Photography Business – Lotts Photo http://lottsphoto.com/ Sat, 14 May 2022 11:48:45 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://lottsphoto.com/wp-content/uploads/2021/03/default-130x130.png Photography Business – Lotts Photo http://lottsphoto.com/ 32 32 The Day – Blumenthal and Murphy escalate the culture war with hysteria https://lottsphoto.com/the-day-blumenthal-and-murphy-escalate-the-culture-war-with-hysteria/ Tue, 10 May 2022 01:42:02 +0000 https://lottsphoto.com/the-day-blumenthal-and-murphy-escalate-the-culture-war-with-hysteria/ Abortion and gender dysphoria are serious issues that deserve serious discussion. But you would never know by listening to the two US senators from Connecticut, Richard Blumenthal and Chris Murphy. They only offer hysteria to excite their followers, fanning the flames of culture war. According to Blumenthal, the Supreme Court’s leaked draft decision reversing its […]]]>

Abortion and gender dysphoria are serious issues that deserve serious discussion. But you would never know by listening to the two US senators from Connecticut, Richard Blumenthal and Chris Murphy. They only offer hysteria to excite their followers, fanning the flames of culture war.

According to Blumenthal, the Supreme Court’s leaked draft decision reversing its 1973 decision in Roe v. Wade “would be a horrifying moment inflicting a huge leap backwards with incalculable cost and chaos for countless women and their families. … Overturning Roe v. Wade would leave American women abandoned and alone.”

Eh? “Incalculable costs and chaos” because the states and Congress would regain the power to legislate abortion through the ordinary democratic process? Blumenthal gives the impression that nine unelected judges are plotting to fix abortion law nationwide when in fact they are preparing to to renouncer the judiciary to do so.

And how would reversing Roe leave women “abandoned and alone” while retaining all of their other constitutional and statutory rights? If every woman in the country stood up to support the codification of abortion rights, those rights would be codified everywhere. These rights are not codified by some states and by Congress precisely because many women disagree with Blumenthal’s abortion bigotry, not because they are “abandoned and alone.”

Few protests against the court’s proposed decision involve the question currently before the court: what does the Constitution require? Indeed, few people other than serious lawyers and journalists have even read the draft decision and its dozens of footnote references. Almost all of the protests against the proposed ruling involve something entirely different: what should abortion policy be? Most of those protesting the proposed ruling seem to think the Constitution requires whatever they want and prohibits whatever they don’t.

Some people argue that the court should not overturn precedents. Yet the court has often done so, as with the odious precedent for racial segregation, Plessy v. Ferguson. This precedent stood for 58 years before being overturned, nine years longer than the Roe decision was in effect, and Plessy’s adaptation to the overthrow was far more disruptive than would be the adaptation to the overthrow of Roe.

As a policy rather than a law, Roe may well have gotten abortion – that it should be left to the individual before fetal viability, after which the state has a legitimate interest in legislating , including legislating to protect the life of the unborn child.

Short of saving a woman’s life in the midst of a rare complication, there is no good reason to abort after viability. After all, this is the age of free contraception, free morning-after pills, free abortion before fetal viability, and free delivery of unwanted babies to hospital emergency rooms.

While some states seem keen on banning abortion, in the long run, with democracy working on the issue, the policy outlined in Roe might make sense to most people and be legislated by most states and Congress.

Some people call the Roe inversion “radical”. But far more radical is post-viability abortion, which has in fact become legal by court order almost everywhere in the country.

Last month, opponents of abortion somehow seized a medical waste truck carrying the mutilated corpses of aborted late-term fetuses at a clinic in Washington, D.C. Photos of the corpses were published. If the corpses had been found in a devastated street in Mariupol, no one, except perhaps Vladimir Putin, would deny their humanity and that a right to life would have been unduly violated.

As for Senator Murphy, he denounces as “bullies” anyone who will not follow the transgender movement with him.

He accuses transgender students of being barred from participating in sports. But they remain free to participate in sports for their biological sex. He complains that transgender students are not allowed to use toilets that match their gender identity. But that’s just a matter of long-standing sexual privacy and safety. He complains about attempts to ban sex reassignment therapy for minors. But such therapy often has adverse consequences that minors cannot fully assess.

Raising these objections to the transgender is not “bullying”. It’s controversy. The bully here is Murphy himself.

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The Day – Connecticut GOP nominates Bob Stefanowski for rematch with Governor Ned Lamont https://lottsphoto.com/the-day-connecticut-gop-nominates-bob-stefanowski-for-rematch-with-governor-ned-lamont/ Sat, 07 May 2022 02:44:05 +0000 https://lottsphoto.com/the-day-connecticut-gop-nominates-bob-stefanowski-for-rematch-with-governor-ned-lamont/ Connecticut Republicans united Friday night behind the revived gubernatorial ambitions of Bob Stefanowski, the businessman who outflanked the GOP establishment in 2018 to lose by three points to Governor Ned Lamont. Stefanowski, 59, of Madison is a former corporate CEO who pledged $10 million of his own money to do what hasn’t been done since […]]]>

Connecticut Republicans united Friday night behind the revived gubernatorial ambitions of Bob Stefanowski, the businessman who outflanked the GOP establishment in 2018 to lose by three points to Governor Ned Lamont.

Stefanowski, 59, of Madison is a former corporate CEO who pledged $10 million of his own money to do what hasn’t been done since 1954: unseat a sitting governor in Connecticut, the land of the stable habits.

In a ballroom at the Foxwoods Resort Casino, state convention delegates endorsed Stefanowski and his running mate, Rep. Laura Devlin, 61, of Fairfield.

“We did it,” Stefanowski said, smiling broadly and raising his fist.

Delegates also endorsed Representative Harry Arora of Greenwich for Treasurer and Jessica Kordas of Norwalk for Attorney General. Voting resumes on Saturday on contested nominations for comptroller, secretary of state and the US Senate.

Stefanowski’s acceptance speech went straight to the heart of his message and his challenge: Republicans are pursuing a case of Democratic tax malfeasance in a year of tax cuts, surpluses, reduced debts and big reservations.

“After 40 years of a Democratic-controlled legislature, Connecticut is the definition of a failed state — billions and billions in debt with absolutely nothing to show for it,” Stefanowski said.

Watching was Tim Ackert, a delegate and state representative from Coventry.

He has already heard Lamont repeatedly make a succinct argument that Connecticut has bounced back, sometimes even praising Republicans like Ackert for helping to put in place significant safeguards against overspending in a 2017 bipartisan budget.

Republicans have a point to make, he said, but Democrats have a two-word sticker right now: tax cuts.

“It’s going to be tough,” he said.

Ben Proto, the Republican state chairman, said Stefanowski would be helped by the specter of inflation and the impact consumers are already seeing when buying groceries or pumping gas.

“They pay $3.50 to $4 for a gallon of milk, plus $4 for a gallon of gasoline, $6 for a gallon of fuel oil,” Proto said. “Prices are rising, wages are stagnating. And the tax cuts, at the end of the day, are minimal for the average family.

