#commonwealth savings & loan

[bejeweledblondie]

Fairytale Wedding

Captain John Price x F! Royalty Reader

Summary: a continuation of “A Knight in Shining Amor” After Y/N had recovered from her injuries she started to court Captain John Price. Even attending Trooping the Color with him. Soon a Royal proposal happened & the big wedding day is upon us

Warnings: Mention of a wedding night

Y/N had been waiting for this day ever since she was the flower girl at her Aunt Mary’s wedding. Years of preparation went into this ceremony, all the way from the tiara she was to select from her grandmother’s collection to the flowers in her bouquet. She had waited years to find a man suitable for her, then came along John. He had saved her life & she grew fond of him. Over the past year they had been courting each other & attending formal events. However behind the privacy of the palace walls it was a whole different story. She was able to see that tender side of him & he was able to see her without all the Royal protocol. He was used to seeing her in a gorgeous ballgown, or all done up but he found her most beautiful in blue jeans.

So here she stood in front of the golden gilded mirror in her bedroom. Her wedding dress had been designed custom by Christian Dior & was adorned with beautiful floral appliqués representing each of the Commonwealth countries. It had a high neck resembling Grace Kelly’s iconic wedding dress & her veil was a cathedral length. The blusher draped over her face & went down to her elbows. She looked the epitome of what a royal bride was to be. John’s niece, Evelyn was in seventh heaven & couldn’t believe that his new aunt was a duchess. When she saw her new aunt in her wedding dress her eyes lit up.

“Auntie Y/N,” Her little voice squeaked out. She turned around to see the little girl looking up at her. “You are the prettiest princess I’ve ever seen.” She bent down & hugged the little girl.

“Thank you Eve,” Y/N replied. “And I’m sure you’ll make a wonderful bridesmaid.”

Price’s sister, Katherine & her sister now the Princess of Wales Caroline came in. Both were wearing the custom pale blue gowns that had been designed for them. Katherine picked up Eve & Caroline helped Y/N with the train.

“Ready to go?” Caroline asked. Caroline had already experienced her own wedding day & knew the jitters that Y/N was experiencing. Then started to walk out of the room & into the hallway. The private photographer they had hired was already snapping candid photos. Y/N started down the staircase & saw all of the palace staff watching her. She gave a soft smile in their direction they had seen her grow up & were a vital part of her upbringing. They were of equal importance to her that she shared this day with them.

She finally reached the bottom & walked to where the carriage was parked. Katherine put Evelyn in first & then helped Y/N with her gown. Caroline was near the steps into the carriage to lend a hand to make sure she didn’t fall. Once inside & seated next to Evelyn both ladies joined them. The foot man climbed up & grabbed onto the reigns.

“You ready your highness?” He asked.

“Yes I am! Let’s go!” She replied. Evelyn was practically bouncing in her seat it was the first time she was in a carriage & was absolutely elated. The childlike wonder of her future niece made Y/N wonder what her future children will be like. Soon they were off towards the large brass & golden gates of Buckingham Palace. Screaming crowds of people from all over the world lined the streets. Y/N waved to the people & Evelyn being the social butterfly she was yelled “hello” & waved. Katherine couldn’t help but laugh at her child soaking in the royal treatment.

The sun was out & shown down on the carriage. Y/N’s tiara she had on loan from her grandmother reflected off of the sunlight creating a bright effect. It just added to the beauty of the day. Finally they pulled up to the Westminster Abbey, & her dress was able to be put on full display. Katherine, Evelyn, & Caroline all stepped out before letting Y/N out. Caroline held out an arm while Katherine held onto Y/N’s bouquet & Evelyn.

Once Y/N was out of the carriage the already cheering crowds erupted into louder cheers. Katherine handed her the bouquet & held onto Evelyn’s hand as they started to walk into the cathedral. The priest was waiting for her at the front doors. He grabbed one her hands & gave her some words of endearment to help calm her nerves. Very similar to the ones he gave to John earlier.

At the alter John stood there staring at the thousands people. His team was in the second row all smiles. Ghosh was Simon today, he had ditched his skull mask for a clean shave. Soap showed up in a kilt to represent Scotland. Gaz was there for a good time & to represent his Captain. John hadn’t been this nervous since his first mission. He hadn’t felt this way about anyone ever, she was his whole world. He knew that the moment he visited her in the hospital. The organ started up & the choir started to sing a religious hymn. The crowd stood up & watched as the religious dignitaries walked first lead by the priest.

Then his beloved niece & older sister. He smiled at her as she waved excitedly while throwing petals. It made him wonder what the future children Y/N & him would have. Soon he saw his beloved, looking absolutely ravishing. She radiated pure love & the sunlight from the Abbey’s skylight make her sparkle. Tears started to well in John’s eyes when he saw her. Finally she had reached the alter, & after handing her bouquet to Caroline he took her left hand.

“You look beautiful.” He whispered to her.

“You look handsome.” She whispered back. He really did know how to pull off a British Army Officer’s dress uniform. The ceremony was long but the both of them soaked up every minute. Once the ceremony was complete, they had started to make their way together down the aisle. He had looked over to his team & Soap gave him two thumbs up. John shook his head & chucked.

After carriage ride through the streets of cheering of crowds who wanted to get a glimpse of the newly weds they had finally reached the palace. While the guests were starting to arrive for the reception Y/N & John along with their families were in the sitting room that the main balcony is connected to. John couldn’t stop staring at his bride, she was the most of beautiful thing he had ever laid his eyes on. It was clear her inner beauty reflected outwards. She had bumped into him & he had grabbed onto her waist insuring she didn’t fall.

“Jonathan Price, that better be your sword poking me.” She giggled.

“Its definitely a sword my dear but one you’ll see later on.” He whispered back into her ear causing her to blush. It was soon time for them to grace the balcony that was looking out onto the crowds celebrating the wedding. It was customary the couples saved their kiss for the balcony with the entire royal family.

With Y/N & John in the front both families surrounded them. The crowds were screaming “kiss her” over & over again. John placed his hands at her waist & took her in for a deep kiss. The roar from the crowd was amplified once they saw them lock lips. Once they broke apart they rest their foreheads against each others.

“I love you.” She said & looked into his eyes.

“I love you more.” He said & pulled her in for another kiss.

#call of duty #ghost call of duty #john price x reader #captain john price #captain johnathan price #cod imagines #john price #cod mwii #cod mwf2 #captain price x y/n #captain price #captain price x female reader #captain john price imagine #simon riley x reader #john pr

[scifrey]

Listen.

If you've read my fics, you know that I love history. I love pageantry. I love symbolism. I love beautiful clothes, and art, and jewels. I love going behind the scenes and seeing into castles and manor houses. I love parades, and the hidden meaning behind coronations, and the fairytale unreality of the lives of the gentry.

I believe, however, that all of these things should be ARTIFACTS.

I believe there is literally no point in upholding a monarchy or commonwealth any more.

Allow commonwealth countries become republics. Allow Scotland, Northern Ireland, and Wales to return to being seperate nations if they vote to become so. Allow those republics to create their own network of mutual support, should they so choose to. There's no reason to not keep up Commonwealth ties and festivals even if there's no Commonwealth.

Repatriate artifacts, art and jewels to their nations of origin. Offer monetary compensation/support for cultures violated and impoverished by colonialism. Help establish democracies where needed, and butt the hell out where they're not. (And especially don't establish puppet democracies, ew.)

Let the British royal family become symbolic tourist attractions, let them fund their own charities, and throw their parties, and knight their artists, and uphold their royal orders of garters and baths, and maintain their personal properties--and make them do it with their own wealth and real estate investments. They're multi-billionaires. They can afford it. They'll be fine.

But remove them from the machine of governance. Detach them entirely from public spending, dependance, or influence.

And if they do participate in traditions of parliament (like the Opening, which is actually really cool and fascinating panto, which I quite like and hope they WOULD continue), man, do it without the silly hat. If the King wants to wear the silly hat, make him pay for the upkeep of the silly hat out of his own pocket. It's HIS silly hat, after all. It's not like we all get a turn with it, even though we do pay for it.

(Actually, the Crown Jewels are owned by the British Public so like... if they want to take them along when they go, make the royal family buy them. And then let them charge museums a fee to loan them for exhibition, just like privately owned paintings by famous Masters are loaned to art galleries.)

Let the royals continue to do all the things the royals do, if they want to do them. Just… make them pay for it themselves. Dissolve the Sovereign Grant, and use all that money to pay for things like restitution, repatriation, and hey maybe increasing public spending on health care and social infrastructure.

Turn the public-owned properties into, yeah, tourist attractions in part (gotta fund their upkeep somehow). But also put public offices in there. Maybe some social housing. Maybe hospitals, with well-paid front-line staff. Event spaces. Seniors care homes. Something.

If Hampton Court Palace can do it, so can Buckingham.

Balmoral and Sandringham are privately owned, there's lots of land and buildings for the family to occupy. They won't be homeless.

Keep the royal family, if the royal family wants to be kept. Include the royal family if the royal family wants to be included. Just make them pay for their own stuff with their own money. And do BETTER things with the savings.

Yes, I'm aware that this may be wishful thinking.

Yes, I'm aware that unscrupilous people may take advantage of monetary support given to commonwealth nations and keep it for themselves. (And I'm not unaware that it would happen in ALL the nations, yes, even Canada where I live. There are a LOT of currently-serving politicians who are vile, scummy, self-serving arseholes.) Yes, I'm aware that mutual support between nations of the commonwealth is all that is preventing famine or religious war in some places.

Yes, I'm aware none of this is as easy as I'm making it sound.

But I think it's time to stop celebrating and upholding centuries of brutal militaristic colonialism and the destruction and subversion of so many beautiful cultures for the sake of some tourist bucks. I especially think it's time for the public to stop PAYING for it.

I love history. I love symbolism. I love the stories of royalty and treachery and gallantry and seduction. I love the architecture of great houses, and the meaning behind golden spoons from over a thousand years ago, and the fascination of birthrights and bloodlines. I love paintings, and balls, and the gorgeous work of exceptionally talented artisans that go into making all the amazing silly hats.

I write historical romances for goshsakes.

And I also think it's time to stick it all where it belongs -- in a museum.

#Canadian #Settler #Coronation #King Charles III #Cling Fast adjecent #History nerd #fantasy

[luthienebonyx]

What a truly progressive government looks like

The man in this photo is Gough (pronounced Goff) Whitlam, the 21st prime minister of Australia. Fifty years ago, on 2 December 1972, Gough Whitlam’s Australian Labor Party won the federal election, and ushered in easily the most progressive government Australia has ever had. It was a government that truly changed Australia, and set it on the path towards being the country it is today.

