dogs foundation fund – Club Fuer Molosser http://club-fuer-molosser.net/ Wed, 07 Jul 2021 09:49:13 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://club-fuer-molosser.net/wp-content/uploads/2021/06/icon-88.png dogs foundation fund – Club Fuer Molosser http://club-fuer-molosser.net/ 32 32 Laughter and joy return to the North Bend Pool https://club-fuer-molosser.net/laughter-and-joy-return-to-the-north-bend-pool/ https://club-fuer-molosser.net/laughter-and-joy-return-to-the-north-bend-pool/#respond Wed, 07 Jul 2021 03:20:53 +0000 https://club-fuer-molosser.net/laughter-and-joy-return-to-the-north-bend-pool/ July 6 – After 15 months of silence, the screams of joy returned to the North Bend municipal swimming pool on Thursday after the pool finally reopened. North Bend held a reopening ceremony and the North Bend Fire Department distributed free fire dogs, chips and drinks to the community. But those who gathered an hour […]]]>

July 6 – After 15 months of silence, the screams of joy returned to the North Bend municipal swimming pool on Thursday after the pool finally reopened.

North Bend held a reopening ceremony and the North Bend Fire Department distributed free fire dogs, chips and drinks to the community.

But those who gathered an hour before the pool opened, only came for one reason to get back in the water.

Like many companies in the community, the North Bend Pool closed its doors in March 2020 due to the COVID-19 pandemic. What was meant to be a brief shutdown spanning 15 months, with many speculating that the pool would never reopen due to budget constraints.

But in May, North Bend voters agreed to a tax levy to fund pool operations for five years, and weeks after the vote, North Bend received a grant from the Oregon Community Foundation to fund operations for three months.

With these two sources of funding, the city has spent the last month working overtime preparing the pool for a swim. And on Thursday that work paid off when dozens of parishioners walked into the water.

“We are very excited that you are here today to share this moment for the reopening of the North Bend Pool,” Mayor Jessica Engelke told the crowd waiting for the swim. “I think we can all say it’s been a very long year.”

Engelke said when the city council debated the future of the bathroom, they were determined to do what people wanted.

“We listened to the citizens and we heard you,” she said. “That was a priority for you.”

Engelke said when citizens announced the pool was a priority, the city council put it at the top of their list.

One person in charge of the grand opening is State Rep. Boomer Wright. During his tenure on the Legislature that year, Wright heard about the Oregon Community Foundation grant and immediately called North Bend. With this information, North Bend was able to prepare its grant application, which resulted in the pool being open for free all summer.

Wright said it was a great honor and a small victory to be at the grand opening that made his service in the legislature worthwhile.

“It’s an honor to stand before you and represent you in District 9 and finally reopen the pool,” Wright said.

Alderman Eric Gleason said the pool opening was a big deal for North Bend.

“Today is an exciting day for North Bend,” said Gleason. “It’s a day that comes not because we spent time arguing, but because we came together as a community to make sure this local resource is available to so many.”

Gleason said the pool will not only provide the community with entertainment and exercise, it will ultimately save lives.

“I learned to swim in this building, and it’s the same place my kids learned to swim,” he said. “Today we can see its waters with joy and laughter as we offer this opportunity to the youth of our community.”

City Recorder KayLee Marone, who also doubles as the pool manager, said opening the pool was a huge relief.

“This has been a long, hard road since we closed in March 2020,” said Marone.

She stated that the pool will be open for free in July, August and September and then close in October until the rest of the year. During those three months, the city will repair and replace three obsolete equipment needed to run the pool – the pool pump, filtration system and boiler.

“We are very much looking forward to this summer and look forward to our next opening in January 2022,” said Marone.

After the speeches finished, the Bay Area Chamber of Commerce joined the city guides for a ribbon sever, and then the wait was over when the pool officially opened its doors. A swimming schedule and other information can be found on the North Bend Municipal Baths Facebook page.

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55 years later | Mountain airy news https://club-fuer-molosser.net/55-years-later-mountain-airy-news/ https://club-fuer-molosser.net/55-years-later-mountain-airy-news/#respond Sun, 04 Jul 2021 15:58:00 +0000 https://club-fuer-molosser.net/55-years-later-mountain-airy-news/ Roger Keck, standing over the grave of Pfc. David Banks Bryant in Dillwyn, Virginia last month. As a young soldier, Keck accompanied Bryant’s body to Dillwyn in 1966 after he was killed in Vietnam. He returned last month, put flowers and a flag on the grave, and then spent time with Bryant’s brother. Recently, on […]]]>

Roger Keck, standing over the grave of Pfc. David Banks Bryant in Dillwyn, Virginia last month. As a young soldier, Keck accompanied Bryant’s body to Dillwyn in 1966 after he was killed in Vietnam. He returned last month, put flowers and a flag on the grave, and then spent time with Bryant’s brother.

Recently, on a warm summer Sunday, a Mount Airy man finished a 33-year journey in a remote, sun-drenched cemetery in central Virginia.

And in doing so, he was reminded that the celebrations enjoyed by many across the country today, on Independence Day, have come at a terrible price for many in the country’s history.

Roger Keck’s visit to the small cemetery at Maple Grove Pentecostal Church just outside Dillwyn, Virginia was a trip he’d wanted to make since 1988. In some ways it was a trip he had taken since 1966, the first and only until now had he ever visited the city of Virginia.

