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Loans Direct App for Easy Calculation of Your Loan Repayments
May 30, 2014 EPR Financial News
Now you can simply calculate your repayments with an app designed and developed by Loans Direct. This Loans Direct Mobile App also features a home loan calculator, car loan calculator, personal loan calculator, mortgage insurance calculator, truck loan calculator and stamp duty calculator for property investors or potential buyers in Australia.
How about a Smartphone app that helps to calculate loan repayments and makes it quite easier to calculate monthly payments, lump sum and extra payments of home loan, car loan or personal loan. Just one tap on your smartphone screen and the financial figures are right at your fingertips.
Loans Direct, a financial group providing an array of financial solutions in Australia, has recently launched a mobile application that eases the task of calculating figures and numbers to know variety of aspects related to a loan. Whether you have a Nexus or any other Android-based Smartphone, you can download this app Free from Play Store and continue to use with full features without paying anything. The app is a kind of financial calculator integrated with tools to provide information about loan repayments in yearly, quarterly, monthly or weekly payment schedule. The app also includes Home Loan Calculator, Personal Loan Calculator, a Stamp Duty Calculator and a Car Loan Calculator for potential buyers, investors, brokers as well as lenders.
Here are some of the major highlights of this app:
• This ready to use app, after successful download, you can calculate loan repayments and borrowing limits.
• You can also calculate lump sum payments to save the interest and other irrelevant charges on your basic loan amount.
• Rate comparison to find monthly repayments
• This app has a graphical summary of a loan and extra payment frequency to repay the Loan amount sooner.
To know more about its features click here.
Moreover, this app also contains information about the state wise comparison of stamp duty, the latest stamp duty fees and charges specific to Adelaide, Melbourne, Canberra, Sydney, Perth and Brisbane.
Loan Direct is a group of financial experts and brokers in Australia that provides financial services and solutions as well as professional assistance in Loan Application processing, credit repair & restoration services, Large Project Financing and Loan Comparison from banks and financial institutions in Australia.
Mr. Harry Goyal
Contact Number: 03 9819 4656
Address: Suite 19, 17-19 Miles Street
Suburb: Mulgrave VIC 3170
City/State/Country:Melbourne/ Victoria/ Australia
Fax Number: 03 9818 3300
Mail : Info@iloansdirect.com.au
ACN: 385597
Our Website: http://www.iloansdirect.com.au/
Via EPR Network
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Debts, Financial, Financial Services, Loans, Money, Personal Finance
PaydayLoans@ Company Provides Faster Application Procedure
October 12, 2012 EPR Financial News
Money has always been an issue for some category of people. It has always been hard to earn money and to save it. Even now after several hundreds of years later the situation is basically the same. Nothing has changed. Even now people have the same financial problems when they lack money and are not able to find a way-out. A sudden urgency may occur when the person does not obtain a required sum and he/she does not know where to find the required funds.
Still, a perfect way-out has been found out. Taking into consideration all the financial and life obstacles in the modern society it is quite difficult to stay on top of the financial life. That is why the companies that have deal with small loans, have thought over every possible point to make the procedure even easier that it used to be.
PaydayLoans@ belongs to the privileged group of the companies with a friendly and highly professional staff. It suggests its customers the most convenient way to receive the payday loan online in a hassle-free and fast way. There is no need to gather all the personal and financial documentation into one file and drive it or send to the bank. The only thing is required is an Internet connection.
To order a loan till payday at PaydayLoans@ company is the most simplified way to do this. The usual procedure is about fulfilling a simple online application form, submitting it, waiting for a reply from a lender by phone or via e-mail, receiving money in 24 hours. Money will be automatically sent and withdrawn from the customer's personal bank account.
Instead of roaming all over the city looking for the appropriate bank which will agree to give a small loan, it is so much easier to find a site of PaydayLoans@ company and fulfill an easy application form online. The entire process takes approximately ten-fifteen minutes of time and is simplified as much as possible. For more information read this article regarding the service offered on the website.
A lot of people were hesitating at first while applying for the payday loans, but later on they had realized that those loans were the most convenient way-out of the tough financial issue that might occur to anyone.
installment loans for bad creditpayday loans online
Assets, Debts, Financial, Financial Information, Financial Management, Financial Services, Home Equity, Loans, Money, Mortgage, Personal Finance
Research Show 4.4 Million over 21s Still Rely on the Bank of Mum and Dad, reports Bower Retirement Services
September 24, 2012 EPR Financial News
Research from LV = reveals 4.4 million over 21 year olds still borrow money from their parents. The average monthly donation from parents to adult children is £175. This is used to cover rent, bills and help pay off debts. Additionally £9,476 is awarded to fund weddings, holidays, further education and to help young adults get onto the property ladder. Although it helpingyoung adults is hardly surprising, the research revealed parents expect to continue to support their 'children' until the age of 38, now the average age of a first-time property buyer.
This obviously puts great financial strain on Britain 's parents. It eats into retirement funds and one in ten parents surveyed by LV = admitted they had spent everything they had on their children. The issue isn't going to go away soon, particularly if predictions that the average age of a first-time buyer will be 41 by 2025 are correct.
Parents need to prepare for the future early to ensure they are well equipped financially to provide for themselves and help out their grown-up children when necessary. There are several options available, but with interest rates currently being so low, saving plans aren't the most viable option.
Equity release plans are a more effective option for homeowners. Bower Retirement Services, an award-winning equity release advice service, can help homeowners find anequity release plan that's right for them.
There are four types of plans available: lump sum lifetime mortgages; lifetime mortgage with flexible cash release, also known as a drawdown mortgage; interest only lifetime mortgage and home reversion plans.
The most suitable, and now the most popular comprising 68% of the market, are drawdown plans. Homeowners are lent money based on their property's value and additionally can withdraw regular cash amounts at a frequency and value chosen by the individual. Interest is charged, but it's only repaid when the homeowners die or move into permanent care. These mortgages allow parents to look after themselves during retirement but also offer the ability to provide assistance to their offspring.
Equity releaseequity release adviceequity release calculatorequity release plans.
Equity Release Becoming Popular Retirement Fund Solution for Baby Boomers, say Bower Retirement Services
The total value of equity release advances from April to June 2012 was £224.8 million, reported the Equity Release Council, an increase of 22% on the same period of 2011. Additionally, this amount represents the highest quarterly figure since 2009 (£231.7 million). Furthermore, the real number of plans grew by 16% between Q2 2011 and Q2 2012 showing interest in the market is up, along with actual value.
According to the Equity Release Council's figures, people are now choosing to take drawdown plans instead of lump sum mortgages. This shows they prefer to spread risk and use equity release as a retirement income. The news comes as its revealed retired homeowners now have a total unmortgaged property wealth of £756.7 billion.
Bower Retirement Services, which offers award-winning specialist equity release advice, says equity release is a simple and effective option for homeowners looking to provide for their retirement and it exploits the property price rises of the last forty to fifty years. Many in the baby boomer generation lost large amounts in pension blunders in the nineties and again in the last recession. However, thousands continue to be locked up in property, potentially providing a retirement income for homeowners.
Bower Retirement Services offers advice on all types of equity release, from lump sum lifetime mortgages to home reversion plans, and its equity release calculator is designed to help homeowners accurately gauge how much cash they can expect to release on each type of plan.
There are four types of equity release plan, but drawdown plans now the most popular, accounting for 68% of the value of the entire equity release market. Bower Retirement Services says these types of mortgage are most suitable to homeowners looking to provide themselves with an income during retirement. The lender loans the homeowners a percentage of the property's value and also agrees to pay a regular cash sum, or 'drawdown' on the mortgage value. Interest is accrued, but it is not charged until the homeowners die or move into long term care. Homeowners choose the term and value of the drawdowns, offering more flexibility than a standard remortgage plan.
Payday Loans UK Have Announced That They've Added A Further 10 Payday Lenders
If you've ever tried to find a good payday lender before then you'll more than likely know how difficult that it can be to find a lender that suits your own particular borrowing needs as they all have different lending critera and terms. However, instead of going from one payday lenders site to another you can now just use a service like the new one offered by www.paydayloansuk.org.uk to compare multiple lenders at once.
