On the run for Cystic Fibrosis Ireland

first_imgShannon Airport braced for a devastating blow Twitter Nora Kelly, Christine Deloughery and Trish Kelly.Cystic Fibrosis Ireland depends on voluntary fundraising and public donations for 95 percent of its services, the mini-marathon is one of its biggest annual fundraising endeavours. In taking part in the event, these ladies had just one goal in mind; raising €100,000 for CF services, including support for dedicated CF staff in hospitals, patient support grants in areas such as transplant assessment and fertility treatment, and research.Getting her running shoes on this year for Cystic Fibrosis Ireland was campaign ambassador and TV3 Red Rock actress Róisín O’Donovan. For Róisín, taking part in the mini-marathon, and in particular to support the cystic fibrosis cause, was rather special“There is something unique about the atmosphere at the women’s mini marathon, and being a part of the biggest all-women’s event of its kind in the world. For me, what makes it so special is joining in a purple sea of women who are doing this not for themselves, not for personal achievement, but for others. For people with cystic fibrosis, life is tough enough.”Sign up for the weekly Limerick Post newsletter Sign Up Print Previous articleMagic and mischief at CurraghchaseNext articleGer’s spirit continues to soar at home and away Cian Reinhardthttp://www.limerickpost.ieJournalist & Digital Media Coordinator. Covering human interest and social issues as well as creating digital content to accompany news stories. [email protected] Advertisement Facebook Email Vicky calls for right to die with dignity Limerick on Covid watch list WhatsApp RELATED ARTICLESMORE FROM AUTHOR NewsOn the run for Cystic Fibrosis IrelandBy Cian Reinhardt – June 15, 2017 1263 Linkedin Nora Kelly, Christine Deloughery and Trish Kelly.MORE than 600 women, including participants from County Limerick, hit the ground running on the June bank holiday for Cystic Fibrosis Ireland in this year’s VHI Women’s Mini-Marathon. Many of the runners would have had personal reasons for taking part as Ireland has the highest prevalence and some of the most severe types of CF in the world with more than 1,200 men, women and children living with CF in Ireland. Population of Mid West region increased by more than 3,000 in past year TAGSCystic FibrosisCystic Fibrosis IrelandFundraiserNewsrun Local backlash over Aer Lingus threat Unstoppable Sean shows that all things are possiblelast_img read more

Scouting Schools

first_imgTwo insect scouting schools, hosted by University of Georgia Cooperative Extension in June, will introduce new scouts to insect monitoring and serve as a review for experienced scouts and farmers.One of the scouting schools will be held on Monday, June 11, at the UGA Tifton Campus Conference Center. The second school will be held on Tuesday, June 19, at the Southeast Georgia Research and Education Center in Midville, Georgia. Both events will run from 9 a.m. to 12:30 p.m.This year’s scouting schools will cover insect pests in row crops like cotton, peanuts and soybeans. Attendees will learn identifying information about pests and the damage they inflict on crops, natural enemies, different scouting procedures, and safety in the field. The schools will conclude with an in-field review.“Scouting remains our best defense against insect pests. If our growers can recognize certain insects and the damage they cause, they’ll be better prepared to make the appropriate treatments before it’s too late,” said Phillip Roberts, UGA Extension entomologist. “Scouting schools serve as great sources of this type of information for our growers.”The event is free. For more information about the scouting school in Tifton, contact Debbie Rutland at 229-386-3424. For more information about the scouting school in Midville, contact Peyton Sapp at 706-554-2119.last_img read more

Moratorium on loans – We have investigated how many banks can meet the tourism sector?

