Information system – Eagle Rock IS http://eaglerock-is.com/ Wed, 18 May 2022 13:55:07 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://eaglerock-is.com/wp-content/uploads/2021/10/icon-56-120x120.png Information system – Eagle Rock IS http://eaglerock-is.com/ 32 32 this is definitely an open world game https://eaglerock-is.com/this-is-definitely-an-open-world-game/ Wed, 18 May 2022 13:55:07 +0000 https://eaglerock-is.com/this-is-definitely-an-open-world-game/ JThe first thing we are shown is an overview of the new Saints Row‘s Santo Ileso, “a dense open world that rewards exploration”, divided into nine districts. The gangs lift tire weights on street corners and party around inflated cars, and a Ferris wheel is tilted on the outskirts. The Saints don’t exist when the […]]]>

JThe first thing we are shown is an overview of the new Saints Row‘s Santo Ileso, “a dense open world that rewards exploration”, divided into nine districts. The gangs lift tire weights on street corners and party around inflated cars, and a Ferris wheel is tilted on the outskirts. The Saints don’t exist when the game opens, we’re told, they’re roommates from rival factions, brought together by a need to make rent. Connect, millennials! Why aren’t you in a relationship!

We cut to two of the Saints, Eli and the customizable protagonist, Protag if you will, leading to the Others meeting. Eli listens to a self-help podcast. Protag reproaches him for having listened to him. They all reunite, pull out their guns, and take a cool walk to the payday loan company they’re planning to rob. “Walk away,” said one, holding the security guard at gunpoint, “or the phrase ‘dead end job’ becomes literal.” I won’t quote all the dialogue, but it’s a pretty good indicator of the tone going forward. Draw your own conclusions.

Robbery done, it’s time for a car chase. The New Mexico-inspired city streets are colorful, though vacant and lifeless. A train cuts our car on the way to the switch vehicle, and we wait for it to pass, a meme about obeying the rules of the road in GTA inexplicably transformed into decor. After the train passes, police cars appear and we are introduced to the “side swipe”, a defensive driving maneuver that violently drives away pursuers. The vehicular combat seems to have neat physics, with police cars colliding, crashing, and eventually exploding with satisfying force.

Saints Row. Credit: Deep Silver Volition

Shaking off the cops, Protag arrives at the lot housing their getaway car, only to find it has been claimed by gang members from Los Panteros. Our protag pulls out a gun and the fight begins. If enemies are level limited to the recent Assassin’s Creed games is unclear, but some of these enemies take multiple clean headshots to go down, which is monumentally unsatisfying to watch. Crouching for cover and a defensive roll complete a wheel of weapons currently filled with reliable oldies. Next, we’re shown “The Pineapple Express,” as our protag sticks a grenade through an enemy’s back and throws it towards a truck, which then explodes with more of those satisfying physics. We are shown a few scrum finishers; creative and elaborate, but a little too long to feel like a natural part of the combat flow, before our protag escapes on a dirtbike over the desert dunes.

Next, we’re shown customization and emotes, including a truly hilarious guitar strut that wows a crowd of nearby pedestrians. Customization is extensive, allowing for all the body, voice, and clothing changes that someone who isn’t quite sure what type of game they want to play, but knows they like to be lightly entertained by fun hats, might want. Then our protag throws explosives at an armored truck – one of the ambient activities – and retrieves piles of cash from the ground, before getting into another shootout with cops. There’s a weirdly psychotic and dissociative vibe to all of this when paired with all the colorful, weird dancing emoticons, like looking at a TikTok category for snuff movies.

A “side hustle” ensues. The open world uses the familiar formula of main, side, and ambient missions, with vehicle shenanigans and other creative traversal options tying them together. We ride a shotgun for a bored housewife who pulls off a robbery for funsies, fending off pursuers from the passenger seat. You also have the option of climbing on top of the car, for increased vulnerability but a wider arc of fire. There are apparently plenty of opportunities to spend the money you get from these side missions, but we’re mostly shown clothing purchases, as well as hideout and car customization options. These play into the traversal aspects, with ejection seats, wingsuits, and the like.

Saints Row
Saints Row. Credit: Deep Silver Volition

Next, we’re shown a mission where Protag (now a beefy cowboy thanks to power customization) has joined fellow countryman Saint Neenah in destroying a rival gang’s vehicle forge. They steal an incredibly well-armed helicopter, take it to the forge, shoot cars, and then enter. We are shown active skills and passive perks, which you can integrate and remove depending on the mission. We follow the Saints through a warehouse, blowing up cars and exchanging gunfire with gang members. There’s a sniper rifle at one point and, let’s praise it, it shoots headshots, just as God intended. Forge blown up, the pair escape, then enjoy a few completion rewards: money, XP, a new car, and a helipad for HQ.

Saints HQ is an abandoned church that doesn’t start with cash, but gets more lavish as you progress through the game. You can customize cars, guns, your crew , your clothes and everything else from here. You can also manage your empire from the new War Table, a management minigame-like offering that lets you buy properties to unlock activities like district takeovers, chopshop, and cheat to insurance. Then these lovable, trouble-free millennials start selling weapons, which unlocks Mayhem gameplay. “Everyone and their grandmother is using guns these days. We need a killer pitch! “.

It’s here that we’re shown the “in, out, untethered co-op,” as one of the devs in a helicopter hauls the other into a car via a magnetic winch, then dumps them near from the start of the mission. A completely natural, unscripted pattern ensues, and the mission kicks off: classic open-world style destruction for score multipliers. It all sounds suitably cathartic, if a bit lifeless.

