Arizona payday loans – Arizona Heli http://arizonaheli.com/ Wed, 15 Sep 2021 07:14:14 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://arizonaheli.com/wp-content/uploads/2021/05/cropped-icon-32x32.png Arizona payday loans – Arizona Heli http://arizonaheli.com/ 32 32 What Are Payday Loans? | Nasdaq https://arizonaheli.com/what-are-payday-loans-nasdaq/ https://arizonaheli.com/what-are-payday-loans-nasdaq/#respond Wed, 01 Sep 2021 12:32:27 +0000 https://arizonaheli.com/what-are-payday-loans-nasdaq/ What Are Payday Loans? Do you know those “quick cash” places you hear about? They are payday lenders and they are not your friends. Payday loans depend on desperate people with few other options to keep their doors open. How they work Let’s say your car breaks down on the side of the road or […]]]>

What Are Payday Loans? Do you know those “quick cash” places you hear about? They are payday lenders and they are not your friends. Payday loans depend on desperate people with few other options to keep their doors open.

How they work

Let’s say your car breaks down on the side of the road or your electricity has been cut off due to non-payment. You have no money in the bank and your credit rating is low. A payday lender might sound like a good idea. After all, they don’t require a credit check and promise to get you the cash you need fast.

According to a personal loan study by The Ascent, you could end up paying 400% or more in interest because of the way payday loans are designed. (Interest rates in 2019 ranged from 154% to 677%.) The average interest rate on a credit card is 16.16% according to the CreditCards.com weekly credit card rate report. And, at the time of this writing, the annual percentage rate (or APR) on the best personal loans for bad credit tops out at around 35.99%. Considering these statistics, charging over 400% is the act of a predatory lender.

Part of the problem is this: In 2019, 33 states still allowed payday loans. (Some other states have ended these predatory lending practices.) None of the 33 states that still allow payday lenders to operate limits the amount of interest charged.

How they keep you hooked

Whether you are visiting the physical location of a payday lender or taking out a payday loan online, lenders make it easy for you. All they need is some ID, proof of your gross monthly income, and a post-dated check. You tell them how much you want to borrow and they ask you to write a check for the amount you borrowed, plus fees. They make you post-date the check for two weeks.

If you can’t repay the loan in full by the due date (and the average borrower can’t), you owe them the original amount you borrowed, any fees they added to the loan, and the charges. interest accrued over these two weeks. Let’s say you initially took out a small loan of $ 500. Two weeks later, you could owe $ 600 or more.

Hey, that’s okay, at least according to the payday lender. They will give you another loan to pay off the first loan. Now you will need to borrow the $ 600 (or more) you owe on the original loan and another round of loan fees. Between principal, fees, and finance charges, you’ll likely end up owing $ 700 or more two weeks later.

Payday lenders are not naive. They know you have other financial obligations. It is in their best interest to continue borrowing to repay past borrowings. When you finally pay off all of the debt, they end up with more money due to excessive fees and interest. Even small dollar loans can be very expensive.

An exit

We can’t tell you about payday loans without suggesting other ways to find money when you are in trouble.

Consider a cash advance

If you have a credit card, a cash advance loan may be the solution. Cash advances generally carry a higher interest rate than regular credit card purchases, so we don’t normally suggest that you withdraw one. However, when the choice is between a cash advance with an APR of 30% or a payday loan with an APR of 400% or more, a cash advance clearly wins. Most cash advances come with a fee and start earning interest immediately, so try to pay them off as quickly as possible.

Turn to your friends and family

If you only need enough to keep you going until your next payday, the help of a friend or family member might be the way to go. Before borrowing, make sure you can repay the loan as promised. There are few things worse than leaving someone else embarrassed because you couldn’t live up to your end of the deal.

Check charities

Let’s say you paid to fix your car but now you have no money to feed your family. A number of organizations offer services to help. Help is available with just about everything from groceries to utility bills to transportation. Need Help Paying Bills has a long list of organizations, who they help, and how to contact them.

Apply for a bad credit loan

As mentioned, borrowers with bad credit may still be eligible for a bad credit personal loan. Your interest rate is likely to be high, but it’s better than paying 400% interest.

An installment loan like this offers several advantages:

  • You will know exactly how much your monthly payments will be and when the loan will be repaid in full.
  • You can ‘set it and forget it’ by scheduling automatic monthly payments from your bank account.
  • If you want to pay off the loan quickly, you can choose a short term loan.
  • Personal loans are available from local banks, credit unions, and online lenders.
  • You can avoid a predatory high interest rate.
  • As long as you stick to the repayment plan, your credit score is likely to increase.

In short, trying one of these options instead of falling victim to predatory payday loans is good for your bottom line.

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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.


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“It went well”: watch the USAF unload an A-10 on a public road https://arizonaheli.com/it-went-well-watch-the-usaf-unload-an-a-10-on-a-public-road/ https://arizonaheli.com/it-went-well-watch-the-usaf-unload-an-a-10-on-a-public-road/#respond Mon, 30 Aug 2021 21:28:38 +0000 https://arizonaheli.com/it-went-well-watch-the-usaf-unload-an-a-10-on-a-public-road/ The head of the US Africa command, Marine General Thomas Waldhauser, expressed concern about China’s growing military presence in Djibouti. He said China’s claim that it was building logistics facilities in Djibouti was not correct as Beijing was in the process of creating a full-fledged military base that would sit alongside the US and French […]]]>

The head of the US Africa command, Marine General Thomas Waldhauser, expressed concern about China’s growing military presence in Djibouti.


He said China’s claim that it was building logistics facilities in Djibouti was not correct as Beijing was in the process of creating a full-fledged military base that would sit alongside the US and French bases in that country. strategic Indian Ocean.

