Cash – See Concept http://see-concept.com/ Mon, 21 Jun 2021 17:11:07 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.2 http://see-concept.com/wp-content/uploads/2021/05/see-concept-icon-150x150.png Cash – See Concept http://see-concept.com/ 32 32 Understanding Life Insurance Loans http://see-concept.com/understanding-life-insurance-loans/ http://see-concept.com/understanding-life-insurance-loans/#respond Thu, 11 Mar 2021 05:24:29 +0000 http://see-concept.com/understanding-life-insurance-loans/

If you need cash in an emergency, your insurance policy is a place to go. This is if what you have is permanent life insurance – available as “all the life“and”universal life. ”

contrary to term life insurance, whose duration of coverage is limited and does not accumulate cash value, universal life insurance has a cash component, especially later. “In the early years of politics, most premium goes to the financing of indemnity advantage. As the policy expires, the cash value increases, ”says Luke Brown, a retired insurance lawyer in Tallahassee, Fla. Who operates YourProblemSolvers to help consumers solve their insurance problems, health and consumption.

Key points to remember

  • Borrowing against your life insurance policy should be a last resort when most other financing options have been exhausted.
  • You will only be able to borrow if you have permanent life insurance (whole life or universal life), which includes a cash component, unlike term life insurance, which does not.
  • This is because permanent life insurance allows you to borrow against the funds that have accumulated after a certain time, usually a decade; the money is yours tax free, but of course there are mandatory interest payments.
  • Repayment of the loan is optional; however, if you do not repay, the death benefit will be paid at a lower rate because the life insurance company subtract the loan and the unpaid interest rates.
  • If you repay, you can make periodic payments with annual interest payments, pay annual interest only, or deduct interest owed from the cash value still in your policy.

How much, how long

As the cash value increases in a whole or universal life insurance policy, policyholders can borrow against the accumulated funds. Life insurance policy loans have a distinct advantage: the money is paid into your bank account tax free.

Insurers generally don’t make any promises as to how quickly or how much the cash value will increase. This makes it difficult to know exactly when your policy will qualify for a loan. Additionally, insurers have different guidelines describing a policy’s cash value before you can borrow against it – and what percentage of the cash value you can borrow.

Your policy is likely to have sufficient cash value to borrow “usually after the 10th.e the year the policy is in force, ”said Richard Reich, president of Intramark Insurance Services, Inc., a life insurance agency in Glendale, California.

Another thing to know: this loan does not take money out of your own cash value. “You actually borrow from the insurance company and use the cash value of your policy as collateral, says Reich.

No need to repay

One of the cool things about cash value loans is that you don’t have to pay them back – a big plus in an emergency.

If you are repaying all or part of the loan, options include periodic payments of principal with annual interest payments, annual interest payment only, or interest deduction from the cash value. “Loans have an interest rate like any other type of loan. It tends to be between 7% and 8%, which is high in our current environment, ”explains Reich. The interest will be fixed or variable, depending on your policy.

There is a good reason to pay off the loan if you can. “If the loan is not repaid before death, the insurance company will reduce the face amount of the insurance policy when the claim is paid,” said Ted Bernstein, CEO of Life Insurance Concepts, Inc., a life insurance consulting and auditing company. in Boca Raton, Florida.

The accrued interest can dramatically reduce the benefit: “If the policy loan goes unpaid for many years, the loan amount goes up and up because of the added interest,” Brown cautions. “This puts the policy in danger of not providing beneficiaries any sum of money on the death of the insured.

“At the very least, the interest payments should be made so that the policy loan does not increase effectively,” adds Brown. This gives you a better chance of having money to pay after your death.

Before borrowing against your life insurance, consult a Financial Advisor to weigh all the options and all the possible outcomes based on your financial portfolio.

When a loan makes sense

Here are some financial situations where a life insurance loan might be a wise choice:

You can’t qualify for a standard loan or you need the cash now

Because the money is already under the policy and immediately available, it’s a quick source of immediate funds for a new oven, medical bills, or some other emergency, with no credit checks required. Even if you qualify for a traditional loan from a bank or checkout, a life insurance loan can be a stopgap if you don’t have time to wait for your application to be processed. When the traditional loan matures, use it immediately to pay off the life insurance loan.

You cannot pay the annual premium for your policy

Don’t let a life insurance policy expire because you can’t afford the payment. A loan can keep the policy in force as long as the death benefit is greater than the loan amount.

Your only other loan options have much higher interest rates

Before paying a higher interest rate for a loan or pledge additional guarantee for a traditional loan, consider taking out a life insurance policy loan, says Bernstein. “Since there are no loan conditions such as refund dates, renewal dates or other fees, compared to traditional loans, life insurance policy loans can be very competitive, ”he says.

The bottom line

Choosing if and when a life insurance loan is right for you is subjective, Reich says. “You have to see what is most important; the immediate need for money or your family’s need for the death benefit. Understand that any outstanding policy loan will be deducted from the death benefit, which will reduce the benefit for your family. ”


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Analytics drives the journey to ‘data nirvana’ | 2019-02-12 http://see-concept.com/analytics-drives-the-journey-to-data-nirvana-2019-02-12/ http://see-concept.com/analytics-drives-the-journey-to-data-nirvana-2019-02-12/#respond Thu, 11 Mar 2021 05:24:28 +0000 http://see-concept.com/analytics-drives-the-journey-to-data-nirvana-2019-02-12/

The data equivalent of “nirvana” might be having affordable access to all the business intelligence you need to predict the optimal experience for an individual member, streamline operations, or solve business problems.

That’s the promise of data analytics, which uses mathematical algorithms to translate information into information and predict future behavior. Credit unions partner with vendors to shorten data development time and leverage solutions that are right for them.

A switch in perspective

Credit unions begin to move into ‘data nirvana’ when they stop looking at data through the rearview mirror that shows where it has already been, says Shazia Manus, director of strategy and business development for AdvantEdge Analysis, a supplier of the CUNA strategic services alliance. Data analysis focuses on looking through the windshield to see what to expect.

Manus says credit unions that engage in this process are transforming their business model by gaining the ability to contextualize and analyze data and information. This allows them to deliver personalized offers to members using a range of digital channels.

It also helps them identify member groups that hold the potential for deeper relationships. One example is finding out that millennials want a simplified route to a mortgage when buying their first home.

