Donors – Matice Zasovska http://www.maticezasovska.cz/ Sat, 18 Sep 2021 23:19:11 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 http://www.maticezasovska.cz/wp-content/uploads/2021/07/icon-4-150x150.png Donors – Matice Zasovska http://www.maticezasovska.cz/ 32 32 UNC-Chapel Hill Dean of Journalism, Hannah-Jones Dissenting Donor :: WRAL.com http://www.maticezasovska.cz/unc-chapel-hill-dean-of-journalism-hannah-jones-dissenting-donor-wral-com/ Wed, 07 Jul 2021 00:25:02 +0000 http://www.maticezasovska.cz/unc-chapel-hill-dean-of-journalism-hannah-jones-dissenting-donor-wral-com/ Walter Hussman, the donor named on the UNC-Chapel Hill School of Journalism, and Dean Susan King disagree on how much value Nikole Hannah-Jones would have brought to the campus. Show transcript AND ANY WEATHER RISK. YOU CAN RECEIVE STORM PATH ALERTS FOR FREE IN YOUR APP STORE. >>> THE DEAN OF THE SCHOOL OF JOURNALISM […]]]>

Walter Hussman, the donor named on the UNC-Chapel Hill School of Journalism, and Dean Susan King disagree on how much value Nikole Hannah-Jones would have brought to the campus.

]]>
UNC donor says he doesn’t regret his role in journalism school losing Nikole Hannah-Jones http://www.maticezasovska.cz/unc-donor-says-he-doesnt-regret-his-role-in-journalism-school-losing-nikole-hannah-jones/ Wed, 07 Jul 2021 00:02:08 +0000 http://www.maticezasovska.cz/unc-donor-says-he-doesnt-regret-his-role-in-journalism-school-losing-nikole-hannah-jones/ Nikole Hannah-Jones will not accept a full professor position at the University of North Carolina School of Journalism at Chapel Hill. The teachers are livid there. They said in an open letter Tuesday that his treatment by the university was “appalling” and downright “racist”. Some blame pressure from Walter Hussman Jr., the $ 25 million […]]]>

Nikole Hannah-Jones will not accept a full professor position at the University of North Carolina School of Journalism at Chapel Hill. The teachers are livid there. They said in an open letter Tuesday that his treatment by the university was “appalling” and downright “racist”.

Some blame pressure from Walter Hussman Jr., the $ 25 million donor the school is named for, for Hannah-Jones’ decision to take a position at Howard University instead.

Unsurprisingly, Hussman doesn’t see it that way. He had expressed strong reservations, he told me in a telephone interview, about the accuracy of “Project 1619,” a New York Times extensive review of slavery conducted by Hannah-Jones.

“I have no judgment on her (personally) – I’ve never met her,” he said. “… I’m sure I did what I should have done in the right way. I did not lobby against his appointment.

Even if it wasn’t, I asked, hadn’t Hussman suggested that she would be a better fit at another university? He advocates a traditional view of objectivity as a core value for journalists and said in a previous interview, “If she’s in their favor (her core values ​​list), maybe we could work together.” But if she opposes it, I’m going to wonder why did she want to go to work in a journalism school where she opposes the school’s core values?

Hussman said he meant he and Hannah-Jones would have a basis for talking anyway. He didn’t mean to say that she would be happier elsewhere if she didn’t agree.

He added that he had hoped to meet Hannah-Jones and the Dean Susan King School of Journalism, at least through Zoom, after Hannah-Jones was offered the position at UNC this spring, but the reunion never happened.

The sequence of events is important to understand, Hussman told me. He first learned of the efforts to recruit Hannah-Jones from King last August. Offered an introduction, he said he didn’t think it was appropriate at this early stage.

Rather, Hussman carefully read “Project 1619” and found that he agreed with some academic critics that he was exaggerating the importance of slavery as a possible cause of the American Revolution. In emails to King and other prominent university administrators, he said so.

“The narrative has become ‘a rich old white man trying to deny a talented young black reporter an opportunity,’” Hussman said. He reiterated that his objections were about the scholarship, not the person.

Despite his reservations about his much-publicized historical essay, which cited in his Pulitzer Prize for commentary, he said he had no objection to the board vote last week to offer Hannah-Jones a full term as well as a Knight Chair in race and investigative reporting.

The delays in that vote were at the heart of a very public controversy over whether administrators were undermining a faculty and administration recommendation regarding tenure.

