Arizona payday loans – Arizona Heli http://arizonaheli.com/ Fri, 11 Jun 2021 17:33:15 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.2 https://arizonaheli.com/wp-content/uploads/2021/05/cropped-icon-32x32.png Arizona payday loans – Arizona Heli http://arizonaheli.com/ 32 32 Invest in Pulitzer Prize-focused journalism as we continue our fight for the truth https://arizonaheli.com/invest-in-pulitzer-prize-focused-journalism-as-we-continue-our-fight-for-the-truth/ https://arizonaheli.com/invest-in-pulitzer-prize-focused-journalism-as-we-continue-our-fight-for-the-truth/#respond Sat, 05 Jun 2021 04:01:22 +0000 https://arizonaheli.com/invest-in-pulitzer-prize-focused-journalism-as-we-continue-our-fight-for-the-truth/ For almost 20 years, we have been doing our part to support the unheard of. Undeterred by chaos or corruption, our intrepid team of investigative journalists defended democracy, exposed the truth, and spared no effort. Become a subscriber and fund our vital work to make sure the facts are always accessible. We believe honest information […]]]>


For almost 20 years, we have been doing our part to support the unheard of. Undeterred by chaos or corruption, our intrepid team of investigative journalists defended democracy, exposed the truth, and spared no effort.

Become a subscriber and fund our vital work to make sure the facts are always accessible. We believe honest information should be raw, unfiltered, and accessible to everyone. As a reader of raw stories, we know you too.

Subscribe today and join our fight. We’re tired of forcing you to deal with annoying ads. Read your news the way it should, without distraction. Go ad-free today.

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Lollapalooza Daily Schedule Released, Day Tickets Go On Sale | Music https://arizonaheli.com/lollapalooza-daily-schedule-released-day-tickets-go-on-sale-music/ https://arizonaheli.com/lollapalooza-daily-schedule-released-day-tickets-go-on-sale-music/#respond Wed, 02 Jun 2021 18:30:00 +0000 https://arizonaheli.com/lollapalooza-daily-schedule-released-day-tickets-go-on-sale-music/ CHICAGO – Lollapalooza organizers released the daily 2021 festival schedule on Wednesday, with less than two months before music lovers descended on Grant Park. One-day general admission tickets are priced at $ 130 at noon. Four-day general admission tickets ($ 375) are still available to see over 160 performances on eight stages from July 29 […]]]>


CHICAGO – Lollapalooza organizers released the daily 2021 festival schedule on Wednesday, with less than two months before music lovers descended on Grant Park. One-day general admission tickets are priced at $ 130 at noon.

Four-day general admission tickets ($ 375) are still available to see over 160 performances on eight stages from July 29 to August 1. Headliners break down like this: Miley Cyrus on Thursday, July 29; Tyler, the creator, on Friday, July 30; Post Malone on Saturday July 31; and Foo Fighters for the final on Sunday August 1.

City officials announced Lollapalooza’s return last month after the 2020 edition and other in-person music festivals in Chicago were canceled due to the coronavirus. The organizers expect to welcome another 100,000 participants each day of the festival. The registration process should be detailed next month.

Here is an overview of the daily programming.

Miley Cyrus, Illenium, Kaytranada, Playboi Carti, Black Pumas, Steve Aoki, Jimmy Eat World, Saint Jhn, All Time Low, Tchami, Dominic Fike, Kim Petras, Cash Cash, Oliver Tree, Ashe, LP, Olivia O’Brien, Orville Peck, Flo Milli, Dayglow, Slowthai, SayMyName, Dombresky, Ed Maverick, Max, Clever, Goth Babe, Justin Jay, Almost Monday, Ant Clemons, Night Lovell, Aly & AJ, Blossom, Sebastian Paul, Absofacto, Lauren Sanderson, Taylor Janzen, Christian French, Julian LaMadrid, Hoko, Migrant Motel, Tristan Simone

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Allstate buys low-cost auto insurance provider SafeAuto for $ 300 million

Tyler, The Creator, Marshmello, Roddy Ricch, Jack Harlow, Polo G, Suicideboys, Lauv, Giveon, Jauz, Subtronics, Omar Apollo, Arizona Zervas, Jacob Banks, White Reaper, AG Club, Boy Pablo, Elohim, Mick Jenkins, Petit -sons, Cam, Tobi Lou, Dabin, Riot Ten, Wooli, Emotional Oranges, Black Pistol Fire, Gus Dapperton, Jawny, Tai Verdes, Rookie, Level Up, Mob Rich, Njomza, Renforshort, Contradash, Mothica, Kenny Mason, Payday , Jake Wesley Rogers, Sa-Roc, Elephant Heart, Chomppa, Brownies & Lemonade All Stars

Governor JB Pritzker talks about reopening Illinois next week as COVID cases decline.