“We need to be more far-sighted when delivering experiences through the digital channel,” says Manus. “The only way to do this is to understand the consumer’s journey and their state of mind. Data analysis provides this information.

“We need to be more far-sighted when delivering experiences through the digital channel. “

Shazia Manus

A CUSO approach

Approaching, a credit union service organization (CUSO), has helped credit unions become data-driven since 2009 and provides a “collaborative analytics ecosystem” to credit unions with assets ranging from $ 40 million at over $ 4 billion, says Austin J. Wentzlaff, vice president, business development.

“A lot of the credit unions are trying to solve the same problems,” he says. CUSO’s approach minimizes the need to “reinvent the wheel” over and over in each case. This means that credit unions shouldn’t have to create the same integrations, reports, and models as their peers.

“The credit union community that works together has exponentially more resources than a single organization,” says Wentzlaff. “The OnApproach ecosystem aims to facilitate simplified collaboration around analytics to make credit unions, as a whole, more competitive in today’s financial services industry. “

Costs vary depending on the size. A credit union with assets of $ 500 million to $ 1 billion can start using data analytics through OnApproach for an initial base fee of $ 130,000 plus an annual fee of $ 40,000. These fees cover predefined reports and dashboards, as well as the installation of predefined forecasting tools and predictive models.

“This is a major breakthrough over traditional methods of data warehousing, which would require credit unions to spend $ 1-3 million over several years in hopes of building an isolated system that would then have to be maintained by the credit union, ”Wentzlaff said. .

Providing an industry-standard scalable platform allows OnApproach to reduce the time to implement a credit union to three months, says Wentzlaff. At the same time, credit unions need to understand what they want to do with data and change the culture for employees to use it.

“If you don’t have the culture that accepts data-driven decision making and accepts that data is part of everything we do, the technology will be harder to embrace,” says Wentzlaff.

Credit unions that overcome this barrier by gaining buy-in from across the organization are strengthening their data-driven culture with data analytics that are becoming ubiquitous throughout the organization, he says.

Overcome “disparate systems”

Ideal savings fund in Woodbury, Minn., began investing in data analytics to overcome the barriers of disparate systems that would otherwise keep information about its 50,000 members in separate silos.

“We wanted a solution where we could combine all of these disparate systems into one data warehouse for reporting and data analysis,” says Dennis R. Bauer, executive vice president / CFO of 730 Credit Union. millions of dollars.

A data warehouse would have been “prohibitively expensive” both in terms of tools and talent if the credit union had tackled the project on its own, says Bauer. Once the data was accessible, Bauer had an “oh wow” moment when he started using OnApproach’s analytics software to analyze member behavior.

Ideal began investing in third-party solutions that leverage its data warehouse to collect information and generate reports that help turn information into action. Examples include:

  • Giving members the opportunity to reduce their loan payments with CU RateReset, a CUNA strategic service alliance provider. Bauer says most members are eligible for the online service, which allows them to use a seamless connection from the credit union’s website to choose a loan and enter into a simple refinance deal that extends the term of the loan in order to to reduce their payment. Data analysis identifies eligible members for personalized loan offers, meaning no credit checks are required.
  • Allowing branches to track referrals via Raddon’s “Lead Builder” solution. Staff can use OnApproach’s M360 solution to monitor their incentives based on current benchmarks.
  • Using BankBI’s cloud-based solution enables the credit union to review financial information, brand and product production from any device, anytime, anywhere at a summary level or explore specific branches and / or products.
  • Using a solution from 2020 Analytics, a CUNA strategic service alliance provider, to comply with the Change in Current Expected Credit Loss (CECL) accounting rule governing the calculation of loan losses.
  • Development loan or deposit marketing campaigns based on member transaction information.

Bauer says credit union staff are involved in the use of data analysis, with two team members assigned to data analysis full-time.

Her advice for credit unions just starting a data warehouse project to maximize data analytics? “Take all the data you can, even if you don’t know what to do with it yet. “

3 steps to using data analysis

  1. Organize your data through a data warehouse that collects information from multiple systems, including vendors.
  2. Translate data into meaningful reports using data analysis software.
  3. Execute by turning data insights into action. This could mean solving a business problem, removing friction from operations, or making personalized marketing offers to members.

Source: AdvantEdge Analysis


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Wholesale Customs Clearance Introduces New Payment Plan http://see-concept.com/wholesale-customs-clearance-introduces-new-payment-plan/ http://see-concept.com/wholesale-customs-clearance-introduces-new-payment-plan/#respond Thu, 11 Mar 2021 05:24:28 +0000 http://see-concept.com/wholesale-customs-clearance-introduces-new-payment-plan/

If you are starting your first online selling adventure then you have two hurdles to overcome: where do you get your inventory from and how can you fund larger stock purchases to get your new business up and running faster. A new wholesale clearance payment plan backed by a finance company could be the answer to solving both of these issues.

Wholesale clearance are a business that does pretty much what the name suggests, selling bankrupt and surplus inventory, as well as end-of-line liquidations to individuals and businesses of all sizes. Wholesale inventory includes household goods, electrical appliances, clothing, jewelry, footwear, wholesale pallets and any other product sold in the UK. If you are an aspiring eBay seller, they always have new stock available for purchase.

Now the new wholesale payment plan is available for UK customers and for order amounts under £ 1,000.00 there is no credit check for funding – this is a guaranteed service with a minimum finance amount of £ 300.00. Essentially, you pay 25% of the order amount in advance and your order is delivered to you in its entirety. You then make three equal monthly payments to settle the balance.

This is an interesting proposition if you spot stocks for sale that you simply must have. Rather than buying smaller lots, this gives you the flexibility to fund a larger purchase over several months and start selling to pay off the balance.

The finance costs are very straightforward and easy to understand – there is a 5% administration fee that you can either pay up front or add to the amount borrowed. That’s it – no fees other than repayment of loan installments.

Currently the wholesale payment plan is only available over the phone and you can reach them on 0330 113 1636.


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Goodwill appoints new official | Mount. Airline news http://see-concept.com/goodwill-appoints-new-official-mount-airline-news/ http://see-concept.com/goodwill-appoints-new-official-mount-airline-news/#respond Thu, 11 Mar 2021 05:24:28 +0000 http://see-concept.com/goodwill-appoints-new-official-mount-airline-news/


DOBSON – Surry-Yadkin Works, the first such community internship program in North Carolina spanning a two-county region, is hosting a virtual kickoff on Tuesday, March 9 at 11 a.m. for anyone interested in learning more about this business and educational initiative.

