Top News
Debt collectors see coronavirus as a golden opportunity
In April, the Los Angeles City Council unanimously passed a resolution calling for a debt collection moratorium until the pandemic subsided. Besides, people are already quite worried.
The action was not carried out anywhere due to legal issues. But it is a tool for our civic leaders to quickly recognize what will soon appear to many people with bills to pay.
Consumer advocates say debt collectors have grown more aggressive because orders remain at home in California and across the country making it easier for them to contact, and sometimes harass, people who owe money.
Christine Hines, legislative director for National Assn. Consumer Advocates, said he believes “debt collection will only increase in the coming months” as millions of Americans struggle to make ends meet amid job losses and salary cuts.
“The pandemic does not change how rude debt collectors are, it just shows that they are able to do more harm to vulnerable consumers than we thought,” he told me.
It is understandable why debt collectors improve their game. Consumer debt reached a record $ 14.3 trillion in the first quarter – and that was, in large part, before the coronavirus was successful.
Economists say debt has almost certainly grown since then after tens of millions of Americans lost their jobs and many saw their salaries cut.
U.S. Department of Labor reported last week that the unemployment rate was now 13.3% – although it said it would be as high as 16.3% if data collection errors were recorded.
At present, the debt collection report is largely anecdotal booster. A spokesman for the Federal Trade Commission said the official calculation of complaints from consumers will not be available until the end of the month.
But there is no dispute that the hard times.
Outstanding financial obligations must now compete with paying rent or mortgages, buying food and covering medical expenses.
California Governor Gavin Newsom signs executive order in April temporarily blocked debt collectors from decorating cash from federal stimulus payments made to households amid a pandemic. He also decided that payments on most student loans could be postponed, without penalty, for 90 days.
“Californians are reeling from the financial impact of COVID-19,” Newsom said. “The last thing they deserve is to see more money being held when they try to put food on the table and pay their rent or mortgage.”
ACA International, a leading trading group that represents debt collectors, said its members were misunderstood.
Mark Neeb, the organization’s chief executive, said in a statement that debt collectors “remain committed to consumers,” and that the industry has responded to the COVID-19 pandemic with “compassion and empathy.”
Kiran Sidhu, a policy adviser at the Center for Responsible Lending, could not help laughing when I told him.
“They are just trying to protect their profits,” he said, adding that he hoped the industry would become stronger in the pursuit of consumers as the pandemic continued.
Case in point: Debt collectors have explained that they don’t like a suggestion from the Consumer Financial Protection Bureau which will require the industry to notify consumers that their debt restriction laws may have passed.
In California, the statute of limitations for the majority of consumer debt is four years. After that amount of time, a collector can still chase you, but they cannot take you to court (or if they do, you can cancel the case).
This may be news to many people, not least because debt collectors often imply or state that if you don’t cough, you will be sued regardless of how long your debt lasts.
Changes to the CFPB rules will also require collectors to tell people that if they even make a very small partial payment, it can restart legal hours and make you vulnerable again to lawsuits.
Neeb said determining whether a debt restriction law has passed is “not always a simple question” and could be a burdensome requirement for the collection industry.
That said, debt collectors would rather not have to do more homework. They would rather spend their time interrupting people’s dinners and scaring them about the dangers of the law and financial disasters.
When job loss increases, the FTC issues a the latest reminder that consumers have rights based on Fair Debt Collection Practices Act.
“If there are too many collection calls, you can stop them,” the agency said. “Just send to the mail collector who tells them to stop contacting you.”
That won’t eliminate your debt, the FTC noted, “but stopping the call can give you time to regroup, then start working your way towards financial recovery.”
Some other things to remember:
- Debt collectors are prohibited by law from calling you before 8 am or after 9 pm. unless you authorize them to do so (Don’t).
- The collector must show written proof of financial obligations if you request it.
- No collector is permitted to verbally abusive you, use language that is disrespectful or misrepresents their status, such as falsely claiming to be a lawyer or government official.
- If you feel you have been treated unfairly, contact the state attorney general’s office, FTC, CFPB, or all of them.
That debt collection moratorium I mentioned above was introduced by L.A. City Councilor Monica Rodriguez. It asked Mayor Eric Garcetti to declare debt collectors “business unimportant” during the pandemic and thus temporarily prevent them from operating within the city limits.