first_imgTo its clients, including natural persons engaged in tourism, who have so far duly settled their obligations, but whose income and business are affected by the current circumstances related to the coronavirus epidemic or the aftermath of the Zagreb earthquake, Erste Bank allows deferred repayment of credit obligations in lasting from three to a maximum of six months, with an expiration date of no later than 1.10.2020. During the period of delay, clients do not pay their annuities, and only regular interest is charged, which is due together with the last annuity and can be paid once or in agreement with the bank, using some other options. There is no charge for the change per loan, and taking into account the fact that the notarial fee in these circumstances is a significant item for citizens, the cost of solemnization for loans where this is required is fully borne by Erste Bank. However, the situation with the Covid19 epidemic has hit the tourism sector the hardest, and what was unthinkable until recently happened – that tourism has literally stopped globally. And thus logically stopped, both current and future income of entrepreneurs in tourism. For business entities, assistance measures relate to vulnerable activities affected by the COVID-19 pandemic, and clients whose business relies on these activities. To apply for any assistance measure, the client should document the effects of the COVID-19 pandemic on business. Business entities in PBZ can apply for three Measures: The demands and expectations of the entire tourism sector, which is currently without income, are an understanding of the current situation, and they expect the same from their partners. Of course, even banks cannot forgive debts and operate without income, and mutual understanding is certainly needed for this extraordinary situation, which no one could have foreseen. Erste Bank bears the cost of solemnization Zagrebačka banka Measure 2. liquidity preservation loans (new funds for working capital with a maturity of up to 6 years) And OTP banka without additional costs of verification of the annex to the Loan Agreement Of the nearly 9000 loans for which a deferral request has been filed so far, less than 100 relate to tourism loans. Reasons for requesting a deferral of repayment may be: temporarily reduced or suspended salary by the employer, loss of employment, decline in income with craftsmen, decrease in other income (eg from renting, etc.). When it comes to clients who belong to business entities by segmentation, OTP banka started receiving applications for assistance measures through the FINA application at the beginning of April, and in direct contact with its business advisors, clients started plans for the best business solution for the current situation. regardless of whether they are from the tourism or some other economic sector. In order to maintain business continuity and preserve jobs in the Republic of Croatia, including the tourism sector, Hrvatska poštanska banka enables the contracting of assistance measures to its clients whose business is affected by the coronavirus pandemic, including clients dealing with tourism. All clients whose financial situation has been seriously damaged or who have been left without a regular income, they personally or a member of their household can apply for a moratorium. As of April 1, OTP banka dd used an online application on its website to enable the registration of its clients without the need to come to the branch and without the additional costs of verifying the annex to the Loan Agreement. The only obligation of the clients is to sign the annex to the Loan Agreement after the settlement of the current situation, when the conditions for that are met. To use the loan repayment deferral, citizens need to sign up at the bank’s website, on which it was developed online form which needs to be filled out. The form will need to be accompanied by appropriate evidence showing that the epidemic and / or earthquake has worsened their financial situation, in the form of a reduction in income, job loss or, for example, damage caused by the earthquake. Documentation which can be attached as evidence is shown along with an online form, along with a list of frequently asked questions and answers. Upon receipt of the request, the bank will review the submitted documentation and contact customers with instructions on further steps. Regular interest is charged but not charged. Upon the expiration of the deferral, the interest repayment is not attributed to the principal but is allocated to the remaining loan term, and the corresponding part of the interest matures together with the regular annuity / installment after the expiration of the deferral. No regular interest is charged on the allocated interest in the remaining repayment period. In addition to the stated deferral of repayment on loans, the Bank provided to the users current account overdrafts, maintaining the existing overdraft amount regardless of the change in income for the next 6 months. It should be added that the loan repayment is delayed in PBZ  free of charge and at no cost of solemnizing the addendum to the contract.  The process of approving the loan repayment deferral to all eligible clients, as they point out from PBZ, is simple and automated, and the online form of the Request for deferral of loan repayment to citizens is available on the Bank’s website. In addition to the online request for deferral of repayment, the request can also be submitted at the Bank’s branches. This refers to annuities maturing in the period from April 1 to June 30, 2020. Clients can submit a moratorium request online or by mail by June 30, 2020. During the moratorium period, clients pay neither principal nor interest on the loan. 1. Deferred repayment (moratorium) and possible debt rescheduling for eligible clients. The duration of the moratorium depends on the client’s activity, ie the degree of influence of the circumstances related to the COVID-19 epidemic on the client’s overall business and on his expected ability to recover. The possibility of debt rescheduling may be subject to the provisions of the credit / guarantee program on the basis of which the loan was initially approved and the approvals of third parties (eg HBOR, etc.). During the moratorium, the Bank will not charge or charge default interest rates or fees of any kind on loans for which a moratorium has been approved. Sberbank provided for all types of loans, including tourism, a three-month deferral of repayment or a moratorium on loans to clients who were in good repayment, with an extension of the loan repayment period by three months. All received customer requests are processed as soon as possible, and for more detailed information, customers can directly contact their business relationship manager at HPB or visit the website www.hpb.hr Raiffeisen Bank creates a program and special measures for the tourism industry Also, according to pre-agreed eligibility conditions and insurance costs, the Bank will independently decide on loans that will be included in the loan portfolio provided by HBOR up to 50 percent of the principal amount, regular contractual interest, intercalary and pending interest. The secured portfolio under this program may include new liquidity loans with a grace period of up to one year and a repayment period of up to five years. Upon expiration of the three-month moratorium, the Bank will allocate the unpaid accrued interest during the moratorium to the remaining annuities until the end of the loan repayment. The final loan repayment date will be extended by a three-month moratorium. If the deferral of repayment refers to annuities maturing after June 30, 2020, it is necessary to follow the news on the Bank’s official website www.sberbank.hr which also contains all the necessary information on the deferral of payment of financial obligations, as well as the Request for a three-month moratorium. Zagrebačka banka will assess the individual situation of each of our clients, always act in the best interest of all and act correctly in relation to all our stakeholders. Zagrebačka banka points out that the health and well-being of their employees and clients are their main priorities and adds that the Bank has prepared a comprehensive package of measures to support consumers and businesses affected by the COVID-19 epidemic in order to continue helping and supporting their clients during this period of instability. 