To join the virtual meeting, enter bit.ly/SYWKickoff in your web browser to join the video conference. You might need to quickly download the Microsoft Teams app before joining the meeting.

Crystal Folger-Hawks, Surry-Yadkin Works Program Director, will provide an overview of the program followed by presentations from students from Katie Kellam, Elkin High School, Certified Nursing Assistant at the Northern Regional Hospital; Trevor Moxley, Starmount High School, maintenance intern at Unifi; Chloe Hunter, East Surry High School, e-commerce intern at Leonard USA; and Carlos Salmeron, Mount Airy High School, construction intern at Smith-Rowe LLC.

Business partners will share their experience with Surry-Yadkin Works, including Smith “Smitty” Williams, head of human resources at Unifi and Chris Lumsden, president and CEO of the Northern Regional Hospital. Cecilia Holden, President and CEO of myFutureNC, a statewide non-profit organization focused on academic achievement, will also be a guest speaker.

Surry-Yadkin Works started with 50 students placed on internships for the spring semester of 2021. The program is the collaborative effort of four public school systems in Surry and Yadkin counties, including schools in Elkin City. , Mount Airy Town Schools, Surry County Schools and Yadkin County Schools, as well as Surry Community College, to create a unique approach to an internship program.

The funding is also a joint effort with pledges from Surry County Commissioners and Yadkin County Commissioners. An anonymous contributor donated $ 100,000 following a presentation of the program at an educational summit. Surry-Yadkin Works officially began on January 1.

The first youth apprenticeship program for registered nurses in North Carolina began with 13 interns from Surry-Yadkin Works who began working as employees at the North Regional Hospital in January. Twelve of the students have been hired as certified practical nurses and one is employed as a patient care technician.

The students are: Laney Cave, Carrie McKeaver and Ashley Sewell from Surry Central High School; Jenny Cortes and Natalie Evans of Mount Airy High School; Tynlee Jones and Julie Marshall of East Surry High School; Katie Kellam of Elkin High School; Eryn O’Neal and Annsley Puckett of North Surry High School; Emily Santiago Orellana of Surry Early College High School; Anna Serrano of Starmount High School; and Reagan Wooten of Forbush High School.

This opportunity is part of the United States Department of Labor’s Apprenticeship Program and the state’s ApprenticeshipNC program through the NC Community College System Office, which combines a paid on-the-job learning experience with academics leading to national certification. These students have the opportunity to earn free tuition for Surry Community College’s Associate Degree Nursing Program, which allows students to become registered nurses.

37 other Surry-Yadkin Works interns work for companies and organizations in Surry and Yadkin counties. These students along with their high schools, work locations and job titles are as follows:

Mont Airy Haut School: Raydan Hawks, Chatham Nursing & Rehabilitation, Certified Practical Nursing (CNA) Intern and Carlos Salmeron, Smith-Rowe LLC, Triage Team Member.

North Surry High School: Luke Wagoner, Cedar Ridge Elementary, Trainee Guardian; Chris Parker, Vega Construction Company, project management intern; Emma Crouse and Emily Johnson, Chatham Nursing & Rehabilitation, CNA interns; Weatherly Reeves, Interlam Design, Social Media Marketing Intern; Megan Angel and Cainan Dollyhigh, operators of AutoCAD Johnson Granite; Caleb Doss, Johnson Granite, Manufacturer Intern; Mackenzie Yoder, Leonard USA, installation intern; and Leah Cain and Azeneth Espinosa, Surry County Schools, CNA interns.

East of Surry High School: Ripley Cottrell, Shoals Elementary School, Trainee Guardian; Chloe Hunter and Brianna Whitaker, Leonard USA, e-commerce interns; Hailey Flynn and Cassidy Hewitt, Surry County Schools, CNA Interns; and Victor Hall, Dobson Elementary, trainee guardian.

Surry Central High School: Morgan Dawson, Chatham Nursing & Rehabilitation, CNA Intern; Peggy Prevette, Shepherd’s House, Education Program Intern; Carter Jones, Surry communications, supply and storage intern; and Tiffany Payne, Surry County Schools, CNA Intern;

Surry Early College High School: Anahi Nunez, Altec, office automation intern; Estefania Camacho, Chatham Nursing & Rehabilitation, CNA intern; Matthew Gillespie, Interlam Design, CNC programmer; Leslie Nguygen, REF Properties, accounting / office automation assistant; Jesus Nava, Tampco, machine trainee; and Lesshawn Phillips, Workforce Unlimited, IT intern.

In addition, other students from Forbush and Starmount High Schools and Yadkin Early College High School are participating.

Students started their internships on January 11 and will work until May 14. They will receive high school or college credits for their employment as well as a monthly allowance for travel expenses.

For more information on the virtual launch program or event, contact Crystal Folger-Hawks at 336-401-7820 or folger-hawksc@surry.edu or visit www.surryyadkinworks.org. can follow Surry-Yadkin Works on Facebook and Instagram @surryyadkinworks and on Twitter @SurYadWorks.


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Broadband and moving – Everything you need to know http://see-concept.com/broadband-and-moving-everything-you-need-to-know/ http://see-concept.com/broadband-and-moving-everything-you-need-to-know/#respond Thu, 11 Mar 2021 05:24:28 +0000 http://see-concept.com/broadband-and-moving-everything-you-need-to-know/

Fortunately, most broadband service providers are happy that you move your service just like you move your furniture.

Use our postcode checker to see what’s available in your new area, then find out what to do about your current contract.

Moving with BT

What to do: BT’s website (www.bt.com) has a easy portal to request a move. All you need is your account number, current phone number, new address, and the move date. Take your equipment with you when you move – you can usually set it up yourself, unless a new line is needed.

How long does it take?: BT needs at least two weeks’ notice and recommends letting it know “as early as possible” – around six weeks before your move date should be fine. If there is already a line of work in your new home, it will start in a few days; but installing a new one could take two weeks.

Cost: Free, unless you need a new line installed.

Do i need a new contract? : If you are in the last three months of your current contract then yes you will need to renew it. Otherwise, your current contract will continue.

Can I still have fiber? : it depends what it is available in your new region, although BT Superfast Fiber has fairly wide availability.

