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How to Get Bad Credit Loans with Guaranteed Approval?

How to Get Bad Credit Loans with Guaranteed Approval?

Are you have a poor credit score, and as a result you are hesitant to apply for a loan? It’s always best to be prepared as well as have the capacity to negotiate to be able to meet the requirements. Check your credit report and available assets that can be used to repay the loan. Look for deals that are most suitable for you and provide the best conditions few simple steps.

Access your credit report

There is always room for improvement but we need to do some extra preparation. So, look over the details of your credit report and check for areas that you could improve. Check for any errors and fix these. So, you can get low-interest rates.

In many cases, your credit history is the most important factor when receiving a loan. Based on your credit background, the lender can determine whether the borrower will have enough funds to pay back this loan in full or not. It is advised to examine your credit report at least three months prior to the date you apply for a loan.

Set a goal and plan well

Determine the amount you’ll have to borrow. Then, you should create an outline of how you will make all installments on time. Plan your budget and this includes all expenditures, savings, and debt payments. All of these contribute to the repayment of your loan.

Calculate how much you can save in order to repay a loan. then close the loan, and do it all on time. Keep in mind that long-term personal loans to those with poor credit will have more interest.

Check the rate of interest

Pay attention and be aware whenever you look up interest rates. Some companies might grab your attention through advertisements of low-interest rates, however, the truth could be completely different. Be cautious when you take in these ads. Also, be sure to read these terms of service lenders have set because of the often they refer to the interest rates they charge.

Beware of scams

Don’t be fooled by their claims! If you’re unfamiliar with this process, it will be simpler to set it up. Be aware of this that reputable and trustworthy lenders will be looking at your credit history and payment history. If they don’t inquire about the matter, don’t be able to trust them completely. If they’re a fraud lender, they’ll keep calling you on a regular basis. Therefore, be careful!

Make your payments smart

It is your obligation and obligation to make payments in time. This way, you’ll avoid any charges, penalties, or negative marks in the credit report, as well. If you incur additional charges that are not covered by the loan, its actual cost will increase, meaning the rates of interest you’ll pay will be higher.

Underwater tsunamis created by calving glaciers cause vigorous ocean mixing


Scientists from a research vessel in Antarctica observed the disintegration of a glacier’s front and their measurements “exceeded the scale”.

In addition to witnessing disturbances on the surface of the ocean, they recorded “internal” underwater tsunamis as high as a house, a phenomenon hitherto ignored in understanding ocean mixing and in computer models.

The team, led by researchers from the British Antarctic Survey (BAS), report their findings today in the journal Science Advances.

Internal tsunamis are an important factor in ocean mixing, which affects life in the ocean, temperatures at different depths, and the amount of ice the ocean can melt.

Ice in Antarctica flows towards the coast along glacier-filled valleys.

While some of the ice melts into the ocean, much breaks up into icebergs, which range in size from small chunks to the size of a country.

A team aboard the BAS RRS research vessel James Clark Ross was taking ocean measurements near William Glacier on the Antarctic Peninsula as the front of it disintegrated dramatically into thousands of small pieces.

William Glacier typically has one or two major calving events a year, and the team estimated that this broke off around 78,000 square meters of ice – around the area of ​​10 football pitches – with the front of the glacier rising 40 m above sea level.

Before it broke away, the water temperature was cooler at around 50-100m depth and warmer below.

After calving this changed drastically, with a much more even temperature at different depths.

The study’s lead author, Professor Michael Meredith, Polar Oceans Team Leader at BAS, said: “It was remarkable to see, and we were lucky to be in the right place in the right place. moment.

“Many glaciers end in the sea and their ends regularly split into icebergs.

“It can cause big waves on the surface, but now we know it also creates waves inside the ocean.

“When they break, these internal waves cause the sea to mix, which affects the life in the sea, its heat at different depths, and the amount of ice it can melt.

“It is important for us to better understand.

“The mixing of the oceans influences the location of nutrients in the water and this matters for ecosystems and biodiversity.

“We thought we knew what was causing this mixing – in the summer we thought it was mainly wind and tides, but it never occurred to us that iceberg calving could cause internal tsunamis that would mix things up so substantially.”

Professor James Scourse, head of the Department of Earth and Environmental Sciences at the University of Exeter, was the lead science officer for RRS James Clark Ross at the time of the calving event, which was captured by a Sky News crew on board at the time. .

Two other Exeter scientists played central roles in interpreting the data captured, Dr Katy Sheen and PhD student Tobias Ehmen from the Center for Geography and Environmental Science on the Penryn Campus.

“Often the most important and exciting discoveries in science happen by chance – you’re in the right place at the right time with the right instruments and the right people – and because you know it’s important, you just make sure you’re there. ‘adjust the work plan to make the most of what nature has given you,’ said Professor Scourse.

“We did this in Börgen Bay in January 2020 and as a result produced the first data on a process that has implications for how fast the ocean is able to melt ice sheets. This has implications for all of us.

Unlike waves caused by wind and tides, tsunamis are caused by geophysical events where water is suddenly displaced, such as by an earthquake or landslide.

Internal tsunamis have been noticed in a handful of locations, caused by landslides.

Until now, no one had noticed that they were happening around Antarctica, probably all the time because of the thousands of glaciers calving there.

Other places with glaciers are likely also affected, including Greenland and elsewhere in the Arctic.

This serendipitous observation and understanding is important because glaciers are set to retreat and calve more as global warming continues.

This could likely increase the number of internal tsunamis created and the mixing they cause.

This process is not accounted for in current computer models that allow us to predict what might happen around Antarctica.

This discovery changes our understanding of how the ocean around Antarctica is mixed and will improve knowledge of what this means for climate, ecosystem and sea level rise.

Professor Meredith said: “Our fortuitous timing shows how much we need to learn more about these remote environments and their importance to our planet.”

The James Clark Ross RRS research cruise was part of the ICEBERGS project and was funded by the Natural Environment Research Council.

Santa Camp is back and it’s bigger and more festive than ever


It’s officially time for the happiest holiday bar experience this side of the North Pole. Santa’s Camp is back. And this year, Santa Claus is bringing all of his twinkling lights and elven magic to not just one, but ALL THREE Camp Bar locations, ensuring more people have access to a giant dose of holiday cheer.

That means you can gather under festive lights, sing along to holiday tunes, and enjoy holiday-inspired libations at Camp Bar Shorewood, 4044 N. Oakland Ave.; Camp Bar Tosa, 6600 W. North Ave.; and Camp Bar Third Ward, 525 E. Menomonee St.

As for those holiday spirits, all the usual Santa Camp festive themed cocktails are back, from the Angry Elf and Naughtier Spice to Gin & Tidings and Santa Panties.

And – thanks to the fixing of supply chain issues in Ice Cream Land – there will also once again be deliciously refreshing frozen drinks, including The Grinch, White Christmas and Reindeer Games.


But that’s not all. This year, Santa Camp will be the hub of a series of festive events – from a family pre-holiday party in Caroloke, Christmas movie trivia and an Ugly Sweater party – that will take you all the way through the holiday season.

Bring the kids to this family-friendly celebration, which offers plenty of opportunities to create treasured holiday memories.

holiday bearX

Countdown to Christmas takes place Nov. 27 from noon to 4 p.m. at Camp Bar Tosa (and Birch, the adjoining event space).

During the event, families can get in the mood by enjoying the Camp Bar’s festive decorations, listening to holiday tunes and participating in family activities including DIY ornaments and reindeer hats . Black Twig Bakery will also be selling holiday treats onsite, including gingerbread house kits.

Customers are encouraged to come dressed in their holiday clothes to take advantage of the on-site photo booth, as well as the opportunity to take family portraits with Santa.

Santa's MailboxX

For the second year in a row, there will also be a special red mailbox where children can drop off their pre-written letters to Santa Claus, which will be delivered directly to the North Pole. To enter, simply download a hard copy of the sample letter (for a $10 fee), fill it out, and bring it to Countdown to Christmas.

Every child who sends a letter to Santa will receive a personalized Nice List certificate as well as a letter (festooned in glittering snow from the North Pole) from Santa himself.

It’s a magical experience that’s sure to provide you with treasured vacation memories for years to come. Additionally, $1 from each letter submitted will be donated to the Make A Wish Foundation.

The party, however, does not end there. In fact, there’s something for everyone this holiday season, from crooners and singers to movie buffs and people with terrible taste in sweaters.

December 7: Caroloke
If you live for when radio stations switch to holiday music just so you can sing along to your favorite holiday tunes while driving, you’re going to want to partake in Camp Bar’s Caroloke Night, a karaoke-style party sing-along that has held at Camp Bar in Tosa and Shorewood on December 7 starting at 8 p.m.

Whether you live for the chance to make your best Lizzo impression or cook up a multi-faceted holiday number to play with your best friends, you’re sure to find yourself tinkling all the way home.

christmas bearX

December 14: Quiz on the Christmas movie
Then again, maybe your talents lie in identifying all the character names from “Home Alone,” remembering crazy scenes from “Elf,” or reciting lines from nearly every holiday movie ever made.

In this case, you’ll want to mark December 14 on your calendar. Starting at 8 p.m. (at both the Tosa and Shorewood locations), Quizmaster Trivia will test the limits of your knowledge with an additional round of Christmas movie trivia games.

December 21: Ultimate Ugly Sweater Party
Prefer to see if you can outperform your fellow campers? Get out your ugliest party outfit and head to Camp Bar’s Ultimate Ugly Sweater Parties before the holidays.

The festivities will take place on December 21 starting at 8 p.m. at all three Camp Bar locations. But you better start planning now. After all, there will be prizes for the ugliest outfit as well as a prize for the fan-favorite ugly sweater.

Climate change: the hidden threat to glaciers


Glaciers are one of the most visible symbols of climate change, and they are also one of the most important. As the Earth’s climate changes, glaciers are melting at an alarming rate. It has a significant impact on our planet, and it’s something we need to pay attention to. In this article, we’ll take a closer look at the effects of climate change on glaciers and what we can do to prevent further damage.

Glaciers are large masses of ice, formed when snow accumulates over time and is compressed. They are found all over the world, in cold and temperate regions. And although they may appear calm and peaceful from afar, glaciers are actually in a constant state of flux. As the Earth’s climate changes, glaciers are affected in many ways. Some glaciers will grow as snow falls on them and they freeze. But others will shrink as the temperature rises and the ice melts. This can have a huge impact on the surrounding environment, as well as local communities that depend on glaciers for their water supply.

How are glaciers affected by climate change?

When most people think of climate change, they think of things like hotter summers and more powerful storms. But one of the biggest impacts of climate change is happening far from us, in the form of melting glaciers. Glaciers are beautiful, but they are also incredibly important. They play a role in our water supply, regulating the Earth’s climate and stabilizing our planet’s ecosystems. And as global temperatures continue to rise, glaciers are melting at an alarming rate. This meltdown has consequences.

For starters, it raises sea levels, which could have a devastating impact on coastal communities. It also puts pressure on water supplies and threatens the habitats of many species that depend on glaciers for their survival. We must do all we can to reduce our emissions and slow the effects of climate change. The fate of the glaciers may seem far away, but their disappearance will have a profound impact on us all.

The impact of melting glaciers on sea level rise

Glaciers play an important role in global climate and their disappearance could have a significant impact on sea levels. When glaciers melt, they contribute to sea level rise. Glacier melting has been a big factor in the current rate of sea level rise. And it’s not just glacier melting who is behind this increase; thermal expansion of the oceans – the expansion of water as it warms – also contributes to the problem.

What does this mean for coastal communities? This means flooding and erosion will become more common and low lying areas will become increasingly vulnerable to damage. In addition, salt water intrusion will cause problems for local water supply and infrastructure. All of these effects could have a devastating impact on coastal areas and their inhabitants. When glaciers melt, they release water into the ocean, causing the ocean level to rise. This happens because when water is heated, it expands. So while warmer ocean water tries to take up more space, the extra space has to come from somewhere – and that place is usually land.

As the ocean level rises, it decreases the amount of space between water and land. This creates problems for humans and animals that live near the coasts, as it can lead to flooding and erosion. Additionally, when glaciers melt, they also release pollutants and greenhouse gases into the atmosphere. These pollutants and greenhouse gases can contribute to climate change, which can then cause further melting of glaciers. So it’s a vicious circle.