The first time, in August 1966, he was a sergeant in the US Army, sent there on a sacred mission – he escorted the corpse of Pfc. David Banks Bryant, who was killed in Vietnam when he was 23.

“I have the assignment to accompany his corpse home,” said Keck recently, remembering the solemn train ride almost six decades ago. Keck was stationed at Fort Jackson, South Carolina, shortly before the end of his five-year service in the Army.

His job was simple in some ways – he escorted the body home, made sure it was properly received at a local funeral home, and then watched over the dead soldier’s body daily for five days until the deceased soldier was buried.

Keck said it was a sad task to be sure – it was a difficult experience of a family, in this case parents, brother and sister, taking the body of their loved one is a difficult experience, but the weight of his Duty has not completely decreased in time.

“I was young then. It was a job that I had to do. I probably didn’t think about it much because it was a job I was ordered to do. “

As is so often the case, time changed his view of this assignment; other events showed the seriousness of what he had been assigned to do.

The first of these events was his own personal tragedy – the loss of a son who died in a car accident in 1983.

“When a family loses a child, it’s not the same as losing a spouse,” he said. After losing his own son, Keck began to think back to 1966 when he escorted Pfc’s body. Bryant returns to the late soldier’s hometown of the deep loss his parents must have felt.

Five years later, in 1988, Keck said he and his wife Donna were visiting the Vietnam Memorial Wall in Washington, DC when he found Bryant’s name engraved on the memorial.

“Then I told my wife that one day I wanted to go back to this grave and visit the family.”

The only problem, Keck said, was that he couldn’t remember the name of the town, funeral home, or church where the soldier was buried.

“I have family in and around Richmond, Virginia, and I asked them to see if they could find a cemetery with his headstone and name on it, to no avail.”

He made further attempts to find the tomb, but all were equally unsuccessful, although he still had hope of finding his way around at some point.

Then came a house cleaning project last month that saw Keck discover many of his military papers.

And there, in his old briefcase, were the orders he had received so many decades ago, in such good condition that they looked like they had been freshly typed that day – and they clearly showed that the corpse was for Dunkum Funeral Home in Dillwyn.

“It was June 4th when I pulled out the records and found the orders,” recalled Keck.

An internet search revealed the funeral home was still up and running, and a quick phone call put him in touch with Karen Dunkum, whose family has run the funeral home for generations. She wrote down the relevant information, then hung up.

Less than half an hour later, she returned Keck’s call.

Yes, she said they still had all the relevant documents. Yes, they had the name of the church he was buried in – Maple Grove Pentecostal. And yes, he still had a family that lived in the area, Bryant’s younger brother who was now 75 years old.

And one more piece of information – that day, June 4th, when Keck found the old military files and contacted Dunkum, it was Bryant’s birthday. That day he would have turned 78.

“A chill ran down me,” said Keck. “I’ve been looking for it for so long. It was 55 years ago … and to find that on his birthday. “

Bryant’s brother, Richard Bryant, remembered Keck and said he was dying to see him again. So Keck and his wife drove to Dillwyn early that morning on June 13th.

There, he said, they met Richard Bryant and Karen Dunkum. They attended church in Maple Grove Pentecostal that morning, and after that the group went to Bryant’s grave, where Keck placed flowers and an American flag.

“It was very emotional for me, I broke down,” he said, getting serious at the memory. “I have such a true, sincere love for my country and for these men who have died. It’s hard to talk about sometimes, even now … It’s a real connection, I’m telling you. “

Keck said that while it was normal to think about those who died on duty on Memorial Day and thank those who served on Veterans Day, other holidays, like Independence Day, remind him of men and women like Bryant who sacrificed their lives in the service of the nation.

For Keck, he said, the trip last month, so many years after that first train ride to Dillwyn, “was something I had to do. It was all out of respect for him and his family. “

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Tape Cutting Kit for America’s VetDogs Renovations – Long Island Business News https://club-fuer-molosser.net/tape-cutting-kit-for-americas-vetdogs-renovations-long-island-business-news/ https://club-fuer-molosser.net/tape-cutting-kit-for-americas-vetdogs-renovations-long-island-business-news/#respond Fri, 02 Jul 2021 17:10:03 +0000 https://club-fuer-molosser.net/tape-cutting-kit-for-americas-vetdogs-renovations-long-island-business-news/ America’s VetDogs, a national nonprofit that trains and supplies guide and service dogs to veterans and first responders with disabilities, will host a ribbon cutting event for their newly renovated training facility in Smithtown next week. The renovations included upgrading the facility’s classrooms and adding a new classroom that simulates a home environment for veterans […]]]>

America’s VetDogs, a national nonprofit that trains and supplies guide and service dogs to veterans and first responders with disabilities, will host a ribbon cutting event for their newly renovated training facility in Smithtown next week.

The renovations included upgrading the facility’s classrooms and adding a new classroom that simulates a home environment for veterans or first responders with hearing impairments or other physical disabilities.

The renovation project was supported by a $ 300,000 grant from the Bob and Delores Hope Foundation along with donations from the Francis & Gertrude Levett Foundation, Manual Barron, Ludwick Family Foundation, Scaife Family Foundation, Van Sloun Foundation, Manitou Fund, and The Omer Foundation enables.

