long term – Newton County MO Tourism http://newtoncountymotourism.org/ Thu, 17 Feb 2022 06:20:22 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://newtoncountymotourism.org/wp-content/uploads/2021/10/icon-57.png long term – Newton County MO Tourism http://newtoncountymotourism.org/ 32 32 City Council working session addresses ongoing challenge of tourism funding and utility connections – Royal Examiner https://newtoncountymotourism.org/city-council-working-session-addresses-ongoing-challenge-of-tourism-funding-and-utility-connections-royal-examiner/ Wed, 16 Feb 2022 21:53:15 +0000 https://newtoncountymotourism.org/city-council-working-session-addresses-ongoing-challenge-of-tourism-funding-and-utility-connections-royal-examiner/ After a nearly hour-long closed session on various legal issues related to the EDA, including dueling civil disputes with the town of Front Royal over financial responsibilities, as well as vacancies on the Commission of the At Front Royal-Warren County Airport, the Warren County Board of Supervisors embarked on an action program of six public […]]]>

After a nearly hour-long closed session on various legal issues related to the EDA, including dueling civil disputes with the town of Front Royal over financial responsibilities, as well as vacancies on the Commission of the At Front Royal-Warren County Airport, the Warren County Board of Supervisors embarked on an action program of six public hearings. The bulk of these public hearings have focused on the growing momentum of Conditional Use Permits (CUPs) for short-term tourist rentals or bed and breakfast operations.

The only action outside of the closed session was the appointment of Sean Roe to the county-run Front Royal Airport Commission (FRR) for a four-year term ending June 30, 2025. ending at the end of June 2023. Roe’s appointment comes as Commission Member Rock Skowbo’s FRR Airport leadership has come under fire, leading to an investigation by the Warren County Sheriff’s Office.

Debate on forgoing short-term setbacks

On the public hearings front, in the absence of opposition from neighboring landlords and support from tourist groups, businesses or rental professionals, the three applications for short-term tourist rental permits and one application for a conditional use B&B have all been accepted. Only one of those approvals was achieved by split vote, with the other three approved unanimously 5 to 0. The 3-2 split vote of approval on David Kondner’s short-term rental permit application is came from some staff in the Planning Department and the Board of Directors who were concerned about waiving the 100 foot setback requirement, potentially setting a non-compliant precedent. However, the fact that the plaintiff owned the most affected adjacent property just 30 feet away, the other affected property being 88 feet away, just 12 feet below the setback standard held on the day for Kondner with a Cook-Oates-Mabe majority of the board. Addressing the board, Kondner noted that no one seemed clear why the 100ft setback was implemented and wondered if it had just been chosen at random.


Accompanied by Deputy Director of Planning Matt Wendling, Director of Planning Joe Petty explains staff concerns about potentially setting a precedent by waiving the 100ft setback requirement for tourist rental permit application at short term by David Kondner. However, with Kondner owning the closest property among other variables involved, by a 3-2 vote, the council approved the request for waterfront property, shown in the agenda package graphic below. Royal Examiner Photos by Roger Bianchini

The property is on the Shenandoah River at 153 Beckwith Drive. Kondner’s neighboring property to the east is 167 Beckwith Drive. Planning director Joe Petty told council the short-term rental property offered off-street parking for three vehicles, which could accommodate two groups of guests when Kondor was at home using the third space. . Asked by Happy Creek supervisor Jay Butler what he planned to do with his adjacent property, Kondner cited a long-term rental plan. Petty noted that rentals longer than 30 days can be done as of right in the area. Kondner acknowledged opposition from an area resident based on what had been called issues related to “past Mexican issues.” The applicant questioned whether an apparently “racist” perspective should be taken into account as a valid reason for refusing his application.

A speaker appeared at the public hearing. Winchester resident Joseph Comstock, apparently experienced in the short-term rental business, noted that he grew up in Front Royal and Warren County. In support of the request, he stated that Kondner’s operation would have a good screening system established for rental customers and asked for approval. Kondner noted that he had a similar operation in Baltimore County that had a good track record. So, with experience and a good management plan in place, despite staff concerns about the non-compliant setback waiver and a resulting 4-1 denial recommendation from the county planning commission, the bid for Kondner to the CUP was accepted until a 3-2 approval vote, with Butler and Cullers dissenting.

The other three public hearings on the CUP demands were far less dramatic. Dennis Flynn’s CUP request for a short-term tourist rental at 484 Creek Road and David and Danielle Kibiloski’s CUP request for a Bed & Breakfast at 990 Hillandale Road both targeted the Appalachian Trail hiking community. First with a recommendation for approval from the planning commission, Flynn quickly gained a unanimous vote of approval without public hearing speakers.

Kibiloskis B&B CUP’s application has received rave recommendations for approval from the local hiking community, related organizations and businesses, including Susan Tschirhart, president of the local Appalachian Trail Conservancy, and even property owners. another area B&B, Scott and Lisa Jenkins of Mountain Home Bed. & Breakfast who sent a letter of support as they were busy welcoming guests to their B&B, and local hiking enthusiast and van driver Rose Turner.

Hiker and trail conductor Rose Turner speaks in support of Danielle and David Kibiloski’s B&B conditional use permit application for AP Trail hikers.

That left John Lavoie’s short-term rental CUP request for a property at 1196 Old Oak Lane. And after hearing the claimant and a public hearing speaker, Abdul Khan, who said he owned several vacant lots around the claimant’s property, express enthusiastic support for the use, another vote of approval unanimous was carried out.

A fourth CUP short-term tourist rental application by Katherine Stallings for a property at 377 Brandy Road was taken off the agenda near the start of the meeting.

Redistricting and disposal of property

The first two public hearings were held to authorize the sale to the highest bidder of county-owned property at 30 East Jackson Street and approval of a voter redistricting plan to reflect population changes in the county since the 2020 census. Both passed unopposed. In the documentation explaining the redistricting, it is noted that:

“The 2020 census indicates Warren County’s population increased from 37,439 to 40,572; i.e. 3,133 additional people (8.37%). Based on this population, each of the county’s five local electoral districts should have an ideal population of 8,114; or be plus or minus 5%, which ranges from 7,708 to 8,520 people.