You might be wondering what all of this has to do with animals. Well, melting glaciers can have quite a big impact on animals. One way to do this is to affect the food supply. For example, melting glaciers can cause changes in ocean currents, which can disrupt fish migration patterns. This, in turn, can lead to a decrease in the food supply of animals that depend on fish for their livelihood. Additionally, melting glaciers can also cause flooding, which can displace animals from their natural habitats. This can lead to declining population sizes and even extinction. So, as you can see, the effects of climate change on glaciers can have quite dire consequences for animals.

How you can help reduce the impact of climate change on glaciers
You may be wondering what you can do to help reduce the impact of climate change on glaciers.
Here are some actions you can take:
– Educate yourself and others about the issue and its impacts
– Support climate change mitigation efforts
– Advocate for policies that help reduce greenhouse gas emissions
– Reduce your own carbon footprint

By taking action and doing your part, you can help make a difference in the fight against climate change and its impact on glaciers. The impact of climate change on glaciers is obvious. As the earth’s temperature rises, glaciers are melting at an alarming rate. This threatens the environment and the creatures that inhabit it. We must take steps to prevent further damage. We can start by reducing our dependence on fossil fuels, which release harmful emissions into the atmosphere. We can also support organizations that work to protect our planet. Take action today to help reduce the impact of climate change on glaciers. Every small gesture counts.

Fundraising initiative aims to help Texas warehouse worker and his mother


Christian Willis asks for help to reach his $1,500 goal and avoid homelessness

Map, TX – After a dispute with a neighbor caused them to leave their apartment a year ago, Christian Willis and his mother moved into a budget hotel, Comfort Inn & Suites, in April 2021, with the intention of finding a new home quickly. Due to a combination of rising costs, poor credit scores, a lack of stable income and dwindling savings, Christian and his mother are still living in hotels and struggling to get into an apartment. room.

Christian, who is often the sole breadwinner for his family, is now employed in a warehouse. Like many Americans, he’s grateful to work, but still can’t make ends meet. With his paycheck — about $500 a week — he’s able to pay hotel bills ($400-$430 a week) and stretch the rest to pay for groceries and transportation to and from work. . This leaves almost nothing and prevents him from finding an apartment.

Earlier in the year, he managed to buy a few simple pieces of equipment, like an air fryer and a mini-fridge, so he could cook food in the hotel room rather than always ordering from DoorDash due to the lack of kitchen. But in several cases, Christian had to use either cash advance apps like Earnin to borrow extra money, or pay-later apps like Zip to split his hotel expenses into smaller billing amounts. At first, these methods allowed her to avoid traditional payday loans and bought time for her mother to land a job that would temporarily help her pay hotel bills. However, after hotel rates rose and the owner of the Comfort Inn abruptly closed the property in June 2022, Christian and his mother hastily moved to the Red Roof Inn.

A month later, the family’s belongings were about to be auctioned off due to unpaid rent on a public warehouse. To end it, Christian had to urgently take out a personal loan with an expensive APR. Now, after payday loans take their deductions, Christian and his mother struggle to afford the hotel room as well as expensive carpool fares just to get to work every day. Despite the long walking distance, everyone tries to take the bus or train whenever they can. Nonetheless, Christian faces a weekly battle to settle his bills and ensure they aren’t kicked out of the hotel.

Knowing that this life situation is unsustainable given their meager resources and heavy reliance on payday loans to get by, Christian had decided to reach out to charities willing to help. He created a GoFundMe page in March and his goal is now to raise $1,500. These funds will allow him to rent a one-room apartment and get a cheap electric car or scooter that will ease the difficulty of getting to and from work.

With costs rising due to inflation and supply chain issues since the pandemic, Christian understands that times are tough everywhere. Although he hoped he wouldn’t have to rely on strangers’ charity, the GoFundMe is really a last resort to help him and his mother get back to a real home in an affordable apartment. However, despite including photos and videos on his social media pages documenting his situation, he has often faced backlash for promoting his fundraiser. People were quick to scold him without first fully understanding his story and his struggles.

Because of this hurdle and bashing, Christian has now set up a new, separate crowdfunding campaign on Fundly. This campaign aims to receive support through donations that will help alleviate one’s loan debt while attempting to seek financial relief through a consolidation service. Additionally, in an effort to use all the resources at his disposal and give back in any way possible, he also promotes a number of online fundraising stores that contain freebies that people might be interested in buying for the holidays. A portion of each order will go toward their fundraising goal.

Even in the face of these trials, Christian strives to remain optimistic. He says, “I still believe in destiny and purpose, and I don’t give up on finding a sense of fulfillment. I have high hopes and dreams for independence and a new career so I can pursue a better future. I also think everyone should get a second chance if they are so determined to find that light at the end of the tunnel and overcome the obstacles that block their path to success.

For more direct from Christian, watch this video. For additional updates on his story, connect with him at facebook.com/ChristiansHotelFundraiser or instagram.com/hotelfundraiser. You can help Christian and his mother by making a donation on their GoFundMe Where Fundamentally page. Alternatively, those who prefer to show their support by purchasing fundraising items can make a contribution through one of the online gift shops featured on its Page. Donations made through either crowdfunding site will be immediately available to Christian.

Media Contact
Company Name: Fundraising for the hotel
Contact person: Christian Willis
E-mail: Send an email
Call: 479-345-1400
Country: United States
Website: www.hotelsfundraiser.com

Why Shackleton fever is rekindling interest in Antarctica – Scotland on Sunday Travel


As the polar season is in full swing, the famous explorer’s granddaughter talks about the future of polar travel.

Gentoo penguins in Antarctica. Photo: PA Photo/Alamy.

Considered one of Britain’s greatest explorers, Ernest Shackleton inspired millions to visit Antarctica and South Georgia Island. Famously, one of his own expeditions ended in disaster when his ship, the Endurance, was stuck in the ice. For nearly two years, the charismatic leader and his men were stranded, remarkably survived, and finally returned to safety.

Earlier this year, Shackleton’s ship was finally discovered as part of an expedition launched the centenary year of his death.

Ahead of her own lecture trip to the frigid South, her closest relative, Alexandra Shackleton, shares her thoughts on her grandfather’s discovery and legacy, which inspired so many from different walks of life.

Endurance crushed by ice in 2015. Credit: PA Photo/Frank Hurley/Alamy.

How did you feel when Endurance was discovered?

“I was delighted. It was the second attempt to find it, as they tried and failed a year or two ago. It is 3,000 meters deep in the Weddell Sea, which is mostly covered with ice. The last time they tried, they lost six million pounds worth of equipment in Antarctica. I never thought they would, but they did, and the pictures were so beautiful.

“All my life I thought they’d find a pile of wood, but because the seabed is flat where it sits and the ice has preserved it, it’s in great shape. Another reason it looks so spotless is because there’s a jellyfish that eats algae – you could call it a house jellyfish that cleans the ship.

Alexandra Shackleton. Photo: PA Photo/Polar Latitudes.

“Actually, she belongs to me. She was initially insured for £15,000, so when she suddenly sank she went to the [insurance] companies. They had no interest. So it now belongs to me and my first cousin. It is also protected by the Antarctic Treaty.

Were you nervous when they announced that the coordinates of the ship’s location had been made public?

“No, because she is protected. She is so deep. We no longer go up wrecks these days, we observe them. And no one goes that far in the Weddell Sea because you’d be stuck in the ice. They managed to find it because it was a good ice year and they were very lucky. Luck is very important in Antarctica.

“No one can approach her because of the Antarctic Treaty. She should be left as she has been for over a century. Besides, she is mine.

Tourists on the Antarctic Peninsula. Photo: PA Photo/Alamy.

If not, how did you commemorate the centenary of your grandfather’s death?

“I made a film in Ireland about the hut where he died. A replica of this cabin will be part of the world’s first dedicated Shackleton Polar Museum at the Athy Heritage Centre. A replica boat will also be present. It will open in 2023.”

“It was the way he treated his men. Expedition leaders of 100 years ago generally did not know their men. But when his team spent months on the ice, he personally decided who was going to be in which tent. He balanced the personalities because he knew them.

Shackleton’s Nimrod Hut at Cape Royds Ross Island. Photo: PA Photo/Alamy.

“He was very, very romantic, but incredibly practical and very pragmatic. He made his men believe that not only were they expected to be loyal to him, but that he would be loyal to them.

What are your lasting memories of Antarctica?

“It’s a wonderful place that deserves to be preserved. I’m the only person in the world who doesn’t take pictures. When you sail in a Zodiac among these incredible brilliant blue icebergs, everyone’s eyes are in the sights. I look at the landscape, I take advantage of it.

“When I went there the very first time, I saw places my grandfather would have seen. It sounds like a cliche, but it made me feel a little closer to him. I walked into it alone. his hut and there was a smell of wood and leather. There was a pile of his socks; it was as if he had just come out. I felt a huge wave of sadness for not having known him.

Alexandra Shackleton will join a 22-day trip with Polar Latitudes to Antarctica, the Falklands and South Georgia, departing from Ushuaia in Argentina on December 22, 2022. Prices from $18,126 / £15,415 pp in triple share, excluding flights. Go to polar-latitudes.com.

Shackleton and his men on a British Imperial Antarctic Expedition in January 1909. Photo: PA Photo/Eric Marshall/Alamy.
Shackleton’s grave in South Georgia. Photo: PA Photo/Alamy.

A breakdown of holiday events starting this weekend in Chicago, from ice skating to the tree-lighting parade – NBC Chicago


From the outdoor conditions to the many holiday-themed events taking place across the city, winter festivities are in full swing in Chicago.

Friday marked the start of many of the city’s holiday events with the 109th annual Christmas tree lighting, which took place in Millennium Park.

Winterland inside Gallagher Way also kicked off on Friday, this year with the opportunity to ice skate inside Wrigley Field, with many other events throughout the iconic stadium to get Chicagoans in the spirit. festivals.

Here’s a look at the main holiday events that started this weekend in Chicago:

Chicago Christmas Markets

A Nutcracker statue is displayed at the entrance to the Christkindlmarket in downtown Chicago, Illinois, Sunday, Nov. 26, 2017. Bloomberg is expected to release consumer comfort numbers on Nov. 30. Photographer: Christopher Dilts/Bloomberg via Getty Images

One of the best Christmas markets in the country returns Friday to three Chicago-area neighborhoods, Chicago’s Christkindlemarket.

Read more: 4 things to know about Christkindlmarket, Chicago’s favorite Christmas market

The famous German-style market offers visitors the opportunity to buy handmade artisan products and taste international dishes while listening to festive tunes. And this year, the Christmas market will take place in three different locations: Wrigleyville, Downtown Chicago and Aurora.

The Christmas markets all open on Friday 18 November. Hours of operation and locations are listed below.

RiverEdge Park: 360 N. Broadway, Dawn

  • Thursday: 11am-7pm
  • Friday and Saturday: 11am-9pm
  • Sunday – 11am-6pm
  • Special hours 19 Dec. to 21 Dec. : 11am-7pm
  • Thanksgiving and Christmas Eve: 11am-4pm

Daley Plaza: 50 W. Washington St., Chicago

  • Sunday to Thursday: 11 a.m. to 8 p.m.
  • Friday and Saturday: 11am-9pm
  • Special hours Thanksgiving and Christmas Eve: 11am-4pm

Wrigleyville: 3635 N. Clark St., Gallagher Way, Chicago

  • Monday to Thursday: 3 p.m. to 9 p.m.
  • Friday and Saturday: 11am-10pm
  • Sunday: 11am-7pm
  • Special Thanksgiving, Christmas and New Year hours: 11am-4pm
  • Special hours 26-29 Dec. : 11am-9pm

Winter Country at Gallagher Way


Ever dreamed of running the bases at Wrigley Field? Well, you can’t quite do that this winter. But you can ice skate in the outfield.

Although it’s not the North Pole, it may look (and feel) like it. It’s all part of Winterland at Gallagher Way, which this year includes a number of activities taking place inside the Friendly Confines.