Four years ago, Stefanowski promised revolution. He offered a daily affirmation of his vow to cut state government costs and do away with his income tax over eight years, a supply-for-growth prescription.

This year he talks more modestly, almost generically, about making Connecticut a little more affordable. He riffs on Ronald Reagan’s 1980 campaign in which inflationary fears made voters receptive to unseating Jimmy Carter.

On Friday, Stefanowski spoke of simpler times, better times when his parents worked for the telephone company, a symbol of stable income and a path to the middle class.

“Life was simple. The neighborhood was safe. Utility bills, groceries, gas prices were all affordable. You could actually buy a car without having to wait six months to get into it,” said Stefanowski, who grew up in North Haven. “My three three sisters and I received an excellent education in public schools.

“We graduated from colleges in Connecticut without a ton of crippling student debt,” he said. “Connecticut was a winner, the envy of the nation with low taxes, a state government that knew when to help – and when to get the heck out of the way.”

This message may have had greater resonance four years ago.

Stefanowski was then vying for an open seat, trying to succeed an unpopular Democratic governor who had inherited a massive deficit, repeatedly raised taxes and seen revenues fall below projections in six of his eight years.

Stefanowski mixes his tax message this year with a call to parents unhappy about the impact of COVID-19 on their children’s education and a nod to conservative talking points on social media and Fox News on erosion. parental influence on what their children learn in schools.

“My Connecticut vision emphasizes the core values ​​that have made the United States the greatest country in the world, an ability to provide Connecticut residents with personal freedom, individual liberty, a smaller government that empowers residents to live their lives the way they want to — a vision that will empower parents, not the state government, to raise their children,” Stefanowski said.

This line earned him perhaps his strongest applause.

Neither Stefanowski nor Devlin took note of the Supreme Court’s expected repeal of Roe v. Wade, guaranteeing that abortion will be a feature of every statewide race in America. Devlin recently voted for an abortion rights bill that makes Connecticut a safe haven for women seeking abortions.

“I’m running for lieutenant governor because we need a team leading our state that listens to the people, isn’t afraid to act, and holds the people to account,” Devlin said. a former Pfizer executive. “Our state deserves better than what it receives.”

Republicans have not won a statewide race since Mr. Jodi Rell was elected governor in 2006. A brief GOP resurgence from 2010 to 2016 collapsed in the midterm elections of 2018, when the party could not overcome the unpopularity of President Donald J. Trump.

This year, Republicans insist that President Joe Biden’s unpopularity has created an opening for Stefanowski, whose disinterest in politics before 2018 was measured in his inability to vote for 16 years, not voting in 2016. for Trump or Hillary Clinton.

“We have 185 days left, ladies and gentlemen, to win this thing,” Stefanowski said. “Let’s not look back. Don’t leave anything on the ground. Have no regrets. Let’s be aggressive. Let’s be honest. Let’s be fair.

Stefanowski had a long career in corporate finance, with stints at GE and UBS. But his last job was one that caused problems in 2018 and will continue to do so: he was the CEO of a global payday loan company whose product line is illegal to offer in Connecticut.

Stefanowski’s campaign four years ago was that of an insurgent, a political unknown who showed up in early TV ads, skipped the GOP convention and demanded his place in a five-way primary.

“What a difference four years makes,” he said, smiling.

He arrived in Mashantucket, home of Foxwoods and the Mashantucket Pequot reservation, knowing the nomination was his, though it was briefly delayed by Susan Patricelli Regan, a marketing executive who had spent around $7,500 in a Don Quixote effort to lead the party.

The tally was 1,130 to 36.

Stefanowski said he didn’t mind waiting.

ctmirror.org

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Workers’ Day: Why you should consider paying wages on demand for your employees https://lottsphoto.com/workers-day-why-you-should-consider-paying-wages-on-demand-for-your-employees/ Fri, 06 May 2022 16:23:10 +0000 https://lottsphoto.com/workers-day-why-you-should-consider-paying-wages-on-demand-for-your-employees/ Engaging and retaining a group of skilled and highly motivated employees to perform the day to day demands of their roles are fundamental requirements for the success of any business venture in Nigeria. It is also important that while they are performing their assigned tasks, there are no (or at least minimal) distractions that could […]]]>

Engaging and retaining a group of skilled and highly motivated employees to perform the day to day demands of their roles are fundamental requirements for the success of any business venture in Nigeria. It is also important that while they are performing their assigned tasks, there are no (or at least minimal) distractions that could affect the quality of their output. According to PwC’s 10th annual Employee Financial Wellbeing Survey, more than 63% of employee stress increased during the pandemic, and many were four times more likely to struggle to cope. monthly household expenses. The report goes on to say that employees were twice as likely to have used a payday loan or payday advance.

In recent times, financial distress in Nigeria has reached an all-time high, with some employers taking cost-cutting measures such as layoffs, pay cuts and freezing raises and bonuses. Employers are in a difficult situation, especially because the productivity of the workforce is directly proportional to the overall health of the company and its operations. Therefore, employers must take deliberate steps to ensure that a framework that supports the financial well-being of employees is embedded into the organizational culture of the company.

With many companies in Nigeria placing high value on key metrics such as productivity, retention and physical health, it has now become essential for employers to implement innovative solutions that provide some level of security to protect the above measures and the organization’s net income. . This is necessary to avoid lost productivity due to distractions that can often result from unmet financial obligations. A quick survey of some Nigerian employees whose financial stress has increased over the past few months due to inflation revealed that their finances have been a distraction at work.

These are the circumstances that have necessitated a greater focus on the financial well-being of employees around the world. Pay-as-you-go is one of the growing financial wellness solutions that have been proposed. Also known as Earned Wage Access (EWA), this is a system that allows employees to access wages earned before the traditional four-week payment cycle. Essentially, the pay-on-demand model allows employees to access their earned salary. It is not a loan or an advance; it is money that they have earned over a period of time.

Albert Owusu-Asare and Ameer Shujja, co-founders of Cadana, a Ghana-based tech start-up with recent expansion into Nigeria, are at the heart of this innovative solution for African businesses. Cadana helps companies delight their employees by providing a modern payroll platform that allows employees to access their earned pay on-demand, anytime, from anywhere.

With its formidable mission to accelerate wealth creation for African workers, the pay-as-you-go business is building a flexible, real-time, borderless compensation solution. Given the unpredictability of our daily lives, unexpected bills and expenses can cause great distress to employees who have no choice but to resort to payday loans with often unfavorable repayment terms.

Cadana is shaping the future of compensation for work by working on the vision of giving more than 400 million African workers access to financial solutions that will impact the culture of work in Africa through increased productivity. The compelling platform helps African HR managers digitize payroll, statutory compliance, onboarding, offshoring, reporting, time tracking, and other processes. Cadana’s time tracking solution automatically syncs with payroll to make disbursements seamless, making life easier for people managers and small business owners throughout the payroll cycle.