A few years earlier, right after his gift to UNC, Hussman said, he made it a point to travel the country and talk to leaders and journalism educators about his ideas on core values.

Despite his own advocacy for objectivity, Hussman continued, he is well aware that the concept is being called into question. At one point, he said, he suggested inviting a debate with New York University journalism professor Jay Rosen, who argues in his academic work and social media posts that neutrality on both sides has become obsolete when it comes to the lies of former President Donald Trump and his supporters.

Hussman also attended a symposium with the editors of the Daily Tar Heel on whether their student journalists should be allowed to express their opinions in social media posts. He didn’t think so, but they said yes.

And it’s open to further debate, Hussman said.

Hussman, 74, has been the editor of the family-owned Arkansas Democrat-Gazette in Little Rock since his twenties. Parent company WEHCO Media also has large stakes in the cable system, the source of much of its wealth.

As the leader of a newspaper, Hussman is an iconoclast, opposed since the early 2000s to the provision of free digital content. More recently, it has pursued a strategy of printing only one day per week, offering subscribers iPads to read an e-replica version on the other days of the week.

As a southerner, Hussman admitted, he is sensitive to the charge of racism. In one statement written earlier Tuesday, he writes, “I certainly did not influence the ideology of the school; in fact, i firmly believe that a journalism school should not have ideology. Their job is to teach journalism, not ideology. I also don’t think (Hannah-Jones) tried to disparage white Americans. I think all those individuals of different races who fought side by side to end slavery and defend civil rights should be celebrated for working together. “

]]>
Tribes challenge New York’s authority over loans http://www.maticezasovska.cz/tribes-challenge-new-yorks-authority-over-loans/ Tue, 09 Mar 2021 11:35:00 +0000 http://www.maticezasovska.cz/tribes-challenge-new-yorks-authority-over-loans/ Chester Higgins Jr./The New York TimesKatya Jestin, a lawyer for Western Sky Financial, an online lender sued by the New York attorney general, said the lawsuit was trying to circumvent loan agreements. Updated, 20:46 | Since becoming New York State’s chief financial regulator in 2011, Benjamin M. Lawsky has aggressively pursued wrongdoing well beyond state […]]]>
Chester Higgins Jr./The New York TimesKatya Jestin, a lawyer for Western Sky Financial, an online lender sued by the New York attorney general, said the lawsuit was trying to circumvent loan agreements.

Updated, 20:46 | Since becoming New York State’s chief financial regulator in 2011, Benjamin M. Lawsky has aggressively pursued wrongdoing well beyond state borders, investigating financial consultants in Washington, D.C., on domestic insurance industry practices and foreign money laundering practices.

On Wednesday afternoon, two Native American tribes, their companies attacked by Mr. Lawsky, argued in Federal District Court in Manhattan that the regulator had exceeded its jurisdictional limits.

Tribes, each across the country, are in Mr. Lawsky’s sights for online lending transactions executed from their reservations. Last month, the New York City Department of Financial Services unveiled an aggressive campaign against the payday lending industry, seeking to root out internet businesses that offer small, short-term loans at exorbitant interest rates.

But the Indians retaliated. They sued Mr. Lawsky, arguing that their sovereign status protects them from New York regulation. The two plaintiffs in this case are the Otoe Missouria Tribe, in Red Rock, Okla., And the Lac Vieux Desert Band of the Chippewa Indians of Lake Superior, in Watersmeet, Michigan. The Otoe Missouria Tribe operates American Web Loan and Great Plains Lending, and the Old Lake Indian Race CastlePayday.com.

“On its own, New York is saying ‘We are in control,’” David Bernick, the tribal lawyer, said in front of a courtroom filled with Indian leaders.

“My clients’ businesses are destroyed because New York City decided that tribal sovereignty didn’t matter to them,” Bernick said. “It is an exercise in arrogance, and people suffer for it.”

Mr. Lawsky did not attend Wednesday’s hearing before Judge Richard J. Sullivan. But in court documents, he said despite tribal claims of sovereignty, he had the power to protect vulnerable New York consumers from Indian-run businesses that cross reserve borders. He argued that isolating tribal businesses from regulation would hamper New York’s ability to enforce its laws against predatory lending.

“State laws like the New York Usury Laws can validly be applied to economic transactions between Native Americans and New York consumers when those transactions have significant and damaging off-reserve effects – as is the case here. , given the crippling debt that payday loans cause in New York. Yorkers, ”Lawsky’s attorneys wrote in a court file.