Payday Loans UK compare loans from more than 30 different payday lenders so that you get the best deal but over the last few days Payday Loans UK have announced that they've added a further 10 payday lenders to their site.
Speaking on behalf of Payday Loans UK, Russell Beech said "We're delighted that we've teamed up with another 10 lenders so that people have more of a choice to choose from when using our site". As well as this, Russell also commented that Payday Loans UK "plan to add even more payday lenders in the near future too". This is great news for consumers as more competition usually leads to more competitive prices so the APR that these companies charge will almost definitely come down very soon.
Not only this, but many of the new lenders that have been added to Paydayloansuk also have a swift payment option which basically means that if you get a cash loan with one of these companies you could have the money that you borrowed within just 15 minutes!
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PaydayLoansAt.com Launches Online Loans With Direct Processing
There are so many different options to get money when there is a need: to rob a bank, for example. Still this act will be considered as illegal. PaydayLoans@ company suggests its customers most important, a legal, easy and the most convenient way to get money in a fast and hassle-free way.
No documentation, paperwork and gathering all the information will be required from the consumers as the service is totally faxless and online. That is the reason why the payday loans online at PaydayLoans@ are so well-utilized by the clients. Most people have got a very traditional type of
thinking. Therefore when they are asked of the place where they are able to get a loan, even a small one, they will answer that this perfect place is bank. The trick is that they are mistaken. They will never get small loans at the bank. Still a customer will have to collect all the paperwork concerning his/her personal and financial data, and even some more that does not have any sense.
That is why one of the best and most experienced companies such as PaydayLoans@ has improved its brilliant service of the payday loans online. It has made the loans with same day processing. So, now it is possible and extremely easy to avoid all the fuss and receive an approval at the same day.
Generally the procedure of getting a loan till pay day is all about ordering the required funds till the salary arrives. And when it does, the given money will be automatically withdrawn from the personal bank account. Such kinds of loans are very popular nowadays as there is no credit checking provided by the direct payday lenders.
The process involves several steps. Firstly, there is a necessity to fulfill an application online that is on the company's site, which consists of several basic questions that will take the customer just 10 minutes and no longer. After having submitted the form, it will be automatically sent to the lenders and they will decide about the customer's approval. But there are no reasons to worry, for the service is very democratic and loans are given almost to everyone. Having got an approval, the customer will be informed by phone or with a letter via e-mail. He/she will be contacted within one-two hours. That is the newest achievement of the company as then money will be transferred directly to the client's personal bank account.
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LoanAdvances-PaydayLoans Reports Spike in New Applications and Reapplications
Loan Advances-Payday Loans has reported a significant rise in the number of loan requests that have been processed and approved over the last 2 years. This was the main gist of the performance report which was presented by Donna Millstone, Division head for short term loans and debts.
In a year to year comparative performance review, the company has posted a 74 percent increase in the number of payday loans that have been processed and approved, and of this number, nearly half of it is comprised by reapplications.
Millstone attributes these positive performance indicators to the strategic positioning by the company in the highly competitive market for subprime payday lending service which was anchored on topnotch customer support and high approval rates.
In a related development, QEC Money, an independent think tank that advocates consumer welfare and proper money management, has reported that the demand for payday loans and other similar short term loans has grown by nearly 60 percent over the last 6 months of the current year.
According to a reliable source within the group, this dramatic jump in the demand for short term loans is a clear indication that an increasing number of Britons are feeling the pinch and are constantly searching for ways to keep their heads above water. "In most instances, they have opted for a pre-payday quick fix," the unnamed source explained.
LoanAdvances-PaydayLoans.co.uk has had a remarkable 37 percent approval rate since its entry into the subprime lending market. The loan requests are normally approved in less than an hour and borrowers can rely on a quick transfer of funds to their bank accounts. In addition to this, the company has also proven its mettle in providing fast and professional support and assistance to its clients for a wide range of concerns and issues.
"We adopt a cutting edge processing and referral system and we have a solid track record when it comes to our response to loan request of potential borrowers," Millstone added. Known for its uncompromising advocacy for responsible lending practices, the company has continually endorsed applications and been transparent around costs for appropriate short term need for cash of prospective clients.
Millstone is quick to add that despite the criticisms and negative reports on this subprime lending service, it remains to be a popular and highly
proven financial tool for a significant number of Brits who are going through short term cash crunches.
"Our company and other providers of payday loans and cash advances are actually servicing the cash requirements of the segment of the market that is not actually served by banks and other similar lending entities," Millstone explained.
Unlike banks and other similar lending institutions, www.loanadvances-paydayloans.co.ukis taking a different tack and assesses loan requests based on the monthly income of potential borrowers. The amount of loan provided by the company will not exceed that which can be paid back by the applicant within the specified payment period.
The demand for payday loans is expected to continue to rise until next year and the company assures its clients that it will maintain its current loan offerings and services and adopt the same approval rates to keep up with the requirements of its growing clientele.
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Bower Welcomes the ReLaunch of SHIP
June 19, 2012 EPR Financial News
Bower Retirement Services, winners of the 2011 Equity Release Awards, welcome the relaunch of Safe Home Income Plans ('SHIP') as The Equity Release Council (The Council). Bower welcome also the decision of the trade body to broaden its membership to include financial advisers, solicitors, surveyors and other interested parties.
SHIP was established in 1991 by the major product providers as the body to safeguard the interests of consumers entering into equity release plans. Over the past 20 years, SHIP has been very successful in improving the reputation of equity release and in promoting consumer awareness of the products available. The main focus of the Equity Release Council will be to protect consumers and increase education, awareness and understanding of how equity release works, the options available and the consumer safeguards that are in place.
Geoff Charles, Managing Director of Bower commented:
"We welcome the new organisation and look forward to joiningand supporting the Equity Release Council. The changes are excellent news for elderly homeowners who are seeking to release capital from their homes in order to raise a lump sum and/or to supplement their retirement income. The extension of the membership and SHIP standards to all participants in the sector will strengthen consumer confidence and reinforce the message that equity release plans are now mainstream retirement products."
Bower Retirement ServicesEquity releaseSafe Home Income Plans
Payday Express appoints new facilities co-ordinator to ensure staff wellbeing
Short term payday loan provider Payday Express has enlisted a facilities co-ordinator to support its focus on staff wellbeing.
Kristina Winch, who began with Payday Express as an administrator in September 2009, was appointed last month and has been focusing on making improvements to the staff break-out area. Vending machines providing snacks and hot drinks for staff throughout the day have already been installed.
The online payday loan service provider takes staff wellbeing very seriously, paying close attention to the working environment as well as to training programmes, ongoing job support and career development.
As well as vending machines, sofas have also been installed in the break-out area to give staff somewhere comfy to sit during their breaks. This is in addition to the Wii-Fit, which was introduced as part of the March "Be Fit" campaign.
The company also focuses on job satisfaction, aiming to equip employees with the tools and skills to carry out their jobs successfully and progress within their careers. This starts from an employee's first day in the company when he or she undergoes a two-day induction course, held by the company's experienced training staff.
Payday Express is a fast-growing company and in May the company recruited 30 new employees across their account management, contact centre and collections departments. Of the 30, 12 of the new starters were referred by friends who already work at the company, a statistic which is representative of the satisfaction felt by employees.
Richard Turner, human resources advisor at Payday Express, said: "Staff wellbeing is paramount. We aim to deliver this not only by creating a welcoming environment, but also by offering effective training and on-going support, which in turn ensures staff provide consistently high levels of customer service."
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Payday Loans Paid Enter the UK Payday Lending Market
Paydayloanspaid.co.uk has entered the payday loans online market in the United Kingdom. With a team of financial experts who bring with them an inordinate amount of experience in the unsecured loans sector in the UK, they aim to bring something different into the challenging internet, payday lending sector.
Head of online operations, Jenny Statham explained, ''Many payday loan applications are declined from a number of the main lenders in the United Kingdom due to their reliance on passing one application. Our payday loans are slightly different in that we can use our strong relationships with some of the payday lenders to ensure the majority of the applications are approved.".