The opening ceremony will take place on Tuesday, July 6th at 11:00 AM on America’s 10-acre VetDogs campus at 371 East Jericho Turnpike in Smithtown.

Expected attendees include State Senators Mario Materra and Alexis Weik, Rep. Michael Fitzpatrick, Civilian Advisor to Army Secretary Steven Castleton, Senior Veterans Services Officer for Suffolk County Master Sgt. Melissa Pandolf, Smithtown Supervisor Ed Wehrheim, America’s VetDogs Chairman Don Dea and Joe Campolo, who serves as a board member on VetDogs.

Although it costs more than $ 50,000 to breed, raise, train, and place an assistance dog, all of VetDogs’ services are provided free of charge to the individual. It is financed through grants and donations from individuals, companies, foundations, companies as well as service and brother associations.

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Bentonville adds 2 new animal shelters https://club-fuer-molosser.net/bentonville-adds-2-new-animal-shelters/ https://club-fuer-molosser.net/bentonville-adds-2-new-animal-shelters/#respond Mon, 28 Jun 2021 11:20:52 +0000 https://club-fuer-molosser.net/bentonville-adds-2-new-animal-shelters/ Yes, two animal shelters are coming to Bentonville at the same time. Why it matters: According to Ali Worley, Bentonville’s animal services manager, a city this size needs its own animal shelter. It currently has a contract with Centerton to bring stray dogs to its shelter and does not accept cats. Stay up to date […]]]>

Yes, two animal shelters are coming to Bentonville at the same time.

Why it matters: According to Ali Worley, Bentonville’s animal services manager, a city this size needs its own animal shelter. It currently has a contract with Centerton to bring stray dogs to its shelter and does not accept cats.

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What’s happening: The city plans to build his own. And a national non-profit organization Best Friends Animal Society, also has a pet resource center in the works that will serve as the regional facility for several pet-related services.

The city will an adoption program, educational programs, and a nursing program, Worley tells Axios. It also regularly hosts events for microchiped pets.

  • The municipal facility on the corner of Southwest I and Southwest 41st Street will cost approximately $ 3.1 million in construction costs and an additional $ 600,000 in start-up costs such as furniture and equipment, all of which will be paid for from the general city fund. says Worley.

Best Friends Best Pet Resource Center will have an adoption program but will be heavily reliant on pet care, Jackie Roach, senior manager of the center, told Axios.

  • It would love to work with a local veterinarian to provide spay / neuter and vaccination services to low-income pet owners, says Roach.

  • The Best Friends Center can help people who have lost or need to re-house their pets, or offer short-term accommodation to pets whose owners are leaving a situation of domestic violence or have an extended hospital stay.

  • The facility at 1312 Melissa Drive will cost approximately $ 14.5 million to build and an additional $ 2 million in operating costs to start up, Roach said. Best Friends received a $ 892,500 grant from the Walton Family Foundation in architectural design and engineering.

Worthless: Both facilities serve cats and dogs. Neither will animals euthanize depending on the room or how long they are in the facility.

Flashback: A few years ago, the city spoke to Best Friends about collaborating on a pet resource center. It did not work.

What’s next: The city is hoping to start construction in late summer and is expecting construction to take around a year.

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A mix of mustangs: Oregon Horse Ranch saves overpopulation https://club-fuer-molosser.net/a-mix-of-mustangs-oregon-horse-ranch-saves-overpopulation/ https://club-fuer-molosser.net/a-mix-of-mustangs-oregon-horse-ranch-saves-overpopulation/#respond Sun, 27 Jun 2021 22:53:48 +0000 https://club-fuer-molosser.net/a-mix-of-mustangs-oregon-horse-ranch-saves-overpopulation/ IMNAHA CANYON – It’s not your average horse you’d find at Dawn and Eddy Medley’s ranch in Imnaha Canyon. In fact, not long ago many of the horses were mustangs all over the west. “I love this because they (the Mustangs) don’t have a choice,” says Dawn Medley, co-owner of Medley’s Mustangs. “They lost their […]]]>

IMNAHA CANYON – It’s not your average horse you’d find at Dawn and Eddy Medley’s ranch in Imnaha Canyon. In fact, not long ago many of the horses were mustangs all over the west.

“I love this because they (the Mustangs) don’t have a choice,” says Dawn Medley, co-owner of Medley’s Mustangs. “They lost their families, and that’s what these horses are about – family. I want to be able to connect them to a ‘family’ and love them for a lifetime. “

Medley’s Mustangs is an operation downstream from Imnaha that helps train and adopt mustangs derived from the overpopulated herds descended from once domesticated horses brought to the New World by the Spaniards. Since then, they have returned from their domesticated state to become wild animals – and their numbers are growing like crazy.

“Herds can double in four to five years if not properly managed,” says Dawn. “You could have 1,000 to 1,200 horses that they say you could only manage 150-250 horses. Horses eat (available forage) right down to the ground, as opposed to cows where they leave some of the grass behind. (Horses) are pretty hard on the ground. “

Most of them migrate on land administered by the Federal Bureau of Land Management, and attempts are made regularly to kill the herds and find owners and trainers to take them in under the BLM’s Wild Horse and Burro program. The Medleys’ nearly 18-acre operation is one of those that they currently have about half a dozen horses on.

