Credit Limit – Sznurki http://www.sznurki.net/ Tue, 22 Nov 2022 20:00:13 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://www.sznurki.net/wp-content/uploads/2021/04/sznurki-icon-150x150.png Credit Limit – Sznurki http://www.sznurki.net/ 32 32 Average personal loan rates: November 22, 2022 https://www.sznurki.net/average-personal-loan-rates-november-22-2022/ Tue, 22 Nov 2022 20:00:13 +0000 https://www.sznurki.net/average-personal-loan-rates-november-22-2022/

Insider experts choose the best products and services to help you make informed decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.

This week’s rates are up across the board. The overall average rate increased, as well as the low average rate and the high rate.

Personal loans have been on an upward trend for quite some time now. The Federal Reserve raised the federal funds rate six times in 2022 in an attempt to control soaring inflation. Higher rates mean higher borrowing costs for personal loans.

You can get a personal loan for many reasons. A majority of borrowers use them for debt consolidation. Other popular uses of silver include financing a home improvement projectpay a medical bill and cover general household expenses.

Average Personal Loan Rates

We have compiled a database of 28 personal loan products and averages their rates so you know the current landscape. The higher your credit score, the more likely you are to qualify for a better rate. Rates are up slightly from last week and are overall very high.

The lowest rate of the companies we track is tied between light stream, Wells Fargo, American Express, Reach and have a minimum APR of 5.99%. The highest rate comes from NetCredit personal loanswhich has a maximum APR of 99.99%.

The actual rate you will receive depends on your creditworthiness and other aspects of your financial situation. Check your rates with the lenders you are interested in to see what you qualify for.

Average personal loan rates by credit score

These rates are based on data from 147 borrowers who applied for loans and received rates.

Average loan amount and term length by credit score

These loan amounts and terms are based on data from 147 borrowers who applied for loans and received rates.

Percentage of Borrowers by Lending Purpose

These lending goals are based on data from 152 borrowers who applied for loans and received rates. A borrower used funds from a loan to pay his education costs this week.

Frequently Asked Questions

Yes, your credit score has a significant impact on your rate. Generally, the higher your credit score, the better rate you will get.

Different lenders require different minimum credit scores for borrowers to qualify for a personal loan. Some lenders have no minimums, while others only offer low rates to borrowers with excellent credit histories.

You can use a personal loan for almost any purpose you can think of, although it depends on the lender. Some common uses include:

Not all available reasons are listed here, and you should contact your individual lender to ask what choices they offer.

Personal loans are not for everyone. It can sometimes be difficult to qualify, with strict credit score requirements. Personal loans can also carry high interest rates, which could mean there are better options.

For larger purchases that don’t fit within a credit limit, a personal loan might be the right option. It’s worth calculating the interest you’ll pay and carefully considering options like a secured loan to lower the interest rate.

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Help is available | Shepparton News https://www.sznurki.net/help-is-available-shepparton-news/ Sun, 13 Nov 2022 23:19:46 +0000 https://www.sznurki.net/help-is-available-shepparton-news/ Australia’s most recognizable brands are some of the 20 ABA members, including the Big Four banks, iconic regional banks and international banks with Australian banking licenses.

An ABA spokesman said member banks had “very experienced difficulty teams”.

“The hardship teams have worked with families who have experienced flooding before and have a range of very practical measures to help people through those experiences,” the spokesperson said.

“ABA member banks offer a range of measures to help customers affected by natural disasters.

“The message from the banks is clear: don’t worry about it alone. Call your bank as soon as you can, they are ready to help you.

“Unfortunately for many, a natural disaster can turn into a financial disaster and customers are encouraged to speak to their bank as soon as they can and inquire about the help that may be available to help them through this difficult time. .”

Depending on individual circumstances, assistance may include:

● deferral of scheduled repayments on home, personal and certain business loans for up to three months;

● elimination of fees and charges, including for early access to term deposits;

● consolidation of debts to facilitate the management of repayments;

● restructure existing loans without the usual set-up costs;

● provide additional funding to help cover cash shortages;

● defer future credit card payments; Where

● increase in the emergency credit limit.

