Bankroll – Hudson Berkshire Experience http://hudsonberkshireexperience.com/ Wed, 07 Jul 2021 05:23:03 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://hudsonberkshireexperience.com/wp-content/uploads/2021/05/cropped-icon-32x32.png Bankroll – Hudson Berkshire Experience http://hudsonberkshireexperience.com/ 32 32 Mark Cuban and Dallas Mavericks to no longer play national anthem at home games: report https://hudsonberkshireexperience.com/mark-cuban-and-dallas-mavericks-to-no-longer-play-national-anthem-at-home-games-report/ https://hudsonberkshireexperience.com/mark-cuban-and-dallas-mavericks-to-no-longer-play-national-anthem-at-home-games-report/#respond Thu, 08 Apr 2021 02:58:09 +0000 https://hudsonberkshireexperience.com/mark-cuban-and-dallas-mavericks-to-no-longer-play-national-anthem-at-home-games-report/

In recent years, there has been debate over whether or not players of any American sport should be forced to stand up for the national anthem, or allowed to kneel or display another gesture or form of expression.

Dallas Mavericks owner Mark Cuban has decided to take this debate in a different direction, deciding not to play the Anthem in home games this season or moving forward, he confirmed to Tim Cato of The Athletic in an explosive story from Tuesday. The Mavs are believed, according to the report, to be the first North American professional sports team to rid themselves of the Stars and Stripes.

Fans were first cleared into the American Airlines Center in Dallas in Monday’s victory over the Minensota Timberwolves and the anthem was not played until that game, as were all 12 regular and pre. -season before this season. Cuban and the team declined to comment on the matter to The Athletic.

The NBA pushed back Cuban and the Mavericks on Wednesday, saying the national anthem will be played in all arenas.

“With the NBA teams now welcoming fans to their arenas, all teams will play the national anthem in accordance with long-standing league policy,” NBA spokesman Mike said. Bass, in a statement.

In a June interview with ESPN’s SportsCenter, Cuban said the NBA should change its rule forcing players to defend the anthem amid Black Lives Matter and many increasingly popular and vibrant social justice movements over the summer. This rule was indeed relaxed at the conclusion of the season at the Orlando bubble.

“Hopefully we’ll readjust and allow players to do what is important to them,” Cuban told ESPN’s Jeremy Schaap, “whether it’s raising his arm in the air, putting one knee in the air. If they got down on their knees and they were respectful, I would be proud of them. I hope I would join them.

A week later, in a conversation in June with former NBA player Caron Butler as part of the league’s #NBAVoices series, Cuba discussed the BLM protest movement and how it made him think of the Pledge of Allegiance he used to say every day at school.

“And to come back to it, freedom and justice for all. This is what this flag is meant to be for all of us, ”he said. “And so when people kneel down, when people stand up and protest, that is precisely what we are committed to doing all of our lives in school.”

Now, Cuban has apparently decided to do away with the national anthem altogether, reversing a decades-long trend and potentially opening the team and the league to another wave of controversy now that this news has been confirmed.


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all you need to know https://hudsonberkshireexperience.com/all-you-need-to-know/ https://hudsonberkshireexperience.com/all-you-need-to-know/#respond Thu, 08 Apr 2021 02:58:05 +0000 https://hudsonberkshireexperience.com/all-you-need-to-know/

kasosod manusaponGetty Images

money in hard times

More than 2.5 million people have been able to take advantage of their payment holiday. mortgage, but from April 1, 2021, you will no longer be able to request this assistance from your bank or your mortgage company; although you can always ask your bank for help if you need it.

If you applied before March 31, this assistance will end on July 31, 2021.

Mortgage payment holidays

If your income has gone down and you think you will benefit from it, you may still be able, under certain circumstances, to obtain mortgage leave.

You will need to discuss this with your lender, who will assess your situation to see if you can afford mortgage leave or even reduced payments.

the Financial conduct authority (FCA) stressed, however, that people should only request payment leave if they really need it.

Automobile financing

Consumers can expect to be able to freeze their payments for six months and the interest owed will accrue.

Auto companies have been urged not to repossess the cars during this difficult time. If a customer is approaching the end of their finance contract and is unable to pay the final payment amount, then the supplier should try to come up with a solution that allows the buyer to keep the car.

Payday loans

If you have taken out a personal loan, you will only be able to suspend payments for one month. After the month-long payment holiday, payday loan providers should offer customers an affordable repayment plan, which could include a number of smaller payments.

Rent-to-own, buy-it-now and late payment and pawnshop

Again, these providers are advised to consider offering a three month payment freeze and interest should be accrued or even waived if possible.

If someone is in the middle of a buy-it-now agreement, it should be extended for the duration of the payment freeze.

If someone has an item purchased under an option to buy lease, it should not be taken back. If an item were to be picked up but is not due to social distancing, the customer should not face additional charges.

Pawn shops are required to extend the repayment period. If it has already ended, they should not serve a notice of sale for an item for at least three months. If notice has been served, it should be suspended.

Protect your credit score

When you need to start payments in July, it’s important not to miss payments to avoid damaging your credit score.
“Becoming in arrears with not paying your credit card, loan or mortgage for even a month can lower your credit score by up to 33 points. A default or non-payment for three consecutive months is likely to trigger a dramatic drop in your credit score and result in a black mark being added to your file. These black marks make accessing credit nearly impossible, with negative scores appearing on your credit report for up to six years, ”warns Justin Basini, CEO and co-founder of ClearScore.

