Cultural events – Shul 21 http://shul21.org/ Thu, 15 Sep 2022 16:18:15 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://shul21.org/wp-content/uploads/2021/10/icon-17-120x120.png Cultural events – Shul 21 http://shul21.org/ 32 32 Michigan spent $2.5 million to be a rocket hub. Critics say it only produced hype https://shul21.org/michigan-spent-2-5-million-to-be-a-rocket-hub-critics-say-it-only-produced-hype/ Wed, 14 Sep 2022 20:45:55 +0000 https://shul21.org/michigan-spent-2-5-million-to-be-a-rocket-hub-critics-say-it-only-produced-hype/ “It’s truly remarkable that someone is considering putting a heavy industrial facility [like a launch pad] on the coastline of the largest body of fresh water in the world,” said Dennis Ferraro, who lives about 3 miles from the selected site and leads the opposition group Citizens for a Safe & Clean Lake Superior. “It’s […]]]>

“It’s truly remarkable that someone is considering putting a heavy industrial facility [like a launch pad] on the coastline of the largest body of fresh water in the world,” said Dennis Ferraro, who lives about 3 miles from the selected site and leads the opposition group Citizens for a Safe & Clean Lake Superior.

“It’s just a horrible idea. Ecologically, it is a disaster.

In Chippewa County, officials were thrilled after the Michigan Launch Initiative selected the base as its command site in January 2021. However, Brown’s group has yet to file the necessary permits with the Federal Aviation Administration to the project.

“I think everyone turned around, like we did, and said, ‘What have we won?

“There is no structure there. There is no money for that.

At Oscoda, airport officials are agitated and awaiting answers after Brown’s group suggested the former Air Force base as the site in 2020.

Airport board member Kevin Boyat said he still remains hopeful, but officials can’t get answers from Brown.

The board sent a letter months ago, he said, giving Brown 45 days to respond. He heard nothing back, Boyat said.

“It’s like ordering a new car and waiting six years [for it],” he said. “When you ordered it, you were excited.”

“It took so long and we can’t get any information from Gavin,” Boyat said.

Brown said he has complied with all state requests for information and remains confident about the state’s space outlook. He also played down environmental concerns, saying any vertical launch at Marquette would use “green energy,” some of which has yet to be developed.

But he also said no final decision has been made on when to apply for a spaceport license from the Federal Aviation Administration. This will come after a final decision as to whether it makes economic sense to proceed.

“It will start when it makes sense to start,” said Brown, who is also executive director of the Michigan Aerospace Manufacturers Association, which is an integral part of the space project.

Like all non-profit organizations, it is required to public tax declarations, on request. A Bridge search of publicly available records shows that only his 2010, 2011 and 2019 are currently available.

Bridge asked Brown and his accountant for copies of other tax returns on several occasions. Brown said he would provide them, including again in a midday email on Wednesday, September 14. They were still not provided Thursday morning.

Existing tax records show that 88% of his total revenue of $1.5 million in 2019 came from state grants.

“There was something wrong”

The turmoil comes amid what is otherwise an exciting time for space exploration.

As NASA prepares to back to the moon and the space industry approached 500 billion dollars last year, Michigan is entering the race to be a hub for launches into low Earth orbit.

It has an inherent advantage due to its location, more than halfway up the North Pole from the equator, which allows launches into “polar” orbits coveted by some commercial satellite companies.

Lawmakers funded the space effort through the belated approval of a budget that provided money for former Gov. Snyder’s pet projects in the final days of his administration.

Governor Gretchen Whitmer initially refused to honor funding for the space effort, citing a lack of details.

But after lawmakers agreed to the changes, his administration funded the project, and the quasi-government Michigan Economic Development Corp. oversaw the grant to “assess the feasibility of a low orbit launch site in Michigan”.

The Michigan Launch Initiative was scheduled to complete work in January 2021 but received two extensions. At the same time, its grant increased from $2 million to nearly $2.5 million.

The grant surprised Kirk Profit, a former lawmaker turned lobbyist.

He said the funds were raised shortly after Brown requested a $2 million investment from Kalitta Air to fly rockets into the stratosphere in its cargo planes at Willow Run and Oscoda airports.

Profit was Kalitta Air’s lobbyist at the time and said he and the company could find little on Brown’s background.

“We checked it. We finally shelved it,” Profit said recently. “There was something wrong.”

Conflicting studies

Michigan is forging ahead, though some critics say the state is lagging far behind others in the race to build infrastructure for the booming space industry.

One of the primary sources of criticism from critics is a report commissioned by Brown’s group.

The IQM Research Institute article noted that since Brown floated the idea of ​​the Michigan launches, the economics of the commercial space industry have changed dramatically.

The report, written by former air force brigadier general Michael Dudzik, who commanded all of the branch’s space forces, says the cost of putting satellites in space was dropping dramatically, from $7,000 a pound to less than $1,000. And a few big players – including Elon Musk’s SpaceX – dominated the market.

Just one more dozen spaceports in 10 states have received FAA licenses in recent years, and most have not staged a single launch.

In its 2021 report, IQM reported that there had been just 16 polar-orbiting launches — like the ones Michigan could host — at three U.S. spaceports in the previous three years.

In fact, with other locations dominating the market, IQM’s report concluded that so few new businesses would surround the launch sites that even if there was one launch per week, “annual revenue generated… would have the same revenue impact in the state equal to the annual revenue of two additional fast food chains.

“He was just selling the concept, but he was separated from the fundamental facts,” Dudzik told Bridge.

Brown criticized the finding during an interview with Bridge, saying it unfairly characterized the value of the food and beverage industry.

Dudzik’s report went “beyond the scope” of what it was asked to investigate, he added.

“No business case has been made,” he said.

Brown’s nonprofit website, however, includes a study that explores the “Business case” for launches.

The four-page study from August 2021 concludes that the sites could attract 30 aerospace companies and deliver $13.2 billion in economic impact over the next 10 years, a “potential return of 40 times the investment in terms of economic impact for the State of Michigan”.

The reasons for optimism

Even with the turmoil, many remain optimistic that Michigan could capitalize on the space industry.

The IQM report concluded that Michigan could still benefit without committing tens or hundreds of millions of dollars to launch facilities, as has happened in other states, including New Mexico, Colorado and Georgia.

Michigan has great advantages, with or without launch sites, said Greg Autry, director of the Thunderbird Initiative for Space Leadership, Policy and Business at Arizona State University.