As part of an effort by regulators across the country to root out illegal payday lending, Mr Lawsky last month sent letters to 35 online lenders – 11 of whom claimed ties to Indian tribes – asking them to “cease and desist” from offering loans with interest. rates which in some cases exceed 500 percent per annum. He also sent letters to more than 100 banks, informing them of his investigation and asking for their cooperation.

As states crack down on payday lenders, Indian tribes have sought to fill the void by entering the industry in recent years. They say these e-commerce businesses have become vital sources of income, especially for tribes whose remote locations hamper their ability to operate successful casinos. Loan income represents about half of the Otoe-Missouria tribe’s non-federal budget, according to a court record.

“Every Indian tribe worth its salt must provide health care, public safety, education and a host of essential services to its members,” said Matthew LM Fletcher, law professor at University of Michigan and an authority on Indian law. “These tribes have to move out of the reserve to do business because there is a desperate need for income.”

But New York regulators say the cases violate state law. After Mr. Lawsky sent his “cease and desist” letters, the New York Attorney General,Eric T. Schneiderman, filed a lawsuit against Western Sky Financial, an online lending business operating on the Cheyenne River Sioux reserve in Eagle Butte, SD Last week, Western Sky, based in Timber Lake, SD, suspended operations and laid off nearly 100 employees. An affiliate company, Cash Call, remains in operation. Western Sky has also accused New York State of going too far.

A lawyer representing Western Sky, Katya Jestin of Jenner & Block, said her client would decide to dismiss the lawsuit next week on grounds similar to those of the tribes who had already filed a lawsuit against Mr Lawsky.

“The consumers voluntarily took out the loans and agreed, when they signed the loan agreements, to be bound by the laws and courts of the Cheyenne River Tribe,” Ms. Jestin said. “The New York trial is an attempt to circumvent these agreements.”

The concept of tribal sovereignty predates the formation of the United States and is preserved in treaties between the federal government and Indian tribes. While Congress can regulate the affairs of tribes and limit their sovereignty, states do not have this power.

Tribal lawyers argue that Congress, when it passed the Dodd-Frank Wall Street regulatory law in 2010, could have chosen to exercise its authority over the lending activities of tribal nations. Instead, Dodd-Frank put states and tribes on an equal footing under federal consumer finance regulations. The law, tribal lawyers said in a court filing, “explicitly refused to subject tribal lenders to state jurisdiction.”

The tribes compare online lending companies to their gambling operations. They argue that New York State should not be able to prevent its residents from voluntarily taking out high-interest loans, just like State anti-gambling laws cannot prohibit tribal casinos from serving New York residents who visit their homes. And each tribe says it has created its own regulatory authority.

Credit industry experts noted that if the tribes were not allowed to do business in New York City, they could still provide high-interest loans to consumers elsewhere. Payday loans – named because they’re often secured by the borrower’s next paycheck – are illegal in just 15 states. Tribal businesses could also issue loans in New York State at a maximum interest rate of 16%.

Regulators across the country are also concerned about the issue of a tribe’s rent. In these cases, rogue payday lenders have teamed up with Native Americans, using tribal sovereignty as a shield to make predatory loans beyond the reach of state usury laws.

Investigators are also examining the role of banks in providing capital to tribes to carry out their lending activities.

Mr. Lawsky’s office appears to be interested in these matters. Garrett Coyle, an attorney with the New York attorney general’s office, told the judge on Wednesday that New York would like to further examine the sources of tribal funding and whether these loan companies “are bona fide weapons of their respective tribes. . “

Correction: September 13, 2013
An article published Thursday on a lawsuit by two Native American tribes challenging the authority of New York’s main financial regulator to oversee lending transactions executed from their reserves misidentified the operator of one such lender, Western Sky. Financial on the Cheyenne River Sioux reservation in South Dakota. It is owned and operated by an individual resident of the reserve, not by the tribe itself.

]]>
Nationwide customer payment holidays reported on credit reports http://www.maticezasovska.cz/nationwide-customer-payment-holidays-reported-on-credit-reports/ Tue, 09 Mar 2021 11:35:00 +0000 http://www.maticezasovska.cz/nationwide-customer-payment-holidays-reported-on-credit-reports/ Nationwide Building Society told us that it falsely reported details of payment holidays arranged on some personal loan accounts as “missed payments” to the three major credit reference agencies – Equifax, Experian and TransUnion. Nationwide insists it quickly realized its mistake and contacted agencies asking them not to upload the data, and provided replacement data […]]]>

Nationwide Building Society told us that it falsely reported details of payment holidays arranged on some personal loan accounts as “missed payments” to the three major credit reference agencies – Equifax, Experian and TransUnion.