Gough (he was one of those rare politicians who was widely known simply by his first name. There was truly only one Gough) was tall and imposing, with silver hair and dark eyebrows, and a booming voice that delivered his razor sharp wit. When he led the ALP to victory in 1972, the party had been out of government for 23 long years, and were determined to make a difference when at last they were back in power. As you’ve probably worked out from the glorious 1970s t-shirts in the picture, the election campaign slogan was It’s Time. It featured in a famous election ad jingle, performed by Alison McCallum and accompanied by many famous faces of the time.

After winning the 1972 election, Gough wasted no time in implementing his election promises. Not willing to wait until the final results of the election were confirmed and the full ministry could be appointed, he and his deputy, Lance Barnard, were sworn in as prime minister and deputy prime minister on 5 December. Between the two of them, they held all 27 government portfolios for two weeks until the rest of the ministry was sworn in. The duumvirate, as it was known:

ordered negotiations to establish full relations with China

ended conscription in the Vietnam War

freed the conscientious objectors who had been jailed for refusing conscription

ordered home all remaining Australian troops in Vietnam

re-opened the equal pay case (for women, who were at that time by law paid less than men for doing the same job) and appointed a woman, Elizabeth Evatt, to the Commonwealth Conciliation and Arbitration Commission, the body that made the decision

abolished sales tax on the contraceptive pill

announced major grants for the arts

appointed an interim schools commission

barred racially discriminatory sport teams from Australia, and instructed the Australian delegation at the United Nations to vote in favour of sanctions on apartheid South Africa and Rhodesia

And that was just the first two weeks.

In the three years that followed, the Whitlam government:

introduced a national universal health scheme

abolished university fees

abolished the death penalty for federal crimes

established Legal Aid

replaced God Save the Queen with Advance Australia Fair as the national anthem

replaced the British honours system with the Order of Australia

created the family court and introduced no fault divorce, the first country in the world to do so

ended the White Australia policy

introduced the racial discrimination act

advocated for Indigenous rights, including creating the Aboriginal Land Fund and the Aboriginal Loans Commission, and returned some of their traditional lands to the Gurunji people in the Northern Territory. This was the first time that any Australian government had returned land to its original custodians. Here’s a famous photograph by Mervyn Bishop of Gough pouring a handful of red earth into the hands of Gurunji leader Vincent Lingiari, ‘as a sign that this land will be in the possession of you and your children forever‘:

I’m sure there are more achievements of the Whitlam government that I’m forgetting. There were a lot.

Of course, the Whitlam government will always be seen through the lens of the way it ended, but I’m not going to talk about the constitutional crisis of 1975 - plenty of books have been written about that, including one by Gough himself - or about the various dysfunctions of the Whitlam government, particularly once the international oil crisis hit in 1973.

I just really want to point out that truly progressive governments can change their countries profoundly, and for the lasting betterment of their people. Not everything that the Whitlam government achieved withstood the assaults of the conservative government that followed it, but some did and are still with us, half a century later, while other aspects, like universal healthcare, were resurrected by the Hawke Labor government a decade later, and endure to this day.

Gough died in 2014 at the age of 98, not quite making his personal century. Tonight I’m raising a glass to his memory. Thanks, Gough, for all the things you did to make this country a better, fairer, more inclusive place.

#gough whitlam #australian politics #auspol #it's time

[heartfucksmouth]

a lot of people have been talking about how disabled people aren't allowed to marry if they are on SSDI, lest they lose their benefits and have to become their spouse's dependent and sole responsibility. there are other things that seem absurd and discriminatory, like the limits on bank account totals, never being able to save for big ticket items like a house or even a new car....

but I haven't seen a single person talk about Estate Recovery. and it happened to my parents when my sister died. she was 23, disabled (spina bifida) and had just died in a fucking apartment fire (she lived on her own in a 55+ community bc it was accomodating for her wheelchair - and because she deserved independence!), and Medicaid had the audacity to send a request to my parents that they pay back hundreds of thousands of dollars that masshealth had paid for my sister's medical needs.

sounds fake? it's not.

there's LAWS requiring they "get their money back" once the insurance client dies.

nobody tells you that having medicaid is essentially a fucking LOAN service to pay your medical needs while you are poor and disabled, and your surviving family members can get burdened with debt when you pass away.

My 2023 member handbook for Commonwealth Care Alliance (a program where they combine your Masshealth and Medicare together) has a paragraph on the first page in bold about "Estate Recovery Awareness" and I was like "holy shit this is a real and common occurrence". I really thought it was some kind of fucking fluke when they did that to my parents.

#personal #estate recovery #disability rights #disability justice #disability activism #ableism

[the-art-of-investing-in-stocks]

Banking on the ASX: An Overview of ASX Listed Banking Companies

ASX listed banking companies refer to financial institutions in Australia that are publicly traded on the Australian Securities Exchange (ASX). These companies offer a range of financial products and services, including savings accounts, loans, credit cards, and investment services. Some of the most prominent ASX listed banking companies include Commonwealth Bank, Westpac, ANZ, and National Australia Bank, among others. As publicly traded companies, their financial performance is transparent, and their stock prices are subject to market forces.

Image Source : Unsplash

#ASX Listed Bank Companies #ASX Banking Companies

[skateboardmarketing]

HEAVY METAL ICONS PANTERA ANNOUNCE 2023 NORTH AMERICAN TOUR LAMB OF GOD TO JOIN RUN AS SPECIAL GUESTS Tickets On Sale Starting Friday, Jan. 27 at 10 AM Local Time on LiveNation.com

WHO: Pantera with special guest Lamb of God

WHAT: 2023 PANTERA TOUR 

Pantera, one of the most successful and influential bands in heavy metal history, have announced their long awaited return to the stage. They will be touring North America this summer with Lamb of God as special guests.One of the most anticipated tours of 2023, this celebration tour includes original members Philip Anselmo and Rex Brown joined by Zakk Wylde (guitar) and Charlie Benante (drums). In December 2022, they kicked off the highly anticipated return in Mexico City to incredible reviews.Produced by Live Nation, the 20-city tour kicks off on Tuesday, July 28th in Burgettstown, PA at The Pavilion at Star Lake making stops in Milwaukee, Toronto, Austin, Denver, and more before wrapping up in Bristow, VA on September 15th at Jiffy Lube Live.Fans can also see Pantera at their recently announced support dates during Metallica’s North America Stadium tour dates in 2023 & 2024 and headlining major rock festivals in 2023 including Rockfest, Inkcarceration, and more.TICKETS: Tickets go on sale starting Friday, January 27th starting at 10 AM Local Time on LiveNation.com.PRESALE: Citi is the official card of the Pantera tour. 

Citi cardmembers will have access to presale tickets beginning Tuesday, January 24th at 10 AM local time until Thursday, January 26 at 10 PM local time through the Citi Entertainment program. For complete presale details visit www.citientertainment.com.

TOUR DATES:*Festival Date | #Support Act TBD | ^Pantera Support for Metallica Dates|2023 Dates

Fri May 20 – Daytona, FL – Welcome to Rockville

Thu Jul 13 – Cadott, WI – Rockfest

Sat Jul 15 – Mansfield, OH – Inkcarceration 

Jul 28 – Burgettstown, PA – The Pavilion at Star Lake 

Jul 29 – Noblesville, IN – Ruoff Music Center 

Jul 31 – Milwaukee, WI – American Family Insurance Amphitheater 

Aug 02 – Camden, NJ – Freedom Mortgage Pavilion

Fri Aug 04 – East Rutherford, NJ – MetLife Stadium

Aug 05 – Hershey, PA – Hersheypark StadiumSun 

Aug 06 – Scranton, PA – The Pavilion at Montage Mountain 

Aug 08 – Syracuse, NY – St. Joseph's Health Amphitheater at Lakeview

 Aug 09 – Darien Center, NY – Darien Lake Amphitheater

Aug 11 – Montreal, QC – Olympique Stadium 

Aug 12 – Toronto, ON – Budweiser Stage 

Aug 15 – Rogers, AR – Walmart AMP

Aug 17 – Woodlands, TX – The Cynthia Woods Mitchell Pavilion

Aug 18 – Arlington, TX – AT&T Stadium 

Aug 20 – Austin, TX – Germania Insurance Amphitheater

Aug 23 – Denver, CO – Ball Arena 

Aug 25 – Inglewood, CA – SoFi Stadium

Sat Aug 26 – Chula Vista, CA – North Island Credit Union Amphitheatre

Aug 29 – Salt Lake City, UT – USANA Amphitheatre

Aug 31 – Albuquerque, NM – Isleta Amphitheater

Sep 01 – Glendale, AZ – State Farm Stadium

Sep 03 - Pryor, OK - Rocklahoma

Sep 07 – Bangor, ME – Maine Savings Amphitheater

Sep 08 – Gilford, NH – Bank of New Hampshire Pavilion

Sep 10 – Alton, VA – Blue Ridge Rock Festival

Sep 12 – Alpharetta, GA – Ameris Bank Amphitheatre

Sep 14 – Virginia Beach, VA – Veterans United Home Loans Amphitheater

Sep 15 – Bristow, VA – Jiffy Lube Live

Sep 23 - Louisville, KY - Louder Than Life

Oct 07 - Sacramento, CA - Aftershock

Nov 03 – St. Louis, MO – The Dome at America’s Center

Nov 10 – Detroit, MI – Ford Field^2024 Dates

Aug 02 – Foxborough, MA – Gillette Stadium

Aug 09 – Chicago, IL – Soldier Field

Aug 16 – Minneapolis, MN – U.S. Bank Stadium

Aug 23 – Edmonton, AB – Commonwealth Stadium

 Aug 30 – Seattle, WA – Lumen Field

MORE INFO:Pantera got its start in Arlington, TX with its best-known lineup, consisting of founding members drummer Vinnie Paul and guitarist Dimebag Darrell, along with bassist Rex Brown and vocalist Philip Anselmo. Pantera is credited with the development and popularization of the groove metal subgenre. To date, the group has sold 20 million records worldwide and has received four Grammy nominations. www.pantera.com

#pantera panteraband livenation metalcontraband skateboardmarketing

[tkfinancegroup]

Jade Truck Loans - Prime Mover Finance

A diesel engine that powers one or more torque converters mechanically coupled to the drivers of a locomotive. Also referred to as an engine-generator set.

Prime Movers Lab invests in scientific breakthroughs that may transform billions of lives, including energy, transportation, infrastructure, manufacturing, human augmentation and agriculture. Its investments include commercial space business Momentus and fusion power companies Commonwealth Fusion Systems and Focused Energy.

Choosing a Prime Mover

Choosing the right prime mover finance provider is an important decision for anyone looking to buy a truck. It’s best to find one that understands the ins and outs of truck loans and has a long history of helping truck drivers get their vehicles.

The paper aims to fill in the gap that exists in previous works by complimenting subjectivity of the decision maker with objectivity of MCDM methods for criteria weight determination. This is achieved by applying a hybrid method of Fuzzy-BWM and Fuzzy-Entropy with Borda count rule and Copeland methods as aggregation strategies for twenty evaluation criteria and four prime movers.