He said Michigan’s manufacturing heritage makes it uniquely positioned to build rockets and their components. But focusing on launch sites before identifying a rocket builder is “kind of putting the chicken before the egg,” he added.

Michigan’s space efforts are “half-hearted,” Autry said, because they lack vigorous collaboration between government and the private sector.

The Colorado Space Coalition includes state government leaders as well as representatives from academia and the private sector. Although its launch site was not used, the coalition is actively working to develop the state’s aerospace industry.

If Michigan adopted Colorado’s model and got everyone around the table, “you’d move Colorado in the blink of an eye,” Autry said.

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Explaining Cuyahoga County’s Secret $66 Million Stimulus Deal: The Monday, September 12, 2022 Revival https://shul21.org/explaining-cuyahoga-countys-secret-66-million-stimulus-deal-the-monday-september-12-2022-revival/ Mon, 12 Sep 2022 10:03:00 +0000 https://shul21.org/explaining-cuyahoga-countys-secret-66-million-stimulus-deal-the-monday-september-12-2022-revival/ Subscribe to Alarm Clock, cleveland.comThe free morning newsletter from , delivered to your inbox weekdays at 5:30 a.m. We were taken aback when the Cuyahoga County Board announced it would be allocating $66 million in federal stimulus funds to allocate to projects hand-picked by members. “Not a slush fund,” the council said. But how did […]]]>

Subscribe to Alarm Clock, cleveland.comThe free morning newsletter from , delivered to your inbox weekdays at 5:30 a.m.

We were taken aback when the Cuyahoga County Board announced it would be allocating $66 million in federal stimulus funds to allocate to projects hand-picked by members. “Not a slush fund,” the council said.

But how did they come up with the plan? Ohio law prohibits governments from making decisions outside of public meetings. So we checked their emails – 45,000 pages.

The results are astonishing in a county that 13 years ago overhauled its government structure to create more accountability.

-Laura

Browns vs. Carolina Panthers: Baker Mayfield turned dangerous but Cade York blasts the winning field from 58 yards for a Browns 26-24 victory over the Panthers

Minnesota Twins goalies: Guardians back Shane Bieber with two homers, added late to sweep Twins in 4-1 win

Weather Forecast For Northeast Ohio Monday: Rainy start, then clearing

sunshine law: Cuyahoga County officials forged a secret deal on how to spend $66 million in stimulus funds, and without a public hearing or a vote, lined up projects for their “slates,” reports Lucas Daprile. Daprile is examining documents showing an opaque process that has puzzled community groups and allowed council members to control who received applications for the millions in federal funding.

wolf escape: When it comes to keeping its animal residents separate from its human visitors, the Cleveland Metroparks Zoo turns to the Association of Zoos and Aquariums for standards and guidance. But Peter Krouse reports that wasn’t enough to stop a Mexican gray wolf from escaping from an off-exhibit holding area at the zoo on Labor Day morning and briefly roaming a public driveway.. The incident is likely to provide a learning opportunity for the zoo and the Maryand-based AZA.

Election requests: Election boards across Ohio have been hit by recent public records requests that appear designed to prevent them from throwing out documents about the 2020 presidential election that they might otherwise throw out this month. Sabrina Eaton reports that Geauga County has received so many voluminous requests for 2020 election information in the past three to four months that it should hire more workers to accommodate them all.

Intel: Ohio dignitaries and Intel executives celebrated the grand opening of a $20 billion silicon chip factory in suburban Columbus on Friday by touting the high-paying tech jobs that will be needed to staff the factory and statewide suppliers. Laura Hancock reports that Intel will manufacture silicon wafers in Columbus that will be cut into tiny chips, then shipped around the world and packaged into central processing units in personal computers, servers, mobile devices and other technologies. .

Today in Ohio: President Joe Biden was there, as well as Ohio Governor Mike DeWine. All manner of politicians, Democrats and Republicans alike applauded the grand opening of the Intel factory in New Albany. We’re talking about a rare bipartisan celebration on Today in Ohio, cleveland.comhalf-hour news podcast.

President Joe Biden speaks during a groundbreaking Friday for a new Intel computer chip facility in New Albany, Ohio. (Manuel Balce Ceneta, Associated Press)PA

Biden: The main Democratic Party candidates in Ohio are carefully keeping their distance from the president. But Andrew Tobias reports that Joe Biden traveled to the state again on Friday to tout the passage of the CHIPS bill and the grand opening of Intel’s massive new factory in the Columbus area.

Intel training: Kent State University and Lorain County Community College will lead projects to develop a semiconductor manufacturing workforce in the state as construction of a $20 billion chip factory in the central Ohio begins, reports Laura Hancock.

Payday loans: Ohio lawmakers who wanted consumer-friendly payday loan reforms fought an uphill battle with the industry until they finally passed a bill capping interest at 28% in 2018. But Laura Hancock reports that at least one lender began providing loans in a workaround that prompted dozens of consumer complaints and subsequent remarks from a judge who said it was an attempt to evade the law.

republican chair: Ohio Republican Party Chairman Bob Paduchik survived an attempt by state party officials to replace him less than two months before the November general election. Jeremy Pelzer reports that after more than an hour of debate, the Ohio State GOP Central Committee decided on Friday not to hold a leadership election until January.

Les Jardins Electriques, luxury apartments located in Tremont.

Les Jardins Electriques, luxury apartments located in Tremont.Megan Sims

Rental market: With a recent study showing the median asking price for rent in the Cleveland area now approaching $1,050 per month, the question arises, what are you getting for $1,050 per month in today’s market? Megan Sims lists what’s available, in terms of location, amenities, and size.

Hardwood floor: Laura Johnston insisted on hardwood floors when she finished her attic to create a bedroom and bath suite. Since the millennium, carpeting has lost popularity.

CDC Map: On the latest CDC map, Cuyahoga County and most of Greater Cleveland remained yellow, or designated as having medium COVID-19 transmission, reports Julie Washington. Ashtabula, Lorain and Portage counties were among counties in northeastern Ohio classified as red, for high transmission of COVID-19.

door-to-door sales: The cleveland.com database of home sales and other property transfer details has been updated with August 2022 transactions.

