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breanime · 5 years

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Helpless (Part Two)

Thank you all for the support and interest you’ve already shown in this series! I’m so glad to have such sweet and supportive friends on this site. I hope you like Part Two, and as always, please feel free to tell me how you liked this one, on anon or not! :)

Overall warning for this series: mentions/depictions of violence, some future parts may get ~steamy~

*gif not mine*

You sat, clothes crinkled with your brother’s dried blood, handcuffed to a table at the police station. You’d told them everything: dates, names, places—only leaving out Khalil. He was too young, too fresh. This wasn’t his battle; you didn’t want him to get into any trouble. You had spent the night getting interviewed, first by two cops, then by the two cops and a lawyer, then by the sheriff, two cops, and the Chief of Police. You had signed several papers, committing to your statement. You didn’t care what happened to you; you just wanted Joe to pay.

“Uncuff her,” a woman wearing a suit came in with a manila folder under her arm, “She’s not under arrest.”

The Chief of Police puffed his chest out. He looked like a bird trying to intimidate a much more dangerous predator. “Says who?”

“The Department of Homeland Security,” she answered briskly, taking her badge out and flashing it to them, “Special Agent Dinah Madani. I need the room, please.”

The cops grumbled, but did as she asked, filing out of the room quickly. The agent sat across from you, opening the folder as you stared.

“I’m not under arrest?” You asked.

She shook her head. “Not at the moment, and you won’t ever be, if you agree to be my witness. You give me any and everything I need to get Joseph Yakavetta behind bars, and I’ll grant you full immunity.”

You nodded. You were already committed to giving the cops full honesty, but the addition of immunity certainly appealed to you. Though you were surprised to see the Feds were interested in Big Joe, too. “Deal.”

Things moved quickly after that; Agent Madani took your statement and then had you transferred to a hotel. You took a shower, watching Ronnie’s blood circle the drain, feeling numb and raw all at once.

The Feds had provided you with a small wardrobe, so you got dressed and sat at the edge of the bed, looking through some of the paperwork Madani had given you. The terms were clear: you would only get full immunity if Big Joe was taken down, otherwise, you would be tried for the multiple robbery charges that were tied to your name. You’d asked Madani how she was planning on keeping you safe, and she’d said something about a kind of witness protection. The way she described it (or under described it, to be more accurate), made it seem like you didn’t apply for actual witness protection, but she said something about getting you a security detail. Until then, you had strict instructions not to leave your room unless accompanied by Madani or one of the other Feds who ran with her.

Which is how you ended up in your hotel room for two weeks straight, only leaving to go to the police station and back. You felt like an animal in a cage, spending hours at a time pacing your room, building in breaks to stare out of the window every few minutes, which was exactly what you were doing when your phone—a black flip phone provided by Homeland Security—rang.

“Agent Madani,” you drawled.

“I’m sending Agent Stein over with your security detail. They’re going to go over a few things with you and then move you to a secondary location,” she said, business as usual, “Pack your things and be ready.”

“Wait, wait, wait,” you said before she could hang up, “Does this mean our BFF sleepovers are over? How will I cope?”

You could practically hear her roll her eyes on the other line. “Get ready, Y/N, they’ll be there in less than 15 minutes.”

You pocketed your phone and got to it, throwing your clothes and charger and toiletries in the duffel bag Madani had given you. The night Ronnie died, you’d cut off a piece of the shirt you were wearing before giving the rest of your clothes to the Feds, and you had it at the bottom of your bag. You looked at it whenever you felt unsure, whenever you were feeling scared or caged in, and looking at it strengthened your resolve. Joe killed Ronnie and Jamal, and you couldn’t let him get away with that.

There was a knock on your door; three hard knocks and two soft ones, the knock the Feds used. Still, you looked through the peephole and didn’t unlock it until you saw Agent Stein’s face.

“Madani said I’m finally getting out of this hellhole,” you said, opening the door and stepping behind it like they’d trained you to—just in case an agent had been compromised or been followed or something—and let Stein lead the security in. You shut the door and turned to address Stein once more, but you froze in your tracks.

Billy Russo was standing in your hotel room.

Two Days Earlier

Billy adjusted his tie as he stood in front of the mirror, giving himself a final once-over. He looked good, comfortable in his three-piece suit with his designer shoes and $300 haircut. He got into his car, the Rolls Royce Wraith, and noted every single look of envy he got on the ride over. He fucking loved that look, ate it up like candy. Curtis had called him a man “of wealth and taste”, and he’d liked that. No one who was looking at him now would know he was an unwanted orphan, or that he got his start from dirty money made overseas. Sometimes, in times like these when he was feeling untouchable, even he was able to forget his beginnings for a moment, but just a moment.

He parked his car and went in, letting himself operate on autopilot as he greeted the secretary and the head nurse. He let himself into his mother’s room, closing the door behind him.

She was unconscious, strapped to the bed by her wrists and ankles, and Billy felt that same contradicting wave of anger and smugness and disgust and shame go through him as he looked at her. He took his jacket off and draped it over a chair before seating himself at the edge of the bed. He took out the syringe, prepping it before plunging it into her IV.

His mother blinked herself awake, muttering as she came to. Her eyes widened when they landed on him, and she shuffled on the bed, making little distressed noises at the sight of her only son.

“Hey Mom,” he said, voice low. He didn’t want to startle her even more than she already was. “The nurses say you’re doing good, had a little set back a few weeks ago, got a little spirited, they tell me,” he put his hand on her ankle, and felt her try to recoil. He tightened his hold on her. “I’ve been good, too. Been working a lot,” he looked at the wall as he spoke, “Though I have…” He glanced down at his mother again. If he couldn’t tell her, who else could he tell? “… I’ve been having these dreams lately, memories really, of this girl I knew.” He looked back at his mom, her dark eyes watery and unfocused as a result of the cocktail of meds she was on, a strange reflection of his own eyes. “She, uh, she was the only woman I’ve ever just…wanted,” he said, thinking of your smile and the mischievous twinkle you’d get in your eye when you looked at him, “I mean, she was gorgeous and confident and real, and I just… I liked being around her, you know?” He tilted his head. “Have you ever felt like that?” He asked, knowing she wouldn’t—couldn’t—answer. “Was it like that with you and my father?” He laughed humorlessly. “Probably not, huh?” He shook his head. “Well, I never felt like that until I met her. I thought, at first, that it was just physical, my attraction to her but then…” Billy gave a shrug; it was hard to put his thoughts into words—especially the thoughts about you, things he’d never said outloud before, but he felt like he had to try, had to get them out. “I don’t know, she just… She made me feel connected to something, you know? Connected to her. It’s not like we were dating or anything, but we spent time together… All that time we were hooking up, she never even told me her last name.” He chuckled; he had liked that about you, the mystery, the way you held some things about you so close to your chest. He remembered being intrigued by you, wanting to figure you out—not for any monetary goal or strategic advantage or anything like that, just because you fascinated him. “I was kind of getting used to her,” he confessed, “I liked being around her, and liked spending time with her, but… You remember the guy I told you about? Rawlins?” He looked down at his mom, who just frowned back at him. “He came around again,” his hand twitched on his mother’s ankle, “Back then, a year ago, I still owed him a debt—I’m all paid up now,” he assured her, “Paid up and then some, but then… I had to step away, you know? From her, I mean. Thought it’d be easier if I just went off the grid for a while, and when I got back…” He looked over at the wall again, feeling that same anxiety from that day bubble up inside of him, the dark cloud that had come over him as he stared at your empty apartment. “…She was long gone.” He stood up, needing to move. “I don’t blame her,” he said, rolling his shoulders, “It’s not like we were… It doesn’t matter. It’s just weird, isn’t it, that I’ve been dreaming about her lately?” He looked back at his mother, hands in his pocket. “I usually don’t… dwell on things like this.” He felt his phone vibrate, and he took it out. “It’s work,” he informed his mom, taking the call.

“Russo,” he answered, voice commanding and sure.

“I’m sorry to call you, Mr. Russo, I know this is your personal time,” his assistant began.

“It’s fine,” he interrupted, “What is it?”

“There’s a Dinah Madani from Homeland Security on the line; she says she has a job for you. She says it’s urgent.”

Billy cocked an eyebrow. It must be urgent if Dinah was calling him. “I’m on my way,” he said, hanging up without another word.

He turned back to his mother; she had tears in her eyes. “Gotta go,” he picked his jacket up and shrugged it back on, “You know, I… We could have been a family. I would have taken care of you, given you anything…” He stopped himself. He gave this same speech every time he came here. “…See you next time, Mom.”

He called Dinah back when he got to his office, not sure if this was really a work call or something more…personal.

“I need a favor,” she said in lieu of an actual greeting, “I’ve got a case that hinges on this eyewitness that needs to be protected. I need to get her to D.C quickly, safely, and as quietly as possible. Can you do it?”

Billy sat back at his desk. So this was a professional call. Good. “I’m gonna need more than that, Agent Madani,” he said back, “Who’s she testifying against? How much danger is she in?”

“His name is Joseph ‘Big Joe’ Yakavetta,” Madani answered, “He started out as a small-time gangster out of New York and grew up to be a national threat. He had a group of vagabonds helping him rob armored trucks and banks and other secure vehicles, and on his last heist, he managed to walk off with several high-security documents as well as ATM access codes and other intel.”

“How does that concern Homeland?”

He heard Madani sigh on the other line. She should have known that he wouldn’t take that vague crap—if he was even going to consider this job, he needed details. “I can’t get into it over the phone,” she said, voice low, “But I’m sending you a file now…”

Billy clicked his email and waited.

“…Long story short, Yakavetta has some valuable information in his possession right now that we need to recover, and he’s wanted for homicide as well.” There was a pause, and Billy knew she was trying to decide how honest to be with him. Apparently, she opted for the truth. “He shot and killed an undercover informant who was working with us,” she confessed, “I put him in there, and he died for it. I need it make it right.”

Billy was getting bored, but the file popped up. He opened it, scrolling through Yakavetta’s rap sheet. He was ex-military, had contacts overseas, and had done a lot of heist jobs all over the U.S. “And why can’t Homeland handle this?” Billy asked, lazily moving to the next document Madani sent.

“My bosses aren’t convinced this is a lucrative case. We’ve been after Yakavetta for years and haven’t been able to make anything stick. It was by the skin of my teeth, but I was able to get enough funding to hire a personal security detail for her.”

Billy made an assenting noise, looking through the file on the three men Yakavetta killed; the truck driver from his latest job, and two of his men—one being the informant. “How many men would you need?” He asked, still unimpressed by this case.

“I’d like it to just be you,” she said back, “You can use as many men as you’d need, of course, but you’d be taking the lead on this.”

Billy stopped, cursor floating over the “next” arrow at the bottom of the page. “You want me on this? Me personally?” He clarified.

“You’re the only one I can trust to do this and do it right,” Madani said, and he pictured her grimacing as she spoke the words, “You’re the best man for the job.”

That was true, Billy knew, but this was beneath him—plus it was a Federal case, so there was no telling just how long it would take. And he’d have to leave New York, travel with some sniveling witness and play babysitter. The money would be good, he knew, government contracts always paid well, and he knew Madani was desperate enough to agree to any number he threw out—but overall, it wouldn’t be worth it. “I can put my best man on it,” he said as he clicked “next”, “but I won’t be able—”

He stopped. Your face was on his computer screen, and Billy nearly dropped his phone. You were the witness. His eyes scanned the page, taking in as much information as he could as Madani talked on the other end of the phone, trying to convince him to take the job.

“…money isn’t an object, Russo, just name the number and I’ll match it. Listen—I can get you out here by tomorrow, I need you on this—”

“—I’ll do it,” he said, eyes stuck on your photo. “I’m in.”