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Golden State’s stimulus check in California: what is the income to be eligible? https://hudsonberkshireexperience.com/golden-states-stimulus-check-in-california-what-is-the-income-to-be-eligible/ https://hudsonberkshireexperience.com/golden-states-stimulus-check-in-california-what-is-the-income-to-be-eligible/#respond Thu, 08 Apr 2021 02:58:03 +0000 https://hudsonberkshireexperience.com/golden-states-stimulus-check-in-california-what-is-the-income-to-be-eligible/

It was announced on Wednesday that California lawmakers had agreed on details of a $ 9.6 billion covid-19 relief package which includes a new round of $ 600 stimulus checks for low-income people in the state. The plan was ad by Governor Gavin Newsom on Wednesday and appears to be a modified version of the Golden State Stimulus plan he proposed last month.

In addition to stimulus checks, billions of dollars have been allocated to grants for small businesses and provide emergency accommodation for the state’s many farm workers who are forced to self-quarantine after testing positive for the coronavirus.

Anthony Rendon, President of the National Assembly, says the package “Would help those who suffer the most”, adding: “We are building an economic base for the recovery of jobs, small businesses and, of course, our daily lives.

California State Stimulus Check Eligibility and Income Limits

Direct payments of $ 600 per person make up the bulk of the package, costing $ 2.3 billion in total. This will see stimulus check payments sent to approximately 5.7 million people, some of which were missed in previous payments under former President Trump.

Details of the proposal can still be changed before being officially enacted, but it’s likely that eligibility for a California stimulus check will be:

  • Those who earn less $ 30,000 per year
  • Households that received the Earned income tax credit for 2020
  • Nobody unable to receive a recent federal payment because they do not have a social security number, but have an individual tax number and an income of less than $ 75,000
  • Households in the CalWORKS public aid program
  • Those who qualify for the Additional Security Income / Additional State Payment
  • Recipients of the Cash Assistance Program for Immigrants

GOP Senator Andreas Borgeas, who helped build bipartisan consensus for the proposal, said of the announcement: “This path to victory proves that when lawmakers cross the aisle and work together on our most pressing needs, we can get things done.

Small businesses and agricultural workers offer additional protection

The new stimulus package also provides additional support to the other economic victims of the pandemic. About $ 2 billion in tax relief will allow 750,000 small businesses to deduct up to $ 150,000 in economic disaster loans or payments protection plan loans from their state taxes.

There are also more favorable conditions for the hospitality industry, with almost 60,000 restaurants and bars allowed to waive annual license fees for two years.

President of the Senate Pro Tempore Toni Atkin says she hopes it will be a Vital lifeline for struggling businesses: “People are hungry and suffering, and businesses that our communities have loved for decades are at risk of shutting down. “

There is also Funding increase of $ 24 million for a program providing accommodation to food processing and agricultural workers who have contracted the coronavirus. As essential workers they have been forced to work throughout the pandemic and in many cases are unable to truly self-quarantine if infected.

Governor Newsom said of this new effort: [The farmworker housing programme has] have been underutilized, and we recognize that … The purpose of this new credit is to maximize efficiency. “

Eligibility could affect the arrival of the dunning check

The deal comes after weeks of bipartisan talks and both sides now hope to move forward with the package quickly. Hearings of the Budget Committee are expected to begin on Thursday, February 18, with the proposal likely to be put to the vote next Monday.

Individual situation of beneficiaries is likely to affect how quickly your check is processed. For example, households eligible by the CalWORKS public aid program would probably be delayed and may not get theirs until mid-April.

Newly eligible groups to be included in this proposal are the beneficiaries of the The additional security income; the State additional payment for those who are 65 or older, blind or disabled; and anyone in the Cash Assistance Program for Immigrants. The timing of these stimulus check payments is still under discussion by state and federal authorities.

For all the latest updates as they happen on stimulus checks in California, Maryland, and the Federal level, follow our dedicated live stream.




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Broadcast Management Group Acquires Five Grass Valley LDX 86 WorldCam 4K Cameras and Becomes Official Reseller of Grass Valley Product Line https://hudsonberkshireexperience.com/broadcast-management-group-acquires-five-grass-valley-ldx-86-worldcam-4k-cameras-and-becomes-official-reseller-of-grass-valley-product-line/ https://hudsonberkshireexperience.com/broadcast-management-group-acquires-five-grass-valley-ldx-86-worldcam-4k-cameras-and-becomes-official-reseller-of-grass-valley-product-line/#respond Thu, 08 Apr 2021 02:58:03 +0000 https://hudsonberkshireexperience.com/broadcast-management-group-acquires-five-grass-valley-ldx-86-worldcam-4k-cameras-and-becomes-official-reseller-of-grass-valley-product-line/

NEW YORK, NY / ACCESSWIRE / Feb. 18, 2021 / Broadcast Management Group, Inc. (BMG) acquires five switchable LDX 86 WorldCam cameras 1X / 3X / 6X HD, 1X / 6X 3G and 1X 4K for its latest REMI mobile unit. Grass Valley also names Broadcast Management … Broadcast Management Group, Inc.

NEW YORK, NY / ACCESSWIRE / February 18, 2021 / Broadcast Management Group, Inc. (BMG) acquires five LDX 86 WorldCam switchable 1X / 3X / 6X HD, 1X / 6X 3G and 1X 4K cameras for its most recent REMI mobile unit. Grass Valley Also Appoints Broadcast Management Group a National Reseller of Grass valley product line.

LDX 86 4K cameras are specially designed for UHD / 4K live streaming, especially sports productions, where the use of traditional B4 mount HD lenses instead of PL lenses enhances the ability of the producer and director to tell captivating and engaging stories without any loss of sensitivity. “BMG produces a large amount of live entertainment and sports programming that requires these unique features,” said Andrew Ryback, Executive Vice President of the Live Production Division of BMG.