Customers can contact their bank by phone or via their bank’s website if they are unable to physically reach a branch.

ABA works with government, regulators and other stakeholders to improve public awareness and understanding of industry’s contribution to the economy.

It ensures that Australian banking customers continue to benefit from a stable, competitive and accessible banking sector.

The ABA advocates for a strong, competitive and innovative banking industry that delivers excellent and fair outcomes for customers.

If you are affected by flooding or in difficulty and require assistance, a list of contact details can be found on the ABA website at https://www.ausbanking.org.au/for-customers/financial-difficulty/

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HDFC Bank Partners with Arzooo to Offer Purchase Cards to Merchants https://www.sznurki.net/hdfc-bank-partners-with-arzooo-to-offer-purchase-cards-to-merchants/ Thu, 10 Nov 2022 07:57:33 +0000 https://www.sznurki.net/hdfc-bank-partners-with-arzooo-to-offer-purchase-cards-to-merchants/

By Leandra Monteiro

Today

  • Arzooo
  • Credit score
  • Digital loan

HDFC Bank partners with Arzooo to launch shopping cards designed exclusively for offline retailers. The goal is to roll out more than a lakh of these credit cards over the next 12 months.

More than 40,000 business partners already present on the Arzooo platform stand have taken advantage of this, as they will now be able to manage their working capital much more efficiently. The procurement card will play a central role in mobilizing the economy by giving impetus to small and medium traders with easy access to capital.

The main feature of this card is that it offers interest-free credit for up to a month and a credit limit of up to INR 1 crore. In addition, this card is integrated into the Arzooo mobile application for ease of use when paying.

During this year’s festive season, Arzooo disbursed INR 100 crore credit to retailers. There has been an 800% growth in the number of retailers taking out credit this year through Arzooo Credit. Additionally, sales on the platform increased by 400% due to access to capital headroom and an increase in demand.

Speaking at the launch, Tushar Deshpande, Vice President of Arzooo said, “Arzooo has always been at the forefront of delivering distinctive value propositions to its retailers. The availability of working capital is of paramount importance to our retailers as it gives them room for growth. We are delighted to partner with HDFC Bank to launch exclusive shopping cards for our offline retail partners. This partnership marks an important step in meeting the growing demand for digital solutions in the country. Through this partnership with HDFC Bank, we look forward to combining our platform and HDFC’s expertise to create a robust ecosystem to scale offline retailers.

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Payment card and mobile payment statistics – 3rd quarter 2022 https://www.sznurki.net/payment-card-and-mobile-payment-statistics-3rd-quarter-2022/ Mon, 07 Nov 2022 02:50:00 +0000 https://www.sznurki.net/payment-card-and-mobile-payment-statistics-3rd-quarter-2022/

MACAU, November 7 – According to statistics released today by the Macau Monetary Authority, the total number of personal credit and debit cards issued by Macau banks saw year-on-year increases in the third quarter of 2022. credit and debit card business declined. On the other hand, the number and value of local mobile payment tool transactions both increased compared to a year ago.

Payment cards issued

The total number of personal credit cards issued by banks in Macau stood at 1,668,934 at the end of September 2022, a year-on-year increase of 10.5%. The total number of debit cards issued by banks in Macao reached 2,095,845, up 9.1 percent from a year earlier.

Credit limit granted and payment default

At the end of September 2022, the credit card credit limit granted by banks in Macau was MOP 47.3 billion, an increase of 5.6% compared to the end of September 2021. Credit card receivables s amounted to MOP 2.4 billion, of which the rollover amounted to MOP 715. 4 million, or 29.4% of credit card receivables. The delinquency rate, i.e. the ratio between amounts overdue for more than three months and credit card receivables, increased by 0.5 percentage point to 2.9% compared to the end September 2021.