Payday loans are a somewhat sensitive subject and have featured heavily in the mainstream British press in recent times, but it appears they could be featuring in the UK lending sector for some time. With some APR's of payday loans surpassing 4 figures, they have – in some quarters – been rightly criticised. Jenny Statham added, '' we try to make sure any potential applicant are fully aware of the associated costs that come with the payday loan agreement they enter into. Our advice to people who are considering entering into a payday loan agreement with a lender they have sourced through Paydayloanspaid.co.uk is to primarily focus on the repayment terms, if they are unable to meet the repayments costs then it is important they do not take on the payday loan."
With a plethora of payday loan operators frequenting the internet it can be difficult to decide what lender to choose from. Jenny Statham advised, ''if you are looking to secure a payday loan, it is important not to use the first lender you find. Spend some time researching the different providers to ensure you get the very best deal. As there are so many in competition with each other now, there could be some great deals to be found out there".
Paydayloanspaid.co.uk is one of countless payday loan lenders in the United Kingdom in what some commentators are calling a ''saturated market". They hope, however, to hit the ground running with an easy to use online portal, quality customer service and modest acceptance rates for new applications. Jenny concluded, ''we hope to attract people to our online portal who may not have used a payday loan, but have the capacity to service the loan, as new applications will typically have a greater chance of being accepted for a payday loan through our approval system".
DebtsFinancialFinancial ServicesLoansMoneyPersonal Finance
Bad Credit Rating Can Be a Symptom Of Identity Fraud
June 4, 2012 EPR Financial News
In 2012, we are more aware of the problems that arise from identity fraud than ever before, however a recent survey by loansforbadcredit.co.uk has suggested that we still do not fully understand the extent to which someone stealing our identity can affect out future chances of getting a loan.
Lead researcher, Peter Richardson, said "It is well known that most identity fraud cases are financially motivated. Fraudsters commonly open bank accounts, take out credit cards and attempt to take out loans using your name, address and history as a means of bypassing the credit checks. The result is potentially devastating to the victim's financial affairs, however the biggest problem is the bad credit rating you could pick up along the way."
Your credit rating is important, it's the first statistic a lender will check when deciding whether to offer you that mortgage you urgently need, or that credit card you have applied for, even the new mobile phone contract you wanted. If you have a blackmark on your credit record due to a fraudsters activity you could mistakenly be refused finance, it is thought over 4000 UK residents have found themselves in this unfortunate situation.
LoansForBadCredit.co.uk have noticed a steady rise in applications for short term loans for people with a bad credit score, as a result of the economic climate and issues resulting from events such as identity theft the number of people with bad credit is trending upwards with no immediate signs of slowing down.
With identity fraud rising year on year, experts have advised people to be extra vigilant with personal documents such as bank statements and utility bills and regularly shred them. By protecting your personal information you can vastly reduce the chances of being victim to ID fraud in the UK, reports show that people earning above £35,000 a year and living in London are most at risk. If your credit record has been damaged it is recommended that you request your own file from one of the leading credit agencies and have any mistakes removed as soon as possible.
bad credit loansIdentity Theftloans for bad credit
Cash Advances US Presents Installment Loans For Bad Credit
Being a reputable and trustworthy provider of online lending service Cash Advances US is being constantly developed by the professional and well-trained team of managers. Now the company is exploring the new ways to give people access to additional funds required in particular situations.
Today the company is proud to present a new product that is available even for consumers with non-perfect credit score and for those who find it difficult to repay the total amount of cash loan on the next payday. The service is called "installment loans". This form of online cash advance is associated with the specific installment plan and consumers taking out this loan can pay it back according to the set terms.
The main feature of a newly announced product is its repayment terms which allow the borrowers to make partial payments during the particular period of time. Some customers say that this way they find it easier to manage their budget and this was the main reason for Cash Advances US to design the service. There are a lot of people who experience difficult financial times and the goal of the company is to provide an instant access to extra cash that may be paid off in parts releasing people from concerns related to monetary hardships.
Most consumers applying to Cash Advances US are using the obtained money to manage the short-term needs and even though the amount available for borrowing is typically less than $1,500 some people still consider that it is financially hard for them to pay back the total cost of the loan on the next payday. Thus, the direct lenders cooperating with the company suggested to perform the kind of payday advance that can be repaid in installments and may be helpful either for people with perfect credit or with the poor one. Now, the company offers its customers to try bad credit installment loans.
The application process for these short-term cash advance loans is absolutely the same. An individual willing to borrow some money in a form of installment loans for people with bad credit needs to fill in the online form presented on the website of the company. The loan amount and terms are to be negotiated with the direct lenders participating in the network of CashAdvancesUS.
The Managing Director Clare Miles said: "The aim of our company is to give people access to fast and affordable solution to their money-related problems. Thus, we do our best to develop an easy and hassle-free service that will satisfy any customer applying to Cash Advances US."
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UK Payday Loan Study Predicts Increased Borrowing
A recent study by a loan comparison site, InstantApprovalPaydayLoans.co.uk (IAPL) has produced some interesting results concerning the usage of payday loans and the current market trend in order to predict future usage. Currently payday loans, also known as cash advances, are used by people in need of cash urgently. They are high interest, short term loans designed with ease of borrowing in mind.
Currently over 1 million people each year within the United Kingdom use payday loans to get access to instant cash, due to the economic climate and moves towards recession this figure is set to increase drammatically in the coming years. If existing trends continue it is predicted that by 2016 that over 2.1 million people will make use of a payday loan company, totalling over £2bn of combined borrowing. The majority of payday lending is carried out online on websites such as instantapprovalpaydayloans.co.uk which makes the process hassle free, however it is important that new borrowers realise the potential downsides to using this form of borrowing as expenses can spiral out of control.
Projections analyst at IAPL, Tim McGregor explained, "Although the forecast is for a steady increase in lending to occur throughout the UK the trend can be greatly affected by outside influences, for instance a stable economic recovery will significantly reduce the numbers of people borrowing with payday loans due to the positive effect of lowering the existing record-high unemployment figures."
It is widely noted that a majority of people looking to get quick finance have a bad credit history, cash advances are often described as loans for bad credit however, as long as the borrower is fully aware of the contract they are entering in to with a payday lender and make repayments on time there will be no further problems.
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Paydayloansavailable.com Aiming to Decrease Application Times
May 9, 2012 EPR Financial News
Paydayloansavailable.com is the latest online payday lender to have adapted an online lending portal to service UK residents who may be in need of an unsecured lending facility. With the onset of broker style lending, payday loans are now being processed online in the UK by many service providers using state of the art ''Pingtree" technology, working in unison with the UK's leading payday lenders, and the application facility now being operated by Paydayloansavailable.com is certainly no exception.
The application harnesses secure technology to enable new and existing applicants to push their details through to a panel of lenders after submitting one application form online. The details are transmitted through to the lenders via the application and the subsequent decision is made by one of the chosen payday loan lenders. Jenny Davis, applications manager at Paydayloansavailable.com explained, ''we have decided to integrate a Pingtree style application within the site to give applicants a credible opportunity to access funds. The main advantage we have is that all of our applications are submitted to different lenders. The payday providers will then either accept the loan application based on the data that has been submitted, or it will be declined. Either way there is a reduced time implication which can only serve to benefit our customers".
Online payday lenders are now entrenched within the UK's unsecured finance sector and it is evident the increased competition has not always culminated in an improved service provided. But, Paydayloansavailable.com aims to at least serve their customers quicker than ever before, as well as giving them increased opportunity to secure short term, unsecured funding online. Jenny Davis added, ''there is still a real need in the UK for short term loans and unfortunately there is not the availability of funding through the mainstream lending channels. Whilst we do not condone irresponsible lending, it is important to acknowledge there is a need for credit and we hope to be able to provide an opportunity for finance".
Paydayloansavailable.com is aiming to make an impact on the lending sector in the UK. Despite their relatively short time operating online, by implementing cutting edge technology into their service provision, they may well be making a positive statement of intent.
Credit Cards, Debts, Financial, Financial Information, Financial Services, Loans, Money
ComplexSearch.com Releases The 2012 Guide to Good Credit Score Ranges
ComplexSearch.com officially releases the "Good Credit Score Guide," a number of credit score articles and a series of five credit score infographics designed to educate the general public.