East Cleveland: A grand jury has charged two former East Cleveland police officers with accepting cash bribes to provide a man with falsified police reports so he could commit insurance fraud, Cory reports Shaffer. Von Harris, 52, and Demarkco Johnson, 28, were charged on Friday with multiple counts of bribery and falsifying records, and one count of insurance fraud.

Body found: A body washed up on the shore of Lake Erie in Lakewood Saturday night, police said. The Lakewood Police Department is currently investigating the case but has released few details, Megan Sims reports.

Trent Reznor

Trent Reznor founded Prohibition Nine Inch Nails in Cleveland in the late 1980s. (Evan Agostini, Invision/AP file photo)Evan Agostini/Invision/AP

TIN: It took more than two years in the making. But Trent Reznor and Nine Inch Nails will finally make their way to the Rock & Roll Hall of Fame. Troy Smith reports that the museum will host Nine Inch Nails Fan Day on Friday, September 23.

Induction performers: Microsoft Theater, the venue for this year’s Rock Hall induction ceremony taking place Nov. 5 in Los Angeles, revealed that Pink, Sheryl Crow, Lenny Kravitz, Alice Cooper, Brandi Carlile, Olivia Rodrigo, Alanis Morissette and Miley Cyrus are all set to appear, reports Troy Smith.

Collaboration with the orchestra: The Cleveland Orchestra and the Cleveland Institute of Music are joining forces to expand their collaborations and share their resources, reports Marc Bona. The partnership adds visibility to the CIM Orchestra, which usually gave two or three concerts a year at the Severance Music Center.

black keys: The Black Keys concert Friday at the Blossom Music Center was a great soundtrack to a beautiful evening in northeast Ohio. Troy Smith reports that the Black Keys of 20 years ago, consisting of lead guitarist/vocalist Dan Auerbach and drummer Patrick Carney’s boisterous blues explorations only fit for a grimy basement, are long gone. They have found a niche that allows them to navigate amicably while generating big hits and have generally stuck to it.

House of the week: Designed by New York architect Linn Kinne in the early 20th century, the mansion at 3145 N. Park Blvd. in Cleveland Heights was once owned by Case Western Reserve University, which used it as the residence of its president. Joey Morona reports the home is on the market for $1.4 million.

Thanks for joining us this week in our revamped Wake Up format. We appreciate the feedback you provided on our new look. Don’t forget you can always find the latest Cleveland news by visiting cleveland.com. If you appreciate the hard work of Cleveland journalists, consider subscribing to cleveland.com.

— Organized by Laura Johnston with contributions from Cliff Pinckard

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Are you a driver, construction worker or other new economy entrepreneur? https://shul21.org/are-you-a-driver-construction-worker-or-other-new-economy-entrepreneur/ Thu, 08 Sep 2022 09:13:12 +0000 https://shul21.org/are-you-a-driver-construction-worker-or-other-new-economy-entrepreneur/ With the rise of tech startups like Grab and Airbnb, many people have taken on new jobs in recent years, either as a full service or as a way to earn extra income. Although these jobs may be attractive especially in the face of rising unemployment rate and low revenue growth, they are not without […]]]>

With the rise of tech startups like Grab and Airbnb, many people have taken on new jobs in recent years, either as a full service or as a way to earn extra income. Although these jobs may be attractive especially in the face of rising unemployment rate and low revenue growth, they are not without their own financial pitfalls. If you’re considering becoming a “new economy” entrepreneur, like driving for Grab or hosting Airbnbs from your HDB apartment.

Open a personal line of credit

A rising tide lifts all boats. When companies like Grab and Airbnb grow like weeds, the people who participate in that growth can be immensely rewarded. Now Grab drivers in Singapore can expect to earn $26 per hour in Singapore. If you work 50 hours a week, that’s easily over S$5,000 a month in income, which compares favorably to national average of S$4,056, although there are other costs involved like paying for petrol. However, when you’re just starting out as an entrepreneur, it’s not easy to predict exactly how much money you’ll make or even how reliable your source of income will be. There will be days or weeks when you don’t get enough business.

So when you’re just starting out as an entrepreneur in the new economy, it might be a good idea to apply for a personal line of credit. Since the best personal line of credit deals on the market offer annual fee waivers, you can guarantee access to readily available financing in case you run out of money for a few days or weeks at a time. Although credit cards are usually the best way to pay when you don’t have enough money in your bank account, you can’t always rely on them, especially if you can’t pay off the balance as part of your current billing cycle (i.e. up to 30 days). A line of credit lends you money at a lower interest rate than a credit card, so you can still afford to pay for the things you need. When you’ve established a steady cash flow from your gig after a year or two, you can cancel your line of credit and avoid paying the annual fee after the fee waiver expires.

Cut out some of your weekly income to invest

Another disadvantage of having a job as a contractor is that you receive no CPF contributions or health insurance from your employer. However, just because you’re not getting these benefits doesn’t mean you shouldn’t have them. Therefore, you should really consider cutting some of your weekly income and setting it aside for investment so you can build a rainy day or retirement fund. Since most new economy entrepreneurs are relatively young in their 20s and 30s, investing in funds is a particularly attractive idea that can compound their net worth over a long period of time. To start investing today, check out our guide to the best online brokers in Singapore.

Compound interest and time

Take a look at the table above. here we feature two people who have invested $10,000 who are earning 10% per year. This means that after one year they would have $11,000 ($10,000 x 10% = $1,000 and $1,000 + $10,000 = $11,000). The only difference between Person 1 and Person 2, however, is that Person 1 started investing at age 20 while Person 2 started at age 30. Because of this 10-year difference, Person 1 has more than double what Person 2 has by the time they reach age 65. It’s like Warren Buffett said: The best thing you can do for your retirement savings is to start investing early.

Avoid incurring other forms of debt, except in an emergency

While you’re building your own “business” as a Grab driver or Airbnb host, you should try to minimize your reliance on debt. Borrowing to finance unnecessary consumption will only increase your financial burden as monthly interest payments begin to accumulate over time. However, if you encounter an emergency that you absolutely cannot avoid (i.e. large medical bills, etc.), you may want to consider getting a personal loan to help you deal with the immediate necessities.

Although personal loans are not the cheapest source of money, they still offer a decent interest rate, especially for things that cannot be secured by an asset; only loans like home loans tend to be cheap because the loan can be secured by the home of the borrower. When you need to borrow to pay your hospital bill, there is nothing a lender can receive if you default on your loan. Therefore, personal loans tend to cost more; however, they are still much cheaper than their alternatives like credit card debt, pawn loans, or payday loans.