Turnover and reimbursement

For the third quarter of 2022, credit card revenue totaled MOP 4.5 billion, down 7.8% year-on-year. Cash advance revenue was MOP 129.6 million, or 2.9% of total credit card revenue. The number of credit card transactions reached 6.9 million, down 1.9% from the previous year. Credit card repayments, in which interest and fee payments are included, fell 11.6% from a year earlier to MOP 4.5 billion. Meanwhile, the number of debit card transactions other than cash withdrawals and debit card turnover reached 301.8 thousand and 637.0 million MOP respectively.

mobile payment

The number of transactions made by local mobile payment tools increased by 13.8% year-on-year to 61.4 million in Q3 2022. Transaction value totaled MOP 6.3 billion, an increase of 18.6% compared to a year ago. The average amount per transaction was MOP102.4. At the end of September 2022, the number of mobile payment terminals and QR code panels stood at 92.9 thousand, up 10.5% year-on-year.

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LazPayLater: Lazada’s BNPL Response to SPAyLater Rolls Out in Malaysia https://www.sznurki.net/lazpaylater-lazadas-bnpl-response-to-spaylater-rolls-out-in-malaysia/ Tue, 01 Nov 2022 15:03:42 +0000 https://www.sznurki.net/lazpaylater-lazadas-bnpl-response-to-spaylater-rolls-out-in-malaysia/

Shortly after Shopee revised its SPayLater feesLazada Malaysia appears to be rolling out its own Buy now Pay later (BNPL) which is called LazPayLater. The new service allows Lazada buyers to pay for their purchases in monthly installments and they also retained one of the best features from the old SPAyLater.

According RinggitMore, the LazPayLater service is currently being rolled out for pre-qualified users and they must submit an application before they can use the service. Lazada has posted the FAQ for LazPayLater which reveals more details about its interest and penalty charges.

If you are eligible for LazPayLater, you should be able to see a new “LazPayLater” option in the Lazada Wallet section under the Account Lazada app tab. BNPL-eligible Lazada listings would also display LazPayLater as the payment option with the lowest monthly installment amount.

To activate LazPayLater, eligible users will need to complete an electronic Know Your Customer (eKYC) process which requires a copy of MyKad and a selfie photo. Users will also need to fill out a form regarding their personal details and set a 6-digit security PIN.

Depending on the individual, qualified LazPayLater users will be given a credit limit of up to RM4,000 which can be used on most products on Lazada except for items in the digital goods and fine jewelry categories. LazPayLater charges no fees if users pay in full the following month. However, if the user chooses to pay in 3, 6, 9 or 12 monthly installments, Lazada will charge an interest charge of 1.5% per month.

The FAQ states that LazPayLater will issue a monthly statement every 10th of the following month and the due date is every 25th of the month. Users can pay LazPayLater bill using Lazada Wallet, Online Banking, Credit/Debit Card, Touch ‘n Go e-Wallet and Boost e-Wallet. If there is an unpaid amount after the due date, LazPayLater will charge a late fee of RM30.

For comparison, Shopee previously offered BNPL with 0% interest if the user paid in full the following month, while monthly installment options were charged with 1.5% interest per month. Effective October 17, Shopee has started charging a 1.5% processing fee for payments made in full the following month. If the outstanding amount is not settled by the due date, Shopee will freeze the SPAyLater account and charge a late fee of RM10 for reactivation.

In September it was reported that Lazada plans to partner with BNPL players and aims to launch the service in Malaysia very soon. When asked why they are not jumping on the bandwagon, Lazada Malaysia CEO Alan Chan said their philosophy is to bring the best breed of partners to provide financial services in their platform. and that they were looking to launch BNPL for its Malaysian platform in the “very near future”.

Besides Malaysia, the LazPayLater service is also being rolled out for pre-qualified users in the Philippines, Thailand and Indonesia.

Although BNPL is considered a convenient payment option for shoppers without a credit card, these services are currently not regulated by Bank Negara Malaysia or any other regulatory body. There are concerns that BNPLs are potential debt traps and there is a risk that the fees incurred could be higher than credit cards.