Carnival games, ice tubing, an ice slide and the “Infield Express Train” will also grace the grounds, along with holiday music, festive food, drinks and more.

Winterland begins on November 18 and ends on January 8. Entry to Gallagher Way activities, including the Christkindlmarket in Wrigleyville and Santa’s Workshop, will be free.

Tickets, priced at $5, will be required to access the Wrigley Field portion of Winterland. Attraction tickets will also be required to ride the rides and skate on the rink, officials said.

Magnificent Mile Festival of Lights

[chicagogram]    Chicago's party season begins tonight, as the Magnificent Mile Lights Festival lights up the city.  Keep an eye out for our friends at @ConradChicago as they parade alongside a very special guest: Santa Claus.  #BMOLightsFest #Stay


The 31st annual Wintrust Magnificent Mile Lights Festival takes place throughout the weekend, beginning Friday afternoon with a tree lighting ceremony at 401 N. Michigan Ave.

On Saturday, November 19, Pioneer Court will be transformed into a “Lights Festival Lane” holiday village, complete with holiday kiosks, family holiday activities and more.

At 5:30 p.m., the festival will conclude with a Grand Tree Lighting Parade, where Grand Marshals Mickey Mouse and Minnie Mouse will light up more than 200 trees along the Magnificent Mile, with the help of Santa Claus, marching bands , holiday floats and more.

Read more: Where to see holiday light shows in the Chicago area for 2022

The parade descends to N. Michigan Ave. and Oak Street and head south.

The Chicago Emergency Management Office says the following street closures are in effect for the parade beginning Saturday, Nov. 19:

Closed from 3:30 p.m. to 7:30 p.m.

  • Oak Street from State Street to Michigan Avenue
  • North Michigan Avenue, from Oak Street to Wacker Drive
  • Upper Wacker Drive from Wabash Avenue to the east bend

Closed from 5 p.m. to 7:30 p.m.

  • Upper Columbus Drive from Wacker Drive to Randolph Street

Closed from 8 a.m. to 6 p.m.

  • Clark Street (eastern curb lane only from Oak Street to Delaware Street)
  • Delaware Street from Dearborn Street to Clark Street (north curb lane only)
  • Oak Street from Clark Street to State Street
  • Dearborn Street, from Delaware Street to Maple Street
  • Walton Street from State Street to Clark Street

Closed from 3:30 p.m. to 9 p.m.

  • Upper Columbus Drive (the lanes bordering Wacker Drive at Randolph Street)
  • Randolph Street (lanes bordering Michigan Avenue at Columbus Drive)
  • Intermittent closures depending on traffic conditions

Ice Skating at McCormick Tribune Ice Rink, Millennium Park Art Market

Getty Images

CHICAGO, Dec. 14, 2019 — People skate at the McCormick Tribune ice rink at Millennium Park in Chicago, the United States, on Dec. 14, 2019. (Photo by Joel Lerner/Xinhua via Getty) (Xinhua/via Getty Images)

Another attraction that opened on Friday is the McCormick Tribune Ice Rink and the Millennium Park Art Market.

Admission to the rink is free, but reservations are required. Reservations for session times and dates vary and can be found here. Skate rental is extra.

The Millennium Park Art Market, featuring local artists selling jewelry, pottery, art and more, begins Nov. 18 and runs through Nov. 20.

Lincoln Park ZooLights

File photo.

The long-standing tradition at Lincoln Park Zoo opened on Friday, with a slate of attractions in store for visitors. A Ferris wheel, expansive light tunnel and redesigned light shows are some of the highlights of the event, according to the zoo.

ZooLights will run from 4:30-10 p.m. November 18-23, December 25-30, December 2-14, January 16-23, 26-31, and January 1. Among the dates, tickets for the show will be free on December 21 and 28, as well as on December 5, 12, 19 and 26.

Tickets are available here and cost $5 Tuesday through Sunday.

Secrets of Polar Gear, Part VIII: Sleigh Tracks » Explorersweb


Although I have done many expeditions to the North and South Poles, both as an independent traveler and as a guide, each new trip brings new gear ideas. There are also old and proven standards that I have been using for years. As I start the South Pole season, let’s take a look at my gear. Today: sled tracks.

A note: Proper gear is only one aspect of polar travel. Developing skills, planning and logistics, understanding the polar environment and knowing how to minimize risks are all equally important. If you want to accelerate your development as a polar traveler, consider hiring an IPGA guide.


The red loop is for carrying, the blue and white rope are handles for riding the sled over obstacles. Photo: Eric Phillips

Traces are lines used to pull a sled. There are many different rigs. Here’s what we do.

First, the sled should have two connection points (tow loops) on each side at the front. These should be 6mm to 8mm Spectra, static climbing rope or double braided yachting rope. We secure them with simple knots on the inside, reinforced if we are traveling on glaciers.

Negotiating a pressure ridge en route to the North Pole. Photo: Eric Phillips

For Arctic Ocean expeditions we use a V-trace system. Because the tow rope can be useful for other purposes, we attach it to the tow loops with carabiners to make it removable. Here, the trace should be a 10mm to 12mm water ski rope, which does not absorb water and floats.

The V-trace system for sea ice. Illustration: Eric Phillips

Your pull harness belt should have built-in D-rings on each side, with a carrying loop connecting one to the other. There’s no need for carabiners here. We use 6mm Spectra or climbing webbing for this line.

To relieve the tugging on our harness, we make a loop from an 8 mm bungee cord. It connects the V and the harness with a carabiner or a loop. We call it downloading.

A skier demonstrates the V-shape while skiing towards the North Pole. Photo: Eric Phillips

The download should run freely on the harness buckle so your load is always balanced between the two D-rings. Whether you’re pulling forward or sideways, the pressure is always on both hips. Use key carabiners to avoid annoying snags when disconnecting from your trace. After all, it’s behind you and you usually do it blindly. Always place double bends in your ropes for longevity when connecting to carabiners.

Key lock clip doors are best.

On rough sea ice, where there are so many obstacles, you don’t want your sled to be too far behind you. He should follow your footsteps as closely as possible. Just make sure your ski heels aren’t touching the sled when you’re fully stretched. We place a knotted handle in the trace, which is handy for roughing up your sled over pressure ridges.

Trace configuration options

I use a different track setup when traveling on long flat snowfields.

Illustration: Eric Phillips

On the sled, I tie a short rope from one towing loop to the other. It should reach the nose of the sled, above. No need to take it off during travel, just attach it on both sides, carabiners are not needed. Then tie a single line in the middle. It should not slip from this midpoint. This line can be of variable length, from 2m to 4m on an ice cap, from 4m to 10m in crevassed terrain, and up to 20m in kite. You can place knots along this rope, which could snag the edge of a crevice in the event of a dive. Then connect this rope to the buckle of your harness using a carabiner, letting it run freely over the buckle.

Photo: Eric Phillips

If you fall into a crevasse and your sled does not follow, your tracking system must be strong enough to support your body weight. Therefore, you need your upload bungee loop in parallel rather than in series, which means that if the bungee breaks, the rope will still hold. See the different ways we use our downloads below.

Bungee in parallel, to move on the glaciers.

Serial Bungee.

Solid traces and breakage

If the course includes steeper descents, if your sled often slips under the effect of gravity, consider using rigid tracks. It may just be two single bars, but I find the sled to be more responsive using a rectangular system with a center crossbar.

Every attachment should be as rigid as possible: the corners, the joints and the connection to your sled. However, I connect to short elastic loops on each hip to deal with jerking.

Skiing with solid tracks in the Australian Alps. Photo: Eric Phillips

On our trips to the Australian Alps we use 19mm polyethylene electrical conduit with a stud insert. Due to their strength and curvature, they create an integrated crash damper on steep inclines. The whole system flexes when you come to a sudden stop. On long trips with heavier sleds, increase the conduit diameter. Do not use polypropylene, it is too brittle.

Finally, when it’s really steep, we go back to the “lawnmower technique”, knocking the bars down and descending them with snowshoes. Make sure the bars are attached to you in case you accidentally let go!

Sled brakes

If you have intermittent descents that don’t warrant a stiff system, you need a steep braking mechanism to keep the sled from pinching your heels or tipping you over. Sure, you might be a gun skier and manage to stay in front of your rocket, but you have little control over its speed or direction. Things can go wrong quickly. Skiing with your sled in front, like walking a dog, is rarely a good option.

On steep descents we cut a short line between the tow loops of the sled and let that loop slide under the sled. Super easy and reliable. For gentle slopes, use a thin cord; for greater stopping power, use thicker line and add knots for greater resistance. The key is to find happy friction.

To make this system usable on the go, attach a lanyard to the middle of this loop and slip it through your harness belt, releasing it to allow the brake loop to deploy under the sled.

The last method is sledding. We do this a lot in Svalbard, steering with skis and emergency stop throwing the trace loop over the nose. Fun, but you need to be sure of the terrain ahead.

If you feel confident, sledding is an option.

12 Dangerous Habits That Can Put You Even Deeper Into Debt


US consumer debt is at an all-time high. According to the New York Fed Consumer Credit Panel, total household debt in the third quarter of 2022 reached $16.5 trillion.

Is there a way to crush your debt once and for all? Absolutely, but it requires avoiding bad financial habits that can put you further into debt.

Here are 12 of those dangerous habits and what to do instead.

6 awesome tips every Costco shopper should know

1. Spend money to follow others

Peer pressure is enormous. You may not feel a direct command to follow others in your social circle, but it can get sneaky. If one of your friends buys a new car, you might be tempted to buy one too.

Break this habit by realizing that you bear all the consequences of your expenses. In other words, it’s not your friends who will have to clean up the debt. This job is yours and yours alone. Better to avoid it altogether by living within your means.

2. Don’t automate savings

For most people, if it’s in their main checking account, it’s up for grabs. Spending all your money is a guaranteed way to keep living paycheck to paycheck.

Instead of continuing the cycle, break it by adjusting your payroll distribution. You can send a fixed amount to your main checking account and a percentage on savings. This will ensure that you are constantly building an emergency fund and avoiding further debt.

Payday loans are often sought after in emergency situations, but they are bad business: they can have interest rates of over 600%!

Get expert tips for making more money – sent straight to your inbox.

3. Not having a coherent budget strategy

Not having a budget strategy is a dangerous habit. You don’t know how much you earn, how much you take out, or even how much you need to meet expected and unexpected expenses in life.

Once you have a budget, things that used to be “emergencies,” like car maintenance and property taxes, just become part of the budget.

4. Not Tracking Expenses

Expenses tend to creep in, making it easy to end up with “more butterflies than money,” as the old saying goes.

It’s a dangerous habit when it comes to money, because if you have no idea of ​​your expenses, you can’t really plan for unforeseen events. This puts you in a difficult position where you may have to take out expensive loans or rack up credit cards, which will push you further into debt.

Pro tip: A lot of best budgeting apps Automatically analyze your expenses from a linked bank account to keep you up to date on your expenses.

5. Eat out every week

Checking out the best restaurants in your town is fun, but it can add up very quickly. Even the fast food groceries start piling up.

If you order weekly, that’s money wasting the ability to benefit you beyond a full belly for the evening.

A better approach is to eat within your budget, but pack lunches for work and cook most of your meals at home.

6. Pay the minimum on credit cards and loans

Paying the minimum on credit cards is a surefire way to stay in debt longer. This is because the minimum balance on credit cards is used primarily to pay interest and very little of the balance.

Pro tip: By paying more, more of your payment goes to the original balance rather than just interest. You can also save what you need by switch to a low interest credit card.

7. Buy more house than you can afford

What you get in mortgage terms and what you can actually comfortably afford each month are often two different numbers.

As a general rule, your mortgage should not exceed 28% of your take home pay from an affordability perspective.

In some markets, this may mean a lot less house than expected. But having the cash to handle repairs, saving for unexpected expenses, and always putting aside for retirement is far more important than having the biggest house on the block.

8. Shopping for every sale

Unfortunately, the science of retail is designed to take as much money as possible. Indeed, shopping around for every sale is a dangerous habit that can put you further into debt because it encourages spending.

This means that not all chords are really chords. Even if it is a 75% sale or clearance agreement, the costs can still add up. Stay home and don’t add items to your online shopping cart either.