Post Malone, Journey, Megan Thee Stallion, Limp Bizkit, Trippie Redd, Slander, Young the Giant, Freddie Gibbs, Angels & Airwaves, Mt. Joy, Iann Dior, Marc Rebillet, Whitney, Oliver Heldens, Tate McRae, Cautious Clay, Bia , Trevor Daniel, TNGHT, Cavetown, Drama, Lost Kings, Hinds, Porches, Jessia, Cannons, Vintage Culture, CID, The Backseat Lovers, Michigander, Glove, Joy Oladokun, VNSSA, Laverie, Sophie Cates, Rence, Kid Quill, Phem , Serena Isioma, Jac Ross, Charm La’Donna, Jake Duby

Foo Fighters, DaBaby, Brockhampton, Modest Mouse, Young Thug, Alison Wonderland, Brittany Howard, Band of Horses, Dermot Kennedy, Surfaces, The Front Bottoms, Big Wild, Yellow Claw, EarthGang, Rico Nasty, JPEGMafia, Peekaboo, Princess Nokia, Flipp Dinero, Mxmtoon, Toosii, Noga Erez, Sullivan King, RMR, Peach Tree Rascals, Elderbrook, JXDN, Dr. Fresch, Sir Chloe, William Black, LP Giobbi, Chiiild, Nez, Ant Saunders, Riz La Vie, Sofia Valdes, Sarah Barrios, Neal Francis, Moore Kismet, Shy Carter, Otto, Les Aquadolls, Radkey



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What is the ethics of giving back money that doesn’t belong to you? https://arizonaheli.com/what-is-the-ethics-of-giving-back-money-that-doesnt-belong-to-you/ https://arizonaheli.com/what-is-the-ethics-of-giving-back-money-that-doesnt-belong-to-you/#respond Wed, 02 Jun 2021 13:08:18 +0000 https://arizonaheli.com/what-is-the-ethics-of-giving-back-money-that-doesnt-belong-to-you/ (The Conversation is an independent, nonprofit source of information, analysis, and commentary from academic experts.) (THE CONVERSATION) In Monopoly, a player draws the card that says “BANK MISTAKE IN YOUR FAVOR. COLLECT $ 200 ”to keep the money. But what happens when such an error occurs in real life? Kelyn Spadoni, a 911 dispatcher, recently […]]]>


(The Conversation is an independent, nonprofit source of information, analysis, and commentary from academic experts.)

(THE CONVERSATION) In Monopoly, a player draws the card that says “BANK MISTAKE IN YOUR FAVOR. COLLECT $ 200 ”to keep the money.

But what happens when such an error occurs in real life?

Kelyn Spadoni, a 911 dispatcher, recently received slightly more than the US $ 80 she expected when financial brokerage firm Charles Schwab mistakenly transferred more than $ 1.2 million to her account, apparently to cause of a software problem. When she discovered the extra money, she quickly transferred those funds to her other accounts and bought a new car and house, among other purchases.

You might wonder if it was unethical for her to keep the money instead of trying to return it. As an academic who studies the ethics of debt and finance, I think the answer is more complex than a simple “yes” or “no”.


Yes we should give back the money

Let’s take another example: suppose you find a wallet full of cash on the floor. Usually, the right thing to do would be to contact the owner of the wallet and return it, cash included.

This is because people have a prima facie obligation to return the property of others. Prima facie is a legal term, originating from Latin, which refers to something that we consider correct until proven guilty. A prima facie moral obligation is one that people normally have, unless there are special circumstances.

The Greek philosopher Aristotle helped explain why people normally have a moral obligation to return the property of others. Being honest and treating others fairly are essential virtues in life, he argued. A good person acts with integrity and with a sense of justice rather than being deceitful and greedy.

Spadoni not only spent much of the money she received in error, but she refused to respond when Charles Schwab contacted her. For an entire month, she ignored calls, emails and texts the company sent her. She has since been arrested for fraud and theft, apparently for trying to keep what was not hers.

Other questions to consider

While it would be tempting to keep money that doesn’t belong to you, to do so is morally wrong when dishonest and greedy. However, things are not always so straightforward.

This is because prima facie moral obligations depend on particular details of situations. Imagine, for example, seeing a billionaire drop $ 10 on the floor. It would still be commendable to return this money, but the moral obligation to do so is lower than in other cases.

Likewise, it should be noted that in the case of Spadoni, she received money due to an error made by a large financial institution. Moral obligations to individuals do not always translate at the institutional level, especially when an institution itself does not treat people with integrity and fairness.

Since 2012 alone, the Consumer Financial Protection Bureau has secured more than $ 12.9 billion in aid for people whose rights have been violated by financial companies. It would be unfair to compel an individual to adhere to moral standards that the finance company itself regularly violates.

Prima facie moral obligations may also be offset by other obligations. Imagine, for example, that the person who found the money wallet needed money to house or care for their children. Alternatively, imagine that the owner of the wallet was a notorious criminal who would use the returned money to hurt others.

These scenarios identify additional prima facie moral obligations to care for those in need and to avoid harming others. Doing what’s right in real life requires weighing all the relevant moral considerations.

The case of debt payments

This is important because, although Spadoni’s case may seem unique, it is in fact common to receive money that belongs to others.

Credit cards, mortgages, student loans, and payday loans, for example, are all forms of credit in which the borrower temporarily receives money that is not theirs.

The moral considerations people face when trying to pay off debts reflect questions about what to do with money that is mistakenly found or received.