Nationwide insists it quickly realized its mistake and contacted agencies asking them not to upload the data, and provided replacement data correctly describing people’s accounts as up to date. However, it is believed that a credit reference agency uploaded the incorrect information.

The construction company says it worked with the relevant agency – which MoneySavingExpert.com has confirmed to be Equifax – to replace the incorrect information, and this was corrected on Tuesday, May 19. Nationwide insists that there will not be a “continuing impact” on the credit reports of the affected borrowers and that the issue is now resolved – although if you are concerned that you have been affected, check your credit report. credit and if you spot anything wrong, contact Nationwide as ASAP.

For more information on loan, mortgage and credit card payment holidays, see our Help with Coronavirus Finances and Bills to guide.

What didn’t go well?

Nationwide says it uploaded some personal loan payment holidays to Equifax, Experian, and TransUnion as missed payments rather than contract payments. The mortgage lender says the problem only affects payment holidays for customers with personal loans, not those who have taken credit card or mortgage payment holidays.

He maintains that he quickly realized the error and alerted credit reference agencies not to upload the erroneous data.

However, MoneySaver Annalese contacted us to tell us that she had received a negative alert from two credit monitoring apps – Clearscore and CreditWise. When she logged in, she saw that the most recent payment on her Nationwide personal loan had been recorded as “missing or past due”. Clearscore uses data from the Equifax credit reference agency.

Nationwide’s payment holiday terms and the regulator’s payment holiday guidelines state that there should be no impact on the credit reports of clients taking payment holiday. Annalese says she wouldn’t have taken the vacation if she thought her credit report would be affected. She said: “I am very angry. I am currently talking about an application with a mortgage broker and I have told him that I have a ‘very good’ credit rating. I have never missed a payment on anything, ever. “

Nationwide has confirmed that Equifax has now corrected the error and replaced the payment holiday data with the correct data. It says that customers who were affected by the error and who are checking their credit report should now see that their payments are reported as up to date.

Annalese told us that her loan payment now appears as up to date on her credit report. She says Nationwide also offered her compensation for the error.

How can I check if my payment holiday has been correctly reported?

If you’ve taken any type of payment holiday, it’s always worth checking your credit report to see that it was reported correctly – and given this issue, that’s especially the case if you have taken a personal loan payment holiday with Nationwide.

If you were up to date on your payments on a particular loan, credit card, or mortgage before the payment holiday, your credit reports should always tell you that this product is up to date. If you were already in arrears with payment and you were granted a payment holiday, you should not be marked as overdue for further payment due to the payment holiday.

For security reasons, it is worth checking your reports from the three credit reference agencies, Equifax, Experian and TransUnion (formerly Callcredit), although only Equifax downloaded the erroneous data from Nationwide and has now corrected the mistake. For step-by-step help, see our guide on how to check your credit reports for free.

Although Nationwide insists that this error has now been corrected, if you check your credit report and find something wrong, contact Nationwide as soon as possible.

What does Nationwide say?

A Nationwide spokesperson told us, “After sending our regular update to the credit reference agencies, we noticed that some personal loan payment holidays were wrongly reported.

“We apologize for the mistake … There is no ongoing impact on members’ credit records.”

Equifax has also confirmed that the issue has been resolved.

]]>
The new space race fueled by private funds and ambitions has just received a major boost http://www.maticezasovska.cz/the-new-space-race-fueled-by-private-funds-and-ambitions-has-just-received-a-major-boost/ Tue, 09 Mar 2021 11:35:00 +0000 http://www.maticezasovska.cz/the-new-space-race-fueled-by-private-funds-and-ambitions-has-just-received-a-major-boost/ Private companies around the world are rushing to reach the moon by next year. Through Susanna Kim 12 May 2016, 16:36 • 5 minutes to read Share on FacebookShare on twitterEmail this article ?? – One of the American companies that wants to take your business to the moon has just received a huge financial […]]]>

Private companies around the world are rushing to reach the moon by next year.

?? – One of the American companies that wants to take your business to the moon has just received a huge financial boost as part of the privatized global moon race.

Astrobotic Technology was founded by a team at Carnegie Mellon University in 2007 when Google announced a competition for engineers to land and drive a rover on the moon’s surface and send HD videos back to Earth by the next. end of 2017. Astrobotic announced this week that it has raised $ 2.5 million in seed funding, in part from Space Angels Network, a group of investors that funds early stage space startups.