“The family has struggled and experienced economic trauma,” Rodriguez told me. “We don’t need repo officers showing up at the door and taking assets.”
The mayor’s office replied that although the sentiment behind the proposal was laudable, City Atty. Mike Feuer questions the legality of displacement and whether city officials have jurisdiction over collection agencies outside the country.
But do not worry. You can still count on all the compassion and empathy promised by debt collectors.
General internet buff. Hardcore music maven. Typical foodaholic. Friendly student.
Acrylic nails are a popular choice for those looking to add length, strength, and style to their natural nails. Whether you’re new to the world of acrylics or a seasoned nail enthusiast, there are always questions that arise about the application, maintenance, and overall care of these enhancements. This guide will answer all your acrylic nail questions to ensure your next manicure is a complete success.
What Are Acrylic Nails?
Acrylic nails are artificial nail enhancements made from a mixture of liquid monomer and powder polymer. When combined, they form a hard protective layer that can be molded into various shapes and lengths. Once hardened, they provide a durable and long-lasting canvas for nail polish, art, or simply a natural look. For more in-depth information, check out Acrylic Nail FAQs to get all the details you need before your next salon visit.
How Are Acrylic Nails Applied?
The application process of acrylic nails begins with the preparation of your natural nails. The nail technician will clean your nails, file them down, and apply a bonding agent to help the acrylic adhere. The acrylic mixture is then applied in thin layers, sculpted to the desired shape, and allowed to dry. Once set, the nails are filed, shaped, and buffed to a smooth finish.
Acrylic nails can be customized in terms of length and shape, making them a versatile choice for anyone looking to enhance their look.
How Long Do Acrylic Nails Last?
Typically, acrylic nails can last anywhere from two to three weeks before requiring a fill. During a fill, the nail technician will replace any grown-out acrylic and maintain the structure of the nails. With proper care, acrylic nails can be worn for extended periods, but it’s essential to give your natural nails a break occasionally to maintain nail health.
How Do You Care for Acrylic Nails?
Caring for acrylic nails is crucial to ensuring they last as long as possible and that your natural nails remain healthy underneath. Here are some essential tips:
- Avoid excessive water exposure: Prolonged exposure to water can weaken acrylic nails, making them prone to lifting or damage. When washing dishes or cleaning, consider wearing gloves to protect your nails.
- Moisturize cuticles regularly: The acrylic application process can sometimes dry out your cuticles. Regularly apply cuticle oil to keep your cuticles hydrated and prevent hangnails.
- Be gentle with your nails: Acrylics can be strong, but they’re not indestructible. Avoid using your nails as tools to open packages or scrape things, as this can lead to breakage.
- Schedule regular fills: As your natural nails grow, gaps will appear between the acrylic and your cuticles. Regular fills ensure your nails maintain a smooth, polished look and help prevent lifting.
How Do You Remove Acrylic Nails Safely?
Proper removal is crucial to avoid damaging your natural nails. It’s highly recommended to have acrylics removed by a professional at the salon. However, if you prefer to remove them at home, follow these steps:
- Soak in acetone: Start by soaking a cotton ball in acetone, then place it on each nail. Wrap your fingers in aluminum foil and allow the acetone to work for about 20 minutes.
- Gently scrape off the acrylic: After soaking, use a cuticle pusher or an orange stick to gently scrape off the softened acrylic. Be patient and avoid forcing the acrylic off, as this can damage your natural nails.
- Buff and moisturize: Once the acrylic is completely removed, buff your natural nails to smooth out any rough spots and apply cuticle oil to restore moisture.
Are Acrylic Nails Safe for Your Natural Nails?
When applied and removed properly, acrylic nails should not cause significant damage to your natural nails. However, improper removal or overuse without giving your nails time to breathe can lead to thinning, weakening, or breakage of your natural nails.
If you plan on wearing acrylic nails long-term, it’s a good idea to take breaks between applications and ensure you’re nourishing your nails with oils and treatments.
What Are the Best Acrylic Nail Shapes?
Choosing the right nail shape is essential for creating a look that complements your hands. Some of the most popular acrylic nail shapes include:
– Square: A straight-edged, classic look perfect for shorter nails.
– Oval: A soft, rounded shape that elongates the fingers.
– Coffin: Also known as ballerina shape, this trendy look features a tapered edge with a flat tip.