Moving with Plusnet

What to do: Call Plusnet customer service (www.plus.net) with your username, move date and new address ready. However, if you have a broadband-only plan, set up your new phone line first – then contact Plusnet when you know the installation date.

How long does it take?: Transferring your Plusnet broadband takes about a week to fully organize, and even longer if an engineer needs to be booked, so call them about three weeks before your move date. Once everything is sorted out, you should be online at the end of your moving day, or at the end of your setup day if an engineer is called. You can watch free-to-air TV on your YouView box as soon as you move in and install it… but you will need broadband for catch-up and on-demand.

Cost: Free if you take out a new contract, but fees apply if you continue with the same. Additional charges apply additionally if you need a new line installed.

Do i need a new contract? : Not necessarily – but Plusnet encourages you to buy one.

Can I still have fiber? : If you are moving to a fiber area then yes. Since you’re encouraged to get a new contract anyway, it’s not difficult to arrange for an upgrade or downgrade if you need to. And if you go from standard broadband to fiber, Plusnet will provide you with a free router.

Moving with Sky

What to do: The sky has a portal to arrange a move through “My Account” on their website (www.sky.com). For Sky TV, remember that you’ll need a satellite dish – so if your new property doesn’t already have one, an engineer will need to come and install it.

How long does it take?: Sky needs at least two weeks’ notice, but you can book your move up to 90 days in advance. They’ll give you an install date and, provided everything else is sorted out, you should be online from that point on.

Cost: The transfer of the package itself is free, but any installation, such as a satellite dish, will cost extra.

Do i need a new contract? : No, you can continue your old one.

Can I still have fiber? : As long as you have a BT-enabled line in your new home, you should at least be able to get Sky broadband – but fiber is another matter, in which case you may need to renegotiate or renew your contract.

Moving with TalkTalk

What to do: You can organize your move through the TalkTalk website using its Moving portal – just make sure you have the full address of your new home and the date of your move. Once you’ve moved, you’ll also need to re-register and reactivate your TV2Go and Talk2Go apps.

How long does it take?: TalkTalk requires at least 14 days’ notice, but you can book your move up to three months in advance.

Cost: Free if you continue the same plan.

Do i need a new contract? : Not if you continue the same plan. If you need to change your services – for example, if you have fiber optic at your old home but can’t get it in your new home – you’ll need to sign a new contract.

Can I still have fiber? : Perhaps. If broadband fiber optic is available in your new area and you stick to it, that’s okay. If fiber isn’t available and you need to downgrade, that’s okay too – you’ll just get a new contract.

Moving with Virgin Media

What to do: Call Virgin Media customer service (www.virginmedia.com) to arrange a move and make sure you have your new and old addresses, move date, and account number handy. On moving day, take your equipment with you, as you may be able to set it up yourself.

Woman with box

Cost: There is an administration fee, although the installation itself is free. (Or you can pay an engineer to install it for you, if you prefer.)

Do i need a new contract? : Nope. You can keep your current contract or choose to upgrade.

Can I still have fiber? : Virgin Media cables don’t reach everywhere, so it depends on where you are traveling. If you find that you need to downgrade, Virgin Media encourages you to call and negotiate a new contract. But beware, your new home may not be able to connect to Virgin Media at all, in which case you will have to cancel your contract and possibly pay a cancellation fee.

What if I want to change supplier?

If you are in the minimum terms of your contract, now is a great opportunity to find an even better broadband deal for your new home. Enter your new zip code into our zip code checker and see what’s available or check out some offers:

* Average speeds are based on download speeds of at least 50% of customers during peak hours (8:00 p.m. to 10:00 p.m.). Speed ​​can be affected by a variety of technical and environmental factors. The speed you receive where you live may be slower than stated above. You can check the estimated speed of your property before you buy.

Broadband service providers are very eager for you to switch services – so much so that they will make the switch as easy as possible for you, even taking care to cancel your current service. TalkTalk, for example, prides itself on how easy it is to change, promising to send your welcome pack and be online within days.

Frequently Asked Questions

Can I keep my phone number when I move?

Yes, potentially, if you don’t stray too far. The only exception is Sky, which cannot transfer a phone number to another line.

Can I take my equipment with me?

Yes, in fact most vendors encourage you to take your equipment and may charge a fee if you don’t.

Will I have to change my plan?

Different providers offer a variety of services in different zip codes – so depending on what you are currently subscribed to, you may need to change your plan.

Most vendors ask you to get a new contract anyway, so it’s pretty easy – and you can take advantage of any open offers as well.

Can I upgrade my plan when I move?

Yes, when you enter into a new contract, you can certainly negotiate different services there – and while a new contract is not necessary, most vendors are happy to offer you an upgrade at any time.


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The ROAR store opens its doors http://see-concept.com/the-roar-store-opens-its-doors/ http://see-concept.com/the-roar-store-opens-its-doors/#respond Thu, 11 Mar 2021 05:24:28 +0000 http://see-concept.com/the-roar-store-opens-its-doors/


DOBSON – Surry-Yadkin Works, the first such community internship program in North Carolina spanning a two-county region, is hosting a virtual kickoff on Tuesday, March 9 at 11 a.m. for anyone interested in learning more about this business and educational initiative.

To join the virtual meeting, enter bit.ly/SYWKickoff in your web browser to join the video conference. You might need to quickly download the Microsoft Teams app before joining the meeting.

Crystal Folger-Hawks, Surry-Yadkin Works Program Director, will provide an overview of the program followed by presentations from students from Katie Kellam, Elkin High School, Certified Nursing Assistant at the Northern Regional Hospital; Trevor Moxley, Starmount High School, maintenance intern at Unifi; Chloe Hunter, East Surry High School, e-commerce intern at Leonard USA; and Carlos Salmeron, Mount Airy High School, construction intern at Smith-Rowe LLC.

Business partners will share their experience with Surry-Yadkin Works, including Smith “Smitty” Williams, head of human resources at Unifi and Chris Lumsden, president and CEO of the Northern Regional Hospital. Cecilia Holden, President and CEO of myFutureNC, a statewide non-profit organization focused on academic achievement, will also be a guest speaker.

Surry-Yadkin Works started with 50 students placed on internships for the spring semester of 2021. The program is the collaborative effort of four public school systems in Surry and Yadkin counties, including Elkin Town Schools, Mount Airy Town Schools, Surry County Schools and Yadkin County Schools, as well as Surry Community College, to create a unique approach to an internship program.