With the current state of inflation globally, and especially in Nigeria, it has become essential for business owners to explore solutions such as Cadana to address issues related to poor financial health of employees, as these issues hamper workforce productivity.

According to the 2019 Financial Wellbeing Index, 19% of employers reported an increase in absenteeism due to financial hardship. According to the same study, 22% of employers see a drop in productivity due to poor financial health. At this point, it’s safe to say that with the help of technology, pay-as-you-go can significantly reduce financial stress, resulting in a more motivated and productive workforce in Africa.

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Warning about ‘same day’ loan ads reaching 1,721% flooding Facebook https://lottsphoto.com/warning-about-same-day-loan-ads-reaching-1721-flooding-facebook/ Fri, 06 May 2022 12:43:00 +0000 https://lottsphoto.com/warning-about-same-day-loan-ads-reaching-1721-flooding-facebook/ HARD-UP Brits are being targeted with misleading advertisements for loans at exorbitant interest rates on social media. An investigation by The Sun revealed sponsored posts on Facebook promoting loans with eye-watering rates of up to 1,721%. 4 High interest loans advertised to people struggling with billsCredit: AFP 4 Facebook ads promise money in ‘minutes’ Several […]]]>

HARD-UP Brits are being targeted with misleading advertisements for loans at exorbitant interest rates on social media.

An investigation by The Sun revealed sponsored posts on Facebook promoting loans with eye-watering rates of up to 1,721%.

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High interest loans advertised to people struggling with billsCredit: AFP
Facebook ads promise money

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Facebook ads promise money in ‘minutes’

Several promised money within minutes or the same day and some didn’t post the potentially high rates until they read the fine print.

The ads appeared on our Facebook feed after using search terms on the popular platform like Universal Credit, debt help and borrow money.

Ads should include representative APRs and specific risk warnings about late payments and a link to the government’s Moneyhelper website.

And credit brokers must declare that they are brokers and not lenders, among other rules for financial companies.

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An advert for loan broker Little Loans promised ‘money can be sent in 15 minutes’ and a loan of between £100 and £10,000 with a representative APR of 49.9%.

After clicking, small print on the page reveals that the rates range between 11.8% APR and a maximum of 1,721%.

It says it compares 30 lenders to give you “the lowest APR possible” and will be based on your personal circumstances.

APR stands for Annual Percentage Rate and is used to calculate the amount of interest you will pay in addition to paying back the original amount you borrowed.

Borrowing £100 for 12 months with the highest interest rate would mean paying back £143.42 per month, costing you £1,721.04 in total.

That’s interest of £1,621.04 – 16 times the amount borrowed.

Another advertisement for Fund Ourselves promised to “get money into your account today”, but did not state how much you could borrow or what interest rate you would pay.

After clicking on new customers, they are told they can apply for an “instant affordable short-term loan” of up to £800 for new customers or £1,500 if you have already borrowed.

But the representative APR is 505.7%.

The representative APR means that at least 51% of clients obtain this advertised rate if they are accepted for a loan.

Borrowing just £100 for 12 months would cost £42.77 in monthly repayments and you would repay £513.25 in total.

You would pay interest alone of £413.25, more than four times the original loan amount.

Another advertisement for Drafty offers loans of up to £3,000 with a representative APR of 89.7%.

Borrowing £100 for 12 months would cost £12.91 in monthly repayments, making £154.93 in total and interest alone would cost £154.93.

Several loan ads violate Facebook guidelines and have been removed

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Several loan ads violate Facebook guidelines and have been removed
Hardened Brits are targeted by ads with high interest rates

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Hardened Brits are targeted by ads with high interest rates

Dangers of high cost credit

High cost credit is where rates and other costs are much higher than standard borrowing arrangements.

In recent years, the city’s watchdog has cracked down on high-cost credit, including home loans, rent-to-own, overdrafts and payday loans.

It follows the Sun’s Stop The Credit Rip-Off campaign to help the millions of families who fall prey to loan sharks and legal loan sharks.

A report by the Financial Conduct Authority (FCA) in 2019 found that almost 3 million people use high cost credit.

Many are on low incomes and have low credit scores and are excluded from traditional loans.

This means those who can least afford it pay more to borrow and that’s often for emergencies and unforeseen shortfalls.

It comes as millions of households face soaring costs of living, driven by higher energy bills and more expensive food on supermarket shelves.

And there are fears that many people struggling to get by will have to borrow money to cover day-to-day expenses.

Credit card borrowing hit £1.5billion in February, the biggest increase since Bank of England records began in 1993.

And borrowing is set to hit a five-year high this year, according to EY Item Club, as millions of families struggle to make ends meet.

Sue Anderson, from debt charity Stepchange, said that at a time when so many people were struggling, it was hard to justify this type of marketing “which is clearly aimed at people who may be in financial difficulty”.

She said: “Promoting quick and easy access to high-cost credit trivializes it and risks causing hasty decision-making that compounds financial hardship.

“Clients need time to consider borrowing, not a design that rushes them into a decision that could put them further into debt.

“Those with low financial resilience are most likely to use high cost credit products, not by choice but due to a complete lack of borrowing alternatives.

“The loans in these ads could be regulated, but the exorbitant APRs illustrate a frighteningly high risk of harm.

“Repeated use of these types of products to make ends meet – often the reason people turn to this type of borrowing – can lock people into a spiral that is very hard to get out of, especially more if they already have low incomes.

“Unfortunately, with the cost of living crisis set to get even worse in the coming months, there is every chance that we will see an increase in the number of people forced to resort to this type of loan just to make it out.

James Daley, the founder of consumer website Fairer Finance, said it was “shocking” that lenders were targeting those on benefits.

He said: “These are vulnerable customers who are very unlikely to be suitable for new credit offers – and it’s hard to see how this type of targeting would comply with FCA rules.

“Credit isn’t always bad – but it’s unlikely to be the answer for people who are already struggling and companies need to be very careful about how they advertise.

“Lenders often go overboard by focusing on how quickly money will get into your account or focusing on how easily it can be applied for.

“Some of the interest rates on offer are eye-watering and do not appear to be in line with the ceiling imposed by regulators several years ago.

“It is important that the FCA look into this urgently.”

After highlighting the ads, Facebook said it removed the ads for violating its guidelines.

In its advertising policies, the social network specifies: “Ads cannot promote payday loans, paycheck advances, surety bonds or any short-term loan intended to cover someone’s expenses. until his next repair. Short-term loan refers to a 90-day loan. or less.”

The FCA has since written to 28,000 lenders and brokers warning them not to use misleading terms in their advertising.

Sheldon Mills, executive director of consumer and competition at the watchdog, said:

“The rising cost of living means that many more consumers could find themselves in difficulty.

“When people are looking for a loan, it is essential that they have a full idea of ​​what it could mean and the risks involved, especially if they are already in a difficult financial situation.

“There is no excuse for ads to make borrowing easier or less risky than it is and they should be about helping customers through the cost of living crisis – not ‘exploit in their marketing.’