9. Spending too much on a car

Just like spending to keep up with others, you can also spend too much on a car. It is a purchase with guaranteed value and requires care and maintenance.

Pro Tip: Buy a reliable and affordable car when the total cost of ownership is calculated. And try these tricks to save money on car insurance.

10. Skip Car Maintenance Until It’s Too Late

That check engine light won’t go away just because you put a little duct tape on it. Unfortunately, when money is tight, it is difficult to find space for auto repairs. This is why having an emergency fund is so important.

While some small businesses now offer financing through third parties, the interest rates are not very good, which makes it even more difficult to deleverage.

Pro Tip: Set aside money for repairs throughout the year. Even if you don’t need a lot of repairs, the fund may be enough to repair your vehicle or buy a new one without stress.

11. Not monitoring your credit

If you don’t look at your credit, you are exposing yourself to fraud or even incorrect information.

Traditionally, the three major credit bureaus allowed one free credit report every year, but now consumers can check their credit report every week. This is a temporary benefit due to the ongoing COVID-19 pandemic.

This habit can push you further into debt, as your credit score has a direct impact on the interest rates you receive. The worse the score, the more you will pay for credit cards, loans and even apartments.

6 smart ways to crush your debt today

12. Let the bass devour your money

The bar can be an expensive place, with an average tab for just four glasses ranging from $80 to $100.

Add in the cost of parking or the taxi ride, plus any other bar stops you’ll make, and going out for a night on the town can put you in more debt than you think.

Entertainment is one of the biggest expense categories that can spiral out of control, but unlike rent or utilities, you can control it.

At the end of the line

Good financial habits open great doors. If you’re trying to achieve bigger goals, like buying a house or taking a better vacation, it all starts with developing good money habits and avoiding dangerous things.

Of course, that’s not the only part of the puzzle to solve. Eventually, you’ll have to manage your income, including raises, promotions, or even a side hustle.

Start by saving and investing money, and soon you will find that you have enough leeway to boost your bank account as well.

More from FinanceBuzz:

This article 12 Dangerous Habits That Can Put You Even Deeper Into Debt originally appeared on FinanceBuzz.

Brownstein: Everyone feels the need for lettuce in short supply


But come Christmas there should be more at lower prices, according to a cooking teacher.

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It’s a little lettuce. In my head and often in my mouth.

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It certainly does not stand up to Romaine, Boston, Butterhead, Arugula, Endive, Escarole, Frisée, Gem or Mesclun.

But, damn it, if you want to make a great wedge salad, you really need iceberg lettuce — though it’s thankfully overpowered by the other tantalizing ingredients.

No problem finding homemade blue cheese dressing, extra blue cheese crumbs, bacon bits and sliced ​​red onions, but try to find a decent iceberg these days that won’t break the bank and won’t break the bank. is not withered.

In my quest for the perfect wedge over the past two weeks, I’ve mostly encountered roadblocks on the tip of the iceberg at local grocery stores: $8.99, even $9.99 for an iceberg head no quite healthy.

The horror! The horror!

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“California drought, California drought!” says the shriveled man known as the “food professor,” Sylvain Charlebois of Dalhousie University.

It’s not just a momentary problem. Charlebois expects shortages and high prices not only on icebergs, but on many other lettuces for at least a month. Cauliflower too – a burden I’m willing to bear.

“But come Christmas, with imports also coming in from Arizona and Mexico, local grocery stores will likely have more lettuce at more reasonable prices. Cauliflower too,” says Charlebois.

Romaine lettuce lovers have also been left behind, with prices sometimes exceeding $10.

Chef Adam Shiller, who runs a popular restaurant service in town, even had to remove his divine Caesar salad from his menu.

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“For the price I was paying for romaine, I should have almost charged the same price for a Caesar salad as I did for a steak,” he says. “And I really don’t think my clients would accept that. It’s just crazy. I have never seen anything like it before.

Different types of lettuce on display at Fruiterie Dollard.  The price of lettuce has skyrocketed in recent weeks due to supply shortages.
Different types of lettuce on display at Fruiterie Dollard. The price of lettuce has skyrocketed in recent weeks due to supply shortages. Photo by Pierre Obendrauf /Montreal Gazette

Tasso Pantazopoulos, owner of Fruiterie Dollard in LaSalle, has never seen him so gloomy either in 25 years in the business.

“It’s awful,” he said. “We had to beg our suppliers to deliver larger shipments. But it’s so limited. The quality is not always so good, but we have to take the shipments because we are already committed to it.

“We pay higher prices and therefore have to charge more, but it’s still not enough to meet the demand. I feel bad that I have to charge these prices, but the reality is that we don’t even break even for the most part.

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For the record, I found a reasonable iceberg at a relative theft of $6.99 at Fruiterie Dollard.

Pantazopoulos breaks down his prices for me. It cost him $120 for a box of 24 Iceberg heads, which works out to $5 each.

“So we put it at $6.99 to try and make a little profit, but unfortunately when the volume is low the quality is often questionable so you can’t sell every piece. We may sell 20 pieces, sometimes not even. So do the math there. We just hope to get back what we spent. We have even started to get icebergs from Spain, but it costs the same,” says Pantazopoulos.

“These lettuce problems first started with romaine and continue. Worse than an iceberg. I’m sure I lose $10-$15 a box there. But now all lettuces have price and supply issues, even mixed leafy greens. Two weeks ago I was buying them at $9 a box. Last week they were $18.

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“And don’t even talk to me about cauliflower, which I have to buy for $10 each. How much am I supposed to sell this for? »

He resells them at cost.

Everyone is affected: farmers, suppliers, grocers, consumers and restaurateurs.

Like Shiller, many restaurateurs and fast-food franchisees have had to remove lettuce-based salads from their menus. Others who still serve greens have had to raise their prices.

But gourmet salad chain Mandy’s, while feeling the effects, hasn’t raised prices at its eight Montreal restaurants or one in Toronto.

“As recently as last weekend, there was no romaine on the island of Montreal, and we had to remove it from our menu for two days, which I don’t think ever happened. produced before,” says Rebecca Wolfe, who along with her sister Mandy launched their successful restaurant business in 2004.

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“There is always unpredictability with supply shortages and prices when it comes to fresh produce. We work with an amazing supplier who keeps us up to date, but unfortunately we are kind of used to this stuff. We are monitoring the situation closely and hope it clears up soon. But we are not raising our prices. And we really aren’t able to take things off the menu or replace them either, not when lettuce is our main ingredient.

Cooking professor Charlebois blames price and quality issues on California’s drying up.

“Plants are weakening due to drier growing conditions, and a virus has actually ravaged several fields. So a lot of farmers had nothing to sell, and markets, including Canada, were hit by a very poor harvest in California,” says Charlebois. “It’s a nationwide lettuce shortage.”

Any solutions pending?

“There’s always kale,” quips Charlebois. “And if you have dental floss handy, you can still enjoy kale.”


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  1. Catherine Bubnich, store manager, cleans up during the opening day of new thrift stores for NOVA in Kirkland on Tuesday.

    Kramberger: Thrift stores for NOVA grow during economic downturn

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    Loblaw and Metro say latest results show they’re not benefiting from inflation, despite rising profits

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20 amazing facts about Antarctica, the mysterious kingdom that contains 90% of Earth’s ice


At the southern end of the planet is one of the most massive landmasses in the world – the frozen realm of Antarctica.

It’s the least populated continent on Earth – and one of its most inexplicable places.

These 20 cold, hard facts should help lift the veil of mystery surrounding it. They were compiled by Chief Scientist Dr Verena Meraldi and Resident Antarctic Expert Tudor Morgan of Hurtigruten Expeditions to mark the 20th anniversary of the adventure cruise line’s first sailing to the ‘Antarctic. Scroll down to learn about a “bleeding” glacier, a penguin post office, a “ghost” mountain range, and more…

The first person to reach the South Pole is Norwegian Roald Amundsen. Above is a statue of him in Tromso, Norway

1. The first person to reach the South Pole was Roald Amundsen

Roald Amundsen is a Norwegian explorer who first planted the Norwegian flag there in December 1911. He beat the British by a month. Hurtigruten Expeditions has named its first hybrid-powered ship (also the first in the world), MS Roald Amundsen, after the famous explorer.

2. Antarctica is, on average, the windiest place on Earth

Scientists exploring this southern landmass have reported wind speeds of up to 200 mph. Antarctica’s geography and climate mean that it receives a special type of ‘katabatic’ wind, formed when air descends a slope. In Antarctica, the mountain range paired with large flat expanses create a spectacular wind combination.

3. The first person to be born in Antarctica was Argentinian Emilio Marcos Palma

In a ploy to claim sovereignty over part of the continent, Argentina sent a pregnant mother there on purpose in 1977 so she could give birth to her child in part of the disputed territory. To date, 11 babies have been born on the continent.

4. You can send a postcard home to the Penguin post office

This image of Port Lockroy was captured during a Hurtigruten trip to Antarctica in 2002

This image of Port Lockroy was captured during a Hurtigruten trip to Antarctica in 2002

Port Lockroy on Goudier Island is home to the UK’s southernmost public post office, affectionately known as the Penguin Post Office. The post office is run by the UK Antarctic Heritage Trust, with around 70,000 cards sent each year to over 100 countries.

5. Antarctica was once as warm as Melbourne

Four and a half million years ago, Antarctica was warm and covered in palm trees. But on the other hand, in 1983, the coldest temperature ever recorded on Earth was in Antarctica, a freezing temperature of -89.2°C.

6. The band Metallica gave a concert in Antarctica

On December 8, 2013, metal band Metallica performed a concert in Antarctica, making them the first band to have played on all seven continents in one year.

7. It’s home to a “non-freezing” lake

Deep Lake in Antarctica is so salty that it cannot freeze, even at temperatures as low as minus 15 degrees Celsius. Its waters are 10 times saltier than the ocean, which rivals the Dead Sea.

8. There is no Antarctica time zone

Antarctica has about 300 lakes that cannot freeze because they are underground and stay above 0°C due to the heat from the Earth's core.  Pictured above is the Hurtigruten ship MS Fram

Antarctica has about 300 lakes that cannot freeze because they are underground and stay above 0°C due to the heat from the Earth’s core. Pictured above is the Hurtigruten ship MS Fram

Antarctica does not have its own time zone. Most of the continent experiences six months of constant daylight in the summer and six months of darkness in the winter, so the weather seems smoother. Scientists and researchers tend to stay in the time zone of the country to which their station belongs.

9. Antarctica is the only continent without reptiles

Reptiles depend on their environment to stay warm, so it’s simply impossible for reptiles to stay warm in Antarctica. You will find the Antarctic ‘icefish’, however, which has no red blood cells (normally needed to carry oxygen) and is ghostly white.

10. Antarctica has a ghost mountain range

In winter, the Antarctic Sea juts out from the mainland about 100,000 square kilometers (40,000 sq mi) per day, eventually doubling the size of Antarctica before melting again in summer.

In winter, the Antarctic Sea juts out from the mainland about 100,000 square kilometers (40,000 sq mi) per day, eventually doubling the size of Antarctica before melting again in summer.

Entirely buried under thick Antarctic ice, the Gamburtsev Mountains stretch more than 1,200 kilometers (745 miles) inside the continent. With the highest peaks around 2,800m (9,000ft), they are about one-third the size of Earth’s tallest mountain: Mount Everest.

11. There are 300 unfrozen lakes in Antarctica

In such cold climates one would expect fresh water to freeze, however, Antarctica has about 300 lakes which cannot freeze as they are underground and stay above 0°C due to the heat from the earth’s core.

12. Antarctica expands to twice its size in winter

In winter, the Antarctic Sea advances from the continent by about 100,000 square kilometers (40,000 square miles) per day, eventually doubling the size of Antarctica before melting again in summer.

13. Antarctica has a “bloody” waterfall

Above, the glacier

Above, the “bleeding” glacier. It took over 100 years for the cause of the red tint to be discovered

In a remote corner of Antarctica is a “bleeding” glacier. Blood Falls’ dark red water was first observed in 1911, but it wasn’t until 2017 that scientists discovered the cause. The water that flows from the Taylor Glacier comes from a subglacial lake rich in salt and oxidized iron, which gives the falls a bloody hue.