Redistricting strives to accomplish this readjustment of electoral constituencies while retaining the current polling stations in their constituencies; minimize the splitting of subdivisions and neighborhoods; use the main limits; minimizing repeated trips by voters to constituencies; maintaining a balance of diversity in each neighborhood; maintaining a balance of city voters in each district; and not move current school board members or county supervisors out of their district.

Wait, they’re not going to kick us out of our electoral districts, are they – supervisors may have been worried about electoral district realignments after the 2020 census. Don’t worry, they’re trying not to do it.

Consent Agenda

Approved as presented by unanimous vote, an eight-point consent agenda included “permission to advertise the repeal of the public hearing of Code Article 66-34 (bonuses for coyotes)” right next to the award of another $50 coyote bounty, appearing to continue a more than three-month trend of paying out good money after bad. Indeed, late last year, the council received a report from legal staff, backed by WCSO Animal Control, to halt bounties in light of long-term wildlife research indicating that the random culling of coyotes has no positive impact on reducing coyote pack numbers, and in fact may be counterproductive by sending females into heat more often, resulting in increased pack numbers due to isolated killing of members males of the pack.

According to wildlife statistics of coyote populations reportedly recorded over 150 years, randomly killing pack animals near human populations does nothing to reduce their numbers, and may even have the opposite effect of increasing them. throwing females in heat more often than normal. Hey, I’m just a wild dog, more or less, who has to eat too, this coyote may have thought just before he was shot – by the photographer. Public domain photo

Other

During the county administrator’s report, it was apparent that supervisors were hoping for more detail than they have thus far received from the school administration on the proposed Warren County Public Schools budget. for the 2022/23 financial year. A joint budget work session is now scheduled to proceed with a special meeting of supervisors on February 22. The working session will begin at 5.30 p.m., followed by the meeting at 7.00 p.m.

County Administrator Ed Daley observed that it did not appear that the school board was as advanced as supervisors in its budget process and wondered if the school board had yet seen the final proposals from the preparation of the staff budget. On the positive side, Daley noted that public schools have been notified of a planned $6 million increase in state funding.

During board reports, Delores Oates noted that within the joint drug prevention committee with Councilman Gary Gillespie, a focused effort to establish a drug court system in the county continues.

Accompanied by Deputy Director of Planning Matt Wendling, Director of Planning Joe Petty explains staff concerns about potentially setting a precedent by waiving the 100ft setback requirement for tourist rental permit application at short term by David Kondner. However, with Kondner owning the closest property among other variables involved, by a 3-2 vote, the council approved the request for waterfront property, shown in the agenda package graphic below. Royal Examiner Photos by Roger Bianchini

At the start of the meeting, an emotional agenda item was added to convey a resolution of thanks to the Good Samaritans and authorities in Chincoteague and Accomack County, Virginia, among other surrounding communities, for their efforts. rescue and recovery in response to a January 22 boating accident. the side. This accident involved four young people from the region, two of whom were rescued, one whose body was found and one is still missing. God bless them all.

Click here to watch the February 15, 2020 Warren County Board of Supervisors meeting.


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Blasting works cause 3 hours delay, but “those two big rocks no longer exist” https://newtoncountymotourism.org/blasting-works-cause-3-hours-delay-but-those-two-big-rocks-no-longer-exist/ Wed, 02 Feb 2022 02:01:52 +0000 https://newtoncountymotourism.org/blasting-works-cause-3-hours-delay-but-those-two-big-rocks-no-longer-exist/ Drivers heading to the West Coast on Monday might have been aware of the planned 4-hour highway closure between 11 a.m. and 3 p.m., but they weren’t expecting to be seated three more hours due of a blasting problem. Motorists tell CHEK News they weren’t told what was happening until 5 p.m., two hours after […]]]>

Drivers heading to the West Coast on Monday might have been aware of the planned 4-hour highway closure between 11 a.m. and 3 p.m., but they weren’t expecting to be seated three more hours due of a blasting problem.

Motorists tell CHEK News they weren’t told what was happening until 5 p.m., two hours after the extra closure.

There is no cell service in the area that would have allowed travelers to check for highway updates – cell service is planned for the future.

“We’re all a little frustrated and it’s an ongoing challenge, but yeah, we hear about it,” Tourism Tofino director Charles McDiarmid said. McDiarmid is also general manager of The Wickaninnish Inn.

“The first thing guests say when they arrive is thank goodness we’re here,” McDiarmid added.

Freeway closures for construction of the Highway 4 – Kennedy Hill Safety Improvement Project are usually well planned and noted on websites like DriveBC and toursimtofino.com, but occasionally on Mondays, the usual scheduled 4 hour closure for work at Kennedy Lake ended up being much longer.

Highway 4 was due to reopen at 3 p.m. Monday afternoon, but was closed until 6 p.m. due to a blasting problem – caused by two huge boulders that fell on the road and needed to be cleared, CHEK News has learned .

“I drove by this morning and it’s a huge accomplishment for this project,” said Ucluelet Mayor Mayco Noel, who has criticized past delays but says Monday’s will be worth it. long-term.

“These two large rocks that we observed no longer exist. These crews have made a lot of progress over the past two months,” he said.

And it’s not just tourists heading west to enjoy some of BC’s best beaches who are facing delays, but also delivery drivers and west coast residents who have to head the other way for appointments and purchases.

“It’s affecting a lot of people and I hate to say it, but we’re getting a little desensitized to it, it’s just an ongoing and certainly frustrating situation, there’s not much we can do about it,” McDiarmid said.

The budget for the project has grown from $38.1 million initially to $53.96 million.

[email protected]

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Installment Loans For Bad Credit – A Way To Rebuild Credit? https://newtoncountymotourism.org/installment-loans-for-bad-credit-a-way-to-rebuild-credit/ Sun, 23 Jan 2022 14:45:31 +0000 https://newtoncountymotourism.org/?p=864 Life can throw us curveballs every day. In the past unfortunate luck, poor decisions, or adversity could cause your credit score to be at the bottom of the range. Although there are many credit scoring methods that are used, the most widely-used one is called the FICO score, which is utilized by the major three agencies for […]]]>

Life can throw us curveballs every day. In the past unfortunate luck, poor decisions, or adversity could cause your credit score to be at the bottom of the range. Although there are many credit scoring methods that are used, the most widely-used one is called the FICO score, which is utilized by the major three agencies for credit reportage (Equifax, Experian, and TransUnion). The FICO score is between 300 and 800 and is considered to be a perfect score.