The funding is also a joint effort with pledges from Surry County Commissioners and Yadkin County Commissioners. An anonymous contributor donated $ 100,000 following a presentation of the program at an educational summit. Surry-Yadkin Works officially began on January 1.

The first youth apprenticeship program for registered nurses in North Carolina began with 13 interns from Surry-Yadkin Works who began working as employees at the North Regional Hospital in January. Twelve of the students have been hired as certified practical nurses, and one is employed as a patient care technician.

The students are: Laney Cave, Carrie McKeaver and Ashley Sewell from Surry Central High School; Jenny Cortes and Natalie Evans of Mount Airy High School; Tynlee Jones and Julie Marshall of East Surry High School; Katie Kellam of Elkin High School; Eryn O’Neal and Annsley Puckett of North Surry High School; Emily Santiago Orellana of Surry Early College High School; Anna Serrano of Starmount High School; and Reagan Wooten of Forbush High School.

This opportunity is part of the United States Department of Labor’s Apprenticeship Program and the state’s ApprenticeshipNC program through the NC Community College System Office, which combines a paid on-the-job learning experience with academics leading to national certification. These students have the opportunity to earn free tuition for Surry Community College’s Associate Degree Nursing Program, which allows students to become registered nurses.

37 other Surry-Yadkin Works interns work for companies and organizations in Surry and Yadkin counties. These students along with their high schools, work locations and job titles are as follows:

Mont Airy Haut School: Raydan Hawks, Chatham Nursing & Rehabilitation, Certified Practical Nursing (CNA) Intern and Carlos Salmeron, Smith-Rowe LLC, Triage Team Member.

North Surry High School: Luke Wagoner, Cedar Ridge Elementary, Trainee Guardian; Chris Parker, Vega Construction Company, project management intern; Emma Crouse and Emily Johnson, Chatham Nursing & Rehabilitation, CNA interns; Weatherly Reeves, Interlam Design, Social Media Marketing Intern; Megan Angel and Cainan Dollyhigh, operators of AutoCAD Johnson Granite; Caleb Doss, Johnson Granite, Manufacturer Intern; Mackenzie Yoder, Leonard USA, installation intern; and Leah Cain and Azeneth Espinosa, Surry County Schools, CNA interns.

East of Surry High School: Ripley Cottrell, Shoals Elementary School, Trainee Guardian; Chloe Hunter and Brianna Whitaker, Leonard USA, e-commerce interns; Hailey Flynn and Cassidy Hewitt, Surry County Schools, CNA Interns; and Victor Hall, Dobson Elementary, trainee guardian.

Surry Central High School: Morgan Dawson, Chatham Nursing & Rehabilitation, CNA Intern; Peggy Prevette, Shepherd’s House, Education Program Intern; Carter Jones, Surry communications, supply and storage intern; and Tiffany Payne, Surry County Schools, CNA Intern;

Surry Early College High School: Anahi Nunez, Altec, office automation intern; Estefania Camacho, Chatham Nursing & Rehabilitation, CNA intern; Matthew Gillespie, Interlam Design, CNC programmer; Leslie Nguygen, REF Properties, accounting / office automation assistant; Jesus Nava, Tampco, machine trainee; and Lesshawn Phillips, Workforce Unlimited, IT intern.

In addition, other students from Forbush and Starmount High Schools and Yadkin Early College High School are participating.

Students started their internships on January 11 and will work until May 14. They will receive high school or college credits for their employment as well as a monthly allowance for travel expenses.

For more information on the virtual launch program or event, contact Crystal Folger-Hawks at 336-401-7820 or folger-hawksc@surry.edu or visit www.surryyadkinworks.org. can follow Surry-Yadkin Works on Facebook and Instagram @surryyadkinworks and on Twitter @SurYadWorks.


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2021 Plusnet Broadband Review | Is Plusnet good? http://see-concept.com/2021-plusnet-broadband-review-is-plusnet-good/ http://see-concept.com/2021-plusnet-broadband-review-is-plusnet-good/#respond Thu, 11 Mar 2021 05:24:28 +0000 http://see-concept.com/2021-plusnet-broadband-review-is-plusnet-good/

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By Dan Howdle | Wednesday March 31, 2021

Yorkshire-based Plusnet is consistently behind its better-known rivals, with decent broadband speeds, great customer service and, most importantly, a budget offering.

Plusnet was acquired by BT in 2007, but is operated as a separate business, so its broadband offerings are often very different from those of its parent company.

This page will tell you everything you need to know about Plusnet Broadband, including what offers it offers, what to expect in terms of equipment, installation, customer service and specials, and whether the provider is made for you.

We will also show you the best deals currently offered by the brand, if you are looking for a new broadband service.

Is Plusnet good?

Good

  • Stellar customer service
  • Quick setup
  • Decent gift offers

The bad

  • First month payable in advance
  • Slower speeds than Virgin Media
  • Basic router with fiber-free offerings

Compare Plusnet broadband offers

Plusnet offers plenty of attractions, including consistently great customer service, competitive average upload and download speeds, and a quick setup that’s also free (the brand doesn’t charge any upfront fees to get you started).

While Plusnet cannot compete with the super-fast speeds offered by Virgin Media, average upload and download speeds are in line with all other major UK providers, and the brand is known for its affordability – always a winner in our delivered !

As with all broadband providers, Plusnet has some negative aspects. The brand is quite “no frills” and the standard ADSL broadband offer comes with a fairly basic router. However, occasionally you’ll see a reward card, cashback, or Amazon gift card.

That being said, if you don’t mind going without the bells and whistles, Plusnet’s excellent customer service keeps its customers smiling and online – surely that’s a deciding factor?

Introducing Plusnet Broadband

Here’s a look at what you can expect to find in a Plusnet broadband offering:

Download speeds 10 Mbps, 36 Mbps, 66 Mbps
Download speeds 1Mbps, 9Mbps, 18Mbps
Broadband ADSL & Fiber
Phone Yes
Gifts to look for Reward Cards, Free Activation
Packages available Broadband, Broadband and telephone, Broadband and TV
Router Hub Zero, Hub One
Duration of contracts 12 months, 18 months
Price from £ 18.99 per month

Compare Plusnet broadband offers

Average speeds of Plusnet

Plusnet offers broadband with a choice of three speeds:

Unlimited broadband: Plusnet’s standard / ADSL offering offers average download speeds of 10 Mbps. This offer is ideal for daily internet use on a few devices, but will not meet your needs if you regularly stream content or play games online.