2. Liquidity credit lines in cooperation with competent state agencies and development banks accompanied by guarantee schemes and other risk coverage. HPB will limit the limits on tacit overdrafts of current accounts of clients keep at the same amounts So let’s go in order:   OTP banka accepts applications for moratoriums on all types of loans for citizens, which include our tourist loans. At this point, citizens can opt for a moratorium lasting 3 or 6 months. During the moratorium, regular interest is calculated, which is paid after the expiration of the moratorium, evenly distributed over the remaining annuities. If the client does not like the future monthly annuity to be increased, he can keep it at the level of the previous one, by agreeing to extend the loan payment for the duration of the moratorium or up to a maximum of 12 months.center_img To all credit users (citizens / consumers), whose loans are in regular repayment and whose financial situation has deteriorated due to reduction or complete loss of income due to the consequences of the COVID-19 pandemic, PBZ Bank will allow deferral of payment of loan principal and related interest and overdue loan obligations not paid until approval requests for deferral of repayment of loan obligations. Deferment of repayment will be allowed for a period of three months, with the automatic possibility of extension for an additional three months. Measure 1. deferral of loan payment (or moratorium), deferral of payment of loan installments and interest for 6 months, in the period of deferred repayment of interest is calculated but not charged, the agreed interest rate does not change, there is no fee for processing the request. In addition to the above, PBZ also allows for the extension of overdrafts and revolving for 3 months. The Bank will suspend all forced collection measures (for citizens and businesses) in the forthcoming period and will instruct clients with repayment difficulties to use the offered deferred payment measures. Currently, it is small and medium-sized enterprises in tourism that are most affected. The pre-season has failed, and the question is when and how many tourist activities will be in the main tourist “peak”, and these same entrepreneurs do not have large or any financial reserves to survive until next year. Measure 3. reprogram credit (additional facilitation of repayment of existing long-term loans). Sberbank – the final loan repayment date will be extended for a three-month moratorium As every year, various micro, small and medium-sized entrepreneurs in tourism are financially committed to investing in raising quality (arranging accommodation, catering facilities, building swimming pools, new tourist facilities) in order to have new added value in the new tourist season. Our inquiry was answered by six banks that offer or are preparing to offer a loan repayment deferral. Although the conditions in all banks are very similar, there are certain differences that should help borrowers. More information on these measures can be found at: https://www.zaba.hr/home/posebne-mjere-potpore-za-klijente-potrosace-i-poslovne-subjekte In order to further meet its customers, HPB will keep the limits on tacit overdrafts of current accounts of customers at the same amounts and those customers whose overdrafts would expire or be terminated in the next three months, stopped sending reminders in the next three months and stopped charging default. interest to all clients on loans from April 1 to June 30, 2020. HPB provides its clients – business entities, including those engaged in tourism, with a moratorium on the repayment of total credit indebtedness without payment of principal and interest, as well as the rescheduling of credit indebtedness. These measures are approved for a minimum period of three months from the contracting, and the right to implementation can be exercised by business entities that were in order to settle obligations to the Bank on 31.12.2019. and those whose operations have already been affected (realized decline in revenues in March 2020 compared to March 2019) or will be affected by the coronavirus pandemic (expected revenues for 2020, including emerging circumstances, are lower than planned revenues for 2020).Additionally, in order to facilitate the repayment of financial liabilities of business clients, the Bank in the period from 1.04. to 30.06.2020. does not calculate default interest on credit-guarantee and payment-turnover products of all clients. PBZ banka retains the existing overdraft amounts regardless of the change in income Submission of Requests for business entities is enabled through internet banking through an automated processing process, in which case the processing can be completed within 24 hours. Requests submitted via email are processed within 2-3 days if the client has completed all the information required in the Request. The application is made on the FINA on-line portal for all three Measures, and for the Measure of deferral of loan payment, the Application must be submitted directly to the Bank. The process of submitting a Payment Deferral Request is fully supported by our online communication channels. From Raiffeisen Bank, whose pandemic mitigation measures you can read more about at this connectors, addressed us with a short statement which we transmit in full: The moratorium on loans is a current topic and is still the subject of numerous inquiries. It is necessary to submit documentation that can support the reason for requesting a postponement: employer’s confirmation or a copy of the salary statement or review of account turnover or JOPPD form showing visible reduction of income, termination of employment contract or confirmation from the stock exchange, decision on temporary closure, a document by which the employer announces a reduction in income due to the current situation, etc. And that is exactly why we decided to investigate how much banks in Croatia are ready to meet the needs of their loan users. More details on PBZ assistance measures for citizens are on the links. Private landlords, as well as all other clients of Zagrebačka banka, can exercise the right to a moratorium under Covid19 conditions. Of course, no one could have expected such a situation, so everyone made plans and financial projections, based on the security and growth of tourism in Croatia, where we have a record tourist season from year to year. Small businesses can apply for one of the two measures offered: Measures to help facilitate the repayment of financial obligations are intended for clients – individuals, users of tourist loans and subsidized loans by the Ministry of Tourism in cooperation with HBOR. The Bank enables the extension of the loan repayment period with a reduction of monthly annuities, a moratorium on repayment of the loan principal with monthly interest payment, whereby clients are granted an adequate extension of the agreed repayment period and a moratorium on repayment of total debt with interest expiration. At the moment of the beginning of the implementation of the measure, we will timely inform our clients of the tourist business through our official channels. More detailed information is available at websites Additionally, Zagrebačka banka and HBOR concluded yesterday, April 28 Export Liquidity Loan Portfolio Insurance Agreement – COVID – 19. This agreement is made possible faster and easier approval of new loans to preserve the liquidity of exporters.Using HBOR’s insurance, the Bank will, based on its own criteria and business policies, approve new liquidity loans to clients in various industries, including the tourism sector, which generate at least 20 percent of export revenues.  At Raiffeisen Bank, we are aware that the COVID-19 pandemic has had significant consequences for the tourism sector as well. That is why we are currently working intensively on creating programs and special measures that will be aimed precisely and exclusively at the tourism industry with the aim of facilitating business and providing support to all clients operating in the tourism sector. Conclusion Finally, it is important to point out that for new loans to the tourism sector, it should certainly be taken into account that it would be ideal for loans with a grace period of at least 12 months, ie until the spring of 2021 when the tourism market is expected to reactivate. realistically, the tourism sector will only then receive a certain cash flow, so that they can repay their financial obligations.last_img read more