14. The continent is home to about 90% of the ice on Earth

The continent is twice the size of Australia and the largest recorded iceberg is larger than Jamaica at 11,000 km2 (4,247 sq mi). Ice is equivalent to about 75% of the fresh water on the planet.

15. There is even an active volcano

Mount Erebus (above) is the southernmost active volcano in the world

Mount Erebus (above) is the southernmost active volcano in the world

Antarctica is home to Mount Erebus – the world’s southernmost active volcano – as well as the only known “lava lakes”, which have held liquid magma for eons despite the continent’s frigid conditions.

16. At the south pole, all directions are north

If you stand at the South Pole, you are at the southernmost point on Earth. It doesn’t matter which direction you look – every direction is north.

17. It’s either very sunny or very dark for six months in a row.

Antarctica does not have its own time zone.  Most of the continent experiences six months of constant daylight in the summer and six months of darkness in the winter, so the weather seems smoother.  Pictured above is a Hurtigruten ship on Cuverville Island in Antarctica

Antarctica does not have its own time zone. Most of the continent experiences six months of constant daylight in the summer and six months of darkness in the winter, so the weather seems smoother. Pictured above is a Hurtigruten ship on Cuverville Island in Antarctica

Due to the tilt of the Earth, the sun does not rise in Antarctica from the spring equinox to the autumnal equinox, which means that the continent remains dark throughout the winter season. Conversely, during the summer months, the sun does not set in Antarctica, meaning it receives more sunlight than the equator during this time.

18. An American scientist was the first and only person to find a match on Tinder in Antarctica

On a cold and lonely night in December, an American scientist, who was conducting research on Antarctica, decided to log on to Tinder for fun. He wanted to see if there were any women on the cold, lonely continent. After the scientist widened the location radius of the app, he found another finder, swiped right, and a few minutes later they matched!

19. It’s classified as a desert, and you can find the driest place on Earth

The driest place on earth is in Antarctica, in an area called the Dry Valleys, which hasn’t seen any rain for almost two million years. Additionally, due to its low rainfall, Antarctica is classified as a desert.

20. Seven species of penguins can be found in Antarctica, and some are fast!

Adélie, chinstrap, gentoo, king, macaroni, rockhopper and emperor penguins are all found on the icy continent. However, gentoos are the speedsters of the penguin world. Although they are not good runners, they can take off in water. When diving, they have been known to reach speeds of up to 22 miles per hour!

Gentoo penguins (pictured) are the speedsters of the penguin world and are one of seven penguin species found in Antarctica

Gentoo penguins (pictured) are the speedsters of the penguin world and are one of seven penguin species found in Antarctica

MOST is having a sleepover at the North Pole


SYRACUSE, NY (WSYR-TV) – The Museum of Science and Technology (MOST) is hosting a North Pole sleepover for K-8 children and their families during select weekends in November and December.

The North Pole Sleepover is a celebration for the start of the winter season as part of MOST’s “DeSTEMber” event.

The event costs $12 a ticket and $10 for members.

The ticket includes museum admission, party activities and the 7:15 a.m. planetarium show in the new National Grid Exploradome called “Night in the Arctic”. ”

Savor classic dishes at the Hot Cocoa Bar sponsored by Cathy’s Cookie Kitchen and get cozy in your favorite pajamas.

There will also be exciting new activities exploring the North Pole inside MOST with hands-on STEM activities including arctic animals and geomagnetic poles, snowflakes, melting ice, and more.

DeSTEMber is what MOST calls the whole month of December because there will be more fun STEM events next month according to Stephanie Herbert, Director of Marketing.

This year, instead of showing the classic film “The Polar Express”, participants will be able to explore the Arctic skies with the planetarium program created by specialty.

The schedule is as follows:

Saturday November 26 6:00 p.m. – 8:00 p.m.
Saturday, December 3 6:00 p.m. – 8:00 p.m.
saturday 10 december 6:00 p.m. – 8:00 p.m.
Saturday December 17 (Friendly Sensory Party) 6:00 p.m. – 8:00 p.m.

Tickets can be purchased on MOST’s DeSTEMber page at the bottom of the page.

Flathead’s Henley and Glacier’s Gulick take Frontier Volleyball honors


WHITEFISH — Frontier Conference Commissioner Kent Paulson has announced the honored 2022 Frontier Conference volleyball teams, and Flathead High product Taylor Henley is a first-team pick.

Henley, a senior middle tackle for Montana Tech, was third on the Orediggers in kills (2.38 per set) and second in hit percentage (.268). She was joined by two Tech teammates from the 13-member first team, including senior outside forward Maureen Jessop, the league’s Player of the Year for the Frontier.

The conference also named an All-Freshman team, and that includes Glacier High product Sidney Gulick, an outside hitter for Carroll College. Gulick was third in kills at 2.05 per set for the Saints, who went 14-13.

The Orediggers won the regular season title before falling to Montana Western in the Frontier Conference. They still made the NAIA tournament; they’ll go 24-8 in a first-round game against Westmont College in California. It will be Saturday at the Butte, at 7 p.m.

Frontier Tournament champion Rocky Mountain College (20-14) also competed in the national tournament and will play at Indiana Wesleyan on Saturday.

Montana Tech head coach Brian Solomon was named coach of the year, and Diggers’ McKenna Kaelber and Rocky’s Blythe Sealey were selected co-setters of the year.

Rocky Mountain College senior libero Ayla Embry has been selected multiple times as the defensive player of

the year. Montana Tech’s Olivia Caddy was named Rookie of the Year.

The conference also released its Champions of Character team, which includes Montana Western middle tackle Morgan Stenger, a senior from Columbia Falls.

The honor teams are below:

Conference all borders

first team

Julia Carr, Carroll College, 5-7, Jr., DS, Portland, Oregon.

Elizabeth Heuiser, Carroll College, 6-0, So., MH; Helen

Katherine McEuen, Carroll College, 5-10, Sr., OH/RS; Spokane

Alana Graves, MSU-Northern, 5-11, Jr., MB; Ballantina

Taylor Henley, Montana Tech, 6-1, senior, MB; Kalispell

Maureen Jessop, Montana Tech, 6-1, Sr., OH; Corvallis.

Olivia Muir, Montana Tech, 5-11, Sr.. OH/RS; Cool, Wyo.

Jazi Smith, Montana Western, 5-11, So. OH; Mossyrock, Wash.

Makenna Bushman, Rocky Mountain College, 5-11, So. OH; Joliette

Ayla Embry, Rocky Mountain College, 5-4, Sr., L; bozeman

Rhiannon Nez, Rocky Mountain College, 5-11, So., MB/RS; Rapid City, SD

Blythe Sealey, Rocky Mountain College, 5-8, So., S; Gathering.

Jenna Thorne, University of Providence, 5-11, Jr., OH; Karitane, New Zealand

second team

McKenna Kaelber, Montana Tech, 5-11, Sr., S; Pasco, Wash.

Kelsey Goddard, Montana Western, 5-7, So., L/DS; Vegas

Danyel Martin, Montana Western, 6-2, Rs/So., MB; McAllister

Bella Bryan, Rocky Mountain College, 5-9, So., So., OH/RS; Billings.

Zoe Naugle, University of Providence, 6-1, Jr., MB; Castle Rock, Washington.

Freshmen team

Sidney Gulick, Carroll College, 6-1, Ohio; Kalispell

Macee Murphy, MSU-North, 5-6, S; Ballentine

Olivia Caddy, Montana Tech, 5-5, L/DS; Missoula

Kinnidi Willmore, Montana Tech, 5-10, Ohio; Claremont, California.

Jordan Olson, Montana Western, 6-1, RS; Billings

Ryann Eddins, University of Providence, 5-9, OH; bozeman

Bella Thompson, University of Providence, 5-7, S; Kapahulu, Hawaii


Player of the Year: Maureen Jessop, Montana Tech

Freshman of the Year: Olivia Caddy, Montana Tech

Setter of the Year: McKenna Kaelber, Montana Tech; and Blythe Sealey, Rocky Mountain College

Defensive Player of the Year: Alya Embry, Rocky Mountain College.

Coach of the Year: Brian Solomon, Montana Tech

Assistants of the Year: Kristi Arntson, Technician; Al Givens, MSU-North; and Casie Lowden, Rocky.

Character Champions 2022

Carroll College, Kylie Kackman, 5-8, Sr., S; Colfax, Wash.

Montana Tech, Emma Carvo, 5-4, Sr., S; Idaho Falls, Idaho

Montana Western, Morgan Stenger, 6-1, Sr. MB/RS; Columbia Falls

MSU-Northern, Kaitlyn Murdock, 5-4, Sr. DS; Lodge Grass

Rocky Mountain College, Blythe Sealey, 5-8, So., S; Overview

University of Providence, Bailey Christensen, 5-9, Rs/So., OH/RS; Belgrade

Iceberg twice the size of London drifting in dangerous seas


This incredible image shows the world’s largest iceberg drifting towards the world’s most volatile water masses.

The A-76A Antarctic iceberg is the largest remaining chunk of what was once the largest floating iceberg in the world’s oceans and is twice the size of London.

The images were taken by NASA’s Terra satellite and show A-76A en route to the Drake Passage, which is located between South America’s Cape Horn, Chile, and the South Shetland Islands of the Antarctica and is one of the most treacherous voyages for ships on the planet.

The iceberg’s parent iceberg, A-76, broke away from the Ronne Ice Shelf in Antarctica in May 2021 and was the largest iceberg on the planet at the time. Within a month, the iceberg lost that status when it broke into three named pieces. The largest of those pieces – Iceberg A-76A – is now drifting nearly 1,200 miles into the Drake Passage.

A-76A is the largest remaining chunk of what was once the largest iceberg

(NASA Earth Observatory/Lauren Dauphin)

Despite the long journey, the size of the iceberg remains remarkably unchanged. In June 2021, the US National Ice Center (USNIC) reported that the A-76A was approximately 84 miles long and 16 miles wide. In October 2022, USNIC reported that the iceberg retained the same dimensions.

It remains to be seen where the A-76A will drift next. It was already more than 310 miles north of its position in July 2022, when the European Space Agency’s Sentinel-1 satellite showed the iceberg passing the Antarctic Peninsula.

As they continue to drift north, the icebergs are usually pushed east by the powerful Antarctic Circumpolar Current that passes through the Drake Passage. From this point, icebergs often head north towards the equator and melt rapidly in the warmer waters of the region.

CAPSTONE enters single lunar orbit NRHO – SpacePolicyOnline.com


CAPSTONE became the first cubesat to enter lunar orbit last night. Developed through a public-private partnership with NASA, the tiny Cislunar Autonomous Positioning System Technology Operation and Navigation Experiment tests a unique lunar orbit called the Near Rectilinear Halo Orbit, or NRHO. The agency plans to set up a small space station there as part of the Artemis program for the sustained exploration and use of the Moon.

NASA has confirmed that CAPSTONE entered the highly elliptical NRHO at 7:39 p.m. ET last night. Over the next five days, it will fire its engines twice more to refine the orbit.

The microwave-sized CAPSTONE spacecraft was developed under NASA’s Small Business Innovation Research (SBIR) program and is being led by Advanced Space of Westminster, CO. NASA awarded Advanced Space a $13.7 million contract to develop and operate the spacecraft. It was designed and built by Tyvak Nano-Satellite Systems, a Terran Orbital Corporation. CAPSTONE is owned by Advanced Space on behalf of NASA and jointly operated by Terran Orbital and Advanced Space.

CAPSTONE was launched on June 28, 2022 on a Rocket Lab Electron launcher. The launch cost $9.95 million. This results in the total cost of the mission being only $23.65 million, an extremely modest sum for any spacecraft let alone one heading to the Moon.

It encountered a few problems along the way, briefly losing communications with Earth during a course change in July and losing stabilization after another course correction in September. Operators were able to get it back under control a few weeks later, though, and it arrived on the Moon on schedule yesterday.

The NRHO is a highly elliptical orbit that will take a spacecraft as close as 1,000 miles from one lunar pole, but 43,500 miles from the other every seven days.