  • Unlimited broadband Plusnet

    • 10MB average speed

    • Unlimited use

    • PAYG calls

Unlimited fiber: The brand’s entry-level fiber offering offers average download speeds of 36Mbps. The package is ideal for multitasking on multiple devices in a mid-sized household, where people regularly watch TV and play online games.

  • Unlimited fiber broadband Plusnet

    Sharper

    • 36MB average speed

    • Unlimited use

    • PAYG calls

Unlimited extra fiber: Customers of the brand’s first-level fiber optic offering can access average download speeds of 66 Mbps. This is perfect for a larger household where members compete for internet connection, download large files, play games, or stream online content on a daily basis.

  • Unlimited fiber Plusnet Extra

    Sharper

    • 66MB average speed

    • Unlimited use

    • PAYG calls

You don’t know which package to choose? Our guide to deciding on the broadband speed you need has all the answers.

Download speeds

Download speeds tell you how fast you can copy or send data from your devices to the internet, cloud storage, or other devices. For most of us, download speed is slower than upload speed because we stream more data than we send.

Those of us who work from home may be more interested in download speeds, perhaps if you regularly store or share large documents online.

Unlimited broadband from Plusnet has an average download speed of 1 Mbps.

Unlimited fiber has an average download speed of 9 Mbps.

Unlimited extra fiber has an average download speed of 18 Mbps.

Compare Plusnet broadband offers

Plusnet Packages

All offers also include a landline phone connection, with Pay As You Go (PAYG) calls included, as standard. You can also add a range of different calling plans to your broadband offering if you regularly use a landline, such as free evening and weekend calls to UK landlines and mobiles or unlimited calling free on weekends.

The rental of the line is included in your monthly payments and you can spread your offer over 12 or 18 months.

Features such as 1571 Voicemail and Voicemail Extra can also be added to your plan for an additional monthly fee.

Customers looking for a TV service can subscribe to a YouView box with Plusnet. This gives access to 80 Freeview channels, as well as BT Sport Lite, and the ability to access streaming services such as Netflix, NOW TV and BBC iPlayer. Keep in mind that the TV service is only available to Fiber Plusnet broadband customers.

Plusnet broadband customers can add BT Sport or BT Sport HD to their existing broadband plan for an additional monthly fee, then watch the channel through the BT Sport app on your phone or stream it to your TV if you have a Google Chromecast. or some other little kit. The app is also available on your tablet, Xbox, PlayStation, Apple TV, or Samsung TV.

All plans include Plusnet Safeguard, a free tool with many features to keep your family safe online.

Routers and installation

Routers

All Plusnet broadband clients receive a router which can be quickly and easily auto-installed. If you are an Unlimited Broadband customer (standard / ADSL), you will benefit from a Zero Hub, a basic model adapted to the lower speeds that you will receive.

Fiber broadband customers will receive the Plusnet Hub One, which has four Ethernet ports and two wireless antennas for 2.4 GHz and 5 GHz Wi-Fi connections. The Hub One is a much better device than the Hub Zero, making it a much better choice for large households due to its extra range.

You can always choose to use your own router, although Plusnet does not recommend this and will not be able to help you with technical issues if you are using a model they did not provide.

Plusnet Broadband Router

Installation

Plusnet customers have to pay an activation fee to get their broadband up and running, which is sometimes waived as a special offer. Activation typically takes 5-10 business days if you set it up from scratch, and a minimum of 10 business days if you switch from another broadband provider.

In some cases, an engineer may need to install a new phone line on your property if you don’t already have one, or if you are switching from cable service. Otherwise, you will receive a router close to the agreed activation date that can be easily self-installed.

Plusnet warns you that you will likely see your broadband speed vary in the first 10 days as their system runs tests to find the best speed for your service. You may also experience sudden disconnections during this time.

For more on what to expect, read our guide on setting up broadband.

Customer service

Plusnet consistently scores exceptionally well in customer service surveys and has won numerous awards for supporting customers when the going goes wrong.

The brand’s UK-based contact center is open via Live Chat or by phone on 0800 432 0200, 8 a.m. to 8 p.m. Monday to Friday, 9 a.m. to 7 p.m. Saturday and 9 a.m. to 6 p.m. Sunday, 365 days per year.

It’s free to call Plusnet customer service, but with the answers to many common questions listed on the website, you might find that you don’t need to make the call at all.

The brand also came out on top for customer service in The latest Ofcom report – 93% of their customers are satisfied with the services they get from Plusnet.

Offers and offers

Every now and then Plusnet offers cash back or vouchers as incentives for new customers, so watch out for those. In general, however, this is a no-frills brand that likes to keep their monthly prices as low as possible, including low or no setup fees. For this reason, you are unlikely to be offered any great value free gifts or awesome money back offers.

Below is a sample of the best deals on offer.

Our verdict

With affordable offerings at competitive speeds and a reputation for unparalleled customer service, Plusnet is a broadband service provider with many attractive qualities.

While not a great choice for TV enthusiasts and doesn’t offer an exciting rage for freebies like some brands, the Yorkshire-based provider is a solid choice for unadorned, reliable broadband delivery. and economical.

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Wilbur Ross says government workers should just get loans, but it’s not that easy http://see-concept.com/wilbur-ross-says-government-workers-should-just-get-loans-but-its-not-that-easy/ http://see-concept.com/wilbur-ross-says-government-workers-should-just-get-loans-but-its-not-that-easy/#respond Thu, 11 Mar 2021 05:24:28 +0000 http://see-concept.com/wilbur-ross-says-government-workers-should-just-get-loans-but-its-not-that-easy/

Members of the Federal Air Traffic Controllers Union protest the partial shutdown of the U.S. federal government at a rally at the U.S. Capitol in Washington, Jan. 10, 2019.

Jonathan Ernst | Reuters

Commercial secretary Wilbur ross said he is perplexed why hundreds of thousands of government workers on leave who don’t receive paychecks don’t go to their bank and take out a personal loan.

It turns out it’s not that easy.

The extended shutdown is set to deal another financial blow to government employees who are expected to miss their second paycheck on Friday. Although many of the country’s largest banks have implemented relief measures, few offer personal loans with special terms for workers on leave. Many do not offer small personal loans as a product at all.