Billy moved quickly after that, making arrangements for Anvil in his absence, packing, and hopping on a plane that very night. He spent the majority of the flight on his laptop, reading and re-reading your file, taking it all in greedily. He knew your last name now. He learned more about you in the last three hours than he had seeing you for a month. But it didn’t satisfy him like he thought it would. What was in your file were just words, black and white, and while the information did fill in some holes for him, he still had questions. Questions only you could answer. And anyway, reading all of this stuff from the Feds wasn’t what he wanted. He wanted to hear it from you, though he wasn’t entirely sure why, couldn’t quite place why it mattered and why his curiosity when it came to you was so damn persistent. He hoped that seeing you again would cure him of it, but deep down…

…He knew it wouldn’t.

Present Day

“Madani said I’m finally getting out of this hellhole,” you said, and Billy had to remind himself to stay professional when he heard your voice. It had been so long, but his body ached—literally ached—at just the sound of it.

He followed Agent Sam Stein (a man who wasn’t really Billy’s biggest fan) into the room. His instincts took over for a few seconds, and his eyes darted around the room—checking for exits and vulnerable spots in the hotel—before they landed on you.

Your eyes were wide, but Billy kept his reaction in check. You looked good, wearing a simple white T-shirt, black hoodie, and jeans. He preferred you in nothing, in all honesty, but he pushed those thoughts—and images—down. He was here on a job, after all.

“Y/N, this is Billy Russo, head of Anvil Security,” Stein said, not noticing the tension in the room, or at the very least, ignoring it, “Mr. Russo will be your bodyguard for the foreseeable future.”

You didn’t say anything, just stared up at Billy, turning to watch him as he walked past you and deeper into the room. He’d be lying if he said he’d never thought of this moment, never imagined seeing you again. He never imagined it like this, though. He turned back to you, all business. “We’re going to a safe house,” he told you, “and from there, we’ll make a long-term plan for your safety. Are you ready to leave?”

You nodded wordlessly.

Billy went over to the bed to grab your bag, but stopped when he got to the edge of it. The sheets were rumpled, and the covers were haphazardly thrown on the bed. His mind flashed back to a time when his sheets looked like that after spending hours intertwined with you, still smelling like you days after.

“Billy,” you had gasped out, back arched as your orgasm rocked you, “Billy!”

He grunted on top of you, pushing deeper into you and closing his eyes as you pulsated around him. You felt so good, so incredibly good. Billy dropped his head, burying his face in your neck as he came with you, calling your name just as you were calling his.

Still inside you, still wrapped up in you, he opened his eyes and stared down at you. Your eyes were closed, mouth open as you panted, sweat making your skin glow, and your hair was a mess on his pillows. He had never seen anything more beautiful, and he felt a sudden wave of possessiveness take over. No other man deserved you, no other man should be able to see you, feel you, the way he did. This was where you belonged; beneath him, cocooned in his arms, sheets damp under your body and blanket thrown over the mattress, forgotten and unneeded as you warmed each other.

You opened your eyes, smiling up at Billy, and he felt himself smiling back, felt his heart melt at the sight of you—all his in that one moment.

Billy wasn’t sure what this was, this thing between the two of you, and a part of him was urging him to face reality—this could never work, he could never tell you the truth about himself, could never truly let you in, but… In that moment…damn did he want to.

“Hey,” you said, poking his nose with your finger, “Stop thinking, Russo, and kiss me.”

He did. And later, in the morning, when he woke up with you in his arms and his comforter on the floor, sheets a mess, he kissed you again.

He could kiss you forever.

Billy turned back to you, slinging the duffel bag over his shoulder. The memory came out of nowhere, just as vivid and real as it had been then, and he licked his lips, chasing the memory of your sweet, sweet kiss. You were still staring at him, pretty eyes wide and lips parted, ready, he thought, to be kissed. The logical side of him told him to focus on the mission, to just do the job, but the other part of him wanted nothing more than to grab you and tell you everything would be okay. To push you onto the bed and ruin the sheets just a bit more.

…This might be harder than he thought it’d be.

*******************************************************************************************

Okay, who’s POV should the next chapter be in? Billy’s or the Reader’s? And what did you think of this part? Did you like it? Do you know who the informant was? Do we trust Homeland? Do we trust Billy?! Are we even trustworthy?! *dun dun!*

Helpless Taglist (let me know if you’d like to be added or removed): @accioromancff @funerals-with-cake @700teacups @thesumofmychoices @wangmangagavroche @aikeia @im-a-mess-ness @fangirlharbor

Taglist: @lexxierave @loveintheroyalfamily@suchatinyinfinity@fanfictionrecommendations-com @maxslime-blog @elanor-of-imladris@songforhema @lucielandss @fandomlifeandeverythingelse @themadhatter92@realduckvader @the-blind-assassin-12 @christinawxxx @anabella-baby @blackcoffeeandgreenteaforme @luminex3 @littlemermaidprobz@ashkuuuu @luckysstrikes @carlaangel86 @floralpeaceofmind @dylanobrusso @teacuplotus @iaintnofurry @thesumofmychoices @ymariejp @its-my-little-dumpster-fire @mrsjaxtellerfan @whovianayesha @holamor @drinix @rhabakoli @stories-you-wont-hear @king4thesirens @starkrobb @marauderskeeper @charlylama @thesandbeneathmytoes @something-tofightfor @banditthewriter @binbons-is-theloml @thebabblingbookworm @khuangpu13

#billy russo x reader #billy russo imagine #helpless fic

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powerandmagic · 5 years

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MAÑANA: Latinx Comics From the 25th Century is now open for submissions.

[Noten: Toda esta información también está disponible en español a pedido.]

"In 1492, Christopher Columbus sailed to the islands of the Caribbean. That single event led to the radical transformation of the region, the hemisphere, and eventually the entire world.

Indigenous peoples were decimated. Lands were colonized. African peoples were displaced and enslaved. Race, as a concept, took root. Black women and indigenous women were subjugated. Cultures died, fused, changed, and were, sometimes, reborn. Art, music, foods, and faiths echoed these tangled pasts. Immigrants from across the planet flocked to the newly christened "Latin America." A caste system based on race and color reigned. Liberation struggles were fought. Revolutions were won. Wars of independence were waged. Coups were orchestrated. Global capitalism ran amok, fueling the mass exodus... And we survived it all.

That all seems so far away now."

MAÑANA: Latinx Comics From the 25th Century is a speculative fiction comics anthology set throughout Latin America in the 2490s, roughly one thousand years from the voyage that changed the world. It took 500 years to get us where we are now -- where could 500 more take us?

Submission Period

Submissions will be open to the public from May 27th - July 7th, 2019 (11:59 PM Pacific Time).

Who Can Participate

To pitch a story to MAÑANA, you must be Latinx or Latin American. We define Latinx as "a person living outside of Latin America whose cultural background includes any of the Spanish, Portuguese, or French-colonized countries of the Americas and the Caribbean." We define Latin American as anyone born, raised, and currently living in any of those same countries.

You may pitch as a SOLO CREATOR (making the whole comic by yourself), as a WRITER ONLY (story writer who we will pair with an artist), or as an ARTIST ONLY (a comics artist who we will pair with a script).

Solo Creators with a strong story idea but not-as-strong artwork may receive an offer to be paired with a different artist (vice versa for pitches with stronger art than story).

"Writers Only" may request to be paired with a specific artist. The artist they request must be someone they know for a fact is filling out the "Artist Only" submission form. The reverse applies to "Artists Only" requesting a specific writer.

Age Restrictions

All contributors must be 18 years of age or older. All content must be suitable for readers as young as 14 years old.

Specifications

Comics from 2 - 12 pages long (must be an even number)

6.625” x 10.25” trim size (template will be provided)

Bleed? Yes.

Black & White, or Grayscale (no screen tones)

600 dpi

.PSD final files

Timeline

Selection Process (May 2019 - Aug 2019)

Open Submissions: 5.27 - 7.07 (6 weeks)

Selection Period: 7.08 - 7.28 (3 weeks)

Acceptance Emails & Feedback: 7.29 - 8.08 (1 week)

Paperwork: 8.09 - 8.15 (1 week)

Creation Period (Apr 2019 - Sep 2019)

Script: 8.16 - 9.15 (4 weeks)

Feedback/Edits: 9.16 - 9.29 (2 weeks)

Thumbnails: 9.30 - 10.20 (3 weeks)

Feedback/Edits: 10.21 - 11.03 (2 weeks)

Pencils: 11.04 - 12.15 (6 weeks)

Feedback/Edits: 12.16 - 12.29 (2 weeks)

Inks: 12.30 - 1.26 (4 weeks)

Feedback/Edits: 1.27 - 2.09 (2 weeks)

Toning & Shading: 2.10 - 3.01 (3 weeks)

Feedback/Edits: 3.10 - 3.15 (2 weeks)

Lettering: 3.16 - 4.05 (3 weeks)

Feedback/Edits: 4.06 - 4.19 (2 weeks)

Final Files Due: May 3rd, 2020

Kickstarter (May 2020)

Payment (June 2020)

Compensation

Contributors will be compensated at a rate of $107/page plus any Kickstarter bonuses unlocked through stretch goals. Contributors also receive a minimum of 10 complimentary copies of the anthology, royalties on all digital sales proportionate to their page-count contribution, and royalties on any future print runs of the anthology after the first printing sells out.

"Writers Only" will receive $42/page, with bonuses, comp copies, and royalties split evenly between themselves and their artist.

"Artists Only" will receive $65/page, with bonuses, comp copies, and royalties split evenly between themselves and their writer.

All contributors have the right to purchase additional copies of the anthology at 50% off the cover price for as long as the anthology is in print.

Rights

Creators will cede exclusive first worldwide print and digital rights to their stories for a full calendar year from the date of publication, and non-exclusive worldwide print and digital rights (in both the English and Spanish languages) in perpetuity. Ownership remains with the creators.

What We WANT:

Comics (not illustrations, not prose, not poetry).

Previously unpublished stories.

The protagonist (or POV character) must be Latinx or Latin American.

Writers who have a connection to the country they choose as their setting (either from there, born there, parents or grandparents born there, lived there for many years, etc.)

Speculative fiction: How has technology changed? How has society changed? How have politics changed? The natural world? Fashion? The thoughtfulness of your world building will make or break your pitch.

Informed fiction: We want stories whose ideas about the future are rooted in an understanding of the past and present. For example: we're less interested in whether flying cars exist and more interested in whether the Amazon rain forest makes a full recovery (and what that means for Brazil).

Optimism: your vision of 25th century Latin America doesn't need to be utopic (although it can be) as long as themes of improvement, empowerment, growth, or problem-solving predominate.

Peaceful stories, sad stories, triumphant stories, funny stories, failure stories, action stories, philosophical stories, love stories -- the full spectrum of humanity is welcome. The catch: it must end “positively.” Everything doesn’t have to work out, but we prefer stories end on a note of hope, new understandings, resilience, etc.

What We DON’T Want:

No fan works. No auto-bio. No prose. No one-off illustrations.

Comics that are already finished or that you’ve already started drawing.

Hacking the Mainframe: Unless you really, really think you can "WOW!" us with a highly original take, avoid "hackers take down the mega corporation" as a plot (because it's been done to death).

Fantasy: We want science fiction and/or speculative fiction based in the real physical laws of our universe. However, certain elements of magic realism can work for us (e.g. in an otherwise realistic setting, a character speaks to a long departed ancestor, experiences old gods in a vision, or watches their life unfold out of sequence).

Ahistorical Takes: any stories that erase, deny, or revise the real-world histories of Latin American peoples will be rejected.

Horror: Your story can use fear and danger as plot elements, but if instilling fear/existential dread in the reader is the overarching goal, this is the wrong anthology.

Cursing is permitted as long as words aren’t used literally (i.e. “Shit, you scared me!” as opposed to “Let’s go shit in the woods!”) and are used very sparingly when used at all. In general, we’d prefer not.

No porn. No references to specific sexual acts. No explicit nudity whether sexual or non-sexual (sorry, folks). “Consensual fade-to-black sex between legal adults” is fine.

No depictions of abuse (sexual, physical, psychological) whether pictorial or written. Characters may vaguely reference (in non-graphic language) abuse that they have suffered in the past if doing so serves the story or is integral to the character.