Broadcast Management Group recently created the first specially designed fully remote-controlled REMI Broadcast Hub. This one-of-a-kind operation allows creative and technical talents from all over the world to access BMG’s equipment and means of transmission. REMI distribution hub. BMG builds REMI mobile units and has chosen Grass Valley’s LDX 86 WorldCam as the camera choice for its REMI 1 mobile unit.

“We are pleased to add Grass Valley to our list of manufacturers that BMG’s systems integration division represents,” said Megan Kirst, Senior Vice President of Systems Integration. “I have worked with Grass Valley for many years and know their product line well. Their cameras are a perfect match for ours. manufacturing service, and I know they will be for many of our System Integration customers. “

“One of the strengths of our Systems Integration Division is that we are powerful users of technology, producing over 70 hours of live programming per week. Our customers appreciate that we are not only sophisticated system designers, but also end users, ”said Todd mason, Chief executive officer. “Our new REMI Broadcast Hub provides customers with a disaster recovery facility and production capabilities that can augment their own facilities,” continued Mason.

“Grass Valley’s world-class HD and 4K camera line enjoys an enviable position in the global market. A large part of our success comes from dedicated and knowledgeable resellers like BMG, and we are delighted to have them as part of our distribution channel, ”said Marco Lopez, Grass Valley General Manager for Live Production. “The fact that BMG uses these five new cameras in its own facilities adds even more value, as their customers will benefit from the positive experiences with the cameras that BMG will certainly appreciate. “

Broadcast Management Group is a full-service media company with six practice groups: live production, broadcast consulting, creative content development, long-term production staff, Systems integration, and event management. BMG also operates a state-of-the-art REMI broadcast center and tailor-made REMI mobile units. The company has offices in New York, Los Angeles, Chicago, Las Vegas and Washington DC

CONTACT:
Suzanne kennedy
Broadcast Management Group, Inc.
Telephone: 202.345.6724
skennedy@broadcastmgmt.com

SOURCE: Broadcast Management Group, Inc.

See the source version on accesswire.com:
https://www.accesswire.com/629390/Broadcast-Management-Group-Acquires-Five-Grass-Valley-LDX-86-WorldCam-4K-Cameras-and-becomes-an-Official-Reseller-of-the- Grass-Valley-Product-Line


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How I Left My Debt: Ben and Melissa Panter https://hudsonberkshireexperience.com/how-i-left-my-debt-ben-and-melissa-panter/ https://hudsonberkshireexperience.com/how-i-left-my-debt-ben-and-melissa-panter/#respond Thu, 08 Apr 2021 02:58:01 +0000 https://hudsonberkshireexperience.com/how-i-left-my-debt-ben-and-melissa-panter/

In this series, NerdWallet interviews people who have triumphed over debt by combining commitment, budgeting, and smart financial choices. Answers have been edited for length and clarity.

Ben and Melissa Panter of Mount Laurel, New Jersey, have always been what Ben calls “above average savers” – they lived sparingly and coordinated their schedules to avoid child care costs. They ate at restaurants “maybe once a week,” he says. So when they decided to cut spending in order to pay off their debts, it was no easy task.

At the time, they had a large mortgage payment, and Ben’s student loan balance was increasing, even though they were making income-based payments. Ben, 33, is an adjunct teacher, freelance photographer and graphic designer.

Melissa, 32, who teaches part-time at a public school, says they weren’t focused on what they owed – aren’t everyone in debt? But when she asked their financial advisor when they should increase their retirement savings, her response surprised her: “Once you’ve paid off your debt. The Panters hadn’t even added up their debt by then. [Editor’s note: NerdWallet advises saving for retirement while repaying debt because an early start is key to growing a sufficient nest egg.]

However, they had saved up and had almost $ 30,000. They quickly paid off their $ 8,000 auto loan balance, kept about $ 5,000 in emergency savings, and invested the rest in Ben’s student loans.

Then they took their frugality to the next level. They only went to the movies if someone offered them a gift card and stuck to homemade Christmas presents. The only exception: “We gave each other $ 50 Starbucks cards for Christmas,” says Melissa. “And we made these puppies last. We would order a large frozen drink to share and then get free refills.

Melissa says the intense family focus on buying exactly what she needed – and no more – is all the rage. Think minimalism and Marie Kondo for your finances.

A tight budget “frees up,” says Melissa. She didn’t have to use her brain space to decide which $ 10 foundation to buy from CVS, nor was she tempted by impulse buys. She and Ben wanted to get out of debt, period, and their already meager budget didn’t leave many obvious opportunities to cut.

They logged into NerdWallet to share their story, which may inspire your own journey to pay off the debt.

It’s time to crush the debts

Sign up to link and track everything from cards to mortgages in one place.

What was your debt when you started your repayment journey?

Ben: The round figure was around $ 127,000, mostly student loans and a car.

How did you end up in debt?

Lemon balm: Ben still had debts from his undergraduate degree, on which we were paying minimum payments. We wanted him to be able to teach at the university level, so he applied to several graduate programs. He loved the program at a private art school, and honestly we hadn’t even tried to figure out how much it would cost us. We just thought it was the next logical step for his career, and that’s what we were supposed to do. We also bought a car with a loan because we had heard that using “other people’s money” was a smart thing to do. We were so naive. We also bought a house that we couldn’t afford at the same time he started his graduate program, with next to nothing down there. The prices went down right after the purchase and we couldn’t sell. The mortgage payment was so high for us that it was difficult to reduce the debt.

What triggered your decision to start deleveraging?

Lemon balm: Our financial advisor went through Financial Peace [the Dave Ramsey program], and he suggested it.

What steps have you taken to reduce your debt?

Ben: We have a budget with no leeway [using You Need a Budget software].