[ SOURCE ]

Related Reading

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S&W SEED CO: Entering into a Material Definitive Agreement, Creating a Direct Financial Obligation or an Obligation Under an Off-Balance Sheet Arrangement of a Registrant (Form 8-K) https://www.sznurki.net/sw-seed-co-entering-into-a-material-definitive-agreement-creating-a-direct-financial-obligation-or-an-obligation-under-an-off-balance-sheet-arrangement-of-a-registrant-form-8-k/ Thu, 27 Oct 2022 13:07:08 +0000 https://www.sznurki.net/sw-seed-co-entering-into-a-material-definitive-agreement-creating-a-direct-financial-obligation-or-an-obligation-under-an-off-balance-sheet-arrangement-of-a-registrant-form-8-k/

Section 1.01 Entering into a Material Definitive Agreement.

On October 24, 2022, S&W Seed Company Australia Pty Ltd (“S&W Australia”), a wholly owned subsidiary of S&W Seed Companyhas entered into an Amended and Restated Funding Agreement with National Australia Bank Limited (“NAB”), pursuant to which, among other things:

the borrowing baseline credit limit under S&W Australia’s Seasonal Credit Facility increased from AUD $32,000,000 (USD $20,771,200 of the September 30, 2022) to EUR $40,000,000 (USD $25,964,000 of the September 30, 2022), with a maturity extension from one year to September 30, 2024;

overdraft credit limit under S&W Australia’s Seasonal Credit Facility increased from AUD $1,000,000 (USD $649,100 of the September 30, 2022) to EUR
$2,000,000 (USD $1,298,200 of the September 30, 2022), with a maturity extension from one year to September 29, 2023; and

the maturity date of the S&W Australia Asset Finance Facility has been extended by one year to September 29, 2023.

Item 2.03 Creation of a Direct Financial Obligation or Obligation Under an Off-Balance Sheet Arrangement of a Registrant.

The information set out above in point 1.01 is incorporated by reference in this point 2.03. From October 26, 2022about AUD
$4,000,000 remained available for use under S&W Australia’s seasonal credit facility with NAB.

————————————————– ——————————

© Edgar Online, source Previews

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Debt ceiling showdowns set for return with GOP majority https://www.sznurki.net/debt-ceiling-showdowns-set-for-return-with-gop-majority/ Sun, 23 Oct 2022 10:00:00 +0000 https://www.sznurki.net/debt-ceiling-showdowns-set-for-return-with-gop-majority/

House Republicans are seeking to use a vote on raising the debt ceiling, a must-have measure to avoid harsh economic consequences and damaging credit to the United States, to secure concessions on spending cuts if they win. control of the chamber in the midterm elections.

The federal government is expected to hit the $31.4 trillion debt ceiling, last raised in 2021, sometime in 2023. House Minority Leader Kevin McCarthy (R-Calif.) Who is likely to become president if the GOP takes the lower house in November is bracing for a battle with the Biden administration over spending cuts as a condition of a debt ceiling increase.

“We will provide you with more money, but you have to change your current behavior. We’re not just going to keep increasing your credit card limit, are we? McCarthy told Punchbowl News in an interview last week.

Republicans have long demanded spending concessions in exchange for a vote to raise the debt ceiling or tried to force Democrats to raise the ceiling without GOP help. But Democrats criticized the GOP for those efforts, noting they voted to raise the debt ceiling under former President Trump.

Although the United States has never defaulted, this is a scenario that economists say could lead to economic turbulence. But the clashes alone have sparked jitters on Wall Street and across the business community. During a debt ceiling standoff in 2011, ratings agency S&P lowered its rating for the United States for the first time.

“I’m pretty sure Republican voters don’t want their new majority hesitant to use leverage against Democrats,” said Rep. Dan Bishop (RN.C.), a member of the hardline conservative House Freedom Caucus.

This sentiment extends to the entire House GOP conference.

“We will make sure the federal government pays its debts, but we will use the debt ceiling as intended — leverage to address our deficit and our debt,” Rep. Adrian Smith (R-Neb.) said.

Rep. Jason Smith (R-Mo.), a senior member of the House Budget Committee, noted figures from the Congressional Budget Office showing spending increased by $10 trillion during Biden’s presidency. . An increase in the debt ceiling has been linked to demands for spending cuts in Washington in the past, he said.