It would be the first time that NATO allies – France and the United States – would have to face a military base under the command of a competing nation in the same location.

“We’ve never had a base of, let’s just say a competitor, as close as this one is,” said Waldhauser. “So there’s a lot of learning going on, a lot of growth going on. “

“Yes, there are very important operational security issues, and I think our base there is important for us because it’s not just AFRICOM that uses [it]”He told Breaking Defense.

An MV-22 Osprey prepares to lower its ramp to disembark Marines during a non-combatant evacuation training operation in Djibouti, Africa, Jan. 5, 2017. (US Marine Corps photo by Lance Cpl. Brandon Maldonado)

In January 2016, Chinese Foreign Ministry spokesman Hong Lei told reporters in Beijing that the facilities were to support China’s escort missions in the Gulf of Aden and would not lead to a base. military.

He explained, “Ships have been sent by China to the Gulf of Aden and waters off the Somali coast for escort missions in recent years. In the accomplishment of the escort missions, we encountered real difficulties for the supply of the soldiers and the refueling with fuel and food, and we considered it really necessary to have close and efficient logistical support. China and Djibouti have consulted and reached consensus on building logistics facilities in Djibouti, which will allow Chinese troops to better fulfill escort missions and make new contributions to peace and security. regional stability.

“The nature of the facilities involved is clear, which consists of providing logistical support to Chinese fleets carrying out escort missions in the Gulf of Aden and in the waters off the Somali coast,” the spokesperson said.

But General Waldhauser told reporters in Washington at the end of March: “It should be characterized as a military base. This is the first for them. They never had a base abroad.

Speaking to the US Senate Armed Services Committee in early March, General Waldhauser said, “Just as the United States pursues strategic interests in Africa, so international competitors, including China and Russia, do. the same. Whether it is with trade, the exploitation of natural resources or the sale of arms, we continue to see international competitors engaging with African partners in a manner contrary to international standards of transparency and good governance.

“These competitors weaken the ability of our African partners to govern and will ultimately hamper Africa’s long-term stability and economic growth, and they will also undermine and diminish the influence of the United States – a message we must continue. to share with our partners, ”added General Waldhauser. .

President Ismail Omar Guelleh of Djibouti has taken a new direction as he strengthens relations with China at the apparent expense of longtime allies France and the United States.

The United States now has special forces members in Djibouti under its Joint Special Operations Command (JSOC) to counter increased al-Shabaab activity in East Africa.

Soldiers assigned to the East African Response Force train for emergency operations May 30, 2015. (Photo: US Air Force Staff Sgt. Gregory Brook)

French and US military dominance in Djibouti was reduced in February 2014 when Chinese Defense Minister General Chang Wanquan signed a strategic security and defense partnership agreement with Djiboutian Defense Minister Hassan Darar Houffaneh .

Under the agreement, the country offered military facilities such as the use of the port of Djibouti by the Chinese navy.

Mr. Houffaneh said that in exchange Djibouti had requested the expansion of military cooperation so that the operational capacities of the country’s armed forces can be strengthened “in order to safeguard security in the country and help consolidate peace and security. in the sub-region “.

But an analyst in Nairobi, speaking to the Ghanaian News Agency in 2014, wondered how this arrangement would work, given that the United States and France had more or less entrenched security roles in Djibouti.

“The American and French governments have interests in Djibouti that are completely different from those of China,” he said. “This could lead to disputes between France and the United States, on the one hand, and China, on the other hand, which could jeopardize the security of East Africa. Djibouti is a crucial member of the East Africa Standby Force, which will coordinate with the African Union’s African Standby Force, and as such, President Guelleh should ensure that his country remains true to the mission of the ASF to maintain peace and security in the region.

Under President Barack Obama, the United States had bypassed the issue of a Chinese military base in Djibouti, but now, under Donald Trump and his hard line on Beijing’s global influence, the issue of the Djibouti base has taken hold. front of the stage.


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Complain and Get Results | Nasdaq https://arizonaheli.com/complain-and-get-results-nasdaq/ https://arizonaheli.com/complain-and-get-results-nasdaq/#respond Thu, 26 Aug 2021 18:51:24 +0000 https://arizonaheli.com/complain-and-get-results-nasdaq/ In 2019, Terry Smith, of Jacksonville, Fla., traded in his 2019 Corvette Grand Sport for a Chevrolet Silverado pickup from the same year. But soon after I bought the truck it started to go wrong and some parts had to be replaced immediately. He had problems with the transmission, air conditioning and traction, Smith says. […]]]>

In 2019, Terry Smith, of Jacksonville, Fla., traded in his 2019 Corvette Grand Sport for a Chevrolet Silverado pickup from the same year. But soon after I bought the truck it started to go wrong and some parts had to be replaced immediately. He had problems with the transmission, air conditioning and traction, Smith says. He contacted a friend, a lawyer, who advised him to complain to General Motors before taking legal action (see below for more details on lemon laws).

Smith called GM and described the truck’s problems. He told the company he could take legal action but would rather not. GM agreed to take a look at the truck, but found it to perform as expected. Despite this, Smith’s lawyer friend advised him to call back and be persistent. After three months of appeals and complaints, GM agreed to pay him $ 5,000.

Last May, after the prices of used cars and trucks soared, Smith decided to sell the Silverado. He had it appraised by CarMax, who offered him $ 1,000 more than he had originally paid for. “In the end, I basically got paid to drive it for a year and a half,” says Smith.

Dealing with a defective product or poor service can be frustrating. But by using proven strategies to complain effectively, you will have a good chance of being satisfied. Most of all, stay calm and polite, and be prepared to persevere. Dealing with a business can be time consuming and often requires patience.