No gore. People can get hurt, bleed, die, etc, but not in a grossly over-the-top way that fetishizes violence.

No slurs, no racist statements nor imagery, no misogyny, no transphobia, no ableism, no xenophobia, and no white supremacist nonsense in general. Since this anthology is about Latin America's future, these topics can be broached in your story, but we urge you to tackle such subjects in a more creative way than "[insert drawing of some guy yelling a slur]."

Ready to pitch?

"SOLO CREATORS" APPLY HERE.

"WRITERS ONLY" APPLY HERE.

"ARTISTS ONLY" APPLY HERE.

Here’s what you’ll need to complete each form:

SOLO CREATORS:

A working title and page count for your comic (doesn’t have to be exact).

A synopsis of your story, including a beginning, middle, and end. Spoil everything, but try to keep it under 300 words.

Preliminary sketches associated with your pitch: character ideas, environment concepts (the latter is especially important if your portfolio lacks strong examples of background art), etc. These don’t need to be final or polished pieces! Just clear enough to give us an idea.

Links to any relevant publishing credits. Self-published works and webcomics count as credits! Choose examples that best reflect the style you intend to use for this comic. You may simply include a link to your portfolio if you have no pre-existing credits, but please note that folks with sequential storytelling examples will receive preference.

Tell us about yourself, your cultural and creative background, and why you want to be in MAÑANA. Short and sweet is best!

WRITERS ONLY:

A working title and page count for your comic (doesn’t have to be exact).

A synopsis of your story, including a beginning, middle, and end. Spoil everything, but try to keep it under 300 words.

Links to any relevant publishing credits. Self-published works and webcomics count as credits! You may simply include a link to your writing portfolio if you have no pre-existing comics writing credits, but note that folks with comics writing experience will receive preference.

Tell us about yourself, your cultural and creative background, and why you want to be in MAÑANA. Short and sweet is best!

ARTISTS ONLY:

Links to your portfolio and/or any relevant publishing credits. Self-published works and webcomics count as credits! You may simply include a link to your portfolio if you have no pre-existing credits, but please note that folks with sequential storytelling examples will receive preference.

Tell us about yourself, your cultural and artistic background, and why you want to be in MAÑANA. Short and sweet is best!

More Questions?

Check out the FAQ. If your answer isn’t there, Ask away!

#mañana anthology #latinx #comics #latino #latina #latin america #paid #power and magic

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pgoeltz · 4 years

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So this is insane i got airline tickets, and as i have a back full of metal i took insurance. I called Delta Air Lines to cancel and Expedia and got in touch with AIG (traverlguard anon) they are all partners, get the picture. Anyway i got all the doctors papers filled out follwed the insurance rules, they kept telling me covid is not covered, i said stop, but expedia issued me a 2 yr travel voucher which i declined but doubt the foreign speaking person could understand (funny you should see the letters from @expedia written by people in India, no wonder the empire is failing) they hire ?? i will post the letters also. the English and grammar is bad). So i turn in the paperwork and anon @aig declines me saying we issued you credit for two yrs, i asked what about insurance well turn those form in or get a letter from Expedia, which no one did a thing. So if you this #45 is bad AIG Delta Air Lines Expedia and Amazon.com are ruining this country just like POTUS 45. well 48 hr 300 calls and threats they are refunding my money now the other two airline tickets. BUT trust me my fury is not over with them. "Refund Processed We're excited to confirm that we processed your refund application today. Refund Amount Please expect a refund of USD 434.40. When You'll Get Your Refund With the significant increase in flight cancellations across the travel industry, most refunds will be issued within 8 weeks, but some refunds could take longer, depending on the airline. There is no need to reconfirm your request, we’ll be following up with the airline to ensure your refund is processed." "We understand that you are dissatisfied with receiving a credit with Delta airlines vs. a full refund. We’ve worked incredibly hard to push our partners to provide travelers with as much flexibility as possible due to COVID-19, particularly for flights that are ordinarily non-refundable or limited any changes. We recognize that an airline credit may not be what you were looking for, but know that these are extraordinary circumstances that travel partners are trying to work through. We are still bound by the terms and conditions of airlines and this is the only option that they are providing at this time. However, since you purchased an insurance you can file a claim to TRAVELGUARD for the refund." every email from @expedia was lies or just plain BS, doing there best to keep money even though i had a medical reason. and if not lies not phone answering, or not call back or for weeks you could not speak to anyone in USA "From: peltz@com Sent: Jun 24, 2020 4:33:05 PM To: [email protected] Additional Recipients: Subject: Re: Requested Email: Flight Billing and Refunds - Itin: 7519465026257 - Case ID : [REQ:S-7] decline the credit as i have insurance, i need a letter from Expedia saying that the insurance said i need letter from Expedia who is writing these letters, maybe a course in English "Keep in mind since this is for a medical circumstances you able to submit the refund request " yes anon aig as the doctors note, i took insurance. that you sold me.. On Wednesday, June 24, 2020, 10:17:10 AM MDT, [email protected] <[email protected]> wrote: Dear Paul Louis Goeltz, We are contacting you from Expedia in regards to your cancellation request for your flight booking going to San Jose, CA, United States. We would like to inform you that we have verified that your itinerary 7519xxxxxxx has been successfully cancelled and you are holding an airline credit. Find below the rules and restrictions:  Original amount paid per passenger: 434.40USD  Change penalty (charged when redeeming the credit per traveler): 0.00USD  Ticket validity date: Commence on or before 27 May 2021  New ticket must have same airline.  New ticket must be for the same passenger(s) as originally booked.  Since the ticket is non-refundable, flight credit will also be non-refundable.  New ticket must depart from the same country as the original ticket.  If the new ticket is less expensive than the original, any remaining amount may be forfe

#AIG #Delta #Delta Airlines #Travelguard #Exedia #Aigtravel

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newstfionline · 4 years

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Headlines

Global institutions are flailing in the face of the pandemic (Washington Post) As the coronavirus pandemic sweeps across the world, institutions founded decades ago to organize and manage coherent responses to global crises seem to be flailing on the sidelines. Individual nations have turned inward, competing for resources and hurling blame at each other for allowing the virus to spread. Some are hoarding vital medical supplies and restricting exports, while others are suffering acute shortages. Countries have set their own guidelines for behavior and determined their own travel restrictions without consulting neighbors or the wider international community. The World Health Organization, charged with anticipating and alleviating international health insecurity, is accused by the United States and others of making the situation worse. President Trump, who has said the WHO favors China, on Tuesday announced a halt to U.S. funding. The U.N. Security Council, the world’s premier international decision-making forum, has been paralyzed by disputes among its leading members. The question is not only whether the world order has stumbled but what direction it will take when the current crisis is over. Will there be a new appreciation of its importance, and a determination to make it work better? Or will pre-virus trends accelerate toward tighter borders, less cooperation and a tilt toward nationalism?

Now joining the fight against coronavirus: The world’s armed rebels, drug cartels and gangs (Washington Post) In Afghanistan, the Taliban has dispatched health teams to far-flung provinces to confront the coronavirus. In Mexico, drug cartels are offering aid packages to those feeling its economic impact. In Brazil and El Salvador, gangs enforce curfews to prevent its spread. As governments around the world have responded to the coronavirus, so too have armed insurgents and terrorist groups and drug cartels and gangs, a parallel underworld of public health policy and strategic messaging. It is hardly the first time such groups have attempted to fill the role of government. But few crises in modern times have tested the limits of the world’s nation-states as the coronavirus has, providing an opening for armed groups to step in where presidents, police forces and parliaments have failed. Analysts who study the organizational structure of armed groups are now cataloguing dozens of instances of rebels and bandits making forays into public health policy.

IMF predicts worst recession since Great Depression (Foreign Policy) The International Monetary Fund Chief Economist Gita Gopinath projected that the global economy would contract by 3 percent, a downturn three times greater than the contraction after the 2008 financial crisis. “It is very likely that this year the global economy will experience its worst recession since the Great Depression,” Gopinath said. She added that although a “partial recovery is projected for 2021” countries should still expect their economies to be 5 percent smaller.

Would you give up health or location data to return to work? (AP) As countries around the world edge toward ending lockdowns and restarting their economies and societies, citizens are being more closely monitored, in nations rich and poor, authoritarian and free. New systems to track who is infected and who isn’t, and where they’ve been, have been created or extended in China, South Korea and Singapore. And a range of other surveillance systems – some utilizing GPS location data, some gathering medical data – have been debated or piloted in Israel, Germany, the U.K., Italy and elsewhere. The challenge: achieving the tricky balance between limiting the spread of disease and allowing people freedom to move outside their homes. Whether the prospect on the table is “immunity passports” or cellphone-based tracking apps, the aim is to protect public health. But experts say it’s also important to avoid a slippery-slope scenario where data collected to minimize the spread of disease is stored indefinitely, available without limits to law enforcement or susceptible to hackers.

Military sees no quick exit from 'new world' of coronavirus (AP) The U.S. military is bracing for a months-long struggle against the coronavirus, looking for novel ways to maintain a defensive crouch that sustains troops’ health without breaking their morale — while still protecting the nation. Officials have frozen most forces in place overseas, stopped troops and their families from moving to new assignments, and cut back access to the Pentagon. The military services have halted or restricted recruit training, canceled major exercises, and isolated troops in the most sensitive units. The new Space Force has delayed a satellite launch, and the Navy this week postponed the return of the USS Harry S. Truman, keeping the aircraft carrier at sea to shield its crew from virus exposure at home. These steps to protect the force have parallels in civilian society, but a far-flung military can’t function by staying at home. “This will be a new way of doing business that we have to focus in on,” says Air Force Gen. John Hyten, vice chairman of the Joint Chiefs of Staff. “We’re adjusting to that new world as we speak today.”

In Pandemic’s Grip, Russia Sees Spike in Age-Old Bane: Drinking (NYT) Across the world, the coronavirus pandemic has sparked fears of increased alcohol abuse, as people locked in and anxious turn to drink. In Russia, two weeks into a nationwide partial lockdown, those fears are becoming reality as evidence mounts that a spike in alcohol sales is fueling a rise in domestic violence. Reducing the country’s passion for inebriants has been one of the government’s main public health goals under President Vladimir V. Putin, and the most recent official statistics showed Russians consuming about one-third less alcohol per year than they did in 2003. But dayslong drinking binges are still a habit for some people, especially during holidays. In late March, when Mr. Putin obliged with a nationwide paid week off to combat the spread of the coronavirus, the habit kicked in. Sales of vodka in Russia shot up 65 percent in the last week of March, compared with a month earlier, according to the market research firm GfK.

China Grapples With Diplomatic Disasters (Foreign Policy) Beijing is trying to put out multiple diplomatic fires this week, as China discriminates against foreign residents amid the coronavirus pandemic and its embassies spread misinformation online. It faces the biggest crisis across Africa, after hundreds of African nationals, mainly from Nigeria, were expelled from their homes in Guangdong and banned from restaurants or shops. The discrimination has caused widespread outrage, including a rare joint complaint by around a dozen African countries. Anti-black racism in China is common, and it has grown more intense in recent years. China’s initial response to the protest was to deny the discrimination, though there have now been some attempts at conciliation. Elsewhere, France summoned the Chinese ambassador in Paris on Tuesday after his embassy made false claims online that French nursing home workers were abandoning their charges. The comments follow a pattern of aggressive efforts by Chinese diplomats to depict the rest of the world as slipping into chaos and even to blame other countries for the coronavirus outbreak. Meanwhile, much of the Chinese medical equipment delivered to Europe during the pandemic has been found to be defective or counterfeited.

Taiwan’s coronavirus success (Foreign Policy) Taiwan detected the threat of the coronavirus as early as Dec. 31, 2019, by watching China closely—followed by prompt action by Taiwanese health officials and immediate checks on travelers from Wuhan, where the virus originated. Taiwan remains one of the pandemic’s outstanding success stories, especially given its high degree of travel from China. On Tuesday, Taiwan reported zero new cases of the coronavirus.

