Land-based and online: A rising tide lifts all ships

first_imgAs chart below shows, online has increased over the last three months even at a time when Detroit’s three casinos have seen revenue tick upwards. Looking exclusively at online tribal performance, Bay Mills (and its partner DraftKings) is the clear leader of the pack in the first quarter of the year. Pennsylvania: Tribal land-based gaming revenue is not published, so the focus is on the Detroit casinos when it comes to the relationship between land-based and online. Paul Girvan examines the relationship between land-based and online gaming over the first quarter of 2021. By analysing figures from New Jersey, Pennsylvania and Michigan, he concludes that there is no evidence of cannibalisation – but ample proof of the returns that legalisation brings. While the online gaming markets are still developing, especially so in the case of Michigan, some early conclusions can be reached. As a result, total gaming revenue exceeded February 2020 by over 30%, even with some restrictions still in place. By March of 2021, online revenue accounted  for over 30% of the state’s total, up from 10% or less pre pandemic. Land-based and online: A rising tide lifts all ships Topics: Casino & games Finance Land-based casino Online casino Regulation CasinoPartnerLive DateMGM DetroitBetMGM22-JanMotorCityFanDuel22-JanGreektownBarstool1-FebBay MillsDraftKings22-JanGrand Traverse BandWilliam Hill22-JanHannahvilleTwinSpires22-JanKeweenaw BayGolden Nugget22-JanLittle River BandBetRivers22-JanLittle Traverse BayPokerStars29-JanFour WindsFour Winds15-FebSault Ste. MarieWynn22-Jan Taxes Michigan Active Online Gaming Ventures With land-based casinos closed in April, online gaming revenue shot up to over $60m in May.   Thereafter land-based casinos reopened, albeit with severe restrictions and limitations on operations.   Prior to lockdown, online casinos accounted for approximately 30% of total gaming taxes.  Over the last six months, these offerings have contributed on average over 50% of the state’s gaming tax take.  Conclusions AddThis Sharing ButtonsShare to LinkedInLinkedInShare to FacebookFacebookShare to TwitterTwitter The recent addition of Michigan, where tribes are engaged in igaming, has also brought to the fore the often-voiced concern, especially notable among tribal casino operators, that online has the potential to negatively impact brick-and-mortar revenue.  The growth of igaming has been turbocharged by the Covid-19 pandemic. The performance of igaming in states such as Pennsylvania and New Jersey has proved to be a lifeline to these states and the operators, providing some revenue while land-based casinos have been closed or severely restricted in their operations. Much of the data in this report has been widely reported and is not “breaking news”.  We are, however, looking at this data through a wider lens, and in doing so we attempt to highlight the inherent implications for states and commercial and tribal casino operators.   New Jersey: The following table presents the relative contribution of each segment of the gaming industry to gaming taxes in New Jersey. It is notable for those looking at the recent wave of sports betting legalisation across the US that retail sports betting is a very minor generator of taxes compared to online sportsbooks.   New Jersey’s land-based gaming revenue rebounded after the shutdown of April, May and June of 2020, even with Covid-19 restrictions in place. This continued through October 2020. The winter months of November through February saw a decline but not markedly less than is typical, before an increase was recorded in March this year. Given the reliance of tribes on land-based gaming revenue to fund for many of the tribal programs that have done so much to improve the lot of tribal communities this is understandable. But what does the early evidence from these states say about this concern?    Of the Detroit casinos, MGM Grand is the clear leader, followed by MotorCity, with Greektown a distant third. Paul Girvancenter_img The two charts below present data on gross gaming revenue for online and land-based casinos in Pennsylvania. Prior to the pandemic, online gaming had been undergoing a slow but steady growth reaching a high of $32m – or 10.5% of total gaming revenue – in January 2020.   The first quarter of 2021 saw land-based revenue rebound as Covid-19 restrictions were eased. By March 2021, they were at 97% of their February 2020 (pre-pandemic) numbers, even with some Covid-19 measures still in place.  Online revenue increased more than fivefold over the same period, exceeding $123m in March 2021.   Taxes to the state of Pennsylvania follow a similar pattern given similar tax rates in both sectors.  In March 2021, 32% of taxes realised by the state were from online gaming, with all that increase attributable to online gaming.  