Stay calm

Before picking up the phone or going online, take the time to prepare your case. And whenever you need to complain, remove your emotions from the conversation first. Essentially, be nice, says Barbara Khozam, a customer service consultant. This is because an angry customer can put a customer service representative on the defensive.

The more accurately you can describe the details of your situation, the more likely you are to get results, says Khozam. But while providing context and the big picture is important, be careful not to overwhelm the business with unnecessary information. “Make sure that when you file a complaint, you only state the facts,” says Michaela McDonald, certified financial planner in New York City. If you bought a faulty product, take photos and attach them to an email or social media post. If you have a complaint about a service, it may be helpful to review the description of the service and point out what was omitted or changed in your case, McDonald explains. You can even copy and paste the description of the service into your message to the company.

Also, if you’ve called a business multiple times about incompetent service and been ignored, explain how many times and when. If you are a loyal customer, you can also mention how long you have been with the company and what you like about the company.

Aim for the top

Either way, talking to a human is often your best bet. So if you’re not getting results by submitting an online form or using an automated online chat system or automated telephone attendant, see if you can reach a customer service representative. Sometimes that’s not easy – phone menus and websites may not provide a way to contact a representative directly – and you may have to look outside of company resources for instructions on how to get in touch with a representative. a real person.

Doing a little bit of your own research can go a long way. Try visiting www.gethuman.com, which has phone numbers and shortcuts for reaching a real person in a number of businesses. You can also often find the names and contact details of company CEOs and C suite employees through LinkedIn or on websites such as www.ceoemail.com.

An owner or manager is more likely to be able to help you than most other employees in the business, says Khozam. “And if you communicate your situation in a calm and detailed manner, an owner or manager can probably do something about it,” she says.

The role of social media in consumer complaints has grown significantly in recent years. “Social media reviews can make or break a business,” says Khozam, and a good business with a good owner will be at the top of its social media presence. Sometimes a business will even ask someone to review their social media. But while leaving an online review or commenting on a company’s social media page can be an effective way to quickly grab their attention, Khozam recommends using social media as a last resort.

Contacting a consumer protection agency or government office can help. But make sure you understand its role; some organizations mediate between the consumer and the business, while others simply collect complaints to spot trends. In many cases, the Better Business Bureau (www.bbb.org) will forward your complaint to a business and work with both parties to resolve the issue. For a list of groups that can help you, as well as sample letters and other tips for an effective complaint, go to www.consumer-action.org for a “How to Complain” manual, which is available. in three languages.

If your bank or any other type of financial service provider makes a mistake at your expense, you can file a complaint with the Consumer Financial Protection Bureau. The CFPB has handled more than half a million consumer complaints in the past year, said Scott Steckel, responsible for the stakeholder engagement program for consumer response at CFPB. The most common complaints recently have been problems with credit, debt collection or checking and savings accounts. But the CFPB sees “the whole cascade of consumer complaints in consumer financial services,” says Steckel. You can turn to CFPB for help with transactions with a bank or with a broker, insurer or other financial service provider. The agency also deals with issues related to auto loans and payday loans.

If you have a complaint, file it on the CFPB website (www.consumerfinance.gov) or by phone (855-411-2372) in over 180 languages. You can also write a letter or send a fax. Ultimately, each complaint is assigned a case number and entered into the Consumer Complaints Database, a searchable resource available to the public and updated nightly.

The vast majority of complaints come from the agency’s website, says Steckel. Identify the product or service, state the problem you are having, name the financial company and express the desired resolution, and the CFPB will ensure that the company contacts you within 15 days. You must also certify that your complaint is true and correct, but you do not have to contact the company first. “We always say try to go to the company first, but it doesn’t have to be,” says Steckel. “If you have a problem with a financial product or service, we’ve got you covered,” he says.

Keep expectations under control

Consider some preventative strategies to avoid disappointment. One is the 24-hour rule, says McDonald. If you’re thinking about making a large purchase, give yourself at least 24 hours to think about it. If you have the time to research, read consumer reviews and consult with a business before you patronize. The Better Business Bureau website contains reviews and complaints about member companies. You can also share your complaint about a company on its public BBB complaints page; many companies will respond and engage with consumers. Simply search for the company on the BBB website, select their page, scroll to the section called “Customer Complaints” and click “Submit a Complaint” to write your own complaint. You will also be able to see if other consumers have had similar issues and how the company has responded to those complaints.

Your rights when you buy a lemon

If you’ve recently bought a new or used car that hasn’t met your expectations, you may have legal options. The “lemon laws,” which protect buyers of so-called lemon cars, vary from state to state. State lemon laws generally designate a lemon as a vehicle recently purchased or leased (typically within the past two years) with defects that the manufacturer or dealer cannot correct within a reasonable time.

All 50 states have some sort of new auto lemon law. Under most state laws, you are entitled to a full refund for a qualifying new lemon car.

Six states – Hawaii, Massachusetts, Minnesota, New Jersey, New York, and Rhode Island – have also used auto lemon laws. The laws have several classifications of vehicles for coverage, which means that any compensation depends on the age of the vehicle and the number of kilometers driven.

Seven other states have certain protections for used vehicle buyers. Arizona and New Mexico require used car dealers to provide warranty for at least the first 15 days after the sale or the first 500 miles. Connecticut and Nevada also require some form of collateral, with various limitations. In Maine, a vehicle must first pass a safety inspection. And in Pennsylvania and Illinois, dealers have limits on the flexibility of warranty they offer for used cars. Federal law also ensures that manufacturers honor their warranties; If your state’s lemon law does not provide sufficient protection, you can seek redress through the Magnusson-Moss warranty law.