“We originally started in September 2018,” says Dawn. “I became a TIP (Trainer Incentive Program) trainer and we got our first Mustang in October, so I’m basically a self-employed through the Bureau of Land Management. The BLM works with the Mustang Heritage Foundation and helps fund the program across the United States. “

Overpopulation and slaughter

It is the rapid growth of the herds that creates a problem that affects both the government and horse lovers.

“They can double in four to five years,” says Dawn.

For example, she says, in the Beatys Butte Herd Management Area near Lakeview, the last gathering was in 2015. The BLM collected 100 horses, removed 50 and brought back 25 mares using fertility control. In 2015 she adopted one.

In another herd, 1,500 were collected in 2015 and only 100 – 60 stallions and 40 mares were brought back into the range.

“Now, six years later, they are collecting them again,” she says, but does not know how the herd is current.

“There are also many horse advocates for the wild mustangs who say, ‘Hey, this is American heritage, a living symbol of the historic and pioneering spirit of the West.’ But you really have to look at it as overpopulation, ”she says. “It’s like with humans. You have to do it somehow, otherwise it will get out of control. I don’t want to say that I believe in slaughter, but … “

Dawn said she knew three horse slaughterhouses in Canada and five in Mexico. The last three in the US were closed in 2007 under pressure from animal rights groups. But was that the best solution?

“Even the loving horses you raised from birth, people take Quarter Horses … and unfortunately there is currently a bad rap for that (BLM’s Adoption Incentive Program),” says Dawn.

She is divided on the subject of slaughterhouses.

“I can’t say ‘yes’ and I can’t say ‘no’ because my heart aches. (For example) I have my palomino here. He’s 20. What if he gets lame and injured? Do I want to send him to the pasture? Can I keep him financially? ”She says. “I mean, seriously, I have another guy out here that I took from the county with me, in Joseph, he’s a grazer. It came to me crippled after I did my rating and it is a domestic paint and unfortunately the person in front of me screwed it up. I can’t do anything to him so he just eats my pasture and just looks pretty. Do I have the time and money for this? No. But will I send it to an auction house? No i can’t. That would probably, most likely to him, mean slaughter, and it’s not fair to him, so my heart says no. Well, I don’t care what other people do in their free time. Everyone has a choice and if they choose, then it’s their choice. “

Dawn Medley shows how 4-year-old CoCo was tamed enough to pet her at Medley’s Mustangs ranch on Thursday June 10, 2021.Bill Bradshaw / Wallowa Country Chieftain

Taming friends

Dawn spends hours every day working with her mustangs and learning the idiosyncrasies of each one.

“I study what each horse makes you do,” she says.

The first difficult task once a Mustang is brought to its training place is to attach a halter. Putting on the bridle can also be a hassle. A mare, CoCo, was an example.

“She’s still learning that touching doesn’t hurt her and what’s okay and what’s not,” says Dawn. “She recently lost her halter and it took my husband about 10 minutes to put it back on.”

She has to find ways to gradually get the horses used to the touch.

“When people try to bridle a horse, the horse says, ‘Don’t touch me.’ They are very sensitive up here, ”she says and touches CoCo’s head.

Dawn is still trying to get her wildest mustang to relax around her. Girlfriend was only out of the wild for two weeks.

“It took me about a week to touch her,” says Dawn.

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She often uses a long stick with a string on it, similar to what she does with show pigs. It gets the Mustang used to being touched.

“She’s the wildest,” says Dawn. “She is most afraid of being touched.”

She coos and talks to girlfriend, allowing her to get used to Dawn’s scent to get girlfriend used to her and calm down.

“It just basically teaches her that I’m not going to kill her,” she says. “When you realize that I am not going to kill you, you really start to settle down.”

Preparation for adoption

As part of the BLM’s Adoption Incentive Program, the horses remain government property and an adopter signs a one-year contract to ensure that the horse is properly cared for. The adopters have to prove that they have enough food, water, pasture and a trailer and that they can pay veterinary fees.

As part of the program, an adopter pays $ 25 for the recently captured Mustang and will receive $ 500 from the government in about two months to cover training costs. Dawn says the government will give another $ 500 about two months before the deal is signed.

“It’s an incentive to get more people to adopt more mustangs that are completely wild,” she says. “The government really wants you to take that $ 500 and send the horse to a trainer instead of just spending it – put it on the animal instead of your personal gain.”

She charges $ 125 for a horse that will go to live with an adopted child.

“It may be the most expensive $ 125 you spend, but I have three and I will never go back in the house,” she says.

What about offices?

The medleys stay with horses, they said, because donkeys can be stubborn according to their reputation.

“I don’t really like her. I did one, ”says Dawn.

“It’s ‘donkey time,'” says Eddy. “You do it when they want to do it.”

Her lonely experience with a donkey had some positive effects.

“Our 6-year-old did really well with the donkey,” says Eddy.

“She called it ‘pop tart’. It was cute, ”adds Dawn.

At home in the range

The medleys love what they do and where they do it. Their ranch is about 5 miles downriver from Imnaha and the 18 acres barely has a flat spot below them.

“It’s almost all vertical,” says Eddy.

He’s the one who did the lion’s share of building the ranch before collapsing with a disability.

You have a garden and a large selection of fruit trees. They also have a boar, a sow and a litter of piglets, as well as chickens and dogs.