Lemon balm: We have reduced our internet connection slightly above the base. We had no issues with our speeds for less than $ 60. We got rid of our crazy cell phone bills by switching to Ting. We don’t use data – we just use Wi-Fi in our house, and free Wi-Fi is everywhere in our area. We have reduced our food bill to $ 200 per month. [They have since increased the food budget to $250 a month with a 7-year-old and a toddler.] The only vacations we took were related to the Artist-in-Residence programs Ben received as a photographer. We were able to stay in Rocky Mountain National Park as well as Acadia National Park and a few others, while he had a “job-cation”.

Ben: We stopped doing anything other than mandatory pension contributions [including not contributing to get a match].

Lemon balm: We still haven’t restarted it. We’re trying to save 20% for a down payment on a house. Once we have done that, we will resume our contribution. [Editor’s note: NerdWallet recommends contributing at least enough to get an employer match, even while repaying debt, because it’s free money.]

Have you used large or unexpected sources of money to pay off your debts?

Lemon balm: Ben’s parents paid $ 100 a month on his student loan, just like they had done for his older brother. It was a big help. Ben was also able to increase his income, with more freelance work and another auxiliary position.

What would you do differently knowing what you are doing now?

Ben: We may have sold our house earlier. We had an offer, but we should have brought $ 25,000 to the table because we were underwater. We eventually decided to use the money to pay off other debt, but ended up continuing to spend a large chunk of our income on mortgage payments.

How is it different to be debt free?

Lemon balm: Getting out of debt is actually more difficult because you have more choices. It’s like, “Okay, what’s a good way to spend? »Not having money or choice saves brain energy.

Ben: Being debt free gives you freedom. We prefer to have the freedom – to be able to change careers, travel or whatever. We still have a budget. It helps you prioritize and know the money is going to do the things you think are important.

How do you expect your children to benefit from it?

Lemon balm: I wrote and self-published a children’s book to help talk about it with our children. Debt is so prevalent that it’s important to learn to think about it counter-culturally from the start. The book is titled “Piggy’s Peach Pie” and is about a little pig who has a problem when he promises his friends a peach pie before his peach tree has produced fruit. We show our own children that debt is a trap and we teach them the skills they will need to avoid it.

How to deal with your own debt

If the Panters story inspired you to examine your own debt and design a budget, here’s how to get started:

  • Determine how much you owe, and propose a strategy to reimburse it. The Panters chose the “snowball method”, Which consists in tackling first the smallest balances. You have to choose the strategy that will motivate you to stick to it.

  • Set aside or save an emergency fund. Unexpected expenses will happen, but they’re less likely to derail your debt repayment plan if you have the cash at their disposal.

  • Discover ways to bring in more money so that you can get rid of the debt of your life faster.

Photo courtesy of Melissa Panter


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Dave Chappelle defends himself, asks Netflix to remove “Chappelle’s Show” from streaming https://hudsonberkshireexperience.com/dave-chappelle-defends-himself-asks-netflix-to-remove-chappelles-show-from-streaming/ https://hudsonberkshireexperience.com/dave-chappelle-defends-himself-asks-netflix-to-remove-chappelles-show-from-streaming/#respond Thu, 08 Apr 2021 02:57:58 +0000 https://hudsonberkshireexperience.com/dave-chappelle-defends-himself-asks-netflix-to-remove-chappelles-show-from-streaming/

Dave Chappelle never really explained why he strayed from Chapel Show – but he alluded to it.

On stage, during The revelation of the bird, Chappelle memorably compared the world of showbiz exploitation to the heartbreaking experience of an abused sex worker, and expressed his displeasure that ViacomCBS allowed Chapel Show to several streaming giants, without paying him a single penny.

From his recent SNL monologue, Chappelle took action and contacted Netflix directly to request that Chapel Show be removed from streaming. And Netflix has would have respected, perhaps acknowledging that it might be a good idea to keep Chappelle happy, given the quality of her Netflix-exclusive specials.

In a video posted to Instagram, titled unforgiven, Chappelle explains his reasoning by doing what he does best – telling a story (the full video can be found here, and definitely worth a visit).

In the video, Chappelle reflects on how many times he’s been intimidated by powerful industry figures, cheated, exploited and humiliated, until he realizes he can’t change an operating system. on his own – but he understands his influence with Netflix.

Chappelle said:

“That’s why I’m fucking with Netflix. Because they paid me my money, they do what they say they’re going to do, and they’ve gone above and beyond what you’d expect of “a businessman. They did something just because they thought I could think they were wrong. And I do – I think if you stream this show, you get some stolen goods back. “

Chappelle asks his audience to boycott Chapel Show, until he is properly compensated:

“So I don’t go to the agents, I come to my real boss – I come to your place. I beg you – if you ever loved me, if you ever thought there was something worthwhile. at my house, I beg you, please don’t watch this show. I’m not asking you to boycott any network – boycott me. Chapel Show. Don’t watch it unless they pay me.

The conversation comes at an interesting time – Kanye West is apparently undergoing a similar battle against the music industry, as Disney is currently embroiled in a bitter copyright war that is be described as “unprecedented” and “grotesque”.

Chappelle may be relatively wealthy compared to the majority of his fans, but his request seems more than reasonable – he is simply asking to be paid fairly for his work.

Signing a restrictive contract, designed to disorient and intimidate newcomers to the industry, isn’t exactly a rare experience, and one would hope that Chappelle’s stance might encourage other artists to express themselves.




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Citi Double Cash Review: 2% on Everything Hard to Beat https://hudsonberkshireexperience.com/citi-double-cash-review-2-on-everything-hard-to-beat/ https://hudsonberkshireexperience.com/citi-double-cash-review-2-on-everything-hard-to-beat/#respond Thu, 08 Apr 2021 02:57:54 +0000 https://hudsonberkshireexperience.com/citi-double-cash-review-2-on-everything-hard-to-beat/

the Citi® Double Cash Card – 18-month BT offer is a valuable workhorse among credit cards. With a superior flat rate cash back, it’s ideal for consumers who want hassle-free cash rewards on everything they charge. What it lacks in sizzling, it makes up for in reliability on a daily basis. It’s a Honda Accord in a credit card market that recently got stuck with aspiring Lamborghinis.