Prima facie, the moral obligation to pay these debts is evident when one considers a loan as some kind of rental agreement. The borrower can use the money for a while, but should return it later, with the agreed fee or interest.

However, other moral considerations are also relevant. Personal debt levels are now at an all-time high in the United States, with more than 40% of adults having a credit card balance each month.

In a debt-saturated economy, with more than half of adults living paycheck to paycheck, people may end up having to choose between paying off debts and getting medical care or paying rent.

A small number of them can get relief by filing for bankruptcy. Bankruptcy protections are meant to help those whose debts interfere with access to important goods and services like food, shelter, education, and medical care. The idea is that debt should not deprive people of the ability to support themselves and their families.

However, a 2005 law made it more difficult and costly to file for bankruptcy, especially for those who are already behind on their bills. Many of the people who would benefit from declaring bankruptcy cannot do so because they cannot afford the legal fees.

In addition, some of these debts result from predatory or outright fraudulent lending and collection practices.

Wells Fargo, for example, was fined $ 3 billion in 2018 for fraudulently signing people into charge credit accounts. And payday lenders operate by targeting people who are already struggling to make ends meet and signing them for loans they may not be able to repay on time. When borrowers miss a payment, they incur higher interest rates and fees, putting them in more debt.

These examples indicate just a few of the ways in which the obligation to return money to others is really a prima facie case and therefore ultimately subject to real-world limits.

[Get the best of The Conversation, every weekend. Sign up for our weekly newsletter.]

This article is republished from The Conversation under a Creative Commons license. Read the original article here: https://theconversation.com/what-are-the-ethics-of-giving-back-money-that-doesnt-belong-to-you-159497.



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Invest in Pulitzer Prize-focused journalism as we continue our fight for the truth https://arizonaheli.com/invest-in-pulitzer-prize-focused-journalism-as-we-continue-our-fight-for-the-truth-2/ https://arizonaheli.com/invest-in-pulitzer-prize-focused-journalism-as-we-continue-our-fight-for-the-truth-2/#respond Thu, 27 May 2021 07:00:00 +0000 https://arizonaheli.com/invest-in-pulitzer-prize-focused-journalism-as-we-continue-our-fight-for-the-truth-2/ For almost 20 years, we have been doing our part to support the unheard of. Undeterred by chaos or corruption, our intrepid team of investigative journalists defended democracy, exposed the truth, and spared no effort. Become a subscriber and fund our vital work to make sure the facts are always accessible. We believe honest information […]]]>


For almost 20 years, we have been doing our part to support the unheard of. Undeterred by chaos or corruption, our intrepid team of investigative journalists defended democracy, exposed the truth, and spared no effort.

Become a subscriber and fund our vital work to make sure the facts are always accessible. We believe honest information should be raw, unfiltered, and accessible to everyone. As a reader of raw stories, we know you too.

Subscribe today and join our fight. We’re tired of forcing you to deal with annoying ads. Read your news the way it should, without distraction. Go ad-free today.

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Because progressive journalism matters.

In a world of sound clips, progressive journalism is light in a darkening world. With fewer watchdogs, the original journalism – and the sunlight on government – has faded. Join our commitment to detailed and detailed monitoring and reporting.

Because journalism shouldn’t be a business.

The reports you support will live for free. Raw Story and DCReport content is available for anyone to repost with attribution after 72 hours. The facts should be free for everyone. The truth cannot be possessed.

Because you want your news to be ad-free.

As the Silicon Valley giants gobble up ad revenue and web traffic, small publishers like Raw Story have been forced to employ increasingly aggressive ads to survive. Help us end ad-cluttered news.

And because… there are no “alternative facts”.

Progress relies on honesty, truth, and an examination of the world as it is. We believe the facts are sacred. Be part of a movement with us. The progressive journalism of power.

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Russia Fulfills Threat of Google Fine for “Illegal” Internet Content https://arizonaheli.com/russia-fulfills-threat-of-google-fine-for-illegal-internet-content/ https://arizonaheli.com/russia-fulfills-threat-of-google-fine-for-illegal-internet-content/#respond Tue, 25 May 2021 17:01:40 +0000 https://arizonaheli.com/russia-fulfills-threat-of-google-fine-for-illegal-internet-content/ TipRanks 2 large dividend stocks at 7%; Analysts say “buy” Let’s talk about defending your wallet. It’s a common impulse for most investors when the economy starts to take a turn for the worse. We are currently in a growth phase, with economic activity rebounding strongly after the corona crisis stops, and with the reopening […]]]>


TipRanks

2 large dividend stocks at 7%; Analysts say “buy”