Credit score number is crucial to your financial health, especially with just how much the average American relies on debt. With a poor credit score, consumers are more likely not to be approved for a loan or, if they do get approved, they are likely to pay more in interest charges.
"We've created our guide to help consumers manage their consumer credit," says Nathan Richardson the founder of ComplexSearch. "That is why we put a whole host of files dedicated to helping consumers improve their credit score with simple – and free – how-to guide."
Credit scores are becoming more ubiquitous in our daily lives with TV, online and various advertising mediums filled with companies offering free credit scores. "More and more companies are offering seemingly free access to your credit score, but what we've found is many of these companies are charging for services that essentially can be accessed for free," Nathan continues. The credit guide also includes pitfalls and other various credit score scams to watch out for."
The new guide to credit scores was previously released in 2011, and was updated for 2012 by talking with several credit experts. This new guide represents the latest information on the average credit score ranges.
About ComplexSearch
ComplexSearch is a personal finance blog dedicated to discovering the latest bank rates on savings accounts, certificate of deposits, money markets, credit cards and other deposit accounts. ComplexSearch also focuses on detailed reviews on the top banks in the United States and Canada, by aggregating reviews from several top resources online — this quick resource allows people to find the up-to-date bank reviews in 2012. ComplexSearch is also a provider of personal finance opinion and advice, offering new articles weekly.
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Payday Loans Specialist Strengthens Its Credentials As A Responsible Lender
April 27, 2012 EPR Financial News
WageDayAdvance, one of the UK's leading online payday loans providers, has announced the appointment of a new risk analyst manager, as part of a move to reduce risk and promote responsible lending.
The company employs more than 150 people at its head office in Yorkshire, and helps people across the UK to find cost-effective borrowing solutions every day.
Abhishek Khurana, a specialist in risk analysis, will help the company to maintain and reinforce its reputation as a responsible lender. By drawing on his extensive experience in the financial analytic industry, Abhishek will work to improve WageDayAdvance's ability to understand which customers can actually afford to borrow, and streamline the firm's lending strategies. He will also help to make sure that successful applicants have agreements that fit their personal circumstances, allowing them to make affordable repayments on time.
Abhishek said: "I am delighted to join WageDayAdvance at this exciting time of their development. The company is now one of the leading payday lenders in the UK and is growing rapidly.
"I will be looking to build a high-performance analytics team that will work with each functional area within the business to build a set of standardised reports or dashboards, and analyse key information to provide usable insight into the business that can influence major management decisions."
Abhishek is an MBA graduate from Leeds Business School and also holds a M.Sc. in Management Consultancy. He joined WageDayAdvance in March from The Lewis Group, where he was employed as a senior MI analyst. Abhishek has nine years' experience working in analytics, collections and call centre environments.
Ross Chapman, Business Development Manager at WageDayAdvance, said: "We're excited to have Abhishek as part of the team and know his experience is sure to prove invaluable in helping the company to further strengthen its responsible lending practices and ensure that we're always providing a first class service for our customers."
payday loansWageDayAdvance
247 Payday UK Launches New Payday Loans Website with a Conscience
Payday loans website, 247 Payday UK launched at midnight on April 24th 2012. The message is clear that this new online lending facility wants to be "a little bit different" in comparison to other payday lenders currently operating in the somewhat saturated payday loans market within the United Kingdom.
With a new website fresh out of the wraps, a dedicated marketing team and an ethical approach to lending, it is hoped that the future could be bright for 247 Payday UK.
Richard Painter, 247 Payday UK's operations manager explained, "from the outset we have wanted to be clear with our customers around issues such as payday loan repayment costs and implications of taking on this type of loan arrangement". Although the website is in its infancy 247 Payday UK has focused on transparency, providing a payday loans guide that Richard added, "will continue to be built upon and developed over time to ultimately create a hub of information for new and existing customers".
Richard has over 5 years' experience within the UK payday market and stated that he has seen a shift in recent times to a more competitive sector, but would like "more transparency and openness between the lender and the customer".
His involvement with various payday loans operations all over the UK has enabled Richard to see the positive and negative aspects of the industry. Richard is clearly excited at being part of the new team and explained, "we have sourced some experienced payday loan specialists, with a blend of youth and experience, to hopefully create a winning formula in helping to promote our fresh and innovative payday site".
With 247 Payday UK coming into an already tough financial sector, it may well be a bumpy road ahead for Richard and his team. It is however evident that they are not attempting to reinvent the wheel, but to be open and honest with their potential customers and this could ultimately be a winning formula.
247 payday UKLoans
Payday Loan Company Continues Partnership With Build Africa Charity
Online payday loans provider Payday Express is continuing to support the Build Africa charity as part of an ongoing partnership.
Payday Express currently sponsor the charity's Village Savings and Loan Associations project, which is made up of self-managed groups of people whose members pool savings to help those in need. These groups receive no external capital and use what they have to provide members with a safe place to save their money, access to loans, and a place for them to contribute to a welfare fund.
Payday Express believes that the charity gives families the opportunity to save and invest their way out of poverty. The online payday loans company makes payments every two months, which will help to establish six Village Saving and Loan Association (VSLA) groups in a year.
Kristina Winch, administrator at Payday Express, said: "The donations we provide to Build Africa helps communities transform their futures."
And success has already come as a result of this sponsorship, with money going towards helping Top Ten – a new savings and loan group set up by Build Africa in a poor rural village in Uganda. The Top Ten group has 30 active members, one of whom is Suzan.
Suzan saves 5,000 Ugandan shillings each week (equivalent to approximately £1.20) and borrowed from her group when she and one of her six children became ill. The money was used for medical help which she would otherwise not have been able to afford, and to rent an acre of land on which to grow maize.
Call centre manager at the payday loan company, Carl Mountain, said: "Payday Express staff donate to various charities month to month, but it's great that in addition to this the company regularly sponsors such a great cause as Build Africa, to help communities in Africa save their way to a better life."
Find out more about Build Africa's Village Savings and Loans Associations here: http://www.build-africa.org/pages/village-savings-and-loans-associations.html
Find moneysaving and careful spending tips to help you keep control of your finances by joining Payday Express on Facebook.
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Payday Express Launches 'Be Fair' Fair Trade Month For April
UK provider of no fax payday loans, Payday Express, has made April "Be Fair" month and is encouraging staff to think about and use Fairtrade products.
The move follows the success of Payday Express's "Be Healthy" month, held during March.
The usual tea, coffee, sugar and hot chocolate provided for all employees at the payday loan company have been swapped for Fairtrade equivalents, and the company is aiming to continue the use of fair trade brands and products wherever possible in the future.
Payday Express also bought each of its staff a fair trade chocolate to celebrate Easter.
Sarah Carroll, operations manager at Payday Express, said: "We like to raise awareness of different causes at Payday Express and this month's focus on fair trade is going down well. Staff are learning things they did not know about the types of fair trade products they could buy and the value they can add to the lives of producers."
The staff notice board, situated in the kitchen, is adorned with posters and information about Fairtrade products, including food, beauty products and cotton. The board also displays information about what Fairtrade is all about and how it helps farmers to earn a fair price for the products they produce and export. Information about the cost of Fairtrade produce is also provided, along with a price comparison with non-Fairtrade products, which shows that there is often little or no difference between the two.
The online payday loans provider already holds a dress down day every Friday and collects £1 from all employees, with the money collected being donated to the chosen charity of the month – this month's chosen charity is the Fairtrade Foundation.
Marketing administrator at Payday Express, Cigdem Husseyin, said: "The Fairtrade Foundation is a very worthy charity, helping farmers acquire a better deal for their produce, to consequently help give them and their communities a better life."
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Payday Express Supports Staff Development
April 6, 2012 EPR Financial News
Payday Express continues to demonstrate its commitment to staff development with training programmes and mentoring schemes for those looking to build their careers within the company.
The latest to benefit from this commitment to training and development are Laura Kent, Louis Dixon and Lauren Harding – all of whom are or have been seconded to various teams within the business.
Laura Kent started at the payday loan company in May 2010 and spent her first 12 months as a customer support agent. During her time in this role Laura was given the opportunity to get involved in quality monitoring as well as group training for all new starters at the contact centre.