A sensitivity analysis of the proposed approach is also performed by varying the compromise coefficient l. It is shown that when the decision-maker favours FuzzyBWM for ranking, the final ranking order of alternatives (prime movers) remains unchanged, however, if the decision-maker has equal preference to both weighting methods, the rankings are different.

The Benefits of Prime Mover Finance

The first movers into a market can enjoy a number of benefits such as learning, network effects and size. For example, by educating consumers on the value of their product and building brand awareness, the first entrants can reduce buyer switching costs for subsequent competitors. This can be particularly important for products with high upfront investment or intangible assets such as services.

Buying a prime mover can be a major capital expenditure for transport businesses. With new models from Freightliner, Hino and more costing $250-$300k plus, used prime movers costing less than 10 years old attracting EOFY specials and plate clearance deals and commercial hire purchase options also available, making the right financing decision is critical.

With experienced truck finance consultants, Jade Truck Loans offers a range of competitive financing facilities for prime movers. Our easy-to-use credit calculator provides operators with instant estimates to support their decision-making and help them prepare for the cost of purchasing a new or used prime mover.

Jade Truck Loans

The Jade Truck Loans team is fully accredited with all leading heavy vehicle lenders and has a range of different truck finance products available. These include Chattel Mortgage, Leasing and Operating Lease facilities. These different loan types have varying elements in regard to GST & tax benefits. Your Jade consultant will explain the differences to you in plain language to help you choose the best loan for your needs.

With a dedicated team of finance professionals, we prioritise your interests and negotiate with banks and lenders to secure a workable heavy vehicle loan deal that suits your business needs. Our clients are supported throughout the process by a knowledgeable finance broker, which helps to reduce time spent lodging multiple applications. This ultimately saves you money by reducing your interest costs. Call us today to discuss your new truck purchase.

Contact Us

If you’re ready to start your trucking journey with a printer finance solution, get in touch with Jade Truck Loans today. We’ll talk through your options and help you find the best solution for your unique situation. We pride ourselves on our strong industry connections and our proven track record of providing excellent prime mover finance solutions. Contact us online or call 1300 000 003 to have a quick chat with one of our consultants. Our application process is fast and free, so you can view rates (including 0% same-as-cash offers) in seconds without impacting your credit score. We look forward to speaking with you!

#printer finance #prime mover finance

[interest-articles]

Gov. Shapiro's Proposal to Boost Innovation in Pennsylvania's Agriculture Industry Sparks Debate

Lawmakers and Farmers Express Mixed Reactions to the Governor's $10.3 Million Grant Program

Democratic Gov. Josh Shapiro's plan to allocate $10.3 million to Pennsylvania's agriculture industry for innovation has generated a range of responses from lawmakers and farmers. The proposal aims to provide funding for better equipment, technology, and state resources to promote savings and efficiency in the sector.

While some stakeholders welcome the opportunity to enhance their businesses, others express concerns about the program's implementation and the potential distribution of funds. This article examines the details of the proposal and explores the perspectives of various industry players.

Lawmakers and Farmers Await Specifics on Funding Allocation

During legislative hearings, the state Department of Agriculture, which would oversee the grant program, indicated that it has yet to outline the specific projects that would be eligible for funding. The department plans to release further details if the proposal is included in the budget. Agriculture Secretary Russell Redding emphasized that the majority of the funding would go directly to farmers, with two new staff positions created to assist them in accessing existing conservation and innovation programs.

The proposal is part of Gov. Shapiro's larger budget plan, which allocates $599.8 million to fund the state's agriculture agency.

Challenges Facing Pennsylvania's Agriculture Industry

Pennsylvania has approximately 49,000 farms, according to the 2022 Census of Agriculture. However, the industry has seen a decrease of 4,100 farms since 2017. While agriculture remains one of the state's top industries, it confronts several challenges.

Aging veteran farmers and rising financial barriers for younger farmers, including increasing supply and equipment costs, pose significant obstacles. Additionally, the impact of climate change makes long-term planning difficult for farmers.

Complementing Existing Programs with Innovation Funding

Proponents of the innovation proposal argue that it would complement existing grant and loan programs that support agriculture research, startup costs for young farmers, and business development. The proposed funding would fill a gap by providing resources specifically dedicated to innovation. David Smith, executive director of the Pennsylvania Dairymen's Association, highlights the importance of innovation in enabling farmers to optimize their businesses.

He emphasizes that projects and equipment that enhance farm operations and reduce waste can have varying costs and resource requirements.

Skepticism and Support from Lawmakers

While some lawmakers express support for the proposed innovation program, others voice skepticism. State Sen. Elder Vogel, who chairs the Senate Agriculture and Rural Affairs Committee, believes that grants could offset costs and enhance profits for farmers. However, State Rep. Dan Moul wants more clarity on the types of efforts that would qualify for innovation funding before endorsing the program.

Moul emphasizes the need for a clear demonstration of necessity and responsible financial planning.

Differing Perspectives on Funding Allocation

The Commonwealth Foundation, a conservative think tank, opposes the innovation program, arguing that most farmers would not benefit from the funding. The foundation suggests adjusting farming-related taxes and regulations instead. State Rep. Mike Sturla, a proponent of the proposal, believes that Pennsylvania should encourage practices that boost agriculture productivity in an environmentally sound way.

Sturla trusts farmers to determine the most innovative approaches and believes that lawmakers should provide flexibility in the grant application process.

Farmers' Perspectives on Innovation and Resources

Farmers themselves have varying opinions on the proposed funding. Some, like Adam Mihalik of New Morning Farm, emphasize the importance of access to information and resources rather than large grants. Mihalik welcomes a program that helps farmers optimize their work, particularly smaller operations.

Others, like Ben Wenk of Three Springs Fruit Farm, highlight the need for resources to grow specialty crops and adapt to changes in the industry. Wenk believes that grants to increase efficiency are beneficial but stresses the importance of additional resources for long-term growth.

Governor Shapiro's proposal to allocate $10.3 million to Pennsylvania's agriculture industry for innovation has sparked both skepticism and hope among lawmakers and farmers. While the program aims to promote savings and efficiency in the sector, concerns remain regarding the distribution of funds and the clarity of qualifying projects. Proponents argue that the funding would complement existing programs and enable farmers to optimize their businesses.

However, opponents suggest alternative approaches, such as adjusting taxes and regulations. As the debate continues, the ultimate goal remains to support Pennsylvania's agriculture industry in navigating the challenges it faces and fostering sustainable growth.

[dailyfinancies1]

The Simple Steps On How To Close Your Personal Loan With CommBank

In today's financial landscape, personal loans have become an essential tool for achieving various financial goals, from consolidating debt to funding home improvements or dream vacations.

Personal loans are a versatile financial tool, offering individuals the means to address various financial needs, from consolidating debt to financing major expenses. When it comes to personal loans, Commonwealth Bank (CommBank) stands out as a trusted financial institution.

In this guide, we will explore the process of closing your personal loan with CommBank, shedding light on the steps involved and the benefits of loan closure.

What Is A Personal Loan?

A personal loan is a financial product that allows you to borrow a fixed sum of money from a bank or lender. It's typically unsecured, meaning you don't need collateral to secure the loan.

CommBank offers a range of personal loans tailored to various financial needs, giving you the flexibility to choose the one that suits you best.

Understanding Personal Loans With CommBank

CommBank, or the Commonwealth Bank of Australia, offers a diverse array of personal loans designed to cater to various financial requirements.

These loans provide customers with access to the funds they need for a multitude of purposes, such as debt consolidation, home improvements, or unexpected expenses.

CommBank personal loans come with flexible terms, competitive interest rates, and straightforward application processes.

Whether you're a customer seeking financial support or looking to better comprehend your borrowing options, CommBank's range of personal loans stands ready to assist in achieving your financial goals.

Types Of Personal Loans At CommBank

Commonwealth Bank (CommBank) offers a diverse range of personal loans to cater to various financial needs. Here's a brief overview:

Personal Unsecured Loan: This loan type doesn't require collateral. Features include fixed or variable interest rates, flexible loan terms, and the option to make extra repayments. Eligibility typically depends on your creditworthiness and income.

Secured Car Loan: Ideal for purchasing a vehicle, this loan is secured by the vehicle itself. It offers competitive interest rates and flexible repayment terms. Eligibility criteria may include proof of income and vehicle details.

Fixed Rate Personal Loan: This loan comes with a fixed interest rate for the loan term, offering predictability in loan repayments. Eligibility is often based on credit history and income.

Each of these CommBank personal loans is designed to suit specific financial needs and comes with its own unique features and eligibility criteria.

Why Should You Close Your Personal Loan?

Closing your personal loan offers several compelling advantages. Here they are:

Firstly, it grants you financial freedom by eliminating the burden of monthly payments, freeing up your cash flow for other priorities. 

Secondly, it can significantly improve your credit score as successfully paying off a loan demonstrates responsible financial behavior. A higher credit score can open doors to better financial opportunities in the future. 

Lastly, closing your personal loan means you'll be saving on interest, as you won't be accruing additional interest charges. This not only saves you money but also allows you to achieve your financial goals more efficiently.

Benefits Of Closing Your Personal Loan

Closing your personal loan comes with a multitude of benefits, including:

Financial Freedom: By paying off your loan, you free up your monthly budget from hefty repayment obligations. This newfound financial flexibility allows you to allocate your funds towards other essential expenses or savings goals.

Improved Credit Score: Successfully closing your personal loan reflects positively on your credit history. It demonstrates responsible financial behavior, potentially boosting your credit score. A higher score can grant you better access to future loans and credit at more favorable terms.

Interest Savings: Loan closure means you stop accruing interest charges. Over time, this can translate into significant savings, ensuring that you keep more of your hard-earned money in your pocket.

Reduced Financial Stress: Shedding the burden of loan payments can alleviate financial stress, providing peace of mind and reducing anxiety about meeting monthly obligations.

Enhanced Financial Security: With your loan behind you, you can focus on building a more secure financial future, whether through investments, savings, or pursuing other financial goals.

In essence, closing your personal loan isn't just a financial milestone; it's a step towards greater financial well-being, stability, and the pursuit of your financial aspirations.

The Simple Steps On How To Close Your Personal Loan With CommBank

Now, let's delve into the steps to close your personal loan with CommBank.

Step 1: Assess Your Loan Status

Before you proceed, it's essential to know the current status of your personal loan with CommBank:

 - Check your outstanding loan balance. 

- Verify if there are any penalties for early loan repayment.

Step 2: Create A Loan Repayment Plan

Create a solid repayment plan to clear your loan efficiently:

 - Calculate the total amount required to close the loan.

 - Consider your current financial situation and budget.