Dawn’s two older children from their first marriage have grown up and gone, but their daughter recently made Dawn a grandmother. The two younger children aged 6 and 9 help on the ranch and attend school in Imnaha.

But in the three years they’ve been training and taming mustangs, the medleys seem to have found their calling.

“We have a motto: to get so many wild to mild mustangs out of the enclosures and to find loving adoptive homes,” says Dawn. “Also, to see something so majestic and ‘wild’ become your partner and become one with them,” she finds fulfilling.

–Bill Bradshaw / Wallowa County Chieftain

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Employer warning: prepayment products https://club-fuer-molosser.net/employer-warning-prepayment-products/ https://club-fuer-molosser.net/employer-warning-prepayment-products/#respond Thu, 11 Mar 2021 06:14:59 +0000 https://club-fuer-molosser.net/employer-warning-prepayment-products/ A hot topic of discussion in payroll offices across the country is the prospect of new services that will give workers instant access to their wages for the hours worked, but which will only be paid after the current payroll cycle has ended. These services, also known as ‘prepaid wages’, ‘earned wage access’ or ‘wages-on-demand’ […]]]>

A hot topic of discussion in payroll offices across the country is the prospect of new services that will give workers instant access to their wages for the hours worked, but which will only be paid after the current payroll cycle has ended. These services, also known as ‘prepaid wages’, ‘earned wage access’ or ‘wages-on-demand’ products, are becoming increasingly popular with workers, especially those working for the minimum wage. Employers who offer the programs often see increases in employee morale and retention. However, these programs raise a number of tricky legal issues. Depending on the structure, a program can violate lending law or wage and working time regulations. Several states are investigating whether certain advance wage providers are violating state laws. Companies considering offering upfront wages to their employees should carefully review programs for regulatory compliance.

On-demand wages fall into two broad categories. There is a direct-to-consumer model in which the employee provides the provider directly with wage history and other information and authorizes the repayment of the advance from the employee’s bank account. Employers do not participate in products aimed directly at the consumer and the advance is funded by the provider. Other wage payment programs, on the other hand, integrate with the employer, who then markets the service to his employees and shares information about the hours worked with the provider. The employer can finance the advance payment and support it by deducting wages. Employees who use both services usually pay a per-transaction fee or a monthly participation fee. Some providers do not charge any fees, but ask users for “tips”. There are a number of variations on these models, making these services difficult to generalize. Employers should review the details of a particular program before committing and assess whether the proposed program complies with lending laws and state wage and working time laws.

Compliance with federal and state credit law

A fundamental question about pay-on-demand products is whether the advances granted are loans that are subject to federal or state lending laws. Critics of the sick pay programs see them as an updated form of payday loans. However, the Federal Consumer Financial Protection Bureau (CFPB) has recognized that some wage advances do not involve lending and are therefore not covered by its Payday Loan regulation. Unfortunately, the Bureau has failed to provide detailed guidance on how to determine which business models will trigger the rules and which will not. For those continued wage products that fall under the regulation, the CFPB has created exemptions for services that meet certain requirements.

Even if a certain advance wage payment is not a lender under federal regulations, it may still be subject to regulation at the state level. The New York Ministry of Finance recently announced a cross-state investigation into allegations of illegal online lending in the payroll industry that involves a dozen jurisdictions. The focus of the investigation seems to be on direct consumption products and whether these charge illegal interest rates, disguise fees as “spikes” and violate licensing and banking laws.

Compliance with the state wage and working time law

On-demand wages must also comply with state wage and working time laws. A central question is whether a payment for hours worked, for which the wage will only be due in the future, should be classified as continued wage payment or wage advance. If it is a wage payment, the employer will likely need to provide a detailed wage statement, withhold taxes and other deductions, and ensure funds are transferred using an approved wage payment method. If, on the other hand, payment is made as a wage advance, the employer must comply with the wage advance and wage deduction regulations. For example, in New York, a prepayment that fixes interest or charges a fee is not considered a “wage advance” and cannot be reclaimed through wage deduction.

Employers offering payroll cards to their employees should ensure that the advance pay product they choose is compatible with their card program. A number of states prohibit the payment of wages on a payroll card, which charges a fee for charging wages to the account. In these jurisdictions, prepaid wage products that impose a fee can be problematic. Other states prohibit the association of payroll cards with any form of credit, “including a loan for future payment or a cash advance on future payment”. Employers choosing a prepayment product should be careful not to cause problems for employees who choose to pay by payroll card.

The future of the pay-on-demand product

Given the uncertainty surrounding pay-on-demand products under state law, we expect legislative activity in this area in the near future. Only one state is currently considering a draft wage advance product bill. California SB 472 would approve wage advances from qualified providers who meet certain requirements. The National Consumer Law Center (NCLC) originally said it would support the law if amended to only authorize products that are integrated with the employer and ban products that directly debit a consumer’s account. NCLC also advocated stricter fee limits and usage restrictions. The legislation was changed in the committee, but not in the way NCLC wanted, and the organization is now opposed to the move. As the bill progresses through the legislature, its fate remains unclear.

Prepaid wage products are becoming increasingly popular with workers and employers will be under pressure to provide the service.