What are the consequences of bad credit? What Does It Mean For me?

What constitutes a poor credit score is determined by the lender and the kind of credit you’re looking to get. For example, a lot of home mortgage lenders view any score below 620 to be sub-prime. Other lenders may think of 640 or 680 as subprime. sub-prime is described as borrowers with a damaged or a poor credit history that are riskier to lenders. Inquire on the no checks with Bridge Payday today!

The negative effects of having bad credit are far more than the notion of normal negative consequences, like the difficulty in getting credit cards or purchasing cars or homes. The majority of people with bad credit have a difficult time:

  • Contracts for cell phones are signed
  • Secure student loans for students
  • Buy low-cost car insurance
  • find an employment

What is the significance of this connection to work? A study conducted by the Society for Human Resource Management discovered that six of ten employers conduct checks on the credit history of at least a portion of their applicants for employment and 13 percent do so on all applicants to prevent fraud and gain a sense of the trustworthiness of a potential candidate, in addition to other reasons.

Lending Money with Bad Credit

The borrowing of even tiny amounts of money may be a challenge for those who have poor credit are faced with only a few options. Traditionally, banks are the preferred option to get personal loans. But, if the credit score is a problem the odds of getting approval are low. Even with no credit issues getting loans for the low amount of money is unlikely to occur since the majority of banks don’t accept loans less than $5,000 because of the absence of revenues generated by these smaller sums.

So, where do we go from here? those who need to borrow less than $5,000 and who have poor credit?

Installment Loans for Poor Credit

Installment loans are more and more popular, particularly for those who have bad credit. Installment loans is a great option for people who face unexpected expenses or other demands, like:

  • Car repairs
  • Dental or medical bills
  • Gifts for the holidays or travel
  • The cost of a newborn baby funeral, divorce or divorce
  • Work-related expenses (electronics, tools, etc.)
  • Home improvements and emergency requirements
  • School-related expenses (tuition, laptop, supplies, etc. )
  • Consolidation of debt

What is an Installment Loan?

Simply put, an installment loan permits you to take out a loan one time and repay it by regular, fixed installments (usually monthly payments that do not change or increase) over a specified time. If you have good or poor credit, installment loans provide a fixed interest rate as well as a fixed monthly payment which is determined by the balance of your loan, the interest rate, and the time you must repay the loan. With every payment you make you lower your original amount of loan, while still paying interest charges. Auto loans and mortgages are two popular kinds of installment loans.

Installment Loans vs Payday Loans

There’s a difference there is a difference between installment loans and payday loans. In contrast to payday loans, installment loans offer larger amounts of money. They also include:

  • Refinance is much easier (based on a lower principal or with an longer maturities)
  • A solution for long-term cash requirements that must be repaid in increments

Installment loans can be beneficial for those with bad credit

It is also worth noting it is also important to note that installment loans can be good for those with bad credit. The FICO credit score is based on a number of elements of your financial history.

  • 35% History of Payments Bankruptcies, repossessions, and late payments reduce this score.
  • 30 30% Debt Burden – The current amount owed, the number of accounts with balances the amount that has been paid, etc.
  • 15 percent of the length of credit history Average account age and age of the oldest account.
  • 10 Recent Credit Searches at a % A high number of credit inquiries could lower your score.
  • 10 Types of Credit: 10 percentDifferent types of credit (such as including revolving installment, mortgage consumer finance, etc.). A balanced mix of various kinds of debt can result in higher credit scores because it suggests that you’re a knowledgeable and responsible creditor.

Installment Loans for bad Credit Borrowers: Choosing the Right Lender is important

In the highly scrutinized market for financial services of the present, it’s not difficult to spot both supporters and detractors of installment loans. For consumers with poor credit, scores experts claim that installment loans are a better alternative because unlike payday loans there’s no balloon payment that could cause the borrower to take on more debt. Additionally, because installment loans can actually improve credit scores, they automatically increase their credibility with a wide range of professional and consumer groups.

There are many people who are critical of installment loans and the companies which provide these loans. The fact is that these loans aren’t an entirely new phenomenon in the financial world and are a further reason that borrowers need to carefully review and pick the lending companies they work with.

Bridge Payday: The Way to Installment Loans when Credit is a problem

With 279 loan locations across six states of southeast Bridge Payday is a prominent service provider for installment loans for bad credit customers. Contrary to faceless lending companies that are online, Bridge Payday has a tradition of active involvement in the communities that we serve (primarily rural regions) and allowing us to get to know and assist the generations of family members. In actual fact, since 1941 our mission has been the same we serve the financial requirements of our family as well as our neighbors, providing them with the care and attention they are entitled to. Respect can mean a lot and is what is the driving force behind the development of our loan installment programs.

Some of the distinctions you’ll see when you take out the installment loans offered by Bridge Payday are:

  • Participation at the local level. Our approach to lending based on relationships requires that all decisions are taken at a local level. This means your loan representative is someone you may meet at your shopping mall or your local the little league games and not an anonymous corporate decision maker who is hundreds thousands of kilometers away. Our executives believe that this personal touch helps us make better lending decisions with installment loans, especially when the credit score is not good.
  • Transparency speeds and ease of getting the loan. Life can be difficult enough and getting the right loan with bad credit doesn’t need to be difficult. We at Bridge Payday, we work with you to make the process simple. There is no cost to begin the process and we can deliver your money within 24-hours (excluding the weekend).
  • Predictable monthly installments that increase credit . Our loans aren’t like payday loans, which are secured against your next pay check. The Bridge Payday’s installment loans – whether used to pay for necessities, bills and to pay off debt can help you save money and more efficiently manage your budget through:
    • You can make a only one monthly payment that will fit you budget.
    • We can help you reduce your debt by paying principle and not only interest.
    • This allows you to reduce debt quicker than paying for multiple separate accounts (when employed to consolidate debt).
    • The process of building your credit score when prompt payments are received.

Apply for an Installment Loan

Even though poor credit could make life financially complicated, Bridge Payday makes the procedure of getting an installment loan straightforward. If you’re facing unexpected expenses or require a little assistance in giving your family members the Christmas you would like them to enjoy We can assist. If you’re ready to start, simply fill out the form online and a representative from your local area will get in touch with you.