 - Explore different payment options, such as lump-sum payments or regular installments.

Step 3: Contact CommBank

Communication is key when closing your personal loan:

 - Reach out to CommBank's customer service through the provided contact details.

 - Inform them of your intention to close the loan and inquire about any specific instructions.

Step 4: Make The Payment

Execute your repayment plan by making the necessary payment:

 - Explore various payment methods, including online, in-branch, or phone payments.

 - Ensure the payment is accurately credited to your loan account.

Step 5: Verify Loan Closure

After making the payment, you'll want to confirm that your loan has been closed:

 - Understand the typical timeframe for loan closure.

 - Regularly monitor your bank statements to ensure the loan balance reaches zero.

Step 6: Collect Necessary Documents

Gather essential documents as proof of loan closure:

 - Documents may include a loan closure statement or letter from CommBank.

 - Maintain these records for your financial records.

Step 7: Monitor Credit Report

Continue to manage your financial health post-loan closure:

 - Monitor your credit report to ensure it accurately reflects the closed loan.

 - A positive credit history can benefit your financial future.

Additional Tips And Considerations

In this section, we'll explore some valuable additional tips and considerations to enhance your financial well-being after closing your personal loan.

Tax Implications

Consider the tax implications of closing your loan. While personal loan interest is typically not tax-deductible for individuals, loan closure might impact your tax situation.

Closing the loan means you won't have interest expenses to deduct, potentially affecting your overall tax liability. Consult a tax professional to understand the specific implications of your circumstances.

Emergency Funds

After loan closure, prioritize building an emergency fund. This financial cushion shields you from unexpected expenses.

Redirect the funds previously allocated to loan repayments into this fund, aiming to accumulate at least three to six months' worth of living expenses for financial security.

Financial Planning

Emphasize the importance of financial planning post-loan closure. Set clear goals, create a budget, and explore investment opportunities.

Consider consulting a financial advisor for tailored guidance to secure your financial future. Thoughtful planning ensures ongoing financial well-being.

The Pros And Cons Of Closing A Personal Loan With Commbank

Here are the pros and cons of closing a personal loan with CommBank:

Pros:

Financial Freedom: Paying off your personal loan with CommBank frees up your monthly budget by eliminating loan payments, giving you more control over your finances.

Improved Credit Score: Successful loan closure can positively impact your credit history, potentially boosting your credit score. This, in turn, enhances your eligibility for future credit at better terms.

Interest Savings: By closing the loan, you halt the accrual of interest charges. Over time, this can result in substantial savings, leaving more money in your pocket.

Reduced Debt Burden: Eliminating debt reduces financial stress and brings you one step closer to being debt-free.

Cons:

Loss of Tax Deductions: If you were using your personal loan interest as a tax deduction, closing the loan might mean losing out on potential tax benefits.

Opportunity Cost: The funds used to pay off the loan could potentially have been invested elsewhere for a higher return. Consider whether this is a more lucrative option.

Loss of Liquidity: Using a significant portion of your savings to pay off the loan may leave you with reduced liquidity, potentially impacting your ability to handle unexpected expenses.

While closing a personal loan with CommBank offers numerous advantages like financial freedom and improved credit, it's essential to consider potential downsides, such as lost tax deductions and the opportunity cost of using your funds for loan repayment. Make a decision that aligns with your overall financial goals and circumstances.

Conclusion

Closing your loan offers a range of substantial benefits. It ushers in financial freedom by eliminating monthly obligations, enhances your credit score through responsible repayment, and saves you money by reducing interest payments.

However, it's crucial to emphasize that responsible financial management doesn't end with loan closure.

Maintain prudent financial habits, such as budgeting, saving, and investing wisely. By continuing to make informed financial decisions, you can harness the advantages of loan closure and pave the way for a secure and prosperous financial future.

Remember, your journey toward financial well-being is ongoing, and sound financial practices will lead you to greater financial stability and success.

FAQs:

Can I close my personal loan before the end of the loan term? Yes, you can close your personal loan before the end of the term. However, be sure to check for any prepayment penalties outlined in your loan agreement.

Will closing my personal loan affect my credit score? Closing your personal loan can have a positive impact on your credit score, as it demonstrates responsible debt management.

How long does it take to receive a loan closure letter from CommBank? Typically, you should receive your loan closure letter within a few business days after making the final payment.

Is there a fee for closing my personal loan with CommBank? CommBank may charge a small fee for loan closure, but this varies depending on your loan agreement. Review your terms and conditions for details.

What should I do if there is an error on my credit report after loan closure? If you notice an error on your credit report related to your closed loan, contact CommBank and the credit reporting agency to rectify the issue promptly.

#commbank #personalloan #closeloan #prepayment #earlyrepayment #creditscore #interest #fees #repayment #documentation #process #tips

[makahimetenshi]

Falling or not - Paladin Danse x Sole Survivor Fanfic

This is the 1 part of a series of fics im writing lately, the order will be:

Falling or not?

May I use your shower?

Volver a tener algo

Addicted to Chems

Fooling around together

Traumas at the Commonwealth

Being awake

Since im in a rampage writing with this new ship I want to make some announcements

If you are very very very delighted with one fic and want a continuation I didn’t write or post you can donate me at least $5 bucks, most of this fics have next chapters I don’t finish because lack of motivation but hey a $5 is a $5, I see a few reviews and coments that fics that are abandoned months laters receive coments of wanting to know what happends next. Here it is, I finished my handling with you all, enjoy the fic

They were travelling together since Nate joined the brotherhood, and now since they were prepairing to build the teleport machine walking around all the Commonwealth was pretty normal, to the north to direct south, no things to do in the middle, a lot of walking, they could use ventibirds but that was a privilege that Maxson give sometimes to some people and Nate as miserly as he was, didnt want to abuse of that chances afraid of running low and needing it…and it was true, even Danse wasnt permitted to travel on ventibirds as much he wishd with years of service and a life dedicated as paladin, it was okay, part of their mission was also patrol the land and help other brothers in distress. Also Nate stop to help some of his Minutemens he encounter on the way, it was fine.

Both were heading to Sanctuary Hills, Nate needed some supplies and change some guns with others he had at…home…despite everything the man said that if he started to paid a loan for that rooft it didn’t matter if the bombs fall, it was still his home.

Danse didn’t have a problem, he feeled safe around Nate and getting some supplies for an specific task was a valid reason to move a little…and he needed to stop by a power armor station too, his power armor was low in state and needed the maitenence

Its been two weeks since Nate had the wonderfull idea to flirt and joke around a bit after Danse confessed his worries about being a good squat leader.

“you gave me something to think” said the paladin making the bombs fall again inside the knights brain

What the fuck, hows that of something to think what are you meaning with it? What are you gonna do with that info? He just ask if he was going to lean his shoulder over when he need it and wont disappear or die to not let him alone because he cared and Danse took it so personally and deep…

He said it joking like bros but the first flirt took him by surprise and really messed up with his head nononono this wasn’t his intention he said it chill and why it was still such a big thing for him too….

Ah…he may be falling? Just like that? Just with a little of reciprocate interest? Nate was unsure of his feelings but knowing that the paladin wasn’t closed to it…

He had…Nora…

He will always be Noras…

Why he would have interest in anyone in the Commonwealth? They were sick, dirty, mean, low intelligence….well that sound a bit racist but besides the Cobes family who the hell have a good life in this hell of time? He was nice, of course, he wouldn’t say those things, he understanded very well that no one can cahnge the situation and make it better enought, the destruction was too much to even try to make something on large time, they didn’t chose to be born in this horrible world and cant be misjudged by that but…

He didn’t want to be here neither, he was just in a crusade to save Shaun, letting himself go forward witout thinking much just until finding him and then…well no idea but he will figure out something, for his sake.

But there he was, getting all clumbsy because a man say yes to him in a not so clear way…wow…just right there he thought about how suppressed his feelings were…to not feel…to not love…

Will Danse say yes maybe to a third flirt? Should Nate stop thinking in such things? Just the possibility make his heart ache in confussion and make a mess but…it would be so bad?

Yes, it would be, Nora was still there, in Sanctuary Hills, waiting him and Shaun to return.

-Theres some people were we are going that you should meet, and I want you to be open mind and not shoot them please –Nate said to Danse, they were close walking in Concord, passing just the place where his…veterans event should have place if the bombs didn’t fall…

-What do you mean? –hell no more surprises

-Along with human citizens of the Commonwealth there is a supermutant named Strong, my handyrobot Codsworth, a raider name Cait…

-Why the hell you choose that company to leave in your hometown where theres people you want alive

-Shup up I paid Codsworh expensive with my credit card and 200 years later it was worth every penny, Strong is there because he likes to smash things and around Sanctuary Hills theres two points that often catchs raiders attention as a pottencial base, Concord, were we are walking now  and a mine no so far away.

-But theres no raiders around here –Danse looked everywhere, he see bodies, yes, bodies of raiders, bodies he cant care any less and wouldn’t even give a look to inspect more, their lifes were worthless for him, still it wasn’t a rampage of bodies like you see next to buildings in the Commonwealth.

-That’s Strong work, if he sees leather and spikes, he smashes, same with the mine, we clean and a few weeks later some other new group appears, I honestly don’t like to kill them, I try to persuade them when im with Strong to leave, but raiders doesn’t ration, they don’t get reasons, they don’t wanna negociate…so Strong smashed –even for Danse, Nate sometimes have a dark mind about the value of life for…some people…he didn’t like to kill but he had a really quick way to decide that if someone is pissing off, bullet on the brain goes- im not always around, I cannot let some random raiders take my home, as far as I investigated with Cait the ones that often comes are non organized groups, from other parts of the Commonwealth, clearly they are not getting the news about the Supermutant doing purges on Concord and the mine...so if they are not listening to reasons when im around…let Strong smash

-Arent you afraid of the supermutant loosing control or anything? They are not very sm –Nate quickly moved his head, denying.

-Strong is a smart supermutant, the first one I know besides Virgil, a poet who lives in a post here in the commonwealth try to spread a word to educate them in philosophy an lectures…it worked just on him, the rest of his mutant family imprisioned both, knewing totally what they were doing…I came in a distress help from the poet in the radio and…we killed all his supermutant family…together…just to get out of there…-Nate sounded a bit his nose, knowing that at telling his story he zooned out a bit, sometimes, he zooned out, speaking of this horrors was good for the soul, he liked having someone to talk to that would understand the situation, like first hand, it wasn’t a fantastic tale for Danse like it was for Codsworth, sometimes he tries to express his things to some other person and it sounds like fantasy, difficult to imagine and understand, so many horrible details and non real situations…but they were very real…

And Danse understand, imagine and if he doesn’t get it he really tries, he doesn’t avoid the subject, he values his experiences at least to make a lesson or an opinion…

Danse have field experience, he see things and can perceive them as possible and sometimes even normal, unlike people, human people, normal people who just try to survive everyday and work just…understanded that this things can happen…but tries to avoid them, tries to not live and suffer them, most of them just live with the filth and the poberty, but try to avoid the danger.