North Korea Fires Missiles as South’s Elections Loom (NYT) North Korea fired several short-range missiles off its east coast on Tuesday, a day before South Korea is scheduled to hold elections for its 300-seat Parliament. The projectiles, launched from the town of Munchon, were believed to be cruise missiles, the South Korean military said in a statement. Under a series of United Nations resolutions, North Korea is banned from testing ballistic — but not cruise — missiles. Thus, its launchings on Tuesday were considered less provocative than its recent tests of ballistic missiles. But South Koreans remain sensitive to any move by the North to raise tensions during an election time for fear it might sway how voters cast their ballots.

Japan Needs to Telework. Its Paper-Pushing Offices Make That Hard. (NYT) Officially, Shuhei Aoyama has been teleworking for a month. But that doesn’t mean he can avoid going to the office. Several times a week, Mr. Aoyama makes a half-hour commute across Tokyo for a task seemingly more suited to the age of the samurai than of the supercomputer: stamping his official corporate seal on business contracts and government paperwork. The stamps, known as hanko or inkan, are used in place of signatures on the stream of documents that fill Japan’s workplaces, including the hotel network that employs Mr. Aoyama. They have become a symbol of a hidebound office culture that makes it difficult or impossible for many Japanese to work from home even as the country’s leaders say working remotely is essential to keeping Japan’s coronavirus epidemic from spiraling out of control. While the world may see Japan as a futuristic land of humanoid robots and intelligent toilets, inside its offices, managers maintain a fierce devotion to paper files, fax machines, business card exchanges and face-to-face meetings.

#headlines #news

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architectnews · 4 years

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Sustainable Architecture: Climate Change

Sustainable Architecture, Eco Buildings, Climate Change, Green Building Opinion, Architects, Links

Sustainable Architecture Design News

Green Building: Ecological Architectural Debate – CO2 Emissions Reduction News

11 Dec 2020

Climate Action Friday 11 December

Climate Action – #FridaysForFuture

#FridaysForFuture is a movement that began in August 2018, after 15-year-old Greta Thunberg and other young activists sat in front of the Swedish parliament every schoolday for three weeks, to protest against the lack of action on the climate crisis. She posted what she was doing on Instagram and Twitter and it soon went viral.

Construction is responsible for 23% of the world’s GHG emissions,

it is incumbent on the architecture profession to help lead the way to a better future,

not only lower carbon, but also less pollution,

get involved!

fridaysforfuture map

photo courtesy of #FridaysForFuture

24 Nov 2020

City Mayors Pledge Sustainable Construction

C40 Cities connects 97 of the world’s greatest cities

Commit to Clean Construction, Moving the Industry Towards a Sustainable Future

Four leading mayors are initial signatories to C40 Clean Construction Declaration, pledging to work with industry to halve emissions from construction projects in their cities by 2030

C40 Clean Construction Declaration

Sustainable Buildings News

Contemporary Green Architecture Design – selection of posts:

Net Zero Carbon Buildings News photo courtesy Anders Vestergaard Jensen, unsplash Net Zero Carbon Buildings

Zero-carbon Interiors

Zero Carbon Buildings 2050 Report

House of Lords Zero Carbon Homes Ruling

2020: The Year of Net Zero photo © Richard Glover / Matt Estherby Sustainable Building News : Zero-Energy updates

Climate and Biodiversity Emergency photo : Tim Griffith Climate and Biodiversity Emergency

Eco House Bolton

Zero Carbon House in Birmingham, UK Dec 17, 2019

Forcing Sustainable Buildings Via Legislation

Architects as Guardians of the Environment

It’s official:

Local, state, and federal laws will soon require all new and existing buildings to be sustainable.

In California and other states, all new housing must be green in 2020. All other building types will follow in short order.

Why? Because buildings are primary sources of pollution, carbon emissions, electricity consumption, toxic air, and wasted natural resources.

This is the greatest opportunity ever offered to architects, engineers, and contractors.

The laws have been written; they’re about to be implemented throughout the U.S. and major cities around the world.

The key links in implementation are architects and green consultants who will be leading the way in their roles as guardians of the environment.

The San Francisco Institute of Architecture (SFIA) is still the leader in green architecture degree programs, technical short courses, and continuing education.

SFIA’s students, graduates, and faculty build, teach, publish books, and design the most sustainable buildings on the planet.

Although their courses are all online now, SFIA draws on the resources of the world-renowned faculty. (All posted at www.sfia.net.)

To help prepare for the most extraordinary opportunities in architectural history, SFIA is now offering extra- low scholarship-level tuitions for degrees in architecture, green building design and construction, project management—and the very popular Master of Science in Green Building and Sustainability (MSGB).

We invite you to see what’s new at www.sfia.net, and if you haven’t already done so, please join with our world class students, graduates, and educators in truly helping to change the world for the better.

Fred A. Stitt, Architect San Francisco Institute of Architecture (SFIA) [email protected] www.sfia.net

SFIA Box 2590 Alameda, CA 94501 1-800-634-7779

Dec 5, 2019

Climate Justice Groups Denounce Carbon Markets

Climate Justice Groups Denounce Carbon Markets with a Day of Protest at COP25 in Madrid

MADRID — On Thursday, December 5, 2019, climate justice organizations will lead a day of protest against carbon markets at COP25, calling to keep this false solution out of the Paris rulebook.

WHAT: Climate justice groups denounce carbon markets with day of protest at COP25 WHEN: Thursday 5 December, 10:00 – 10.30 am WHERE: Entrance of Hall 4, IFEMA Blue Zone, Madrid WHO: Climate justice organizations including Friends of the Earth International, Indigenous Environmental Network, La Via Campesina, Asia People’s Movement on Debt and Development, It Takes Roots, SustainUS, Corporate Accountability International, and many more.

Article 6.2 and 6.4, about rules for carbon markets, will be key items on the negotiating table at COP25 in Madrid. A resolution is likely to be sold by polluting countries and corporations as a “solution” to global warming. In reality, carbon markets are a false solution—they have never, and will never, deliver on emissions reductions. Instead, they enable ‘business-as-usual’ and pose a grave threat to Indigenous Peoples and frontline communities globally.

From 10.00 – 10.30 am in the entrance of hall 4, at the IFEMA blue zone, the organizations will stage a theatre sketch about the destruction brought by carbon markets and carbon offsets. Representatives from frontline communities around the world will speak out about their opposition to these false solutions.

In a press conference at 9.00 am in the Mocha Room the same day, 5 Dec 2019, the organizations will launch a briefing to demystify Carbon Markets, and a petition signed by over 150 civil society organisations and social movements so far, and still rising. Printed copies of the carbon markets briefing will be available in English and Spanish.

Carbon Markets Petition

• Carbon Markets briefing (English): https://ift.tt/3a13gqp • Carbon Markets briefing (Spanish): https://ift.tt/37VZYSK • Carbon Markets briefing (French): https://ift.tt/3n4E1au

Nov 5, 2019

USA Withdraws from Paris Climate Agreement

Donald Trump files to leave Paris Climate Agreement

WASHINGTON, D.C. – The Trump administration today filed paperwork to begin the formal process of withdrawing the U.S. from the Paris Climate Agreement.

In response to today’s actions, Karen Orenstein, Friends of the Earth’s Deputy Director of Economic Policy, issued the following statement:

Donald Trump is more concerned about protecting his golf courses than he is about climate change-fueled flooding that could threaten 300 million people living in coastal areas by 2050. World leaders must not wait for Trump, and must not use his moral bankruptcy as an excuse for inaction. The rest of the world must implement the Paris Agreement without the United States.

However, rich countries must take the threat caused by climate change far more seriously and make their mitigation and climate finance commitments commensurate with what climate science and justice demand. When the U.S. has more sane leadership and rejoins the international community, the Paris Agreement needs to be substantially more equitable and ambitious.

While Trump’s White House works to destroy the environment, Congress must move the international climate agenda forward by supporting the Green Climate Fund Authorization Act of 2019, introduced by Representative Adriano Espaillat (D-N.Y.). This bill would facilitate the provision of funds needed for developing countries to deal with a climate crisis that is not of their making.

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Friends of the Earth fights to protect our environment and create a healthy and just world. We speak truth to power and expose those who endanger people and the planet. Our campaigns work to hold politicians and corporations accountable, transform our economic systems, protect our forests and oceans, and revolutionize our food & agriculture systems.

Friends of the Earth contact Friends of the Earth, 1101 15th Street NW, 11th Floor, Washington, DC 20005, United States.

7 Oct 2019

Sustainable Building News 2019

Population Matters statement on State of Nature 2019

Population Matters director Robin Maynard says:

“The State of Nature report leaves us in no doubt that nature and the conservation community are fighting a losing battle against the UK’s ongoing assault on our wildlife. Good things are being done, but not enough. One reason this battle is being lost is only fleetingly referenced in the report – the most rapidly expanding population of any large nation in Europe (1).

Those references are telling: water abstraction, urbanisation and infrastructure development. These developments are the inevitable consequences of population growth. We all need land, we all need water, we all need infrastructure.

The report states that urbanisation accounted for a greater impact on species than any other habitat conversion and made clear one of the critical trade-offs: we can use less land if we choose to live in a Hong Kong style concrete forest of high rises and then see urban green spaces which offer vital refuges of biodiversity eradicated – or we can sprawl outwards, grubbing up land and habitat from our countryside. Either way, nature suffers.

While population growth is not the only factor driving increased housing demand, ending our population growth is essential if we are to ease that pressure. Meanwhile, our expanding population is clearly one driver of the agricultural intensification that the report identifies as another critical factor.

The 2016 State of Nature report described the UK as one of the most “nature depleted countries in the world”. Overall, things are now worse. The causes are multiple and complex and they demand solutions which are far-reaching and substantial across a multitude of areas.

If, however, we ignore the fact that the ONS projects our population will grow by more than 6 million people over the next 25 years, it’s hard to see how we can possibly expect the battle to protect our biodiversity to be won. If we’re to do so, the UK needs a progressive, evidence-based and strategic Sustainable Population Policy as a matter of urgency.”

State of Nature 2019 report https://nbn.org.uk/wp-content/uploads/2019/09/State-of-Nature-2019-UK-full-report.pdf

UK population growth. The UK population grew from to 52.1m to 66.6m between 1950 and 2018, and is projected to grow to 72.9 million by 2041. Source: Office for National Statistics https://www.ons.gov.uk/peoplepopulationandcommunity/populationandmigration/populationestimates/articles/overviewoftheukpopulation/august2019.

The UK is currently expected to become the most populous nation in Europe in the second half of the century. Source: European Environment Bureau https://www.eea.europa.eu/data-and-maps/indicators/total-population-outlook-from-unstat-3/assessment-1

Population Matters is campaigning for population issues to be addressed in the forthcoming review of the targets and action plan for the Convention on Biodiversity https://populationmatters.org/campaigns/population-and-convention-biodiversity

3 Jul 2018

Sustainable Building News 2018

UK Stakeholders for Sustainable Development Report

Built environment organisations call for urgent action on issues such as consumption, innovation and infrastructure to prevent UK slipping behind other nations on poverty, equality and the environment.

A new report released today (3 July 2018) has highlighted the UK’s inadequate performance against the United Nations Sustainable Development Goals (SDGs), including those for the built environment.

The report, Measuring up, from the UK Stakeholders for Sustainable Development (UKSSD), is the first comprehensive assessment of the UK’s performance against all 17 SDGs and highlights a significant danger that quality of life in the UK will worsen if action is not taken:

Sustainable Development Report News

5 Feb 2018

Population and Climate Change

Population and climate change conference

Population Matters will hold its annual conference in London on 3 March 2018.

Entitled Climate change and us: more feet, more heat? Its theme will be population growth and its impact on climate change. A panel of experts and campaigners will discuss the evidence, the problem and the solutions from a range of perspectives.