Most of what you need to know: The card gives you 2% cash back on every purchase – 1% when you make it and 1% cash back when you pay it back. There is no limit to how much you can earn, and the annual fee is $ 0.

the Citi® Double Cash Card – 18-month BT offer holds well on its own, but it’s also a perfect companion to a bonus grade credit card for those who use two card strategy to maximize cash back.

As good as it is, this offer won’t have everything all credit card buyers are looking for. There’s no signup bonus, for example, and it also doesn’t offer ways to earn more than its base (admittedly high) reward rate. For those who wish to transfer a balance, the terms are decent but not top notch.

Even so, to get maximum rewards with minimum effort (or cost), you would be hard pressed to find a better card.

Citi® Double Cash Card: The Basics

Awards: 2% cash back on purchases, divided into two stages:

  • 1% cash back for every dollar spent.

  • 1% cash back for every dollar paid.

Redemption possibilities: Credit statement, deposit to bank account or check. Minimum redemption amount: $ 25.

Nerdy tip: The Citi Double Cash is a cash back credit card, but it also allows you to convert your rewards into cash into Citi Thank You Points at an effective ratio of 1: 1. ThankYou points redemption options include travel, gift cards, and more. See here for more information.

Interest rate: 0% introductory APR on balance transfers for 18 months, then the ongoing APR of 13.99% to 23.99% Variable APR.

Balance transfer fees: 3% of the amount transferred or $ 5, whichever is greater.

Benefits of the Citi® Double Cash card

High reward rate

The industry standard for cash back rewards was 1%. As the name suggests, the Citi® Double Cash Card – 18-month BT offer essentially doubles that rate, paying 1% upfront and 1% after paying the bill. The sooner you pay your balance, the sooner you earn the second half of the rewards. It’s a powerful incentive to pay your entire credit card bill every month, which we recommend you do anyway to avoid interest.

Nerdy tip: When you redeem a cashback for a credit on your statement, you don’t earn the second 1%. This is because you are not actually repaying that amount; it’s just subtracted from your bill. But that’s a minor consideration. Trading a whopping $ 1,000 a year would mean giving up $ 10 in rewards for the convenience of taking the money in the form of statement credit. It’s still very close to a 2% return on expense, assuming you pay your bill in full each month.

Simplicity

Many cash back cards offer bonus categories, some permanent, others that change monthly. They allow you to earn additional rewards in featured expense categories, such as gas stations, restaurants, and home improvement stores. They can be complicated to follow. Some limit the amount of spending that is eligible for bonus rewards, and any spending over that limit earns a mundane cash back of 1%.

With the Citi® Double Cash Card – 18-month BT offer, you can be a lazy optimizer and pull out the same card all the time, without worrying about where you are using the card and whether you have hit the limit for a spending category.

Flexibility

the Citi® Double Cash Card – 18-month BT offer offers the option to earn cash or convert your rewards into Thank You Points.

ThankYou points can be invaluable, especially for travelers, but the ThankYou rewards program is not as straightforward as others and requires a bit of navigation know-how in order to get the best value for money. The cash back earned on the Citi® Double Cash Card – 18-month BT offer converts to thank you points in a 1: 1 ratio. That means you could turn $ 100 in cash rewards into 10,000 Thank You points. Then you can redeem points for travel, gift cards, purchases at eligible retailers, and other options.

Depending on your credit card strategy and travel goals, this conversion flexibility can potentially increase the value of your rewards.

Disadvantages to consider

The disadvantages of Citi® Double Cash Card – 18-month BT offer These aren’t much of a deal breaker in light of the high reward rate, but they’re still worth mentioning.

No bonus. There is no sign up bonus for this offer, but cash back card bonuses are usually not high anyway, usually $ 150 or less.

No disproportionate rewards. Double the money on all purchases is great, but it doesn’t come close to the 5% cashback you can get on some expenses if you’re willing to invest more effort using quarterly grade cards.

Foreign transaction fees. Its 3% fee for foreign transactions means it’s a bad choice of card to use abroad. Many cards do not have such fees.

Balance transfer fee. The long interest-free period on balance transfers is competitive, and a 3% balance transfer fee with a minimum of $ 5 is typical. But the fees always hurt. This equates to a fee of $ 300 out of the $ 10,000 transferred.

Minimum redemption. You must have at least $ 25 in rewards before you can redeem them, which equals $ 1,250 in purchases. Multiple cards allow you to redeem rewards of any amount at any time.

Expiration of the award. Citi says cash rewards balances “expire” if you don’t earn cash back on your purchases or payments for 12 months. If you stop using the card, be sure to redeem the qualifying rewards first – or make a minor purchase with the card at least once a year to reset the clock when it expires.

Citi® Double Cash Card against the competition

The toughest competitors are cards that offer huge cash back for specific spending categories, depending on where you use them.

Rotating categories. Some cards offer 5% cashback on bonus categories that change quarterly. In the past, categories included gas stations, restaurants, supermarkets, department stores, and home improvement stores. Good examples are the Chase Freedom Flex℠ and the Discover it® Cash Back. Both offer 5% off the categories you activate, up to $ 1,500 in spend per quarter (equivalent to $ 75 in cash back), and 1% on all other expenses.