– Stiletto: A dramatic, pointy shape ideal for those who want a bold statement.
Each shape offers a unique aesthetic and can be tailored to suit your personal style.
Are There Any Alternatives to Acrylic Nails?
If you’re looking for a different type of nail enhancement, consider these alternatives:
– Gel nails: Gel nails offer a glossy finish and are cured under UV or LED light. They’re less rigid than acrylics and can feel more natural.
– Dip powder: This method involves dipping the nails into a colored powder and sealing them with a clear coat. It provides a similar look to acrylics but is generally less damaging to the natural nails.
Conclusion
Acrylic nails are a versatile and durable option for achieving customized, beautiful nails. By understanding the application process, knowing how to care for them, and safely removing them, you can enjoy long-lasting manicures that enhance your style. With the ability to choose from a variety of shapes and designs, acrylic nails offer endless possibilities for self-expression. Remember to take care of your natural nails in between applications to keep them healthy and strong. Whether you’re a first-time user or a seasoned pro, acrylic nails can be a fantastic way to express your personality and keep your nails looking flawless for weeks.
Proud web evangelist. Travel ninja. Creator. Freelance food nerd. Passionate bacon fanatic.
When sanctions were imposed on Russia for its war against Ukraine, their objectives were twofold: to reduce Russian military capacity by limiting modern weapons and to lower Russian revenue streams. While in the beginning, the sanctions indeed weakened the Russian economy, they have fallen short of their initial objectives – mostly because Russia has found ways to circumvent many of them. The Kremlin has exploited international corruption, relied on foreign third parties, and utilized loopholes in trade restrictions. One such individual who allegedly provides services to Russian-linked companies is Jacqueline Troost Omvlee, a Geneva-based Dutch citizen.
Jacqueline Troost Omvlee is married to Niels Troost, an oil trader sanctioned by the United Kingdom. He and his company, Paramount Energy & Commodities SA, are among the 50 individuals and organizations blacklisted in response to the business connections with Russia. His wife, Jacqueline, helps to facilitate financial transactions for Niles Troost and Russian oligarchs including Gennady Timchenko, a Russian billionaire oil trader and Putin`s close associate.
Gennady Timchenko and his family have been sanctioned in many countries for backing the Kremlin’s war machine. However, with the help of Jacqueline Troost Omvlee, he seems to find ways to evade sanctions and continue his financial operations. In these illegal schemes, individuals like Jacqueline often serve as a front person for sanctioned oligarchs and their business assets. Russian-linked companies set up subsidiaries around the world, often registering new entities in offshore havens or countries where regulations are relatively lax or non-existent. To obfuscate the arrangements, the daughter companies spawn offspring in the form of subsidiaries, as the chain of concealment stretches on and on. The result is like a giant Matryoshka doll.
Jacqueline’s involvement in financial transactions that potentially support Timchenko’s interests raises significant concerns about the efficacy of Western sanctions. The fact that Jacqueline Troost Omvlee continues to operate without facing sanctions herself highlights a significant loophole in the enforcement mechanism. Various shady schemes and tactics designed to circumvent sanctions often hide the activity of individuals such as Jacqueline, making it difficult for authorities to detect and punish them for their involvement.
Jacqueline Troost Omvlee’s role in her husband’s financial dealings as well as her alleged ties to Russian business schemes, emphasizes the need for stronger international sanctions. Her actions not only aid in sanctions evasion but also diminish the overall effectiveness of the measures designed to isolate and pressure those supporting the Russian regime. Therefore, sanctioning Jacqueline Troost Omvlee is not only a matter of addressing her individual actions but also a necessary step to reinforce the credibility and effectiveness of the sanctions regime. By targeting individuals who play a key role in evading sanctions, authorities can send a strong message that efforts to undermine international sanctions will not go unpunished. This measure is crucial for maintaining the integrity of the sanctions system and ensuring that it achieves its intended goal of isolating and restraining those who support destabilizing activities.
European countries and the US need to expand their sanctions-tracking and investigative actions to improve the monitoring of sanctions compliance and to introduce new measures against systematic violators of law. The sanctioning states have the resources and capacity for this, and need to take action now.
Proud web evangelist. Travel ninja. Creator. Freelance food nerd. Passionate bacon fanatic.