Saints Row
Saints Row. Credit: Deep Silver Volition

Finally, we are shown a story mission. Saint Kevin is kidnapped by a gang called the Idols – anarchists dressed in neon pink – so it’s time to rescue. We follow Kevin’s trail to a saloon, where a fight with the idols ensues. We’re shown a few additional abilities, like a shield that electrocutes enemies that hit you and a charged flaming fist. Melee combat follows the trend of looking colorful and chaotic, with some interesting abilities, but too loose and flabby to feel truly satisfying. Well-hit idols, the protag looks for someone to interrogate on Kev’s whereabouts, finds some unlucky guy in a portaloo and drags him around via his car for a bit, knocking over tents at an enemy camp. This continues until a meter fills up and the restroom friend abandons Kev’s location.

We scale a tower, disarm bombs and shoot idols, and untie Kev from a chair at the top, before wingsuiting down a resort for revenge. Here we’re shown some of the game’s most interesting weapons and abilities. The “Thrustbuster” is a throwable sticky grenade that launches enemies into the air, and the “Quantum Aperture” not only lets you see at through walls, but also to shoot through them. There’s a ‘Piñata’ launcher, which is basically a grenade launcher with added confetti and foam hand guns. We shoot some more, save Kev, and the demo ends. So far the best thing to say about Saints Row is that it feels like a solidly crafted open-world game with some creative twists and a very specific tone. Maybe that tone is for you, and maybe they’ll sort out the headshots in time for the game’s full release in August.

Saints Row will be released on August 23 this year on PC, PS4, PS5, Xbox One and Xbox Series X|S.

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New EU consumer credit rules approved by summer https://eaglerock-is.com/new-eu-consumer-credit-rules-approved-by-summer/ Mon, 16 May 2022 11:59:09 +0000 https://eaglerock-is.com/new-eu-consumer-credit-rules-approved-by-summer/ A committee of the European Parliament will vote in June on the proposed Consumer Credit Directive (CCD) with a view to obtaining final approval in plenary session before the summer holidays. Lawmakers will discuss proposed amendments to the text tomorrow, May 17. Following the rise of digital lenders and the increasing online distribution of consumer […]]]>

A committee of the European Parliament will vote in June on the proposed Consumer Credit Directive (CCD) with a view to obtaining final approval in plenary session before the summer holidays. Lawmakers will discuss proposed amendments to the text tomorrow, May 17.

Following the rise of digital lenders and the increasing online distribution of consumer credit, the European Commission proposed a revision of the CCD in June 2021. The existing CCD dates from 2008, and although it introduced a a number of consumer benefits, it does include many new lending initiatives widely used by consumers, such as buy now, pay later (BNPL), payday loans or short-term overdraft facilities.

The Commission’s proposal aims to respond to these technological developments by broadening its scope, introducing pricing rules for certain credits, clarifying information requirements and revising creditworthiness assessments.

As regards the scope of the proposal, the existing CCD covers the vast majority of consumer loans, ranging in value from EUR 200 to EUR 75,000. However, loans below EUR 200 do not fall within its scope. This means that many of the BNPL loans that are so widely used these days are not covered by the existing rules. The proposed CCD aims to change this situation by including BNPL schemes, payday loans, short-term overdrafts, interest-free credits and loans offered through crowdlending platforms.

Lawmakers introduced an amendment to remove crowdfunding loans from the proposed CCD. However, they are still asking the European Commission to examine whether these types of crowdfunding platforms require regulation, and if so, to propose a revision of this CCD in 2024.

Information requirements should also be standardized in this proposal. In order to raise consumer awareness and promote responsible lending practices, the proposal aims to streamline and reflect the growing importance of digital services in the pre-contractual phase. The proposal aims to improve the provision of pre-contractual information by requiring lenders to focus more on key information such as borrowing rates and costs, annual percentage rate (APR) and total amount of credit. This information would be summarized in a standard European consumer credit information form (SECCI), and Parliament is amending the form to add information on missed payments and the right of withdrawal.

Still in connection with the information provided, the Parliament proposes the prohibition of personalized advertising and the obligation to show only standardized offers. In addition, the Parliament also suggests that Member States ban misleading advertising which understates the consequences of a loan and which could create over-indebtedness by emphasizing the ease of obtaining a loan.

Perhaps one area that could have attracted industry opposition is price regulation or caps on consumer loans, but the proposed CCD still leaves wide latitude to member states to regulate this space. In the absence of EU-wide regulation for certain loans, most member states have introduced interest rates or APR caps. Some drafts of the new proposal included caps on interest rates, APRs and the total cost of credit agreements, but the final proposal leaves the decision on the level of caps to member states. Countries will have the option, but not the obligation, to impose caps if they deem it appropriate.

Credit assessment is another important area where the new CCD aims to harmonize practices between Member States. The new regulations will tighten the rules and require lenders for all loans to carry out a credit check. For example, the Parliament and the Commission agree that data from social media should never be used in these assessments, and they propose a list of objective financial data that can be used for these purposes. Health data may also be subject to restrictions. The parliament proposes to prohibit the use of data on the health and medical situation of the consumer or his history of cancer.

Read more: EBA warns against non-bank lenders and recommends regulatory changes

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NEW PYMNTS DATA: THE TRUTH ABOUT BNPL AND STORED CARDS – APRIL 2022

On: Shoppers who have store cards use them for 87% of all eligible purchases – but that doesn’t mean retailers should start buy now, pay later (BNPL) options at checkout. The Truth About BNPL and Store Cards, a collaboration between PYMNTS and PayPal, surveys 2,161 consumers to find out why providing both BNPL and Store Cards is key to helping merchants maximize conversion.