Parting Thoughts

To succeed as an entrepreneur, you must be able to protect yourself from the unpredictable emergencies that life can throw at you at any time. Entrepreneurs have to deal with an unstable income stream and the lack of job security that a full-time job can provide, so it’s all the more important to be prudent about your finances. While a line of credit, personal loan, or investment can help you prepare financially when you might suddenly need a large sum of money, it’s always a good idea to get your expenses down to a minimum first. venue.

Read more:

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24-Hour Check Cashing Near Me: 6 Places to Cash Checks After Hours https://shul21.org/24-hour-check-cashing-near-me-6-places-to-cash-checks-after-hours/ Mon, 29 Aug 2022 21:46:03 +0000 https://shul21.org/24-hour-check-cashing-near-me-6-places-to-cash-checks-after-hours/ Alina555/Getty Images/iStockphoto Sometimes you need to cash a check when your bank is closed. Or, maybe you don’t have a physical bank and don’t want to wait for mobile deposit to make your funds available. Check cashing services will cash your check, depending on the type of check and its amount. And since many of […]]]>

Alina555/Getty Images/iStockphoto

Sometimes you need to cash a check when your bank is closed. Or, maybe you don’t have a physical bank and don’t want to wait for mobile deposit to make your funds available.

Check cashing services will cash your check, depending on the type of check and its amount. And since many of these types of locations are open 24/7, you can cash that tax refund or veteran’s benefit check at 2 a.m. on Sunday morning if you want. wish.

Here’s what you need to know before you go.

Check cashing requirements

In general, you must bring with you some form of identification, such as a driver’s license, passport, resident alien ID card, military ID card, tribal or reserve ID card or a state-issued ID. You should also bring the check and your social security or tax ID number.

Most locations will only cash certain types of checks that they can verify immediately, such as government checks, bank or cashier’s checks, or money orders. Some establishments cash personal checks, but they may hold the funds for several days before releasing them to you, just to make sure the check clears.

Make sure you know how much you will pay in fees. In some cases, the amount of the check is what determines the fee; in others it is the check type. That $1,200 tax refund check may even cost less to cash than a $100 personal check, simply because there’s less chance of it bouncing. So if you’re shopping around for price, be sure to look at the price of the exact check you want to cash.

Places to cash checks after hours

Here are some places you can go if you need to cash a check after hours.

Payomatic

Payomatic is a chain of check cashing stores in New York. There are 129 stores in the five boroughs, but only some of them are open 24 hours a day.

When you bring a valid ID to a Payomatic location, you can cash a paycheck, government check including tax refunds, insurance paycheck, union check, money order and more Again. Payomatic does not cash personal checks.

Payomatic takes 2.27% of the amount of the check. So a check for $100 would cost $2.27 to cash. If you have a $2,000 tax refund, you will pay $45.40 to collect it.

Please 24/7

PLS has offices in 12 states: Arizona, California, Illinois, Indiana, Kentucky, Massachusetts, New York, North Carolina, Ohio, Oklahoma, Texas and Wisconsin. Many sites, but not all, are open 24 hours a day. PLS will cash paychecks, government checks, business checks and more, even if they are out of state. They will also cash personal checks.

The fee for cashing a paycheck, government benefit check or money order under $1,000 is 1% of the amount of the check plus $1. So a check for $100 would cost you $2 to cash. For checks over $1,000 or for other types of checks such as personal checks, the amount will vary depending on the type and amount of the check.

PLS also offers free money orders, utility and other bill payment service, Western Union money transfers and direct deposit. For direct deposit, your employer pays PLS and you can go there and withdraw your funds in cash.

Fast payment

Speedy Cash will cash benefit checks, cashiers checks, bank drafts, paychecks, student loan checks, unemployment checks, personal checks and more. Some checks require a hold before giving you the money, so you may have to wait for your money if it’s not a government check or paycheck.

Speedy Cash is present in 14 states: Arizona, Arkansas, California, Colorado, Georgia, Kansas, Kentucky, Mississippi, Missouri, Nevada, Oklahoma, Oregon, Tennessee and Texas. Some of their locations are open 24 hours a day, but not all of them.

At Speedy Cash, you’ll pay 2% to 2.50% of the check amount to cash a payroll or government check, with a minimum fee of $2. Other types of checks may incur higher fees.

In addition to check cashing services, Speedy Cash branches may offer payday loans, installment loans, title loans, personal lines of credit, money orders and MoneyGram money transfers.

Community Financial Services Center

The Community Financial Services Center has 200 locations nationwide that offer check cashing, money transfers, electronic bill payments, prepaid debit cards, foreign currency exchange, ATMs and more Again. Many sites are open 24/7.

CFSC will cash payroll checks, government checks including tax refunds, settlement checks, checks made payable to your company, and certain other types of checks. The fees they charge depend on the type of check and the state you are in.

walmart

Check cashing services are available at most Walmart stores. If the store is open 24/7, the check cashing service is also available 24/7. Walmart cashes preprinted checks, payroll and government checks, cashier’s checks, two-part personal checks and more.

Walmart charges a maximum fee of $4 to cash checks up to $1,000 and a maximum fee of $8 for checks over $1,000.

You can also deposit money to your bank debit card at a Walmart store, either at a cash register, at the MoneyCenter, or at a customer service center. You can deposit funds if your debit card is issued by one of 15,000 financial institutions in the United States. A $3.74 fee applies to deposit up to $1,000. The minimum deposit is $20.

Walmart also offers prepaid debit cards, MoneyGram, Western Union and Walmart2Walmart money transfers and more.

Kroger

Kroger Money Services offers check cashing at over 2,000 stores, as well as bill payment, debit card cashing, money orders, prepaid cards and more.

Fees for cashing checks at Kroger vary by store location and check amount, but at most stores you can cash a $100 check for $4.00 if you have a Kroger loyalty card . If you don’t, it will cost you $4.50. A check for $2,500 can be cashed for $7.00 with a Kroger card or $7.50 without. There is a $5,000 limit on checks.