Sixteen teams, from countries such as China, Israel, Brazil, Canada and Chile, compete in the Google Lunar XPRIZE competition, up from 29 in 2007. The grand prize is $ 20 million, but Google has already awarded millions of dollars in three different stages. competition. Only Pittsburgh-based Astrobotic Technology won all three of these competitions, taking home a total of $ 1.75 million in prizes in January 2015.

Astrobotic said it plans to fly its first mission to the moon before the end of 2017. An Astrobotic Technology spokesperson told ABC News that even though the company doesn’t win Google’s contest, it still plans a pipeline of regular missions to the moon beyond its first.

Only one other US company, Florida-based Moon Express, has won the Google milestone awards. This company won awards for “landing”, which tested hardware and software for a soft landing, and “imaging”, which tested optics and image processing capability. . However, Moon Express has a grip on Astrobotic when it comes to fundraising. Moon Express has raised over $ 30 million, TechCrunch reported.

Astrobotic customers pay $ 1.2 million per kilogram for delivery to the lunar surface, and it can range from everything from cremated human remains to personal memories. Hendrickson says it is “a very low cost to write history and open the Moon to a new era of activity.”

So far, Astrobotic has entered into 10 deals for “payloads” on the first mission of individuals, businesses, universities, nonprofits and governments. The Mexican Space Agency, or Agencia Espacial Mexicana, sends the first Latin American payload to the moon via the company’s lunar delivery service.

Seven of the ten payloads in the first mission are unrelated to the Google contest, Hendrickson told ABC News.

“Only three of the fifty plus space agencies have ever landed on the moon,” said Hendrickson. “Our offering is a fundamental change in the affordability of lunar access. It will enable a new era of activity on the Moon without increasing existing space budgets.”

Astrobotic decided to team up with two other teams, AngelicvM from Chile and Hakuto from Japan, agreeing to transport their rovers to the moon in a bid to win the grand prize. They have an undisclosed deal to share the potential prize money.

Teams have until December 31 to submit a verified launch contract to advance in the competition, and only two teams have done so at this point: Israel’s SpaceIL and Moon Express.

“At XPRIZE, we believe the competitive spirit brings breakthroughs that once seemed unimaginable or impossible, and so we’re thrilled now to have two Google Lunar XPRIZE teams with verified launch contracts attempting missions to the Moon in 2017, “Chanda Gonzales, senior manager of Google Lunar XPRIZE, told ABC News. “The new space race is truly on.”

]]>
Experts Offer Advice to Those Unable to Pay Mortgages Amid COVID-19 Pandemic http://www.maticezasovska.cz/experts-offer-advice-to-those-unable-to-pay-mortgages-amid-covid-19-pandemic/ Tue, 09 Mar 2021 11:35:00 +0000 http://www.maticezasovska.cz/experts-offer-advice-to-those-unable-to-pay-mortgages-amid-covid-19-pandemic/ COVID-19 and the oil and gas crash have taken a huge toll on the finances of many Oklahomans. It has become something as simple as paying the mortgage for some really tough people. “People ask me a lot of questions,” said Ellie Wade, senior mortgage manager at First United Bank. “Most of the time, what […]]]>

COVID-19 and the oil and gas crash have taken a huge toll on the finances of many Oklahomans. It has become something as simple as paying the mortgage for some really tough people.

“People ask me a lot of questions,” said Ellie Wade, senior mortgage manager at First United Bank. “Most of the time, what can I do if I can’t make my payments? Can anyone help me? ”

The short answer is yes. Calling up your mortgage institution should be the first priority.

“No one should ever be ashamed of it, that’s why it exists, to help protect you, to make sure you keep your home,” Wade said. “We don’t want you to lose it.”

You have until the end of December to request forbearance payments. No word if this is going to be extended.

“They normally have between three months and 180-190 days in advance, and then if that continues they can extend an additional 180 days,” Wade said. “Right now they can have a total of 360 days of abstention.”

Only take advantage of it if you really can’t pay your mortgage. Payday loans, experts say, should be banned.

“Stay away from payday loans, these don’t help your (credit) score,” Wade said. “Someone over there is telling people to go get payday loans and that’s a huge mistake.”

Never do what you feel uncomfortable doing. There are people and places who are ready to help.

