCs and private lenders. A wedding loan or marriage loan is basically a personal loan that you can choose to meet all your wedding-related expenses. After determining your eligibility for a personal loan and using a personal loan interest rate calculator to determine the right term, you can easily qualify for a wedding loan.

Advantages and disadvantages of a wedding loan

Although you have at heart to organize the wedding of your dreams, it is important to ask yourself one thing: “Do I want to start my married life with a debt?”. But a wedding loan is not necessarily a bad thing.

Here are 4 reasons why availing yourself of a wedding loan can help you

  • Finance several expenses: As we all know, the grand Indian wedding is incomplete without ‘group, baja, baraat’ and all the other flourishes that accompany this monumental event. You can use a wedding loan to pay for venue, lighting, photography, decor, catering, jewelry, gifts, and more.
  • Hassle-free application: A wedding in India can be a truly harrowing experience for the person who arranges and organizes it. Luckily, getting the right wedding loan is anything but, you can easily apply for a wedding loan online – just visit your favorite bank or lending institution’s website, check the eligibility criteria, upload your documents and wait. ‘approval.
  • Quick disbursement: small loan has a quick turnaround. This means that you can access the funds quite quickly. Within 24 to 48 hours of your loan application, you will receive the loan amount paid into your account.
  • Increase the CIBIL score: A wedding loan is a great way to build a strong payment history with your partner. Paying off your wedding loan quickly will boost your credit score and put you in a good position to qualify for future loans, should the need arise.

Like any other loan product, a wedding loan also has its share of disadvantages.

Here are 3 disadvantages of using a personal loan for your wedding:

  • Higher interest rate: A wedding loan is an unsecured loan, which means you don’t have to keep any collateral with the bank. This is why wedding loans come with higher interest rates. If you don’t read the fine print carefully, you can also be slapped with high late fees or other hidden charges. We suggest running the numbers using a personal loan interest calculator and checking your monthly repayment obligation before applying for a loan.
  • Debt from day one: When you get married and start building a new life with a certain person, the obligation to repay a wedding loan is likely to put a strain on the relationship. If you have other liabilities like a student loan, things can be even more stressful. Thus, you must weigh all the factors before opting for a wedding loan.
  • Monthly Budget: Newlyweds have a slew of one-time expenses such as impromptu vacations, dinners, brunches, and unexpected guests. Having to repay a significant portion of your salary as a loan, EMI may not allow you to spend as freely as you would like. Depending on the loan amount you have applied for, you may face relatively financial hardship for years before the full loan amount is repaid.

3 factors that affect your eligibility for a wedding loan

If you want to qualify for a wedding loan, i.e. a personal loan, it is important that you meet the personal loan eligibility criteria set by the lender. Here are the three main factors that affect your eligibility for a wedding loan:

  • Your CIBIL score: Your credit card bill, loan repayment history, and credit usage determine your credit score. Most Indian lenders will check your CIBIL score to see if you are a good candidate for a loan. If you have a CIBIL score of 750 and above, your loan application will likely be approved instantly.
  • Your debt ratio: Creditors check your monthly income (whether you are employed or self-employed) to determine if you can repay the loan you are requesting. Banks will also look at your existing debts like student loan, home loan, car loan, credit card debt, etc. to establish your debt to income ratio.
  • Your job profile: Job security, work experience, applicant age, and even employer profile may be reviewed by the lender to assess your loan eligibility. All of these factors effectively indicate whether the applicant will be able to repay the loan on time without defaulting.

If you lack the funds to meet your wedding expenses, take advantage of a personal loan or wedding loan is the logical choice. You should only apply for a wedding loan after comparing the interest rates and other fees charged by different lenders. Important factors that will help you choose a lender include the maximum loan amount offered, applicable interest rate, loan term, direct debit rebate, prepayment charge and ease of foreclosure. If you are planning your wedding soon, be sure to check out Bajaj Finserv’s best wedding loan deals. By meeting the simple eligibility criteria set by the lender, you can get a great loan amount.