You can view detailed information about the lemon laws for each state on the Better Business Bureau’s auto line (https://bbbprograms.org/programs/all-programs/bbb-autoline/lemon-laws-by-state) .

The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.


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Complain and Get Results | Kiplinger https://arizonaheli.com/complain-and-get-results-kiplinger/ https://arizonaheli.com/complain-and-get-results-kiplinger/#respond Thu, 26 Aug 2021 07:00:00 +0000 https://arizonaheli.com/complain-and-get-results-kiplinger/ In 2019, Terry Smith of Jacksonville, Fla. Traded in his 2019 Corvette Grand Sport for a Chevrolet Silverado pickup from the same year. But soon after I bought the truck, it started to go wrong and some parts had to be replaced immediately. He had problems with the transmission, air conditioning and traction, Smith says. […]]]>

In 2019, Terry Smith of Jacksonville, Fla. Traded in his 2019 Corvette Grand Sport for a Chevrolet Silverado pickup from the same year. But soon after I bought the truck, it started to go wrong and some parts had to be replaced immediately. He had problems with the transmission, air conditioning and traction, Smith says. He contacted a friend, a lawyer, who advised him to complain to General Motors before taking legal action (see below for more details on lemon laws).

Smith called GM and described the truck’s problems. He told the company he could take legal action but would rather not. GM agreed to take a look at the truck, but found it to perform as expected. Despite this, Smith’s lawyer friend advised him to call back and be persistent. After three months of appeals and complaints, GM agreed to pay him $ 5,000.

Last May, after the prices of used cars and trucks soared, Smith decided to sell the Silverado. He had it appraised by CarMax, who offered him $ 1,000 more than he had originally paid for. “In the end, I basically got paid to drive it for a year and a half,” says Smith.

Dealing with a defective product or poor service can be frustrating. But by using proven strategies to complain effectively, you will have a good chance of being satisfied. Most of all, stay calm and polite, and be prepared to persevere. Dealing with a business can be time consuming and often requires patience.

Stay calm

Before picking up the phone or going online, take the time to prepare your case. And whenever you need to complain, remove your emotions from the conversation first. Essentially, be nice, says Barbara Khozam, a customer service consultant. This is because an angry customer can put a customer service representative on the defensive.

The more accurately you can describe the details of your situation, the more likely you are to get results, says Khozam. But while providing context and the big picture is important, be careful not to overwhelm the business with unnecessary information. “Make sure that when you file a complaint, you only state the facts,” says Michaela McDonald, certified financial planner in New York City. If you bought a faulty product, take photos and attach them to an email or social media post. If you have a complaint about a service, it may be helpful to review the description of the service and point out what was omitted or changed in your case, McDonald explains. You can even copy and paste the description of the service into your message to the company.

Also, if you’ve called a business multiple times about incompetent service and been ignored, explain how many times and when. If you are a loyal customer, you can also mention how long you have been with the company and what you like about the company.

Aim for the top

Either way, talking to a human is often your best bet. So if you’re not getting results by submitting an online form or using an automated online chat system or automated phone attendant, see if you can contact a customer service representative. Sometimes that’s not easy – phone menus and websites may not provide a way to contact a representative directly – and you may have to look outside of company resources for instructions on how to get in touch with a representative. a real person.

Doing a little bit of your own research can go a long way. Try visiting www.gethuman.com, which has phone numbers and shortcuts for contacting a real person at a number of businesses. You can also often find the names and contact details of company CEOs and C suite employees through LinkedIn or on websites such as www.ceoemail.com.

An owner or manager is more likely to be able to help you than most other employees in the business, says Khozam. “And if you communicate your situation in a calm and detailed manner, an owner or manager can probably do something,” she says.

The role of social media in consumer complaints has grown significantly in recent years. “Social media reviews can make or break a business,” says Khozam, and a good business with a good owner will be at the top of its social media presence. Sometimes a business will even ask someone to review their social media. But while leaving an online review or commenting on a company’s social media page can be an effective way to quickly grab their attention, Khozam recommends using social media as a last resort.

Contacting a consumer agency or government office can help. But make sure you understand its role; some organizations act as an intermediary between the consumer and the business, while others simply collect complaints to detect trends. In many cases, the Better Business Bureau (www.bbb.org) will escalate your complaint to a business and work with both parties to resolve the issue. For a list of groups that can help you, as well as sample letters and other tips for an effective complaint, go to www.consumer-action.org for a “How to Complain” manual, which is available in three languages.

If your bank or any type of financial service provider makes a mistake at your expense, you can file a complaint with the Consumer Financial Protection Bureau. The CFPB has handled more than half a million consumer complaints over the past year, said Scott Steckel, responsible for the Stakeholder Engagement Program for Consumer Response at CFPB. The most common complaints recently have been problems with credit, debt collection or checking and savings accounts. But the CFPB sees “the whole cascade of consumer complaints in consumer financial services,” says Steckel. You can turn to CFPB for help with transactions with a bank or with a broker, insurer or other financial service provider. The agency also deals with issues related to auto loans and payday loans.

If you have a complaint, file it on the CFPB website (www.consumerfinance.gov) or by phone (855-411-2372) in over 180 languages. You can also write a letter or send a fax. Ultimately, each complaint is assigned a case number and entered into the Consumer Complaints Database, a searchable resource available to the public and updated nightly.

The vast majority of complaints come from the agency’s website, says Steckel. Identify the product or service, state the problem you are having, name the financial company and express the desired resolution, and the CFPB will ensure that the company contacts you within 15 days. You must also certify that your complaint is true and correct, but you do not have to contact the company first. “We always say to try to get into the company first, but it doesn’t have to be,” says Steckel. “If you have a problem with a financial product or service, we’ve got you covered,” he says.