After Hours Check Cashing FAQs

  • How can I get money with a check?
    • There are many check cashing services that will cash a check, but not all locations will cash all types of checks, at least not instantly. If you have a personal check in your name, you may have to shop around to find out who will cash it. And once they do, you can pay more than you would for a government check.
  • Can I cash a check through an ATM?
    • When you deposit a check at an ATM, the bank will usually “hold” the funds for a few days before you can access the money. They do this to be sure that the check will not be bounced. So if you need money right away, you will need to have at least the amount of the check in your account to be able to cash it at an ATM. What you are actually doing is depositing the check and withdrawing money from the funds that were already in the account.
  • Where can I cash a check without a bank account?
    • You can cash a check without a bank account at check cashing companies, like Payomatic, PLS 24/7, Speedy Cash, CSFC or at stores like Walmart or Kroger. You may also be able to cash a check at the bank it’s drawn on, even if you don’t have an account there.

Information is accurate as of August 22, 2022.

Editorial note: This content is not provided by any entity covered by this article. Any opinions, analyses, criticisms, evaluations, or recommendations expressed in this article are those of the author alone and have not been reviewed, endorsed, or otherwise endorsed by any entity named in this article.

About the Author

Karen Doyle is a personal finance writer with over 20 years of experience writing about investing, money management, and financial planning. His work has appeared on numerous news and finance websites, including GOBankingRates, Yahoo! Finance, MSN, USA Today, CNBC, Equifax.com, and more.

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Attempted Sale of Voting Materials in Northern Michigan Under Investigation https://shul21.org/attempted-sale-of-voting-materials-in-northern-michigan-under-investigation/ Mon, 29 Aug 2022 07:00:00 +0000 https://shul21.org/attempted-sale-of-voting-materials-in-northern-michigan-under-investigation/ Voter assistance terminals typically help voters with disabilities mark their ballots at polling stations. They are not used to tally votes, according to the secretary of state’s office. Related: “While our elections remain safe and secure, we take all violations of election law seriously and will work with the appropriate authorities to ensure there are […]]]>

Voter assistance terminals typically help voters with disabilities mark their ballots at polling stations. They are not used to tally votes, according to the secretary of state’s office.

Related:

“While our elections remain safe and secure, we take all violations of election law seriously and will work with the appropriate authorities to ensure there are consequences for those who break the law,” Benson said in a statement. .

The equipment in question came from the township of Colfax, a small town north of Cadillac, township clerk Becky Stoddard in Bridge Michigan confirmed Thursday.

Stoddard said the equipment is rarely used and does not contain election data. According to his recollections, the township did not use the equipment in 2020.

“That’s the main thing I want to emphasize. There is no data on that,” she said.

Stoddard directed additional inquiries to Michigan State Police.

Michigan State Police Seventh District Public Information Officer Lt. Derrick Carroll confirmed law enforcement was investigating the missing equipment, but declined to provide further details.

According Cadillac News, the voter assistance terminal disappeared some time after the local government turned over voting materials to the county in March for updates. His absence was noticed before the August primary.

News of the County Wexford investigation comes amid ongoing investigations into efforts by supporters of former President Donald Trump to gain access to local election materials.

Nine people, including Republican nominee for Attorney General Matthew DePerno, fellow attorney Stefanie Lambert Juntilla and state Rep. Daire Rendon, R-Lake City, were referred to a special prosecutor by Attorney General Dana Nessel following of an investigation into the unauthorized tampering of a vote tabulator in three jurisdictions, including the Township of Irving.

Nessel’s office says DePerno and others involved “gained unauthorized access and compromised tabs,” a potential crime. DePerno denied doing anything illegal and suggested the investigation was politically motivated.

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Money Talk: Emergency funds can be essential, especially for black people https://shul21.org/money-talk-emergency-funds-can-be-essential-especially-for-black-people/ Thu, 25 Aug 2022 15:46:45 +0000 https://shul21.org/money-talk-emergency-funds-can-be-essential-especially-for-black-people/ By Rodney A. Brooks No matter your age or life stage, you need an emergency fund. And you need it before you even start saving for your future. So what is an emergency fund and why is it so essential? Think of it as the buffer that keeps you going when things happen without having […]]]>

By Rodney A. Brooks

No matter your age or life stage, you need an emergency fund. And you need it before you even start saving for your future.

So what is an emergency fund and why is it so essential? Think of it as the buffer that keeps you going when things happen without having to resort to high-interest credit cards, payday lenders, and friends.

To be clear, I’m not talking about the three to six months of living expenses that financial advisers say you need in case you lose your job.

In real life, things happen. An emergency fund for most of us is the money you would need in a real emergency – your car breaks down; your HVAC stops working during a heat wave or you need a new water heater.

The truth is, less than half of Americans would have enough savings to cover a $1,000 emergency expense. Bankrate, a consumer finance company, asked in a survey “How would you pay for an unexpected expense of $1,000.

  • Only 44% would be able to pay with their savings
  • 20% would pay with a credit card
  • 15% would pay for it but cut spending in other areas
  • 10% would borrow it from friends
  • 4% would take out a personal loan

According to the Pew Research Center, less than half of black Americans said they had an emergency fund and took several steps to make ends meet. This survey also found that, unsurprisingly, black Americans generally experience higher levels of economic insecurity than Americans overall. Remember that the average net worth of a black family is only 1/10 that of a white family ($17,100 vs. $171,000).

Are you prepared for the unexpected without having to resort to expensive payday loans or high interest credit cards? Average credit card interest was 19.13% for new offers and 15.13% for existing accounts in the second quarter of 2022 according to WalletHub.

Things are worse since the pandemic. Inflation is rampant, there are shortages everywhere, and prices for everything continue to rise. A set of new tires can cost you $600 or more, although costs vary by model and usage. Plumbers can cost between $45 and $150 per hour with minimum service rates.

The amount you need in this emergency fund depends on your personal situation. But you must have savings to get through these difficult crises.

Here’s how you can create an emergency fund.

Start by setting a budget. See how your income and expenses match up and where you can save.

Set a reasonable financial goal for your individual emergency fund.

Set aside $20 a week when you have it, or $10 when you don’t. Do not carry it, put it in a book or in a sock drawer. When you get to a few hundred, put it in a bank savings account. You won’t earn much on cash, but you want it in cash.

Set aside your tax refund or pay raise instead of paying your bills.

Cut out one restaurant meal per month or one weekly visit to Starbucks and put that money into an emergency fund instead.

Get a temporary job or a part-time job. Save until you have $1,000.

The reason you want to set up an emergency fund before you start saving/investing: You don’t want to take money out of a mutual fund or retirement fund to pay for an unexpected emergency. Not only will you be gambling with your return on investment, but you could also face tax consequences.