“The American people expect Congress to use every tool at its disposal to fight rising prices, to strengthen our economy, to secure our border, to lower the cost of energy, to fix our supply chains and to right-size the federal government, and the debt ceiling is absolutely one of those tools,” Smith said in a statement.

Adrian and Jason Smith are vying to lead Republicans on the powerful Ways and Means Committee next year.

The exact spending Republicans would put on the chopping block in a future fight against the debt ceiling is not set in stone, but likely targets include spending essential to President Biden’s national agenda enacted last year.

Bishop pointed to the reversal of Biden’s student debt forgiveness, the reduction of IRS enforcement funding, and a $20,600 State Department grant to a cultural center in Ecuador that reportsquickly fund a drag show performance.

Democrats in midterm campaign messages warned that Republicans would use a fight against the debt ceiling to cut Social Security and Medicare. They highlight comments from some members of the GOP and proposals in a model federal budget from the Republican Study Committeethe largest Conservative caucus in the House, which included gradually increasing the age of Social Security eligibility.

Biden repeated those warnings on Friday.

“I won’t back down,” Biden said, of a future debt limit fight. “I will not cut Social Security. I will not cut health insurance.

When asked if the rights programs would be part of the debt ceiling negotiations, McCarthy told Punchbowl News he wouldn’t “predetermine” anything. But the next day on MSNBC, McCarthy seemed wacome back to his comments link rights to rights reform.

“The only people talking about cutting Social Security and Medicare right now are the Democrats who are using it as a scare tactic because they can’t defend their failed economic policies,” the official said. representing Adrian Smith.

Rep. Jim Banks (R-Ind.), chairman of the Republican study committee and candidate to serve as House GOP whip if Republicans win, said to a CBS News Event Wednesday that the debt ceiling could be used to call for spending caps, balanced budgets or to cut discretionary spending — actions that would not include Social Security and Medicare.

Amid a dispute over raising the debt ceiling last year, Treasury Secretary Janet Yellen suggested abolishing the federal debt ceiling, the caller”very destructive” to the credit of the USA

Rep. Brendan Boyle (D-Pa.) directed a letter to House Speaker Nancy Pelosi (D-Calif.) and Senate Majority Leader Charles Schumer (DN.Y.) asking for action on the legislation to do just that, Punchbowl News reported on Friday.

But Biden said on Friday it would be “irresponsible” to eliminate the debt ceiling.

Democrats could avoid a stalemate on the debt limit by raising the limit after the midterms and before the end of the year. However, with a government funding deadline looming in mid-December, Democratic leaders may decide there isn’t enough time on the calendar for an early fight against the debt ceiling.

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Deadline for Best Newspaper competition extended https://www.sznurki.net/deadline-for-best-newspaper-competition-extended/ Thu, 20 Oct 2022 23:06:38 +0000 https://www.sznurki.net/deadline-for-best-newspaper-competition-extended/

The deadline for submitting entries for the WNA Foundation’s Best Newspaper Competition has been extended to Wednesday, November 2. The extended deadline for mail-in entries is Friday, October 28.

Entrant managers with questions are encouraged to review the answers to frequently asked questions about the contest, included below.

Entrants are recognized in five contest divisions – two daily and three weekly. Newspapers are categorized into divisions based on the number of copies of a single issue (print + electronic edition) published closest to the filing date of their published ownership statement during the contest entry period.

The five newspapers that accumulate the most points across the editorial and advertising awards will be named Best of Division. The two main newspapers in the daily and weekly circulation divisions will be named newspapers of the year.

This year’s contest will be judged by members of the Arkansas Press Association.

Questions? Contact WNA Director of Membership and Communications, Julia Hunter.



How do I log into the contest portal, add authorized entrants or pay for entries?

If you are a first time Applicant Manager or need a refresher on using the system, you can download the Applicant Manager Guide below. It includes instructions on:

  • Login to your account
  • Make entries
  • Validation of your account
  • Update your account information
  • Create authorized participants
  • Deactivating authorized participants
  • Payment for registrations (including by check, credit card and PayPal)

How can I send applications by post?