“The 30 days of pay that people will be missing – there’s no real reason they can’t get a loan against that, and we’ve seen a number of announcements from financial institutions do so.” Ross told CNBC “Scream Box“Thursday.

Wells Fargo, JP Morgan Chase, Bank of America, and Citigroup have tried to anticipate the issue and reach out to customers they’ve identified as federal employees through mail, email, and social media to let them know their options. relief. However, most of these assistance programs are on a case-by-case basis which requires the customer to initiate the conversation via a phone call to a dedicated number. Bank of America, JP Morgan and Wells Fargo have said that if a customer takes advantage of any of these options, the bank will not report it to the credit bureaus.

Here’s what the Big Four U.S. Banks are offering to employees on leave:

Bank of America

Bank of America does not offer personal loans as a product, so it is not an option for workers on leave. However, the bank has a dedicated customer support hotline that government employees can call and receive various relief options offered by the bank.

For example, for a credit card holder experiencing cash flow problems, one option might be to deposit the available credit amount in cash into a checking account at an interest rate of zero percent for a period of up to at six months. Another option offered by the bank is a zero percent interest rate on retail purchases made with a credit card for necessities such as groceries, gasoline, or school supplies.

In addition, Bank of America can defer car loan payments for up to two months and defer mortgage and home equity loan payments for up to three months.

Almost two weeks ago, Bank of America sent emails to 260,000 customers identified as federal employees urging them to call the dedicated support hotline. To date, more than 16,000 clients have called asking for temporary relief options.

In recent days, the bank has seen a noticeable increase in the volume of calls from workers on leave, according to a Bank of America spokesperson.

(Hotline: 844-219-0690)

Wells fargo

Wells fargo is one of the banks that offers personal loan as a product. However, for the moment, a zero-rate or reduced-rate personal loan is not one of the relief measures available to workers on leave. In order to get a loan, they will need to qualify like any normal applicant.

However, the bank works with affected customers in other ways.

Currently, if a customer had a paycheck deposited directly to a Wells Fargo account from November 2018, the bank will automatically waive the monthly service charge and any overdraft or insufficient funds charges on that account. Wells Fargo will also automatically waive and remove late charges on credit accounts, including consumer and small business credit cards, auto loans, personal lines and loans, student loans, small business loans. , home equity loans and mortgages.

For government employees struggling to pay off their mortgages, home equity, or non-mortgage products, options include a 90-day short-term forbearance plan or a 30-day extension. the payment due date, depending on the product. These options are not provided automatically and are handled on a case-by-case basis after the customer calls Wells Fargo.

According to a spokesperson, about two weeks ago, the bank sent about 700,000 emails to customers identified as federal government employees. As of Jan. 22, Wells Fargo has provided payment assistance to more than 14,000 customers who have called to request relief, she said. In addition, the bank has granted more than $ 2.6 million in fee waivers.

(Hotline: 800-219-9739)

JPMorgan Chase

JPMorgan Chase does not offer personal loans as a product, so it is not an option for government employees on leave. However, any Chase customer affected by the shutdown – including government contractors and affected small business owners – could be eligible for some form of relief.

As of December 24, the bank will automatically reimburse overdrafts and monthly service charges for any Chase checks and savings customers that the bank has identified as working for an affected federal agency.

In addition, the bank offers loan clients relief from late fees and works one-on-one with clients who call the Chase special helpline to speak to a specialist.

JP Morgan has provided assistance in one form or another to nearly 30,000 customers, who are a combination of those who called for help and those identified by the bank as federal employees, who automatically received help.

In the event of an extended shutdown, JP Morgan could offer additional options to eligible customers, according to a spokesperson for the bank.

(Direct line: 1-888-356-0023)

Citigroup

Citigroup, which provides travel cards to federal agencies, also rolled out a special government shutdown assistance program for federal employees. This program includes the elimination of late fees up to 10 days after the end of the closure and the prevention of suspension or cancellation of accounts.

Citi cardholders in good standing may also benefit from late charge refunds or waivers, interest charge waivers, line of credit increases, as well as collection forbearance programs and settlement. The bank also automatically reimburses any monthly service or overdraft fees for customers who are federal employees with direct deposit accounts with the bank.

(Hotlines: Citi Cards: 1-800-950-5114; Citibank: 1-888-248-4226; CitiMortgage: 1-877-211-3758)

Other options

The USAA is offering a low-interest loan that current members can repay over the next 12 months at an APR of 0.01, according to the spokesperson. But the loan is subject to credit approval.

Navy Federal Credit Union, whose members work in the Coast Guard and other armed services and government agencies, has an interest-free loan program that will cover half of a missing paycheck for up to $ 6,000 per period. pays with no credit check required. The catch is that workers can’t access the loan program if they don’t already have a direct deposit account.

Some 19,000 of the 100,000 Federal Navy members eligible for the program signed up to have their first paycheck covered earlier this month and more are expected to sign up to cover this week’s check, said a spokesperson. He did not want to reveal how much money had already been disbursed.

Pentagon Federal Credit Union, with 1.7 million members, offers two offers. For affected workers who already have a direct deposit account, it offers an interest-free advance on an overdrawn line of credit in the amount of the last paycheck up to $ 6,000. This is available for those who have been a PenFed member for 12 months and have direct deposit from an agency on leave.

PenFed also offers an unsecured fixed rate loan for any affected federal worker. But this is subject to income verification and credit guidelines.

SunTrust, a regional bank in the Southeast, is offering a 90-day interest-free, payment-free loan to affected workers who are the bank’s customers at the end of December. The loans are from $ 3,000 to $ 10,000, subject to certain credit conditions.

– With report of Liz Moyer


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San Diego Community News Group http://see-concept.com/san-diego-community-news-group/ http://see-concept.com/san-diego-community-news-group/#respond Thu, 11 Mar 2021 05:24:28 +0000 http://see-concept.com/san-diego-community-news-group/

A double rainbow recently hung from the infamous Windansea Beach Surf Shack, which is still going strong today. Photo by Jim Grant.

slideshow

Sometimes a cabin is more than just a cabin.

Unless you are a surfer or a local you might not be familiar with the famous La Jolla Surf Shack in Windansea Beach located below Neptune Place at the west end of Westbourne, Nautilus and Bonair streets.