Online revenue, which had hovered around 20% of the state’s total prior to the Covid-19 lockdown ,increased dramatically during the April-June lockdown, rising from an average of $53m per month in January and February, to $84m when brick-and-mortar gaming was shuttered – a 56% increase.   Revenue 25th May 2021 | By Robin Harrison Taxes Michigan launched online gaming in late January 2021. By March, total online GGR increased to $88.7m, with 42% of that originating from tribal operators concentrated primarily in the northern tier of the state. Casino & games Add mobile sports betting, and the online sector has grown to account for over 60% of New Jersey gaming taxes. Online gaming can provide a significant source of gaming revenue for operators, and significantly, for states in terms of taxes.Retail sports betting is not a significant source of revenue either for the operator or for the state.  What retail sports betting does is it “activates” the casino floor, bringing people to the casino that otherwise may not have visited. It is likely that a casino would see more revenue from casino play from these sports betting customers than it does from actual sports betting.  Therefore in-person sportsbooks are more akin to a casino amenity than a major generator of revenue.Online sports betting generates substantially more revenue for both the operator and the state.  In the case of New Jersey, online generates at least 16 times more tax revenue than retail wagering. This is partly due to the higher tax rate that can be sustained by online sports betting versus retail, but also to the volume of revenue.These early numbers strongly suggests that online gaming, at least at the macro level of a state, does not negatively impact on land-based gaming revenue. In fact, the limited evidence available suggests that land-based revenue continue to grow with the advent of online gaming. For operators of land-based casinos the implications are clear:Brick-and-mortar revenue appears to be largely unaffected negatively by online gaming.Programs and promotions that help to encourage online players (both casino and sports betting) to visit land-based casinos are of immense value. These will help grow land-based revenue, and will likely determine the future success of properties, by converting  online customers into in-person players. The world will continue its relentless march towards digital interactions and land-based operators must adapt to remain relevant.While retail sports betting is a viable and valued casino “amenity” it is not a major revenue stream. Online sports betting, on the other hand, is.Online gaming offers operators a hedge against major market disruptions such as Covid-19.For states looking to replenish tax coffers after the Covid-19 pandemic online gaming is a viable and additive source of tax revenue that will not negatively impact land-based tax receipts – this applies equally to online sports betting. The recent rush to legalise retail sports betting, while providing a welcome additional amenity to existing casinos, is not likely to generate significant tax revenue. With intensified operating restrictions imposed in December, land-based revenue collapsed to little more than $60m. iGaming revenue increased to $90m in October 2020, increasing further to $115m by December.   Retail betting contributes less than 1% of total gaming taxes, compared to between 10% and 12% for online wagering. 8% Landbased Gaming Tax15% Internet Tax8.5% Retail Sports Book Tax13% Internet Sports Betting Tax Between July and October land-based revenue recovered, but under operating restrictions averaged only 81% of the same period in 2019. At the same time igaming revenue doubled from its pre-pandemic high to an average of more than $61m between July to September 2020, accounting for 21% of total gaming revenues.   Paul Girvan is chief executive of PKC Gaming & Leisure Consultancy. He has been involved in the US gaming industry since its development beyond Atlantic City and Las Vegas, conducting project-specific and statewide analyses for governments, tribes and commercial casino operators. Girvan has conducted numerous nationwide and state level analyses on igaming and its legislative development. He is also the author of the ICE 365 Tribal Gaming Report. Michigan: Tribal revenue started slower, but since January has begun to close the gap with the three commercial casinos in Detroit, even with most of the larger downstate tribal casinos still to launch their online offerings. As land-based casinos reopened, online gaming revenue continued to increase, achieving an average monthly total of more than $95m in the period July 2020 to March this year. Online, which had accounted for approximately 20% of total gaming revenue prior to lockdown, is now hovering between 38% and 40% of New Jersey’s total. Regions: US Michigan New Jersey Pennsylvania Taxes have followed a similar pattern, but because online tax rates are greater than those for land-based, igaming now contributes more tax revenue to New Jersey than the brick-and-mortar industry.   Subscribe to the iGaming newsletter Email Addresslast_img read more