Keep expectations under control

Consider some preventative strategies to avoid disappointment. One is the 24-hour rule, says McDonald. If you’re thinking about making a large purchase, give yourself at least 24 hours to think about it. If you have the time to research, read consumer reviews and consult with a business before you patronize. The Better Business Bureau website contains reviews and complaints about member companies. You can also share your complaint about a company on its public BBB complaints page; many companies will respond and engage with consumers. Simply search for the company on the BBB website, select their page, scroll to the section called “Customer Complaints” and click “Submit a Complaint” to write your own complaint. You will also be able to see if other consumers have had similar issues and how the company has responded to those complaints.

Your rights when you buy a lemon

If you’ve recently bought a new or used car that hasn’t met your expectations, you may have legal options. The “lemon laws,” which protect buyers of so-called lemon cars, vary from state to state. State lemon laws generally designate a lemon as a vehicle recently purchased or leased (typically within the past two years) with defects that the manufacturer or dealer cannot correct within a reasonable time.

All 50 states have some sort of new auto lemon law. Under most state laws, you are entitled to a full refund for a qualifying new lemon car.

Six states – Hawaii, Massachusetts, Minnesota, New Jersey, New York, and Rhode Island – have also used auto lemon laws. The laws have several classifications of vehicles for coverage, which means that any compensation depends on the age of the vehicle and the number of kilometers driven.

Seven other states have certain protections for used vehicle buyers. Arizona and New Mexico require used car dealers to provide warranty for at least the first 15 days after the sale or the first 500 miles. Connecticut and Nevada also require some form of collateral, with various limitations. In Maine, a vehicle must first pass a safety inspection. And in Pennsylvania and Illinois, dealers have limits on the flexibility of warranty they offer for used cars. Federal law also ensures that manufacturers honor their warranties; If your state’s lemon law does not provide sufficient protection, you can seek redress through the Magnusson-Moss warranty law.

You can view detailed information about the lemon laws for each state on the Better Business Bureau’s auto line (https://bbbprograms.org/programs/all-programs/bbb-autoline/lemon-laws-by-state) .


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Arizona State Senator Resigns After Seven Counts of Child Sexual Abuse Arrested https://arizonaheli.com/arizona-state-senator-resigns-after-seven-counts-of-child-sexual-abuse-arrested/ https://arizonaheli.com/arizona-state-senator-resigns-after-seven-counts-of-child-sexual-abuse-arrested/#respond Wed, 11 Aug 2021 07:00:00 +0000 https://arizonaheli.com/arizona-state-senator-resigns-after-seven-counts-of-child-sexual-abuse-arrested/ Ross D Franklin / AP / Shutterstock An Arizona state senator resigned after his arrest last week on child sexual abuse charges. Otoniel “Tony” Navarrete, 35, on Tuesday presented a brief letter of resignation to Arizona Senate Speaker Karen Fann, five days after the Phoenix Democrat was arrested on seven counts, according to the report. […]]]>

Ross D Franklin / AP / Shutterstock

An Arizona state senator resigned after his arrest last week on child sexual abuse charges.

Otoniel “Tony” Navarrete, 35, on Tuesday presented a brief letter of resignation to Arizona Senate Speaker Karen Fann, five days after the Phoenix Democrat was arrested on seven counts, according to the report. Republic of Arizona.

“Effective immediately, I am officially resigning from my post as Arizona State Senator for District 30,” Navarrete wrote in his written statement to Fann.

In a separate public statement, Navarrete maintained his innocence and “categorically” denied the charges against him. He has promised to “go all the way” to clear his name.

“While I would love for nothing more than to continue serving the families of Arizona’s 30th District, I fear that it may not be possible to give my constituents the attention they deserve. , I must resign from my post as Arizona State Senator today, “he said. noted.

Tony Navarrete

AP / Shutterstock

RELATED: What’s next for New York Governor Andrew Cuomo? Legal threats, possible indictment

Navarrete was charged with seven counts: three counts of sexual behavior with a minor (a class 2 felony), two counts of sexual behavior with a minor (a class 6 felony), one count of attempted sexual behavior with a minor and one count of molestation of a child.

Fann and Arizona Senate Minority Leader Rebecca Rios accepted Navarrete’s decision to step down after calling on him to do so in a joint statement on Monday.

“It was the right thing to do given the serious allegations”, Fann and Rios said in another joint statement Tuesday after Navarette’s resignation. “We know the Arizona judicial branch will deliver justice and pray for the healing and support of all victims.”

According to a police report, a 16-year-old boy contacted police last Wednesday and spoke with detectives who documented the alleged abuse, the Washington post reported Wednesday. The teenager said Navarrete first assaulted him in a Phoenix home when he was 12 or 13 years old. The abuse allegedly continued until the age of 15.

Tony Navarrete

Tony Navarrete

Ross D Franklin / AP / Shutterstock

RELATED: Dominion sues OANN, Newsmax and former Overstock CEO over false election statements

The next day, another 13-year-old boy told investigators Navarrete had already attempted to touch his genitals.

Navarrete said he “was not doing well” when faced with allegations of child sexual abuse, according to the report.

Navarrete, who became state senator in 2018, did not plead in his initial court appearance on Friday. He was released on Saturday after posting a $ 50,000 bond.

Navarrete could face a mandatory minimum sentence of 49 years in prison if found guilty on all counts, prosecutors said.