Warning: This content is distributed by Bajaj Finance Ltd. No TNIE Group journalist is involved in the creation of this content.

A call for volunteers as the National Museum of the Mighty Eighth prepares to lay thousands of flags for the memorial


POOLER, Ga. (WSAV) — Fallen service members will be honored Memorial Day weekend at the National Museum of the Mighty Eighth Air Force.

“This museum is established to recognize the courage and sacrifice of the 350,000 men who served in the Mighty Eighth Air Force. It was the largest air armada in the world in history, and of that number, 26,000 lost life. If you believe in this country, if you believe in the armed forces and you believe in the sacrifice that these men and women make; come here and help us remember those who have fallen,” Pete Nichols explained. , the museum’s communications manager.

Flags for the Fallen pays tribute to those 26,000 starred and striped men and women scattered throughout the Mighty Eighth Memorial Garden. Each flag creates a visual representation of the heroes who gave their lives fighting for our freedoms.

“This number is higher than any other military unit in World War II, higher than the Marines, higher than the Army, and it’s just a moment to remember their sacrifice and the courage they have. given,” Nichols added.

Volunteers are needed to help raise 26,000 flags, each representing the men and women who gave their lives to defend our freedoms in the Mighty Eighth Air Force.

“This empty garden right now will be filled with flags everywhere. It’s just amazing. The only thing is that we need people to help us do it. We block out three days to do this: Monday, Tuesday, Wednesday of Memorial Day week. The event will open this Thursday,” Nichols said.

Click or tap here register. The flags will be unfurled May 23-25, ahead of the Flags for the Fallen event which kicks off on Thursday of Memorial Day weekend.

Why You Should Apply For A Personal Loan Before Interest Rates Rise


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

Federal Reserve Chairman Jerome Powell has indicated that he wants to move a little faster on raising interest rates at the next Federal Reserve Committee meeting on May 3-4. Speaking to an International Monetary Fund panel, Powell reportedly said a 50 basis point hike (a 0.5% increase) is on the table for that meeting, according to CNBC.

The Federal Reserve Committee meeting that took place on March 16, 2022 resulted in an increase in the target interest rate varies between 0.25% and 0.5%. This decision was born out of concerns about the high inflation rate and aims to bring the inflation rate down to 2% in the long term.

When the Federal Reserve raises interest rates, all interest rates are affected. This means mortgage, credit card and personal loan rates will likely rise due to the Fed’s actions.

So if you’re thinking of taking out a personal loan for home renovations, a much-needed car repair, or even to consolidate debt, now might be a good time to submit your application before interest rates rise.

When you take out a personal loan (or any other form of credit), you must repay the loan amount in fixed, equal monthly installments over an agreed term (called the loan term). In addition to repaying the principal, you will also pay interest each month.

Each lender offers their own APR range, but these ranges can always be influenced by interest rate hikes made by the Fed. The higher your interest rate, the more it will cost you to take out a loan. Of course, the goal is to borrow money in the most affordable way possible so that you can save on those interest charges over time.

Right now, LightStream Personal Loans offer the lowest advertised interest rate on a personal loan, but of course the interest rate you receive will depend on various factors, including your credit score.

LightStream Personal Loans

  • Annual Percentage Rate (APR)

    3.49% to 19.99%* when you sign up for autopay

  • Purpose of the loan

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

  • Loan amounts

  • terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Compare offers to find the best loan

When looking for a personal loan, it can be helpful to compare multiple offers to help you determine the best interest rate and payment terms for your needs. With this nifty comparison tool, all you need to do is answer a few questions for Even Financial to determine the best deals available. The service is free, secure and does not affect your credit score.

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

How to get a low interest rate on a personal loan

If you don’t think you can apply for the personal loan you want before interest rates rise, there are still a few things you can do to save as much money as possible when you take out the loan.