For too long, population has been ignored from discussions and plans to tackle climate change, to devastating effect. However, last year, analysis undertaken for a plan to reverse global warming – Drawdown – identified family planning and the education of girls as among the top 10 workable solutions available today. We are pleased to contribute to an initiative like Drawdown with a conference focusing specifically on the link between population growth and climate change. It is urgent.

image courtesy of Population Matters

Population needs to be at the core of discussions on how we are going to combat climate change, and part of the solutions.

In 2017, more than a third of 50 Nobel prize-winning scientists surveyed by the Times Higher Education at the Lindau Nobel Laureate Meetings said that human overpopulation and environmental degradation are the two greatest threats facing humankind.

Waste and over-consumption, especially by wealthy nations, is also putting a huge strain on the environment.

Those in the architectural/construction/property sectors must keep re-evaluating what tangible steps we can make to use less energy and materials.

The event takes place on Saturday 3 March 2018, 2pm, at Conway Hall in central London.

Population and climate change conference

24 Apr 2017

Construction Carbon Reduction

Reduced carbon in infrastructure projects can also reduce costs

When you reduce carbon you can also reduce costs, but you need to consider it at an early stage. Mike Putnam, President & CEO of Skanska UK, is clear about what has to be done to reduce carbon in infrastructure projects.

“You can’t just tackle carbon when you’re part way through a project – because the die is already cast. What you need to do is start up-front when you’re almost got a blank sheet of paper, and say ‘What can we do to take carbon out?’”, he says in the latest episode of Construction Climate Talks.

Mike Putnam, President & CEO of Skanska UK:

Mike Putnam is also Chair of the Green Construction Board which developed the Infrastructure Carbon Review, which sets out a series of actions to achieve carbon reductions of 24 million metric tons per annum from the construction and operation of the UK’s infrastructure assets by 2050, yielding a potential net benefit of up to £1.46 billion per year.

“What we have been able to demonstrate is that by going at the low carbon, trying to take carbon out of construction – whether it’s in the capital phase or the operational phase – it has the added benefit of reducing cost as well.”

Mike Putnam says that it is also important to build a culture where everybody involved in the business and across the industry really understand what the green agenda is all about. “It’s only collaborating across the industry that will bring the whole industry up to a much higher level,” Mike Putnam says.

See Mike Putnam talking about taking carbon out, rewarding success and collaboration, in the 10th episode of Construction Climate Talks. The episode is also released on CCC YouTube, Facebook, Twitter and LinkedIn. The Construction Climate Talks series, produced by the Construction Climate Challenge initiative hosted by Volvo Construction Equipment, highlights some of the most important issues in climate sustainability today. See all previous episodes here: https://ift.tt/2s1LFKe

For further information please visit Construction Climate Challenge or contact [email protected]

The Construction Climate Challenge (CCC) is an initiative hosted by Volvo Construction Equipment to promote sustainability throughout the entire construction industry value chain and provide funding for environmental research. The Construction Climate Challenge is a part of the Volvo CE commitment to WWF’s Climate Savers Programme.

11 Jan 2017

Construction Climate Challenge

Construction Climate Challenge – Emission Reduction

Open source tool will help drive emission reduction

A new research project seeks to develop a tool to identify and reduce carbon in the construction supply chain. The project is a collaboration between the University of Edinburgh Business School and Costain Group and is funded by the Construction Climate Challenge (CCC) initiative hosted by Volvo Construction Equipment.

The Carbon Infrastructure Transformation Tool project (CITT) started from the need to solve two key problems facing the construction industry – the pressing need to reduce GHG emissions, and the highly fragmented nature of supply chains.

“In large infrastructure projects there are large amounts of emissions at stake. The supply chain is also very fragmented, with many different stakeholders. It’s important to ensure we have a consensus across the whole chain to reduce emissions,” says Dr Matthew Brander, Lecturer at University of Edinburgh Business School and Project Manager for CITT.

The research project seeks to develop and implement a tool that will help construction companies identify and reduce carbon. It will pinpoint opportunities to reduce carbon through innovation and supply chain engagement. It will also enhance the amount of communication and dialogue across the supply chain.

“The tool will be integrated into current pricing processes and will allow us to have carbon and cost together. It will put the data in the hands of the right people at the right time in contractors’ processes which will allow them to make decisions to significantly reduce carbon. It will also push carbon further back towards the start of the design processes,” says Damien Canning, Head of Technical Sustainability at Costain Group and Industry Specialist for Carbon Management for CITT.

The project is running for three years and the research will focus on carbon accounting methodologies, stakeholder engagement and social barriers to tool adoption, collaborative frameworks for efficient supply chain management, and decision analytics for project design under uncertainty. As the research is undertaken it will feed back into the development of the tool.

There will be close collaboration between the researchers and the construction industry and live tests have been set up with real infrastructure projects. These will take place throughout the project.

“The way to really drive this is to develop something with as much input from the industry as possible. This will help to raise standards significantly, and ensure consistency across the industry,” says Damien Canning.

After the project is finished the open source tool will be publicly available and free to use, to enhance the possibility for it to be used by as many as possible.

“The key is to get the industry to use this tool. Therefore it has to be accessible and easy to understand. You can develop the best tool in the world but if the stakeholders don’t want to use it, it’s not going to have much impact,” says Dr Matthew Brander.

CCC and research The Construction Climate Challenge (CCC) is an initiative hosted by Volvo Construction Equipment to promote sustainability throughout the entire construction industry and provide funding for environmental research. Through supporting and initiating research projects in relevant areas of construction, CCC acts as a bridge between the industry and sustainability research. During spring 2016 CCC launched a new call for major research projects.

Two proposals were selected to receive funding. The Construction Climate Challenge is part of the Volvo CE commitment to WWF’s Climate Savers Program. Volvo Construction Equipment is a Corporate Advisory Board member of the World Green Building Council.

For further information please visit https://ift.tt/2f0YZa1 or contact [email protected]

9 Jan 2017 Population Growth Drives Housing Crisis

The UK’s dramatic population growth projection by the Office for National Statistics – 11 million more people by 2035, equivalent to 22 more Manchesters, mostly in England, already Europe’s most overcrowded country, will have damaging consequences for everyone (except the construction industry), a new Population Matters report on housing reveals:

Sustainable Architecture – Population Growth Drives Housing Crisis

5 Jan 2017

Climate Change Global Warming Research

Climate change: Fresh doubt over global warming ‘pause’

A controversial study that found there has been no slowdown in global warming has been supported by new research.

Many researchers had accepted that the rate of global warming had slowed in the first 15 years of this century, reports the BBC today.

But new analysis in the journal Science Advances replicates findings that scientists have underestimated ocean temperatures over the past two decades.

With the revised data the apparent pause in temperature rises between 1998 and 2014 disappears.

The idea of a pause had gained support in recent years with even the Intergovernmental Panel on Climate Change (IPCC) reporting in 2013 that the global surface temperature “has shown a much smaller increasing linear trend over the past 15 years than over the past 30 to 60 years”.

But that consensus was brought into question by a number of studies, of which a report by the the US National Oceanic and Atmospheric Administration (Noaa) published in Science last year was the most significant.

Researchers from Noaa suggested that the temperatures of the oceans were being consistently underestimated by the main global climate models. The authors showed that the ocean buoys used to measure sea temperatures tend to report slightly cooler temperatures than the older ship-based systems.

Climate Change Global Warming Research Report – BBC news link

Population Growth

Population growth increases damages to the environment and depletes natural resources. Therefore, human numbers should be reduced voluntarily to a sustainable level that enables an acceptable quality of life for all.

Population growth increases the number of wealthy carbon emitters and poorer climate change victims and hampers mitigation and adaptation efforts. In 2016, humanity used the sustainable resource output of 1.6 Earths.

Given that human activity already exceeds Earth’s capacity to support it, Population Matters argues that population stabilisation should be strived for without delay.

What can professionals in the AEC field do about this? Anyone involved in construction can help combat climate change by reducing energy and material usage but wihtout controlling population growth any impact will be limited. An overnight energy revolution might mean current population growth isn’t disastrous, but despite expanding alternative energ sources it doesn’t look likely at present.

Comments welcome at info(at)e-architect.com

20 Jun 2015

Climate Change

Earth ‘entering new extinction phase’

The new report – led by the universities of Stanford, Princeton and Berkeley – states that it is still possible to avoid a “dramatic decay of biodiversity” through intensive conservation, but that rapid action is needed.

Depressing news, but as architects we have a chance to make major impacts on preventing climate change. Can we better the insulation requirements asked for by new tougher Building Regulations? Did we check the plywood certificates to ensure the contractor sourced the material from sustainable forests? On refurbishments have we tried to re-use as much as possible rather than simply replace or build anew? Sometimes our little projects seem like drops in the ocean but what else can we do.

When I was at secondary school in the 1980s I read the Gaia book (by James Lovelock, published 1979) from cover to cover twice and realised as a teenager the number one problem was overpopulation (so much comes from it, deforestation to over consumption of materials and increased pollution) and architects can do little about that, or can we?

Home on the Pacific Coast of Costa Rica – light touch in nature, using timber, looks sustainable, is it truly? photo courtesy of architects

This is an architecture site so I won’t expand on this too much but improved education and health systems appear to improve country stability and typically a levelled off birth rate. Over the years we have actively promoted groups such as Article 25 and see it as our responsibility to not only remind readers of the positive work by built environment charities (and architects of say a clinic in Sudan) in improving people’s lives through ecologically-aware building but in the resulting iterations of community cohesion, population stabilisation and reducing negative impact on our planet.

Handmade bricks in Uganda, locally sourced materials saves on transport, thus pollution: photo © Article 25

More positively it was relieving to hear the Pope recently linking humans to climate change, hopefully this can help activate and energise some global communities to work to save the planet. The encyclical, named “Laudato Si (Be Praised), On the Care of Our Common Home”, aims to inspire everyone – not just Roman Catholics – to protect the Earth, reports the BBC.

The 192-page letter, which is the highest level teaching document a pope can issue, lays much of the blame for global warming on human activities. UN Secretary-General Ban Ki-moon welcomed the document, saying climate change was a “moral issue requiring respectful dialogue with all parts of society”.

“The Earth has entered a new period of extinction, a study by three US universities has concluded, and humans could be among the first casualties.

The report said vertebrates were disappearing at a rate 114 times faster than normal.

The findings echo those in a report published by Duke University last year. One of the new study’s authors said: “We are now entering the sixth great mass extinction event”.”

Climate Change Report – BBC news link

2 Dec 2012

Global Warming – Sustainable Architecture

Carbon Emissions Too High to Stop Climate Change

With global climate talks underway in Doha a new report shows emissions continue to grow.

It is increasingly unlikely that global warming will be kept below an increase of 2C (3.6F) above pre-industrial levels, a study suggests, reports the BBC.

Data shows that global CO2 emissions in 2012 hit 35.6bn tonnes, a 2.6% increase from 2011 and 58% above 1990 levels.

The researchers say that emissions are the largest contributor to future climate change and a strong indicator of potential future warming.

“We need a radical plan.”

The researchers’ paper says the average annual increases in global CO2 levels were 1.0% in the 1990s but 3.1% since 2000.

Recently, the World Meteorological Organization reported that greenhouse gases in the atmosphere hit a new record high in 2011.

Other potent greenhouse gases such as methane also recorded new highs, according to the WMO report.

Carbon Emissions News – external link to BBC report

photograph : Enrique Browne

So what can architects do to assist?

The RIBA Sustainability Hub includes sustainability information such as design strategies and case studies.

Sustainable design aims to reduce the adverse effect of human activities on our world, particularly climate change.

Our buildings and building operations are responsible for 45% of the carbon dioxide (greenhouse gas) emissions in the UK. Architects are a large part of the problem of tackling climate change, and consequently the solution – sustainable architecture.

Long Life, Loose Fit, Low Energy

30 Oct 2012

Sustainable Architecture Videos

Films about the Built Environment and the Climate

e-architect featured a series of eight videos from Green.TV about creating sustainable cities,

sadly they deleted the links since we posted this!