Nate cant do that, he was always on the mouth of danger, at least until he find Shaun…

-Have you ever do another thing with the supermutant? Other that doesn’t involve killing or the promise of killing –even if there was always the promise of killing in every corner of the wasterlands….

It wasn’t like Danse was trowing mean vibes or wanted to discuss the man but you can keep a low intelligence individual by promising things that will offer instant gratification and it will obey as long it last…

-He does other chores, yes, sometimes the residents ask him help or I send him to other settlements –Danse noded a hmmmmmm pretty surprised-So he is one of the things I will ask you to not be mean at, Strong saved my life a lot of times, supermutand and all but he is a good partner

What a definition of good partner was that, Danse smiled, he could get jelous

-Tell me about the other two…

-Well Codsworth is a handyrobot I bought as a surprise gift for Nora when she was pregnant at home with Shaun,  I was away still on service so I wanted to…make my presence…Codsworth was the first face I see at exiting vault 111…it was a relief to see him at home but…it was all an illusion, nothing was right –Nate was talking with a shady voice again, it was hard for him to talk about the prewar most of the times…-I know in the brotherhood we are not fond of robots, since I didn’t see many on service or helpers, but Codsworth is my robot and he has an awesome personality, so please, be nice, don’t shoot, hell be respectfull with you –Danse noded, again not convinced but oh well it was just a robot…

-Then a rider? Any other surprise?

-Well not for today…as I know, I haven’t been here in three weeks…Her name is Cait, I found her in the combatzone and we had…such a strange encounter…-the paladin raise an eyebrow- I have to confess, if you wanted to shoot someone, but please do not, it would be her…she is…strange…

-What kind of strange are you talking about? A smart supermutant is strange to me

-She is always making weird sexual jokes and mocking at me…and she gets mad fast, really low tempered…we travel a few times to do some works and I didn’t like the vibes…so I gave her a house and a nice place to stay…

-That doesn’t sound smart from you, what if she is violent?

-Theres Preston and Sturges around, also Codsworth has a really nice knifes –didn’t he said he was only a handyrobot?- I think she is just weird, I cant give her a psycologist but at least good conditions to rest and chill…as I said we worked together a few times and we have each other back so…consider it a payback if she is still there…the last four times I was here she was staying, doing things around up and there for the settlement and the neightbords…so…she is a help, I just don’t like being around, you know, people some times have or not chemistry with other people

-Things can happened –said Danse, resting a bit of importance, despite the supermutant it wasn’t that bad, just a misbehaved asshole, nothing he didn’t handle before

-We are close, don’t stop by red rocket, we have our own power armor station in Sanctuary –Nate said at looking at the big red rocket at the distance, it was a very nice reference to find his hometown, Danse nodded next to him and in a few minutes they were crossing the bridge to Sanctuary, hands up.

It was strange coming up home with your hands up? It surely is but Sturge set up those torrets at the entrance to do that exact thing, it you are hands up you may not be necessary pacific but at least you cant shoot at no one, it was also a safe code for all the people that lived here that they were part of the community and not outsiders, outsiders are obliged to raise their hands and come in peace and they…just do it for practicity.

-Looks who is back –a woman voice emerged from behind a scrapped wooden door, passing trought running Dogmeat appear, jumping directly to Nates arms to hug, and lick, and jump and play around him at how happy it was.

Danse liked dogs, he liked seeing Dogmeat too, he never had a dog before but they were wonderfull creatures and the way his tail moved from happiness at seeing Nate was cute, it makes his heart happy to see that.

-Its that the way to receive the general? –Nate was on the floor caressing and playing with Dogmeat, grabbing his nose and pocking it .

-Are you going to say anything to Preston?

-I can, im the general –Danse looked at them talking…it wasn’t that bad…

-You were away from a long time!

-Well the castle is pretty far away from here…

-You know who is going to have a blast now you are here? Longfellow! I don’t know why that old gag gets so happy around you

-Because he uses every special ocation as an excuse to drinks

-Touche, lets get in

So this was the raider Cait? She wasn’t that bad.

-Well be staying here for a few days

-Who is your friend? Another one you recluted for Sanctuary?

-No, he already has a home, his name is Paladin Danse –Nate pointed at him and Danse saluted politely, the redhead came a step closer to him and took a look from toes to head.

She was cute, cute factions, cute face, very delicate.

-Theres nothing like the smell of power armor grease and testosterone –she said, making Danse smile at how occurent that comment was.

-The aroma is rather…pungent…

Nate, who was in the middle of them became…STILL…FROZEN…

Nononononononono were they flirting? Nonono he didn’t ask for that nooooo hes been daydreaming with the paladin and he make the mistake to introduce him to a hot chick he said he didn’t like…

Calm calm down…he said some nasty things he doesn’t have to like her…

That last one stay on Nates mind as he walked inside the settlement, letting them talk not wanting to be there anymore…

And what if he does? Danse wasn’t his...and he was Noras…

What a terrible mistake! He should go to another settlement! He didn’t have it clear with his own feelings to now feel bad about…loosing? Danse but…what was he loosing? He didn’t do…No…he did…but no enough. If he chooses the cute girl…well he didn’t have a chance neither in his sleep!

Oh this was bad bad bad, just a few hours ago he was wondering about that time he flirted twice with Danse asking himself if it was okay to take it to seriously and now…he enter in panic because he get jelous at the minimum interaction with someonelse suresuresure he was okay about Haylen because DANSE ITSELF said she was just a member of his squad but oh my he never thought in third parties…

He looked back, and at seeing them still talking in front of the door his hands went to his hair, taking a big sight before accelerating his steps.

-Come on boy, lets talk to Preston –he called to Dogmeat and walk away from the scene, he didn’t wanna see that anymore, cant deal with it

Danse do as Nate told him, move around, use the facilities, talk to people and feel comfortable, because why the hell not, if he invited the man to the Prydwen where all his family, reputation and life was why he cant be around his hometown? So he did, he eat some because everybody knows that Nates friend are everybodys friend and are fucking kinda obligued to be nice apparently, use the power armor station, take a look at Nate collection of power armors…

What a waste…so many scattered around the Commonwealth, repaired and everything but out of use because Nate wont find himself comfortable inside one…and because he had the power fist or GRA or something he didn’t paid to much attention…

-So you are relying on the supermutant help only? –Danse was trying to be nice, not be despitefull as he smashed some aluminium to repair his power armor chest.

-I know what you are trying to do, so im going to be patient to you –Sturges approatched him while he was repairing some turrents that went down the other day- we are still here okay?

Yeahyeahyeahyeah of course not everycorner of the Commonwealth was militarized like the Prydwen and that didn’t make them shitholes…but they were…but he cant say it because people gets offended…I mean Nate shared those thoughts but never said them loud, in fact apparently they get along because the man have high standars that right now the Prydwen have less or more to satisfy, like hot showers. Of course, high standars for him and all the habitants of the wastelands, for Nate it was basic lifestyle before the bombs fell, but right now they were highstandars, if you let the man talk he was so hatefull of life in the wastelands in general…

He had reasons tho, he understanded and was able to imagine  despite being unable to do anything about it, imagine living in one word and waking up in another totally different…

And then see your wife getting shot and kill.

And your baby kidnapped.

Nate was a hard man, difficult to understand, luckily, for him it didn’t turn out so harsh to do.

-Yes, theres Preston, you, Longfellow, Cait…some other settlers...

-Some Minutemens that often come by, we may rely a lot on Strong but we are thought too

-I don’t doubt it but neither of you have military training and the equipment you have here is…

-We scrap as much we can, this are the resources the Commonwealth  gives us, the general helps a lot too –Danse slurpred some saliva, better talk carefull around a man who respect his superior.

-Most of you all don’t know how to shoot a different type of gun, you are not gunners or an organized group

-Well we haven’t been here for a lot of time neither, it takes a lot of work to build practically from 0 with your bare hands, Preston and his old team were the ones that help us to not die when out home was attacked by gunners, now that you mention it

Danse take a breath, he wasn’t handling well the conversation.

-Im just saying that you may want all to learn some training about shooting and avoiding, not rely on the help of a supermutant

-Strong is a good fella –not like Sturges was denying his point but he will stand for the creature that was keeping their home safe.

-How can you trust that his damaged brain by the VEF will always stay like this? One day he could lost the reason and…

-We trust –Sturges said, looking back at him –We have a way to trust him, don’t expect you to understand –how could he explain a foranger that Mama Murphy told him that everything will be right with the supermutant? That she has visions that are always alright? That she wants to be constantly drugged to have that visions? It didn’t sound right to explain to an outsider, no matter how much of a friend of the general he was

Danse didn’t feel comfortable, didn’t understand the way of people who didn’t use the reason and possibilities…when there was danger in everycorner, everybody should be more carefull.

-You need to finish the wall on the river right? –Sanctuary had fences in process to be finished all around the old neighborhood

-What about i?

-Why didn’t you fence the water area?

-Oh Nate didn’t want to cut around the water, he preffer to expand that leaving the river out, I said that doing that we may have the river increasing one day in a rain and have a problem but he said that the fences we made may not be enough to seal the waters, not hermetic enough, that we need to find concrete to make real walls, dig very very down the earth to really seal…I suggested that the gunners have those kind of walls for strategic and shooting points so the proyect of finishing the fence is delayed until we figure out whats best, if stealing a camp of runners or finding a place with that much concret and cement…which I believe is difficult, is a short resource, its really a treasure to find a bag of concrete ready to make so his idea has a really difficult execution…like I said, delayed

Rest of the afternoon he repaired his power armor and went to take a bath of…cold water…they have a purified water machine so at least it wasn’t radioactive but it wasn’t a pleasant bath and the nights at the Commonwealth were cold, at least they managed to make clean beds and sheets, cleaner than in the Prydwen even.

He didn’t saw Nate until night, he was talking to the old gag Longfellow, just talking, in the settlement they all eat together in an oriel they put at the street so first, they don’t waste much wood, they don’t make much lights or smoke, they can count properly the quantity of food used each day for inventory purposes.

If they are eating in the street they can keep an eye everywhere and not be exposed to a surprise attack while they were enjoing the evening, poor? Sure, efficient? Well…not so much…the best thing they can do with the little amount of people they have? At least give them that credit to have…

The night fall, Danse see the supermutant for the first time walking around Sanctuary, according to what Cait said to him he went nearby the settlement. It was huge, and it reminded him of Cuttler, his old friend…the ticking on his hand to grab his laser rifle and shoot him were huge but…he wouldn’t do it, he was ask to not, people trusted that thing and he had no right to…impose the brotherhoods ideals…

Then he saw Nate, talking chill in a table full of diverse people, sharing a meal.