Let’s talk about defending your wallet. It’s a common impulse for most investors when the economy starts to take a turn for the worse. We are currently in a growth phase, with economic activity rebounding strongly after the corona crisis stops, and with the reopening starting at full speed, economists are forecasting GDP growth of up to 8% this year. But there are clouds on the horizon. Inflation is rising and the April jobs report was, in simple terms, a disaster. The Biden administration is pushing trillion-dollar spending plans that are likely to spur inflation, while increased unemployment benefits give the unemployment rate an artificial increase. But with all this, the Federal Reserve signaled that it had no intention of raising interest rates. Written by investment banking firm Canaccord, analyst Tony Dwyer acknowledges volatile market conditions. “While major stock indexes remain near record highs, there has been incredible volatility below due to confusion around the trajectory of inflation and the Federal Reserve’s insistence that it is transient. We expect rotational volatility to continue over the next few weeks, with investors debating the inflation outlook ahead of the latest economic data in early June as the Fed enters its period of calm ahead of the FOMC meeting of 15 and June 16, ”Dwyer noted. . This all adds up to a market environment that lends itself to defensive equity games, such as a hedge against uncertainty. And that, of course, brings us to dividend-paying stocks. These are the classic defensive games, giving investors a dual path to returns, both from stock appreciation and dividend payouts. Wall Street analysts have done some of the legwork for us, identifying dividend paying stocks that have maintained high returns, at least 7% to be exact. By opening up the TipRanks database, we take a look at the details behind two of these stocks to find out what makes them compelling buys. Black Stone Minerals (BSM) We will start with a hydrocarbon exploration and development company, Black Stone Minerals. This company owns rights to more than 20 million acres, spread over 60 production basins in 40 states. The lion’s share of operations are spread from Texas to Alabama, but Black Stone also owns hydrocarbon rights and production in Montana and North Dakota, West Virginia and Pennsylvania, as well as the United States. of the Rockies. Black Stone released its financial results for 1Q21 in early May. The results showed that the company still hasn’t fully rebounded from the COVID pandemic – revenues and profits are still declining year over year. On a positive note, revenues have posted three consecutive quarters of sequential increases. Revenue was $ 87.1 million, and net profit was $ 16 million. The company reaffirmed its borrowing capacity through its revolving credit facility during the quarter at $ 400 million. During the quarter, Black Stone entered into several new development agreements, on properties in Texas, and acquired mining and royalty rights, for $ 20.7 million in cash and shares, in the northern part. of the Midland Basin. Also during the quarter, Black Stone declared a dividend of 17.5 cents per common share. At the current rate, the common stock dividend pays 7.07% and carries an annualized payment of 70 cents per common share. Raymond James analyst John Freeman is impressed with Black Stone’s Q1 development deals, and writes of the company: “BSM had an incredibly strong first quarter where it … announced another series of development contracts in Austin Chalk & Shelby Trough as well as its first acquisition since the pandemic. We have already seen phenomenal results in the very early development of the Austin Chalk and we expect more significant near-term well catalysts, this time from the Shelby Trough… ”The analyst summed up:“ Due to the significant progress, we are increasing our production estimate for 2021 to the top of BSM’s guide (up 3%), and now model a return to growth in 2022 (up around 4% from the previous model in decrease of about 1%). Along with a production profile that will soon be growing, BSM offers an attractive distribution yield and a rock solid balance sheet. Unsurprisingly, Freeman rates the stock as a strong buy and sets a price target of $ 15 suggesting a rise of around 50% for the coming year. (To see Freeman’s track record, click here) Together, Black Stone has caught the attention of 5 Wall Street analysts, whose critics break down 2-3 buys versus holds and give the stock a moderate buy consensus rating. $ 90; they have an average price target of $ 11.40, indicating a 15% upside margin over the next 12 months. (See BSM market analysis on TipRanks) Blackstone Mortgage Trust (BXMT) If we’re looking at dividend-paying stocks, we’ll naturally be drawn to real estate investment trusts (REITs). These companies, straddling property managers and financials, are known for their high dividend yields and long-term reliability Both stem from a regulatory requirement s according to which the REITs must return a certain percentage of the profits directly to the shareholders. Dividends are a convenient mode for compliance. Blackstone Mortgage focuses on secured senior mortgages in the North American, European and Australian markets. The company has a real estate portfolio of more than $ 368 billion in global value and a total of $ 649 billion in assets under management. Total assets under management include $ 196 billion in real estate assets. While BXMT’s revenue recently posted sequential declines, first-quarter revenue was still $ 185.75 million, and EPS, at 54 cents per share, was up dramatically from the loss of 39 cents reported in the last year’s quarter. During the first quarter, Blackstone closed $ 1.7 billion in new home loans, surpassing its total loan initiations in 2020. The company also declared $ 1.1 billion in available cash. The good results supported the dividend payment of 62 cents per common share. The dividend has been paid at this rate since 2H15 and the company has maintained reliable payments for the past 8 years. At the current rate, the dividend annualizes to $ 2.48 per share and gives an impressive yield of 7.74%. BTIG analyst Tim Hayes takes a bullish stance on Blackstone, noting: “The pipeline is robust and management expects earnings to benefit from continued portfolio growth and increased revenue from commissions as initiations / refunds normalize. ROEs on new creations are expected to be in line with pre-pandemic levels, with lower funding costs offsetting the pressure on asset returns. Credit performance remains solid and continues to trend in the right direction…. BXMT recognized 100% interest recovery in 1Q21, 98% of loans in progress [sic]… ”The analyst concluded:“ We believe that stocks are attractively valued, are currently trading at a discount to historical multiples, and offer a dividend yield of 7.7% – a variation of ~ 600bp from historical multiples. the yield on 10-year US Treasury bills compared to the 2-year. average prepandemic spread of ~ 475 bp. Based on the above, Hayes values ​​BXMT shares a buy with a price target of $ 35. Based on the current dividend yield and expected price appreciation, the stock has a total return profile. potential of around 16%. (To see Hayes’ track record, click here) Like BSM above, BXMT has 5 analyst reviews, with 2 to buy and 3 to hold, for a moderate buy analyst consensus rating (See BXMT Stock Market Analysis on TipRanks) For great ideas for trading dividend stocks at attractive valuations, visit Top Stocks to Buy from TipRanks, a newly launched tool that brings together all the information about stocks from TipRanks Disclaimer: The opinions expressed in this article are solely those of the featured analysts. The content is intended to be used for informational purposes only. It is very important to do your own analysis before making any investment.