You should consider this emergency fund as separate, and only your first step towards and investing for your future and your retirement.

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4 BEST EMERGENCY LOANS FOR BAD CREDIT https://shul21.org/4-best-emergency-loans-for-bad-credit/ Thu, 25 Aug 2022 04:27:15 +0000 https://shul21.org/4-best-emergency-loans-for-bad-credit/ Many Americans are facing tough times right now; they are going through difficult financial situations. Many people struggle to pay their bills. They need payments for medical bills, rent, money for basic needs or need money for emergency car repairs or any emergency. These cases can happen to anyone. And many people take out short-term […]]]>


Many Americans are facing tough times right now; they are going through difficult financial situations. Many people struggle to pay their bills. They need payments for medical bills, rent, money for basic needs or need money for emergency car repairs or any emergency. These cases can happen to anyone. And many people take out short-term loans like bad credit loans or payday loans to deal with financial emergencies. But many Americans suffer from bad credit scores.

In this in-depth review, we’ve listed our picks for the best bad credit loan companies in America that offer emergency loans like bad credit loans or payday loans for people with bad credit. There is a lot of loan for bad credit companies to choose from. But be careful because not all of these emergency loan lenders are good, some are fraudulent.

Here is our list of our top picks for the best bad credit loan companies in America.

#1. MUTUAL MONEY – Best personal loans for bad credit

#2. FUNDSJOY – Quick emergency cash immediately

#3. REAL AMERICAN LOAN – Best online loans without credit check

#4. PERSONAL LOANS – Bad credit installment loans

#1. MoneyMutual – Best Bad Credit Personal Loans in USA

MoneyMutual – MoneyMutual has long been at the top of the lending industry. They have earned an excellent reputation as one of the best providers of bad credit loans or short term loans in America. Many Americans have obtained bad credit loans from this company. They also have one of the biggest mouthpieces out there.

You may know his name, it’s Montell Williams.

Montell Williams is known to be one of the most famous daytime talk show hosts of the 1990s. Due to his successful career as a daytime talk show host, he was chosen by MoneyMutual as their spokesperson.

But Montell Williams was attacked by his haters who called him out for promoting a ‘bad credit loans’ company. They said Montel Williams exploited them by taking advantage of the needy.

He proves them wrong by showing that he was a model citizen both in his line of work as a daytime talk show host and as a spokesperson. His MoneyMutual endorsement has always been successful.

=> VISIT THE OFFICIAL MONEY MUTUAL WEBSITE NOW!

#2.CreditReady – Best payday loans for bad credit with guaranteed approval

CREDITLOAN – MoneyMutual’s main competitor is CreditLoan. CreditLoan is a promising bad credit loan provider that offers customers good customer service with fast bad credit loan approval within 24 hours.

You should keep an eye on CreditLoan as a candidate for a promising bad credit loan provider. With their steady increase in new customers, they have been able to build a good reputation as a provider of bad credit loans. As they continue to thrive as a payday loan provider, they are also able to provide and maintain exceptional customer service to their clients.

=> VISIT THE OFFICIAL CREDIT LOANS WEBSITE NOW

#3. FondsJoy – Best personal loans for bad credit with short term loan and emergency loan options

FUNDSJOY is another well-known short-term loan company. FundsJoy is an excellent online lender. They stand out for their user-friendly website. They tend to appeal to all age groups, but mostly cater to the 25-45 age bracket.

They have also seen rapid growth in the short term loan business like CreditLoan. It has been said that they handle customer service very well. More and more borrowers are applying for a bad credit loan on FundsJoy because of their outstanding service.

We will keep an eye on this company constantly. We definitely favor them and think they are a promising bad credit loan company. For anyone in need of a bad credit loan, we recommend visiting FundsJoy.

=> VISIT FUNDSJOY OFFICIAL WEBSITE NOW

#4. REAL AMERICAN LOAN – Best Loans No Credit Check With Immediate Approval

Genuine American Loans is a bad credit loan that provides good service to real blood Americans. They are known to provide many loan options for bad credit. They offer different types of emergency loans like payday loans, bad credit loans, short term loans, loans without credit check, direct loans or even a loan as low as $100 up to $500 $.

They may not be as outstanding as MoneyMutual, but that doesn’t mean they don’t provide good service. True American Loan has a specific target market; it’s real blood americans looking for the best bad credit loan provider in america.

=> VISIT REAL AMERICAN LOAN WEBSITE NOW!

#5. XMASFUNDS.COM – Bad credit personal loans with installment loan and cash advance options

CHRISTMAS FUNDS The company name of this bad credit loan provider may seem unusual to you. You might be wondering if they work well even if it’s not the holiday season? We then looked at the capability of this bad credit loan provider and were amazed at how well they performed, even though it is not the Christmas season.

This shows, regardless of their business name, that they perform well at any time of the year. XmasFunds is an online bad credit lending company specifically identified for the holiday season. But they continuously provide services and acquire customers even though it is not Christmas season. XmasFunds accepts bad credit loan applications at any time of the year.

Please take the time to visit their site if you are interested in applying for a bad credit loan. They can offer loans of up to $5,000. XmasFunds is just as good as any other bad credit loan provider in the industry.

=> VISIT XMASFUNDS OFFICIAL WEBSITE NOW!

#6. FundGift – Loans for bad credit from direct lenders without firm credit check

FundGift is another online emergency loan provider. This loan provider is rather new in the industry. And still can’t compete with big names like MoneyMutual. But we believe they will eventually become one of the leading providers of bad credit loans in America. They offer different types of emergency loans like short term loans, 24 hour loans, instant loans, loans without credit check, loans for veterans or loans as low as $300.

The most notable aspect of FundsGift is their rapid increase in borrowers. Due to the fact that their bad credit loan application process is extremely short and easy. They get applications for bad credit loans at a rapid pace with guaranteed approval to their customers.

We will continue to observe FundsGift’s success in the money lending industry in the future. Will they be as big as MoneyMutual in the future? Well, opinions differ and not everyone is convinced. While others believe that FundsGift will beat other bad credit lenders within months.

=> VISIT THE OFFICIAL FUNDSGIFT WEBSITE NOW!

Summary of loans for bad credit

In this section, we will provide our final assessment. We hope you find this bad credit report helpful.