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Perth creatives want downtown space to live and work https://newtoncountymotourism.org/perth-creatives-want-downtown-space-to-live-and-work/ Fri, 21 Jan 2022 04:42:28 +0000 https://newtoncountymotourism.org/perth-creatives-want-downtown-space-to-live-and-work/ The City of Perth has undertaken a landmark study to ‘make room for culture’ in its city center in which over 1,000 artists, singers, actors, dancers, musicians, directors and filmmakers were asked what would inspire them to live and work. in downtown Perth. It was revealed that 84% of artists and creatives surveyed want livable […]]]>

The City of Perth has undertaken a landmark study to ‘make room for culture’ in its city center in which over 1,000 artists, singers, actors, dancers, musicians, directors and filmmakers were asked what would inspire them to live and work. in downtown Perth.

It was revealed that 84% of artists and creatives surveyed want livable workspace in downtown neighborhoods.

The study includes input from four inner city local authorities – the City of Perth, the City of Victoria Park, the City of South Perth and the City of Vincent.

The findings of the study have informed the Economic Development Strategy process which is currently under development.

The Lord Mayor of the City of Perth, Basil Zempilas, advises that “artists and creative people add vibrancy, beauty, richness and character to the communities in which they live.

“The purpose of the study was to obtain feedback from creatives that can help the City find more performance, exhibition, creative, production and administrative spaces where creatives can work and live.

The study identifies key opportunities and policy mechanisms that the four councils could use to increase sustainable, affordable, long-term arts accommodation and creative artist spaces in downtown neighborhoods.

For more information, visit the City’s website.

Image: Perth CBD Square

Related Articles

January 18, 2022 – Perth Festival cancels opening event due to Omicron uncertainty

December 29, 2021 – New Year’s music festivals in Western Australia are canceled but Perth Cup horse racing will continue

23 December 2021 – Budget increase for major Perth events and festivals in 2022 and 2023

November 5, 2021 – The Art Gallery of Western Australia offers Perth’s largest rooftop terrace

September 13, 2021 – 2024 International Performing Arts Congress to be held in Perth


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BNPL’s Growing Role in Unsecured Lending https://newtoncountymotourism.org/bnpls-growing-role-in-unsecured-lending/ Wed, 19 Jan 2022 18:11:16 +0000 https://newtoncountymotourism.org/bnpls-growing-role-in-unsecured-lending/ Paying for goods according to the installment plan is not a new method of payment, but it has resurfaced in response to increased consumer interest. “Buy now, pay later” gives consumers more control over how much they spend and where they spend it. It also gives them more freedom to buy the things they want, […]]]>

Paying for goods according to the installment plan is not a new method of payment, but it has resurfaced in response to increased consumer interest. “Buy now, pay later” gives consumers more control over how much they spend and where they spend it. It also gives them more freedom to buy the things they want, even without having enough money in their account.

In the United States, point-of-sale (POS) financing services have increased significantly, particularly due to restrictions related to COVID-19. Usage among the younger demographic has greatly influenced BNPL’s growth, while banking digitalization has boosted merchant adoption.

Currently, players in the fintech market are taking the lead when it comes to BNPL, and so far only a handful of banks have reacted quickly enough to be competitive. To avoid significant losses in the future, banks need to understand the current POS financing landscape and choose a model that works best for their new customers.

New business opportunities with POS loans

Traditional banks and financial institutions should see the growth of POS funding models as a signal to rethink the lending landscape and their role in it. With fintech siphoning off most of the value of banks’ point-of-sale funding, estimated at $8-10 billion so far, it’s evident that this is a very profitable market.

Another important factor is that most users engaged in online banking are young, tech-savvy millennials and Generation Z. If banks want to see their long-term goals achieved and attract the attention of these young users , they should focus on
make these changes in the system

  • Integration throughout the purchase journey
  • Rethinking risk models
  • Different approaches to credit

Integration throughout the purchase journey

As fintech works to create a complete customer buying journey, banks are falling behind. Onboarding can help scale and inspire younger generations to give banks greater visibility. Using rewards and subsidizing credit reward costs will bring more value to customers and ultimately increase their loyalty.

Rethinking risk models

Consumer expectations are increasing every day, especially with merchant subsidies. It is time for banks to rethink and update their risk models to meet these expectations. One possible solution could be merchant partnerships, as merchants play a key role as intermediaries in this model.

Different approaches to credit

The difference between traditional credit products, installment credit cards and debit cards with new features is becoming increasingly blurred. Banks that start offering credit products in the format their customers want will gain valuable benefits and profit.

Everyone, whether neobanks, card issuers, lenders or merchant acquirers, are competing for market share. By offering BNPL options, they can see how users interact with their platforms and find the right business model to stay afloat in a dynamic market.

It is clear that Buy Now, Pay Later is growing rapidly. Indeed, results from McKinsey’s 2021 Digital Payments Survey suggest that BNPL usage may actually be growing faster than its penetration.

Distinct models Buy now, pay later

As not all POS systems work the same way, the description of the systems used in the different financial markets shows how the service has evolved over a short period of time. At the same time, banks can gain a better understanding of what they are competing against and how they could outperform it.

1. Finance midsize purchases with off-card solutions
Solutions like Uplift and Affirm, which allow you to repay in monthly installments, are ideal for small and medium purchases. On average, the note size is between $250 and $2,500 and the time to repay the loan is around 8-9 months. Products purchased in this way are typically appliances, electronics, home fitness equipment, and furniture.

Most of these transactions are done digitally, and their growth is fueled by increased adoption among users with higher credit scores. However, consumers are unlikely to use this financing strategy more than a few times per year.

2. Post-Purchase Card Payments
This financing solution is popular in Asia and Latin America, although adoption rates are still quite low in the United States. Since the post-purchase refund strategy has a higher APR than other point-of-sale purchase solutions, it is less popular. However, a big advantage after purchase is the ability for merchants to use it with special offers. Card-linked payouts are currently available through services like Splitit or network solutions like Visa Payouts.

3. Shopping App Integration
The aspiration of most major shopping apps is to become “super apps”. Major market players such as PayPal’s “Pay In 4” offer services that follow customers throughout the purchase journey. Moreover, they are gradually gaining momentum. Unless banks find a way to increase their exposure, they might not be competitive at the same level and expect to suffer losses in the near future.