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The paralysis of Lebanon and the collapse of the state https://arizonaheli.com/the-paralysis-of-lebanon-and-the-collapse-of-the-state/ https://arizonaheli.com/the-paralysis-of-lebanon-and-the-collapse-of-the-state/#respond Tue, 25 May 2021 11:35:08 +0000 https://arizonaheli.com/the-paralysis-of-lebanon-and-the-collapse-of-the-state/ The international community is failing to speed up government formation in Lebanon, even with an economy in the throes of collapse. Video transcript ZEINA KHODR: Pizza Hut is the latest international chain to shut down as Lebanese politicians failed to stop the economic collapse. These are the same people who are accused of having made […]]]>


The international community is failing to speed up government formation in Lebanon, even with an economy in the throes of collapse.

Video transcript

ZEINA KHODR: Pizza Hut is the latest international chain to shut down as Lebanese politicians failed to stop the economic collapse. These are the same people who are accused of having made the country the third most indebted country in the world.

ABU ABBASS: [SPEAKING ARABIC]

INTERPRETER: They are thieves and crooks. It is a mafia state. They stole everything.

ZEINA KHODR: The consequences of decades of mismanagement and corruption are obvious. In some intersections, the traffic lights do not work. The infrastructure is crumbling.

ALI BABHDADI: [SPEAKING ARABIC]

INTERPRETER: In the first place, there is no state. So how can there be traffic lights?

ZEINA KHODR: In other streets, manhole covers are missing. Authorities, who cannot afford to replace them, say growing poverty is the reason people are robbing them. For many it is a daily struggle in a country that matters almost everything.

The quality of life of the Lebanese people is changing. There is a fuel shortage, for example, and the central bank’s foreign exchange reserves are running out to keep prices affordable.

There is also a problem in obtaining medication.

HUDA: [SPEAKING ARABIC]

INTERPRETER: Sometimes we can’t find an alternative medicine, so we have to wait for someone from abroad. But medicine cannot wait.

[SPEAKING ARABIC]

INTERPRETER: It’s not just medicine. Finding milk for children is just as difficult.

KARAM SAFWAN: [SPEAKING ARABIC]

INTERPRETER: There is no humiliation worse than this, and people say it will get worse. We are suffocating.

ZEINA KHODR: Public hospitals, long underfunded and neglected, are now at the forefront of healthcare as more people lose their jobs and private insurance.

HUSSEIN KATAYA: The company provided medical supplies for the hospital. They pay the billing. Need an invoice and pay in dollars. It is not available in our hospital because we are a government hospital.

ZEINA KHODR: The lack of hard currency in a country near bankruptcy is also affecting the military, which now receives donations from various countries to help feed its soldiers, whose salaries have been slashed by 80%.

CHARBEL WEHBE: [SPEAKING ARABIC]

INTERPRETER: The budget is the same, but the currency has devalued. Most of the soldiers’ needs are imported, including food. So it affects their morale and nutrition.

ZEINA KHODR: Daily power cuts, which have been a part of life for years, are getting worse as cash flow for fuel imports runs out. Lebanon is increasingly described as a failed state. Zeina Khodr, Al Jazeera, Beirut.



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Man accused of repeatedly raping child in Hudson Valley https://arizonaheli.com/man-accused-of-repeatedly-raping-child-in-hudson-valley/ https://arizonaheli.com/man-accused-of-repeatedly-raping-child-in-hudson-valley/#respond Mon, 24 May 2021 11:19:31 +0000 https://arizonaheli.com/man-accused-of-repeatedly-raping-child-in-hudson-valley/ A man from the Lower Hudson Valley is accused of raping a child in the Mid-Hudson Valley. New York State Police at Cortlandt Barracks, working with the Putnam County Children’s Advocacy Center, announced the arrest of Fabian Huiracocha Barbech, 36, of Yonkers on Friday. The Yonkers resident has been charged with two counts of second […]]]>


A man from the Lower Hudson Valley is accused of raping a child in the Mid-Hudson Valley.

New York State Police at Cortlandt Barracks, working with the Putnam County Children’s Advocacy Center, announced the arrest of Fabian Huiracocha Barbech, 36, of Yonkers on Friday. The Yonkers resident has been charged with two counts of second degree rape, a Class D felony.