You now have a choice on which loan for bad credit supplier to choose who will meet your needs. After reading our reviews, borrowers usually come to the conclusion of which lender to go to.

These companies can provide you with good bad credit loan deals.

For those still in doubt, we strongly suggest applying for a loan from America’s largest bad credit loan provider, which is, as you might have guessed, MoneyMutual.

Visit their official website and apply for a bad credit loan today.

=> VISIT MONEYMUTUAL OFFICIAL WEBSITE NOW! start here.

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5 Best Loans for Bad Credit with Guaranteed Approval https://shul21.org/5-best-loans-for-bad-credit-with-guaranteed-approval/ Tue, 23 Aug 2022 20:15:00 +0000 https://shul21.org/5-best-loans-for-bad-credit-with-guaranteed-approval/ Let’s face it. It’s hard to succeed in America. The cost of living is getting higher and there seems to be no end in sight. What is the solution for this? Do we just take on more jobs to make more money or do we cut our expenses? There doesn’t seem to be a clear […]]]>


Let’s face it. It’s hard to succeed in America. The cost of living is getting higher and there seems to be no end in sight. What is the solution for this? Do we just take on more jobs to make more money or do we cut our expenses? There doesn’t seem to be a clear solution, especially for hard-working lower- and middle-class Americans.

Payday loans. What other solution do people have now? There are so many lenders in America today that offer these types of personal loans. Nothing in life, however, comes from free. If you are considering taking out one of these bad credit loans, be prepared to make your payments. If you miss your payments, you can find yourself in a whole world of trouble. You see, everything in life has a cost.

We run one of the largest websites that reviews bad credit loan companies. As such, in the detailed article, we will highlight the top 5 payday lenders in America. The information in this article is reliable, so you don’t have to worry about false information. Finally, one area of ​​the payday loan industry that has grown in popularity in recent years is the no credit check loan options. Many lenders today offer these types of personal loans with guaranteed approval. As such, we’re going to highlight a few companies that are the best in America for specializing in no credit check loans.

Best loans for bad credit with guaranteed approval

#1. MUTUAL MONEY – Best Overall Bad Credit Loans

#2. FUNDSJOY – Best Loans No Credit Check Online

#3. MY LOANS IN THE UNITED STATES – Best Payday Loans Direct Lenders

#4. FUNDSDON – Best loans for bad credit with 24 hour approval

#5. MODO LOANS – Best emergency loans for bad credit

#1. MoneyMutual – Top Bad Credit Loans with Guaranteed Approval in 2022

MoneyMutual

MoneyMutual – Are you old enough to remember the name of Montell Williams? Mr Williams was one of the most famous talk show hosts before the turn of the century. Her hit TV show was on the air all the time in the 1990s. Oprah Winfrey’s name was often used in the same sentence as Mr. Williams’. He was one of a kind. Since he was such a big personality, MoneyMutual approached him a few years ago and asked him to become the company’s official spokesperson. Mr. Williams accepted the proposal.

MoneyMutual felt that Mr. Williams would be an ideal representative for their business. Montell Williams has dedicated much of his career to the average American, and that’s exactly what MoneyMutual was trying to do. The partnership was a match made in heaven. Montell Williams became the most successful leader of Money Mutual in the company’s history. The success drew widespread criticism of Mr Williams, particularly from the media.

People didn’t like the fact that Mr. Williams was associating himself with a payday loan company. For some reason, a lot of people thought he was becoming a “scammer”. The negative attention Montell Williams received as head of MoneyMutual was misdirected. It didn’t make sense, and frankly, it was just a lot of people on the internet venting their frustrations over another successful celebrity. It turned out that Mr. Williams was able to bring a lot of positive attention to MoneyMutual during his tenure as a key spokesperson. Even though he has since stepped down from that role, people across America still think Mr. Williams is a key part of MoneyMutual.

As an American looking for a good payday loan option, look no further. MoneyMutual is one of the most respected bad credit lenders nationwide. Have peace of mind by choosing this company for your personal loan, you will be in good hands.

=> Visit MoneyMutual official website for more information

#2. FondsJoy – Top bad credit loans with guaranteed approval and installment loan features

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joy fund

FondsJoy – Bad Credit Loans for August 2022

FondsJoy – Avery Brooks is an American actor and director. If you’re old enough to remember, Mr. Brooks rose to fame for his role as Captain Benjamin Sisko in Star Trek Deep Space Nine. There were, however, many successful acting and directing roles before that. Mr. Brooks was born in the great state of Indiana and grew up in a family filled with music. He has publicly stated that Indiana…”did it”. Now comes the story of Mr. Avery Brooks and FundsJoy.

Many years ago we were approached by a source who informed us that Avery Brooks and FundsJoy were in partnership. This source informed us that Avery Brooks had been approached by FundsJoy to be a key spokesperson. For reasons of confidentiality, this source cannot be named. The biggest hole in this story is that we were never able to verify this information with a secondary source. Additionally, we never approached Mr. Brooks for his comments about being associated with a payday lender.

Mr. Brooks was a successful American actor and director. Did FundsJoy really have the foresight to hire Mr. Brooks as a spokesperson? If so, it would have been an incredibly smart move on their part. There are very few people who could do a job like Avery Brooks. He was one of the best actors of his time and would have done an amazing job as FundsJoy’s key spokesperson for payday loans.

The interesting thing is that the original source who brokered this story cannot be found and cannot be reached for comment. As such, we may never know for sure if Mr. Brooks was approached by FundsJoy or if it was an elaborate hoax.

One thing is certain. FundsJoy has become one of the best bad credit lenders in America today. Their reputation in the payday loan market is very strong, coupled with their dedicated customer service efforts. If Americans are looking for emergency funds, FundsJoy is one of the best options for them.

=> Visit FundsJoy official website for more information

#3. My loans in the United States – Best loans for bad credit with 24 hour approval and best loans without credit check online

myusaloans.png

MyUSALoans

My loans in the United States – Emergency loans with guaranteed approval

My loans in the United States – My loans in USA are definitely gaining popularity with each passing day. My USA Loans has such a patriotic name, so many Americans simply love the name. Our research indicates that if a payday lender has “USA” in the title, people will naturally choose to use that lender online. Americans are a group of patriots. So any business with a patriotic theme will be very welcome.