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A spokesperson for Digitonomy, the company behind Little Loans, said: “If you are using Facebook’s search function to ‘borrow money’ then more than likely Facebook will choose to show ads relevant to your search “borrow money”. including money comparison sites such as small loans which earned a Platinum 5-star rating from customer feedback site Feefo in 2022″

Fund Ourselves and Drafty did not respond to requests for comment.

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Best Loans No Credit Check With Same Day Approval | Best Same Day Loans for May 2022 https://lottsphoto.com/best-loans-no-credit-check-with-same-day-approval-best-same-day-loans-for-may-2022/ Wed, 04 May 2022 05:30:00 +0000 https://lottsphoto.com/best-loans-no-credit-check-with-same-day-approval-best-same-day-loans-for-may-2022/ Whenever you need a loan for bad credit , take a look for one that has a low interest rate. Several lenders offer advances to people with bad credit at all times and at various interest rates. Before choosing a bank, it is essential to be as informed as possible. The creditor you select should […]]]>


Whenever you need a loan for bad credit , take a look for one that has a low interest rate. Several lenders offer advances to people with bad credit at all times and at various interest rates. Before choosing a bank, it is essential to be as informed as possible. The creditor you select should offer you a low interest rate on an emergency loan.

When a lending institution agrees to give you credit, they usually check your credit history to see if you have a good credit history. Lenders do this to ensure that the person they are lending money to pays back the bad loan.

Since the market has grown accordingly, a variety of online loan companies offer bad credit advances to people with poor credit ratings. You don’t need perfect credit to get an emergency loan these days. If you have bad credit, you can get a bad credit loan.

The above lenders can help you get the funds you need and improve your credit score by making payments on time. It is important to note that these companies are autonomous, which allows them to respond quickly to Credit Master decisions.

We didn’t just go online and choose the most common and alluring credit loans for this blog entry. Accordingly, we have enlisted the help of reliable loan patrons who offer reasonable interest rates on their advances.

This is often the result of these loan specialists’ excessively high interest rates and other costs. Moreover, you can rest assured that these companies are genuine and will not deceive you.

Let’s take a look at loans for bad credit now.

Top online bad credit loans:

Accordingly, we have filtered out the best bad credit loan providers in this article. We will then review the strengths, pros, cons, and active customer engagement of these advanced providers to give you a clear idea of ​​what you can expect from them.

1. MoneyMutual : Personal loans for bad credit

2. BadCreditLoans : Loans without credit check and guaranteed approval

3. CashUSA : Personal loans for bad credit

4. Personal loans : Instant Payday Loans Online

5. FondsJoy : Loans without a credit check

MoneyMutual is indeed one of the finest and most appreciated advanced providers in the country. It’s more common because it doesn’t always do a full background check on borrowers.

The free benefit above connects loan borrowers with bad credit to legitimate banks and distinguishes them when buying advances based on their credit scores.

MoneyMutual is neither a lender nor a borrower; instead, it serves as a platform for these two parties to lend and borrow money. Think of it as an Amazon or an eBay for advances rather than items.

The company has been in business for almost ten years and has helped over two million people in the United States with their financial needs.

Features

The main features of MoneyMutual are:

Advantages

  • Ranks #1 Among Bad Credit Loan Companies

  • It is relatively simple for people with poor credit to obtain loans.

  • Marketing has a lot of notoriety and is part of the experience

  • Filling out the online form takes a lot of time.

  • You will receive the reservations within 24 hours.

The inconvenients

Customer service

Customers agree that the service is simple and contacting banks via the Internet is simple. Customers also find that this service allows them to make payments faster than similar administrations.

MoneyMutual is by far the best online loan provider without credit check with guaranteed approval.

⇒Visit MoneyMutual official website for more information

People who have had credit problems are familiar with bad loans. This free service connects lenders and applicants, allowing them to endorse loans regardless of their credit scores.

We advocate this because borrowers have described receiving shops from lending institutions on this site without having to submit a credit check.

This company has no control over the banks listed on this site. It provides you with all the information you need to determine if a particular lending partner meets your needs.

Features

Here are the essential characteristics of bad loans:

  • A platform that helps connect lenders with lenders and provides enough information about each other to both parties.

  • The site uses advanced encryption technology to protect your information.

  • The use of this service is completely free.

  • Borrowers need only complete an online application for financial institutions to decide whether or not to work with them.

Advantages

  • Borrowers can use it to find lenders quickly and easily.

  • The service is free.

  • Financial institutions on the platform have relatively lenient credit requirements.

  • Loan amounts ranging from $500 to $5,000 are available.

  • Allows you to compare and evaluate borrowing costs offered by different lenders.

The inconvenients

Experience with customers

Customers appreciate how easy it is to get a loan approved on this site, as only a few credit checks are required. Plus, filling out the site form in just a few minutes adds to the ease with which most people find this service.

Some may consider BadCreditLoans the best no credit check loan with an online approval guarantee.

For more information, visit the official bad credit loans website.

CashUSA offers borrowers a variety of financing options to meet their immediate needs. It doesn’t matter if you want to pay off a debt or buy something new. CashUSA is able to adequately meet all requirements.

Additionally, the loans available on this site are regularly double those available on other dodgy loan collateral clearance sites.

You will be able to correlate the offers of the lending establishments to your condition once you have finalized the online form of the site. So don’t worry if you don’t get a lender referral on the site.

As usual, you will be able to rate credit repair, debt reduction and other services. If you receive an offer, the bank will ask you to provide additional information to the lender to determine whether or not they want to extend credit to you.

Features

Here are the main features of CashUSA:

  • He consults an extensive network of lending institutions and partners to determine loan eligibility.

  • Customers must complete a form and provide additional data to receive a refund if required.

  • Your personal information is kept secure.

  • Loans of up to $10,000 are available to clients.

  • After receiving the assurance of approval, the money is instantly transferred to their bank accounts.

Advantages

  • Funds are available in a timely and convenient manner.

  • The amounts of the loans are larger than those granted by similar companies.

  • Customer data is kept secure.

  • There are long and short loans available.

The inconvenients

Experience with customers

Customers appreciate the simplicity of applying for a loan on this site and the speed with which they can receive large sums of money. Customers also appreciate how adjustable interest rates and repayment options are on this website.

CashUSA is undoubtedly one of the best online no credit report loans with guaranteed approval. If you are looking for online loans for bad credit, you have come to the right place!

⇒Visit the official CashUSA website for more information

On the site, you will also find loan rates and other details about offers, which you can use to make a rational decision on which lender to choose. It is one of the most used tools by customers.

⇒Visit Personal Loans official website for more information

Customers appreciate the speed of the loan process. After applying for the loan, you will get your documentation quickly. After signing the electronic signature, the funds could be in your account within 24 hours.

=> Visit the official FundsJoy website for more information now!

Conclusion: Who is the number 1 loan lender for bad credit?

We will now summarize and define which company in America offers the best loan for bad credit.