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After receiving advice from law enforcement, members of Cortlandt’s Criminal Investigation Office began investigating two cases of alleged rape. The investigation found that Huiracocha Barbecho raped a victim under the age of 15 in Philipstown and the town of Peekskill, according to New York State Police from Cortlandt Barracks.

Fabian Huiracocha Barbecho was arraigned in Peekskill City Court on Tuesday and returned to Westchester County Jail in lieu of $ 20,000 cash bond, $ 30,000 bond, or partially secured bond of 40,000 USD.

Keep reading:

33 “ Most Wanted ” in New York

New York State authorities, including the FBI, have identified these people as his “most wanted fugitives.” Officials are asking for help in locating them but warn that they must be considered “armed and dangerous”.

Warning: these 14 scams have deceived many in New York State

Signature drinks of each state

The 100 Best Places to Live on the East Coast



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Checks That Could Change Your Financial Life Smart change: personal finance https://arizonaheli.com/checks-that-could-change-your-financial-life-smart-change-personal-finance/ https://arizonaheli.com/checks-that-could-change-your-financial-life-smart-change-personal-finance/#respond Thu, 20 May 2021 12:00:27 +0000 https://arizonaheli.com/checks-that-could-change-your-financial-life-smart-change-personal-finance/ A savings account with only a few hundred dollars is often enough to break the paycheck cycle. “Most of the unexpected expenses that people face are actually in the range of a few hundred dollars,” Tescher says. Most low- and middle-income families earn enough money to cover their expenses, but there is often a cash […]]]>


A savings account with only a few hundred dollars is often enough to break the paycheck cycle.

“Most of the unexpected expenses that people face are actually in the range of a few hundred dollars,” Tescher says.

Most low- and middle-income families earn enough money to cover their expenses, but there is often a cash flow mismatch between when they need the money and when it arrives, Tescher says. This can lead to late fees, bank overdrafts, utility shutdowns, and other unpleasant consequences.

“Then getting out of the mess is time consuming and expensive,” says Tescher. Tapping into an emergency account and then replenishing it can fill these gaps.

Other ways to improve your financial health

Once you have an emergency start-up fund, you may want to pay off payday loans, credit cards, and the like. costly debt, Westley said. The less interest you have to pay on the debt, the more money you have for the uses you choose.

People could also start or increase their retirement savings, either by contributing to an individual retirement account or by increasing their contributions to a work plan such as a 401 (k). Although the tax credit money cannot be put directly into a corporate plan, you can use it to replace contributions that flow from your paycheck.



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Unemployment benefits do not create a labor shortage, they empower workers https://arizonaheli.com/unemployment-benefits-do-not-create-a-labor-shortage-they-empower-workers/ https://arizonaheli.com/unemployment-benefits-do-not-create-a-labor-shortage-they-empower-workers/#respond Fri, 14 May 2021 16:50:54 +0000 https://arizonaheli.com/unemployment-benefits-do-not-create-a-labor-shortage-they-empower-workers/ As businesses began to reopen, we have been subjected to more and more bribes from business owners, especially service-oriented restaurants and similar workplaces, who insist that ‘they are facing a labor shortage. The argument, some argue, is that unemployment benefits are too generous and discourage work, preventing employers from hiring workers. Fortunately, these stories are […]]]>


As businesses began to reopen, we have been subjected to more and more bribes from business owners, especially service-oriented restaurants and similar workplaces, who insist that ‘they are facing a labor shortage. The argument, some argue, is that unemployment benefits are too generous and discourage work, preventing employers from hiring workers. Fortunately, these stories are refuted by workers, journalists, and analysts armed with a combination of personal experience and hard data. However, as expert after expert dissects the flaws in employers’ arguments, it has become clear that what worries employers is not a labor shortage at all: it is a transfer of power.

For years, employers have had access to a workforce where workers were so desperate they would take any job offer. The combination of a poverty minimum wage, historically low union density, unlimited employment, poor classification of workers, a battered safety net, lack of paid time off or employer-sponsored benefits and a host of other policies and practices scales to employers, allowing for pervasive exploitation and abuse, especially for 3 out of 4 Americans living paycheck to paycheck even before the pandemic.

The situation is more dire after a job loss. Newly laid-off workers are likely to have almost no safety cushion – more than half of consumers $ 3,000 or less in their combined checking and savings accounts in 2019. They may also not have access to unemployment benefits. 28 percent of eligible unemployed in 2019 actually received benefits. This makes workers desperate for any job, no matter how terrible, that can help them get by. During a recession with mass layoffs, as millions of people face the same desperation, companies have all the power to offer dangerous jobs in places like overcrowded meat packing plants and bustling restaurant kitchens in overqualified candidates with meager compensation, unless the government intervenes.

Unemployment insurance, especially improved benefits during the pandemic, gives workers leeway. Benefits are not enough for people to live tall – even with the extra $ 300 per week, unemployment benefits will be woefully insufficient for a modest family budget. every county in the country. Benefits simply allow workers to be slightly less desperate, easing the pressure to take dangerous jobs – many of which are particularly dangerous during a pandemic – that pay poverty wages. Instead, they can hold out a little longer for higher paying jobs that match their skills, education, experience and interests.