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Virginia Court Approved $489 Million in Aid for Victims of Illegal Internet Payday Loans https://eaglerock-is.com/virginia-court-approved-489-million-in-aid-for-victims-of-illegal-internet-payday-loans/ Sat, 14 May 2022 13:20:37 +0000 https://eaglerock-is.com/virginia-court-approved-489-million-in-aid-for-victims-of-illegal-internet-payday-loans/ RICHMOND, Va. (WRIC) – The federal court in Richmond has given preliminary approval to a class action settlement that would provide $489 million in relief to victims of illegal internet lending. The ruling was released Thursday, May 12, and will affect approximately 555,000 consumers who have been charged more than 600% interest on loans by […]]]>

RICHMOND, Va. (WRIC) – The federal court in Richmond has given preliminary approval to a class action settlement that would provide $489 million in relief to victims of illegal internet lending.

The ruling was released Thursday, May 12, and will affect approximately 555,000 consumers who have been charged more than 600% interest on loans by predatory internet payday lenders.

Litigation against predatory lenders began more than three years ago when a coalition of law firms, including the Virginia Poverty Law Center, Kelly Guzzo and Consumer Litigation Associates, came together to address the ongoing challenge of lending illegal wages.

“These law firms have taken the illegal lenders to court,” said Jay Speer, executive director of the Virginia Poverty Law Center. “We are very grateful for their tenacity and passion in engaging in this three-year fight for today’s settlement.”

Today’s settlement is one of many these law firms have secured with illegal internet lenders in recent years, including a $433 million settlement in 2019.

The proposed settlement provides $450 million in consumer debt forgiveness that will be paid in cash for most consumers.

The settlement will also set aside $39 million for the creation of a common fund for those who have repaid illegal amounts.

Settlement Class Members will not need to submit a Claim Form and will receive notice by email or US Mail.

In addition to litigation, VPLC helps borrowers through the organization’s predatory lending hotline to 866-830-4501 and advocating for better laws to protect borrowers.

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District 41 Candidates Discuss West Taos County | Policy https://eaglerock-is.com/district-41-candidates-discuss-west-taos-county-policy/ Thu, 12 May 2022 15:40:00 +0000 https://eaglerock-is.com/district-41-candidates-discuss-west-taos-county-policy/ Two candidates vying for the District 41 seat in New Mexico debated Monday night (May 9) at a forum hosted by the Taos County Democratic Party. Incumbent Susan Herrera and newcomer Marlo Martinez are both competing to represent House District 41, which, while primarily encompassing Rio Arriba County, also includes western portions of Taos County […]]]>

Two candidates vying for the District 41 seat in New Mexico debated Monday night (May 9) at a forum hosted by the Taos County Democratic Party.

Incumbent Susan Herrera and newcomer Marlo Martinez are both competing to represent House District 41, which, while primarily encompassing Rio Arriba County, also includes western portions of Taos County including Tres Piedras, Carson, a part of Arroyo Hondo and Ojo Caliente.

A rift between the two candidates became clearer as they debated topics ranging from renewable energy to gun regulations.

Herrera, who was elected in 2018, said she was strongly opposed to pursuing long-term oil and gas development in New Mexico, but added that “it’s a careful needle that we have to thread.” She said she hopes to bolster the state’s renewable energy fund and invest more money in rural infrastructure development.

She said the way to do that legislatively is to look at examples like Kit Carson Electric Cooperative. “You have to have leadership at the local level… [KCEC] is not just a model in the state, but a model in the nation,” she said, adding that she would encourage all rural cooperatives to pursue similar goals.

Martinez agreed the transition was necessary, but said “New Mexico’s state budget is dependent on oil and gas at about 40% of the budget. I think we need to carefully move from oil and gas to renewable energy, maybe subsidizing solar power for homes. He noted that subsidizing solar energy at the federal level would also go a long way in facilitating this transition.

Taos County Democratic Party chairman and host Darien Fernandez asked each candidate if they had accepted campaign donations from oil or gas companies. Martinez said yes, and again stressed the importance of a slower transition. “We kind of abruptly cut oil off because they’re a lifeline for New Mexico,” he said.

Herrera said she hadn’t taken any fossil fuel contributions to her knowledge and said she mostly self-funded her campaign. “I never wanted a lobbyist to look me in the eye and say, ‘Hey, I paid that much, where’s my refund?’ I really haven’t needed their money in the past and I don’t think I will need it in the future,” she said.

Martinez replied that “[Representative] Javier Martinez and the President [of the House, Brian Egolf] give money to my opponent, and they take money from oil and gas… I think oil and gas can invest in renewable energy. I don’t see why they can’t.

When asked about their legislative priorities and the direction in which they would focus, the candidates again showed differences.

Martinez said his top priority would be to bring more funding to the district. “For example, Arroyo Hondo [has] a center there that needs kitchen facilities to be active,” he said, referring to the defunct Arroyo Hondo community center. “There are also a lot of complaints about the roads in this area that they need to be repaired.”

He said his other priorities would include funding youth programs and broadband access, as well as addressing behavioral health issues, low graduation rates and criminal justice reform.

“I’m looking at millions and millions and billions of dollars for water infrastructure in the state. I think that’s the number one problem for our rural communities,” Herrera said. “My big push is on rural water infrastructure and that’s gearing up for this huge, huge amount of infrastructure [money] it comes from the federal level.

Herrera also said she remains focused on fixing the Arroyo Hondo Community Center now that the title has passed to the appropriate party.

While Taos County is only a small portion of District 41, it still encompasses several local communities, and each contestant was asked how much time they spend watching the Taos County portion of the district. Herrera said she always gives legislative updates to the various municipal bodies in her district and said she tries to work on capital spending projects with her respective state senators and representatives from surrounding districts.

“I think the down payment is really part of the amount of money needed in my district,” Martinez said. “I think we need a lot more money, as I mentioned earlier, to do some of the things that we need to do in this district.” He agreed, however, that the right approach is “needs-based and works hand-in-hand with each community”.