“There are so many options that are going to eventually help you out of the situation, so just be sure to talk to your investor or service agent and make sure they explain all of your options to you,” he said. said Wade.

]]>
Online OCR alternatives and similar websites http://www.maticezasovska.cz/online-ocr-alternatives-and-similar-websites/ Tue, 09 Mar 2021 11:35:00 +0000 http://www.maticezasovska.cz/online-ocr-alternatives-and-similar-websites/ Image to text conversion is an understandable term because a user may think of it as typing or writing by hand or manually. But this hectic thing can be turned into a hassle-free task using online OCR. OCR stands for Optical Character Recognition. OCR to word conversion becomes useful when a writer is tasked with […]]]>

Image to text conversion is an understandable term because a user may think of it as typing or writing by hand or manually. But this hectic thing can be turned into a hassle-free task using online OCR. OCR stands for Optical Character Recognition. OCR to word conversion becomes useful when a writer is tasked with manually typing an entire book with many pages, as it will take too much time and energy.

There are many free OCRs available on the Internet that provide image to text services. In fact, free OCR can do this conversion efficiently. It can also help you convert images to text; What does it mean? Yes, you can insert an image or a text image then it will render the result to you as typed text.

It was designed for special purposes. Online OCR was used to convert text from a printed piece of paper. Optical character recognition will transfer bank statements, invoices and computerized receipts to databases.

The first step in OCR is to scan or detect all of the text present in an image. Then it will easily convert the image to text within seconds. This task seems difficult, but for your computer it is okay. The computer will perform this conversion effortlessly. The speed of your device is also not affected. You will only be asked to upload the required image, and it will have you easily get a text of that image in no time.

All formats are supported:

It supports all image formats. So, you don’t need to worry about your required image format. It will quickly convert all types of images to text. Users use OCR to convert even a small piece of the image to text like quotes, poetry, essays, etc. Then people like to share with their friends through social engines.

Searching becomes easy with converting images to text:

You will have a hard time finding an image while searching, but the text will be found easily. The value of online OCR then becomes even more important. A user cannot find the desired image among thousands of images from the electronic device. The user may be able to forget where they stored this image. But suppose once you convert it to text using online OCR, it will become hassle-free.

Reduce the effects on costs:

Without using OCR, you will have to pay other workers to write the text manually for you. But if you are done with free online OCR, it will reduce the expense of hiring workers.

Some of the reasons OCR fails to convert photo text with 100% accuracy. These reasons are written below:

Damaged photo or vague text on the image:

Suppose the required image is not in good condition, or the writing on this page is unclear. Then, OCR cannot work well to produce the desired conversion.

Bad handwriting on the page:

Bad writing will also be a reason that OCR cannot work accurately. OCR today makes your writing style more important.

Old printer versions:

When you use old printers to print an image, it causes some problems, for example, ink-soaked ribbon on that paper. Then you download this paper to scan it by OCR, and the accuracy will be 80% due to this old printer error.

  1. Search engine reports:

This free online ocr tool is the best and most reliable tool that will provide image to text conversion in no time. You can use this image to text converter by Searchenginereports.net for free without paying a single penny or registering.

  1. Soda PDF:

All document goals can be achieved using this OCR alternative. You can perform editing, converting, merging, splitting and many more tasks with this tool.

  1. DocuPhase:

It is a document management tool that provides services like access control, collaboration tools, archiving and retention, etc.

  1. Readiris:

It is an OCR tool. The following features are provided by indexing, batch processing, multi-language, convert to pdf, etc.

First of all, you must have a scanned copy of the required photo. For this purpose, you can use any online scanning tool available on the internet. Then you need to do the following steps:

  • Choose the required image file.
  • Upload the file or you can also choose it from Dropbox.
  • Website URLs can also be provided where required.
  • Press the “Convert” button after downloading the file successfully.
  • Click the “Download” icon after the OCR conversion is complete.
]]>
Launch of a new South African fintech start-up http://www.maticezasovska.cz/launch-of-a-new-south-african-fintech-start-up/ Tue, 09 Mar 2021 11:34:58 +0000 http://www.maticezasovska.cz/launch-of-a-new-south-african-fintech-start-up/ A new South African fintech startup, Payment curve, aims to provide an early access solution to wages and improve the financial well-being of users for employees and employers. Functioning as an early access ethical salary solution, PayCurve provides an innovative service to locals Launched in June 2020 in the wake of the Covid-19 pandemic, the […]]]>

A new South African fintech startup, Payment curve, aims to provide an early access solution to wages and improve the financial well-being of users for employees and employers.