Republican Senator Kelly Townsend on Monday filed a complaint with the Senate Ethics Committee in which she called for an investigation as to whether anyone at the state capitol or other state government agency was aware of the allegations against Navarrete prior to his arrest.

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United Kingdom: business closures in the second quarter https://arizonaheli.com/united-kingdom-business-closures-in-the-second-quarter/ https://arizonaheli.com/united-kingdom-business-closures-in-the-second-quarter/#respond Tue, 10 Aug 2021 03:16:12 +0000 https://arizonaheli.com/united-kingdom-business-closures-in-the-second-quarter/ The number of UK businesses that closed in the second quarter was the highest since 2017, at 105,455, according to a report by the Office of National Statistics. By 2017, by contrast, the number had reached 98,880 in the second quarter, which was higher than any year between that date and today. The number in […]]]>

The number of UK businesses that closed in the second quarter was the highest since 2017, at 105,455, according to a report by the Office of National Statistics.

By 2017, by contrast, the number had reached 98,880 in the second quarter, which was higher than any year between that date and today.

The number in 2021 was 43% higher than that which had occurred at the same time in 2020.

The largest increases in business closures were recorded in the transportation and warehousing categories, as well as in the professional, scientific and technical industries. The report details the facts that there has been a 91% increase in closures for the transportation and storage industry. During this time, professional, scientific and technical enterprises grew by 35%.

The sixteen major groups, however, recorded an increase in closures.

Business closures, according to the report, have resulted in the removal of companies from the Interdepartmental Business Register (IDBR) in the UK. Companies are deleted from this register if their turnover and employment have been zero for several periods.

But the report notes that there was more robust-than-usual growth in business closures this quarter compared to the same period in 2020, as the second quarter of 2020 featured government assistance at that time. which probably kept too many businesses from closing early.

An April 2021 report found that many UK companies had reported being in financial difficulty – the report found more than 720,000 of those companies, according to data from insolvency firm Begbies Traynor. The number was a 15% increase from the number at the end of 2020, in addition to being a peak of 42% from the same period in 2020.

Read more: Over 720,000 UK businesses facing serious financial difficulties

The news came as the UK, at that time, was trying for the first time to reopen after the effects of the pandemic.

While the government’s relief efforts had been present, many companies had gone into debt. Rent was also a factor.

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PYMNTS DATA: 100 HEALTH EXECUTORS DECLARE USE OF AI TO FIGHT FRAUD, WASTE AND ABUSE

About: Healthcare companies lose 12% of their annual revenue to fraud, waste and abuse (FWA), but few are using artificial intelligence (AI) to solve these problems due to cost concerns. In AI In Focus: Targeting Fraud, Waste and Abuse In Healthcare, PYMNTS surveyed 100 healthcare executives to find out how AI could actually help businesses save money by limiting costly misrepresentation and false positives.


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AZ Unemployment, Child Support: Way2Go Mastercard https://arizonaheli.com/az-unemployment-child-support-way2go-mastercard/ https://arizonaheli.com/az-unemployment-child-support-way2go-mastercard/#respond Mon, 09 Aug 2021 07:00:00 +0000 https://arizonaheli.com/az-unemployment-child-support-way2go-mastercard/ The state of Arizona will use a new electronic payment card (EPC) provider for unemployment insurance and child support, according to a press release. The Arizona Department of Economic Security (DES) has announced that it will transition EPC payments from Bank of America services to a Way2Go card, effective September 23, 2021. The new card […]]]>

The state of Arizona will use a new electronic payment card (EPC) provider for unemployment insurance and child support, according to a press release.

The Arizona Department of Economic Security (DES) has announced that it will transition EPC payments from Bank of America services to a Way2Go card, effective September 23, 2021.

The new card would be mailed to existing unemployment insurance claimants as well as child support clients.

After that, the payments will be automatically deposited to the new Way2Go card.

Pandemic Unemployment Assistance (PUA) applicants who do not have an EPC but will need it after September 26, 2021 will receive a card. But the press release says those with funds remaining on their Visa Bank of America card will be able to have full access to those funds until December 31, 2021.

Americans have historically struggled with financial services, with more than six percent of U.S. households not having banking status, and nearly 19 percent are underbanked, with low-income households particularly likely to be unbanked. not have access to a bank account.

One solution has been to offer debit solutions like prepaid cards, which have been used by financial institutions to help attract those who are less banked. This includes low-fee cards that have been used to avoid issues that have generally made it harder to attract low-income customers, including excessive fees and overdraft fees.

Read more: Prepaid Debit Cards Considered Easy and Secure Way to Do Banking for Unbanked Americans

PYMNTS, in July Next Generation Debit Tracker®, found that 69% of users say convenience is the number one issue they see when using speed.

Download the report: July PYMNTS Nex-Gen Debit Tracker®

Some companies, like fund provider Remitly, are using debit as a solution to add more functionality to immigrants through low cost debit options. And users will be able to access virtual debit cards while waiting for physical cards in the mail.

With this offer, users will be able to purchase goods and less depend on payday loans or other such services.

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NEW PYMNTS DATA: 58% OF MULTINATIONAL COMPANIES USE CRYPTO-CURRENCY

On: Despite price volatility and regulatory uncertainty, a new study from PYMNTS shows that 58% of multinational companies are already using at least one form of cryptocurrency, especially when transferring funds across borders. The new Cryptocurrency, Blockchain and Global Business survey, a PYMNTS and Circle collaboration, probing 500 executives about the potential and pitfalls that crypto faces as it becomes part of the mainstream financial sector.