Interview with Daniel Libeskind, Architect How do you involve the local community when developing your architecture projects?

Interview with Richard Rosan, President of Urban Land Institute Why is capturing land value not more widely used as a way to finance infrastructure investments?

Interview with Pablo Vaggione, Lead author of the UN-Habitat Guide for city leaders What is the ideal density for a city to be sustainable?

Interview with David Cadman, President ICLEI How are climate issues linked to urban planning and sustainability?

Four Seasons Seychelles: image from architects

Sustainable Architecture – external link

Sustainable Design : article by Trevor Tucker. 15 Sep 2009

Sustainable Architecture : News

Example of sustainable architecture:

Panyaden School, Thailand 24H > architecture photo © Ally Taylor / Panyaden School Thailand School Building

Sustainable architects : Bill Dunster Architects / ZED Factory

Sustainable Building Design : article by Trevor Tucker. 18 Aug 2009

Sustainable Architecture : Brief informal discussion re some of the issues

Sustainable Architecture Archive

Sustainable Architecture : Lighthouse ‘Sust’ Programme

Sustainable Architecture Exhibition

Sustainable architects : Bennetts Associates

Sustainable Homes

Sustainable Housing : Slateford Green, Edinburgh – ‘car-free homes’

Sustainable house : Skye, Western Isles, Sctoland by rural design

Sustainable Architecture : Lotte Glob House

Sustainable Architecture : David Douglas Centre

Sustainable Architecture – Links

DTI Low Carbon Buildings Programme: www.lowcarbonbuildings.org.uk

Population Matters: https://ift.tt/37XNfPo – Population Growth Drives Housing Crisis

Greener Homes & Buildings: www.ghb.org.uk

Guidance on procuring higher recycled content in construction: www.wrap.org.uk

Forest Stewardship Council – FSC: www.fsc.org

BREEAM: www.breeam.org

Healthy Building Network: www.healthybuilding.net

Sustainable Build: www.sustainablebuild.co.uk

Comments / photos for the Sustainable Architecture page welcome

The post Sustainable Architecture: Climate Change appeared first on e-architect.

#e-architect

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advancetaxreliefexperts · 4 years

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HOW TO STOP WAGE GARNISHMENT - SETTLE BACK TAXES

Tax Consultation, Wage Garnishment

Getting into debt happens to the best of us. Sometimes, we find ourselves in financial situations that we, unfortunately, can’t get out of. A wage garnishment is when the court issues an order requiring your employer to withhold a certain amount of your paycheck because of a debt you owe. The collected amount is sent directly to the person or institution until your debt is paid in full. Before looking at how to stop wage garnishment, we’ll provide an overview for context.

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Types of Wage Garnishments In wage garnishment: This is when a creditor can legally require your employer to hand over a portion of your earnings in order to pay off debts.

In non wage garnishment: This is commonly known as a bank levy and is a process that involves creditors tapping into your bank account to attempt to collect on any debts you owe.

A garnishment generally happens when a creditor sues you for nonpayment of debt and wins the case in court. With that said, there are instances where a creditor can garnish wages without a court order. This can be seen in situations where you have a balance on a federal student loan, back taxes or if you owe money in child support.

How Much of Your Wages can be Garnished? The amount of wages that can be garnished will depend on the type of debt that you owe. Regardless, federal limits how much disposable income a creditor can take. To get a better idea, here is the percent of weekly disposable income that can be taken for 4 different types of debts.

Child Support and Alimony: Creditors are allowed to take 50% of your disposable income if you are supporting another child or spouse. If this is not the case, they can take up to 60%. In the event that you are more than 12 weeks late in payments, creditors can take an additional 5%.

Consumer Debts Including Credit Card, Medical Bills, and Personal Loans: Creditors can take either 25% of disposable income or the amount by which your weekly income exceeds 30 times the federal minimum wage (whichever is less).

Federal Student Loans: Creditors can take 15% of disposable income.

Taxes: Creditors can take up to 15%. However, the Internal Revenue Service will determine the amount taken based on standard deductions and the number of dependents you have.

So How Can You Stop Garnishment? It’s a lot easier to prevent wage garnishment than to stop it. Most creditors would much rather set up some sort of payment arrangement or settle the debt. However, if you are already facing garnishment, there are ways to stop it. Here are three general ways you can consider stopping your garnishments.

1. Negotiate With your Creditor Even if your creditor has put in a motion for wage garnishment, there’s still an opportunity to stop it. The first thing that individuals should consider doing is negotiating with their creditors. A simple negotiation can take you a long way and is going to be one of your best options to stop a garnishment.

In a negotiation, individuals should call their creditors and see if they can get them to agree to a repayment plan or to settle the debt for less than what they owe. Many creditors will be open to this because they want to recoup as much money as possible and should stop the garnishment from happening.

If a creditor does agree to a repayment plan or debt settlement, be sure to get it in writing before paying any money to them. This is because terms can change and if there’s an issue, it’ll be the creditor’s word against yours.

Additionally, it’s important to know what you can afford when negotiating a repayment plan. After all, you don’t want to fall back into the same situation. This means that you need to go over your income and expenses to figure out what you can actually afford.

2. Show That There is a Financial Hardship There is a way to challenge the garnishment if you can show that there will be a financial hardship as a result. If you’ve lost or got fired from a job, your work hours were cut drastically, you’re filing for Chapter 7 or 13 Bankruptcy or failing to pay basic expenses such as food, rent or utilities, you can state your case to the courts.

Creditors know that in these types of situations you are less likely to have the money to pay them anyway. It will be in their best interests anyway to let you get back on your feet and then come up with new terms to pay off the debt.

3. Consider Filing for Bankruptcy Bankruptcy should be the last resort for individuals in debt. However, sometimes it’s the only option available. Bankruptcy can give you a fresh start and stop your wages from being garnished. Individuals that are drowning in debt and struggle to pay basic living expenses may find that bankruptcy is the only option for them. This will stop your garnishment from happening and help you slowly get your finances together.

Every debt isn’t created equal. For this reason, we’re going to discuss what you can do to prevent garnishment for a particular type of debt that you owe.

Child Support and Alimony: If you owe in child support or alimony, you should consider working with the courts to develop an ideal payment plan before they garnish your wages. In the event that you owe in child support, individuals can seek child support modification if you are going through financial troubles.

Consumer Debts: To challenge your consumer debts such as a credit card or medical bill, you will need to fill out paperwork and potentially attend a hearing. The forms will outline details of your case and include pertinent financial information such as your monthly household income and living expenses.

Federal Student Loans: If you default on your student loans, you should be given a 30-day written notice. This means you have a 30-day window to make a written objection and request a hearing, modify student loan payment plan or request hardship assistance.

Taxes: Individuals who owe taxes should receive a written letter from the IRS letting you know that they intend to garnish your wages. If you owe for state taxes, you have the opportunity to contact your state’s franchise tax board to try and set up an alternate payment plan if a garnishment will result in financial hardship.

We know that garnishment can be a stressful experience. The good news is, there are various options available to you to help you stop a garnishment before it happens. At Advance Tax Relief, we are your trustworthy support system here to help you get out of debt fast. If you have questions about wage garnishment or want to learn more about how we can help you obtain debt relief, contact us today.

GET TAX RELIEF HELP TODAY

If you think that you may need help filing your 2018/2019 tax return and past due tax returns, you may want to partner with a reputable tax relief company who can help you get the max refund and reduce your chances for an IRS AUDIT.

Advance Tax Relief is headquartered in Houston, TX with a branch office in Los Angeles, CA. We help many individuals just like you solve a wide variety of IRS and State tax issues, including penalty waivers, wage garnishments, bank levy, tax audit representation, back tax return preparation, small business form 941 tax issues, the IRS Fresh Start Initiative, Offer In Compromise and much more. Our Top Tax Attorneys, Accountants and Tax Experts are standing by ready to help you resolve or settle your IRS back tax problems.

Advance Tax Relief is rated one of the best tax relief companies nationwide.

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fnewstoday · 5 years

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How To Choose The Best Online Lender And Get Fast Online Loans?

If you're too busy to look at how to choose online lender, this article is just the thing you need. Here we'll explain you what an online loan is and help you select the best option. Nowadays, you don't have to go to the bank to ask about personal credit. You can easily do it online at any time convenient for you.

How to apply for a personal credit online?

If you have a good income and don't have any debts and just want to go on a trip with your family or buy a car, feel free to ask how to choose the best online lender for a personal loan.

Why should you apply for fast online loans?

Sometimes, we just want to have some additional funds to live our life to the fullest. There are also cases when we need money to buy essentials. Thus, a personal loan can make your life much more flexible. Moreover, you can ask for a loan without leaving the house. Why not use this great option? After doing your own research or reading about how to choose the best online lender comparing personal credit rates, you'll realize that with the proper wage and rate, repaying your private loan can definitely be accessible, and simply managed online from your PC or mobile phone. Trip? New car? Graduation? Find out how much you can lend using our repayments calculator.

Reasons to ask for a loan online

Don't you have time to go to a bank ? It is no longer necessary. There's a global transformation in the way we do things from exchanging data to buying online. Banking is not an exception. Today, all of us can send money, pay for the public services, and ask for/process loans on the Internet. If you're using online services on a daily basis, then you already realize its advantages. It allows you to save time and money. Most of us can't imagine our life without the benefits of technology revolution.

borrowing-from-a-financial-establishment

What you should know when asking for a personal credit online

Credit history. Wait a minute! Have you examined your credit history? Is it ok? If you have any debts, the chance for a taking a loan reduce significantly here and. Credit report. If you do have a poor credit history, the good thing is that you can start afresh once in five years. That's quite enough for you to prove to the potential creditors that you deserve a loan.

Different between secured and unsecured credit

There are two main types of personal loan: secured and unsecured. Let's consider the differences between them and how to choose the best online lender: Secured credit: Do you want to repay your house or car? Regardless of your bail, you have to point out something of considerable value and have a regular income before applying for a secured credit. The advantages frequently outweigh an option of unsecured credit, solely on the ground of proving a lower rate of interest, which saves you a lot of money in the long term. Unsecured credit: Some people call it "trust loans." That's a trust agreement between a borrower and a creditor. Generally, in this case, you have to prove that you're able to pay off a loan, even if you can't grant bail. You should know that independent workers have to pay off a higher interest rate.

Does financial establishment mean a bank?

Yes, of course. However, when we refer to borrowing from a financial establishment, it doesn't include just a bank. You can take credits from other bank-like entities, such as credit cooperatives, P2P lenders, as well as quick cash and payday creditors.

Is it safe to resort to the bank alternatives?

The financial establishments we advise are universally recognized and famous creditors with a great reputation. Our staff never recommends the financial establishment that promise you too much and give you nothing instead. Bank-like institutions may provide quite low-interest rates, but they suggest high risks of fast online loans that not everyone can take. This is particularly true for quick cash and payday creditors. They are generally neither insured nor government-sponsored. This implies that if their establishment defaults, your funds will do the same. It may seem pretty obvious, though if you need to find out how to choose the best online lender to take money from bank-like institutions, we advise you to opt for the famous establishments, such as credible online creditors, bank entities, and credit unions.

Leading banks VS P2P

Sometimes known as peer to peer (P2P) lenders are a new bank-like institution for borrowing money for a vehicle, house, or travel. With leading financial structure, you generally confront with a lot of paperwork. If you choose P2P, you may not only obtain permission on the day of your application but even get the money you ask for the same day. Anyway, you'll get the necessary funds much quicker than if you go to the bank. Other distinctions include: Peer to peer creditors only provide unsecured credits Maximum credit amount is lower with P2P lenders than common creditors Peer to peer creditors offer shorter credit terms Peer to peer creditors provide better rates of interest for solvent borrowers.

Do you still have doubts on how to choose online lender?

To decide how to choose the best online lender we suggest you read feedbacks about different goods and services from real users who've had direct experiences in fast online loans with the type of creditors you're interested in. This is particularly true for P2P lending, which is an emerging concept in Australia. However, you shouldn't think that resorting to the bank alternative is defiance. That's quite normal!