He may be dissobeing the brotherhood by letting that evening happen, by letting that supermutant alive just because a vault man ask him…

Lets just say he was in a Minuteman territory and preffer to obey and take in consideration their rules on their land to not cause a diplomatic problem…yes…that could work…after all the Commonwealth wasn’t the Brotherhood territory…there were here just to help and fight the institute…

He was getting soft around that man.

The next day Nate expend the morning in bed, rolling around looking at the open ceiling. Yes, he was tired, again it was a long trip, yes, he deserved the rest, yes, everybody will understand if he expend the day on bed and not ask him if he was sick or hurt or in pain or anything…he gave Preston the command to please not be disturbed…

His mind keep thinking about yesterday…nononono what did he do…he cant force the man to like him, he wasn’t even sure if that’s what he wanted but definetly he didn’t want to loose a chance! Even a small chance…

Why was his brain doing that to him…only a few interactions and a pinch of jelousy made him terrible unsure if he wanted to forget about the man or marry him…

It was even okay to have this kind of feelings? To let himself grow a feeling? Love was a necessary human feeling, and the Commonwealth since he wake up wasn’t a place for sentimental creatures but…to be loved and cared…Kellogg took away that possibility when Nora was shoot in front of him…he missed it…he missed her…god he was a mess..

But Danse…he didn’t plan to die on his arms and let him alone, he find him to be a good partner with experience in fighting and surviving…it was a worry less wich is a lot, of course, he worried, he cared,  but how different it was to be serene around someone you know it wouldn’t die so easy that someone you don’t know…or don’t trust on his habilities…or know his lack of habilities. He needed that calm over his shoulders to move forward in this hostile word…He needed someone strong, not to rely, but at least to trust they were going to be okay.

Ah…he may be falling? Yes yes yes hell yes he was…he falled…completely unsustented but he falled…

He wanted Danse, but there wasn’t a how or when…it just have to develop…

A heavy feeling pressed on Nates chest, making difficult to breathe even completely relaxed in his bed looking at the ceiling, this had happen before.

He sighted and went up the bed to dress, he knew how to deal with this.

Afternoon, Danse was looking for Nate not because he had a reason but its been 24 since they separated and…well it wasn’t his home he didn’t feel completely comfortable in a place he didn’t know with a people he didn’t actually like…Looked everywhere, the place wasn’t that big, looked in everysingle house, even being uncomfortable around…

There was a woman this time at the entrance of Sanctuary, Dogmeat was with her, she had a rifle and apparently was patrolling at the gate.

-Hello –Danse called, she watched at him-do you know if the general come out? –he wouldt leave him…

-He is still around here, Preston tells me when we are waiting for someone familiar, despite the minutemans –Danse saluted and went back, ok, Preston was the second in command so it was a good idea to ask him.

The man was inside the house he claimed as his, even if he made guards and watchs frequently around.

-Welcome to my place –said Preston, it make Danse a bit unconfortable they keep the illusion of doors…and windows living in a place where everything was open with a lot of leaks and seethroughts…

-Oh actually I was just looking for Nate, figured out I can ask you –Preston hold the door a moment, since he wasn’t coming inside.

-Sorry, the general isn’t avalible right now –Danse raised an eyebrow, ok he didn’t expect that

-What do you mean?

-That the general is not receiving visits right now –no kidding

-Did anything happened…? –bussy Nate? Here? The only reason he could be off is only if he was jacking off but he wasn’t on his house

-The general doesn’t need to give explaitions –so we are getting like this? My god

-There are less than 20 people here do you really wanna do this

-Do you have full access to your superiors whenever you want back there in the Brotherhood or…-touche, still, he had a secret card to play

-You know is not a good idea to leave Nate alone right? –this time, Preston raise an eyebrow

-Because…?

-Of his chems addiction…-the man went to press his forehead with his fingers, sighting. That surprised Danse, he didn’t know that the thing about chems was something he let the others know…but pretty much anyone worked with him so at some point it becomes noticeable

-I thought we were past this…-cool, this was cool, his secret card was basically “don’t you know the general has a problem with chems? We shouldn’t let him alone!” or…”He is lately having a lot of that problems of you know…chems…” it was a bit of testing to see which one fitted right but you can play with people knowledge or ignorance, in any case neither wanted Nate dead by his own stupid addiction…saving people from their stupid acts often unites interest.

-Yeah I noticed while we were camping…he uses two or three dosis at day whenever he thinks he is alone…

-Look im not supposed to tell you where the general is

-Its okay, whenever he is I can act all surprised like…oh you were here? I don’t know I was just exploring…to no say it was you…

-Yeah he is gonna know, when you arrive there you will get why

-Then why don’t you go?

-He was pretty clear about not wanting to be disturbed

-Clearly a chems problem

-I cant discuss what my general want to do on his spare time

-But you know he has a chems problem

-What do you want me to do? Follow him like I was his boyfriend? –Danse close his lips, he was right, but still, wanted to find the man. Preston sighted looking up, tired, he didn’t know this man well, the fact it came with Nate didn’t mean anything to him, he didn’t want to put in danger his general neither by letting him alone and vulnerable…there…-ill go just right behind you, don’t try anything weird

Danse didn’t know what that mean but okay, Preston went inside the house a moment and came back with two baseball bats

-Are we going far?

-Less than 200mts, but we are never sure when the croaches end down there, you know those fuckers bite hard

Danse didn’t know what to expect, but he followed Preston lead.

Getting inside a vault from the main door was…weird…pretty uncommon in fact, most of the times a situation like this appeared he was chased by some monsters but this vault was…abandoned but in a pretty good state actually.

-Why are you keeping an operational vault? Where does the energy comes from…

-Shhhhhh we are not being prescisely quiet! –Preston didn’t want to be here, if Nate asked him for some time he will but at the same time didn’t want the man killing himself on grieve and overdose…-listen up! Im just right behind you! Don’t try anything weird on the general!

Ok Preston was here because he didn’t trust, Danse can respect that, he was taking care of his superior, both were but Preston didn’t have any obligation to trust him and it was okay, they didn’t know each other and he didn’t have much intentions of knowing him either…

An operational, abandoned, energized and uncontaminated vault…what a gem…

Nate have a lot of excepcional secrets and things to discover really.

Unlike what everybody was thinking, Nate actually wasn’t doing drugs.

Didn’t feel like it. Not in the mood, not wanting.

Preston was the only one that know where to find him when he wanted to be isolated, hell just be right here…sometimes when he is overwhelmed this is the only places where he wants to stay in the entire world.

In front of Noras frozen body.

Hell just sit right in front of her, looking at her dead face…she didn’t even die in her sleep like everyone around, she died in pain with a bullet as the cryo chamber closed again, pausing in time her face full of pain…

Life drifted away from her.

Nate sobbed, looking at her

-Im…feeling lost again Nora…-a monologue, it was a monologue, always a monologue, never ever a response from her-still looking for Shaun like I promised you but…I feel like whenever Im lost have to come back at you –he was in this exact position all the afternoon, looking at her, trying to talk, to look for some advice or calm- it has only been months, awfull months but do you think I deserve…im allowed…might feel love for someonelse? –he laughted at himself, he didn’t know if he was in love or if he needed in his persona again a strong feeling like love to keep him carry on,  did he wanted someone or did he wanted the motivation that love gives you everyday? He bited on his lip, didn’t know-you are still here, and you always be, never think on something elsebut…its difficult to stop this feelings from growing and you know how that turned for us so…-Nate laughted low, taking a bit mouth of air-i don’t know if its possible in this world to ever be happy again…but I know I want to love again, to at least feel love…

Walk inside a clean, untouched, empty but in a good state vault was such an experience…Preston was leading the way but at somepoint he stopped, looking back at him, the man apparently know well the place.

-You heard that? That’s the general, whatever you need to tell him do it, but don’t tell him I bring you here...-Danse nooded, looking at the direction the bat of the man was ponting, it was true, there was a human voice- ill be around but not on sight, remember, don’t do anything weird or youll regret it-Danse couldn’t physically feel that as a menace since he was so much a better fighter than him but okay, he dindt plan on hurting Nate either, so he went forward, letting the man behind.

When he enter to the room he saw Nate sitting on the floor, looking down, there was no chems or alcohol around…he was just there…sitting…the man looked at him a bit confused.

-How did you get here? –Danse was about to answer, looking around –Did Preston tell you anything?

-No –he said firmly, not wanting to be a jackass to the man who was supposly watching them-nono I came here on my own –apparently Nate has been crying, his eyes were all big and irritated

-Yeah right, Preston is the only one that knows this place, I wonder if im really a general here sometimes –the paladin looked around, there was a lot of cryo pods around and the one Nate was in front of…oh god…

-I was just worried, haven’t see you in all day and you didn’t left Sanctuary neither, I went to look for you –where all this people Nates neightbords from before the bombs fell?

-This is incredible I cant fucking ask some time for myself this is a terrible lack of respect…-Ok Danse get it, he was mad, interrupted on his grieve, he looked down, embarrassed, after all it was true he didn’t have a real reason to be bothering him, he was in right to disappear for a while if he needed.

-Im sorry, but believe me it wasn’t Preston, I came here by my own –Nate rolled his eyes and put a hand on his face- I just wanted to check if you were okay –clearly he wasn’t, but not for the reasons he thought…

Nate was mad, really angry, being disturbed in this place…his body was shaking and he had such urges to get up and smash anything…being molested while Nora was there watching him…

She isn’t really there.

-I don’t need anybodys help! Im not in danger and have for far much more experience being alone that neither of you! –Danse was surprised when the man get up and approatched him, very angered, that’s it he couldn’t let this pass as a paladin and a commander officer, he had to step on and put his best mean face to gain some authority back.

-Preston is not here! I told you! I tought you were in danger and came down here…

-You are the ones in danger here! –out of nothing and completely paralyzing the paladin Nate took out a laser pistol…his heart stopped for a moment, he never even dreamed with the man poiting a gun at him and yet…this was wrong…and he…couldn’t just fight back the knight…never thought on the possibility…less with a baseball bat…-You two have no chances down here with me, go and put those sticks onto your assholes! Im fully armor to the teeth…as I always have to be! Everymoment! –the paladin wanted to react, really react, protocol and everything he was told say that this was insubordination, that menacing an officer deserved a punishment, that this wasn’t something easy to pass but…he saw the faces of all the people on the cryo pods around and them see him, crying, yelling, trembling…

Danse sighted, not moving his eyes from him, raising his hands to let him now he wasn’t a menace

-Take as long as you need soldier-said slurping saliva-Im leaving, hoping to see you for dinner

-Just fucking leave me alone

The paladin never expect this…episode…from his knight…

Danse walked all ashamed and…frightened…to the entrance…just like they walk in how he will walk back…Preston was right, he shouldn’t try to stick his nose that deep…He meet the man at the entrance,  had a sad face on, clearly heard the conversation…

-Im really sorry general, take all the time you need –said Preston as he pushed the botons to get out

-Hell have to came out eventually right? –his body still tremble at the memory of the man pointing at him, yelling…

-As far as I know, he can lock himself in the vault forever and its his right to do so…-he was gratefull that the brotherhood man  really keep his word and didn’t snicht on him, even if their intentions were good…he knew this was delicate for Nate…this was a sacred place for him.