She was singled out as an employee with drive who wanted to progress her career at the no fax payday loans company. She was offered a secondment as a customer relations officer and is now working permanently in this role.
Laura said: "The company recognised my drive and determination and has supported my career path change as a result.
"It has helped me to develop and continue to progress and I really appreciate being encouraged to challenge myself."
Two other contact centre employees, Louis Dixon and Lauren Harding, are currently on secondment within the training department. They have been on Train the Trainer courses and are getting involved with group training, inductions and quality management on a daily basis.
Payday Express also provides a trainee team leader course to agent-level employees who have leadership potential.
The focus on supporting staff in career development is paramount at Payday Express and new roles are always advertised internally to give employees the chance to progress or to embark on new careers within the company.
Richard Turner, Payday Express's HR adviser, said: "We support and encourage staff development so that our employees can reach their potential and pursue their chosen career paths. It is always great to see individuals grow within the company."
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Near the 11,000-year-old bones of a native horse, University of Calgary researchers recently found a stone spear point still bearing traces of horse blood, powerful evidence that the animal had been killed by human hunters. The tracks of extinct beasts—muskoxen and camels—surrounded the site in southern Alberta. Among them were prints that paleontologist Len Hills suspected had been made by woolly mammoths.
For McNeil, the mammoth trackways at Wally's Beach brought the extinct giants dancing back to life. In one spot, a moment of play between two young animals was written in the sand."One is probably in its late teens, the other around 10 years old," he says."You can see them curving around, chasing one another." On another stretch of beach lay the tracks of a mother and her young calf, the juvenile almost running to keep up.
At the end of the Pleistocene Epoch, the last ice age, North America lost an array of spectacular mammals, including the woolly mammoth and four other species of elephant, native horses and camels, giant sloths, bear-sized beavers, saber-toothed cats, and dire wolves. At the same time, Clovis people—a culture of efficient hunters who left elegantly chipped spear points buried in the ribs of mammoths and other extinct creatures—spread across the continent. Many paleontologists believe that humans helped drive the big beasts to extinction, while others argue that the die-off was due to rapid climate change that radically altered habitats as the glaciers receded.
The debate is among the hottest topics in paleontology. Now, a growing number of studies that use data on living elephants to help interpret the lives of mammoths and mastodons offer new perspectives on the problem and suggest that while human impacts alone may not have destroyed America's megaherbivores, they most likely were the straw that broke the elephant's back.
For decades, conventional wisdom held that the mass extinctions of the late Pleistocene were caused by climate change. Paul Martin, the University of Arizona paleoecologist who first suggested that Clovis hunters wiped out the megafauna in a blitzkrieg of hunting, was widely viewed as a crackpot when he proposed his theory 30 years ago. Today, many of his colleagues accept the idea that humans had a hand in the demise of America's biggest mammals, though each might envision the details differently.
One obstacle for proponents of the climate change theory is that the end-Pleistocene warming trend was no more severe than the many previous interglacial heat waves that came and went during the ice age. A scattering of creatures, large and small, faded away during these interglacials. Yet most of the big beasts survived until the end of the Pleistocene, when humans became widespread in America—and then a wave of extinctions struck, affecting only those animals large enough to catch a hunter's interest.
Tracks, bones, and human artifacts at Wally's Beach show that vanished Pleistocene mammals, including horses, camels, mammoths, and muskoxen, coexisted with people for at least 200 to 300 years along the banks of the St. Mary River. The mammoth tracks open a window to the past in ways that bones often cannot. Because modern African elephants are about the same size as woolly mammoths, data on living elephants can reveal the size and age of the mammoth that left a track, the speed at which it was moving, the condition of a family group. The Wally's Beach trackways indicate a population dominated by adults, with juveniles making up only about 30 percent of the total.
Haynes has traveled to Kenya, South Africa, Namibia, and Zimbabwe to study the ways that elephants die and the evidence they leave of their passing. When Hwange National Park in Zimbabwe decided to cull their elephant herd, which managers believed had become too large to be sustained within the limits of the park, Haynes was able to mimic the way a Stone Age hunter would have butchered an elephant and observe the impacts on the bones—a way of confirming that marks and cracks on fossil mammoth bones did indeed indicate humans at work.
Haynes believes that a warming climate altered late Pleistocene vegetation, fragmenting mastodon and mammoth populations into small enclaves of remnant habitat. American elephants must have traveled along obvious trails, lined with dung, just as African elephants do today. And like modern elephant trackers, Clovis hunters would have learned to read elephant trails, to determine from footprints both the size of animals and how fast they were moving. Finding big game would have been easy. In his scenario, climate change made the megamammals vulnerable, and humans gave them a killing blow.
Modern African and Asian elephants are the exception to a global die-off of their kind that began long before recorded history. One million years ago, a variety of elephant species lived throughout Africa, Eurasia, and the Americas. A recent study by Todd Surovell, an archeologist at the University of Wyoming, finds that elephant extinctions followed the movement of modern humans out of their homeland in Africa. The gradual northward range contraction of elephants, he says, followed by their ultimate extinction in Europe and the Americas, traces the path of human population expansion over the course of 1.8 million years.
Surovell analyzed known sites worldwide containing elephant bones along with strong evidence that humans had killed or butchered the animals. Demonstrating that a fossil elephant was used by people is difficult: With smaller creatures, elk for example, hunters cut off body parts to transport them back to camp. Elephant bones and meat are so heavy that people instead moved their camps to the carcass. Sites widely accepted by archeologists as examples of humans exploiting elephants show a pattern of a single dead animal, surrounded by flakes of chipped stone created as the hunters worked their butchering tools to a sharp edge. In a few cases—most often at North American sites—a spear point has been left buried among the bones.
The oldest evidence of people dining on elephant comes from the time of Homo erectus, 1.8 million years ago, in Tanzania's Olduvai Gorge. By 500,000 years before the present, modern Homo sapiens were hunting elephants in the Mediterranean, and people left a trail of dead proboscideans behind as they moved north through Europe and Asia. As glaciers retreated at the end of the ice age 11,000 years ago, our ancestors penetrated the high Arctic, and woolly mammoths died out except in a few remote refuges, such as Wrangel Island in the Arctic Ocean, that were bypassed by the human tide. Around the same time, Clovis culture spread quickly across North America, and mastodons and mammoths vanished.
Out of a Pleistocene abundance that included seven genera and more than a dozen species spread over most of the Earth, only the Asian elephant, Elephas maximus, and the African elephant, Loxodonta africana, survived. Martin suggests that these elephants had the advantage of a long, slow coevolution with humans. They had time to learn that people were dangerous, to become wary and find ways to defend themselves. In the places where elephants vanished fastest—the Arctic and the Americas—naive animals were suddenly confronted with a deadly new predator. The humans who pushed into these new territories had been honing their elephant-hunting skills for generations.
African elephants in the wild live in family groups, usually led by an older matriarch and including several females and their calves. When male calves reach their early teens and become sexually mature, they're evicted from the family group and must make their own way. A young male's first year or two on his own is a lean time, as he slowly learns how to find food and avoid conflicts with other elephants.
Using data on the life cycle of modern elephants for context, Daniel Fisher of the University of Michigan reads signs of intense hunting pressure in fossil mastodon and mammoth tusks. Tusks grow throughout an elephant's life, adding new layers of dentin. Like the growth rings of a tree trunk, the width of dentin layers reflects easy or hard times. When animals are in good condition, they add more tusk material in a given length of time; when they're stressed by shortages of food, the dentin increments get thinner.
In a sample of 10,000- to 12,000-year-old mastodon tusks from the Great Lakes region, Fisher found a steep drop in tusk growth rate in males at about the age of first sexual maturity. In females, tusk growth rate drops in a different pattern, one that reflects the added need for calcium and phosphate during pregnancy and calving. Over the course of 2000 years at the end of the Pleistocene, he found that the age of sexual maturation in mastodons decreased by about three years, from age 13 to age 10. This earlier maturation is the opposite of what Fisher would expect to find if climate change—and a subsequent loss of food sources—was the main stress facing the megamammals. In hungry times, living elephants will delay sexual maturation until the age of 20 or so, building their reserves before they begin the energy-intensive process of mating.