Local Icon Endorses Commissioner Ruth in Seat #3 Election

first_img Support conservation and fish with NEW Florida specialty license plate She is an institution in Apopka. You name a board, committee, group or cause and she has probably been a part of it at one time or another. She is outspoken and knowledgeable when it comes to Apopka. Her views are well-respected and well researched. It is not surprising she has opinions on the Seat#3 and #4 City Commission elections and the current City Administration.Sam RuthJoyce Brocker today officially announced her endorsement of Commissioner Sam Ruth in the Seat#3 race against Doug Bankson and Alice Nolan.“I know him,” she said. “I know what kind of person he is and I know he loves Apopka and always has what’s best for Apopka in mind.”She also knows his opponent Bankson, but not as well.“He (Bankson) and I have had our talk. People I know like him. But he’s running against a person I know well.Brocker does not have an endorsement in Seat#4, but did offer some candid thoughts.“I sincerely believe in term limits,” she said. “Who needs to make a lifetime out of elected office? Politics is a blood sport, why would you want to be battered like that unless you are benefiting from the office?”Joyce BrockerDespite the endorsement of Commissioner Ruth, Brocker does take issue with Mayor Joe Kilsheimer on the Town Center project and on transparency.“I don’t like some things that happened under Kilsheimer,” she said. “They promised to be transparent, and I have not seen it yet.”Her criticism of the Town Center project begins with the purchase by the Mayor Land administration, and continues with Kilsheimer.“Why would you spend 17 million dollars on a property when you are dependent on decisions to be made by the FDOT (Florida Department of Transportation)?” Brocker asked. “Then he (Mayor Kilsheimer) rushed into the Town Center deal with little or no notice? It’s taking a bad decision and compounding it.” Share on Facebook Tweet on Twitter Jack Wing Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Well said! Sam has our votes! LEAVE A REPLY Cancel reply February 12, 2016 at 1:33 pm You have entered an incorrect email address! Please enter your email address herecenter_img TAGSCommissioner Sam RuthJoyce BrockerMayor Joe Kilsheimer Previous articleThe Errol Shooting: First in a Five-Part SeriesNext articleApopka City Council Seat 3 Candidate Q&A – Week 6 Denise Connell RELATED ARTICLESMORE FROM AUTHOR Reply Please enter your name here Please enter your comment! 1 COMMENT The Anatomy of Fear Save my name, email, and website in this browser for the next time I comment.last_img read more

RD BLITZ: Second Row demolishes casual flanker in giant club rugby hit

first_imgTuesday Feb 5, 2019 RD BLITZ: Second Row demolishes casual flanker in giant club rugby hit We were sent this huge tackle by a player from Douglas RUFC in the Isle of Man, so felt it needed to be shared. Remember to send your clips in via our BLITZ section and we’ll share the best of them.ADVERTISEMENTThis particular tackle features a Firwood Waterloo forward running a bit too upright at Max Singer, in a match played in North West 1 league in the UK.Second Row Singer was waiting and delivered a perfectly timed, smashing hit that sent the hapless flanker to the floor in the kind of hit that tight forwards dream of.Send your clips to us and we’ll pick the best and get them shared on here and via social media Posted By: rugbydump Share Send Thanks Sorry there has been an error Amateur , Big Hits & Dirty Play Related Articles 32 WEEKS AGO Viral video of Scottish club brawl goes down… 69 WEEKS AGO RUGBYDUMP BLITZ: This Best of the Week round… 69 WEEKS AGO RD BLITZ – Disaster, just when it looked… From the WebThis Video Will Soon Be Banned. Watch Before It’s DeletedSecrets RevealedYou Won’t Believe What the World’s Most Beautiful Girl Looks Like TodayNueeyUrologists Stunned: Forget the Blue Pill, This “Fixes” Your EDSmart Life ReportsDoctors Stunned: She Removes Her Wrinkles With This Inexpensive TipSmart Life ReportsIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier Living10 Types of Women You Should Never MarryNueeyThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancellast_img read more