MoneyMutual is your best option if you are looking for No Credit Loans with Guaranteed Approval.

The loan companies we have discussed in this article are some of the best bad credit lenders in the United States. Our recommendation is to use the services of MoneyMutual due to their excellent customer service. Online lenders also provide access to various other financial institutions, such as credit and debit cards and car loans. These websites help you compare borrowing costs from multiple lenders so you can choose the best option for you.

=> Apply for a payday loan for bad credit now!


The news and editorial team at Sound Publishing, Inc. played no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.

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The Day – The White House in an indulgent mood? At least $10,000 in student loans could be wiped out https://lottsphoto.com/the-day-the-white-house-in-an-indulgent-mood-at-least-10000-in-student-loans-could-be-wiped-out/ Sat, 30 Apr 2022 04:15:04 +0000 https://lottsphoto.com/the-day-the-white-house-in-an-indulgent-mood-at-least-10000-in-student-loans-could-be-wiped-out/ WASHINGTON — The White House is considering canceling at least $10,000 in student loans per borrower through executive action, people familiar with the matter say, with momentum building as President Joe Biden seeks ways to boost voter enthusiasm ahead of November’s midterm elections. The move would involve considerable risk. Some deficit hawks fear it will […]]]>

WASHINGTON — The White House is considering canceling at least $10,000 in student loans per borrower through executive action, people familiar with the matter say, with momentum building as President Joe Biden seeks ways to boost voter enthusiasm ahead of November’s midterm elections.

The move would involve considerable risk. Some deficit hawks fear it will worsen inflation that is already weighing heavily on Democrats’ chances of retaining control of the House and Senate. But any move may not go far enough to appease progressives and other advocates.

The administration has yet to finalize the outlines of the proposal, but aims for the relief to be targeted to low- and middle-income people, according to people familiar with the internal discussions. Biden himself confirmed on Thursday that he plans to do something about it, but said he doesn’t weigh $50,000 in forgiveness per borrower.

That figure has been put forward by House Progressives and Democratic Senator Elizabeth Warren, as well as several advocacy and civil rights groups. Warren’s former top aides, including Julie Margetta Morgan and Bharat Ramamurti, now hold senior positions in the Biden administration, working on the issue at the Department of Education and the National Economic Council.

The president offered to waive $10,000 per borrower during the presidential campaign, but his White House was slow to deliver on his promise. He extended a temporary freeze on student debt payments that was enacted in the early days of the pandemic, a move that allowed him to kick the road on the issue.

When debt payments were frozen in 2020, it was part of a broader effort to support demand in the pandemic slump. That logic no longer applies now, with the Federal Reserve battling runaway inflation and trying to rein in spending, not stimulate it.

Aides say the president had hoped Congress would take legislative action and his team was split on the merits of a broad student debt forgiveness.

The White House is looking for ways to excite progressives and other crucial voter groups ahead of the midterm elections, where lackluster polls for Democrats show the party faces an uphill battle against an overfed Republican base .

Canceling student debt polls very well among voters under 45, especially young men who may have borrowed money for a community or technical college, said Celinda Lake, president of Lake Research Partners, a firm that works with Democratic candidates and interest groups and advised Biden’s presidential campaign. A Morning Consult/Politico poll from early April showed that 47% of respondents rated student debt relief as a major or very important issue.

A $10,000 forgiveness per borrower — the floor of what Biden is considering — would pay off loans for 15 million out of 46 million borrowers.

Such a move could have a particular impact on black Americans, who are disproportionately affected by student loan debt. Statistics from the Education Data Initiative show that the average black college graduate owes $25,000 more than their white peers.

Nearly half of black students owe an average of 12.5% ​​more than they borrowed in just four years out of college. During the same period, 83% of white graduates owe 12% less than they borrowed. More than half of black student borrowers say their net worth is less than their student debt balance.

“President Biden, we agree that we should not forgive $50,000 in student loan debt. We should call it all off. $50,000 was just the bottom line. For the black community, which has racked up debt over generations of oppression, anything less is unacceptable,” the NAACP’s Wisdom Cole said in a statement.

Asked if she would support Biden’s write-off of just $10,000 per indebted borrower, Warren told reporters Thursday that she would “not be negotiating against” herself.

“We chose the $50,000 figure because it does the most to close the racial wealth gap, the gender wealth gap and promote equal opportunity across the country,” Warren said Thursday. .

Progressives spent Thursday praising Biden for striking up a conversation.

Rep. Mondaire Jones, a progressive Democrat from New York, said if he thought Biden should cancel more, “even $10,000 would be transformative for millions of Americans.”

Moderate Democratic Sen. Joe Manchin told reporters on Wednesday that something needed to be done to provide student debt relief, but he’s worried about “cancelling it completely.”

Republicans argue that canceling student debt is costing the government too much and would increase inflation. GOP Sense. John Thune, Richard Barr, Mike Braun, Bill Cassidy and Roger Marshall introduced a bill that would prohibit the president from writing off outstanding federal student loan debt due to a national emergency.

“After a huge increase in our national debt, thanks to the pandemic and reckless Democratic spending, the government doesn’t need to give up billions of dollars in providing student loan relief to Americans,” Thune said Wednesday.

A White House spokesperson said the administration’s actions so far on student debt have resulted in the approval of more than $17 billion in waivers to more than 700,000 borrowers, as well that additional tens of billions saved by the 41 million borrowers who benefited from the extended student loan payment break.

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For recruitment and retention, some Minnesota companies are turning to same-day payment https://lottsphoto.com/for-recruitment-and-retention-some-minnesota-companies-are-turning-to-same-day-payment/ Fri, 22 Apr 2022 14:59:49 +0000 https://lottsphoto.com/for-recruitment-and-retention-some-minnesota-companies-are-turning-to-same-day-payment/ In 2020, “stimulus check” and “second stimulus check” were among the top 15 Google searches in the United States. That same year, a Ernst and Young report estimated that in the countries of the Organization for Economic Co-operation and Development (OECD), around $1 trillion in workers’ wages lie dormant in employers’ coffers every day. “It’s […]]]>

In 2020, “stimulus check” and “second stimulus check” were among the top 15 Google searches in the United States.

That same year, a Ernst and Young report estimated that in the countries of the Organization for Economic Co-operation and Development (OECD), around $1 trillion in workers’ wages lie dormant in employers’ coffers every day.

“It’s basically been an interest-free loan from an employee to an employer,” said Aaron Fuchs, commercial vice president of Ceridian, a Bloomington-based human capital management firm. To laypersons, that means “it’s a software company and the software it provides is inherently HR-centric,” Fuchs said.

Stimulus checks were a way out. Ceridian is part of a growing industry that is disrupting “payday”.

The article continues after the ad

In her role, Fuchs oversees Dayforce Wallet, one of several mobile apps on the market offering same-day payment. Also known as earned pay access, pay-on-demand, or real-time pay, the service allows employees to access their pay from their personal devices right after their shift. work.