Start by working on improve your credit score. Lenders use it to determine your creditworthiness and the interest rate you should be charged. Some lenders will continue to approve you if you have bad credit, but keep in mind that you will still be subject to higher interest rates if your credit is less than ideal. Generally, the higher your credit score, the lower your interest rate will be. Improving your credit score makes you more likely to be approved for lower rates in the lender’s range.

Paying your bills on time is the most important thing you can do to increase your score. FICO and VantageScore, which are two of the main credit scoring models, both consider payment history to be the most influential factor in determining a person’s credit score (it accounts for 35% of your credit score). For lenders, a person’s ability to meet credit card, utility, student loan, mortgage and medical debt payments indicates that they are able to take out a loan and to repay it.

Next, you should try to lower your credit utilization rate. Your credit utilization rate is the total balance on your credit card divided by the total amount of your available credit. So if you have a limit of $5,000 and you have a balance of $2,500, your credit utilization rate is 50%. Experts generally recommend keeping your usage below 30%, and below 10% is even better. You can lower this rate by paying off your balance or asking your credit card issuer to increase your credit limit.

Another way to try to reduce the amount you pay in interest charges is to sign up for autopay to make payments on your loan. Some lenders actually offer a small percentage APR reduction to borrowers who use this method. LightStream Personal Loans, Marcus by Goldman Sachs Personal Loans and SoFi Personal Loans are just a few lenders that offer a 0.25% interest rate reduction for using autopay.

Marcus by Goldman Sachs Personal Loans

  • Annual Percentage Rate (APR)

    6.99% to 19.99% APR when you sign up for autopay

  • Purpose of the loan

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

  • Loan amounts

  • terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

SoFi Personal Loans

  • Annual Percentage Rate (APR)

    5.74% to 21.28% when you sign up for autopay

  • Purpose of the loan

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

  • Loan amounts

  • terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Plus, another benefit of using autopay is that you never have to worry about accidentally forgetting to make a payment a month. So not only can it help make your personal loan a little more affordable, but it can also help keep your credit score intact.

At the end of the line

If you’ve been considering applying for a personal loan, now may be the time to act, as interest rates could rise in May. If you take out a large loan, having a lower interest rate could save you thousands of dollars over the life of a loan.

But if you’re not ready to take out a personal loan to cover a big expense, just work on improving your credit score and be sure to sign up for autopay when you accept your loan. This way you can save as much as possible on interest charges.

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

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

Perth City Hall: The new national museum that will tell the story of Scotland


Less than a decade after an attempt to replace Perth’s century-old town hall with a civic square was thwarted, work is underway for a dramatic reinvention as Scotland’s next major cultural and heritage attraction.

Due to open in 2024, the £26.5million project has seen the interior of the building completely stripped down since work began last summer.

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The new National Museum being created inside the building’s ‘blank canvas’ will explore how Scotland was shaped by people, places and events ‘uniquely associated’ with Perth.

It will feature everything from rarely seen prehistoric and Neolithic stone carvings and Pictish slabs to specially created exhibitions and commissions about Perth’s role as “a melting pot of commerce, religion, culture and politics”, the Scottish Reformation, the Jacobite Risings, the Highland Clearances, colonialism, slavery and modern immigration.

The star attraction will arguably be Scotland’s most famous historical artefact, the Stone of Scone, better known as the Stone of Destiny, the ancient symbol of the monarchy used for centuries at the investiture of the Scottish kings, until it was seized by King Edward of England in 1296 from Scone in Perthshire.

It is hoped the project, which is backed by both the Scottish and UK governments, will not only secure the building’s future, but help revitalize Perth city center and put the city firmly on the map as a must-visit tourist destination for the first time.

Built in 1911 following the demolition of Perth’s main entertainment venue, City Hall has hosted everything from live musical events, ceilidh dances and political rallies to markets and wrestling matches, but its condition was declining when it was closed after a new concert hall. opened nearby in 2005.

Perth’s new Town Hall is due to open to the public in 2024.

Prolonged objections from government agency Historic Scotland to its plan to demolish the building led Perth & Kinross Council to agree to release it for public use.