Pay in 4 focuses on small purchases that are typically under $250, with installments users can pay off in six weeks. Services like Afterpay have seen phenomenal growth fueled by the pandemic lockdown. With more merchants integrating these products into their payment offerings, the increase of more than 300% in 2020 could prove to be even greater in 2021. McKinsey estimates that Pay in 4 could generate between $4 and $6 billion in revenue by 2023.

Major market players recognize this trend towards integration. To secure their market positions, many have decided to integrate Etsy.com with Klarna and Houzz.com with Afterpay.

Why Consumers Use BNPL
Convenience. BNPL loans require a down payment or “down payment”, for example 25% of the purchase amount. The remaining amount is then repaid in installments over a few weeks or months.

Zero or low interest rate. BNPL loans do not include additional interest or bank charges, but they can come with a fixed repayment schedule.

Flexible credit check. To prevent fraudulent behavior, a soft credit check is performed to confirm the buyer’s identity. There will be no credit check or underwriting in the process.

Easy approval process. One of the most popular features of BNPL is the quick and easy approval process. Not only does this not affect credit scores, but it is irrelevant to other creditors.

How Banks Can Leverage POS Financing

Banks interested in getting involved in POS financing solutions can choose from different financing models. Each presents a unique opportunity as it forces banks to understand cost, time to market and customer segmentation.

Lease your balance to a BNPL company

One of the examples of collaboration between banks and BNPL companies is the model chosen by Cross River Bank and Affirm. Cross River provides Affirm with banking services so that they can endorse microfinance solutions.

Integrate credit card payments

As the BNPL market continues to grow, some banks have decided to integrate installments with existing credit cards. JP Morgan has developed Citi Flex Pay & Chase Pan to allow its customers to reimburse their purchases in installments. The strategy of adding new features to existing products or developing new financing products is a good way to meet customer needs, especially since most of them have started using alternative financing options. to avoid paying exorbitant interest on credit cards.

Take over a BNPL company
The market value of some of BNPL’s biggest players is estimated to be in the billions of dollars. AfterPay and Klarna have grown so much that even well-known market players like Mastercard, Apple Pay and Goldman Sachs have decided to offer new ways to use installments. However, as a stand-alone model, BNPL does not appear to be viable.

Develop your own BNPL solution
Some banks and financial institutions are ready to meet the needs of their customers and offer in-house developed POS financing solutions. If they want to compete with fintech, their advantage could be a partnership that allows them to build a unique product with the bespoke features their customers need.

Last word
Traditional lenders, brick-and-mortar banks, and neo-banks are all scrambling to find their footing in the POS financing market. Fierce competition will force them to use their assets to fuel the right business models and enter the market with competitive products.

What we can be certain of is the underlying need that drives customers and how point-of-sale financing addresses it. The digitization of major banking systems prevents some commercial banks from implementing clear strategies to enter this market. But with the ever expanding market scale, POS financing is here to stay.

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2021: a year of space tourism, the rise of China https://newtoncountymotourism.org/2021-a-year-of-space-tourism-the-rise-of-china/ Thu, 30 Dec 2021 08:00:00 +0000 https://newtoncountymotourism.org/2021-a-year-of-space-tourism-the-rise-of-china/ From the first powered flight of the Mars Ingenuity Helicopter on another world to the launch of the James Webb Telescope that will peer into the early epoch of the Universe, 2021 has been a huge year for humanity’s space endeavors. Beyond scientific milestones, billionaires battled to reach the final frontier first, an all-civilian crew […]]]>

From the first powered flight of the Mars Ingenuity Helicopter on another world to the launch of the James Webb Telescope that will peer into the early epoch of the Universe, 2021 has been a huge year for humanity’s space endeavors.

Beyond scientific milestones, billionaires battled to reach the final frontier first, an all-civilian crew entered orbit, and Star Trek’s William Shatner gave an in-depth explanation of what it was like to see Earth from the cosmos, as space tourism was finally taking off. .
Here are the selected highlights.

Red Planet Robot Duo

NASA’s Perseverance Rover has survived its “seven minutes of terror”, a period when the craft relies on its automated systems for descent and landing, to land safely on Mars’ Jezero crater in February.

Since then, the car-sized robot has been taking pictures and drilling samples for its mission: to determine if the Red Planet may have harbored ancient microbial lifeforms.

A rock sample return mission is planned for some time in the 2030s.

With its advanced instruments, “Percy”, as the helicopter is affectionately nicknamed, can also zap Martian rock and chemically analyze steam.

Percy has a partner for the ride: Ingenuity, a four-pound (two-kilogram) rotorcraft that achieved the first powered flight on another celestial body in April, just over a century after the Wright brothers achieved the same feat here on Earth. , and has played many more since.

“Perseverance is kind of the flagship mission, it’s doing a detailed, long-term investigation of this fascinating region of Mars,” Jonathan McDowall, an astronomer at the Harvard-Smithsonian Center for Astrophysics, told AFP.

In contrast, “Ingenuity is one of those cute, small, cheap little tech demos that NASA can do so well,” he added.

Knowledge gained from Ingenuity could help scientists develop Dragonfly, a planned thousand-pound drone helicopter, to search for signs of life on Saturn’s moon Titan in the mid-2030s.

Private space flight takes off

An American millionaire became the world’s first space tourist in 2001, but it took another 20 years for the promise of private spaceflight to finally materialize.

In July, Virgin Galactic founder Richard Branson competed against Blue Origin’s Jeff Bezos to be the first non-professional astronaut to perform suborbital spaceflight.

While the British tycoon won that battle within days, it was Blue Origin that took the lead, launching three more flights with paying customers and celebrities.

Elon Musk’s SpaceX entered the fray in September with a three-day orbital mission around Earth with an all-civilian crew on Inspiration 4.

“It’s really exciting that finally, after so long, this stuff is finally happening,” said space industry analyst Laura Seward Forczyk, author of the forthcoming book “Becoming Off-Worldly,” intended to prepare future space travelers.

But it was William Shatner, who played the swordsman Captain Kirk in the 1960s TV series “Star Trek,” who stole the show with a moving account of his experience.

“What you despise is Mother Earth, and she needs to be protected,” he told reporters.

A Russian crew shot the first feature film in space aboard the International Space Station (ISS) in 2021, and Japanese tourists took their own tour there aboard a Russian rocket.