Functioning as an early access ethical salary solution, PayCurve provides an innovative service to locals

Launched in June 2020 in the wake of the Covid-19 pandemic, the top priority of PayCurve’s fintech solution is ethics. It leverages fintech to give employees financial freedom without adding to their debt load.

Founded by a team of Johannesburg-based entrepreneurs, PayCurve aims to help employees achieve financial well-being.

Tamir Sacks, CEO of PayCurve, says his interest in payroll access solutions was piqued after reading a Harvard University article that highlighted the benefits of fintech liquidity solutions for employers and staff.

“It became very clear towards the end of 2019 that this simple but new concept had the potential to change the way South Africans support each other throughout the month, simply by allowing a commitment with their end-of-month wages. “

Coming from a consumer-focused lending background, Sacks immediately recognized the potential this early payday access model could have in a local context. In South Africa, the use of short-term credit is the norm as most employees have to wait up to 30 days for the next pay cycle.

Sacks adds that an early paycheck solution like PayCurve is a necessity for most South Africans who live paycheck to paycheck every month. With the possibility of unforeseen expenses occurring during the month, PayCurve offers a simple solution for residents.

“They often look to other emergency credit products like payday loans and short-term credit. As such, South Africa is clamoring for alternative and affordable credit solutions, and we believe PayCurve offers this financial lifeline. “

How it works

For businesses, employees can create their account with PayCurve. Access to the platform offers users the opportunity to get their earned salary throughout the month.

Sacks explains that the platform ensures that the service is delivered ethically and that multiple data points are considered when calculating the amount of money available to a specific employee.

“We have designed a solution that includes a variety of guarantees to ensure that our payday access is delivered in a responsible and ethical manner. “

This additional measure prevents users from going overboard and maintaining their budget.

PayCurve also offers additional support in the form of financial literacy classes, monthly budgeting tools, and, if needed, debt consolidation for employees requiring additional financial intervention.

Read more: Five South African crowdfunding platforms
Read more: SA tech startup launches a B2B workshop for technology companies

Featured Image: Tamir Sacks, CEO of PayCurve (provided)

]]>
Veterans and retirees – Target of pension predators http://www.maticezasovska.cz/veterans-and-retirees-target-of-pension-predators/ Tue, 09 Mar 2021 11:34:58 +0000 http://www.maticezasovska.cz/veterans-and-retirees-target-of-pension-predators/ Another form of pension poaching involves lawyers, financial planners and insurance agents trying to persuade veterans over 65 who have pensions to invest in insurance products so that they can benefit. VA assistance and assistance benefits that help pay for assistance with tasks of daily living. Such actions prompted a stern warning from the Federal […]]]>


Another form of pension poaching involves lawyers, financial planners and insurance agents trying to persuade veterans over 65 who have pensions to invest in insurance products so that they can benefit. VA assistance and assistance benefits that help pay for assistance with tasks of daily living. Such actions prompted a stern warning from the Federal Trade Commission last year.

“What they don’t reveal is that these transactions could mean the veteran loses his eligibility for Medicaid services or loses the use of his money for an extended period of time. Adding insult to injury, the advisers charge fees ranging from hundreds to thousands of dollars for their services, ”the FTC warned.

Beverly Walsh was a retired teacher in Lynnwood, Washington, who had served in the Navy during World War II. In 2006, an insurance agent specializing in senior finance sold Walsh, then 81, a 10-year annuity valued at $ 215,000. In 2009, she purchased a second annuity valued at $ 100,000. The agent also persuaded her to create a trust so that she and her husband, an army veterinarian with Alzheimer’s disease, could benefit from Medicaid and the Aid and Assistance allowance. , in addition to obtaining a veteran’s pension.

No claims for pensions, Medicaid, or aid and assistance benefits were ever made, and no arrangements were made for her husband’s care.

Walsh’s niece, Holly Beuthin of Renton, Wash., Spent two years unraveling the details and complaining to state agencies.

The insurance agent “earned her trust for several years and then forced her to make those financial decisions that she was not able to understand,” said Beuthin, who had the pleasure of seeing the State fine the officer for financial misconduct in the case of his aunt. and revoke his license.

Beuthin was able to get all of his aunt’s money back, but his aunt didn’t live to see him. Beverly Walsh died last year at age 88.

Washington Attorney General Bob Ferguson (D) only proposes a few laws each year. This year, one of the five he proposed was to protect veterans from what he calls “pension poachers.”