On water and allocating money to water rights, acequias and sustainability, both candidates were in agreement, saying more funding should be sought, especially at the federal level. .

The subject of state reimbursement checks was also brought up, with Martinez saying he felt the money could be better spent on infrastructure. “One trip to the grocery store and your $500 is gone,” he said. “I would say it’s better to invest $700 million and leverage that $700 million with the feds or other entities to get over $1 billion so we can solve our problems in our state. .”

Herrera, who voted for the family discount bill, said she recognizes the poverty in her district. She said that, faced with a budget surplus, she thought about getting immediate help for the families. “I think right now we had to look after poor working families, and that’s kind of what I represent – ​​working families. Five hundred dollars might not mean much to everyone on this Zoom, but it certainly means a lot to a family trying to decide whether to pay the rent or the grocery bill.

Arms control presented another split among the candidates. Herrera said she had many discussions in which gun violence was brought up. “In every one of those meetings, someone said, ‘What are you going to do about gun violence? What are you going to do and how are you going to fix it?'” she said. stop this crazy system we have.” She said she was in favor of background checks and proper registration.

Herrera clarified “no one is talking about banning the hunt…I have a family of hunters and we draw to get an elk and it’s a huge family tradition.”

Martinez admitted his district was pretty “armed up” and said he wasn’t sure how he would vote on a law banning assault rifles and extended magazines. “I don’t know if it will solve the problem if you don’t deal with behavioral health issues… We just put people in jail and we don’t pay attention to them,” he said.

The contestants were allowed to ask each other one question, at which point Herrera quizzed Martinez on the reason for his candidacy. “I’m really curious why you’re running against me because, in fact, we agree on 95% of the issues,” she asked.

” It’s not against you. It’s for the job. I think voters deserve to have a choice. I think with my life experience, I would do a good job… Money is spent where it shouldn’t. We have needs like fire victims and our infrastructure and our schools and our water,” he replied.

He then asked Herrrera why she told credit unions he was in favor of payday loans. “I’m not in favor of payday loans,” he said.

“I never told anyone you were for predatory lending,” she replied, adding that she had heard that Martinez was backed by someone who was into predatory lending.

In closing, Herrera said she felt she had done a good job representing the 41st District for the past four years. She noted her progress toward drug treatment centers in Española and a drug rehabilitation center in Taos County. “I’m proud of what I’ve achieved so far.”

Martinez said he felt he was the man for the job. “I think I can do a better job because I have business experience, I have common sense, I know people’s needs, I’m from northern New Mexico, and I know the county of Taos. As a small business owner, I go to Taos every week…I just don’t think we’re fast enough to move in the right direction.

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Mother awaiting heart transplant shares her story https://eaglerock-is.com/mother-awaiting-heart-transplant-shares-her-story/ Sun, 08 May 2022 09:01:17 +0000 https://eaglerock-is.com/mother-awaiting-heart-transplant-shares-her-story/ Share on PinterestAfter giving birth to her second child, Zuleyma Santos was diagnosed with a rare form of heart failure and placed on the waiting list for a heart transplant. Photograph courtesy of Padilla Co Mother of two, Zuleyma Santos, works with the American Heart Association to raise awareness of the dangers of heart disease […]]]>

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After giving birth to her second child, Zuleyma Santos was diagnosed with a rare form of heart failure and placed on the waiting list for a heart transplant. Photograph courtesy of Padilla Co

Mother of two, Zuleyma Santos, works with the American Heart Association to raise awareness of the dangers of heart disease in young adults.

On paper, one would think Zuleyma Santosnow 37 years old, had it all.

Two new children born in as many years. A retail career she loved. A devoted and loving husband who, despite cancer, was always there for her and a huge, close and supportive family.

This should have been the time of his life.

But within those events came a blockbuster: Santos developed a rare and often fatal heart condition caused by the pregnancy.

That’s why today, she smiles as she adjusts the still-there backpack on her shoulder that holds 10 pounds of batteries, constantly working to keep the device that keeps her heart going while she waits for a heart transplant.

Although there were signs – and a diagnosis – after the birth of her second child in 2019, no one understood the gravity of the situation, and Santos, immersed in the beginning of his life as a parent and concentrating on her husband’s cancer treatments, did not push.

“I think there were symptoms that went unaddressed,” she told Healthline. “I have always been a strong person. You will never hear me say “oh it hurts”. It is not me.

This “go for it” attitude could have proved fatal with the birth of her second child.

But it also launched her into a space she never thought she would be in – spokesperson for the American Heart Association.

“I felt I needed a way to reach people. To help them know how to speak for themselves.

“I never thought I would have heart failure or my partner would have cancer, at least not when our kids are babies with dirty nappies lying between my hospital bed. But I’m here. And if I can be the voice they hear – knowing there are resources out there – then so be it.

Santos was holding her then two-day-old baby in the hospital when suddenly she could barely breathe.

“I called the nurse and said ‘hold baby, something’s wrong with me!” she remembered. “I couldn’t breathe and thought I was losing my life.”

She was examined, tested, and then diagnosed. It was peripartum cardiomyopathy, they told her, a form of heart failure that occurs in the last month of pregnancy or the first few months after giving birth.

The baby went home, but Santos remained in the hospital for four more days. She was stabilized and told to rest and see a follow-up cardiologist once home.

She did, but as at every cardiology visit she was told that she had passed all the exams and that she had been given medication that stabilized her, she made a decision.

“It was time to get back to normal life,” she said. “I was like ‘I feel fine. Why are you telling me I have this? So I went back to my life: working, taking care of the kids and taking care of my husband.

No one blinked or tried to steer her in another direction, she said.