For a few minutes on December 11, there were a record 19 humans in space when Blue Origin flew its third crewed mission, the Japanese team was on the ISS with their normal crew, and the Chinese taikonauts were in position on their station.

However, the sight of wealthy elites galloping through the cosmos did not please everyone, and the nascent space tourism industry sparked a backlash from some who said there were more problems. pressing issues to face, such as climate change, here on Earth.

Globalization of space

During the Cold War, space was dominated by the United States and the former Soviet Union.

Now, in addition to the explosion of the commercial sector, which is sending out satellites at a dizzying rate, China, India and others are increasingly flexing their spaceflight muscles.

China’s Tiangong (Palace in the Sky) space station – its first long-term outpost – launched in April, while its first Mars rover, Zhurong, landed in May, making it the only second country to achieve such a feat.

“For the past 20 years, since China finally decided to go into space, it’s been in catch-up mode,” McDowall said. “And now they’re kind of over there, and they’re starting to do things that the United States hasn’t done.”

The United Arab Emirates placed a probe in Mars orbit in February, becoming the first Arab nation and the fifth overall to reach the planet.

Meanwhile, Russia launched a missile at one of its own satellites, becoming the fourth country to strike a spacecraft from the ground, reigniting concerns about the growing space arms race.

Washington criticized Moscow for its “reckless” test, which generated more than 1,500 large pieces of orbital debris, dangerous for low Earth orbit missions such as the ISS.

Future…

The year ended with the launch of the James Webb Space Telescope, a US$10 billion marvel that will use infrared technology to travel back 13 billion years in time.

“It’s arguably the most expensive single science platform ever created,” said Casey Drier, lead attorney for the Planetary Society.

“To push the limits of our knowledge of the cosmos, we had to build something capable of accessing this ancient past,” he added.

It will reach Lagrange Point 2, a space landmark a million miles from Earth, in a few weeks, then start up and gradually calibrate its systems, coming online around June.

Also next year will see the launch of Artemis 1 – when NASA’s Giant Space Launch System (SLS) will carry the Orion capsule to the Moon and back, in preparation for America’s return with humans later this decade.

NASA plans to build lunar habitats and use lessons learned for advanced missions to Mars in the 2030s.

Observers are heartened that the agenda launched by former President Donald Trump has continued under Joe Biden — even if he hasn’t made his support as clear.

Finally, next fall, NASA’s DART probe will hit an asteroid to deflect it from its trajectory.

The proof-of-concept test is a dry run should humanity ever stop a giant space rock from wiping out life on Earth, as seen in Netflix’s new hit movie “Don’t Look Up.”

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A year of space tourism, flights to Mars, the rise of China » Capital News https://newtoncountymotourism.org/a-year-of-space-tourism-flights-to-mars-the-rise-of-china-capital-news/ Thu, 30 Dec 2021 08:00:00 +0000 https://newtoncountymotourism.org/a-year-of-space-tourism-flights-to-mars-the-rise-of-china-capital-news/ Washington (AFP), December 30 – From the first powered flight of the Mars Ingenuity Helicopter on another world to the launch of the James Webb Telescope that will peer into the early epoch of the Universe, 2021 has been a huge year for humanity’s space endeavors. Beyond scientific milestones, billionaires battled to reach the final […]]]>

Washington (AFP), December 30 – From the first powered flight of the Mars Ingenuity Helicopter on another world to the launch of the James Webb Telescope that will peer into the early epoch of the Universe, 2021 has been a huge year for humanity’s space endeavors.

Beyond scientific milestones, billionaires battled to reach the final frontier first, an all-civilian crew entered orbit, and Star Trek’s William Shatner gave an in-depth explanation of what it was like to see Earth from the cosmos, as space tourism was finally taking off. .

Here are the selected highlights.

– Red Planet robot duo –

Star Trek’s William Shatner gave an in-depth look at what it meant to see Earth from the cosmos, as space tourism finally came into its own © AFP/File/Patrick T. FALLON

NASA’s Perseverance Rover has survived its “seven minutes of terror”, a period when the craft relies on its automated systems for descent and landing, to land safely on Mars’ Jezero crater in February.

Since then, the car-sized robot has been taking pictures and drilling samples for its mission: to determine if the Red Planet may have harbored ancient microbial lifeforms.

A rock sample return mission is planned for the 2030s.

With its advanced instruments, “Percy”, as the helicopter is affectionately nicknamed, can also zap Martian rock and chemically analyze steam.

Percy has a partner for the ride: Ingenuity, a four-pound (two-kilogram) rotorcraft that achieved the first powered flight on another celestial body in April, just over a century after the Wright brothers achieved the same feat here on Earth. , and has played many more since.

Advertising. Scroll to continue reading.

“Perseverance is kind of the flagship mission, it does a long-term detailed investigation of this fascinating region of Mars,” Jonathan McDowall, an astronomer at the Harvard-Smithsonian Center for Astrophysics, told AFP.

In contrast, “Ingenuity is one of those cute, small, cheap little tech demos that NASA can do so well,” he added.

Knowledge gained from Ingenuity could help scientists develop Dragonfly, a planned thousand-pound drone helicopter, to search for signs of life on Saturn’s moon Titan in the mid-2030s.

– Private space flight takes off –

An American millionaire became the world’s first space tourist in 2001, but it took another 20 years for the promise of private spaceflight to finally materialize.

In July, Virgin Galactic founder Richard Branson competed against Blue Origin’s Jeff Bezos to be the first non-professional astronaut to perform suborbital spaceflight.

While the British tycoon won that battle within days, it was Blue Origin that took the lead, launching three more flights with paying customers and celebrities.

Elon Musk’s SpaceX entered the fray in September with a three-day orbital mission around Earth with an all-civilian crew on Inspiration 4.

This NASA photo released on April 27, 2021 shows a black and white image taken by the navigation camera aboard NASA’s Ingenuity helicopter during its third flight to Mars on April 25, 2021 © NASA/AFP/File/Document

“It’s really exciting that finally, after so long, this stuff is finally happening,” said space industry analyst Laura Seward Forczyk, author of the forthcoming book “Becoming Off-Worldly,” intended to prepare future space travelers.

But it was William Shatner, who played the slick Captain Kirk in the 1960s “Star Trek” TV series, who stole the show with a moving account of his experience.