Guardiola Demands Yaya Toure Apology, Agent Refuses

first_img“Unless Mr Dimitri Seluk comes back to the press or to his friends in the media –- because he hasn’t the courage to call me, he goes to the media –- and apologises to Manchester City first of all, then his teammates and afterwards the trainer.“When that happens, Yaya will be part of the group and he will have the chance to play.”Toure has recovered from a migraine that made him unavailable for Saturday’s 4-0 Premier League win over Bournemouth, but he will not be considered for today’s League Cup tie at Swansea City.Seluk had said: “If he (Guardiola) wins the Champions League for City this season, then I will travel to England and I will say on television that Pep Guardiola is the best manager in the world.“But if City don’t win the Champions League, then I hope that Pep has got the balls to say that he was wrong to humiliate a great player like Yaya.”In response to Guardiola’s remarks, Seluk said he would only apologise if the City manager said sorry to both his predecessor Manuel Pellegrini and outcast goalkeeper Joe Hart.“I will apologise to Guardiola if he will apologise to Pellegrini for what he did to him,” Seluk told Sky Sports News.“If you are a gentleman, this just does not happen. He signed a new contract last year then he gets pushed out for Guardiola to come in. Pellegrini was a gentleman.“Guardiola also needs to apologise to Joe Hart. It’s not right to come to England and then get rid of a few English players.“Guardiola wants a new future for Yaya, for Hart, and they won’t be the last.”Toure, who is in the final year of his contract at the Etihad Stadium, has featured just once for City since Guardiola’s arrival.He played the full 90 minutes of their Champions League play-off second-leg victory over Steaua Bucharest in August.Guardiola added: “I cannot accept as a coach that every agent, when his player doesn’t play, goes to the media and speaks.“I know how much Dimitri Seluk loves Yaya Toure. If he loves him, show me by apologising to Manchester City for what he said in the papers.”Guardiola said that, as a player at Barcelona in the early 1990s, he would never have dared to allow his agent to speak out against Dutch legend Johan Cruyff, then the club’s manager.“I cannot imagine in my day when a player’s agent would go to the media and speak against Johan Cruyff,” he said.“Maybe it’s the new era, but I’m from the old generation, and an old-generation agent has to make his players his job and the coach his job.“Today agents believe they are more than they are. If you have a problem, we can talk. Until he speaks, Yaya isn’t going to play.”Toure has been at City since 2010 and has won two Premier League titles, two League Cups and one FA Cup during that time.While Toure will play no part at Swansea, captain Vincent Kompany could return, having not played since April after undergoing groin and thigh surgery.Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegram Yaya Toure will not play again for Manchester City until the player’s camp apologises for comments made by his agent, manager Pep Guardiola vowed yesterday.Dimitri Seluk accused the City manager of “humiliating” Toure, 33, by leaving him out of the club’s Champions League squad at the start of this month.The Ivorian midfielder, who announced his retirement from international duty yesterday, has not figured in a single City match-day squad since then.“The day after that, his agent spoke and in that moment, Yaya is out,” Guardiola told a press conference.last_img read more