Historic London house contents sale to benefit Eve Appeal

first_img About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving. Howard Lake | 11 January 2007 | News Tagged with: Events AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Historic London house contents sale to benefit Eve Appeal  55 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis The contents of Chester House, one of the oldest houses in Wimbledon, South West London, will be sold without reserve at Bonhams in Knightsbridge, London, on 16 January 2007. Prices will range from £30 – £6,000, with 20% of the net proceeds being donated by the sellers to The Eve Appeal, a UK registered charity funding research into gynaecological cancers. The sellers have sold the house and are relocating.Chester House is said to have been built by James, Duke of York (1633 – 1701; later James II) for one of his mistresses, one of whom, Anne Hyde, went on to be the mother of two future queens, Mary II and Anne. In the later 18th century it became the home of one of notorious John Horne Tooke, an outspoken politician renowned for escaping a near-certain death sentence for high treason at the Tower of London.At the outbreak of war in 1939 Barclays Bank took over the house as their new head office. Following the war it became Barclays’ training centre until the early 1990s, when it was bought by its current inhabitants, and extensively refurbished.www.eveappeal.org.uklast_img read more

Baigent develops Action for Children’s new online fundraising site

first_imgBaigent develops Action for Children’s new online fundraising site Tagged with: Consulting & Agencies Digital Howard Lake | 30 October 2009 | News AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis  21 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThiscenter_img Action for Children has added new online fundraising tools developed with its digital partner Baigent as part of its rebranding project and to support its current child neglect campaign featuring Davina McCall.The new website encourages both one-off and regular gifts. The branded donation pages can be customised by Action for Children according to individual campaigns, whether run online or offline, to encourage donor form completion. Google Analytics has been incorporated into the tools to enable the charity to measure the success of each marketing campaign.Richard Saunders, E-marketing Manager for Action for Children said: “We chose Baigent for their extensive expertise in online fundraising. Good technology plays a vital part in our current fundraising effort and we have enjoyed working with Baigent on this project”. Advertisement About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving. http://take.actionforchildren.org.uk/content.aspx?CategoryID=610last_img read more