NASA focuses its lunar operations on the South Pole of the Moon, where scientists believe water exists in the form of ice. The theory is that the water deposited by comets over eons remains there in permanently shadowed regions never exposed to the Sun.

The agency is teaming up with the private sector and three of its International Space Station partners – Europe, Canada and Japan – to build the Gateway as a crossing point between Earth and the Moon. The astronauts will proceed to the bridge on the Orion spacecraft. Some will remain there while others will be transferred to privately built and owned lunar landers for the journey to and from the surface. They will make the trip to the lunar south pole at times when the NRHO orbit is close to the surface. But the orbit also allows access to many other parts of the Moon and line-of-sight communications with Earth.

CAPSTONE will validate NASA power and propulsion requirement models to maintain NRHO orbit and test navigation capabilities using another NASA satellite that has orbited the Moon since 2009, the Lunar Reconnaissance Orbiter, as benchmark.

NASA Administrator Bill Nelson was among those who tweeted his congratulations.

Terran Orbital co-founder, president and CEO Marc Bell said they were “privileged to never have a dull moment.” Engineers “continually faced rapidly changing circumstances with precision and innovation, enhanced by the advantages of in-house hardware and software development. The design, modeling and simulation concepts refined throughout the process will ensure the successful flights of countless future generations of spacecraft. Terran Orbital is grateful for the trust, support, and collaboration of NASA, Advanced Space, and Rocket Lab, and we look forward to fostering these partnerships through upcoming collaborations.

Advanced Space CEO and CAPSTONE Principal Investigator Bradley Cheetham called it “a major milestone not just for our organizations, but for our industry.” The NASA and industry team “demonstrated an entirely new approach to supporting space exploration.”

CAPSTONE was Rocket Lab’s first mission beyond Earth orbit using the Lunar Photon upper stage. The company tweeted its congratulations today along with a video of the June 28 launch from Rocket Lab’s Launch Complex 1 on New Zealand’s Mahia Peninsula.

The spacecraft took a rather circuitous route to the Moon called Ballistic Lunar Transfer (BLT) which limits the amount of energy that needs to be expended, which is why the journey took nearly five months.

Credit: Rocket Lab

Cold with chance of snow ahead – The Morning Sun


This could be a good week to enjoy some tea or hot chocolate as last week’s above average temperature pattern shifts to below average this week. The highs through mid-week are expected to be fairly consistent day-to-day, only hitting the mid-30s Monday through Thursday. For reference, average temperatures at this time of year are in the mid-40s. Temperatures aren’t the only wintry feature in this week’s forecast, with some chance of snow showers expected this week as well. The greatest chance of snow for the first half of the week appears to be Tuesday night through Wednesday, although the models don’t match exactly where the snow is expected to be in the region.

At the high end, our area of ​​the state appears to see up to 1-2 inches of snowfall between Tuesday and Thursday. However, uncertainty regarding the exact placement of snow this far into the forecast period and warm ground temperatures may keep grassy areas green well into the middle of the week. With overnight lows dropping below freezing and possibly into the upper 20s throughout this week, our ground temperatures may soon tell a different story. With when any snowfall can begin during the evening commute Tuesday through the rest of the week, even during light accumulations, remember to “drive slowly through ice and snow” as it could end up to be the first real measurable snow of the season here in our area. Tuesday night appears to have the strongest mid-week winds, with gusts of up to 20 MPH possible. From Thursday night through Friday, this cool trend continues to make its presence known as a cold front passes through our region, bringing our temperatures down further. The chance of lake effect snow continues this weekend with highs in the 20s and lows in the teens currently favored.

The cold continues beyond the 7 days

It’s been hot for a while this fall with lots of 60s and 70s throughout the first third of November. That pattern has now changed and temperatures appear to be well below normal this weekend and at least early in the week leading up to Thanksgiving. Computer model data is cold, but it continues to trend even colder with each passing day. This idea has since made because it fits well with the negative EPO pattern being off the charts and the position of the polar vortex located on our side of the globe.

Given these anomalies, this points to highs in the 20s this weekend and in the days leading up to Thanksgiving. Lows would be in the teens, if not in the single digits, if conditions turn good on a smaller scale. Plenty of snow chances are also on the table, though details on specifics and quantities are still unclear until we get closer to a possible accumulated snow event. Ultimately, the large-scale synoptic pattern supports temperatures well below normal, which means cold and, therefore, snow for this time of year.

What is an -EPO pattern, you ask? Well, simply put, a negative EPO pattern refers to ongoing ridge formation over Alaska leading to bottoming across much of the United States. This means warmer than normal temperatures in Alaska and colder than normal temperatures in much of the United States. As you can see in the image above, blue and purple colors cover most of the United States, indicating below normal temperatures. Dark purple over the Great Lakes and Upper Midwest shows well below normal temperatures of 15 to 20+ degrees. For reference, our normal mid-November highs are in the mid 40s here in central MI, which is why highs may only be in the 20s this weekend and potentially early in the next week as well.

And the polar vortex? It is a true meteorological term that refers to the cold Arctic air that usually stays near the Arctic. However, it is possible that it moves and shifts to lower latitudes, rather than staying only at the north pole. When that happens, it’s easier for the Jetstream to tap into the bitter cold air and pull it even further south into the mid-latitudes, where the United States is. As the cold air is carried from the North Pole into the United States, it changes and isn’t as cold as it was when it left the Arctic, so we don’t know not exactly what it was at the north pole, but it is still a source of very cold air that we can tap into and bring south into the United States when the synoptic pattern becomes favorable to do so. Combine this arctic air source with the negative EPO model discussed earlier and you end up with a very cold weather forecast.

Winter weather watches, warnings and advisories

We hear them frequently…watches, warnings and advisories. But what do they mean? What is the difference between a winter weather advisory and a winter storm warning? And a watch? Let’s discuss it here:

First, we are going to discuss the meaning of a “WATCH”. Whenever a weather alert is labeled as a “watch”, whether it is a severe thunderstorm watch, winter storm watch, or some other form of “watch”, it means that the weather conditions discussed are possible. The specifics have yet to be ironed out specifically, but there is a threat of severe impacts based on what the forecast shows, so this “watch” provides an early warning that something may be happening and you are encouraged to check more later forecast as further details become available.

Second, we will talk about both “NOTICE” and “WARNING”. Indeed, these two terms are used to indicate that the danger in question is ANTICIPATED. The only difference is that the warning has more impact than the notice. Typically, during an advisory, weather conditions make daily routines, such as driving to work, more inconvenient than normal. You will probably need more time to reach your destination. You will probably still be able to do what you want to do, but it will take longer. In some cases, the inconvenience may force you to change your plans. Also, during a warning, conditions will be so badly affected that plans will have to be changed or cancelled, except in an emergency. Indeed, daily routines will become extremely difficult or even potentially impossible given the weather conditions.

Since we are entering the winter season, here are the most common alerts we can expect this winter if weather conditions warrant. These definitions are not perfect and their use depends on the situation, but they provide a general overview.

Winter Storm Watch: Usually issued when 6 inches or more of snowfall is possible based on the current forecast. This is used as an early warning to inform you of the potential for significant winter weather impacts. When the forecast becomes more certain, it will either be canceled or upgraded to a winter storm warning or a winter weather advisory.

Winter Storm Warning: Usually issued for 6 inches or more of snow. Overall, significant winter weather impacts are expected that will make driving dangerous or impossible. In some cases there may be less than 6 inches of snow if there is ice which will make things just as dangerous.

Winter Weather Advisory: Generally issued for anywhere between 2 and 6 inches of snow. If there is blowing snow or ice, an advisory may also be issued to account for inconvenient travel conditions, regardless of the amount of snow. This can be issued for any combination of winter precipitation that will cause impacts and make travel conditions inconvenient and slow.

Almanac of Mt. Pleasant for this week

The Information Almanac is a way to review normal temperatures and record high and low temperatures for that time of year. Normal temperatures are based on the average of 30-year highs and lows for that date between 1991 and 2020. For example, if you take the maximum temperature for each November 14 between 1991 and 2020 and calculate the average of the 30 values, the result would be 46. Therefore, the normal high for today is 46°. High and low temperature record data dates back to 1895. Sunrise and sunset data are also provided. All information is valid for Mount Pleasant.

November 14

  • Normal up/down: 46°/31°
  • Record record: 70° 1909
  • Low record: 13° 2019
  • Sunrise: 7:32 a.m.
  • Sunset: 5:15 p.m.

November 15

  • Normal up/down: 46°/31°
  • Record record: 68° 1953
  • Lowest record: 2° 1959
  • Sunrise: 7:33 a.m.
  • Sunset: 5:14 p.m.

November 16

  • Normal up/down: 45°/31°
  • Record record: 69° 1990
  • Lowest record: 2° 1933
  • Sunrise: 7:34 a.m.
  • Sunset: 5:13 p.m.

November 17

  • Normal up/down: 45°/30°
  • Record record: 69° 1953
  • Lowest record: 3° 1959
  • Sunrise: 7:36 a.m.
  • Sunset: 5:12 p.m.

November 18

  • Normal up/down: 45°/30°
  • Record record: 68° 1958
  • Lowest record: 11° 1924
  • Sunrise: 7:37 a.m.
  • Sunset: 5:11 p.m.

November 19

  • Normal up/down: 44°/30°
  • Record record: 70° 1941
  • Lowest record: 10° 1989
  • Sunrise: 7:38 a.m.
  • Sunset: 5:10 p.m.

November 20

  • Normal up/down: 44°/30°
  • Record record: 67° 1953
  • Lowest record: 13° 1951
  • Sunrise: 7:39 a.m.
  • Sunset: 5:09 p.m.

Mid-Mitten Weather View’s mission is to serve people by providing timely information to help you stay safe and make decisions based on the weather. We are passionate about educating our forecasters and subscribers on how weather forecasting works and how we can be better prepared when significant weather conditions threaten. Our team is made up of both former CMU graduate meteorologists and current student forecasters from the University. For daily updates, we invite you to check out our Facebook page! We look forward to seeing you here next week for another weekly 7-day forecast update.

-Weather forecast by CMU student forecasters Isaac Cleland and John Jones

Emirates News Agency – UAE and Arctic Circle host open dialogue to boost climate action in Himalayan Third Pole region


SHARM EL SHEIKH, 13th November, 2022 (WAM) — The Ministry of Climate Change and Environment (MOCCAE), in collaboration with Arctic Circle, organized an open dialogue on the “Third Pole Process” on the sidelines of the 27th United Nations climate meeting. Change Conference (COP27), which is being held until November 18 in Sharm El Sheikh, Egypt.

The open dialogue included Mariam bint Mohammed Almheiri, Minister of Climate Change and Environment; Ólafur Ragnar Grímsson, former President of Iceland and Chairman of Arctic Circle; and Guðlaugur Þór Þórðarson, Icelandic Minister for Environment, Energy and Climate and Chairman of the Arctic Council, 2019-2021.

Other participants included representatives of the Arctic countries and the third pole – Himalayan region and various institutions and organizations from other countries.

In June 2022, MOCCAE and Arctic Circle launched the Third Pole Process as part of an overall effort to introduce the collaborative Arctic model to the Third Pole and Himalayan region, with the aim of mitigating threats of melting glaciers and water insecurity, exacerbated by climate change. . The Third Pole region is a term for the geographical proximity to the Himalayas, which includes India, China, Pakistan, Afghanistan, Nepal, Bhutan, Bangladesh, Myanmar and several countries in Central Asia.

“The UAE is at the forefront of nations tackling the climate crisis. To support efforts to mitigate the risks associated with melting glaciers, we have deployed the third pole process which forges significant synergies and promotes the sharing of experiences in coping with the effects of melting ice. Taking place at the main annual gathering for climate action, the session highlighted the implications of climate change on the Third Pole region and introduced the upcoming Abu Dhabi Arctic Circle Forum to a global audience,” said said Almheiri.

She noted that melting glaciers can significantly disrupt the water cycle, trigger greater biodiversity loss and hamper economic growth.