Where possible, PDFs or links to electronic editions are preferred, where possible. However, a number of categories allow paper submission. Hard copies can only be submitted in these specific categories:

  • General Excellence
  • Versatile Newspaper Photography
  • Best Special Section (Editorial)
  • Best Special Section (Commercial)
  • Best niche product
  • Best Current Niche Post

If you choose to submit applications by mail, you must always submit *some* information on online registration:

  1. Enter the title, credit and other required information on the contest website.
  2. Press Submit.
  3. A label will appear on your screen. Print the screen, cut the label and affix it to all paper entries, so judges can identify entries when using the online portal to submit judging. Use tape, label paper, or paper clips to attach the label to each paper entry. If the entry includes three issues, such as overall excellence, attach tags to each issue.
Sample WNAF Better Newspaper Contest Label

Mail-in entries and payment must be postmarked by October 21, 2022 and sent to:

WNAF Best Newspaper Competition
34 Schroeder Court, Suite 220
Madison, Wisconsin 53711


How do I submit attachments and URLs?

Each category of the WNA Foundation’s Best Newspaper competition requires the nominee’s manager (or authorized entrant) to submit a PDF attachment, a JPG attachment, a link, or a combination thereof. When submitting entries, it is important to remember the workload of our judges. In this spirit, members are encouraged to submit PDF where possible. This also applies to entries that only appeared online.

Convert online entries to PDF, if possible

Below we have detailed two simple options for converting your submission to PDF:

  1. Use Print to PDF
    1. Open your story in your web browser and click “Print”. (This is usually located in the settings area at the top right of your window.)
    2. Select “Save as PDF”. (Choose this option from the “Destination” drop-down list. Depending on your browser, your print dialog may ask you to select “Adobe PDF” from the printer menu.)
    3. Name your file, select where you want to save it and click “Save”.
  1. Use the “Full Page Screenshot” extension
    1. Another option to save online stories in PDF format is to use the Chrome extension “Full page screenshotwhich allows users to save a screenshot of the entire browser window as a PDF with the click of a button.

Of course, not all online-only applications should be submitted in PDF format. Interactive entries such as videos and photo galleries must be submitted by providing a URL. Remember to provide a username and password in the comments section for the judges.

Provide credentials for paywall protected or metered websites

If you choose to submit a URL and your article has a paywall, you must provide a password to the judge(s) to access the site in the comment section for each entry in which a URL was provided. Please also consider this if your website is metered. The judges could still hit the paywall.

Consider the size of the PDF file

BetterBNC recommends that individual files be less than 5 MB but will allow up to 20MB per attachment. Judges’ time is important, so file sizes are critical to ensure that their total time spent does not become tedious while waiting for unnecessarily large files to be uploaded.

What should I do if I can’t find a clip?

The WNA can provide you with quick and easy access to your newspaper’s digital archive (every member has one!). If you need login credentials and/or instructions, contact Denise Guttery, Director of WNA Media Services, at 608-283-7630 or denise.guttery@wnanews.com.


How do I enter categories that require multiple attachments, such as business coverage or local column?

Several competition categories require three examples — which must all be attached to a single entry. (Examples include local column, local education reports, and overall page design.) When fitting into one of these categories, applicants should follow these steps:

  1. Select Division and Category.
  2. Enter three titles separated by commas or semicolons.
  3. Select the execution date of one of the attachments.
  4. Select choose file and upload the first attachment. Select “Browse and attach more files” and continue to download the next two attachments. (Or paste three URLs if submitting links.)

When complete, your entry should look like this:

Best newspaper contest

How do I submit photos?

Photographs should always include two attachments. They are:

  1. A full-page PDF of the page where the photo appeared WHERE a URL to the online photo.
  2. A JPG of the original photo.

What title should I include for my entries?