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Some pot license winners are now looking to sell to the highest bidder https://arizonaheli.com/some-pot-license-winners-are-now-looking-to-sell-to-the-highest-bidder/ https://arizonaheli.com/some-pot-license-winners-are-now-looking-to-sell-to-the-highest-bidder/#respond Thu, 05 Aug 2021 10:31:00 +0000 https://arizonaheli.com/some-pot-license-winners-are-now-looking-to-sell-to-the-highest-bidder/ Applicants waited over a year for the chance to enter Illinois’ burgeoning weed industry. But now that they’ve secured lucrative licenses to open marijuana dispensaries, craft farms, or other related businesses, some could sell the licenses before they even open – potentially raising millions in the process. As the state’s troubled pot licensing process draws […]]]>

Applicants waited over a year for the chance to enter Illinois’ burgeoning weed industry.

But now that they’ve secured lucrative licenses to open marijuana dispensaries, craft farms, or other related businesses, some could sell the licenses before they even open – potentially raising millions in the process.

As the state’s troubled pot licensing process draws to a close, weed companies and other cash-rich buyers are now expected to seek out the new licenses – many of which are expected to be awarded to applicants for social equity, a designation created to stimulate diversity in the white lily industry.

Rickey Hendon, a former state senator who won a dispensary license in the lottery last week, acknowledged that he and other companies are now considering a slew of proposals for sale to owners with deeper pockets. A court order in an ongoing lawsuit, however, has blocked the formal issuance of pottery store permits for the time being.

“Of course some of the small businesses are listening to all kinds of offers,” said Hendon, who became the de facto spokesperson for social equity contenders after being excluded from the initial licensing process there. is one year old. “I listen to all kinds of offers.

Hendon, who has said he is simply exploring his options, believes a license could fetch between $ 3 million and $ 15 million, depending on which area of ​​the state it allows a buyer to locate.

An industry source, however, estimated that each of the 185 new pottery workshop permits is probably worth much less, between $ 1 million and $ 3 million. The source set the going rate at $ 4-5 million for each of 40 new craft cultivation licenses, which were announced last month along with other permissions to infuse and transport cannabis products.

Edie Moore has expressed frustration with social equity contenders quickly selling their licenses.
Pat Nabong / Sun-Times

But critics say the potential massive sale goes against the spirit of the Legalization Act and the recent trailer bill that Hendon helped draft, both of which have given themselves a lot of attention. wrong to give people of color ownership in the highly profitable industry. In addition, there are concerns that predatory forces will try to take advantage of social equity companies that are trying to make a quick profit.

Edie Moore, a staunch supporter of industry diversification and executive director of Chicago NORML, a marijuana advocacy group, couldn’t restrain his frustrations at the prospect of social equity companies now dropping licenses both in the state have fought to get to them.

“I’m not sorry for people who want to get a salary. But I thought they got into this business to be in this business, not just to make a quick buck, ”said Moore, who helped draft the latest pot law and has already obtained a dispensary permit.

“This is what we were fighting for,” she added. “For people to create generational wealth by owning, building and creating something within their communities, not giving it back to white boys.” “

The current owners of the pottery shops are almost all exclusively white, and a similar binge eating for these licenses is already underway as multibillion-dollar cannabis companies have continued to buy crazies in Illinois.

Moore is concerned that multi-state fundraisers will inevitably buy out social equity licenses and “win again,” a particularly tricky prospect given his background. Previously, she had sold dispensary and medical marijuana cultivation licenses to Arizona-based 4Front Ventures – a move she said was prompted by conditions created by the program’s overly careful management of the program. former Governor Bruce Rauner years before recreational pot legalization in 2020.

The Recreation Act, however, contains few restrictions on the sale of permits. He only says that the craft cultivation licenses can only be sold after Dec. 21, according to Charity Greene, spokesperson for Governor JB Pritzker’s office. There is no similar language on the sale of dispensary, infusion, or transport licenses, although all cannabis license transfers require regulatory approval.

If a social equity claimant sells a license to a business that does not qualify, the buyer must reimburse any waived fees and any amounts owed for government loans or grants.

For its part, the influential Cannabis Business Association of Illinois is currently planning an event where new entrants to the industry can meet existing players, creating an environment conducive to making deals and selling licenses.

Former State Senator Pam Althoff, the group’s executive director, noted that many of the new licensees are now in dire straits as they have lost investors and important expertise in their teams pending the award of new licenses.

“There have been huge consequences for a lot of these candidates,” Althoff said. “And in many cases, they decided it was in their best interests to try and license it, knowing that they weren’t going to be very successful in the future.”

While the event is not specifically designed to connect new licensees with buyers, “what emerges from these conversations is their personal business,” she noted.

“We are really committed to the challenge of making the industry diverse, and we want people to be successful,” she said. “But if they can’t, we certainly want to be able to provide them with enough resources and advice on how to move forward.”

But there are concerns that powerful jackpot companies will take advantage of those who try to offload licenses. Lawyer Akele Parnell, who recently obtained dispensary and craft culture permits, said he had no problem with other companies returning licenses – “as long as it’s not predatory.”

“I don’t want people selling for far below market value,” he said.


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U.S. Senators Unveil Billion-Dollar Infrastructure Bill https://arizonaheli.com/u-s-senators-unveil-billion-dollar-infrastructure-bill/ https://arizonaheli.com/u-s-senators-unveil-billion-dollar-infrastructure-bill/#respond Mon, 02 Aug 2021 18:00:00 +0000 https://arizonaheli.com/u-s-senators-unveil-billion-dollar-infrastructure-bill/ Reuters, Washington Tue Aug 3, 2021 12:00 AM Vehicles are parked outside the United States Capitol in Washington, DC on July 31. Photo: REUTERS “> Vehicles are parked outside the United States Capitol in Washington, DC on July 31. Photo: REUTERS U.S. Senators have presented a sweeping, bipartisan, $ 1,000 billion plan to invest in […]]]>

Vehicles are parked outside the United States Capitol in Washington, DC on July 31. Photo: REUTERS

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Vehicles are parked outside the United States Capitol in Washington, DC on July 31. Photo: REUTERS

U.S. Senators have presented a sweeping, bipartisan, $ 1,000 billion plan to invest in roads, bridges, ports, high-speed internet and other infrastructure, with some predicting the chamber could pass the largest this week. public works legislation for decades.