In March, the pandemic shutdown hit, a “blessing”, she said, because although it was hard to lose her job, it was great to be “home and s ‘taking care of the children’ while her husband returned to the hospital to fight his cancer. As stressful as it may seem, she said, she felt good at home and confident in her health.

Then summer came. In July, she was struggling,

“I felt tired, exhausted and couldn’t eat well,” she said.

But the postpartum heart diagnosis didn’t cross her mind.

“I didn’t really think it was my body,” she said. “I thought it was the summer heat. And you know, taking care of two babies and a husband battling cancer. It’s wreaking havoc. »

Then it got worse. “I couldn’t even lift my daughter’s legs to change a diaper,” she recalls.

She went to the emergency room – in the middle of the pandemic – with swollen legs, nausea and exhaustion. Although she was told of the earlier diagnosis, she says, they sent her home and told her to try eating differently.

Worried, she tried to get in touch with a cardiologist, but the pandemic shutdown also made that difficult. She got an appointment for the end of October and was hoping for the best.

Five days after that ER visit, she suddenly plummeted and realized she was in trouble.

“I told my husband to call an ambulance,” she said.

The last thing she remembers is being intubated. She woke up on November 3 and was told she had stage four heart failure and needed a heart transplant.

“It was very hard to hear,” she said. “I didn’t understand how I, at my age, got to this.”

It’s not an uncommon way for someone his age to think.

“This underscores the importance of recognizing this condition and heart disease in general,” Dr. Eugene DePasqualea cardiologist with USC Keck Medicinewho treats Santos, told Healthline.

“The leading cause of death in the United States [based on data gathered pre-COVID-19] is heart disease,” he said. But when people look [based on their symptoms] they search for ‘cancer,’” he said.

He said the data suggests that less than three per cent of people looking for symptoms search online for heart disease.

The media, he said, reports on suicide, terrorist deaths and cancer, but not so much on heart disease.

Also, he said, younger heart patients tend to have different symptoms that are more focused on the gastrointestinal tract.

“Younger patients, in particular, can be missed,” he said of the cardiac diagnosis. “Not only by the patient but by the [medical experts] as well.

That’s why he and his team are thrilled to have her share her story while working on a heart transplant.

“She’s a special woman,” he said. “We are very grateful to him. She’s been through a lot, but she still does things like that. She is part of our family and vice versa.

Santos came home with this backpack loading her HeartMate Pumpwho will do the work of a heart until she receives a transplant.

DePasquale said because Santos developed antibodies during that second pregnancy that spurred heart disease, making her pool of donor hearts very small. The Friday before Mother’s Day, they were supposed to start working on getting those antibodies out of her.

She came home hopeful about it and grateful to be alive, as well as ready to take over from her ailing husband, who had taken care of the children with the help of his family during his recovery. to the hospital.

“I could feel he was waiting for me – clinging to his health to take care of things until I could,” she said.

She was right. She arrived home on December 29. On January 16, they threw a happy third birthday party for their son.

A week later, her husband went to the hospital. On February 27, he was at home in hospice care where he died shortly after.

Still, Santos is grateful and positive.

‘He gave me the strength to do it,’ she said of raising two children as a widow, battling heart disease while waiting for a transplant and being a doorway. -word of heart health.

“He did it for me, and now it’s my turn to do it for him. I’m going to support this family, keep these children happy.

She works hard with her doctors to get the heart transplant and speaks out.

Says DePasquale, she makes a difference in more ways than she realizes.

“We are very grateful to him,” he said. “She helps put this into perspective and encourages others to be proactive and fight for the symptoms to be recognized.”

It also, he said, gave visibility into how heart pumps work. The HeartMate pump has been used by people as well-known as former Vice President Dick Cheney, he said, but the powerful image of an ordinary woman living with someone could help many.

“It’s not as scary as some people think,” he said. “She can help people to accept that better.”

Santos looks to the future and a new heart with hope.

Doctors told her she probably had signs of heart disease after the birth of her first child. And while that might have meant avoiding some of the extreme illnesses, it would have changed something else as well.

“They would have told me not to have any more children,” she said. “I might not have had my daughter. And you know, I wouldn’t change that for the world.

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Chicago Community Trust CEO Helene Gayle Named Next Spelm Chair – BOTWC https://eaglerock-is.com/chicago-community-trust-ceo-helene-gayle-named-next-spelm-chair-botwc/ Sat, 07 May 2022 01:16:38 +0000 https://eaglerock-is.com/chicago-community-trust-ceo-helene-gayle-named-next-spelm-chair-botwc/ She wants to help shape young black women! Chicago Community Trust CEO steps down to become president of Spelman College, WBEZ Chicago Reports. The Trust is an organization that was established over 100 years ago to bring together private donors, non-profit organizations and local residents under one philanthropic arm. Today it is one of the […]]]>

She wants to help shape young black women!

Chicago Community Trust CEO steps down to become president of Spelman College, WBEZ Chicago Reports.

The Trust is an organization that was established over 100 years ago to bring together private donors, non-profit organizations and local residents under one philanthropic arm. Today it is one of the largest foundations in the world and is led by CEO Helene Gayle. Gayle is a public health physician and disease expert who joined the organization in 2017, previously serving as head of the international humanitarian organization CARE, and having spent twenty years at the Centers for Disease Control and Prevention working on HIV/AIDS before that.

During his tenure, Gayle grew the Trust’s assets from approximately $2.8 billion to $4.7 billion. When the COVID-19 pandemic swept the country, Gayle mobilized a response within days, managing a relief fund for Chicagoans that proved invaluable. She also led $1.7 billion in grants through the Trust and its donor-advised programs, also leading the foundation to adopt a 10-year strategic plan to address wealth inequality in the region, create a new policy team and transform the way it handles grantmaking. .