Permanent categories. Other cash back cards have bonus categories that don’t change. the American Express Blue Cash Everyday® Card is a good example. The card offers 3% cash back in US supermarkets on spending up to $ 6,000 per year (then 1%); 2% Cash Back at U.S. gas stations and select U.S. department stores; and 1% cash back everywhere else. Conditions apply (To consult the rates and costs of the American Express Blue Cash Everyday® Card, see this page.). It has an annual membership fee of $ 0.

Nerdy tip: For optimizers, the decision is not one or the other, but both. Increase cash rewards by using a bonus categories card to earn higher income on certain purchases, and use the Citi® Double Cash Card – 18-month BT offer for everything else. This reaps a higher yield with a little more effort.

Other flat rate cards. Some credit union cards may have flat rate cash back programs that meet or exceed the Citi® Double Cash Card – 18-month BT offer, but you must be eligible to be a member of the credit union.

the Citi® Double Cash Card – 18-month BT offer beats the more typical flat rate of 1.5% cash back offered by several cards. However, some of these cards offer great cash bonuses that the Citi card does not. the Chase Freedom Unlimited®, for example, makes this offer: Earn $ 200 bonus after spending $ 500 on purchases in the first 3 months after opening the account.

Need more information to help you compare your cash back credit card options? Our best credit cards page can help you.

Is it good for you?

If you want a hassle-free, fixed rate rewards card, it’s hard to beat the Citi® Double Cash Card – 18-month BT offer because its rewards apply to all expenses and have no limit. The returns can be even better if you use it in conjunction with a bonus categories card.


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Skewed claims for agricultural loans, often unsubstantiated, cost millions of US dollars https://hudsonberkshireexperience.com/skewed-claims-for-agricultural-loans-often-unsubstantiated-cost-millions-of-us-dollars/ https://hudsonberkshireexperience.com/skewed-claims-for-agricultural-loans-often-unsubstantiated-cost-millions-of-us-dollars/#respond Thu, 08 Apr 2021 02:57:53 +0000 https://hudsonberkshireexperience.com/skewed-claims-for-agricultural-loans-often-unsubstantiated-cost-millions-of-us-dollars/

Mr Vilsack blamed disgruntled Agriculture Department workers for criticism of the payments, saying some simply refused to acknowledge the pervasiveness of discrimination. “There are a lot of agendas here, and you open up a Pandora’s box,” he said.

But critics, including some of the original black plaintiffs, say this is precisely what the government did when it first agreed to compensate not only those who had evidence of bias, but also those who didn’t. “Why did they let people get away with this?” asked Abraham Carpenter Jr., who operates 1,200 acres in Grady, Ark. “Every time you’re going to throw money in the air, you’re going to have people acting like crazy.”

Farmers claim discrimination

Farmers regularly borrow money to move from the expensive planting season to harvest time; lack of credit can lead to sterile fields. The original trial, Pigford v. Glickman, filed in federal court in Washington in August 1997, argued that the Department of Agriculture’s credit bureau, now known as the Farm Service Agency, routinely denied or limited loans to black farmers while distributing them freely to whites.

Two government reports that year found no evidence of continued systemic discrimination. The Government Accountability Office reported that 16 percent of minority farmers were denied loans, compared to 10 percent of white farmers, but traced the difference to objective factors like bad credit. A study by the Ministry of Agriculture also found “no consistent picture of disparity” over the previous two years.

But the study found that decades of discrimination earlier had cost African-American farmers significant amounts of land and income. Black farmers have told heartbreaking tales of loan officers withholding pledged money while crops wither, repossessing their land and selling it to white buddies, who advised them to milk the crops. cows for white farmers rather than sowing their own crops.

Written complaints of discrimination had fallen on deaf ears at the Department of Agriculture, where the civil rights office was dissolved under the Reagan administration.

John W. Boyd Jr., a Virginia farmer who heads the National Black Farmers Association, was among those urging President Bill Clinton to settle the case. At a White House meeting in December 1997, Mr. Boyd said he recounted how a loan officer refused him $ 7,500 and then handed a check for $ 150,000 to a white farmer who did not ‘had not even filled out a request.


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Regulatory keepin ‘it: Foxp3 gets a BAFFling SWITCH https://hudsonberkshireexperience.com/regulatory-keepin-it-foxp3-gets-a-baffling-switch/ https://hudsonberkshireexperience.com/regulatory-keepin-it-foxp3-gets-a-baffling-switch/#respond Thu, 08 Apr 2021 02:57:52 +0000 https://hudsonberkshireexperience.com/regulatory-keepin-it-foxp3-gets-a-baffling-switch/

Abstract

A new role for SWI / SNF complexes in the regulation of Foxp3 expression and activity in Treg.

Regulatory T cells (Treg) enhance immune tolerance and promote tissue homeostasis. The Foxp3 transcription factor plays an indispensable role in Treg differentiation and function. Although many genes are known to induce expression of Foxp3, relatively little is known about the genetic circuits that maintain levels of Foxp3 and Treg identity. Toilet et al. set out to answer this question using a genome-wide CRISPR-Cas9 screening for the protein in murine T.reg. Among the possible novel regulators of Foxp3 were genes encoding subunits of SWI / SNF nucleosome remodeling complexes.

Mammals harbor three SWI / SNF subtypes – BAF, PBAF, and non-canonical BAF (ncBAF) – each with different subunit compositions. These authors have verified that Treg house the three complexes in the expected compositions. Surprisingly, CRISPR / Cas9 targeting of unique ncBAF subunits, as well as Treg depletion of Brd9, a member of ncBAF, using a synthetic inducer of degradation, decreased expression of Foxp3. In contrast, targeting of PBAF subunits enhanced expression of Foxp3, while targeting of BAF subunits had little effect.