The Third Pole process brings together governments, scientists and experts to build regional knowledge of the challenges of dwindling water resources. It represents active engagement with governments and institutions to enhance scientific research and partnerships to inform policy-making, guided by the collaborative Arctic experience that facilitates the effective communication of scientific information to decision makers specializing in the fight against climate change.

For his part, Ólafur Ragnar Grímsson said: “The focus has been mainly on the North Pole and the South Pole; the Arctic and the Antarctic. The escalation of the melting of the glaciers of the Himalayan-Third Pole countries could in the decades to come become a primordial climatic catastrophe. All the great rivers of India and China as well as the water resources of other Himalayan countries can be traced back to the glaciers of the third pole region. The future of more than a billion people could be directly attacked by the melting ice of the Third Pole.”

The Process is marked by milestones through a series of Arctic Circle Assemblies in Iceland and Arctic Circle Forums in other countries.

The Arctic Circle Abu Dhabi Forum will take place in January 2023 as part of Abu Dhabi Sustainability Week (ADSW). It aims to make an instrumental contribution to the preparations for the 28th UN Climate Change Conference (COP28), to be held in the United Arab Emirates in 2023.

Ohio lawmakers seek tough rules for ‘clean energy’ loans


Editor’s Note: This story was first published by ProPublica.

Ohio lawmakers this fall consider adding protections for consumers to “clean energy” loan programs, addressing the concerns they may impose on vulnerable homeowners.

In testimony during the State House Committee hearings this year, some proponents of the bill have pointed out reporting by ProPublica as proof that Ohio should regulate loans tightly. This report showed that Property Assessed Clean Energy, or PACE, loans often left low-income borrowers in Missouri at risk of losing their homes.

Two Republican members of the State House from eastern Ohio are pursuing rules for PACE, though such a loan program has only been offered as part of a pilot program in Toledo. But lawmakers Bill Roemer, of Richfield, and Al Cutrona, of Canfield, said they wanted to make sure that, if companies try to introduce a statewide program in Ohio, they comply with stricter rules.

PACE provides financing for energy-efficient home improvements that borrowers repay in their property taxes. Unlike some other types of financing, default on a PACE loan can result in the sale of a home during a tax sale.

Missouri, California, and Florida are the only states with active statewide PACE residential programs. Last year, Ohio nearly become the fourthafter California-based Ygrene Energy Fund announced it would offer homeowner loans in partnership with the Toledo-Lucas County Port Authority.

But the program never started. Ygrene has since suspended all loans nationwide and last week agreed to settle a complaint by the federal government and the state of California that the company had harmed consumers through deceptive practices.

Roemer said in an interview that he co-sponsored the measure after speaking to a coalition which included mortgage lenders, real estate agents, and advocates for affordable housing and homelessness.

“You never really see all these people coming together on a bill,” he said. “I did my research and said, ‘This is a really bad program that takes advantage of the most vulnerable people. “”

The legislative session ends on December 31, leaving little time to pass the bill.

“It’s going to take a lot of work,” Roemer said, “but I think it’s very important that we do it.”

Ben Holbrook, a Cutrona aide, said that after Ygrene’s withdrawal Bill was “less reactive and more proactive”.

ProPublica found that state and local authorities in Missouri exercised little control over the two entities that operated clean energy loan programs in that state. Ygrene and the Missouri Clean Energy District charged high interest rates and fees over terms of up to 20 years, collecting loan repayments through tax bills and executing debts by placing liens on property – which left some borrowers vulnerable to losing their homes if they defaulted.

The reporters analyzed about 2,700 loans registered in the five counties with the most active PACE programs in Missouri. They found that borrowers, especially in predominantly black neighborhoods, sometimes paid more interest and fees than their home was worth.

PACE lenders said their programs provide much-needed financing for home renovations, especially in predominantly black neighborhoods where traditional lenders typically don’t do much business. They said their interest rates were lower than payday lenders and some credit cards.

Weeks after ProPublica’s investigation, the Missouri Legislature passed and Governor Mike Parson signed a law mandate more consumer protection and oversight of PACE. In Ohio, following our reporting, leaders of the state’s two most populous cities, Columbus and Cleveland, said they would not participate in any residential PACE plan.

The Ohio Bill would cap the annual interest rate on PACE loans at 8% and prohibit lenders from charging interest on fees. Lenders must verify that a borrower can repay a loan by confirming that the borrower’s monthly debt does not exceed 43% of their monthly income and that they have sufficient income to meet basic expenses.

The measure would also change the way PACE lenders secure their loans. In states where PACE has thrived in residential markets, PACE liens are paid first if a home is foreclosed. And a homeowner can borrow without the consent of the bank that holds the mortgage. The Ohio bill would refund PACE liens after the mortgage and any other liens on the property. Additionally, the mortgage lender should agree to add a PACE loan.

Ygrene officials did not respond to requests for comment. But a company official told the legislative committee that the bill would “unequivocally kill residential PACE.” Crystal Crawford, then vice-chairman of Ygrene, told the committee in May that the bill was “not a consumer protection bill – it’s a bank protection bill” .

Ohio’s limited experience with PACE illustrated how the program, with sufficient oversight, could be a low-cost option for borrowers. The Port Authority of Toledo-Lucas County has implemented a pilot program allowing residents to borrow money for energy-saving projects without paying high interest or fees. A local nonprofit, the Lucas County Land Bank, made sure borrowers had the means to repay loans, connected homeowners with contractors, and made sure home improvements were made. properly completed before releasing the loans.

Ygrene announced in August that she had suspended the granting of PACE residential loans in Missouri and California, but continued to provide PACE residential loans in Florida and PACE commercial loans in more than two dozen states. Commercial loans have not attracted as much attention from regulators because they tend to involve borrowers with more experience and access to capital who are not as likely as residential borrowers to default.

More recently, the Ygrene website suggests that instead of providing loans directly, Ygrene now operates as an online lending marketplace where consumers looking for personal home improvement loans can enter personal information and receive offers from third-party lenders.

The lawsuit filed by the Federal Trade Commission and the California Department of Justice alleges that the company misled consumers about the potential financial impact of its financing and registered liens on borrowers’ homes without their consent. To solve the case, Ygrene has agreed to provide financial assistance to certain borrowers, end allegedly deceptive practices, and meaningfully supervise contractors who act as its sales force. The settlement must be approved by a judge.

Ygrene said in an email that the complaints date back to the “early days” of the company marketing PACE loans in 2015 and that it has since taken “extensive steps” to protect consumers.

“We deeply regret any negative consequences any customer may have suffered, as even one unhappy customer is too much,” the company said.

Bondi Beach property prices are destroying Australia’s dream of egalitarianism


It’s hard to flaunt your wealth in a bikini or a pair of budgie smugglers, but Bondi Beach is an unlikely socialist haven.

The median price for a two-bedroom apartment in 2022 is $1.57 million, while a three-bedroom house costs $3.7 million. Median rental prices are equally tempting – $780 per week for the two beds and $1,450 for a family home.

Yet mainstream wisdom still says that class barriers are washed away on Australia’s most famous stretch of sand.

The tension rises on the return from the beach.Credit:Flavio Brancaleone

“Everyone is equal on the beach,” says restaurateur Maurice Terzini, whose Icebergs Dining and Bar, perched at the southern end of Bondi Beach, is an icon of Sydney’s dining landscape. “We have this beautiful public space and what it offers is open to everyone.”

This includes billionaire James Packer, whose 2014 street brawl with former Nine chief executive David Gyngell made international headlines.

Bondi’s tabloid reputation was also cemented in 2006 when hotel heiress and reality TV star Paris Hilton received the red carpet from former Waverley Mayor George Newhouse, who exclaimed: “I must say that Paris is welcome in Bondi at any time.

No wonder the current Mayor of Waverley, Paula Masselos, insists that Bondi Beach is an egalitarian place. “Half the time you wouldn’t know someone was a judge or a bricklayer or a tourist until you had a chat,” she says. “It’s what makes our beach extra special and it’s something I guard jealously.”

Bondi rolled out the red carpet for Paris Hilton in 2006.

Bondi rolled out the red carpet for Paris Hilton in 2006.Credit:Steve Lunam

Masselos’ view echoes graffiti once scrawled on the seawall near the Bondi Surf Life Saving Club: “The rich come here to escape and the poor come here to dream.”

Billionaires, bricklayers and backpackers might be happy to share the sand and surf. But a turf war is raging in the streets behind the beach where locals fear Bondi Beach is being ‘choked to death’ by developers trying to squeeze too many people into the suburbs.

Waverley Mayor Paula Masselos wants to preserve the egalitarian character of Bondi Beach.

Waverley Mayor Paula Masselos wants to preserve the egalitarian character of Bondi Beach.Credit:James Alcock

Multimillion-dollar apartments and the conversion of homes to Airbnb-style rentals are adding to fears that Bondi Beach could become an enclave for the wealthy.

Bondi Beach Precinct co-organizer Lenore Kulakauskas said the suburb had been turned into a “constant construction zone”.

“We’ve all experienced vibrations in our buildings and suspicious new hairline cracks in our old buildings located blocks away from multiple construction sites,” she says. “The noise is constant, the disruption of foot traffic is constant.”

Kulakauskas says there were very few neighborhood stores left and “everything sold here has become more expensive.”

“The colorful jumble of buildings is replaced by boring gray McApartments,” she said.

Bondi has become a “constant construction zone,” says Bondi Beach Precinct co-host Lenore Kulakauskas.

Bondi has become a “constant construction zone,” says Bondi Beach Precinct co-host Lenore Kulakauskas.Credit:Edwina Pickles

Terzini fears Bondi Beach has lost some of its youth and vibrancy, as soaring property prices make the suburbs unaffordable for some people.

“Twenty years ago there was a house party every night,” he says. “Literally, you were leaving work and there were parties everywhere. Today, at 10 o’clock in the evening, it is dead.

Masselos says developers are pushing projects that ignore local planning rules and build buildings that create wind tunnels, traffic jams and overshadow neighbors, robbing them of their privacy.

“Worse than that, often what’s built isn’t what people want and it’s not affordable,” she says. “I heard of a one-bedroom apartment in this area that costs $2 million. How affordable is it? »

The leader of developer lobby group Urban Taskforce, Tom Forrest, said the quality of Bondi Beach’s housing stock was “desperately in need of renewal”.

“Overseas visitors are impressed by the beautiful beach, but the suburb itself hasn’t moved from the backpacker fraternity milieu it developed in the 1970s,” he says.

A developer lobby group says the development is funding real improvements to Bondi.

A developer lobby group says the development is funding real improvements to Bondi.Credit:Edwina Pickles

Forrest said the vast majority of improvements to public amenities over the past 15 years have been funded by levies from developers: “The only parts of Bondi Beach with even footpaths are those that have been replaced or repaired by developers. .”

Forrest says the council has spent too much time navel-gazing and funding staff to oppose development instead of improving the suburb.

“Rather than just preserving Bondi as an asp, the Mayor of Waverley should think about how development can fund real improvements for the Bondi Beach community,” he says.

Bondi Born swimwear brand founder Dale McCarthy says the world’s best cities protect their beauty, character and quality of life through thoughtful long-term planning.

“It can’t just be developer greed and the board’s short-term revenue needs,” she says. “I fear Waverley Council – who were responsible for Bondi Junction – are also responsible for the future of Bondi town planning.”


Similar tensions over property development can be found across Sydney, but few suburbs also face the crush of visitors to Bondi Beach.

And nowhere else in Sydney has traffic jams and crowded buses been fought over rather than a train line that could make it too easy for residents of western Sydney to enjoy a day at the beach. .

Yet tourists are the backbone of the local economy. Without them businesses have struggled to make money and find staff, especially in the cafes and restaurants that are an integral part of the Bondi experience, said the president of the Bondi Chamber of Commerce and districts, Emmanuel Constantiou.

But hopes are high for a hot, vaxxed summer after years of bushfires, COVID-19 and wet weather. The reopening of Bondi Pavilion and Icebergs Dining and Bar also promises to keep visitors coming back.

Bondi Beach remains popular as a backdrop for events such as Sculpture by the Sea and City2Surf, as well as a beach party for World Pride.

Maurice Terzini, whose Icebergs restaurant is a Bondi institution, fears the suburb has lost some of its vibrancy.