Copyright © 2021 Womble Bond Dickinson (US) LLP All rights reserved.National Law Review, Volume IX, Number 220

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A $ 100 cash advance free? Consumer lender Oportun is giving the idea a try https://club-fuer-molosser.net/a-100-cash-advance-free-consumer-lender-oportun-is-giving-the-idea-a-try/ https://club-fuer-molosser.net/a-100-cash-advance-free-consumer-lender-oportun-is-giving-the-idea-a-try/#respond Thu, 11 Mar 2021 06:14:59 +0000 https://club-fuer-molosser.net/a-100-cash-advance-free-consumer-lender-oportun-is-giving-the-idea-a-try/ Banks routinely charge $ 30 from customers who overdraw their accounts. Now a Silicon Valley company is planning to offer a free service to stave off those high fees. U.S. consumers who link their bank accounts to Oportun will receive SMS notifications when their balance drops below $ 100, as well as the option to […]]]>

Banks routinely charge $ 30 from customers who overdraw their accounts. Now a Silicon Valley company is planning to offer a free service to stave off those high fees.

U.S. consumers who link their bank accounts to Oportun will receive SMS notifications when their balance drops below $ 100, as well as the option to receive a cash advance of up to $ 100. The money is paid back interest-free as soon as the account is replenished.

“It’s a safety net for your checking account,” said Raul Vazquez, chief executive of Oportun, during a launch of the product in San Francisco this week.

In contrast to many fintechs from the Bay Area, the privately owned company operates a multi-state network of more than 270 stores. Since its inception in 2005, the company has loaned more than $ 5 billion to more than 1.1 million customers.

Vazquez said in an interview that the new product will be available to a limited number of consumers in May and generally in the second half of the year.

He admitted that the offer was an experiment. “We want to bring a simple, easy-to-use product to market and then learn as much as possible,” he said.

A big question is whether Oportun can offset the cost of providing a free cash advance. The San Carlos, Calif. Company hopes some of the users of the product will take out an oportun loan at some point.

Vazquez said he was not concerned about exploiting the existing demand for Oportun’s credit. The $ 300 to $ 8,000 loan is often used to pay for unexpectedly high expenses or planned purchases.

While a $ 100 cash advance might not be enough to cover a car repair, it could help bridge a misalignment in the timing of a paycheck and monthly bill due date.

“They focus on solving very different use cases,” said Vazquez. “It’s not a zero-sum game.”

The product will be available to adults in the United States who have checking accounts with deposits of $ 1,000 or more for three months.

Oportun is one of numerous companies that are looking for Solve discrepancies in consumer cash flow – an awkward position that can lead to repeated overdraft fees or expensive payday loans. Others trying to address the problem are FlexWage, Earnin, and Even.

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Cash advance shop sues Metro | Legal https://club-fuer-molosser.net/cash-advance-shop-sues-metro-legal/ https://club-fuer-molosser.net/cash-advance-shop-sues-metro-legal/#respond Thu, 11 Mar 2021 06:14:59 +0000 https://club-fuer-molosser.net/cash-advance-shop-sues-metro-legal/ A cash advance shop says the metro’s distance restrictions shouldn’t apply and that the city has illegally issued a work stop. In a lawsuit filed in Circuit Court last week, Speedy Cash said it obtained the necessary permits to run a retail store on Dickerson Road between September and November 2014. On November 18 of […]]]>

A cash advance shop says the metro’s distance restrictions shouldn’t apply and that the city has illegally issued a work stop.

In a lawsuit filed in Circuit Court last week, Speedy Cash said it obtained the necessary permits to run a retail store on Dickerson Road between September and November 2014. On November 18 of this year, the architect of the project learned that the Codes Department was recording the project. The architect was told that there had been a change to the code and that the business owner must comply with it before approval could be granted. The code change in question was a bill passed by the Metro Council that required cash advance shops and pawn shops to be at least a quarter of a mile apart.

However, the final vote on this change did not take place until later that day.

A week later, Speedy Cash was told that the approval had been mistakenly put on hold because the plans were submitted before the regulation was passed by the Council. The site is a former gas station, so among other things the fuel tanks have been removed. In total, the project cost more than $ 600,000.

Just a few days before completion, in April 2015, Codes issued a work hiatus stating that approval of the store had been mistakenly granted due to the quarter mile rule. The Speedy Cash is located about 400 m from the nearest cash advance shop.

Speedy Cash appealed to the Board of Zoning Appeals, which upheld the cessation of work. This decision was challenged in the Chancery Court.

In the meantime, Speedy Cash is asking the Circuit Court to determine that Metro was involved in the illegal seizure of Speedy Cash’s property through its actions because the company acted in good faith under the direction of Metro employees and that it was out of compliance the quarter mile rule. Additionally, Speedy Cash says the property rights were acquired due to the significant investment made in preparing the Dickerson site.

Speedy Cash is demanding damages and, if the Chancery Court upholds the BOZA decision, damages for the improvements made to the property. The company is represented by Douglas Berry from Miller & Martin.