How do ncBAF and PBAF complexes affect Foxp3 levels? Using ChIP-Seq, the authors show that the PBAF and ncBAF subunits, including Brd9, colocalize at the cis-regulatory elements FOXP3. In addition, the depletion of the ncBAF subunits alters the binding of Foxp3 to its own cis regulatory elements. Extending these observations, the authors show that the Foxp3, ncBAF and PBAF subunits share a number of genomic binding sites and that Brd9 depletion reduces the occupancy of Foxp3 at the genome level. They then confirm that these changes in Foxp3 occupation correlate with changes in gene expression using RNA-seq. Taken together, these experiments support a model where two SWI / SNF complexes, ncBAF and PBAF, exert opposing effects on Foxp3 in established Treg, influencing Foxp3’s maintenance of its own expression and its transcriptional control of genome-wide targets.

In a model of T cell transfer colitis, the authors show that targeting the ncBAF Brd9 subunit specifically in Treg abrogates their ability to control colon inflammation and weight loss. Finally, in a model of Treg altered anti-tumor T cell response, they show that the depletion of Brd9 in Treg impairs their ability to promote tumor growth. If confirmed and extended to human models, this work would provide important new information on the maintenance of Treg identity and function, as well as new avenues for therapeutically targeting these cells.


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Check out these 19 Alabama hayrides for a festive fall season https://hudsonberkshireexperience.com/check-out-these-19-alabama-hayrides-for-a-festive-fall-season/ https://hudsonberkshireexperience.com/check-out-these-19-alabama-hayrides-for-a-festive-fall-season/#respond Thu, 08 Apr 2021 02:57:51 +0000 https://hudsonberkshireexperience.com/check-out-these-19-alabama-hayrides-for-a-festive-fall-season/

Assuming summer temperatures ease, a hay walk on a chilly fall afternoon can be a favorite fun family activity. And maybe pick up a pumpkin along the way. So here are 18 Alabama hayrides for your family fun. We’ll even tell you a little bit about each location beyond the hay boardwalk.

And if you have a favorite we haven’t mentioned, be sure to let us know in the comments.

Pumpkin field of paradise photo

Paradise pumpkin patch

Or: 894 County Road 79 South in Eufaula

When: Saturday from 9 a.m. to 6 p.m. Sunday from 11 a.m. to 6 p.m. Columbus Day (October 8) 8 a.m. to 4 p.m.

Attractions: A zebra-alpaca petting zoo, a giant box of corn for kids to wallow in, an inflatable park, pig races, a cotton field for picking and more.

How: $ 12.50 for all attractions except an additional $ 5 for hand pony rides. Seniors cost $ 10 and children under 2 are free. No personal checks accepted.

Website: paradispumpkinpatch.com

Gullion Farms photo

Gullion Farms

Or: 701 Peck Hollow Road in Somerville.

When: 10 a.m. to 4 p.m. every Saturday in October.

Attractions: Children’s zoo, corn jump, hay maze, fishing, hay slide, milking a cow and more.

How: $ 10 per person and school age children are free. No credit or debit cards are accepted.

Website: gullionfarms.com

McGee Farm Photo

McGee Farm

Or: 8221 departmental road 7 in Florence.

When: Weekdays from 3 p.m. to 6 p.m. Saturday from 10 a.m. to 6 p.m. Sundays from 1 p.m. to 5 p.m.

Attractions: 25 varieties of pumpkins from as small as your hand up to 200 pounds, backyard bounce, jump pad, baby goats, fall decorations to buy and more.

How: The farm has no admission fee, but the ride by tractor-drawn wagon to the pumpkin patch costs $ 3 per person. Pumpkins cost $ 2 each, and giant pumpkins sell for 45 cents a pound.

Website: mcgeefarm.com

Huntsville Botanical Garden photo

Huntsville Botanical Garden

Or: 4747 Bob Wallace Avenue in Huntsville

When: Saturdays from 12 p.m. to 4 p.m. and Sundays from 1 p.m. to 4 p.m. until October.

Attractions: The Children’s Garden will be decorated by the schoolchildren with “magical and mythical scarecrows”, the butterfly house is transformed into a “BOO-terfly House” on the last weekend of October, Scarecrow Trail and more.

How: Children ages 3-18 are $ 9, adults $ 14, seniors, and the military are $ 12.

Website: hsvbg.org/seasonal-festivals/#Galaxy

Hoover City Photo

Hoover Hayride

Or: Veterans Park on Valleydale Road in Hoover, parking at Spain Park High School with free shuttles to park.

When: October 25 from 5 p.m. to 8 p.m.

Attractions: A free one-day event hosted by the City of Hoover that features candy and giveaways, food vendors, face painting, balloon artists and more.

How: No entry fees.

Website: hooveral.org/368/Hoover-Hayride-Family-Night

4D image of the family farm

4D family farm

Or: 7066 County Road 703 in Cullman.

When: From Thursday to Sunday every weekend in October and Saturday 3 November. calendar for times.

Attractions: A brand new low ropes obstacle course, cow train, pig races, corn maze, corn hole and more.

How: Thursdays are $ 9.95 and weekend passes are $ 13.95 with a $ 5 upgrade.

Website: 4dfamilyfarm.com

Stock photo at the farm

Down at the Pumpkin Patch Farm

Or: 2257 Heaton Road in Rainsville.

When: Saturday from 10 a.m. to 9 p.m. Sundays from 10 a.m. to 6 p.m. until November 3.

Attractions: 6 acre corn maze, petting zoo, rope maze, backyard bone dig, corn picker play area, gift shop and more.

How: The pumpkin / playground costs $ 9 with additional charges for some other attractions.

Website: downonthefarminal.com

Photo of Tate Farms

Tate Farms

Or: 8414a Moores Mill Road in Meridianville

When: Monday to Wednesday from 2 p.m. to 6 p.m. until October 31; Saturdays from 9 a.m. to 6 p.m.