Senior overcomes heat exhaustion to win Austin triathlon

first_imgCampus organizations to host ‘Black Panther’ screening, discussion Senior Adam O’Connor had a more active Labor Day than many of his classmates, finishing first in a 600-person triathlon in Austin. Facebook + posts Brandon Kitchinhttps://www.tcu360.com/author/brandon-kitchin/ Brandon Kitchinhttps://www.tcu360.com/author/brandon-kitchin/ Brandon Kitchin ReddIt Brandon Kitchin is a junior Journalism major and TCU 360 line editor from Grand Prairie, Texas. If you ever get the chance to meet him, he is such a positive person that you might just have your day made. You can find him in the loudest section of the Amon G. Carter Stadium or on the field at halftime with “The Pride Of TCU,” the Horned Frog Marching Band. He plays bass drum for the TCU Drumline. Nelson Mandela’s former prison guard visits campus to reflect on their unlikely friendship Linkedin printLast Monday, while most of the TCU student body spent a day off enjoying Labor Day, Adam O’Connor participated in the Austin TriRock Olympic Distance Triathlon and blew out the competition of nearly 600 racers.O’Connor, a senior runner from Phoenix, AZ, and the third-year president of the Tri-Frogs sports program, was on a mission during the race. He took first place with a time of 1:57:52, besting second place by over six minutes.It wasn’t until his senior year of high school that he began participating in triathlons, but O’Connor has put in the hard work necessary for success.His weekly training routine is anywhere from 12 to 18 hours, which consists of running, biking, and swimming – all the elements of a triathlon – about five to six times a week.O’Connor said the morning of the race was very humid. The water temperature was measured at 81 degrees, which is close to the competition cutoff of 82.4 degrees. Water temperature is a major factor for triathletes, as a swimmer died in 2010 from heat stroke in 87 degree water.O’Connor’s strong swimming background from high school helped tremendously on Monday, when he had the best swim split in the competition.“We had to swim right out from the start, so I just went hard at it, and didn’t look back.” O’Connor said.“I knew I had a pretty sizable lead, so toward the end I just kicked back a little so I could enjoy it.”O’Connor said he began to hallucinate near the end of the race when he saw a friend standing near the finish line.He collapsed once he crossed the finish line, overcome by heat exhaustion with a body temperature measuring 104 degrees. He recovered on an IV and was able to cool down in the medical tent.O’Connor, a health and fitness major, plans on working for a corporate wellness company as a personal trainer and diet advisor.He also has an aspiration to qualify and race as a professional in 2016.The Austin TriRock is one of four races in the South-Midwest Collegiate Triathlon Conference that determines who earns top seeding at the USAT Collegiate Nationals in Clemson, SC, in March.O’Connor will be competing next week at the Trifecta Triathlon with his coach on Sept. 20 at Possum Kingdom Lake before attempting a Half Ironman in Austin on Nov. 8.The venue of the Austin TriRock Olympic Distance Triathlon. Brandon Kitchinhttps://www.tcu360.com/author/brandon-kitchin/ ReddIt Linkedin Another series win lands TCU Baseball in the top 5, earns Sikes conference award ESPN’s ‘The Undefeated’ writer visits campus, talks media coverage on Nike, Kaepernick ad TCU rowing program strengthens after facing COVID-19 setbacks Twitter Twitter Brandon Kitchinhttps://www.tcu360.com/author/brandon-kitchin/ Previous articleUniversity Drive construction bothers student residentsNext articleThe Skiff: September 17, 2015 Brandon Kitchin RELATED ARTICLESMORE FROM AUTHOR Facebook Memorial to commemorate MLK Jr. to come to downtown Fort Worth TCU baseball finds their biggest fan just by saying hellolast_img read more

Court summons against Emadoldin Baghi cancelled but vigilance remains

first_img A summons against Emadoldin Baghi to appear at a Tehran revolutionary court on 12 May has been suspended, following a national and international outcry, his lawyer Saleh Nikbakhata said. But Reporters Without Borders said that despite the cancellation it was remaining “very vigilant”. “The Iranian court system is capable of deciding at any moment to issue a new summons and imprison him. We call on the international community, on the eve of presidential elections, to keep up pressure on Iran, by raising the plight of all imprisoned journalists and those who suffer judicial and police harassment, like Emadoldin Baghi. “Nikbakhata told Reporters Without Borders that he had protested against his client’s sentence in December 2004 and called for his prison term to be commuted to a fine, in view of the fact that he had already been tried on the same charge.The lawyer has opened negotiations with Tehran’s prosecutor Saïd Mortazavi, who had told him he would obtain Baghi’s file from the court for “verification”.————————11.05.05 – Journalist Emadoldin Baghi faces possible imprisonment againReporters Without Borders voiced concern today about a court summons received on 8 May by journalist Emadoldin Baghi, who has been imprisoned in the past. Baghi has been ordered to appear before a Tehran revolutionary court tomorrow.”We are extremely worried by this summons, which means that Emadoldin Baghi is to be arrested again, and we call on the European countries who have began a dialogue with Iran to closely follow the case of this ardent defender of free speech,” the press freedom organization said.”We point out that the head of the Iranian judiciary, Ayatollah Mahmud Hashemi Shahrudi, recently accused the courts and the police of exceeding their authority and of abusing the law in some of the summonses they issued and the ensuing arbitrary arrests,” the organization added.Baghi was tried by a Tehran revolutionary court on 9 November 2004 for writing articles for the pro-reform press and the following month was given a suspended sentence of one year in prison. After Tehran prosecutor Said Mortazavi objected, it was changed to a year in prison with no suspension of sentence.Baghi was previously sentenced on 17 July 2000 to seven years in prison for “attacking national security” and “spreading false news.” The sentence was reduced to three years in prison on 23 October 2000, and he was released on 6 February 2003 after spending more than two years in prison.He has continued to defend human rights since his release, both as the editor of the daily newspaper Jomhuriat (“Republican” in Farsi) – which was closed on the orders of the Tehran prosecutor in July 2004 – and as the founder of an organization that defends the rights of prisoners of conscience. He was banned from travelling outside of the country on 5 October 2004.The authorities recently closed a monthly newspaper edited by his wife, called Jameh No (“New Society” in Farsi). At the start of May, Baghi and 255 other journalists signed a petition calling for a fair presidential election and the unconditional release of political prisoners, especially journalists. June 9, 2021 Find out more to go further IranMiddle East – North Africa Receive email alerts News Organisation Call for Iranian New Year pardons for Iran’s 21 imprisoned journalists Follow the news on Iran May 12, 2005 – Updated on January 20, 2016 Court summons against Emadoldin Baghi cancelled but vigilance remains RSF_en Reporters Without Borders said that despite the cancellation it was remaining “very vigilant”. “The Iranian court system is capable of deciding at any moment to issue a new summons and imprison him. We call on the international community, on the eve of presidential elections, to keep up pressure on Iran, by raising the plight of all imprisoned journalists and those who suffer judicial and police harassment, like Emadoldin Baghi. ” March 18, 2021 Find out more News News Help by sharing this information Iran: Press freedom violations recounted in real time January 2020 June 11, 2021 Find out more News IranMiddle East – North Africa Iran is stepping up pressure on journalists, including foreign journalists, in run-up to electionlast_img read more