This shows us that My USA Loan can be very successful as a short-term lender, even if it doesn’t have a prominent spokesperson. MoneyMutual had one of the best spokespeople you could ask for. As such, they achieved great fame. But My loans in the United States clearly does not have a spokesperson of this caliber.

Even though My USA Loans doesn’t have a big face to the business, we believe they will continue to be successful as a payday lender. In the event that they all decide to hire a celebrity to do their marketing for them, we think Lizzo would be a perfect fit for them.

=> Visit My American Loans Official Website for more information

Final Notes on Loans for Bad Credit with Guaranteed Approval

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Pexels.com

Loans for bad credit – Scoring him in America isn’t easy, let’s face it. The cost of living is high and the expenses keep piling up. Look at the price of gas! It has increased so much even last year. Is it worth driving to work? It depends. If the cost you are going to spend to get to your job is so high, do the numbers work? And do you save more by not making long trips? Simply put, the situation in America is not good right now. There are so many people struggling just to get by.

What is the solution for these people? Well, there aren’t many solutions at all. Bad credit loans and payday loans seem like the only realistic answers. If you’re so behind on your bills and your rent, payday loans may be the only answer for you.

If this sounds like you and you’re having trouble making your payments, you should consider taking out a bad credit loan. But remember that you need to do your due diligence first. Not all bad credit lenders are created equal. Some might rip you off while others will take good care of you. Proceed with caution whenever you get a loan for bad credit.

=> Visit MoneyMutual official website for more information

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Buc-ee gas station comes to Missouri | Missouri News | Saint Louis https://shul21.org/buc-ee-gas-station-comes-to-missouri-missouri-news-saint-louis/ Tue, 16 Aug 2022 17:20:00 +0000 https://shul21.org/buc-ee-gas-station-comes-to-missouri-missouri-news-saint-louis/ COURTESY OF PR GLOBAL NEWSWIRE Buc-ee’s is more than just a gas station. The world’s most perfect gas station is coming to Missouri. For those who have never been to Texas (or any of the other states where there are Buc-ee’s), Buc-ee’s is something of an institution. Known for its clean bathrooms, beaver mascot, and […]]]>

COURTESY OF PR GLOBAL NEWSWIRE

Buc-ee’s is more than just a gas station.

The world’s most perfect gas station is coming to Missouri.

For those who have never been to Texas (or any of the other states where there are Buc-ee’s), Buc-ee’s is something of an institution. Known for its clean bathrooms, beaver mascot, and great snacks, people often make Buc-ee a stopover on the road.

Now the gas station, which calls itself a travel hub because it’s so much more than a gas station, is building its first location in Missouri and for some it could become a roadtrip destination.

The Travel Center will be located at 3284 N. Mulroy Road in Springfield, Missouri. It will be 53,000 square feet with 120 aid stations. But gas is just gas. The real treat is inside the convenience store, which will have its famous snacks, including snacks like Texas BBQ, homemade fudge, kolaches, beaver nuggets (corn puffs), dried and fresh pastries.

The new Buc-ee’s will roll out on Tuesday, August 23, and Springfield knows how important that is. Mayor Ken McClure and Springfield Councilor Abe McGull plan to attend.

Buc-ee’s was founded in Texas in 1982 and has opened travel centers in Alabama, Georgia, Florida, Kentucky, South Carolina and Tennessee. The friendly beaver also breaks new ground in a store in Colorado.

Springfield Buc-ee promises to create 200 full-time jobs with pay starting above minimum wage and a 6% match in a 401k plan. (We told you it was special.)

“We are thrilled to be a part of this community and excited to make Springfield our first stop in Missouri,” said Stan Beard, director of real estate at Buc-ee’s. Hopefully, he hints that a Buc-ee is getting even closer to the St. Louis metro area, but until then, we’ll take what we can get.

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GN employees will receive $3,500 on Wednesday from the signing of a new contract https://shul21.org/gn-employees-will-receive-3500-on-wednesday-from-the-signing-of-a-new-contract/ Mon, 08 Aug 2022 20:25:00 +0000 https://shul21.org/gn-employees-will-receive-3500-on-wednesday-from-the-signing-of-a-new-contract/ Unionized Nunavut government employees can expect a $3,500 lump sum payment in their accounts on Wednesday, the president of the Nunavut Employees Union said. Union President Jason Rochon made the announcement Monday during the signing of the new collective agreement between the union and the GN at the Iqaluit Legislative Assembly. It took more than […]]]>

Unionized Nunavut government employees can expect a $3,500 lump sum payment in their accounts on Wednesday, the president of the Nunavut Employees Union said.

Union President Jason Rochon made the announcement Monday during the signing of the new collective agreement between the union and the GN at the Iqaluit Legislative Assembly. It took more than four years to negotiate a new contract between the GN and its 4,000 unionized workers to replace the deal that expired in 2018.

Over the six-year term of the new contract, workers will receive annual wage increases of between zero and 3.5 percent per year. At the end of the contract, salaries will be 9.31% higher than in 2018. The new contract will come into effect on October 1, 2018, the day after the expiry of the previous contract. It will see the territorial government and its workers unionized until it expires in September 2024.

Employees who worked for four years will be paid retroactively in four instalments starting this fall, likely the same day as the salary increase, Rochon said.

The $3,500 lump sum payment is paid to all employees, including those who work indeterminate, term or casual.

“We recognize that our GN members have had to wait a long time, but we have worked very hard especially in the last month to make sure everything was translated, everything was rechecked and to try to implement the new collective agreement as quickly as possible. possible. as possible,” he said.

The ratification comes as Canada is experiencing record inflation – it was set at 8.1% in June compared to the same month last year, tlargest increase since 1983, nearly 40 years ago.

“Nobody, on the management side or on the union side, has seen inflation rise as it has. So we did our best,” Rochon said.

“We think we’ve gotten the best possible deal at the moment. We’re ready to get the formula fixed when we get back to the table in less than a year and a half or so. We can’t wait to be there. .

Rochon said he didn’t know the percentage of unionized employees who voted on the deal, but said it was the highest turnout the union has ever seen.

He also did not say how many employees voted in favor of the deal.

The new collective agreement, which will expire on September 30, 2024, also includes other benefits.

Employees will see five days of paid leave and five days of unpaid domestic violence leave; two days of discretionary special leave, instead of one; two paid days per year for Inuit cultural activities; increase in annual maximum dental benefits from $1,200 to $2,000; and extended parental leave allowances, among other inclusions.

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