Attractions: Jumping cushions, hay bale maze, cotton jumping, petting zoo, country store and more.

How: $ 12 with additional charge for pumpkins and other attractions. A $ 2 coupon is available on the farm website for tours Monday through Wednesday.

Website: tatefarmsal.com

Sand Mountains Corn Maze & Pumpkin Patch photo

Sand Mountain Corn Maze & Pumpkin Patch

Or: 8420 Cox Gap Road in the town of Sardis.

When: Tuesday to Thursday from 4 p.m. to 9 p.m. Friday 4 pm-10pm; Saturday 10 am – 11 pm; Sunday from 1 p.m. to 9 p.m.

Attractions: Cow Train Rides, Corn Maze, Corn Blasters, Play Barn, Duck Races, General Store, Zombie Splash and more.

How: $ 10 with additional charges for other attractions.

Website: sandmountaincornmaze.com

Magnolia Corn Maze photo

Magnolia corn maze

Or: 15275 County Road 49 South in Summerdale.

When: Saturdays from 11 a.m. to 9 p.m. and Sundays from 12 p.m. to 5 p.m. until November 3.

Attractions: Corn mazes, mini-farm, pig races, pony rides, paintball stand, zip line, playground and more.

How: $ 10 with additional charges for some attractions including pumpkins. Scouts and military personnel receive a $ 2 rebate. Cash or personal check only.

Website: magnoliacornmaze.com.

Heart of Dixie Railway Museum photo

Heart of Dixie Railway Museum

Or: 1919 9th street in Calera.

When: Pumpkin Patch Express train rides depart at 10 a.m., 1 p.m. and 3 p.m. on Saturdays in October and at 1 p.m. and 3 p.m. on Sundays.

Attractions: Bounce house, corn maze, train ride to the pumpkin patch, gift shop and more.

How: Children 2 to 11 cost $ 12, ages 12 and over $ 17. Ticket upgrades are available. The museum asks you to arrive one hour before the departure time to collect the tickets.

Website: hodrrm.org.

Photo of the Isbell Pumpkin Farm

Isbell Pumpkin Farm

Or: 2998 Aycock Cemetery Road in Leighton.

When: Saturdays from 10 a.m. to 6 p.m. and Sundays from 1 p.m. to 5 p.m.

Attractions: Gemstone mine, corn maze, petting zoo, slides, pony rides and more.

How: $ 9 per person (excluding pumpkin) and additional charges for certain attractions.

Website: isbellspumpkinfarm.wixsite.com/isbellspumpkinfarm2

Belue Place Pumpkin patch photo

Belue Place Pumpkin Patch

Or: 700 County Road 513 in Lexington.

When: Saturdays from 10 a.m. to 5 p.m. and Sundays from 1 p.m. to 5 p.m. until October.

Attractions: Corn maze, hayloft jump, petting zoo, horse swings, corn cradle play area and more.

How: $ 10.

Website: thebelueplace.com.

Dream Field Farms photo

Dream farms

Or: 6376 US Highway 82 to Fitzpatrick.

When: Monday to Wednesday 9 am to 2 pm; from Thursday to Saturday from 9 a.m. to 6 p.m. Sunday 1 pm-6pm; Columbus Day (October 8) 9 a.m. to 4 p.m.

Attractions: Corn maze, cow train, fishing, Tom’s famous racing pigs, bouncy village, petting zoo and more.

How: $ 12 (does not include pumpkins, which are sold by size).

Website: dreamfieldfarms.com.

Faye Whittemore Farms photo

Faye Whittemore Farms

Or: 1335 Forrester Road in Jasper.

When: Saturdays from 10 a.m. to 5 p.m. and Sundays from 1 p.m. to 5 p.m. until October.

Attractions: Pirate ship playground, petting zoo, hay maze, moonwalk, inflatable slide, face painting, concession stand and more.

How: $ 12 (pumpkins cost an additional 30 cents a pound).

Website: fayewhittemorefarms.com.

Jack O Lantern Lane picture

Jack O Lantern Lane

Or: 18151 Veterans Memorial Parkway in Lafayette.

When: Saturdays from 9 a.m. to 6 p.m. and Sundays from noon to 6 p.m. until October.

Attractions: Picnic area, grinding of cornmeal and fresh cornmeal, homemade ice cream, country store, inflatables, petting zoo, concession stand and other attractions for an additional fee.

How: $ 9 (check or cash only).

Website: jackolanternlane.com.

Photo of the big pumpkin

Large pumpkin patch

Or: 288 Highway 45 at Hayden.

When: Monday to Thursday 8 am to 4 pm; Friday and Saturday 8 am to 6 pm; Sunday 1 p.m.-6 p.m.

Attractions: Inflatables, petting zoo, pony rides, extreme bungee, hay pyramid, country store and more.

How: $ 7 weekdays, $ 9 weekends or $ 3 anytime without a pumpkin. Additional charges for some attractions.

Website: greatpumpkinpatch.com.

Image of Tuscaloosa farmyard

Tuscaloosa farmyard

Or: 11453 Turner Bridge Road in Tuscaloosa.

When: From Friday to Sunday from 10 a.m. to 6 p.m. until October.

Attractions: Pet food, milk bottle, fish and duck bread, pony rides, pet outfit, corn nursery, boat ride, fishing and more.

How: $ 15 per person.

Website: tuscaloosabarnyard.com

Image of Birmingham Zoo

Boo at the zoo

Where: Birmingham Zoo, 2630 Cahaba Road.

When: Oct 11-14 and Oct 18-31 from 5 p.m. to 9 p.m.

Attractions: Train rides, toboggan, merry-go-round, animal encounters.

How much: $ 18 for rides or $ 10 for admission.

Website: birminghamzoo.com.


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