A dishwasher, Jeremy, told reporter Eion Higgins that “the stimulus and unemployment benefits have certainly helped me to be more picky about the jobs I will take because I don’t have to take anything to pay the rent and the groceries.” Another, Alan, said: “I have a degree in forestry and being relatively financially secure now, I can take longer to find a job in the field I really want to work in.” A third, Owen, said: “I left because having some free time to think and plan helped focus my desire to be better paid and better treated… I expect to do so. minus the double and finally have nights and weekends off. I hope I’ll be treated with a little more dignity, but I know that’s not always the case.

It is very different from saying that unemployment benefits discourage work in general. Unemployment insurance studies have shown that laid-off workers who receive benefits look for jobs harder, receive better paid offersand assume roles that better match their level of education. Specifically during the pandemic, several studies looked at the enhanced benefits of $ 600 and found that they had little at no effect at employment or job search. It’s hard to see how the current $ 300 hike would be any different.

Few workers even had access to unemployment insurance initially.

Despite what many companies, commentators and lawmakers try to argue, the data continues to prove that UI does not stand in the way of hiring. While overall employment growth in April was disappointing, the leisure and hospitality sector – where most of the employers’ cries of labor shortages come from – in fact accelerated employment growth with 206,000 hires in March and 366,000 in April. In total, 430,000 people joined the workforce (meaning they weren’t looking for work before but are now), but this growth has come entirely from men while women left the workforce on the net in April, which suggests it has more to do with a continued lack of child care. States with higher unemployment benefit levels, as well as low-wage sectors where benefits are more often higher than previous incomes, have in fact seen faster job growth, indicating that unemployment insurance is not the cause of the slowness in hiring.

In fact, few workers even had access to unemployment insurance initially. From April 2020 to January 2021, only 18% of the unemployed had received unemployment benefits in the past two weeks at some point. It’s even worse for black (13%) and Asian (11%) workers and those without a college degree (12%), all of whom are overrepresented in low-wage industries like recreation and hospitality. Undocumented immigrants are also totally excluded from unemployment insurance, but they are 10 percent of restaurant workers nationwide and nearly 40 percent in cities like New York and Los Angeles. We saw the consequences of this early in the pandemic when meat packing plants convinced the government to declare them essential, allowing them to recall their employees to work and leading to major outbreaks of COVID among their workforce, disproportionately made up of immigrants and people of color, and in communities where the plants are localized.

Even so, employers have managed to complain quite loudly that they may have lost a hint of power as sympathetic lawmakers are rushing to accommodate them. In mid-May, in 16 states and countingRepublican governors had announced their intention to bar all their residents from receiving their legitimate federal unemployment benefits, citing anecdotes companies that are struggling to hire at their current salary as a justification. End these benefits before the jobs are there and during millions still losing their jobs each month will take billions of dollars – more than 10 billion dollars from the nearly 2 million unemployed in an estimation – outside the economy of these states, even if some of these excluded people find work, and will effectively slow down the recovery thanks to reduced spending.

If there was a labor shortage, employers have common sense options to make themselves more competitive: they could raise wages to acceptable levels because many companies have been successful or are lobbying their fellow lawmakers to support immunization efforts and fund safe and affordable child care. Instead, some companies rely on half-measures, such as offering one-time signing bonuses, precisely because they know these are insignificant compared to what a worker would earn in the long run. with higher wages all the time. Many others are simply continuing the same rhetoric they have relied on for over a century – through the New Deal, the Great Society, welfare reform and the Great Recession – by claiming that workers who dare to demand more are lazy and ungrateful. It is no coincidence that the same people who are now crying to end unemployment benefits are also opposing the wage increase law, the PRO law and other measures that could improve materially. life and empower workers.

This power struggle has made its way to the president’s office. In a white house Monday speech, President Biden said: “Anyone who collects unemployment who is offered a that suits the job must accept the job or lose its unemployment benefits. (Emphasis added.) The government must now decide who should define “suitable”. Businesses would like this to mean the pre-COVID status quo: low wages, inconsistent hours, minimal benefits (if any), and limited protections. Workers want this to mean that jobs are secure and offer a decent quality of life – including decent wages, manageable hours, and accommodations for caregiving and quality of life.

The Biden administration has taken positive steps to define a good job for federal contractors, set a minimum wage of $ 15, raise standards and strengthen anti-discrimination protections. It is vital that the administration continues to support all workers in the face of overwhelming management power. There is no shortage of means to do this: they can lobby to improve the unemployment insurance system through federalization or the establishment of minimum standards and automatic stabilizers, such as those proposed in the Wyden-Bennet reform bill; pass it Increase the wage law increase the minimum wage to $ 15 and eliminate wages below the minimum; implement better regulations and enforcement to prevent pay theft, overtime abuse, misclassification, and OSHA safety violations, among other abuses; pass it PRO Law ensure that workers can exercise their right to organize into trade unions; and more.

We cannot continue to give employers all the power in the labor market. President Biden and other lawmakers must make it clear that now is the time to stand with workers and give them a say in their own working conditions and livelihoods.