Ensuring a long and healthy life for your Hermann’s Tortoise requires a combination of proper care, nutrition, and habitat management. Hermann’s Tortoises, known for their charming personalities and distinctive shells, can live for several decades with the right conditions. Understanding their needs and providing a suitable environment is key to helping them thrive. Here’s how you can support your Hermann’s Tortoise in living a long, happy life.
Creating an Optimal Habitat
One of the most critical factors in promoting the longevity of your Hermann’s Tortoise is the creation of a suitable habitat. Providing an environment that mimics their natural surroundings is essential for their overall health. An appropriate habitat helps prevent stress and supports their well-being. For detailed guidance on setting up an ideal habitat, including specific requirements for outdoor enclosures, visit this comprehensive guide on Habitat for Hermann’s Tortoise.
- Outdoor Enclosure: Hermann’s Tortoises thrive in outdoor enclosures that provide ample space to roam, bask, and forage. An outdoor setup should include a secure, predator-proof area with access to natural sunlight. Incorporate areas for basking and shade to allow the tortoise to regulate its body temperature. Additionally, include plants, rocks, and hiding spots to simulate their natural habitat and encourage natural behaviors.
- Indoor Habitat: If an outdoor enclosure is not feasible, an indoor habitat can also support a long lifespan if set up correctly. Use a large, well-ventilated enclosure with appropriate heating and UVB lighting. Provide a substrate that allows for burrowing and offer various hiding spots and enrichment items.
Diet and Nutrition
A balanced diet is vital for maintaining the health and longevity of your Hermann’s Tortoise. They are primarily herbivores, and their diet should reflect their natural feeding habits.
- Leafy Greens: Offer a variety of leafy greens such as kale, collard greens, and dandelion greens. These vegetables provide essential vitamins and minerals that support overall health.
- Vegetables and Fruits: Supplement their diet with other vegetables like carrots, squash, and bell peppers. Fruits should be given in moderation due to their high sugar content.
- Calcium and Supplements: Provide a calcium supplement to support shell and bone health. A cuttlebone or powdered calcium can be added to their food. Ensure that they also have access to fresh, clean water at all times.
Regular Health Checks
Routine health checks are essential for early detection of potential health issues. Regular veterinary visits help ensure your tortoise remains in optimal condition and addresses any health concerns promptly.
- Observation: Monitor your tortoise’s behavior and physical condition regularly. Changes in appetite, weight, or activity level can indicate health problems.
- Preventative Care: Schedule annual check-ups with a veterinarian experienced in reptile care. Regular exams help catch any issues early and keep vaccinations and other preventative treatments up to date.
Environmental Enrichment
Providing environmental enrichment helps keep your Hermann’s Tortoise mentally stimulated and active. Enrichment can reduce stress and prevent boredom, contributing to a better quality of life.
- Foraging Opportunities: Hide food items around the enclosure to encourage natural foraging behavior. This not only provides mental stimulation but also mimics their natural hunting practices.
- Variety: Change the layout of their enclosure periodically and introduce new objects or plants to keep their environment interesting and engaging.
Conclusion
By focusing on creating the right habitat, providing a balanced diet, ensuring regular health checks, and offering environmental enrichment, you can significantly enhance the lifespan and well-being of your Hermann’s Tortoise. For further details on creating an ideal habitat, including tips for designing an outdoor enclosure, refer to this helpful guide on Habitat for Hermann’s Tortoise. Implementing these practices will help ensure that your tortoise enjoys a long, healthy life.
Proud web evangelist. Travel ninja. Creator. Freelance food nerd. Passionate bacon fanatic.
-
World3 years ago
The Gabby Petito case. Brian Landry set up camp with his family after his girlfriend disappeared
-
Top News4 years agoTristan Thompson reacts to Khloé Kardashian’s new appearance
-
Top News4 years ago
TLC ‘sMothered’ recap: ‘Party curled up,’ boyfriend problem
-
Top News4 years ago
Alex Cooper hosts a solo podcast
-
Top News4 years ago2021 Ford Bronco price: Here’s how much the 2-door and 4-door cost
-
Tech4 years agoFall Guys is supplying out a legendary costume and Kudos as an apology present
-
Top News4 years ago
Chiara de Blasio was ‘very cold’ during the arrest of the protest: witness
-
Top News4 years ago
How to Watch Yellowstone Season 3, Episode 2 Live Online