Aaron Fuchs

Employee expectations have changed: 83% of American workers aged 18-44 believe they should have access to their pay at the end of each workday, according to a 2021 survey by The Harris Poll.

“Technology has caught up with and redefined so many other places in (people’s) lives,” Fuchs said, “They recognize that payroll is an area that really hasn’t changed since the 1980s.”

The company launched Dayforce Wallet in May 2020, expanding to Canada last year. Fuchs said it closed 2021 with nearly 1,000 customers, including large companies such as Danone and local businesses such as Lunds & Byerlys.

Since Ceridian rolled out its program during COVID to customers most in need of attracting new workers: retail, healthcare, manufacturing and hospitality.

Be competitive in the labor market

In the middle of unemployment rate and a pandemic where many public-facing workers resigned en masse, employers needed creative solutions to retain and recruit employees.

The article continues after the ad

“We really wanted to leverage (same-day pay) and offer it to our people as a way to continue to differentiate ourselves in the workplace,” said Casey Enevoldsen, vice president of employee experience at Lunds. & Byerlys. “We see that the labor force continues to decline in its growth. It just means there will be fewer and fewer people available to do the work that employers are really looking to do, so we’ve been really focused on retention while trying to attract new talent.

Many employees say getting paid sooner is a key aspect of their financial well-being. Part of their strategy has been to look at a wide range of attractive measures to retain and attract new talent, including adding telehealth to various part-time and full-time positions in retail, manufacturing and support.

Enevoldsen said adding same-day payment was an easy transition because Ceridian already manages its payroll and offered the benefit at no cost to the grocer and its employees. Under this system, individuals directly deposit their paychecks into Dayforce Wallet from which they can choose to have their funds deposited to a mobile wallet or physical debit card.

Jeanniey Walden

Jeanniey Walden

Launched in 2016, DailyPay is associated with a number of fast food franchises, as well as companies such as Mall of America and Target. (The New York-based company opened its only other U.S. office in Minneapolis for operations and customer service in 2019.)

DailyPay marketing manager Jeanniey Walden said the frequency of payments had been delayed by the introduction of payroll tax in 1943. With businesses traditionally operating their own payroll systems, it was becoming cumbersome and more expensive to perform calculations for the numbers behind an employee’s paycheque. She said there were three information systems behind them: time and attendance, pay rate, and benefits like health care, dental, 401k, and wage garnishments. Financial services companies like DailyPay extract this information from employers and automate all these processes so that workers can see in real time how much they earn and in turn access that salary.

A third party audit data from DailyPay revealed that employee turnover was reduced by 42% thanks to DailyPay.

With the financial stress of the past few years, same-day payment has been key to competing with the gig economy and supporting workers on tight budgets.

“Most of the time when (people with multiple jobs are) asked, ‘why do you work for me here? and do DoorDash?’ It’s not because they don’t make enough money here. It’s like, ‘well, I need $50 this week because I have to make the deposit on my daughter’s braces’ or whatever,” Walden said.

Most non-farm workers in the United States are paid bi-weekly (every two weeks), according to a February 2020 snapshot of the Survey of current employment statistics by the US Bureau of Labor Statistics. About a quarter are paid monthly or fortnightly.

The article continues after the ad

Overcome financial precariousness

Keziah Vulu works part-time at Lunds & Byerlys. She accessed her pay the same day only once. Intrigued by the novelty, she ordered food.

“I like that it’s there, but I don’t like it when my (bi-weekly) checks are short,” Vulu said.

She instead expressed relief for the company’s January switch to weekly pay. Employees can withdraw their pay for the day from the app, with the pay being deducted from their weekly check.

“(With the move to weekly pay), I was able to budget and get what I wanted. It seemed harder to save when I was paid bi-weekly and easier to overspend,” Vulu said.

Several employees noted the same – either never using same day payroll or rarely using it.

“If we had stayed on a biweekly (schedule), I would have been more inclined to personally jump on that bandwagon. But with the weekly, it works. It’s good enough for me,” said operations supervisor Nina Urman.

The article continues after the ad

Sara Cramer trains the employee support teams at DailyPay and also accesses same day payroll on occasion. Being paid bi-weekly, she said easy access to wages provides peace of mind around payday.

“That (need) date isn’t your whole life,” said Cramer, who said the service was more helpful in helping him understand his daily gross earnings.

The data confirms this. More recently, academic research has explored the impact of payment frequency on worker behavior. A 2019 paper cited by the Bureau of Labor Statistics found that a causal relationship between frequent payments and household spending reads to help navigate personal finances. Earlier in April, the Consumer Research Journal published an article by business professors Wendy de la Rosa and Stephanie M. Tully and noted that “higher payment frequencies reduce consumer uncertainty about whether they will have enough resources throughout a period.”

But in addition to allaying potential worries, financial services companies say same-day payment eliminates the need for payday loans, credit cards and other traps people fall into when they run out of money. money.

“DailyPay is used to complement and connect in really unique and different ways,” Walden said.

One example she noted: “As gas prices soared, many people who, again, normally had enough money, ran out of gas to physically get to work… They had no way to get to work if they didn’t use DailyPay to get gas for their car for the next two days to get them through to payday until their check pay arrives.

According to the Consumer Financial Protection Bureau, “Before the COVID-19 pandemic, consumers consistently paid more late fees on their credit cards each year, peaking at more than $14 billion in 2019. late fees assessed by issuers have declined to approximately $12 billion. in 2020 given record payout rates and public and private relief efforts. Even during the pandemic, late fees accounted for more than a tenth of the $120 billion consumers pay each year in interest and credit card fees. In 2021, late fees have increased again.

In March, a coalition of 19 lawyers urged the Consumer Financial Protection Bureau for ensure that lenders who buy now and pay later do not engage in practices that trap consumers in a cycle of indebtedness In a letter, they expressed concern that the industry has seen “rapid and exponential growth” during the COVID-19 pandemic.

DailyPay says 88% of users credit the app with reducing or eliminating their use of payday loans, and an average of $292 is saved each year among people who incur overdraft fees, per a partnership report.

Urman said the same-day pay benefit provides peace of mind and a good safety net.

“I know if your car breaks down or an unexpected bill comes in, or even a vacation, that sort of thing, it’s really good for people to be able to do something right away without adding credit card debt or borrow money like payday loans where they get hit with a lot of interest,” Urman said. “It can be huge. So even though for me it might not be a weekly need or monthly, it’s good to know that if something happens, you have some sort of backup system where you don’t have to put yourself in an extra bad position.