The title or title of the entry should clearly indicate what is being judged. Here are some best practices for identifying submissions:

Entries with multiple stories: Include all titles in the title or title area. Separate with commas or semicolons. If not all titles match, include them in the comments section. (For example, an unnecessarily sad ending; the legislature fails again; a stubborn bad idea)

Numbers or sections: For categories that require an entry or an entire section, enter the date or dates for each in the title box. (For example, October 1, 2021; December 22, 2021; February 14, 2022)

Pictures: A sufficient description of the photo. The attached JPG files also help judges identify the photos. (For example, the Black Hawks celebrate homecoming)

Ads: The title or company name appearing in the ad. If multiple advertisements are submitted as part of a single entry, identify each advertisement. (For example, the restaurant on Suffolk Street)


Is there a limit to the number of entries I can make in a single category?

Unless otherwise stated, there is no limit to the number of unique entries an individual or reporting team (i.e. stories with multiple bylines or team-reported coverage) can submit. .

For categories with an entry limit that also allow entries by a reporting team, no person may be credited for more entries than the total entry limit, regardless of whether that person’s name appears as whether signing independently or being included in a reporting team. (For instanceif April O’Neil entered a single byline story in Environmental Reporting, which has a limit of 2 entries per reporter, and was also included in a team entry with multiple bylines in that same category, she has reached her limit input.)

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‘Three feet is a lot’: Santa Barbara developments push the city’s height limits https://www.sznurki.net/three-feet-is-a-lot-santa-barbara-developments-push-the-citys-height-limits/ Sun, 16 Oct 2022 19:02:13 +0000 https://www.sznurki.net/three-feet-is-a-lot-santa-barbara-developments-push-the-citys-height-limits/

It’s no secret that Santa Barbara is in dire need of housing, but as more three- and four-story housing developments move through the city’s review process, it’s becoming more increasingly common for project planners to request exemptions on building height, setbacks, and parking requirements.

And while it has become normal for projects to gain these exemptions – usually a few feet above the city’s 45-foot maximum height in return for providing more much-needed housing units – a recent audience for a 23-unit mixed-use development on Rue De la Guerra was an example of developers asking for too much, even if it was just a few more feet.

An architect’s rendering of the De la Guerra mixed-use project planned for 113-117 West De la Guerra Street | Credit: DMHA

The development, which stretches from 113 to 117 De la Guerra on property owned by John DeWilde – currently the home of vegan restaurant Elsie’s Tavern and Green Table – has been in the works for more than five years and received conditional approval during his latest arrival. through the commission in February 2020.

Since then, the design team at DHMA Architecture has partnered with Kibo Group, who helped develop the Honor Bar on Coast Village Road, and made a few changes to the design, the most significant of which being three feet added at full height. On Wednesday, October 12, DHMA architects Ed De Vicente and Ryan Mills presented these latest plans to the Historic Landmarks Commission, where they explained why the team was seeking a height exemption after previously being approved for 45 feet.

Mills said meeting the 45-foot height limit is “extremely difficult and full of compromises” and extending a few more feet would allow units to have higher ceilings.

An architect’s overview of the planned De la Guerra mixed-use project at 113-117 West De la Guerra Street | Credit: DMHA

It comes as Santa Barbara struggles to meet its quota for the state-mandated Housing Element program, in which the city must report on how it will build 8,000 homes over the next eight-year cycle. To accomplish this, city review boards have approved exemptions on many major developments, including an 82-unit project on Milpas Street that went through the review process with a development agreement that cut the claws of the usually finicky Architectural Board of Review. .

“We are entering this uncharted territory,” Commissioner Cass Enberg said. “We’re trying to bring all of these accommodations.”



Like the majority of curators, Enberg liked the overall design concept but felt that the extra height was not as necessary as the developers argued. “I think three feet is a lot,” she said.

Debates over building height requirements in the city have been going on for decades and recently sparked a discussion on Reddit a few weeks ago with over 70 comments exploring the pros, cons and history of the current city limits – 60 feet or four stories in commercial or industrial areas, three stories or 45 feet in multi-family areas and two stories or 30 feet in single or two-family areas – which have been in place with minimal change for almost a hundred years.

On Wednesday, the debate continued over whether a meter in height was worth “jumping up and down”, as commissioner Ed Lenvik put it, or whether the need for housing was greater.

“I’m not sure if someone walking down the street can see the difference between 45 and 48 feet. It will be almost impossible to say that the building is one meter too high,” Lenvik said. “It’s a real dilemma,” he added. “This city is being pushed for housing, pushed hard for housing.”