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As more theaters go cashless after pandemic, Arizona State University experts see downsides https://arizonaheli.com/as-more-theaters-go-cashless-after-pandemic-arizona-state-university-experts-see-downsides/ https://arizonaheli.com/as-more-theaters-go-cashless-after-pandemic-arizona-state-university-experts-see-downsides/#respond Fri, 14 May 2021 16:16:17 +0000 https://arizonaheli.com/as-more-theaters-go-cashless-after-pandemic-arizona-state-university-experts-see-downsides/ As businesses and destinations begin to reopen after the pandemic has ended, consumers will likely see more places without cash. Chase Field in downtown Phoenix, home of the Arizona Diamondbacks, will reopen at full capacity later this month. When the stadium was opened to a limited number of fans in April, the team announced a […]]]>


As businesses and destinations begin to reopen after the pandemic has ended, consumers will likely see more places without cash.

Chase Field in downtown Phoenix, home of the Arizona Diamondbacks, will reopen at full capacity later this month. When the stadium was opened to a limited number of fans in April, the team announced a new policy of not accepting cash. Fans use a smartphone app to book parking and to order and pay for concessions. Cash is not accepted at dealership counters, parking garages or the team store.

The east entrance to the Grand Canyon, closed for over a year, reopened last month with a policy of only accepting park passes and credit cards – no cash.

Going cashless won’t be a major drawback for people who already use their debit or credit cards almost everywhere, but it does raise privacy and fairness concerns, according to two experts from Arizona State University.

“It’s more hygienic because there is less contact and you don’t share bills and change,” said Geoffrey smith, clinical associate professor of finance in the WP Carey Business School at ASU.

“Things are heading towards cashless, but now is the right time for businesses to roll it out when consumers accept it more under the guise of security.”

Plus, companies don’t have to rent armored cars to transport large amounts of cash.

Some companies accept digital payment services, like Apple Pay, Smith said.

“I think it’s the future, where you use your phone and get rid of cards,” he said. “People like speed, convenience and accurate record keeping.

“You can go out to dinner and split the bill right at the table on everyone’s phones.”

Additionally, Smith is even seeing physical retail sites adopting cashless policies.

“Some places try to get rid of cash registers in stores by switching to some kind of shopping where you put your item in the cart and it will charge you right then,” he said.

Amazon Go and Amazon Go grocery stores use this method, where there are no payment lines.

“It saves space and frees up manpower,” Smith said. “Retail needs to compete with the online experience, so these types of instant payments allow retail to be more competitive.”

But he sees that some people prefer to use cash for privacy reasons.

“There is a loss of privacy. All of your transactions are now electronically tracked and people can see where you have been, how much you spent and what you bought, ”he said.

As consumers’ purchases add up, the data can be leveraged to gain more personal information.

“For example, if you go to the same place every day for a coffee, a company may infer that you work in that region because you are there 200 days a year at 8 am,” he said. he declares.

But the move to cashless transactions raises equity concerns as low-income people are less likely to have accounts with traditional banks, according to Debra radway, Lecturer at WP Carey School and Certified Financial Planner.

“Many banks have minimum balance requirements, they have overdraft fees and a lot of fees in place that make the cost prohibitive for a low-income person to have an account at a traditional bank,” he said. she declared.

“With large institutions, they usually have a minimum amount that you have to keep in your account or you have to have direct deposit to waive the fees.”

A traditional bank’s charge for an overdraft could be $ 40 or $ 50, she said, although credit unions typically charge less.

Banks are for-profit businesses and make money from large fees and balances carried by customers, which they can lend, by charging interest.

“They have a requirement that they have to be in underserved communities, but typically banks are focused on making a profit so that they seek out the most profitable customers,” Radway said.

A 2019 investigation by the Federal Deposit Insurance Corporation found:

  • In the United States, 5.4% of households, or about 7.1 million, were “unbanked,” with no checking or savings accounts.
  • The percentage is much higher for black households, 14%, and Hispanic households, 12%.
  • Unbanked households said the main reason was that they did not have enough money to keep an account.
  • About 7% of unbanked households had a credit card.
  • According to another FDIC survey in 2017, two-thirds of unbanked households reported paying their bills in cash.

However, being unbanked doesn’t mean avoiding fees.

“If you’re low-income and don’t have a checking account and you’re paid by check, you have to pay an additional fee to cash that check,” Radway said.

“If you want to see who serves the poor, it’s the check cashing companies and the payday loan companies. When the poor live paycheck to paycheck, they run out and have to take short-term loans and wait for their next paycheck to come in to cover it.

“These tend to have high annualized fees, but if you don’t have an account, you have no choice.”

Not everyone subscribes to the cashless trend. Last year, New York City joined with Philadelphia and San Francisco in banning stores from going cashless over fairness concerns, especially the difficulty that homeless and undocumented people face. would have to deal with the acquisition of bank accounts.

Some sites recognize that many consumers still use cash. At Staples Center in Los Angeles, where the Lakers play, concessions are cashless, but fans can use cash-to-card kiosks in the arena to convert dollar tickets into prepaid cards at no cost.

Radway said other countries, like China, use digital wallets that are not attached to bank accounts.

“It will be interesting to see how we move towards paying on our cashless phones,” she said.

“These fintech companies offer banking services and let you move money without a bank.”



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