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Fast Loans Hit Class Action Against High-Interest Loan Program “Rent-a-Tribe” https://lottsphoto.com/fast-loans-hit-class-action-against-high-interest-loan-program-rent-a-tribe/ Wed, 20 Apr 2022 20:15:28 +0000 https://lottsphoto.com/fast-loans-hit-class-action-against-high-interest-loan-program-rent-a-tribe/ New to ClassAction.org? Read our newswire disclaimer Fast Day Loans is facing a proposed class action lawsuit that claims the payday lender violated Indiana law by providing high-interest loans to residents of the state while claiming to be shielded from liability by the sovereign immunity of a Native American tribe. The 17-page lawsuit alleges defendants […]]]>

Fast Day Loans is facing a proposed class action lawsuit that claims the payday lender violated Indiana law by providing high-interest loans to residents of the state while claiming to be shielded from liability by the sovereign immunity of a Native American tribe.

The 17-page lawsuit alleges defendants – WLCC Lending FLD (doing business as Fast Day Loans); Lake Wakpamni Community Society; Wakpamni Lake Community Corporation II (doing business as WLCC II); and three people – set up what is now called a “rent-a-tribe” system.

According to the lawsuit, these types of operations involve a payday lender claiming to be operated by a Native American tribe — in this case, the Oglala Sioux tribe — in order to take advantage of the group’s tribal immunity. In reality, according to the lawsuit, the lender pays the tribe only a small percentage of its revenue in exchange for the use of its name, while being entirely funded and operated by non-tribal members.

The lawsuit claims that the defendants are not, in fact, a “legitimate arm of the tribe” and instead acted “contrary to the wishes of the tribal authorities”. The lawsuit alleges that when two of the individual defendants approached the Oglala Sioux Tribe’s economic development office with a proposal to enter into a high-interest consumer loan business, the tribe refused to do so. It was only after this event that the individuals formed WLCC and WLCC II, the case relays.

According to the complaint, since Fast Day Loans’ operations were conducted on non-tribal lands, including Utah, Texas, Canada and Belize, by non-tribal entities and individuals and did not provide any benefit to the Oglala Sioux Tribe, the Lender is not protected from liability under the Tribe’s Sovereign Immunity.

“Where non-tribal individuals and entities control and manage the substantial lending functions, provide the loan capital necessary to support the operation, and bear the economic risk associated with the operation, they are in effect not ‘exploited’ by Native American tribes and, therefore, are not protected by sovereign immunity,” the complaint argues.

The lawsuit alleges that Fast Day Loans nonetheless provided loans to Indiana residents at over 700% interest and in violation of state usury laws.

The lawsuit seeks to represent anyone with an Indiana address who was issued a loan in the name of Fast Day Loans at more than 36% interest on or after the date two years before the lawsuit was filed ( April 19, 2022), or on or after a date four years before the filing of the lawsuit.

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Get Instant Same Day Payday Loans Online in California – https://lottsphoto.com/get-instant-same-day-payday-loans-online-in-california/ Mon, 18 Apr 2022 08:53:41 +0000 https://lottsphoto.com/get-instant-same-day-payday-loans-online-in-california/ California is a great place to live thanks to its warm climate and endless beaches. Each city in the state has its particular vibes. At the same time, some people find the cost of living quite expensive here. No wonder so many people struggle to cover bills like mortgage, rent, and utilities. Online payday loans […]]]>

California is a great place to live thanks to its warm climate and endless beaches. Each city in the state has its particular vibes. At the same time, some people find the cost of living quite expensive here. No wonder so many people struggle to cover bills like mortgage, rent, and utilities.

Online payday loans same day deposit in California can be a great solution to make ends meet. In fact, they may be a reasonable option for resolving issues according to state law.

If you are interested in any type of cash advance, you should read the information below. This will help you make the right decision.

What is a payday loan?

A payday loan is a short term loan which aims to help you cover your sudden expenses until you receive your next paycheck. The best thing about it is access to quick cash. It can be easily deposited directly into your bank account after approval.

An average payday loan ranges from $100 to $500, although some lenders may have different limits. This is something you should check with the selected lender before submitting a loan application to them.

What are payday lenders in California?

All same day instant payday loans online in California are provided by direct lenders. These private financial institutions offer short-term loans that must be covered with interest and fees in a short period of time. This can be very beneficial as it helps people avoid certain problems.

Some lending companies are accused of selling their customers’ personal data. And this is not a joke. They give scam calls and send scam emails to irritate their customers. In the case of payday loans, this can never be a real problem. In California, direct lenders do not let third parties get involved in the whole process. Thus, all data remains between the direct lenders and their customers. Above all, it is always kept safe.

Using Online Payday Loans in California

Direct lenders aren’t the only perks granted by the moment bad credit loans guaranteed approval. These short term loans are incredibly convenient as you don’t have to go anywhere to get the cash. It can all be done from the comfort of your home. All you have to do is visit the lender’s website, fill out an online form, get approved, and wait for the money to arrive in your bank account.

You don’t need to spend hours trying to find a loan. Plus, there is a smart guide that will help you apply for payday loans in California.

You must also have a clear understanding of this type of loan service. As soon as your form is completed, you will have to wait several minutes for a response. In addition, you must sign your loan agreement. The requested cash amount will be sent to your bank account within one business day.

California fast payday loans are to be availed with no credit check and no paperwork. Many people who cannot receive cash advances from other direct lenders usually have poor credit histories. Online payday loans happen to be a great loan service because no one cares about your financial past. Direct lenders review the employment status of borrowers to ensure applicants are able to afford a loan. Bad credit loans can still be fully covered on the due date.

How to apply for a payday loan online in California?

A few requirements for payday loans should be considered before submitting an application. apply for a loan from direct lenders. Here are the most common:

  • Social security number or identity card;
  • Current account active;
  • Physical address and valid telephone number;
  • Relevant documents to verify your income.

What is the value of online payday loans in California?

For every $100 borrowed, you will need to repay approximately $18. Let’s say that if you borrow the amount of $100, you will have to repay the amount of $118. The same day instant payday loan online in California has an annual percentage rate (APR) of 450% and more.

The APR deals with the total value of your covered loan as an annual rate. Check if the actual loan APR could be higher or lower. In most cases, it is estimated based on the actual amount you want to borrow and the repayment game you are committing to.

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The Day – GOP Ads Attack Lamont’s Integrity; Democrats respond in kind https://lottsphoto.com/the-day-gop-ads-attack-lamonts-integrity-democrats-respond-in-kind/ Tue, 29 Mar 2022 23:56:43 +0000 https://lottsphoto.com/the-day-gop-ads-attack-lamonts-integrity-democrats-respond-in-kind/ The first television ad for a super PAC complements presumptive Republican gubernatorial nominee Bob Stefanowski’s attacks on the integrity and transparency of the first Democratic governor, Ned Lamont. The 30-second CT Truth PAC ad sheds light on the FBI’s investigation into school construction contracts once overseen by Konstantinos Diamantis, the state budget official fired in […]]]>

The first television ad for a super PAC complements presumptive Republican gubernatorial nominee Bob Stefanowski’s attacks on the integrity and transparency of the first Democratic governor, Ned Lamont.

The 30-second CT Truth PAC ad sheds light on the FBI’s investigation into school construction contracts once overseen by Konstantinos Diamantis, the state budget official fired in October by the Lamont administration.