Drive Sober or Get Pulled Over This 4th of July Holiday

first_imgtop box 3 Drive Sober or Get Pulled Over This 4th of July Holiday Published on Wednesday, July 3, 2019 | 11:06 am Name (required)  Mail (required) (not be published)  Website  Your email address will not be published. Required fields are marked * First Heatwave Expected Next Week 3 recommendedShareShareTweetSharePin it HerbeautyShort On Time? 10-Minute Workouts Are Just What You NeedHerbeautyHerbeautyHerbeautyThis Is What Happens To Your Face After DermaplaningHerbeautyHerbeautyHerbeauty7 Reasons Why The Lost Kilos Are Regained AgainHerbeautyHerbeautyHerbeautyHere’s What Experts Say Women Want In A ManHerbeautyHerbeautyHerbeauty7 Most Startling Movie Moments We Didn’t Realize Were InsensitiveHerbeautyHerbeautyHerbeautyNerdy Movie Kids Who Look Unrecognizable TodayHerbeautyHerbeauty Make a comment Community News Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Business News Top of the News center_img Subscribe Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy The 4th of July holiday is a time to enjoy fireworks and show country pride but is also traditionally one of the more dangerous times on the road.To keep families safe this Independence Day, The Pasadena Police Department will be on the lookout for impaired driving during the 4th of July holiday.According to preliminary data from the California Highway Patrol, seven people were killed and 73 injured in alcohol-related crashes statewide on the fourth of July last year. Every deadly crash involved a driver who had been drinking.“Drinking and driving is a bad combination,” Pasadena Police Department Lieutenant Mark Goodman said. “The consequences are abundantly clear, yet people still make the poor decision to drive after drinking. Please be smart and make this 4th of July holiday a fun and memorable one.If you are headed to 4th of July parties, designate a sober driver before heading out for the evening. If you are hosting a party, offer nonalcoholic drinks for designated sober drivers and monitor who is drinking. See people leaving who have been drinking? Check how they are getting home. Offer to let them stay the night or assist them in getting home with a sober driver.“Driving with just a buzz doesn’t cut it,” Lieutenant Goodman said. “With the rise in ride-share options, there really is no excuse for driving impaired.”The average cost of a DUI arrest is approximately $13,500, accounting for vehicle impound fees, fines, attorney fees, auto insurance hikes and other penalties.The Pasadena Police Department also reminds residents that prescription drugs, over-the-counter medications and marijuana can all be impairing and land you a DUI, especially in combination with alcohol and/or other drugs. Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Community News Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS More Cool Stufflast_img read more