A project to provide a new home for the city’s nationally significant collections and attract major traveling exhibitions was part of Perth’s 2017 bid to become a UK City of Culture.

The town hall was able to move forward after the £700million Tay Cities contract backed by both governments and the council.

In an exclusive site interview, Council Culture Manager Fiona Robertson said: “City Hall is really the flagship project of a 10-year strategy for Perth.

Perth’s new Town Hall is due to open to the public in 2024.

“Tourism has always been very important to Perth, but most tourist activity has actually been concentrated in Highland Perthshire.

“We really felt that people were missing in Perth, which is not just a medieval city, but also has a thriving contemporary arts scene, and has also played a big part in Scotland’s cultural renaissance in the early 20th century, through people like William Soutar, John Duncan Fergusson and Patrick Geddes.

“A touchstone for the whole project is to tell the story of Scotland through the story of Perth and Perth & Kinross.

“There’s a whole web of different stories and connections here. We want to tell those stories from a hyper-local perspective, through particular events and people, as a lens to open up and understand Scotland more widely.

Inside the main hall of Perth Town Hall.

“The Jacobite Risings and the Highland Clearances, for example, had a very particular impact on Highland Perthshire, on the communities, on the ways of life, on the language and the landscape.

“These are very important parts of Scottish history, but they also link to other themes and stories relating to colonialism, slavery and emigration.”

JP Reid, head of collections at the council, said less than one per cent of its historic artifacts have been able to be displayed in the city’s current museum, which dates back to 1822:

He added: “The Town Hall project will give us a significant expansion of our capacity, but we are running a preservation program which means a lot of material that is not suitable for public display will be able to see for the first time. time, especially medieval materials taken from the ground.

“We should be getting an absolutely exquisite picture of what daily life was like in Perth in the 13th, 14th and 15th centuries for the first time in any significant content.”

With town centers across Scotland suffering from the combined impact of the decline in the retail industry and the impact of the pandemic, it is hoped the Town Hall project can generate the kind of beware in Perth that the V&A museum did for Dundee when it opened four years ago.

Construction work on the new east pavilion of Perth Town Hall.

Ms Robertson added: “We will tell the story of old Perth & Kinross and its part in the emergence of ancient Scotland, but the town hall will also tell of modern Scotland.

“We want to tell these two stories to appeal to a wide audience and reconnect in crucial ways with local communities.

“One of the things we found when we applied for City of Culture status in the UK was that some of our communities felt they had lost a sense of connection and pride with Perth and the wider region. This is what we want to revive.

“We all know that small towns and big cities face challenges, but it’s really important to be optimistic and forward thinking about the future.

“Perth is a small walkable city. The idea of ​​the 20 minute neighborhood is being mooted more and more as people live and work in their own community and rediscover local businesses and connect with people and places they just haven’t known before.”

“When City Hall opened, it was not a bureaucratic and administrative headquarters – it was a real gathering place where concerts, ceilidhs, dances and union rallies took place. It will be different , but we really want it to retain that spirit.”

The interior of Perth Town Hall has been stripped down to make way for new exhibitions and galleries.
Perth’s new Town Hall is due to open to the public in 2024.
Perth’s new Town Hall is due to open to the public in 2024.
What the main hall will look like when the Perth Town Hall project is complete.
Perth Town Halls

National Museum of Colombo: our heritage, our pride


A national museum is truly a mirror of a country’s historical, cultural and biological heritage as well as a place where a country’s pride is enshrined. A national museum educates people about their past heritage while awakening feelings about their country. It is the story of the National Museum of Colombo that brings the proud history of Sri Lanka closer to the next generation.

Sir William Henry Gregory of the United Kingdom (UK) took office as Governor of Ceylon on March 4, 1872. He was a keen observer of museums during his time in the UK. Due to his extensive knowledge of the works of art, even the British Museum had collaborated with him at the time.