Advertising. Scroll to continue reading.

“What you despise is Mother Earth, and she needs to be protected,” he told reporters.

A Russian crew shot the first feature film in space aboard the International Space Station (ISS) in 2021, and Japanese tourists took their own tour there aboard a Russian rocket.

For a few minutes on December 11, there were a record 19 humans in space when Blue Origin flew its third crewed mission, the Japanese team was on the ISS with their normal crew, and the Chinese taikonauts were in position on their station.

However, the sight of wealthy elites galloping through the cosmos did not please everyone, and the nascent space tourism industry sparked a backlash from some who said there were more problems. pressing issues to face, such as climate change, here on Earth.

– Globalization of space –

Students watch a live image of a lesson given by Chinese astronauts from China’s Tiangong space station at a school in Yantai, eastern China’s Shandong province © AFP/STR

During the Cold War, space was dominated by the United States and the former Soviet Union.

Now, in addition to the explosion of the commercial sector, which is sending out satellites at a dizzying rate, China, India and others are increasingly flexing their spaceflight muscles.

China’s Tiangong (palace in the sky) space station – its first long-term outpost – launched in April, while its first Mars rover, Zhurong, landed in May, making it the only second country to achieve such a feat.

“For the past 20 years, since China finally decided to go big in space, it’s been in catch-up mode,” McDowall said. “And now they’re kind of over there, and they’re starting to do things that the United States hasn’t done.”

The United Arab Emirates placed a probe in Mars orbit in February, becoming the first Arab nation and the fifth overall to reach the planet.

Advertising. Scroll to continue reading.

Meanwhile, Russia launched a missile at one of its own satellites, becoming the fourth country to strike a spacecraft from the ground, reigniting concerns about the growing space arms race.

Washington criticized Moscow for its “reckless” test, which generated more than 1,500 large pieces of orbital debris, dangerous for low Earth orbit missions such as the ISS.

– Coming soon… –

Arianespace’s Ariane 5 rocket with NASA’s James Webb Space Telescope on board rises from the launch pad, at the European Spaceport, Guiana Space Center in Kourou, French Guiana, December 25, 2021 © AFP / jody amiet

The year ended with the launch of the James Webb Space Telescope, a $10 billion marvel that will use infrared technology to travel back 13 billion years in time.

“It’s arguably the most expensive single science platform ever created,” said Planetary Society lead advocate Casey Drier.

“To push the limits of our knowledge of the cosmos, we had to build something capable of accessing this ancient past,” he added.

It will reach Lagrange Point 2, a space landmark a million miles from Earth, in a few weeks, then start up and gradually calibrate its systems, coming online around June.

Also next year will see the launch of Artemis 1 – when NASA’s Giant Space Launch System (SLS) will carry the Orion capsule to the Moon and back, in preparation for America’s return with humans later this decade.

NASA plans to build lunar habitats and use lessons learned for advanced missions to Mars in the 2030s.

Observers are heartened that the agenda launched by former President Donald Trump has continued under Joe Biden – even if he hasn’t been as vocal in his support.

Advertising. Scroll to continue reading.

Finally, next fall, NASA’s DART probe will hit an asteroid to deflect it from its trajectory.

The proof-of-concept test is a dry run should humanity ever stop a giant space rock from wiping out life on Earth, as seen in Netflix’s new hit movie “Don’t Look Up.”

]]>
Five paradise islands from which you can work remotely in 2022 https://newtoncountymotourism.org/five-paradise-islands-from-which-you-can-work-remotely-in-2022/ Fri, 24 Dec 2021 19:29:00 +0000 https://newtoncountymotourism.org/five-paradise-islands-from-which-you-can-work-remotely-in-2022/ Working from home is much better when the home is a tropical oasis. For many employees, one of the bright spots of the coronavirus pandemic has been the ability to not be hitched to a desk. A computer and an Internet connection are now all that employees previously tied to their desks need to do […]]]>


Working from home is much better when the home is a tropical oasis.

For many employees, one of the bright spots of the coronavirus pandemic has been the ability to not be hitched to a desk. A computer and an Internet connection are now all that employees previously tied to their desks need to do their jobs.

Tropical island tourism departments have taken note, and with COVID-19 continuing to plague the travel industry, a number of island oases have focused on attracting long-term visitors to come to work remotely from paradise.

For digital nomads looking for a change of scenery in 2022, here are five beach sceneries filled with resort towns that made it possible not only to stop but to stay a year or two.

Aruba

Your coworkers will never put fish in the microwave.
Shutterstock

Thanks to the country’s “One Happy Workation” program during the pandemic, remote workers can stay in Aruba for up to three months. In addition to the generous time allowance, the program also offers an accommodation package that includes special rates, free Wi-Fi, all-inclusive food and drink options, and more.

“As a visitor, you cannot [to] work for and receive income from an Aruban company or individual (for this a work or business permit is required) ”, a publication on the program notes. “All participants must be employed by a company or self-employed in their country of origin. “

Barbados

Do you work from Barbados for a year?  Why not?
Do you work from Barbados for a year? Why not?
Getty Images / iStockphoto

The new 12-month Barbados Welcome Stamp program allows “anyone who qualifies for a visa and whose work is independent of location” to stay for a full year on the Eastern Caribbean island. For those who love it so much that they would like to stay longer, “you can easily reapply”, a Initiative website states.

Income requirements are also significantly lower than those for remote work visas from many other countries: applicants must earn an annual income of at least $ 50,000 and pay a non-refundable fee of $ 2,000. For families, the fee is $ 3,000 in total.

Bermuda

Do the pink sand beaches seem like a nice place to work next year? Bermuda one year residency program would like to make this a reality for you.

A new 12-month Bermuda Residence Certificate policy aimed at increasing the island nation’s residential population and economic activity costs just $ 263 and allows people over 18 who have health insurance and a stable income to call the country house for 365 days. Proof of vaccination is also now required to apply.

remote work 2022 island
Seven Mile Beach in the Cayman Islands.
Getty Images

Cayman Islands

“Take conference calls from the heart of the culinary capital of the Caribbean, host board meetings just steps from award-winning Seven Mile Beach, and brainstorm business solutions while paddling through peaceful mangrove forests… that sounds like a dream, doesn’t it? ” a website for the Cayman Islands Department of Tourism’s two-year Global Citizen concierge program.