It is the first negative television ad of Connecticut’s gubernatorial race and comes as Stefanowski’s campaign airs a new line of Facebook ad suggesting the Lamont administration is corrupt and opaque.

The Democratic rebuttals focused on Lamont’s response to the contract scandal and Stefanowski’s own integrity, citing his track record as UBS’s chief financial officer and chief executive of a payday loan company, DFC Global.

The early Republican attacks and the immediate counter-Democrat are likely the harbingers of a nasty rematch between Lamont and Stefanowski, both businessmen named in the open gubernatorial race in 2018.

CT Truth PAC is an independent spending group with a Stefanowski connection: It is advised by Chris LaCivita, a strategic consultant to Stefanowski’s previous run four years ago.

Stefanowski’s current campaign adviser Liz Kurantowicz said there was nothing new in Stefanowski’s focus on integrity issues.

“The issue of accountability and transparency are cornerstones of Bob’s campaign,” she said. “And these are issues he has been talking about since the day he announced, and frankly before he announced, his campaign for governor. It’s one of the reasons he runs.

Going negative early is a sign of GOP desperation, said Dan Morrocco, the governor’s campaign manager. “But what else should we expect from a candidate who has made millions of dollars helping outsource jobs, building tax shelters for the wealthy and charging working families sky-high interest rates on payday loans that are illegal in our state?”

Facebook corruption ads began running two weeks ago.

“We don’t know the full extent of corruption in the Lamont administration, but as the people who pay their salaries, the people of Connecticut have a right to know,” the Stefanowski campaign says in the latest, published. A week ago.

On TV, real estate investor and GOP donor-funded super PAC David Kelsey of Old Lyme closes its announcement in a similar vein. A slogan reads: “Governor Lamont: Come clean up your administration LOOKS DIRTY.”

The super PAC does not have a website and did not post the ad on the web.

CT Truth PAC

Kelsey and PAC chairman Sergio Mangione, an East Haven construction contractor, declined to discuss the circumstances surrounding the creation of the independent spending group or the hiring of Stefanowski’s former consultant.

His first detailed campaign finance report won’t be filed until next month, but LaCivita confirmed in a text message what sources told CT Mirror: The super PAC is his client.

Super PACs cannot coordinate advertising with the campaigns they support, and shared vendors or consultants constitute an unlawful presumption of coordination under state law. But LaCivita’s work for CT Truth PAC four years after the 2018 election is well outside an 18-month cooling-off period in state law.

CT Truth PAC was created on February 9, exactly one week after the Lamont administration revealed that the FBI had subpoenaed cases focused on school building grants overseen by Diamantis.

Three days later, he announced an initial contribution of $500,000 from Kelsey, co-founder and managing director of Hamilton Point Investments, a national investor in multifamily housing and hotels.

Kelsey was not a donor to Donald J. Trump’s presidential campaigns in 2016 or 2020. But he has given $1 million to the Republican National Committee since 2018, including $109,500 in aid for legal costs related to the challenge. by Trump of his loss to Joe Biden and more than $200,000 to underwrite Trump’s 2020 nominating convention.

The PAC ad revolves around allegations by officials in several cities that Diamantis pressured them to hire certain contractors and a CT Mirror article about a contractor’s complaint to officials at state in 2020.

“Municipalities (were) pressured to hire contractors, and Governor Lamont’s people knew about it a year before the feds announced their investigation. Ned Lamont needs to be clear,” says a narrator.

It is true that since the disclosure of the FBI investigation, officials from several municipalities – including Groton – have accused Diamantis of urging them to use certain contractors on state-funded school projects, including the one who employed his daughter, Anastasia Diamantis.

The circumstances of what the Lamont administration knew before the FBI investigation are more nuanced.

A demolition contractor, Stamford Wrecking Company, complained to state officials on April 29, 2020, that the Office of Policy and Management, where Diamantis served as second-in-command, had urged municipalities to circumvent appeals local tenders and hire from a state-approved agency. contractor emergency bid list.

The complaint was directed to Secretary Melissa McCaw, who was Diamantis’ boss in the Office of Policy and Management, and Josh Geballe, the commissioner of administrative services, where the school building program was based until until he moved with Diamantis to the OPM in late 2019. There is no evidence that either brought the letter to Lamont’s attention.

The OPM finally clarified in March 2021 that municipalities were not required to hire from the state list. Lamont said he was not made aware of the Stamford Wrecking complaint and was unaware of the issues with Diamantis until a controversy over nepotism allegations in October.

Diamantis was fired Oct. 28 over allegations about how the same girl, Anastasia Diamantis, landed a $99,000-a-year job as executive assistant to chief prosecutor Richard Colangelo Jr. Lamont hired an attorney to see if ethics laws have been violated.

Emails obtained by CT Mirror under the Freedom of Information Act after his dismissal showed Colangelo hired the girl as he pressured her father to help him get raises for prosecutors . The emails also revealed that Anastasia Diamantis was moonlighting for a school construction management company.

Democrats’ response

While decrying the negative ads, Nancy DiNardo, the Democratic state chairwoman, and Lamont’s campaign quickly responded by attacking Stefanowski and calling super PAC supporters Stefanowski’s “Trump-supporting allies.”

“This attack by Bob Stefanowski and his Trump-supporting allies is everything Connecticut voters hate in politics,” DiNardo said. “Governor. Lamont has zero tolerance for unethical behavior — he fired the person involved, commissioned an independent investigation, and immediately put in place strict policies to further protect taxpayers’ money.

Democrats have made clear they are prepared to challenge Stefanowski’s tenure at UBS, a bank cited by an international watchdog group as funding companies with human rights concerns.

“Bob Stefanowski profited from assets linked to human rights abuses and served as the chief financial officer of a bank whose propensity for tax evasion has its own Wikipedia page,” DiNardo said. “While Governor Lamont has fixed the state’s broken budget, cut taxes for working families, and led the nation’s best COVID response, Bob wants to defund half of the state budget, devastating funding for public schools and state health care programs. Connecticut voters will see through his flattery.

The demand to “defund half of the state budget” refers to Stefanowski’s 2018 proposal to phase out state income tax, a position he does not advocate in 2022.

Stefanowski could not be reached for comment on the Democrats’ counterattacks or issues they raise about UBS. Kurantowicz said they are meant to be a distraction.

“Democrats are desperate to change the conversation because they can’t find a way to defend this governor because he’s consistently failed to provide any shred of transparency or accountability,” Kurantowicz said. “And as a result, the Ned Lamont administration faces a widespread FBI investigation and accusations of gender and racial discrimination at the highest levels of his administration.”

The night he was fired, Diamantis said McCaw, a black woman, was disrespected by Lamont’s top aides. McCaw never contradicted Diamantis but said her relationship with the governor had been excellent. She resigned last month for a municipal position.

Mark Pazniokas is a reporter for The Connecticut Mirror (www.ctmirror.org). Copyright 2022 © The Connecticut Mirror.

mpazniokas@ctmirror.org

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