The massive infrastructure package, a goal that has eluded Congress for years, is a top legislative priority for Democratic President Joe Biden, who touted it on Sunday as the biggest such investment in a century.

For all the latest news, follow the Daily Star’s Google News channel.

Senators said the 2,702-page bill included $ 550 billion in new spending over five years for items such as roads, railroads, electric vehicle charging stations and replacement of gas lines. lead water, in addition to the $ 450 billion in previously approved funds.

“I think we can deal with the relevant amendments quickly and pass this bill within days,” Senate Majority Leader Chuck Schumer, a Democrat from New York, said of the legislation after it was announced by a bipartisan group of senators.

“This is a very important bill because it takes our large, aging and obsolete infrastructure in this country and modernizes it. It is good for everyone,” said Sen. Rob Portman, the senior Republican negotiator.

However, some Republicans criticized the bill as too expensive. “I have real concerns with this bill,” Republican Senator Mike Lee said in a speech on the ground. “All is not well with the way we spend money.”

It was not yet clear whether senators outside the bipartisan group that negotiated the bill will propose amendments that could eventually upend the delicate coalition that has been cobbled together.

If the bill passes the Senate, it must be considered by the House of Representatives, where some Democrats have called it too small and the Democratic leadership has linked it to a $ 3.5 trillion bill. on “human infrastructure” to spend money on education, child care, climate change and other priorities.

Democrats want to offset social spending with tax hikes on businesses and wealthy Americans earning more than $ 400,000 a year, measures Republicans oppose, leaving the fate of the two bills unresolved.

Sunday night’s developments ended months of negotiations and internal struggles between several groups of senators and the White House.

Initially, Biden said he was looking for roughly $ 2 trillion in a bipartisan bill, an amount Republicans dismissed as unnecessary and unnecessary.

A group of Republican senators then worked on a plan to spend much less, an effort that ultimately came to fruition, raising questions about whether Congress could strike a deal allowing the Democratic president to keep his January 20 nomination pledge. to work in cooperation with the Republicans.

A bipartisan group of senators, led by Arizona Democrat Kyrsten Sinema, a moderate, and conservative Portman worked for months, adding input from House centrists, on a new plan closer to what Biden would agree to .

At the end of June, the group said it had reached a deal worth $ 1.2 trillion, but filling out the details took more than a month.

Spurred on by Schumer and Biden, negotiators put their staff to work, almost around the clock, to come up with Sunday’s final deal.


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Roma refuse to pay Arsenal price for Xhaka – talks in limbo https://arizonaheli.com/roma-refuse-to-pay-arsenal-price-for-xhaka-talks-in-limbo/ https://arizonaheli.com/roma-refuse-to-pay-arsenal-price-for-xhaka-talks-in-limbo/#respond Sun, 18 Jul 2021 13:45:30 +0000 https://arizonaheli.com/roma-refuse-to-pay-arsenal-price-for-xhaka-talks-in-limbo/ Since the end of the Euro, we have heard virtually nothing about Granit Xhaka’s much-advertised transfer to Rome, and apart from my much maligned opinion that Xhaka will not be leaving Arsenal this summer, the rumors seemed to have dried up. . But the reason seems to have been revealed today by CorriereDelloSport, who has […]]]>


Since the end of the Euro, we have heard virtually nothing about Granit Xhaka’s much-advertised transfer to Rome, and apart from my much maligned opinion that Xhaka will not be leaving Arsenal this summer, the rumors seemed to have dried up. .

But the reason seems to have been revealed today by CorriereDelloSport, who has proclaimed that Roma still want the Swiss captain, and apparently Xhaka wants Roma, but Mikel Arteta refuses to budge on the asking price of 20million.

The Italian report says… ..

Xhaka wants Roma, but Arsenal don’t lower demands

There will be at least three purchases, if all goes as planned in the technical program. The first is obviously Granit Xhaka, who spends his vacation days waiting for the right call from his agent. The story is clear: Xhaka promised himself at Roma and made a deal with Mourinho two months ago, and also made his wishes at Arsenal. M. He can’t take it anymore and the rest depends on the clubs. For the moment, the deal is far away, as Rome does not intend to pay 20 million. Xhaka is the director who would complete the midfield, adding intelligence and geometry, perfect for the 4-2-3-1. Tiago Pinto will try to defer the payment, as has already happened with Rui Patricio, to postpone the investment for better times. But on this point it seems that Arsenal does not hear us.

It is well known that the Chinese owners of Inter have serious problems in the Chinese stock market and cannot release any funds for transfers, and like many clubs, are trying to secure loans for incoming players rather than pay in cash. they must therefore be very frugal on the market.

Second, Xhaka has two more years on his contract, so Arsenal are under no pressure to let go of their most consistent midfielder from last season, and are just as likely to be able to sell him for a reasonable price the next summer.

Of course, my personal take is that Xhaka wouldn’t want to leave the Gunners just yet anyway as he would have to upset his wife who is caring for a 3 month old baby and a 2 year old toddler. I doubt she would like to move to another new country right now …

So I stick to my belief that Xhaka is not going anywhere this summer



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