Today Gayle announced that she will step down as CEO in June to lead the illustrious Spelman College. Although unexpected, Gayle said she could not miss “the opportunity to continue to shape the lives of young women of African descent, many of whom have gone on to illustrious careers”.

She initially thought her work at the Trust would be her last job and is grateful to the city of Chicago and everyone at the Trust who helped make her time there such a success. She particularly noted the effective coalition building in the city that sparked an expansion of the Illinois Earned Income Tax Credit and a cap on payday loans. Commitment to the community is something Gayle said she has never seen in another city and hopefully she can now bring the same spirit to beloved Spelman of Atlanta.

“Chicago welcomed me so warmly. It was a city that bleeds from Chicago and cares about its neighbors. And even though it’s still a deeply divided city, there really is a deep sense of interest in the city. It has an incredible civic footprint, a civic community that comes together in a way I’ve never seen in any of the cities,” Gayle said.

Congratulations, President Gayle! I wish you all the best as you step into your next role.

Photo courtesy of the Chicago Community Trust

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Whitmer is working with Michigan banks to offer accounts with no overdraft, ATM or balance fees https://eaglerock-is.com/whitmer-is-working-with-michigan-banks-to-offer-accounts-with-no-overdraft-atm-or-balance-fees/ Wed, 04 May 2022 16:42:00 +0000 https://eaglerock-is.com/whitmer-is-working-with-michigan-banks-to-offer-accounts-with-no-overdraft-atm-or-balance-fees/ Michigan residents without financial resources spend about $3,000 on bank charges each year. Governor Gretchen Whitmer and the Michigan Open Account Coalition (MOAC) announced a low-cost account available to Michigan residents who are unbanked or underbanked. A Federal Reserve Report 2019 found that 22% of American adults are either unbanked or underbanked. The 6% of […]]]>

Michigan residents without financial resources spend about $3,000 on bank charges each year.

Governor Gretchen Whitmer and the Michigan Open Account Coalition (MOAC) announced a low-cost account available to Michigan residents who are unbanked or underbanked.

A Federal Reserve Report 2019 found that 22% of American adults are either unbanked or underbanked. The 6% of Americans who are unbanked have no bank account and must rely on alternative financial products and services such as payday loans, check cashing services, money orders and pawnbrokers.

“The MI Open Account Coalition will help unbanked or underbanked Michiganders avoid unexpected costs, build credit, and pay for emergencies by putting more money in their pockets as we continue to grow our economy,” said said Whitmer.

MOAC was created in March by the Michigan Department of Insurance and Financial Services (DIFS), the Michigan Bankers Association and the Michigan Credit Union League to promote availability and access to consumer financial accounts.

“Some consumers may not have an account at a bank or credit union because they fear there are hidden fees or terms they don’t understand,” said Anita Fox, director of the Michigan Insurance and Financial Services.

There are currently 20 certified MI open accounts in Michigan, with dozens more working toward certification, according to a press release from the governor’s office.

“Michindiders deserve access to safe and secure financial services without paying an arm and a leg in hidden fees,” Whitmer said in a statement.

MI Open Accounts offer the following benefits:

  • No overdraft, account activation, closure, dormancy, inactivity and low balance fees
  • Limits on ATM fees (no fees in-network; $3 or less out-of-network)
  • A limit on minimum opening deposits ($25 or less)
  • A limit on monthly maintenance fees ($5 or less)

For more information on the Michigan Open Account Coalition and a list of participating financial institutions, visit michigan.gov/DIFSOpenAccount.

Learn more about MLive:

3 Ways Inflation Hits Your Wallet

How “extreme couponing” evolved from TLC to TikTok

Inflation is costing Michigan households nearly $300 a month

Here’s how experts say you can rework your budget for high prices, debt and investments

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Charles Franklin, Kirsten Johnson, Mary Triggiano, Melody Harvey https://eaglerock-is.com/charles-franklin-kirsten-johnson-mary-triggiano-melody-harvey/ Mon, 02 May 2022 13:59:57 +0000 https://eaglerock-is.com/charles-franklin-kirsten-johnson-mary-triggiano-melody-harvey/ Horse racing polls in Wisconsin months away from the Aug. 9 primary election show few surprises — but perhaps incongruously — voter enthusiasm in 2022 is highest among those least confident about in the 2020 election, according to April responses to the Marquette University Law School survey. COVID-19 cases have tripled in the past month […]]]>

Horse racing polls in Wisconsin months away from the Aug. 9 primary election show few surprises — but perhaps incongruously — voter enthusiasm in 2022 is highest among those least confident about in the 2020 election, according to April responses to the Marquette University Law School survey. COVID-19 cases have tripled in the past month across the state, and Milwaukee is experiencing its own spike, though hospitalizations and deaths aren’t rising at the same rate, Milwaukee’s health commissioner said. , Kirsten Johnson. A pandemic-caused backlog in felony cases is forcing courts across the state to dig, but an infusion of federal money offers hope, Milwaukee County Courts Chief Judge Mary Triggiano explained. . A report by Pew Charitable Trusts showed that Wisconsin is one of seven states that has no cap on interest rates for payday loans – Melody Harvey, consumer science professor at UW-Madison , described what happens when a borrower defaults on these loans.

Charles Franklin
Director, Marquette Law School Survey

  • According to poll published on April 27.
  • Franklin: “It’s within the Republican Party, and it has real implications for the primary and possibly the overall. The least confident are about 20 points more enthusiastic about voting than Republicans who are confident in the election outcome. Well, that probably means primary voters are going to be more heavily tilted towards those who are skeptical of the election. And you see candidates who have to deal with that in their campaigns. But it also means that maybe Republicans who don’t agree the election was stolen can’t be so enthusiastic about backing an election-skeptical candidate who carries this all the way to the election. So that’s something worth watching on how this split in the party is going, and about a third of Republicans are pretty confident again. Does it hurt them in the fall? , even if does this mean that in primary school the skeptics have the upper hand?