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Ottawa infrastructure cash doesn’t meet Toronto’s “real needs”, Tory says https://club-fuer-molosser.net/ottawa-infrastructure-cash-doesnt-meet-torontos-real-needs-tory-says/ https://club-fuer-molosser.net/ottawa-infrastructure-cash-doesnt-meet-torontos-real-needs-tory-says/#respond Thu, 11 Mar 2021 06:14:59 +0000 https://club-fuer-molosser.net/ottawa-infrastructure-cash-doesnt-meet-torontos-real-needs-tory-says/ Mayor John Tory says the recently announced federal funding for cities does not adequately address the “real” funding needs of the city of Toronto following the COVID-19 pandemic. Prime Minister Justin Trudeau said Monday that The federal government is using the gas tax fund to transfer $ 2.2 billion in previously pledged infrastructure funds to […]]]>

Mayor John Tory says the recently announced federal funding for cities does not adequately address the “real” funding needs of the city of Toronto following the COVID-19 pandemic.

Prime Minister Justin Trudeau said Monday that The federal government is using the gas tax fund to transfer $ 2.2 billion in previously pledged infrastructure funds to cities ahead of schedule.

“We have been a great partner for the communities in various situations and crises over the past few years,” Trudeau told reporters in Ottawa on Monday morning.

“We know how important our cities and towns are to the success of Canadians, the success of our country’s economy. That’s why we are working with the provinces on how the communities can be helped.”

Mayor John Tory said while the cash advance will help “a bit” it is not enough to help the city in any significant way.

“We’re going to get a check, as I understand it, which won’t be for a small sum, but it’s money we’d get anyway, but on an expedited basis,” Tory told CP24 on Monday morning. “That’s good, that helps us, but it’s not the main event.”

Tory spokesman Don Peat told CP24 that the Toronto gas tax fund advance will raise approximately $ 166 million.

The dramatic drop in passenger numbers on the TTC is estimated to cost the community about $ 65 million per week, and overall, the city has announced that it will lose about $ 1.5 billion by the end of the year due to declining revenue and increased costs with the pandemic .

“We need new money to make up for the fact that we’ve lost a lot of money that we didn’t expect to get through things like transit fares that people didn’t pay, property taxes that weren’t paid when real estate deals weren’t paid were happening and things like that, “said Tory.

“It’s not going to come through huge property tax hikes that people can’t afford, and it won’t come either.” enormous service cuts, which we can hardly afford in this phase because people are having problems and we are trying to help them. “

Tory said discussions were still ongoing about what else could be done to help the city through its financial troubles.

“Much more needs to be done to ensure that cities remain financially stable and can play the role they need to play to make a big recovery,” he said.

The mayor added that talks with the other levels of government had been “positive” so far.

“Our Prime Minister played a positive role in these talks with the Federal Government. You have been positive with me and other mayors. But we need a lot more help than what is being provided today, ”Tory said.

“I’m not trying to belittle what you’re doing today, which will help a little. But we still need a lot more help. You know that. For this country to recover properly, it is vital that cities are healthy and not in a situation of financial instability. “

The Prime Minister acknowledged that the federal government must do more in the future to help financially weak cities.

“We know this is just an initial move, preferring money that the city would receive in six months’ time anyway, but there is currently a need for liquidity to help deal with the COVID crisis,” he said.

“We have to do more and we will do more, but more has to go hand in hand with the provinces that have the municipalities.”

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Goldson’s boss is suing City for lack of cash advance payments https://club-fuer-molosser.net/goldsons-boss-is-suing-city-for-lack-of-cash-advance-payments/ https://club-fuer-molosser.net/goldsons-boss-is-suing-city-for-lack-of-cash-advance-payments/#respond Thu, 11 Mar 2021 06:14:59 +0000 https://club-fuer-molosser.net/goldsons-boss-is-suing-city-for-lack-of-cash-advance-payments/ The school council president’s former employer, RCN Capital, once lent more than $ 500,000 to a school contractor while waiting to collect payments on bills. A new lawsuit claims the city never paid nearly half of those bills. RCN Capital, a commercial lending firm, is suing the city, claiming it never paid nearly $ 200,000 […]]]>

The school council president’s former employer, RCN Capital, once lent more than $ 500,000 to a school contractor while waiting to collect payments on bills. A new lawsuit claims the city never paid nearly half of those bills.

RCN Capital, a commercial lending firm, is suing the city, claiming it never paid nearly $ 200,000 of the bills that RCN bought from Todd Howell’s NESAIM, LLC, a local company that welded steel, repainted walls, removed trash and snow plowed the city.

The lawsuit, which has been filed in the State Superior Court, concerns an unconventional deal that RCN made with the city, a deal who have raised red flags from the start.

As evidence RCN submitted 15 invoices with the complaint, some of them until August 2016. She claimed the city had breached its contracts by failing to pay and negligently misperformed its obligations.

RCN became the legal owner of these invoices through a little-known financial mechanism Called “factoring”. In this process, which works like a variant of the payday loan, commercial lenders provide cash upfront to small businesses who typically cannot qualify for traditional bank loans.

Usually this is done by buying bills for cash. The factoring firms advise an agency that they should be paid instead of the contractor and wait for interest to be accrued. Ideally, the small business can pay its employees while the factoring company benefits from a riskier investment.

Allison Simoes, TicketNetworkThe founding of the city with RCN, which stands for “Real Cash Now”, led to Controversy over potential conflicts of interest.

That’s because Darnell Goldson, one of the two board members elected, previously worked as the PR coordinator for RCN, owned by Hartford entrepreneur Donald Vaccaro. Goldson still works for Vaccaro at another of his companies, TicketNetwork, a ticket reseller for sports games, music concerts and other live events.