However, not everyone is eligible for the Caribbean office offer. Candidates must have proof of employment or income for a salary of $ 100,000 per year ($ 150,000 for applicants with one dependent, with more dependents requiring increasing salary requirements), proof of identity , police clearance and proof of health insurance, among other required documents. A non-refundable fee of $ 1,469 for groups of up to two people (with an additional $ 500 per dependent) is also required.

The work permit does not include accommodation – lone Cayman workers will need to find their own accommodation on one of the country’s three islands.

Costa Rica

A tropical forest in Costa Rica
A tropical forest in Costa Rica.
Shutterstock

In October, Costa Rica passed a law aimed at making the Central American country more attractive to remote foreign workers. The new legislation includes income tax exemptions and local banking access, and validates overseas driving licenses for regional use, according to the El País newspaper. However, among the stipulations of the rule, foreign workers must earn at least $ 3,000 per month. While tourist visas only last for three months, it’s easy to extend them by simply visiting a neighboring country and then coming back.


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Fertilizer Mine Gets Approval for Additional 25 Years of Site Work https://newtoncountymotourism.org/fertilizer-mine-gets-approval-for-additional-25-years-of-site-work/ Sat, 11 Dec 2021 07:00:00 +0000 https://newtoncountymotourism.org/fertilizer-mine-gets-approval-for-additional-25-years-of-site-work/ THE Boulby fertilizer mine in East Cleveland is celebrating the approval of another 25 years of work at the site – even though it will cost it around £ 14million. The decision of the North York Moors Park Authority planning committee was hailed by Chief Executive Officer Andrew Fulton as “a big step forward in […]]]>


THE Boulby fertilizer mine in East Cleveland is celebrating the approval of another 25 years of work at the site – even though it will cost it around £ 14million.

The decision of the North York Moors Park Authority planning committee was hailed by Chief Executive Officer Andrew Fulton as “a big step forward in securing the future of our business and our ability to continue to provide jobs and investment during many years to come ”.

Mr Fulton was speaking after the decision to approve his request to continue production of polyhalite and salt until 2048 after the current authorization expires in 2023.

As part of the approval, the company will undertake a program to improve the visual aspects of the mine, including the removal of some construction structures, and, in line with its responsibilities to the community, will support a series of measures, including almost £ 9million for landscape improvements and a contribution of almost £ 5million to tourism activities.

Mr Fulton said: “We are grateful that the Park Authority’s balanced decision provides the long-term security that will allow us to both stay at the heart of the local community, as East Cleveland’s largest employer, and build on our position as the world’s first and only polyhalite producer, which now helps meet global food needs in the UK and on all five continents.

“This decision comes at a particularly important stage in our development plans. Having withstood the worst impacts of the pandemic – and remained in business throughout – we are now dramatically improving production.

“In October, we reached our highest lift level of over 90,000 tonnes and recorded our best monthly production performance of processed polyhalite of over 80,000 tonnes.

“The last few years have been very difficult with decades of potash production transitioning to become the world leader in polyhalite. This positive decision helps put us on a solid footing for the future, which is good news for our company, our workforce and our region.

Polysulfate is naturally available and is extracted, crushed, sieved and bagged, without any other industrial process. It’s soluble, easily absorbed, and a popular crop nutrition boost, as it contains four essential plant nutrients: sulfur, potassium, magnesium, and calcium.


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COTR obtains work-integrated learning funds https://newtoncountymotourism.org/cotr-obtains-work-integrated-learning-funds/ Fri, 03 Dec 2021 18:33:58 +0000 https://newtoncountymotourism.org/cotr-obtains-work-integrated-learning-funds/ Students across British Columbia will have access to no less than 3,000 new cooperative learning and work-integrated learning (WIL) opportunities in 2021-2022 thanks to new funding and a focus on strengthening internships affected by the COVID pandemic -19. The Ministry of Higher Education and Vocational Training is investing $ 5.5 million in one-time funding to […]]]>


Students across British Columbia will have access to no less than 3,000 new cooperative learning and work-integrated learning (WIL) opportunities in 2021-2022 thanks to new funding and a focus on strengthening internships affected by the COVID pandemic -19.

The Ministry of Higher Education and Vocational Training is investing $ 5.5 million in one-time funding to expand co-op and WIL programs. In total, 46 projects in British Columbia’s 25 public post-secondary institutions are supported, including the College of the Rockies (COTR).

The college receives a share of the funds to help restart cooperative education and further develop cooperative education options in 13 program areas at the diploma and degree levels, including accounting, hotel management, marketing, l business administration, adventure tourism and environmental sciences. .

“The COVID-19 pandemic has had a disproportionate impact on the employment prospects of young people, notably by reducing the number of cooperative learning and work-integrated learning placements available to students. We are investing in these opportunities to help students access the hands-on experiences they need to launch their careers, ”said Anne Kang, Minister of Higher Education and Vocational Training. “Helping employers across the province provide cooperative and work-integrated learning opportunities is great news for businesses and great news for students. “

“British Columbia’s competitive advantage lies in its people, and by investing in skills training, we are supporting our economic recovery and building long-term prosperity,” said Ravi Kahlon, Minister of Employment, Economic recovery and Innovation. “Lifelong learning is essential to building the sustainable workforce that British Columbia needs to address labor market shortages now and in the future. This commitment to vocational training will open up more opportunities for good jobs that will help communities thrive.

The 2019 British Columbia Labor Market Outlook forecasts more than 860,000 vacancies that will need to be filled over the next decade. Of these job openings, 77% will require some level of post-secondary education or training.

In 2020-2021, there were 14,318 co-op placements at 16 public post-secondary institutions, involving more than 6,800 employers who paid more than $ 174 million in salaries to students.

This is a decrease of 14.8% from 2019-2020, or a loss of nearly 2,500 co-op placements, due to the COVID-19 pandemic. Other forms of TIA have also been affected.

Cooperative internships are concentrated in engineering (30% of internships in 2020-2021), administration / business (17%), science (13%) and computer science (19%).

“With the help of the cooperative, I was able to acquire hospitality skills such as teamwork, leadership, time management and customer relations. We applied our knowledge to practical situations and learned communication skills and how to attract customers, ”said Sandhu Awrinder, a hotel management student at the College of the Rockies.

e-KNOW photo file

e-KNOW



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