Arriving in Ceylon for a five-year term, he was shocked by the cultural heritage that was hiding in the ruins at that time. He suggested to the British government that a museum be built to preserve Ceylon’s dying history, but the government initially rejected the proposal, citing the huge sum of money involved. Undeterred, the governor continued to use his connections to seek approval for the construction of a museum.

italian architecture

It was not until 1874 that the British government finally approved his proposal and approved the construction of Ceylon’s first national museum. Accordingly, the government architect designed the base building of the museum according to Italian architecture and the contract for its construction was awarded to Wapchi Marikkar, who built the Colombo Post Office, the Old City Hall from Pettah and the Galle Face Hotel. All its carpentry was entrusted to SM Perera.

After two years, the Colombo Museum was completed as a two-story building with ornate towers, arches and open porches. It was opened to the public on January 1, 1877, with 808 artifacts and 384 other specimens. Objects included inscriptions, various stone carvings, items such as jewelry, coins, and natural science replicas such as mammals, reptiles, fish, shells, corals, and minerals. Dr. Amarald Haley was the first director of the museum. He held this position until his retirement in April 1891.

Under the direction of Dr. Arthur Wiley and Dr. Joseph Pearson, who succeeded Dr. Haley as director of the museum, several new compartments were added to the East and West Museum. Dr. Pearson also started a magazine called “Spolia Zeylanica” to publish articles about research at the museum. At the same time, a bronze statue of Sir William Henry Gregory was erected in front of the museum in thanks for his immense service in donating a museum to Ceylon.

Golden age

After Dr. Pearson, AHS Malpas became the director of the Colombo Museum. He was the last British National Director of the Colombo Museum. After his tenure, Dr. PEP Deraniyagala was appointed to this position, ushering in a golden age for the Colombo Museum.

At his request, the Colombo Museum was designated as a national museum by the Museum Law No. 31 of 1942, and branches were opened in Jaffna, Kandy and Ratnapura. It was at this time that the British government agreed to return to the government of Ceylon the jewels and throne of King Sri Wickrema Rajasinghe kept in the British Museum.

Since then, the National Museum of Colombo, which has been developed under various directors, now has nine branches. It also has 16 exhibition stands where antiques belonging to ancient eras are kept. Another valuable feature of the national museum is its library.

Opened together with the museum, it contains a number of ancient books written on Ceylon and houses a copy of every book printed in the country since 1885. There are also pamphlet books from the pre-Christian era, a Pali version of the Mahavamsa and a brochure books donated by the King of Burma. Lately, various collections of prominent books have been donated to him and among them are the collections of HCP Bell, Henry Blake and Sir Solomon Dias Bandaranaike.

Hike in the History Books | History | News


The 1932 intrusion drew attention to the Duke of Devonshire’s decree (Image: PHOTOGRAPHY PHIL SPROSON, GETTY, ALAMY)

Yet until a protest march took place on Sunday April 24, 1932 to demand greater access to the countryside, we were allowed to enjoy very little of it. Known as the Kinder Trespass, the walk involved 400 walkers who came together to attempt to scale Kinder Scout, a plateau of moorland in the Peak District which is the highest point in Derbyshire.

It was called a trespass because Kinder was owned by the ninth Duke of Devonshire and other wealthy landowners who had barred public access.

Until the late 19th century, people could roam freely on Kinder, but permission has since been withdrawn.

The owners feared that walkers would disturb the grouse they kept there. Access to the moors was now restricted to a few guests – often other members of the landed gentry – armed with shotguns during the grouse hunting season.

For the trespassers, many of whom were factory workers, marching on Kinder was the rural escape they dreamed of at the end of a long, hard week of hard work in the industrial industries of Manchester and Sheffield.

Denying them access not only took away one of their few pleasures, but also heightened the already growing feelings of tension between classes in 1930s Britain.

The plaque commemorating the bravery of the walkers of April 24, 1932

The plaque commemorating the bravery of the walkers of April 24, 1932 (Image: PHOTOGRAPHY PHIL SPROSON, GETTY, ALAMY)

The intrusion was led by a young auto mechanic named Benny Rothman who was joined by famous folk music legend Ewan MacColl, father of Fairytale Of New York singer Kirsty MacColl.