The advantages of betting online in India

first_imgAdvertisement thNBA Finals | Brooklyn VsawWingsuit rodeo📽Sindre Exxm6( IG: @_aubreyfisher @imraino ) uj9pWould you ever consider trying this?😱n2rCan your students do this? 🌚b29Roller skating! 8slpSee more on YT⬇️⬇️⬇️See morefcrBody tricks that only special people can do pt-1v02u9How though? 🤔😂#AdrenalineJunkiesb7w74A visualization of how Karma works 9y542pPowered by Firework The traditional way of betting is slowly going obsolete. People are more and more open to the idea of betting on games online. Online bookies have had a massive breakthrough a few years ago and their popularity just keeps rising. Advertisement This new type of betting is taking over the world as millions of people open the bookie sites and apps each day, rather than going on-site. We wanted to elaborate a few reasons as to why online bookies are so popular these days and why people are favouring them over the land-based ones. We’re also going to give you our top pick as the best online bookie on the Indian market. bet365 – The Best Bookie Site in IndiaAs you may know, thousands of online bookies offer their services to the people. But, not all of them are worth a visit. Some of them offer bad odds, while some operate without a license and they are most likely scam sites.Advertisement That’s why it’s important to choose a legitimate bookie that has obtained a license to operate and also cares for its clients. One of them is bet365. This sportsbook has established itself as one of the best on the planet due to its excellent service and availability. The fact that this is one of the most legitimate online bookies that cares for its customers is why we chose it as our top pick. You can learn more about it if you read this review of bet365 Indian site. The review contains all the information you need.Now that we’ve stated why bet365 is our pick, let’s check out some of the general advantages and features that make online bookies so loved.Advertisement AvailabilityOne of the biggest advantages that online bookies have over the land-based sportsbooks, as well as one of their best features, is their availability. Their services are at your disposal 24/7, 365 days per year. You can reach them at any time and place. Because things happen fast in the world of sports, acting fast and placing bets on time is important and that is exactly what you can do, considering the fact that online bookies are accessible from your home. Online bookies’ sites are optimized for both mobile and desktop use, while some of them even went as far as making apps as a way to be accessed with ease. More Options and Better OddsThese sites also offer much more betting options for the players, have better payout percentages and excellent odds. Sometimes they even go as far as offering you early profits by giving up on the rest of the games of your slip. That way, you get to earn money while minimizing the risk.Because football games are set to return in the next few weeks and some leagues are extremely entertaining, having more betting options is a huge advantage. Tracking Games is EasyEach league and game is just a few clicks or taps away. Like we mentioned earlier, online bookies’ sites are optimized for both mobile and desktop games and their layout is simple. It’s adapted so that people of all ages can navigate easily and place bets fast. Some sites even offer live streaming so you can play your bets live in the midst of all the action.Secure SitesLastly, we wanted to mention that these sites are extremely safe. Bookies have invested a lot of money into their security, which is why the odds of theft or scam are low. They have artificial intelligence that is extremely effective and efficient. All of your private data (like your card details) is safely hidden and there’s no need for you to worry. Advertisementlast_img read more