Kristen Johnson
Health Commissioner, City of Milwaukee

  • As is happening in Wisconsin, COVID-19 cases are rising again in Milwaukeewhich has seen “significant increases over the past two weeks”.
  • Johnson: “I think the most important thing to realize is that covid is here with us, that there is a risk, that you have to assess your own risk, but also compare that to what we we lived in December and January. And that’s nothing compared to what we saw in the middle of the wave… But I think the message is that we know how to live with it. We learned a lot during the two years. We know that if you are more at risk, you have to be more careful. We know that people and people know their own level of risk and their comfort with risk. We know that there are children who were not eligible for [a] vaccine that we anticipate will arrive during the summer. But I think it’s really about identifying your level of risk, as an individual, to your family, and then measuring that against the activities that you engage in and knowing again that there’s there are many things we can do. I can put on a mask. We can distance ourselves socially. You can test before meeting with friends or family for a large gathering. So we have tools that we didn’t have before.

Marie Triggiano
chief judge, Milwaukee County Circuit Court

  • Wisconsin has a criminal case backlog of more than 17,000 court cases as of April 25, 2022, including more than 1,600 in Milwaukee. The pandemic closed courthouses and delayed the hearing of cases, and they continued to pile up even as conditions eased. east wisconsin using over $30 million into federal pandemic relief funds to help hire lawyers, clerks and court reporters to catch up on these cases. In Milwaukee, more than $14.5 million will go towards staffing five new courts, including a night court. The Chief Justice said the money was welcome.
  • Triggiano: “I think that gives some hope. I mean, everyone knows that we want to deliver justice that is fair, just and fast. And the backlog is weighing quite heavily on everyone. The judges work as hard as they These cases are moving, and prosecutors, district attorneys, public defenders, court reporters, and assistant clerks are all stepping up to try to find a way to get cases moving as quickly as possible, so this investment gives us an opportunity to restore some balance, I think, to our justice system so that we can move justice forward at a pace that we all think is reasonable. I think everyone has really high hopes for this coming money.

Melody Harvey
TeacherUW-Madison Dept. of Consumer Science

  • A April 2022 Guidance Note of Pew Charitable Trusts revealed that Wisconsin is one of seven states that does not cap interest rates on payday loans. Pew showed that Wisconsin residents pay an average of $395 in fees when paying off a $500 loan over four months, an interest rate of 338%.
  • Harvey: “Payday loans are designed to be short-term, as payday loans between pay periods suggest – and the general fact that these are generally small loans, and are therefore available for a few hundred dollars as opposed to, say, thousands of dollars, that one made through a personal loan or at a bank or credit union. And so, given the small dollar amounts, we would like believe that one would be able to repay those in But given income volatility as well, there are many other shocks that can occur including potential payday delays that cause that loan to be renewed… So if you renew a payday loan, you’re actually borrowing not only for that initial principal, but also the interest of those fees that have accrued from that initial borrowing of the loan.”

Watch new episodes of Here Now at 7:30 p.m. on Friday.

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How to optimize your savings and prepare for your retirement https://eaglerock-is.com/how-to-optimize-your-savings-and-prepare-for-your-retirement/ Sat, 30 Apr 2022 14:00:00 +0000 https://eaglerock-is.com/how-to-optimize-your-savings-and-prepare-for-your-retirement/ April 30, 2022 09:00 newsfeedback@fool.com (Ryan Sze) Post : April 30, 2022 09:00 Update: April 30, 2022 11:44 a.m. At the risk of stating the obvious, you need money to make money. What is less obvious is or and in what Ordered to save and invest. After all, everything from tax-efficient retirement accounts to your […]]]>

At the risk of stating the obvious, you need money to make money. What is less obvious is or and in what Ordered to save and invest. After all, everything from tax-efficient retirement accounts to your cousin’s new start-up business seems like a place to put your hard-earned money.

However, just because you can investing in certain things does not mean that you should. If you want to optimize your long term wealth, you cannot allocate your dollars randomly. You need a plan — a systematic way to control your savings and investments. While these rules don’t have to be hard and fast, they can serve as good rules to follow.

Image source: Getty Images.

Start by tackling any high-interest debt

Before you invest a penny, think eliminate all your high-interest debt first. Prioritize paying off your credit cards, payday loans, and other types of debt with double-digit interest rates. (However, debts with relatively low interest rates, such as mortgages and car loans, can be kept.)

There are two advantages to this strategy. For starters, reducing those heavy debts can help you sleep better at night. But it’s also good for your financial well-being since you effectively recoup the interest you would otherwise have had to pay.

Second, build an emergency fund

Now that your high-interest debt is gone, it’s time to establish an emergency fund. Also known as a rainy day fund, this cash reserve will act as a financial cushion if you ever lose your job, need medical attention, or experience another type of emergency.

In general, try to set aside at least 6 months of expenses, although you can always err on the side of caution and save a little more. For best results, house your emergency fund in a high-yield savings account or money market fund, like this one from Vanguard. Federal Money Market Fund (NASDAQMUTFUND: VMFXX).

However, don’t worry too much about maximizing yield here. Even if your money is just gathering dust, that’s okay. In fact, that’s arguably the point – to have a stable, easily accessible reserve of cash on hand when you need it most.

Then contribute to your retirement accounts

Now that your short-term financial needs are met, it’s time to save and invest for the long term in a tax-efficient manner.

On the retirement front, you can contribute to a traditional or Roth Individual Retirement Account (IRA). With a traditional IRA, your initial contribution is tax deductible – and the money, once inside the account, is compounded on a tax-deferred basis. Upon withdrawal, the income is taxed as ordinary income.