Besides its remarkable surf, Windansea Beach features a hut covered with palm leaves planted in the sand along the shore. It was designated a Historic Landmark by the San Diego Historical Resources Board on May 27, 1998. According to historians and surfers, the cabin was built in 1946 by local San Diego surfers. Woody Ekstrom, Fred Kenyon and Don Okey.

Throughout the 1940s Windansea Beach was considered the ultimate place for surfing, as well as the training of the Windansea Surf Club.Before the club was formed, it was said that they visited the surf spot in the 1960s and founded the club so that they could participate in a surfing contest in Malibu.

During its heyday, the areas were also a venue for Polynesian luau beach parties in the 1940s and 1950s.

Nowadays

Today, Windansea Beach is still home to the San Diego’s beach culture and is widely respected by locals as a sacred place. However, well known as he is, he has kept a rather low profile. If you go, be aware that parking spaces are limited and that there are no public facilities such as water fountains, toilets or showers.

However, surfers still come from afar to this famous beach to ride the same surf that many famous surfers once did.

La Jolla Historical Society historian Carol Olten said the Surf Shack itself is unusual for the simple fact that “it has a historical designation. I don’t know how many surf shacks in the world have such a designation, but ours does.

She said what makes it even more special is that surfers Woody and Carl Ekström, as well as many old surfing families in La Jolla and the surrounding area, are connected to the structure.

There was also “Woody” Parker Brown who was kind of a mystic from the east coast and when he suddenly saw the waves he became a world class surfer, ”she said. “Then he started building hang gliders and became a world class hang glider and surfer. “

She added that Woody and Carl Ekstrom were “well known in the surfing world, and Woody is now 90 years old and lives in North County while Carl has become world famous for his surfboard building”.

Olten, like many, said the Surf Shack periodically collapses or a wave catches it and needs to be rebuilt, but it’s good for the locals.

“I think if you tell surfers about it, they realize that the Surf Shack has a great history and that there is something charismatic about Windansea Beach. I also think you have to be a surfer to really appreciate it.

Olten recalls how she used to lie on the beach to sunbathe when she first moved to La Jolla in the mid-1960s.

Back then the surf crowd was small but then Gidget the films have come, ”she said. “After that there was a change and the surf got big and even bigger. Then Tom Wolfe wrote his book [‘The Pump House Gang,’ 1968] and blew the culture out of proportion. Some surfers were upset and many were upset. “

Sacred hut

Longtime surfer Bird Huffman, 62, who also owns Bird’s Surf Shed at 1091 boul. West Morena in San Diego, stated that the Surf Shack is indeed sacred to surfers.

Huffman was born and raised in San Diego and has said he “went to the beaches of La Jolla since day one”.

The Windansea Shack has always been a part of my life since I started surfing 50 years ago, ”he said. “It was one of many structures built along the California coast by the original few true surfers. Because it’s right across from one of California’s top surf spots, [that] has always guaranteed its respect and popularity.

While there have been camps everywhere – San Onofre and Malibu – I think Windansea’s Surf Shack has more prestige, ”continued Huffman. “The fact that the Windansea Surf Club is linked to it also gives it its own notoriety throughout the world. “

As well as being a historic landmark, the area and the Surf Shack have served as the base for many events such as weddings, funerals, and memorial paddle trips, as well as daily use for hiding from the sea. ‘shade and relax, Huffman added.

Durability

Like Olten, Huffman said the Surf Shack has been ravaged by bad weather time and time again over the decades, but is still being rebuilt and / or repaired.

Certainly, although it has been run over and suffered severe storms, it continues to be maintained by local surfers and members of the Windansea Historical Association and Windansea Surf Club, ”said Bird.

He said when that happened the Surf Shack would be demolished and then set back due to the extremely high tides.

The locals sometimes defend it by removing the palm leaves from the wooden structure so that there is not such a drastic impact in a storm, ”he said.

Additionally, Huffman said the beams have been replaced periodically, but it’s unclear whether a solid piece of the original cabin remains.

Even though it is a fundamental structure, many local families in La Jolla have observed it over the years and have tried to hold it in place with chains, ropes and surveillance so that it not be doomed or destroyed, ”Huffman said.

He added that there used to be “many large cabins along the coast, but as the 1960s and 1970s arrived, the liability also increased and they were demolished.”

“… But people here have taken a real interest in making the Surf Shack a landmark. They wanted to leave something original in this city and give a nod to what it was and what it was like in a simpler time.

As to what the original builders might feel today knowing their structure is alive and well, Huffman said, “Until they passed away, most of them visited it regularly and I think they would appreciate it. their achievement. It is a generational thing, so it is assured preservation and respect.


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Black Sails back on Amazon Prime Instant http://see-concept.com/black-sails-back-on-amazon-prime-instant/ http://see-concept.com/black-sails-back-on-amazon-prime-instant/#respond Thu, 11 Mar 2021 05:24:28 +0000 http://see-concept.com/black-sails-back-on-amazon-prime-instant/

The first season only became available on that country’s film and television streaming service after each episode aired on the Starz cable and satellite channel in the United States, but the second season
episodes will appear every Sunday, mirroring the weekly release schedule of other series exclusive to Amazon Prime Instant Video in the UK, such as Constantine and Vikings.

Chris Bird, Director of Film & Television Strategy at Amazon Instant Video, said: “Incredibly popular among Amazon Prime Instant Video customers, Jonathan E Steinberg, Robert Levine, Michael Bay, Brad Fuller and Andrew Form delivered a first exceptional season of Black Sails. We are excited to see what awaits viewers as this exciting new season unfolds. “

Black Sails is a prequel to Robert Louis Stevenson’s classic novel Treasure Island. Set 20 years ago, it tells the story of the legendary pirate captain Flint, “the most brilliant and feared pirate captain of his time”.

The series stars Toby Stephens as the lead, Zach McGowan as Charles Vane, Luke Arnold as Long John Silver, Hannah New as Eleanor Guthrie, owner of a salon in the Fortress of the Pirates of Nassau and Hakeem Kae-Kazim as his advisor, Mr. Scott.

You can get Amazon Prime Instant Video by becoming an Amazon Prime customer, which costs £ 79 per year and gets you one-day delivery of a lot of things from Amazon, or by subscribing directly, which costs £ 5, £ 99 per month. And you can try it free for 30 days as long as you unsubscribe when your time is up.

Source:
TVWise

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