They had planned a peaceful protest but, as the walkers climbed the forbidden slopes of Kinder, they were confronted by the Duke’s game wardens and other hired ‘heavies’ wielding sticks.

A scuffle ensued, but some of the hikers broke through and made it to the top. Back in Hayfield, at the foot of the western slopes of Kinder, the leaders of the march were arrested. Six of them were tried in court for rioting.

One was acquitted but the other five received heavy sentences ranging from two to six months in prison. None of the game wardens have been tried.

As a result, the intrusion drew national attention and his cause gained support.

Keith Warrender is the author of three books on the Kinder Trespass, the latest of which Forbidden Kinder is published to coincide with his 90th birthday.

The magnificent view of Kinder Scout

The magnificent view of Kinder Scout (Image: PHOTOGRAPHY PHIL SPROSON, GETTY, ALAMY)

He says: “Formal marching organizations at the time appealed to the Home Secretary but the sentences were not reduced. The establishment saw the trespass as a threat to society, which was really a bit far-fetched.”

Keith reveals: “The only injury to a gamekeeper was caused by someone called John Anderson who was actually opposed to the trespassing. He thought one of the Duke’s gamekeepers was overwhelmed by the walkers , rushed to help him and, raising his hand in defense of the guard, ended up hitting him by mistake. He ended up receiving one of the most severe sentences of the entire series, six months in prison. .

Twenty years ago, the 11th Duke of Devonshire, who died in 2004, traveled to the Peak District from Chatsworth, his stately home in Derbyshire, and told a crowd of 1,000 gathered to celebrate the birthday: “I am only too happy to take this opportunity to apologize for my grandfather’s conduct 70 years ago. The Great Trespass was a very shameful event for my family.

“But out of this great evil and these dreadful condemnations came great good.”

The Duke of Devonshire traveled to the Peak District from Chatsworth

The Duke of Devonshire traveled to the Peak District from Chatsworth (Image: PHOTOGRAPHY PHIL SPROSON, GETTY, ALAMY)

That great good was the creation of the National Parks, the first of which was the Peak District, and the Countryside and Rights of Way (CRoW) Act which enshrined public access to open spaces in our legislation, the culmination of a campaign fueled by the injustices of the Kinder Trespass.

That access is under threat again now, however, according to Nick Hayes, author of a Sunday Times bestseller The Book Of Trespass.

He reveals: “Only eight percent of this country is available to walk under CRoW and most of it is inaccessible to the vast majority of our population (because it is too far from the cities in which they live).

“So we are still in a place where people are fundamentally excluded from nature and all the health benefits that come with it. We need to bring nature to people’s doorsteps. Why should antlers be used only for raising pheasants and not for boosting people’s immune systems? systems?”

What Nick and the organizations he represents, such as righttoroam.org.uk, want is the legal right to roam in wild, open areas of the countryside without having to stick to narrow paths . It is very clear, however, that this should not be seen as a threat to established principles of land ownership.

Folk music legend Ewan MacColl led a protest that changed the law

Folk music legend Ewan MacColl led a protest that changed the law (Image: PHOTOGRAPHY PHIL SPROSON, GETTY, ALAMY)

“The premise of extending the right to roam is that the sanctity of (the landowner’s) privacy is respected, from the outset. And that we also exercise that right with respect for nature and the private property. We’re not advocating walking through people’s gardens or stomping around small farms. We’re talking about access to areas such as woods and greenbelts that wouldn’t hurt anyone. And even then, do it responsibly with dogs on a leash, leaving no trace of our presence.

Those sentiments are echoed by the Ramblers, a pro-walking charity that seeks to make better access to nature a key part of the government’s Leveling Up programme.

James MacColl, Head of Policy, Advocacy and Campaigns at Ramblers, told the Express: “We are seeing a big difference in people’s access to nature based on their wealth, location and age. ethnicity. So we’re trying to get the government to include access to nature as part of these policy reforms, and there’s a petition on our website that people can sign if they want to help.”