“Aid and assistance scams involve hawkers posing as investment ‘advisers’ preying on vulnerable elderly veterans or their surviving spouses with the lure of an untapped federal benefit.” said a summary of the legislation prepared by his office.

In March, the Washington legislature passed a law, approved by the AARP, that prohibits insurance agents from providing assistance to veterans for benefits that could result in financial gain for the agent.

“We hope this will serve as a deterrent,” said Ferguson, whose father and uncles served in World War II. “We see a lot of crime, but few are more egregious than those that try to rip off our veterans.”

What is done

Over the past year, officials in several other states and on Capitol Hill have begun to focus on pension poaching.

In Vermont, State Senator Kevin Mullin (R) worked with AARP Vermont on a bill that was passed unanimously in both houses of the legislature and was enacted by Gov. Peter Shumlin (D) in April. It requires pension lenders to comply with the same banking and consumer protection regulations as other lenders, including the requirement to be licensed.

]]>
The increase in online sports betting is having a negative effect on young men http://www.maticezasovska.cz/the-increase-in-online-sports-betting-is-having-a-negative-effect-on-young-men/ Tue, 09 Mar 2021 11:34:56 +0000 http://www.maticezasovska.cz/the-increase-in-online-sports-betting-is-having-a-negative-effect-on-young-men/ While online sports betting sites have struggled to make up for lost revenue during COVID-19, new research shows the sudden rise in the industry could negatively impact the lives of young men. A study by Darragh McGee of the University of Bath focused on 32 men between the ages of 18 and 35 who were […]]]>

While online sports betting sites have struggled to make up for lost revenue during COVID-19, new research shows the sudden rise in the industry could negatively impact the lives of young men.

A study by Darragh McGee of the University of Bath focused on 32 men between the ages of 18 and 35 who were regular online sports players, who were asked to keep a diary of all their betting activity. .

After 30 days, each went through an in-depth interview where they reflected on their sports betting experiences and how it impacted their lives.

A new study from the University of Bath followed regular online sports players aged 18-35 for 30 days and found that many struggled with debt, anxiety and an inability to enjoy the games. without betting on them.

Feedback was largely negative, with respondents reporting a wide range of emotional and financial stress brought on by their betting activities.

According to McGee, research suggests it may be time to view online sports gambling as a health issue rather than a financial issue.

“We urgently need to reframe the debates on sports gambling, to recognize it as a public health issue that has important implications for individual, family and community well-being,” McGee said in an interview with the University of Bath News Blog.

As you might expect, one of the most common forms of distress was anxiety and over-indebtedness, which could quickly spiral out of control.

“I am visibly in debt because of the payday loans,” said a 31-year-old man. “I’m blacklisted with them all. I’m in debt of around £ 15,000 to them alone. Everything for the game. ‘

“It took my life for a while. When my daughter was born, I used to sit on the computer to play continuously all day. ‘

According to the study, an immediate change that could help those struggling with their gambling habits would be a ban on “whistling” on sports betting advertisements during games.

According to the study, an immediate change that could help those struggling with their gambling habits would be a ban on “whistling” on sports betting advertisements during games.

Many have reported that the ease and anonymity of online interfaces, especially smartphone apps, makes the need to keep betting overwhelming, even as debts rise.

“It attracts people, definitely,” said the 23-year-old. “And that encourages you to think bigger. Bet 365 was making a 100% bonus if you deposit £ 200. ‘

“Suddenly you think you have £ 400 credit to bet on. And you have to bet a number of times, but the offer has caught your eye by the time you realize it.

Some betting journalists, their habits had gradually changed, so that they could not enjoy watching a game without having money on it.

Some betting journalists, their habits had gradually changed, so that they could not enjoy watching a game without having money on it.

Ironically, many respondents said their gambling habits had ruined their ability to play sports.

“When I was younger I couldn’t wait to come home from school to see Man United play in the Champions League,” said a 23-year-old.

“Now I’m sitting there thinking about what to bet tonight. I can’t remember the last time I watched the game like a real fan. ‘

According to McGee, a few simple changes could have an immediate effect on the industry, including a ban on “whistling” on advertisements for sports betting services during a game.

“Greater accountability should also be demanded from the major stakeholders in sport, including clubs, athletes, league associations and event organizers who benefit from the revenue streams provided by gaming operators without due consideration. implications for the public health of their fans, ”McGee said.

]]>