Richard Corday On CFPB’s Relief Response

first_img Share Save In a new white paper, Richard Cordray, the former Director of the Consumer Financial Protection Bureau (CFPB), outlined the steps he alleges the CFPB needs to be taking right now in the face of an economic crisis caused by COVID-19.“[The Bureau] is relaxing various duties for financial companies and continuing to push the industry to comment on regulatory initiatives at a time when the focus needs to be placed on the grave economic hardship now confronting millions of Americans,” Cordray says in a whitepaper published on Medium. “The CFPB has the legal authority needed to take urgent steps to prevent many consumers from sliding off the financial cliff.”First, Cordray encourages the CFPB to assemble a detailed picture of what is going on in the consumer marketplace. According to Cordray, the CFPB should use its consumer complaint response system to learn from consumers what exactly is happening and make the answers publicly available.Cordray also notes that the CFPB should be doing what it can to help people avoid foreclosure and eviction. This means keeping Americans informed of the state and federal relief options available to them.“In the CARES Act, Congress has provided a much simpler mechanism for many consumers to seek and obtain relief from foreclosure if they miss mortgage payments during the crisis,” Cordray said. “The CFPB must use its supervision authority to monitor the banks and financial companies, making sure they follow through in making such relief available to consumers.”Additionally, the former Director states that the CFPB should be helping lenders and officials “fashion ways to reduce loan delinquencies and defaults,” specifying the need for simplicity.“The CFPB should be in the lead in pressing the companies to help, such as by waiving overdraft fees, NSF fees, or late fees and by providing forbearance on loan payments,” Cordray said. “These initiatives must be simple and, if not automatic, must be easy to access; complexity was the Achilles heel of many such programs a decade ago.”Editor’s note: As of press time, the CFPB has not responded to a request for comment. Richard Corday On CFPB’s Relief Response Servicers Navigate the Post-Pandemic World 2 days ago in Daily Dose, Featured, Government, News Servicers Navigate the Post-Pandemic World 2 days ago Previous: DS5: FHFA Director Discusses Forbearance Next: The Most At-Risk Housing Markets Subscribe Tagged with: CFPB Coronavirus Related Articles CFPB Coronavirus 2020-04-07 Seth Welborn April 7, 2020 1,440 Views Demand Propels Home Prices Upward 2 days ago Demand Propels Home Prices Upward 2 days agocenter_img Data Provider Black Knight to Acquire Top of Mind 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home / Daily Dose / Richard Corday On CFPB’s Relief Response Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. Sign up for DS News Daily About Author: Seth Welborn The Best Markets For Residential Property Investors 2 days ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago  Print This Postlast_img read more

Pearse Doherty TD urges Government to do more to tackle youth unemployement

first_img Facebook WhatsApp Previous articleDerry shooting victim’s sister calls for PSNI Chief to be sacked in light of HET reportNext articleDAAA calls on Donegal people to support man in his Property Tax hunger strike News Highland Dail hears questions over design, funding and operation of Mica redress scheme Pearse Doherty TD urges Government to do more to tackle youth unemployement Google+ Man arrested in Derry on suspicion of drugs and criminal property offences released Pinterest WhatsApp A Donegal Deputy has said that the Government still has to do a lot more to tackle youth unemployment.This is despite the latest figures from the CSO showing a significant drop in the number of under 25s signing on in Donegal over the past year.In June there were 21,378 people signing on in Donegal – a drop of 706, the vast majority of that fall was made up of people under 25.Deputy Pearse Doherty says the reason for the drop is emigration:[podcast]http://www.highlandradio.com/wp-content/uploads/2013/07/pdocDOLE1.mp3[/podcast] Twitter HSE warns of ‘widespread cancellations’ of appointments next week center_img Google+ Facebook Pinterest RELATED ARTICLESMORE FROM AUTHOR Man arrested on suspicion of drugs and criminal property offences in Derry Twitter Dail to vote later on extending emergency Covid powers News By News Highland – July 5, 2013 PSNI and Gardai urged to investigate Adams’ claims he sheltered on-the-run suspect in Donegal last_img read more