How to choose the best online lender and the most suitable personal loan

If you have already done a research, you may have noticed there are lots of different options of loan. Our purpose is to put you on the right track. The choice of the loan depends on the thing you want to buy and your long-range plans. You should answer the following questions before making a choice how to choose the best online lender: What's the most suitable term for my income? That depends on what you want to invest your money in and how quickly you can repay the loan. Moreover, do you be to make enough money to meet your daily costs, and at the same time pay off the loan? Let us consider the following example: You want to take $10000 on a secured credit over three years with 9% interest. Your repayment is a bit more than $300 per month. This means that you will need about $300 per month in addition to gasoline, hypothec, childcare facilities, burses, food, entertainments, meeting friends at the bats, etc. If it's normal for you to pay an extra $300 every month in order to pay off credit of $10000, it's a win-win! Such a pile of cash is difficult to find: all you can do is to take a loan. If your credit history is good and you have a stable income, feel free to take a loan and live it large. The best thing is knowing that the overall interest rate (in our example) for three years will be less than $1500. If the luck is on your side, it's certainly an accessible situation. However, you should realize that over five years (despite that fact that your monthly repayments will reduce), the interest you pay in the end will increase. How to choose the best online lender and the proper term for you are based on the circumstances and entirely up to you, and what most closely resembles your needs. Take a look at our borrowing calculator to find out how much you can afford.

How to select the right type of interest rate?

Rate is not the only thing you should take into account. Low rates don't necessarily imply accessible monthly management costs. You have to be guided by other users' feedbacks on how to choose the best online lender, excellent repayment terms, and low management fees. In addition, you'll have to select between the fixed and variable loan. Let's consider each of them: Fixed personal credit. That's the best option! The interest rates are very low, and you'll have to pay off the same rate for the whole period of your private loan (which is up to five years). You'll be able to plan your budget month by month since you know exactly how much you need to save for you credit repayment. After all, with a fixed personal loan, the interest rate and the repayment term will always remain the same. Variable personal credit. In this case, your interest rate may increase or reduce depending the RBA cash rate throughout the period of your loan. This implies that for about five years (it depends on the duration of your credit), you'll have to repay much more or much less for your credit in comparison with the fixed loan option. Nevertheless, the features are better. You have an opportunity to see how to choose the best online lender to pay more toward your loan anytime, while with a fixed loan, you generally can't do it.

How-to-choose-the-best-online-lender

How to apply for fast online loans?

We have already told you about the flexibility of personal loan. It is possible to fill an application for a private loan 24/7 LOAN. You should definitely try it if you're too wrapped up to go to the bank, stand in line, mess with the documents, then go to another bank to compare the possible options, etc. Moreover, you'll have to wait for an easy approve online loans for almost two weeks! Another option is to save your precious time by filing an application online. You can make it in any place and at any time. A web-based application generally takes approximately half an hour (regardless of the type of financial establishment). You may get an easy approve online loans or have to wait up to 48 hours get an answer. It's a great option, isn't it? What to do before asking for a personal credit online: you have to be of age 18 must have a stable income or enough money to pay off a loan realize your costs and expenses, as well as repayment sums have a clear vision of which loan term is the best for you understand what kind of rate suits your budget electronic mail address driving license for ID verification pretax annual revenue amount of monthly costs asset information amount of existing debt

Find out how to choose online lender

How can I be sure that my private data is protected? That's a very good point. Every time you enter your private data like, you have to make sure you're visiting a safe and reliable page. To verify that, you can place a "padlock" on the top of your page. Another option is to ensure that the website starts with https:// Remember that "s" indicates "secure." When you ask how to choose online lender, the main point to pay attention to is security. If you can't see this letter or the padlock on the first page, then close the website and choose another financial establishment. This kind of confidential information is not for public knowledge: only for you and your creditor. Advice on how to choose the best online lender and get approval for an online loan If you don't have a stable/good income, you may not get easy to approve online loans. Additional impact factors will are as follows: dependent children, monthly costs, hypothec, or rent. Following are the factors you should take into account if you want to get a huge chunk of money for your private loan: Review your credit report. As we have mentioned, good credit history can take you a long way, particularly if you wish to apply for a personal credit online. If you want to see how things stand, you should visit the office of the Australian Information Commissioner. Make sure you have a positive credit rating. If you've found out that your credit rating is poor, you should try to improve it before applying for a private loan. Keep in mind that receiving a denial of a loan can reduce your chances of getting one in the future. Having an average rating may permit you to get a small sum. However, possessing an excellent credit rating will allow you to get the money you desire. Debt-to-income ratio. Present yourself honestly and tell your creditor how much you really earn. Being able to pay off your debt in comfortable conditions is the perfect approach when taking out a loan. Falsehoods about your salary can only put you in a bind and make you lose an excellent opportunity to borrow the funds you need. So, sincerity is the best option when solving the question how to choose the best online lender! In order to improve your credit rating, you should refuse from asking for a loan for up to half a year to prove that you deserve it. By showing that you're a credible borrower, who always makes payments timely. In this case, your credit rating will become much better. Read the full article

#BestOnlinePaydayLoans #Howtochoosethebestonlinelender #paydayloanlender #PaydayLoans

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rayshafazand · 4 years

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Sample Blog Layout

Successful restaurant owners and operators don’t just provide great food. For food service and hospitality in particular, an essential part of the guest experience is the interaction with employees.

The people piece of the puzzle can be challenging for restaurants. Because of the complicated nature of human resources (HR) and the sprawling regulations surrounding payroll, HR and payroll can be a recurring headache for restaurant owners and operators.

Finding the correct approach to your payroll and HR requires expertise and knowledge of a complex labor landscape. Unfortunately, even small mistakes in payroll and HR can be costly for business owners. Learning the basics of restaurant HR and payroll can help you prepare a plan that works for your business.

Human resources and payroll overview

The restaurant industry has some unique characteristics that make payroll and HR especially difficult, such as a high turnover rate, ever-shifting scheduling, and varying wage and tip income regulations. In addition, in the age of social media, your labor practices and HR policies are under closer scrutiny than ever by both your employees and the public. There are some general areas to focus on when starting to audit your human resources information systems (HRIS) and payroll systems.

Tailor your hiring and recruiting practices

The restaurant industry is known for a high turnover rate, and constantly replacing employees can add up to a large cost for your business. The first step in reducing high turnover is to examine your hiring and recruiting practices.

How are you communicating with your potential new hires? Do they understand the expectations for the role? Are you qualifying candidates with prescreening interviewees and interview templates?

There are many moving parts to hiring and recruiting. Depending on the structure of your restaurant, your HR department may not be physically located at the restaurant, adding another layer of coordination.

An HR software solution can help you ensure all parties are on the same page by tracking applicants throughout the recruiting and onboarding process. You can also rely on time-saving tools, such as multiple-site job postings and automatic alerts.

Design an employee onboarding process

One key to keeping employees is to create an efficient and thorough onboarding process. The faster your new hires are up to speed, the faster they can be engaged in your business and supporting your team. Cultivating a library of tools for your new hires, such as company handbooks, checklists, and training manuals, can help you start off on the right foot.

Because new employees come with lots of required paperwork, an HR solution can also help you onboard new employees faster. Electronic onboarding, as opposed to paper forms, can not only take the stress off your HR team, but it can also make it easier for your new hire. With online forms like W-4, I-9, and E-Verify integrated with your restaurant accounting software, your onboarding process can be more efficient and less prone to errors.

Create a safe and respectful workplace

Your employees rely on you to provide a safe working environment. As such, your restaurant business must have an HR plan in place to proactively address any harassment complaints. Teaching your policies, training your managers, and educating your employees about your code of conduct can help you respond quickly and transparently to any complaints that arise.

Know your payroll and benefit requirements

Restaurant payroll is particularly challenging because hospitality employees may receive different kinds of compensation. The Fair Labor Standards Act (FLSA) is national legislation that regulates wages and hours worked for employees. On top of federal legislation, many states and localities have their own labor regulations. As an employer, you are required to keep track of compliance and meet all obligations, otherwise you can be liable for back wages, additional taxes, and penalties.

Here are some specific areas of payroll that you should be paying close attention to:

Wage and Hour Laws

While the federal minimum wage has stayed the same for almost the past decade, many states and municipalities have passed higher minimum wage rates. Your locality, state, and federal payroll regulations may all have differing requirements. Laws can vary about tip income, minimum wage, multi-pay rates, overtime, multi-rate overtime, and multi-location rules.

For multi-location or multi-state companies, running payroll and documenting compliance can be especially difficult. Since payroll processing can draw from multiple systems, such as point of sale (POS), accounting, and scheduling, integrations between all of your restaurant management systems are key to meeting your reporting challenges.

Ideally, your payroll and HR software integrates with your restaurant management systems to automate this complex process, even if you have locations in multiple states and localities.

Payroll Best Practices

When it comes to labor, as an employer, not only are you required to comply with payroll regulations, but you must also document your compliance. You must track everything from overtime hours to shift changes and time off, to avoid costly noncompliance mistakes.

To correctly run payroll, accurate record keeping is a must. Today, there are restaurant payroll & HR software solutions to help with record keeping and compliance obligations. A restaurant-specific system with built-in integrations can help you track the data specifically required for restaurants, such as tip income reports.

Navigating Payroll Taxes

All employers are responsible for withholding employee income taxes and the employee share of social security and Medicare taxes, reporting this information to the IRS. However, calculating payroll taxes for an hourly back-of-house worker differs from tipped employees. Restaurant owners are also obligated to ensure tipped employees report all tip income, keeping the records and filing reports needed for appropriate tax withholding.

With the varying wage earners in a restaurant, restaurant payroll taxes can quickly get complicated. Integrated payroll, POS, and scheduling systems allow for streamlined restaurant reporting software capabilities and can help you meet your payroll tax reporting obligations.

Understanding Workers’ Compensation

Federal and state governments have Workers’ Compensation programs that provide compensation to employees injured on the job. State laws can vary, so it’s necessary to stay up to date so you are not found in violation of any rules.

There are many potential safety issues in restaurants, from kitchen injuries to sanitation problems. Because legal fees, penalties, and payouts can be quite steep, it pays for your HR department to be proactively prepared for possible workers’ compensation issues.

Meeting Affordable Care Act (ACA) Requirements

Under the ACA, employers are required to offer full-time employees compliant health coverage and also file information about this offer to the IRS. Reporting is required for employers with 50 or more full-time employees and self-insured employers of any size. ACA defines full-time employees as those who worked an average of 30 hours or more per week for more than 120 days a year.

This complex reporting requires a robust data-tracking system to keep up with shifting restaurant schedules. Many restaurants store data from HR, payroll, time and attendance, leaves of absence, and health benefits in separate systems. All of this data must be extracted, aggregated, and consolidated to accurately report to the IRS. A payroll and HR system that’s integrated with POS, scheduling, and your benefits administration tool can help you accurately extract and aggregate data for IRS reporting.

Filings and Paperwork

Payroll and HR compliance comes with lots of different paperwork to file and regulations to follow. Here are some of the most common forms and requirements:

1. Labor Law Posters

The US Department of Labor (DOL) requires that some notices of labor rights be posted in the employee workplace. Check the DOL workplace posters page to understand which posters you are required to display at your business.

2. 8027 Tip Reports

If your restaurant employs more than 10 tipped employees, you are required by the IRS to use Form 8027 to report tip income. In addition, as an employer you can use this form to determine allocated tips for tipped employees. Your restaurant payroll software will automatically track this information for easy IRS reporting.

3. OSHA Logs

The Occupational Safety and Health Administration (OSHA) law requires employers with more than 10 employees to keep an annual log of reportable work-related injuries and illnesses, called the OSHA 300 log. These reports include details about the incident, the employee, and any missed work. Some HRIS allow for this data to be tracked in the solution for easy reporting.