The paladin bite his tongue, he pushed his limits this time.

This was a lesson, he learned bad way to respect the boundaries, ways and rules outside the brotherhood. Not because a place was poor executed they were less than him…you are nothing while vulnerable and the disavtange of having a baseball bat vs a real gun…really make his  spine shiver and hands tremble…

Never underestimate Nate again…deep down he knows that the knight wont shoot him but…it was scary to imagine a bullet on the head shoot by him…

The memory of the woman in the cryo pod came to his mind again.

This was a place for laments, pain, and sorrow. After all Danse cant imagine being sealed in a tomb like this for eternity.

https://www.fanfiction.net/s/14237736/1/Falling-or-not

#fallout 4 #paladin danse #paladin danse x sole survivor #fallout 4 fanfic #makahimefanfic

[bestcommercialfishingpermits]

All Vessel Documentation Needed For Commercial Fishing

Fishing vessels have been setting sail for as long as recorded history to bring back fish for consumption or exchange, making fishing one of the earliest occupations. Throughout history, societies have evolved to the point where commercial fishing is now subject to a variety of rules and regulations meant to standardize and control the industry. Nowadays, the United States Coast Guard (USCG) and the NVDC have strict regulations that commercial fishing vessels in the country must follow. Keep reading to learn all about how to easily obtain such permits.

Commercial Fishing Regulation by the USCG and the NVDC The National Vessel Documentation Center (NVDC), along with the USCG, is in charge of managing these federal documents. These agencies currently handle the documentation for approximately 225,000 different vessels. This might sound like a lot, but because they add billions of dollars to the economy every year, commercial fishing operations are an extremely important sector of the United States economy and thus are required to be tightly regulated.

In the same way that owners have a responsibility to ensure that their vessel is fitted with the appropriate gear to operate safely, they also have a responsibility to ensure that they possess all of the required commercial vessel documentation in order to operate their boats in accordance with the law.

In What Situation Does This Documentation Apply? Documentation through the United States Coast Guard is required for any and all vessels that meet the following criteria: to weigh at least 5 net tons, be owned in their entirety by a U.S. citizen, and most importantly, participate in fishing activities or coastwise trade. In particular, they are needed for fishing or trade that happens in U.S. waters or in the Exclusive Economic Zone, which is also called the EEZ.

The EEZ The Exclusive Economic Zone of the United States extends out to a distance of 200 nautical miles from the baseline of the territorial sea, and it encompasses the waters off of Guam, the Commonwealth of the Northern Mariana Islands, American Samoa, the United States Virgin Islands, and Puerto Rico.

The only types of vessels that are exempt from this regulation are those that are not operated on navigable waters or EEZ fisheries, such as rivers, lakes, internal waters, or canals. Because of this, the Great Lakes in the Mid-Atlantic region are not included.

The Advantages of Adhering to the Rules and Regulations To begin with, getting your commercial fishing vessel properly documented can save you money on taxes. This is because some states give vessels that are documented through the USCG a more favorable tax status. One additional monetary advantage is that it is much simpler to obtain a loan in order to have your vessel financed with less hassle.

Aside from the financial benefits, there are also general practical benefits. For example, if you have the right federal paperwork with you, it will be much easier to get around in international waters. Some boats can go through the waters of neighboring states without having to get extra registration, but the rules for doing so vary from place to place.

What Are the Required Documents? It is important to note that, even if you’re missing just one of these documents, you won’t be allowed to launch your vessel into the water. Fortunately, the list of documents that are necessary for each vessel is relatively short. The first document is a certificate given out by the Coast Guard. This certificate is only good for one year after it was issued, and it needs to be renewed on a regular basis.

The second one refers mostly to any documents that pertain to the activities and transactions involving the vessel. Such documents include, but are not limited to, a bill of sale, a claim or lien, a vessel mortgage, or a transfer of interest. These documents can be used to verify the acquisition and ownership of the vessel and that it was obtained through the appropriate channels, whereas certification from the USCG proves that the vessel can legally be taken onto the water.

Last but not least, the commercial fishing industry is consistently ranked as a very dangerous area of work in the United States. Because of this, owners are required to have specific safety gear and equipment available at all times, in addition to these essential legal documents. This includes the following but is not limited to fire extinguishers, distress beacons, and personal flotation devices.

H3

Should there be any documents that need to be notarized before they can be submitted to the USCG, they must be notarized by either the U.S. Notary or a U.S. Consulate notary service. Documents that need to be notarized can only be used in the United States, but documents that need an apostille can be used when traveling abroad.

These documents need to be kept on the vessel at all times. There is a possibility for owners to make copies of them or request duplicates in the event that the original is misplaced, stolen, or damaged.

Never Allow Yourself to Be Caught Unprepared. Keeping track of all the necessary documentation for your commercial fishing vessel can be a real pain. There are a lot of forms and documents that need to be routinely renewed or brought up to date, and it can be difficult to keep track of all of these.

The Commercial Fishing Permits Center not only provides you with immediate access to those forms so that you can easily complete and submit them, but we are also available to assist you with any questions that you might have regarding the application process. If you need assistance with any of the forms, you can speak to a member of our staff by calling [phone]. They will be able to guide you through each form in a step-by-step manner.

[petnews2day]

Well Home Loans now offers what might be Australia’s lowest home loan rate

New Post has been published on https://petnews2day.com/pet-industry-news/pet-financial-news/well-home-loans-now-offers-what-might-be-australias-lowest-home-loan-rate/

Well Home Loans now offers what might be Australia’s lowest home loan rate

The online lender has cut rates on its Well Balanced mortgage for owner-occupiers.

The two-year fixed rate has been slashed to 2.74% p.a. (comparison rate 2.96% p.a.) while the three-year fixed rate has also been reduced to 2.74% p.a. (comparison rate 2.94% p.a.).

Those could be the lowest fixed home loan rates in the country, beating Greater Bank’s fixed rate of 2.79% p.a. (at the time of writing).

Buying a home or looking to refinance? The table below features home loans with some of the lowest interest rates on the market for owner occupiers.

Lender

4.60%p.a. 4.96%p.a. $2,051 Variable $0 $520 80% More details UNLIMITED REDRAWS 4.54%p.a. 4.54%p.a. $2,036 Variable $0 $0 60% More details 100% FULL OFFSET ACCOUNTNO APPLICATION FEE OR ONGOING FEES 4.04%p.a. 3.96%p.a. $1,919 Variable $0 $0 80% More details FEATUREDREFINANCE ONLY

A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.

A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.

4.49%p.a. 4.51%p.a. $2,024 Variable $250 $250 60% More details FEATUREDAN EASY DIGITAL APPLICATION

$4,000 to $6,000 cashback available

Requires minimum ‘new lending” of $250k & $1M+ and a LVR of 80% or less

Purchase or refinance an eligible home loan. Apply by 28/02/23. Settle by 30/04/23

Exclusions and T&Cs Apply for all cashback offers

4.63%p.a. 5.05%p.a. $2,058 Variable $0 $520 90% More details FEATURED

Low rate home loan with added benefits, add offset for 0.10%

Save thousands & make an environmentally conscious choice on your loan for homes less than 12 months old

Get a 7.0 star NatHERS rating or higher for up to 1.59% discount on your variable rate home loan T&Cs apply

Low rate home loan with added benefits, add offset for 0.10%

Save thousands & make an environmentally conscious choice on your loan for homes less than 12 months old

Get a 7.0 star NatHERS rating or higher for up to 1.59% discount on your variable rate home loan T&Cs apply

Advertisement

Variable Rate Home Loan – Refinance Only

Monthly repayments:$1,919

4.04%Advertised Rate (p.a.)

3.96%Comparison Rate*

Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to be made on variables as selected and input by the user. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. All products will list the LVR with the product and rate which are clearly published on the product provider’s website. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates correct as of November 10, 2022. View disclaimer.

Despite the Reserve Bank opting to keep the cash rate steady at its most recent meeting, that hasn’t stopped lenders from cutting their home loan rates.

With more RBA rate cuts expected to come, these are likely not the last cuts to home loan interest rates we can expect to see.

ME Bank home loan rate cuts

ME Bank has hopped on board the bandwagon, trimming rates on its fixed and variable home loans for investors and owner-occupiers, effective from today.

The discounts are only available for new customers and the $395 package fee still applies.

The bank’s Flexible Home Loan with Member Package will now have a variable rate of 3.29% p.a. (comparison rate 3.73% p.a.) which the lender has said is its “most competitive advertised variable rate ever”.

That rate is only on offer for owner-occupiers paying principal and interest with an LVR of 80% or lower and a loan amount of $700k or more.

Owner-occupiers borrowing $400k making principal and interest repayments with an LVR between 80% and 90% can enjoy a variable rate of 3.57% p.a. (comparison rate 4.00% p.a.).

Fixed-rate borrowers haven’t been left out either. New customers can score three-year fixed rates from 3.48% p.a. across its investment loans (comparison rates differ).

Investors making principal and interest repayments with an LVR of 90% or below can enjoy a fixed rate of 3.48% p.a. (comparison rate 4.25% p.a.).

If you’re an investor making interest-only repayments with an LVR of 80% or under, a fixed rate of 3.69% p.a. will now apply to your loan (comparison rate 4.18% p.a.).

Heritage Bank home loan rate cuts

Heritage Bank has joined in on the action, cutting rates on its fixed home loans for owner-occupiers by up to 0.30%, effective from today for new customers only.

The bank’s Home Advantage loan will now have a fixed rate of up to 3.49% p.a. (comparison rates differ).

The two-year fixed rate has been cut to 3.09% p.a. (comparison rate 3.72% p.a.) while the three-year fixed rate has been cut to a competitive 2.99% p.a. (comparison rate 3.67% p.a.). The five-year fixed rate has been trimmed to 3.49% p.a. (comparison rate 3.81% p.a.).

Disclaimers

The entire market was not considered in selecting the above products. Rather, a cut-down portion of the market has been considered. Some providers’ products may not be available in all states. To be considered, the product and rate must be clearly published on the product provider’s web site. Savings.com.au, yourmortgage.com.au, yourinvestmentpropertymag.com.au, and Performance Drive are part of the Savings Media group. In the interests of full disclosure, the Savings Media Group are associated with the Firstmac Group. To read about how Savings Media Group manages potential conflicts of interest, along with how we get paid, please visit the web site links at the bottom of this page.