A rush to sexual readiness fits with the idea that the mastodons were suffering from hunting pressure. Under heavy predation, many animals mature earlier, giving them more of a chance to reproduce before they're hunted down. "We have analogies that support that idea in everything from fish to large mammals," says Fisher.
Although male elephants leave their natal groups in their early teens, they don't start courting females until they go into musth, a heightened hormonal state that can turn otherwise calm animals into aggressive hotheads. Most African elephants begin to go into musth in their mid-20s. During musth, they fast and fight with other males for access to females in estrus. Fisher has studied evidence of musth battle injuries in the skeletons of male mastodons and mammoths, and now he's begun to analyze a record of musth in their tusks, a seasonal thinning of the dentin layers that begins after age 20. Although he cautions that he needs more data in order to draw any firm conclusions, he's beginning to suspect that late Pleistocene mastodons were going into musth at unusually young ages—a possible symptom that they lived in a declining population whose social structure was disintegrating.
A modern example occurred in the mid-1990s in Pilanesberg National Park, South Africa. Elephants had been wiped out in the area, and when the park was established, young orphaned animals were brought in to reestablish an elephant population. In normal elephant societies, mature bulls keep the younger males in line and somehow regulate the onset and length of the youngsters' musth. There were no mature bulls in Pilanesberg, and in their absence, several young males went into musth at younger ages and for longer periods of time than had previously been known. Hyped up on hormones, the young bulls ran amok, attacking rhinos and, in two cases, people. Pilanesberg's angry young elephants were brought under control when several older males were transplanted from Kruger National Park. The males each found a niche in a hierarchy ruled by the older bulls, their periods of musth grew shorter and less frequent, and the unusual attacks stopped.
To understand how hunters armed with only Stone Age technology could drive multiple elephant species into extinction, it's important to understand the ponderous process of elephant reproduction. In the wild, African elephants bear their first calf at about age 12. In good times, when enough food and water are available, they'll birth a calf every four years. In times of drought, most females don't go into estrus at all.
"There's no need to consider any other explanation beyond direct human predation as a cause of late Pleistocene extinctions of the very largest mammals, so-called megaherbivores," says Norman Owen-Smith, an ecologist at the University of the Witwatersrand in South Africa. He calculates that the maximum potential growth rate of an African elephant population is no more than 6.5 percent per year."If predation losses exceed this proportion," he says, "that species is doomed if it has no refuge at low density." Owen-Smith believes this exactly describes the situation of Pleistocene elephants in Europe, the Arctic, and the Americas. The great majority of known examples of humans killing ice age megafauna involved mammoths or mastodons, even though there were plenty of smaller kinds of prey around to sustain them, as well as plant foods. Human hunting pressure did not let up as elephant numbers dwindled.
The calculus is very different for some of the less massive herbivores that vanished at the end of the Pleistocene: native American horses, for instance, and the stag-moose, an outsized deer. These creatures bred much faster and were probably more numerous than mammoths and mastodons. In theory, they should have been able to withstand hunting pressure, as the bison and the white-tailed deer did. Owen-Smith believes that elephants went first, and with their passing, entire landscapes changed forever.
Elephants are powerful ecosystem engineers. They knock over whole trees when they feed, opening up woodlands and transforming them into savanna or shrubland. Where elephants live, habitats become open enough to support grass, and there is soon enough grass to support widespread fire, another strong force for vegetation change. Owen-Smith points out that these elephant-driven habitat characteristics benefit a range of other herbivores in Africa. In South Africa's Hluhluwe Game Reserve, populations of wildebeest, water buck, and zebra plummeted after elephants were extirpated and thick woodlands grew up.
As Owen-Smith sees it, midsized herbivores in Pleistocene America died out from a combination of human hunting and unfavorable habitat changes that followed from the demise of megaherbivores. The mammoth and the mastodon shaped a landscape of plenty that could not survive their loss.
About 50,000 elephants survive in Asia, and an estimated 400,000 to 660,000 remain in Africa. Populations that once roamed throughout the two continents, and numbered in the millions, have suffered a wave of extirpations that must resemble those that hit mammoths and mastodons during the Pleistocene.
A 1990 ban on international trade in ivory helped limit astronomic hunting casualties among African elephants (during the 1980s about 100,000 animals were being killed per year, and 80 percent of herds were lost in some regions of Africa), but elephants are still poached. In both Africa and Asia, growing human populations are converting more and more elephant habitat into cropland. With increasing frequency, elephants are raiding crops at the edge of wildlife reserves, bringing them into a conflict with farmers that sometimes proves deadly for both sides. The ever increasing human pressures threaten the survival of the planet's last elephants.
A new study by Thure Cerling, a geophysicist and biologist at the University of Utah, uses stable isotopes of carbon and nitrogen to track the diets and the movements of elephants in the Samburu National Reserve in Kenya. Stable isotope ratios have been used by Paul Koch of the University of California–Santa Cruz and his colleagues to study the diets of fossil animals. (Mastodons, Koch found, browsed on trees and shrubs, while mammoths were grassland specialists.) The technique holds promise as a new tool that can help wildlife managers to keep modern elephants out of dangerous conflicts with people.
Low ratios of carbon 13 to carbon 12 indicate that an elephant has been eating trees and shrubs, whereas high ratios show consumption of grasses or crops like corn and millet. Ratios of nitrogen 15 to nitrogen 14 show where the animals have been foraging: Plants in dry areas like the Samburu Reserve have high ratios, and the wetter forests on Mt. Kenya have low ratios. The travels of elephants in the study were also tracked using GPS collars.
Cerling and his colleagues found that most of the elephant herd spent their time in the arid lowlands of the reserve. In the dry season, the elephants ate trees and shrubs; when new growth sprang up in the wet season, they switched to grasses. The lone exception to this pattern was a bull the researchers named Lewis. He spent the rainy seasons in the safe haven of Samburu, but in the dry seasons he moved 40 kilometers cross-country to a forest nearly 2000 meters up on the flank of Mt. Kenya. He sheltered there during the day, making nighttime raids into the corn fields of nearby subsistence farmers.
The clash between elephants and people is as old as our species—and elephants have been slowly losing the battle to survive amid a growing sea of humans for millennia.
"The best way to protect elephants," says Owen-Smith,"is to increase the space available for their movement, as is being done through the establishment of megaparks crossing political boundaries." That's a lesson that also applies to America's surviving megafauna—bison, wolves, and grizzly bears—all endangered in a time of warming climate and growing human population pressures. For all the complex arguments that focus on the tragedy of the mammoth, the take-home message seems simple: We now face our last chance to find a way to coexist with a diversity of giants.
Paleontologist Len Hills, of the University of Calgary in Canada, examines the first of many mammoth trackways discovered when the St. Mary's reservoir in southwestern Alberta was temporarily drained. Nine mammoth tracks, made by a very mature female or young male, are exposed on an expanse of glacial silt. Photograph: Paul McNeil.
An aerial photo shows a group of elephants at Shakwanki seep in Zimbabwe's Hwange National Park, during a time of drought. The many obvious elephant trails make the animals easy to track. Such trails may have made mammoths and mastodons easy prey for late-Pleistocene human hunters. Photograph: Gary Haynes.
At Nehimba Pan in Hwange National Park, Zimbabwe, many elephants died of starvation during an extended drought from 1992 to 1995. Gary Haynes's studies of these elephant bones show that mass deaths of mammoths, which had been interpreted as the result of human hunting, might instead have been natural events. Photograph: Gary Haynes.
A Clovis spear point (left) recovered from the floor of the St. Mary Reservoir still carried traces of the blood of an extinct North American horse, and impact shattering indicates that this projectile point was actively used in hunting. Hyoid bone (right) from the skeleton of an extinct horse found at the St. Mary Reservoir shows butchering cut marks. (Wooden excavation tools were used to prevent accidental tool marks from metal equipment.) Photographs: Gerry Newlands (left) and Brian Kooyman (right).
These tusk fragments are from Shabi Shabi seep, Hwange National Park, Zimbabwe. The ivory tips broke off as elephants used their tusks to jostle each other in a struggle for access to a tiny water supply during a drought. These tusk pieces are very similar in size and shape to fossil mammoth and mastodon tusk specimens often mistakenly interpreted as made by human hands. Photograph: Gary Haynes.