Goldson said Vaccaro pulled him off RCN in late 2016 (even though he made public comments on behalf of the company on this 2017 article).

Goldson said he was unaware of the lawsuit listing the Department of Education as a defendant. He said he would seek an ethical opinion from the city on the matter. He said that he believes he has not broken any rules since he is no longer on the RCN payroll.

“I’m not worried. I haven’t done anything for RCN, ”he said. “I don’t work for them. I don’t get a check from them. I am not an employee of theirs.

“I’ll tell you where the wall is: where the paycheck is,” he added. “The paycheck is on that [TicketNetwork] Page. That’s what I’m paid for, and that’s where my boss is. I am so busy with work. I spent maybe three or four days in Connecticut last month traveling to the lobby. I don’t have time for RCN. “

Goldson said he linked RCN with the city’s lawyers when they tried to track payments, but he said he was otherwise not involved.

“I just gave them the phone number. Someone picked up the phone, they talked, and they set up a meeting that I didn’t attend. I don’t know what happened, ”he said. “It’s just a collegial thing. I worked for them, so I helped them find the right contact person. “

He added, “If they are not paid, they have the right to sue.”

Goldson said he believed factoring could have helped more local business owners get paid for the jobs they started, faster. However, he said that RCN has since largely ceased that part of its business to focus on real estate lending.

“I think everyone was always confused about factoring and it was frustrating because I thought there was a real chance there was to give some of the smaller contractors a way to keep their payroll up while they wait for their bills to come in” , he said. “It wasn’t about the money. I think don [Vaccaro] tried to build his philanthropic portfolio. And it was frustrating that we couldn’t get the RCN people to really stand up because they just didn’t see any limits. “

(At the same time, City Hall Mayor Toni Harp asked RCN Capital to play a pivotal role in helping small businesses get enough money for city jobs. She invited both RCN and NESAIM, LLC to participate in a round table RCN was a moderator in their administration an event to get minority entrepreneurs ready to bid on pieces of The $ 45 million build of the Strong School. A year later, Harp received a $ 1,000 contribution from Vaccaro towards her re-election campaign.)

FlickrIn the current lawsuit, RCN Capital claims that prior to purchasing invoices from NESAIM LLC, it checked with the city to verify the authenticity of each invoice and confirm its assignment.

She claims that each time the city filled out “Verification, Confirmation, and Acceptance Agreements,” a formal document that pledges to pay the factor directly, not the contractor. These agreements stated that the work was carried out “without restriction or reservation by the client” and that the invoice amounts were “correct, valid and paid in full”.

As RCN argues in the complaint, this meant that it had no further obligations and only “the city of New Haven’s obligation to pay” remained.

City lawyers held off signing these documents for a month and a half because they were concerned about the city’s potential liability, according to emails previously sent to the Independent through a request under the Connecticut Freedom of Information Act had received.

In total, RCN Capital has collected 27 payments from the city totaling more than $ 300,000. The lawsuit alleges the city owes an additional $ 200,000.

In at least two cases, the lawsuit alleges that the city had already begun processing payments to NESAIM, LLC before signing agreements with RCN Capital.

The city’s lawyers, who were served papers in late May, have not yet filed a response in court.

Earlier this year, in response to a Freedom of Information Act request, the city announced to the Independent that it had not been able to find a record of payments to RCN Capital since at least December 2017, the deadline the Independent had set for the search.

“According to [the] Treasury Department, this entity is not a seller under the city’s financial system and there is no record of payments to any such party, ”wrote Kathleen Foster, the city’s chief assistant corporate attorney who manages public record inquiries, in January.

Matthew Gunter, the South Windsor-based attorney who filed the lawsuit on behalf of RCN Capital, declined to comment on the case.

Written by: PeteD on June 12, 2019 10:27 PM

Now has anyone really figured out why factoring is necessary? NO, it is necessary because the debtor, in this case, the City of New Haven and the Board of Education cannot or will not pay their bills on time. Simple as that, RCN knew the city was destroying small, minority and women-run businesses by simply not paying them. The contractor has to pay invoices, employees and materials. The city does NOT have any terms of payment in its contracts, which is a violation of the contract terms of the Department of Consumer Protection in CT. After asking the question and ending up with one of the ring conductors, purchasing agent Michael Fumiatti, his answer was simple: we strive to pay our bikks in 45 days but we don’t guarantee it. Two decades ago a growing concern about small, minority and female contractors who weren’t paid on time ended when he said we’d look. Nothing has happened !!! The contractor had an invoice 150 days late and so the first factoring company canceled because the city was not honoring its own contracts. Two months ago, RCN finally received a payment 455 days late for an invoice that was one year old. None of you could survive that long without getting paid. Also, no interest may be charged to a community, as you cannot tax the people. Factoring is the only way to keep a business going when the city isn’t paying. Neither of us want to use it, we have no choice, we have to fight to get the job, fight to do the job, and then fight for months to try to get paid. NOW you know why there are so few small construction companies in CT and New Haven. I really hope that this makes it into the discussion, because this is the real problem, besides supply control, bid rigging, preferential treatment and yes, racial and gender discrimination. As a city building contractor, I have heard the N word in town hall and during public works more than the whole miniseries of Roots. The sad part is that a lot of great contractors have left town, closed their businesses, or are no longer involved in the town.

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