#Pet Financial News

[melbournenewsvine]

The best frequent flyer credit cards that can save your travel plans

The Amplify Signature – Qantas Option Card, from St George Bank, Bank of Melbourne and Bank SA, holds 90,000 points offered. Its annual fee is $279 and its rate is 19.49 percent. loading Then rounding off the top five is the American Express Qantas Ultimate Card. You get an additional 75,000 points for an annual fee of $450 and an interest rate of 20.74 percent. But note that, like the frequent flyer programs themselves, there is a lot of fine print for frequent flyer cards. For example, the American Express Qantas Ultimate Card includes $450 in Qantas travel credits annually, eliminating the annual fee entirely. Usually, all bonus points are also calculated for a certain spend within a certain time frame. Of course, your choice should not be due to prior incentives. Most frequent flyer cards are item deals, so make sure you’re happy because it’s the real best deal. To help determine this, Canstar has developed a bonus net return calculation, which specifies that the American Express Qantas Ultimate Card comes first. This is despite the high annual fees and interest rate – great evidence of why these cards can be difficult to choose at first glance. As providers compete fiercely for business, many frequent flyer rewards cards offer very high points for converting new customers.attributed to him:Peter Brigg The dollar value of Amex Card rewards and free add-ons, minus potential interest and fees over 12 months, brings in for a typical user $667.69. That’s nearly $60 higher than its nearest competitor. However, its closest competitors are also AMEX cards. In second place is the Velocity Platinum card with a net return of $608.24, followed by the Explorer credit card, with a net return of $555.60. The other interesting thing about these three cards is that they each have a relatively low credit limit for the rewards card: $3,000. Jumping to the minimum credit of $6000, we have the second highest net return: $500.76 from ANZ Travel & Adventure Rewards Card. Its annual fee also doesn’t set you back much at just $120. Next best value for money is the Premier World MasterCard from HSBC – Qantas’ Choice. The net rewards are $492.56 but you need to be prepared to take on a credit limit of $10,000 (remember that access to credit is restricted for the loan at present). Rounding out the Canstar Choices is the Ultimate Awards – Commonwealth Bank’s Rewards Option with a net bonus return of $487.53. Again, you must pay $420 in annual fees, even though the minimum credit is only $6000. An absolute smart strategy, if you have a home loan, is to put your paycheck into a balancing account along with that loan and use a high-score frequent flyer credit card for all your expenses. You just transfer money from your offset account to the card when it’s time to pay your monthly bill, using the bank’s money to save you a lot of loan interest and your pride in the single cheap vacation too. The advice provided in this article is general in nature and is not intended to influence readers’ decisions about investment or financial products. They should always seek their own professional advice that takes into account their personal circumstances before making any financial decisions. Nicole Pedersen-McKinnon is the author of How to Get Mortgage-Free Like Me. Follow Nicole on Facebook, Twitter or Instagram. Source link Originally published at Melbourne News Vine

#Melbourne News Vine

[interestrateuk]

Bank profits soar on the back of rate rises while consumers struggle

New Post has been published on https://interestrate.co.uk/bank-profits-soar-on-the-back-of-rate-rises-while-consumers-struggle/

Bank profits soar on the back of rate rises while consumers struggle

As Australian consumers struggle financially due to interest rate hikes, data has shown that banks are raking in profits. According to reports, the country’s big four banks will make billions due to the rate hikes seen over recent months. Meanwhile, many homeowners face increasing difficulties in keeping on top of rising mortgage repayments.

Australia’s big four, Commonwealth Bank (CBA), Westpac, NAB, and ANZ, are expected to enjoy combined annual cash profits of $28.4 billion this financial year. This results from hiked interest rates increasing the income they make from loans. One bank has already released its year-end report, with others set to follow.

CBA sees cash flow increase by 11%

CBA released its year-end figures several months ago, showing that its cash flow was already up by 11%. Over the past 12 months, the bank enjoyed profits of $9.6 billion. The other three leading banks have not yet released their full-year profit figures, but estimates put their combined earnings at around $18.8 billion.

According to estimates, NAB will see profits of around $7.1 billion, while ANZ could hit earnings of $6.3 billion and Westpac $5.4 billion. The fact that borrowing rates are rising much faster than savings and deposit rates means that banks are benefitting hugely.

Speaking to News.com.au, AMP economist Dr. Shane Oliver said: “In a rising interest rate environment, deposit rates are going up at a slower rate than mortgage rates.”

He added that the property boom across the country, which ended earlier in the year, had also had an impact on profits made by the leading banks. However, he admitted this situation was not likely to be ongoing.

Dr. Oliver said: “That’s not necessarily going to last; there’s a bit of a lag there at the moment. The risk is that the banks will slow down like other parts of the economy as interest rates rise, especially if economic activity declines, unemployment rises, or we go into recession.” 

Interest rate hikes set to continue

The situation for borrowers is already dire, with many unsure how they will make repayments on their mortgages due to rapidly rising interest rates. In another blow, finance experts said they believe that interest rates will continue to rise as the central bank battles to bring inflation under control. This means even more mortgage misery for borrowers and could lead to even bigger bank profits.

Oliver said some of the profits made by the banks might be used to assist borrowers who fall into serious financial difficulties but that banks were almost certainly likely to continue hiking their rates in line with the RBA.

#news

[the-art-of-investing-in-stocks]

ASX CBA: A Leading Financial Institution in Australia and the Asia-Pacific Region

The Commonwealth Bank of Australia (CBA) is one of the largest banks in Australia and a leading financial institution in the Asia-Pacific region. Founded in 1911, it has grown to become a major player in the Australian banking industry, with a market capitalization of over AUD 150 billion as of 2021. The bank is also listed on the Australian Securities Exchange (ASX CBA) under the ticker symbol CBA.

History of the Commonwealth Bank of Australia

The Commonwealth Bank of Australia (ASX:CBA) was established in 1911 as a government-owned bank with the mandate to provide banking services to all Australians, including those who were previously underserved by traditional banks. Over the years, the bank has gone through various transformations, including becoming a public company in 1991 and being fully privatised in 1996.

Today, the Commonwealth Bank of Australia is one of the "big four" banks in Australia, alongside ANZ, Westpac, and National Australia Bank (NAB). It has a network of over 1,000 branches and agencies across Australia and a significant presence in New Zealand, Asia, and the United Kingdom.

Business operations and financial performance

The Commonwealth Bank of Australia provides a wide range of banking and financial services to individuals, businesses, and institutional clients. Its main business areas include retail banking, business and institutional banking, and wealth management.

In retail banking, the Commonwealth Bank of Australia offers a range of products and services, including personal loans, home loans, credit cards, and savings accounts. The bank's business and institutional banking division provides services such as corporate finance, trade finance, and transaction banking to businesses and institutions. In wealth management, the bank offers services such as financial planning, investment management, and insurance.

Over the years, the Commonwealth Bank of Australia has consistently delivered strong financial results, with a solid track record of profitability and dividend payments to shareholders. In 2020, the bank reported a net profit of AUD 9.6 billion, down 11% from the previous year due to the impact of the COVID-19 pandemic. Despite the challenging economic environment, the bank maintained its dividend payout and announced a final dividend of AUD 0.98 per share.

ASX CBA Stock Performance

The Commonwealth Bank of Australia is one of the most widely held stocks on the ASX, with a large number of retail and institutional investors owning shares in the company. Over the years, the stock has delivered strong returns to investors, with a long-term track record of capital appreciation and dividend payments.

As of May 2023, the CBA stock is trading at around AUD 120 per share, with a market capitalization of over AUD 150 billion. The stock has a dividend yield of around 4%, making it an attractive option for income-seeking investors. The bank's solid financial performance and strong market position have also made it a popular choice for growth investors looking for exposure to the Australian banking sector.

Conclusion

The Commonwealth Bank of Australia is a leading financial institution in Australia and a key player in the Asia-Pacific region. With a long history of providing banking services to Australians and a solid track record of financial performance, the bank has become a popular choice for investors seeking exposure to the Australian banking sector. While the bank faces challenges from changing market conditions and technological disruptions, its strong market position and diversified business model should continue to support its long-term success.

#ASX CBA #ASX CBA Share Price #ASX CBA Share Price News #ASX CBA Stocks News

[sounmashnews]

[ad_1] Three of the key banks have made adjustments to their rates of interest after the Reserve Bank of Australia elevated the official money charge by 0.50 per cent to 2.35 per cent.The Commonwealth Bank of Australia stated it might enhance its residence mortgage variable rates of interest by 0.50 per cent from September 16.Changes will apply to all variable merchandise, together with all work in progress functions.“We know that there is a lot of change happening for our customers right now, and supporting them through this time is a priority for us,” retail banking companies group government Angus Sullivan stated.“We have a range of tools and other support measures to help our customers manage their home loan repayment, including our new home loan change repayment tool, which helps our customers to synchronise their mortgage repayments with the day they are paid.”CBA may even enhance the rates of interest throughout a few of its financial savings merchandise.GoalSaver with bonus rate of interest will enhance by 0.60 per cent to 2.10 per cent.Youthsaver with bonus rate of interest may even enhance by 0.60 per cent to 2.30 per cent.CBA’s 18-month time period deposit particular supply of three per cent may even be prolonged.Some time period deposit rates of interest will enhance by as much as 0.75 per cent from Monday.“One of the things we are doing to help our customers better manage any pressures to their household budget associated with the rising cost of living is lifting the rates across a number of our deposit products,” Mr Sullivan stated.CBA can be extending its four-year fastened charge particular of 4.99 per cent for proprietor occupiers paying principal and curiosity with a house mortgage package deal.The three-year curiosity solely funding residence mortgage fastened package deal charge of 5.49 per cent can be being prolonged.ANZ says it should enhance its variable rates of interest by 0.50 per cent from September 16.“We understand the cost of living and changing rate environment is impacting customers in different ways and our experienced teams are here to help our customers understand what these changes mean for them,” ANZ group government Australia retail Maile Carnegie stated.“We have a number of tools available to support our customers understand these changes, including our new home loan repayment calculator and our free home loan check-in.“While many of our customers remain in a strong position, we encourage any customer who may be facing difficulties to reach out to our experienced teams as soon as they can to discuss additional personalised support.”The change will enhance month-to-month repayments by $125 on a variable residence mortgage of $450,000 for an proprietor occupier paying principal and curiosity. NAB’s normal variable residence mortgage rate of interest may even enhance by 0.50 per cent from September 16.Group government for private banking Rachel Slade stated anybody with questions or considerations ought to contact their financial institution.“An early conversation with your bank is so important to staying on track financially,” Ms Slade stated.“When customers speak to our NAB Assist team early, we see that 90 per cent of our customers are back on their feet within 90 days.”Read associated matters:Commonwealth BankReserve Bank [ad_2] Source link