An architect’s rendering of the De la Guerra mixed-use project planned for 113-117 West De la Guerra Street | Credit: DMHA

But as the discussion continued, the commissioners decided that, in this case, three feet was enough to bring the mass, volume and scale to a point where it was too big for the neighborhood.

“Three feet is something – it’s not the end of the world – but it’s also something substantial, and it carries some weight,” chairman Anthony Grumbine said. “So the question becomes, what are the units coming out of it that are so big that they need to increase that amount?”

He suggested designers could lower the ceilings of the proposed 9’8″ units closer to nine feet, which would still give tenants plenty of room.

“I would be able to support something that was a foot or two lower,” he said, “but at least showing the effort of really trying to reduce the size.”

Commissioners voted unanimously to continue the article four weeks until early November, when the design team will return with revisions based on feedback from the meeting. Specifically, the council asked the designers to adjust the overall height, refine the details of the garage and the roof, reinforce the corners of the third floor and adjust the too thin and spindly arches on the south side.

An architect’s overview of the planned De la Guerra mixed-use project at 113-117 West De la Guerra Street | Credit: DMHA

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ABC emergency aid for flood-affected areas in New South Wales, Victoria and Tasmania https://www.sznurki.net/abc-emergency-aid-for-flood-affected-areas-in-new-south-wales-victoria-and-tasmania/ Fri, 14 Oct 2022 04:45:25 +0000 https://www.sznurki.net/abc-emergency-aid-for-flood-affected-areas-in-new-south-wales-victoria-and-tasmania/

The ABC understands that every customer will have different needs and encourages those affected to discuss their personal situation by contacting the bank in the CommBank app, by calling 1800 314 695 or by visiting the Commonwealth Bank branch at closer, if safe to do so. Business customers can also call 1800 314 695 or speak with their dedicated CommBank relationship manager.

Special arrangements are in place to provide support to Commonwealth Bank customers when needed, and the ABC team are ready to help with any financial queries or enquiries.

ABC Emergency Assistance includes a range of options, including:

  • Personalized payment terms for home loans, credit cards, personal loans and some business loans.
  • Exemption from fees and charges.
  • Temporary overdrafts, additional loans or emergency credit limit increases (subject to credit approval).
  • Removal of fees and notice periods for early access to term deposits.
  • For customers who have purchased homeowners insurance distributed by CommBank, Hollard can help you with emergency accommodation if your home has been damaged.
  • Restructuring of loans for business clients and existing loans.
  • Waiver of fees for temporary and damaged merchant EFTPOS terminals, as well as support of merchant terminal rental fees.
  • Hollard can also expedite claims for customers seeking help with their home and contents if they purchased their home insurance through CommBank.

To access this assistance, please contact us via the CommBank app, on 1800 314 695 or visit us in branch, if it is safe to do so. Further information about our emergency assistance is available online at www.commbank.com.au/emergencyassistance.

For emergency storm assistance, call the State Emergency Service on 132 500. You can also visit www.ses.nsw.gov.au/ Where www.ses.vic.gov.au/ Where www.ses.tas.gov.au/. In the event of a life-threatening emergency, dial 000 (triple zero).

What you need to know: Press releases are prepared without regard to the objectives, financial situation or needs of an individual reader. Readers should consider the relevance of their situation. Visit Important Information to access the Product Disclosure Statements or Terms and Conditions currently available electronically for Commonwealth Bank Group products, as well as the relevant Financial Services Guide. Target market determinations are available here. Loan applications are subject to credit approval. Interest rates are correct at the time of publication and are subject to change. Fees and charges may apply.

Loan applications are subject to credit approval. Interest rates are correct at the time of publication and are subject to change. Fees and charges may apply.

Hollard Insurance Partners Limited (Hollard) ABN 96 067 524 216, AFSL 235030 is the insurer of home insurance distributed by the Commonwealth Bank of Australia (CBA) ABN 48 123 123 124 AFSL and Australian Credit License 234945. CBA does not does not guarantee Hollard’s insurance products.

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