These mopane trees were killed by foraging elephants in Hwange National Park, Zimbabwe. Elephants are powerful ecosystem engineers, capable of transforming woodlands into savanna or shrubland. Photograph: Gary Haynes.


Gunslinger Studios is a game studio bent on bringing the thrill of multiplayer gaming to mobile players in a minute or less-- something that fits a schedule but scratches the itch for competing and moving forward in a game world. The studio is creating quick, one-hand-controlled experiences for a generation of competitive gamers who have grown up with Pokemon, CCGs and MMOs. Development includes building games as well as a technology platform for competitive eSports, live game operations and community-driven content. Info about its first game, battle RPG Exiles of Embermark, is at exilesofembermark.com and @exilesgame.


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Using Filters to modify a photo.
Utilisation de filtres pour modifier une photo.
Then superimpose the photo on a digital paper.
Add some elements of type "paint spraying".
Ajouter quelques éléments de type "projection de peinture".
With papers and elements of digiscrap Kit "Dad's dreams".
With papers and elements of addon digiscrap Kit "Dad's dreams".
There are several techniques I have found that show how to turn a photo into a sketch looking artwork. This is one way I have not tried yet. I will! What I am finding, though, is it kind of depends on the photo to begin with that causes me to choose the technique.
This turned out very nice! Thank you!


Good code makes its context plain. At a glance, you can see what it needs to succeed, and what happens when it does. Mastering Kotlin�s common language for codifying your functions� assumptions and promises will help you write code you can change with confidence.... When I was first starting out in development, I thought that writing code was pretty easy. It took me a while (and a long learning process) before I realized that writing code is harder than it looks.
Summary. Functional Programming in C# teaches you to apply functional thinking to real-world problems using the C# language. The book, with its many practical examples, is written for proficient C# programmers with no prior FP experience.
22/05/2016�� On a subsequent project, our problem was pointers. In programming language, a pointer is an object that refers to some master value stored elsewhere.
It is fundamental you write good and structured code which is easy to read. Well written and structured code it is self documenting. A well structured codebase is easy to scale, grow and refactor. Well written and structured code it is self documenting.
Writing Stan programs can be tricky so if you're already familiar with it - you're ahead of the curve. But maybe you want to find out how to make your Stan code even better.


text:
Jimenez/Cash sued over Greenwich Peninsula stadium development
cafc_harry
Blackstone Investments total assets of $31bn. According to the file were close to taking us over.
Airman Brown
For those who don't want to wade through 69 pages, I've had a crack at summarising the main points.
I'm sure I've missed some and there will be more to say, but it's late!
Jimenez and the secret plan to ditch The Valley
johnny73
To me, that explains why they 'moved On' so many Charlton supporting staff during their tenure.
Even in their final moments they were thinking of themselves (personal gain) and not putting the club first.
carly burn
Richard Murray is such a good judge of character.
Lordflashheart
Airman Brown said:
3.31am Airman - bloody hell !!! I'm only normally up at that time to let the dog out in the garden for a pee !!
Addickted
@Airman Brown been racking my brains as to the 'WMG deal'. Is that the same as Blackstone? I do remember tales of dozens of suited Americans coming over, pouring over the books.
This judgement just goes to prove what an absolute conman Jiminez whose only interest was to line his grubby pockets with other peoples money trying to do a 'deal'.
Seems that RD had him sussed from day one.
se9addick
Suddenly Roland doesn't look so bad !
I-SAW-POUSO-PLAY
msomerton
So pretty much Roland saved the club, and is also not interested in land redevelopment as many on here thought he was, they often said it was the only reason he bought the club.
Sure they were sinners but let's not turn Duche into a saint. They looked to line their pockets. Duche's tenure has all been about stroking his ego. Neither care about Charlton.
What do they check for in the fit and proper test exactly?!
SE7toSG3
I think it pours even more scorn over the 'he's a succesful businessman so must know what hes doing' claim to get involved in the first place.
What a mess the whole sorry episode has been from the spivs arrival to the current day.
Lets not get bogged down on who was the least shit of our recent owners, they are all tossers, for us as supporters with such an emotional attachment to our club it's all just so very sad.
blackpool72
se9addick said:
Sorry yes he does.
The fact that Jimenez is a conman of the highest order still doesn't make Roland a good owner
JamesSeed
Extraordinary stuff. Top work.
So could any of the ramifications from this sorry mess impact on any potential sale of the club?
JamesSeed said:
I don't see how it would.
Wasn't there a potential fine being mentioned earlier in the thread?
For the Spivs. Nothing to do with CAFC.
SouthWest_Addicks
Very interesting summary Rick.
It offers a clearer picture as to how we ended up with Roland buying the club in December 13.
"Mr Slater explained that the way that the team would approach the buyer was to offer an equity stake in any future development deal. It is his view that this was a "big selling point". In his evidence he explained how one Kuwaiti investor informed him that this would be a "very attractive plus".
Is this linked to Varney?
Is that why Meire said the recent approach from Varney involved a proposed move away from the Valley?
AFKABartram
Is the Morden Wharf site still undeveloped?
What a bizarre thing to say.......absolutely ridiculous!
carly burn said:
I think they just keep going back to the simplistic idea that KEH want to buy Charlton and move it to Ebbsfleet - even though it's obviously ridiculous if you look properly at Stonebridge Road. Varney is and always has been absolutely adamant that his investor is someone else and didn't involve a move.
We have to bear in mind that the evidence here was presented to put the best possible spin on the feasibility of a property-based deal because of the issue in the case. In fact they lost on the more basic premise that they didn't own or control the club and misled Khakshouri on that point.
It's unclear to me what Cash and Jimenez claimed to be bringing to the table. They are simply using their de facto control of the club to try to leverage a place at the peninsula table, but it's far from clear there was any deal to be done in the real world. All they had was an asset that could potentially increase the value of the peninsula site by accommodating affordable housing in compensation for not building it on the peninsula.
A deal to crystallise that value was a long way from happening. The irony is that the peninsula was used as hook to attract them in 2010 when the club was in similarly desperate financial straits.
AFKABartram said:
Believe so...
@Airman Brown said: 'There is potentially a big issue with the ownership as presented to the Football League and fans being different from the reality - the club could still be punished, even under different ownership.'
But that's not the fine mentioned in the court ruling.
What isn't clear to me from a quick scan of the documents is who DID actually own Charlton from 2010 to 2014.
I will throw in my slightly surreal experience, which I have mentioned before, of meeting people behind a bid which came in too late. One part of the consortium was the German owner of Arenacom who build and operate stadia. Other people picked up on that name too, but I eventually got to meet the Arenacom guy in Prague, after RD deal had gone through. He was dangerously persuasive about a new stadium. But Arenacom didn't have the money nor the interest to buy the club alone. When the deal was presented to the spivs in November the moneyman was to be a Ukrainian oligarch exiled in London, allegedly friendly with Abramovic. But it was a late entrant, and the spivs were clearly getting edgy, as we can see from the Slater emails. And then the Maidan happened and the oligarch turned his attentions to home, he had previously been the owner of Metalist Charchiv, a big club in the east where he came from. So their bid lost traction, whereas RD came in with an offer which at least looked straightforward, his own money on the table.
However it wasn't the end of the other lot. They had the idea that they could persuade RD to partner with them to move to a new stadium. They tried to discuss this with RD around the Sheffield Unified cup game, but RD wasn't interested. One reason might have been that the consortium's money man had changed from the Ukrainian to a British property developer, who coincidentally had links to Sheffield and had previously been involved in English football. It seems that these talks if successful could have resulted in an even bigger nightmare: a combination of RD's ridiculous version of a network club, and the process of moving the club to the Pen. Fortunately for us, RD was having none of it. For that at least we can be grateful, although I am not under any illusions that RD brushed them away for any highminded reasons.
I am not sure, it depends on timing, but I think it was this lot who spoke to the council ( as Airman's report refers to) about the feasibility of the move to the Pen. What I can say for sure is that in March 2015, after RD had done the deal, this lot were convinced that moving Charlton to the Pen was something that Greenwich Council were prepared and able to countenance. And that is the main reason why I throw this episode back in the mix.