However, the Country Land and Business Association (CLA), which represents land, property and business interests in rural areas of England and Wales, has some understandable reservations about extending the area covered by the roaming right.

CLA President Mark Tufnell told the Express, “These spaces are also a workplace where land, livestock, machinery, wildlife and the environment must be respected. A significant expansion of this already vast network would also likely increase damage to spaces. depends on our already declining wildlife.”

It’s a fair point but, as Nick Hayes says, “How can we be expected to care about the destruction of our planet and its species if we’ve been so removed from nature that we don’t ‘have no personal connection with her?

One thing that cannot be denied is that wandering around the pleasant green land of England can be a good thing, provided you respect the people who live and work there.

Today’s hikers may not have to worry about being hit with a game warden’s baton or a hefty prison sentence if they stray slightly off public trails. But there are other more subtle obstacles to a pleasant walk in the countryside, such as the sabotage of panels and uprights or the blocking of rights-of-way by agricultural machinery.

Walkers, too, should be respectful of nature by avoiding stepping on crops, bringing their rubbish home and not letting their dogs disturb the livestock.

Most walkers, like most landowners, obey the rules but all parties agree that increased access, if it occurs, should certainly be accompanied by increased education on rights and duties of both parties to each other.

These days Kinder Scout is in the hands of the National Trust and, as David Toft of the Hayfield Kinder Trespass Group points out, “With around 80% of it now open to the public, it’s hard to find anywhere on Kinder where you can actually trespass!”

But, as he continues: “Other parts of the Peak District are still off limits and the situation for walkers is even more restrictive in many other parts of the country. If Benny Rothman were alive he would probably tell us that we ‘I have there is still work to do.”

• Forbidden Kinder – The 1932 Mass Trespass Revisited by Keith Warrender (£17.95, Willow Publishing) is available to order from bookstores and online booksellers. Find out more at kindertrespass.org.uk

Major expansion planned for the National Museum of the Mighty Eighth Air Force


POOLER, Ga. (WSAV) – A major expansion is in store for the National Museum of the Mighty Eighth Air Force. The $10 million campaign is underway with plans to update and expand their exhibits and facilities.

Eighty years ago, the preservation of the stories of the Eighth Air Force began. Now, the 350,000 men and women who served in the largest air armada in world history will continue to inspire future generations through what will be a 30,000 square foot expansion.

“People like Chip and his comrades in the air, they saved the world. This museum is saving their stories,” John O’Neil, museum co-chair Maximum effort project explained.

The National Museum of the Mighty Eighth Air Force preserves stories like those of 97-year-old veteran Charles. P. “Chip” Phillips, who is the last surviving member of his crew.

“I was in Eighth Air Force, 92nd Bomber Group. My whole crew is gone. I am the only one to survive. My crew and the crew of nine, and most of my phone book and my address book, most of them are gone,” Phillips said.

Every year, thousands of people pass through the museum’s atrium to learn the stories of bravery and patriotism, but many of those stories don’t always reach the next generation.

“My dad was a pilot in the Eighth Air Force, flew 32 missions. Personally, when I was growing up, I didn’t have the curiosity to ask my dad a lot of questions and try to get stories out of him, and that is usually the case with young people,” Richard “Sandy” Alderson, an Uber with the Mighty Eighth Foundation Board of Trustees added his support for the project’s goal of making history accessible to younger generations.

the Maximum effort the expansion will enlarge the museum, adding a full-size B-17 on display in the Battle Gallery. 87% of the museum’s collections are behind closed doors, the addition will expand gallery space for new exhibitions and the STEM education center, creating greater access to historical narratives and funding for preservation efforts.

“This campaign is really about keeping the museum relevant for the next generation who need to hear the message but maybe want to hear the message differently than they did 25 years ago,” Alderson explained.

Board members said the expansion will increase digital interaction for people around the world to learn about the incredible stories of the Eighth Air Force. They will begin in the fall and the completion of the project is expected to take two years.