4. ServSafe Certifications

ServSafe is a safety training course specifically designed for the food industry, accredited by the American National Standards Institute (ANSI). Some municipalities or restaurants require this certification for their management or employee-level positions, because it verifies basic food safety knowledge.

5. Bartender Licensing

Some localities may require a bartending license or certificate to serve alcoholic beverages, although this requirement varies by state or municipality. This bartending licensure generally requires taking a licensing program that is approved by a regulatory board.

Conclusion

Restaurant HR and payroll can be complex, but with an understanding of the basic concepts, you are better equipped to meet any new challenges. Once you are able to set up thorough, functioning payroll and HR systems, you can spend more time focusing on what you need to: running your business. If you’d like to know more about solving the challenges of restaurant payroll, download the free guide, Ultimate Guide to Payroll for Restaurant Operators.

Restaurant365 incorporates Payroll + HR software, scheduling software, accounting software, restaurant inventory management software, and restaurant operations software into an all-in-one, cloud-based platform that’s fully integrated with your Point-of-Sale system, as well as to your food and beverage vendors, and bank.

The post Sample Blog Layout appeared first on Restaurant365.

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brajeshupadhyay · 4 years

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Unemployment Claims Rise as Rollout of $300 Benefit Lags

The job market shows signs of softening, even as a move by President Trump to replace lost unemployment benefits is struggling to get off the ground.

The Labor Department reported Thursday that new state unemployment claims jumped to 1.1 million last week, a sign that some employers continue to lay off workers in the face of the coronavirus pandemic while others remain reluctant to hire.

“It definitely suggests that momentum in the recovery is slowing,” said Scott Anderson, chief economist at Bank of the West. “The labor market is in the I.C.U., and it needs a shot of adrenaline in the form of federal aid.”

There are no signs that kind of boost is imminent, however. Nearly 30 million people are drawing unemployment pay in some form, but a $600 weekly supplement to state benefits — credited with keeping millions afloat — expired at the end of July. Democrats and Republicans have been at an impasse on a new round of aid, and no action is expected before September.

President Trump bypassed Capitol Hill this month to provide a $300 weekly supplement, drawn from federal disaster funds, to those receiving unemployment pay. But by Thursday, fewer than a quarter of the states had been approved for the program, and only Arizona had put it into action.

Florida, New York and Texas have held off on applying as they seek guidance on the program’s rules and mull the technological needs for processing payments. Even states that intend to take part, like Pennsylvania, have raised doubts about whether it is workable.

“The president’s convoluted, temporary, half-baked concept has left many states, including Pennsylvania, with more questions than a clear path forward,” said Penny Ickes, a spokeswoman for the Department of Labor and Industry in the state’s Democratic administration.

Mr. Trump’s executive action caps spending on the program at $44 billion, a figure that officials from the Federal Emergency Management Agency and the Labor Department said Thursday should be enough to last four to five weeks. The funds are intended to be retroactive to Aug. 1, so recipients might be paid only through early September.

The previous $600 weekly benefit, in place for four months, contributed $70 billion a month to the economy, or nearly 5 percent of total household income.

“That’s a pretty substantial chunk of gross domestic product,” said Gus Faucher, chief economist at the PNC Financial Services Group. “And the households that get it are in a precarious position and pretty much spend all of it. I’m concerned the expiration of benefits will weigh on the economy in the second half of the year.”

Millions of unemployment recipients are already feeling the loss.

“That extra $600 is what’s been keeping us alive,” said David Leske, a lighting and sound technician in Ridgway, Pa. Without it, he and his wife have been forced to dip into their savings account. “It’s scary,” he said.

This should be a time of keen anticipation for Mr. Leske. He works in local schools to make plays, assemblies and other shows come to life.

But a few weeks before the school year is to begin, the pandemic is still preventing large indoor gatherings. In some cases, schools are sticking to online instruction.

“Our local district has no intention of doing school plays,” Mr. Leske said. “The high school auditorium is now a storage area.”

Mr. Leske, 52, said that work began to dry up in March and that the Pandemic Unemployment Assistance program — an emergency federal program for freelancers and others not eligible for state benefits — had been crucial in keeping him afloat, especially with the $600 weekly federal supplement.

He expects to be out of work through September 2021 as schools hold off on plays and assemblies. But Pandemic Unemployment Assistance expires at the end of this year.

While longer-term federal relief is in unresolved, FEMA has approved Arizona, Colorado, Idaho, Iowa, Louisiana, Maryland, Missouri, Montana, New Mexico, Oklahoma and Utah for access to three weeks of funds for the $300 supplement. Officials from FEMA and the Labor Department said on a conference call with reporters on Thursday that FEMA had approved $2.4 billion in grants so far and that an additional eight states had applied for funds.

Arizona was the first state to make the so-called lost wages payments, sending $96 million to 320,000 people on Monday and Tuesday. But the timeline for payments “will be all over the map,” potentially taking several weeks, said John Pallasch, the assistant secretary for employment and training at the Labor Department.

The challenges include reprogramming antiquated state computer systems to handle the new benefit — a factor that caused weeks of delays with the $600 supplement — and dealing with an additional federal agency, FEMA.

“We have to build a whole new subset system with new rules and new reporting requirements with a department that we’re not really familiar with,” said Bill McCamley, the secretary of the New Mexico Department of Workforce Solutions. “We want to dot all of our i’s and cross all our t’s.”

In a call with reporters on Wednesday, Gov. Andrew M. Cuomo of New York expressed concern about the legality of Mr. Trump’s executive action and said that “if the states need to reinvent their unemployment insurance administration program, it will be weeks or months before anyone gets a check.”

“I’d rather do business with the old-time bookie on the street corner than do business with FEMA,” Mr. Cuomo added.

Mr. Trump’s resort to federal disaster funds for the supplement followed the breakdown on a congressional aid package that would appropriate new funds. Democrats want to reinstitute the $600 weekly supplement; Republicans have called for a lesser amount, saying anything more would dissuade the unemployed from seeking work.

As the stalemate continues, the latest jobless claims numbers cast a further pall. The rise in new state filings last week, from 971,000, followed two weeks of declines that had brought applications for unemployment insurance to under one million for the first time since the pandemic struck.

There were 543,000 new claims last week for Pandemic Unemployment Assistance. That number, unlike the figures for state claims, is not seasonally adjusted.

Despite the discouraging report on jobless claims, Mr. Faucher of PNC Financial pointed to pockets of strength.

“We see continued improvement, with housing starts increasing, consumer spending increasing and industrial production increasing,” he said. “But the pace of improvement is slowing.”

As the pandemic continues to buffet the economy, some workers have been able to find new positions, but not without considerable personal sacrifice.

After spending up to six hours a day submitting more than 600 applications since being furloughed this spring and then laid off in late July, Sonia Vance, 42, finally landed a new job.

In a few weeks, she starts as an eyewear consultant in California, Md., earning $16 an hour. The position pays far less than the dream job she had before — a $48,000-a-year human resources role at a staffing company — but it comes with health insurance.

The cushion is comforting, because Ms. Vance must now go to work each day in an office, despite health issues that she fears could complicate a recovery if she catches the coronavirus.

Reflecting the experience of millions whose careers evaporated in the pandemic, Ms. Vance said the past few months had been “heartbreaking and very emotional.”

This week, she moved from Maryville, Tenn., and will stay temporarily with a friend. She is finishing up bankruptcy paperwork and expects to lose her mobile home.

“You do feel relief that you have a job, but there’s also a sense of shame and embarrassment,” Ms. Vance said. “You’re out there doing everything you can to be a good member of society and to take care of your own, but it just takes a few months to wipe out all of your hard work.”

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4pillarshalifax · 5 years

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Retirement / Fixed Income – Case Study

Case Study – Heading into Retirement with Debt on Fixed Income

Intro

Regardless of what age you’re hoping to retire, many Canadians are entering their golden years with higher levels of debt. The percentage of senior families still carrying debt jumped from 27% in 1999 to 42% in 2016. As you move to a fixed income, it gets even harder to get ahead. This case study will examine a couple who retired with $34,000 of consumer debt but were able to file a consumer proposal to bring it down to $10,200 without sacrificing their assets.

Background

When the couple retired in 2010, they had a relatively small amount of consumer debt on their individual credit cards. Together it totalled approximately $10,000. However, the couple were surprised by an unexpected home repair bill shortly after leaving the workforce. They ended up getting a line of credit for the repairs. Unfortunately, the repairs were higher than originally estimated and so they ended up with a balance of $24,000 on their line of credit. When they were still working, they would often work extra hours to pay for unplanned expenses like this. Now on a fixed income, it became hard to make payments towards the line of credit as well as their two credit cards. At the time they reached out to 4 Pillars, they were considering having to return to work. Obviously not ideal!

Our Plan

When the couple came to our office, one of their main priorities was being able to keep their home. They had some equity in the home, but not enough to qualify for refinancing to cover the debt. The couple thought their only option was bankruptcy. However, if they were to file bankruptcy they would end up having to “buy-back” this equity, making their monthly payments far more than they could afford. Instead we discussed the option of them filing a consumer proposal – this would protect their assets while still allowing them to tackle their debt. It took several weeks of collecting and reviewing paperwork, working with a Trustee to file and administer the proposal, and awaiting creditor votes, but we were able to structure a proposal that reduced their debt and brought their monthly payments down to a single payment of $170/month. They had been paying over $300 just in minimum payments before filing! Now instead of continuing to grow the debt with interest, they’re entire payment goes towards the principal.

Results

By avoiding bankruptcy, the couple was able to keep their home and other assets. Instead of endlessly making minimum payments, they were able to pay off their debt in less than 5 years. The extra $130/month they saved in monthly payments was put into an emergency fund so they could be prepared for any other unexpected expenses. Once their proposal is paid off, the couple plans to use the extra cash flow to pay off their mortgage faster, getting them closer to being truly debt-free in their retirement. Additionally, the couple was able to purchase adequate life insurance to ensure that none of their children would be left with the financial burden often experienced when someone passes.

Conclusion

The last thing you want to worry about in retirement is paying off debt. Doing so on a fixed income can become quite difficult and leaves little room for unplanned expenses. No matter what age you plan to retire, it’s critical to eliminate as much debt as possible before that day comes. If you’re looking for a way to deal with debt, reach out to 4 Pillars Halifax. We’ll come up with a plan to get you out of debt that accounts for your goals and the things that are important to you.

This article was written by David Moffatt. A Senior Debt Relief Specialist with 4 Pillars Halifax. 4 Pillars has assisted in creating plans that have helped save Canadians over $1 Billion dollars of consumer and tax debt since 2002. We believe that no consumer should have to struggle with the stress of overwhelming debt. Our debt restructuring plans can help you cut your debt by up to 80% with less than 3% of our clients ever getting into deep financial difficulties again. If you are struggling with debt please reach out. It hurts to continue to suffer financially.

4 Pillars Halifax services Halifax, Dartmouth, Bedford, Sackville and the entirety of HRM.

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source https://www.halifaxdebtfreedom.ca/retirement-fixed-income-case-study/

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holmquistewduckettwq53insur-blog · 5 years

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How much does it cost to see a doctor in florida without insurance?

I ve run out of birth control and I need to get more for the rest of my visit here. How much would it cost to see a doctor in Coral Springs Florida to do this? Also, the brand I m taking is called Lolo/loloestrogen is this a canadian brand?

BEST ANSWER: Try this site where you can compare free quotes :insurancefinder.xyz

SOURCES:

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ajp3mbgk-blog · 5 years

Text

Insurance and driving records?

Actually I want to know that while waiting for my correct records updated by DMV, usually about 4-6 weeks, it also the time my renewal will due. Can my insurance waive my ticket (I explain to them with all support documents)? Also my record is just one point in last 20 years. Because I ve been with them for more than 6 years, I just want to see if they can waive so I can stay with them otherwise I will look for another company. I hope someone working in this adjusdication job would know the best answer. Thank you all.

BEST ANSWER: Try this site where you can compare free quotes :COVERAGE-FINDER.NET

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