On the other hand, Roth IRA contributions are not tax deductible. However, funds inside the account become tax-exempt and you are not taxed on earnings or withdrawals.

In 2022, you can contribute up to a total of $6,000 (plus an additional $1,000 if you’re 50 or older) to either type of IRA, though Roth contributions are subject to additional income restrictions. To be eligible, single filers must have a modified adjusted gross income (MAGI) of less than $144,000, and married filers’ combined MAGI must not exceed $214,000.

If your employer offers you a 401(k), you can also use them. In 2022, you can contribute up to $20,500 combined (or up to $27,000 if you’re 50 or older) into traditional or Roth 401(k).

401(k) contribution limits are in addition to IRA limits, so you can potentially save $6,000 (up to $7,000) in your IRA and $20,500 (up to $27,000) in your 401(k) in the same year. Of course, that’s a lot of money, so don’t worry if you can’t hit those limits – but if you can, that’s great! Instead, try to at least maximize your employer match if possible.

Then consider other tax-efficient savings accounts

Retirement accounts aren’t the only ones with built-in tax benefits. If you have a Health Savings Account (HSA) or have established a 529 college savings plan for a child, consider contributing to these investment accounts as well.

HSAs must be associated with a high-deductible health plan (HDHP) and are subject to annual contribution limits. In 2022, individuals can save up to $3,650, while families are limited to $7,300. People 55 and older can make an additional “catch-up” contribution of $1,000.

What does this mean to you

Finally, if you have money left over after maximizing all your tax-advantaged accounts, you might consider saving and investing in a taxable brokerage account. Or, maybe you can indulge a little – you decide!

Either way, the message is simple: save in a strategic, tax-efficient order that maximizes your short- and long-term financial well-being.

Save enough for now so you can cover your bills, pay off debts, and weather the tough times, as well as save enough for retirement, medical bills, your child’s education, and other important expenses that may arise. occur in the future.

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“Buy now, pay later” plans come with pricey catches https://eaglerock-is.com/buy-now-pay-later-plans-come-with-pricey-catches/ Thu, 28 Apr 2022 13:38:22 +0000 https://eaglerock-is.com/buy-now-pay-later-plans-come-with-pricey-catches/ Buy Now, Pay Later (BNPL) plans are increasingly being offered as a convenient credit alternative that allows purchases to be made in installments, typically four payments over six weeks. The so-called “fintech” (financial technology) companies that offer these plans often advertise them as offering consumers interest-free payments without impacting credit scores. But consumer groups and […]]]>

Buy Now, Pay Later (BNPL) plans are increasingly being offered as a convenient credit alternative that allows purchases to be made in installments, typically four payments over six weeks. The so-called “fintech” (financial technology) companies that offer these plans often advertise them as offering consumers interest-free payments without impacting credit scores.

But consumer groups and economic justice organizations point out that these financial products that already reach 8.42 million consumers may be just another explosive form of predatory lending that exploits unsuspecting consumers through a lack of transparency that usually leads to confusion as to the true terms and consequences that flow from it. with the product. Without effective regulation, millions more consumers could be financially duped by the BNPL.

Consumers can use BNPL offers from companies such as Affirm, Klarna, PayPal Pay in 4 and Sizzle, as well as others at physical stores like Macy’s, Footlocker, Target and Walmart, and online retailers like Amazon.

BNPL purchases require direct debits from credit or debit cards. Since each BNPL purchase comes with its own set of payment due dates – unlike the fixed payment date of a credit card bill – these ongoing deductions can easily result in additional bank charges for consumers in case of insufficient funds and overdrafts. And many BNPL transactions do not automatically come with the product return and/or fraud protections offered by credit cards. Instead, these credit terms are currently at the discretion of BNPL’s suppliers. As a result, consumers may find themselves without merchandise, while their money is still taken from debit or credit card accounts.

Complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau noted several consumer issues, including lack of information about initiating disputes, delays in receiving refunds, and continued demand for refunds BNPL lenders.

Last November, Marisabel Torres, California policy director for the Center for Responsible Lending, told Congress that BNPL loans are generally designed to avoid coverage under the Truth in Lending Act (TILA).

“This law excludes from the definition of “creditor” anyone who grants a credit which does not require a financial charge and is repayable in four installments or less…. The fact that this is a “free credit” product begs the question: what is the problem? Torres said. “It turns out there are a number of captures – some demonstrable, some potential – that require regulatory attention and response.”

Proponents say many adverse effects could be avoided if BNPL lenders were required to verify a consumer’s ability to repay before the first loan was made. Instead, as with payday loans, each billing cycle tends to worsen, rather than improve, the borrower’s financial situation, dragging them deeper into the debt trap.

Just a month later, in December 2021, consumer and economic justice advocates applauded the CFPB when it announced it would open an investigation into the BNPL’s big lenders.

“By opening this investigation, the Office of Consumer Affairs is taking an important first step in understanding this industry and preventing harm to consumers,” said CRL’s Torres.

Without vigilant oversight and proper regulation, warn Torres and other advocates, products promising to promote financial inclusion could instead exacerbate financial exclusion.

Last March, a coalition of 77 organizations representing national consumer organizations and advocates from 16 states and the District of Columbia sent a letter urging the CFPB to treat BNPL as a form of credit and subject lenders offering the products to regulation under appropriate consumer financial protection laws. like TILA. This law requires responsible underwriting, disclosure of fees, and the ability to dispute billed items.

Without regulation, the growing use of BNPL could lead to further financial harm for consumers, especially those with the least financial resources.

Charlene Crowell is a senior researcher at the Center for Responsible Lending.

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