I think the evidence suggests that despite the formal arrangements it was effectively controlled by Jimenez, Cash and Slater whoever actually owned the shares. TJ and KC attempt to argue that they were "stakeholders".
It's an interesting question how and why Slater came to own more than a fifth but you have to remember the buyer in 2010 paid a token amount for the club.
Slater says specifically in one of his emails that he doesn't "represent" Jimenez (so doesn't have to accept orders from him) but that does beg the question of who he does represent, which I think we can guess but not prove.
PragueAddick said:
March 2014?
Sorry, yes, March 2014
I think The Valley fitted into his scheme of wanting to create a community hub where people could meet for a chat and a nice dance after the game. He's an nightmarish oddball, rather than an asset stripper. It's quite possible that his awful ownership may at least have prevented a move from the spiritual home.

redpajama_set_name: RedPajamaCommonCrawl


text:
Create Your Love Story
All Love Advice, Relationship Advice · October 29, 2017
9 Red Flags That He's Fallen Out of Love with You
LEARN HOW TO CREATE YOUR LOVE STORY!
You've been with this guy for months or even years.
In the beginning, he bent over backward to please you. Lately though, it feels like there's a big disconnect between you. Is it just temporary, or should you be concerned that he's fallen out of love with you?
The sad fact is: people change. Feelings change. Where he might have been head over heels for you at one point, that may no longer be the case, and you need to know.
While every guy is different, there may be signs that you need to pay attention to that could indicate this is the beginning of the end.
1. He Picks Fights Frequently
Sometimes you dread coming home from a long day at work because you know he's going to pick a fight. Whether it's over the pasta being too salty, the color of your shirt, or who gets control of the remote tonight, this guy seems to be finding flaws in everything you do.
And it hurts.
But realize that there's something deeper going on. You're not doing anything different than you ever have.
It's him.
Something's going on in that head of his, and the only way he knows how to deal with it is to lash out.
2. He No Longer Makes Time for You
Gone is the day when your guy would drop everything just to give you a foot massage. Now you've got to book weeks out…if you even can.
You're noticing that you spend a lot less time together, and this should alarm you. After all, you're his leading lady, and he should make time for you!
3. He Plays with His Phone When You're Trying to Talk to Him
Look, we all do it at some point, but there are two people in the world you should not ignore in favor of your phone:
Your significant other.
Your mama.
Not giving someone you love even a few minutes of your undivided attention is a red flag that he simply doesn't want to give it. And why wouldn't he want to give you his attention?
Exactly. Not good news.
4. Sex No Longer Has That Same Passion
Oh, you remember the months you two would spend entire days in bed, only leaving it for pee breaks and food. Those days seem an eternity ago. Now you're lucky if you even have sex more than a few times a month.
When you do make love, he won't make eye contact with you. It feels like a chore.
And that's a big deal, lady.
Sex is one of the ways we connect emotionally, and if your sex life has become dry and boring, it's an indicator of bigger issues.
PS: Don't go all Gerald's Game trying to win him back!
5. He's Stopped Saying "I Love You"
When you ask him why he's stopped, he says you say it too much.
But you don't. You say it because you mean it.
If he's unwilling to say he loves you, that pretty much tells you everything you need to know about the situation.
6. He's Not Affectionate Anymore
He used to always hold your hand in public, and kiss you in that reassuring way.
You can almost feel him physically pulling away when you hug him, and that should alert you that something's wrong. Again, we do certain things to communicate our feelings to our partners. Affection communicates love. The opposite of affection, well that communicates that you need to start talking to this guy about what's going on.
7. He Doesn't Do the Thoughtful Things He Once Did
He used to always pick up the milk he knew you'd forget Fridays after work. He'd cook you breakfast and deliver it to bed when you were sick. He'd massage you after you had a hard day. But now, you have to practically beg him to do anything sweet.
You do thoughtful things for someone you want to make happy.
Someone you love.
Once that changes, he could be thinking, "Why waste the energy doing shit I don't want to?"
8. He's Vague When You Talk About the Future
"So I'm thinking we skip going to my parent's house this Christmas and go to Hawaii instead! What do you think?"
"I dunno. That's four weeks away. Too soon to plan."
When you're in a long-term relationship, the future is a given. You should be able to make plans far out. If that's changed, you have to wonder whether he still sees you in his future.
9. He Won't Open Up About What's Wrong
Speaking of talking to him, of course you've tried.
"What's wrong, baby? I feel like something's wrong. Do you not love me anymore?"
"Of course I do. Nothing's wrong. Jeez, you're so paranoid."
Realize that no matter how you approach this conversation, he's going to be on the defensive. He may not know what he feels, and may not be ready to talk about it. Heck, he may never want to talk about it, continuing in your relationship unhappy and making you miserable, just because he's afraid of conflict.
But don't let him get away with burying his head in the sand! This is your relationship too, and if you're unhappy with the state of things, he owes you a discussion on the matter.
One of two things will happen.
Either he will admit that he's fallen out of love with you.
It will break your heart, but you have to trust me: you will move on and be okay. You will find the right guy, and you will never wonder if he loves you.
The conversation will uncover some really important stuff. Like how he feels like you criticize him (and you never intended that). Or how he doesn't know how to show his love.
These conversations can be incredibly hard, but ultimately, your relationship will be 1,000% times better for them. Be open to really hearing what he has to say. If you really love him, you'll be willing to change your behavior to make a better girlfriend, and he'll do the same for you.
Are you worried your man has fallen out of love with you? What signs have you noticed?
Adam LoDolce
My true passion in life is transforming your love life by giving you specific tools and techniques that you can use immediately to meet the men you deserve. I'm here to absolutely "rock your love world." Read More…
I'm feeling No. 1, 5, 6, 7, 8, 9 lately – total red flag .I asked him if there's any problem, he says nothing is wrong and I'm being sensitive. But he also did say that he does not have the same amount of faith in our relationship now then when we first started because of the fights we've been having. I asked if he still loves me he say yes. His actions shows otherwise, either he is in denial to face his real feelings or i'm asking for too much and I should be satisfied with whatever crumbs he feels like giving.
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We have found 6 profiles in 4 states and 4 counties for Randy Sheppard including in Caddo, LA; Benton, AR; Grayson, KY.
6 records for Randy Sheppard are found in 4 states.
Summary: 27-year-old Randy Lee Sheppard was arrested in Grayson, Kentucky .He is 5' 09" tall, weighs 215. All suspects are presumed innocent until proven guilty. Grayson County Law Enforcement and others with information about this arrest and related court dates can be contacted for updated information on this arrest.
Summary: Arrested on October 30, 2016 was Randy Stewart Sheppard. The 30-year-old Sheppard was arrested by Spartanburg County Law Enforcement. He is 6'00" tall, weighs 210. Bond was set at unknown amount for the charge because Sheppard is presumed innocent until proven guilty. Police agencies listed here may assist with more information including court dates: Spartanburg County Law Enforcement.
Summary: Randy Stewart Sheppard, arrested October 14, 1986 in Caddo, Louisiana. Everyone is presumed innocent until proven guilty. Further information about Sheppard's status may be obtained from the following: Caddo County Law Enforcement.
Summary: Randy Stewart Sheppard was arrested on January 23, 1988. Sheppard is charged with an offense by police near Caddo, Louisiana. Individuals are presumed innocent until proven guilty. To learn more about this incident including upcoming court dates, you may contact the following: Caddo County Law Enforcement.
Summary: Randy Stewart Sheppard was arrested in Caddo, Louisiana on June 27, 1988. All suspects are presumed innocent until proven guilty. Caddo County Law Enforcement and others with information about this arrest and related court dates can be contacted for updated information on this arrest.
Summary: 31-year-old Randy Joseph Sheppard, arrested August 17, 2013 in Benton, Arkansas for Driving Left of Center - Class U - MISDEMEANOR, DRIVING WHILE INTOXICATED - FIRST OFFENSE - MISDEMEANOR. Everyone is presumed innocent until proven guilty. Further information about Sheppard's status may be obtained from the following: Benton County Law Enforcement.