Maurice Terzini, whose Icebergs restaurant is a Bondi institution, fears the suburb has lost some of its vibrancy.Credit:Jamie Barrett

However, events such as the ‘chic picnic’ White Dinner, scheduled for the beach on November 12, and a proposed private beach club on the sand have divided opinion, with some locals worried about the commercialization of the beach. ‘public space.

Kulakauskas says the residents’ group had asked the council to encourage visitors to visit the other beaches and hold events in other areas such as Bondi Junction, Bronte and Tamarama.


“We also don’t want the council trying to do more and more things here, especially in the winter, because it’s nice to have a quiet time,” she says.

Despite concerns about parking and traffic jams, Kulakauskas says the buses were sufficient and “we don’t really see the train to the beach as doable.”

“We’ve always had hoards of visitors to the beach and accept it as if nothing had happened,” she says. “We have the luxury of choosing our swim times to avoid the busiest times of the day.

“Our main fear is that the developers try to block so many people in this small area that it is not overrun with visitors but smothered by its inhabitants, their cars, the additional waste, not to mention the pressure this will put on aging infrastructure.

Kulakauskas’ bleak vision of the future is at odds with the Bondi brand, which sells an idyllic version of Australian life through swimwear, tanning products, beer and reality TV.

McCarthy says the seaside suburb offers “a lifestyle that everyone wants”.

“Anyone who wants to live their best life is drawn to it, and its laid-back style invites them to be who they want to be,” she says.

Local historian Lawrie Williams says the demographics and attitudes of Bondi Beach have changed dramatically since he joined the North Bondi Surf Life Saving Club as a teenager in 1971.

Back then, it was a working-class suburb whose residents knew which pubs to avoid and when to close the windows to get rid of the stench of Sydney’s sewage draining straight into the ocean.

Bondi was much more popular in the 1970s.

Bondi was much more popular in the 1970s.

“Developers have always been drawn to Bondi Beach,” he says. “This dates back to the extension of the tram line to the beach in 1894, providing an efficient public transport system linking Bondi to the city and beyond.”

Still, Williams says the suburb nurtures a “great sense of community” through local sports and volunteer groups, such as surf lifesaving and the Bondi Icebergs Winter Swimming Club.

“These clubs and organizations provide the glue that binds locals and others together to provide invaluable community service and at the same time give people a sense of belonging and a sense that they are contributing to a greater cause,” he says. .

Bondi Rescue lifeguard Anthony

Bondi Rescue lifeguard Anthony “Harries” Carroll enjoys surfing with beginners and amateurs alike.Credit:Louise Kennerley

Bondi Rescue Lifeguard Anthony “Harries” Carroll also points to the community ethos embodied by lifeguards on the beach and the weekly Fluro Friday sessions where surfers gather to raise mental health awareness.

Carroll also embraces the flotilla of surfers waiting to catch the perfect wave.


“People don’t like to surf with beginners and crowds,” he says. “But I love it – you meet such a diverse range of people in surfing having the time of their lives.”

The Morning Edition newsletter is our guide to the most important and interesting stories, analysis and ideas of the day. register here.

Coast Guard icebreaker returns home after four-month Arctic deployment – Coast Guard News


Senior Chief Matthew Fritchey speaks to members of the media at Coast Guard Base Seattle following the return of U.S. Coast Guard Cutter Healy (WAGB 20) to homeport, Nov. 11, 2022. (Card Photo American coast by Master Steve Strohmaier)

SEATTLE — The U.S. Coast Guard Cutter Healy (WAGB 20) returned to her homeport of Seattle Friday after a historic 17,000-mile, 124-day deployment to the high Arctic latitudes that included a transit to the North Pole.

The crew’s efforts demonstrated interoperability in the polar region, supported United States security objectives, and projected an ice-resistant presence in Arctic waters and the Gulf of Alaska.

“It is more important than ever to ensure security and sovereign presence in the Arctic and to expand oceanographic research to understand the impacts of environmental change,” said Captain Kenneth Boda, commanding officer of Coast Guard Cutter Healy. “Healy’s crew is proud to have accomplished this mission to the North Pole and back, advancing American interests across the Arctic Ocean.”

Commissioned in 2000, Healy is a 420ft medium icebreaker and oceanographic research platform with unique capabilities. Healy’s crew crossed the icy Arctic Ocean to the top of the world, reaching the geographic North Pole on September 30, 2022. It was only the second time a US surface ship had reached 90 degrees north without being accompanied.

In July and August, after a stopover in Seward, Alaska, Healy traveled to the Beaufort and Chukchi Seas, going as far north as 78 degrees, while supporting a team sponsored by the Office of Naval Research from the Department of Applied Physics at the University of Washington and Woods Hole Institute of Oceanography. The onboard team worked with Healy’s crew to conduct various evolutions, including the deployment and recovery of sea gliders, underwater sensors and sonobuoys, in marginal and pack ice areas as part of the system of mobile observation of the Arctic.

During transits to and from the Arctic, Healy participated in flight operations in Kotzebue Sound and off Kodiak Island, Alaska with the crews of Air Station Kodiak MH-60 helicopters. , conducted overtaking exercises with the Coast Guard Cutter Kimball (WMSL 756), and completed patrols of the international maritime border between the United States and Russia.

In September and October, after a stopover in Dutch Harbor, Alaska, Healy again transited north to conduct internationally collaborative multidisciplinary research as part of the Synoptic Arctic Survey. The National Science Foundation-funded team collected samples and data to study environmental changes in the Arctic Ocean. Upon reaching the North Pole, Healy conducted two days of scientific operations and the crew enjoyed several hours of freedom in the ice.

After disembarking all science personnel during a second logistics stop at Dutch Harbor in late October, Healy made a final stop in Juneau, Alaska, where friends and family of crew members had the opportunity to sail on the cutter during its last running leg. through the inside passage to Seattle.

The Coast Guard provides the United States’ most active and visible surface presence in the polar regions and is currently recapitalizing its fleet of polar icebreakers to ensure continued access to these regions in support of economic, commercial , maritime and national security of the nation.

The operational Polar fleet currently includes the Healy and the Coast Guard Cutter Polar Star (WAGB 10), a 399ft heavy icebreaker commissioned in 1976. These cutters are designed for open water icebreaking and feature reinforced hulls and specially angled arches.

Polar security cutters will enable the United States to maintain defense readiness in the Arctic and Antarctic regions; enforce treaties and other laws necessary to protect both industry and the environment; ensure the security of ports, waterways and coastlines; and provide logistical support – including vessel escort – to facilitate the movement of goods and personnel needed to support scientific research, commerce, national security activities and maritime security.

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Illini Insider: 329 Window AC Units for Allen Hall, Honorary Degree for Lou Liay, Engineering Honor for YouTube Co-Founders | New


This story appeared in “Meeting Minutes & More”, a six-page weekly special section in the Friday print editions of the News-Gazette reported and written by editor Jeff D’Alessio and designed by editor Joel Leizer. Click here to read an electronic version of this week’s section. Click here to subscribe to The News-Gazette.

COVID-19 cases on campus are down (47 in the last seven days), football attendance is up (but Saturday’s home final against Purdue isn’t sold out yet, we told sports ticket czar Jason Hegemeyer said Thursday) and — how’s that for good news to start your weekend — University of Illinois trustees will vote next week on a recommendation to award an honorary degree in the spring to “Mr. Illini” himself, Lou Liay.

Here’s a quick look at what’s making the news on and off campus.

MMM UI Francis Family


As for the Illini families, they are no more orange and blue than the one led by Fred (animal science ’40) and Helen Francis (home economics ’41). The total tally, which will grow in the coming years: 12 graduates from UI (including seven from the College of Agricultural, Consumer and Environmental Sciences) and 15 graduates from UIUC (plus one from IU-Chicago). More than 80 years after Fred became the first, the Francises were honored with the college’s Family Spirit Award at the ACES Alumni Gala at Champaign’s Pear Tree Estate.

MMM UI Aerospace Engineering Phillip Ansell

Philip Ansell


How can the aeronautical industry be made less dependent on kerosene (100 billion gallons per year worldwide) and more economically and ecologically viable? That’s one of the questions the director of UI’s new Center for Sustainable Aviation – Phillip Ansell, of aerospace engineering – hopes to answer. It will do this by drawing on experts in “electrical engineering, agriculture, atmospheric science, political science, biology, chemistry and other physical and social sciences, because this is not just an environmental concern or of natural resources”.

MMM UI Chemistry Martin Burke

Martin Burk


Add another big honor to Martin Burke’s resume that has it: UI SHIELD team leader, Presidential Medal winner May and Professor Ving Lee for Chemical Innovation, elected to the National Academy of Medicine . It is considered “one of the highest honors in the fields of health and medicine and recognizes individuals who have demonstrated outstanding professional achievement and commitment to service,” the academy said in announcing its 2022 class of 100 international scholars and leaders, bringing its total to just over 2,200.

MMM Computer UI Steve Chen

Steve Chen


The Grainger Engineering Hall of Fame has grown to three people – all computer science successes. Two inductees from the Class of 2022 were among YouTube’s three creators – Steve Chen (pictured) and 2004 alum Jawed Karim, who both made their fortunes selling the internet’s second most visited website to No.1 of the list, Google. Also honoured: Wind River Systems founder and dual-degree graduate Jay Fiddler (BS ’74, MS ’77) for developing “real-time embedded software products, including those used in the Mars Pathfinder and Stardust projects “.

MMM Sigma Gamma Rho Sorority


By order of the mayor’s proclamation, Saturday is Sigma Gamma Rao Day in CU, Urbana Mayor Diane Marlin announced this week as City Council Member and Chapter President Chaundra Bishop and others look on. sorority sisters. The historically African-American sorority, founded 100 years ago this month by seven Butler University educators, has undergraduate (Delta Rho) and graduate (Delta Omega Sigma) chapters locally. They’ll be celebrating over pizza from 7-10 p.m. tonight at Papa Del’s. The public is welcome.

MMM UI Information Science Anita Nikolich

Anita Nikolich


In 2021 alone, 92,000 American adults age 60 and older fell victim to a $1.7 billion online scam, according to the FBI’s Internet Crime Complaint Center. But they are “often embarrassed to admit that they have fallen in love with them”, notes Anita Nikolich. The iSchool cybersecurity researcher is doing her part to fight on their behalf, as co-principal investigator of a two-year, $5 million National Science Foundation-funded project to create digital tools to help the elderly to “better recognize and protect themselves”. online deceptions and other forms of misinformation.

MMM UI Media Martin Scorsese


Worth 2 minutes and 28 seconds of your time on YouTube: Oscar-winning director Martin Scorsese’s tribute to Urbana’s favorite son, Roger Ebert, who premiered at the start of the university’s first Roger Ebert Lecture. “I can’t help but speak personally because Roger was the very first person, very early in my life as a filmmaker, to bring attention to my work,” Scorsese says. “…And over the years he has championed my films, he has written and spoken about them with great care and insight – and criticism – and has always been there for me when I needed help. support of one kind or another.”

MMM UI physics


By now, Professor Jeff Filippini should have joined his team of 16 for an unforgettable field trip… to Antarctica. Their job: Install a telescope – called SPIDER – on a stadium-sized balloon, then launch it 36 ​​miles above the Antarctic ice, to observe the universe from near space. Their hope: to find evidence of ripples in spacetime from the beginning of the universe. Filippini leads a team drawn from seven institutions, including Illinois, the University of Chicago and Princeton. You can follow their NASA-funded adventure from the South Pole on Twitter at @SPIDER_CMB.

MMM UI Social Work Rachel Garthe

Rachel Garthe


Assistant Professor Rachel Garthe will lead an eight-person multidisciplinary team on a four-year project funded by the Department of Justice’s Office on Violence Against Women. Grant title/mission: “Building a digital ecosystem to support survivors and reduce gender-based violence on college campuses.” Garthe’s teammates include Nicole Allen (now of Vanderbilt), William Sullivan (Fine + Applied Arts), Sanjay Patel (Engineering), Gabrielle Schwartz (Women’s Resources Center), and Kaylee Lukacena and Cristina Alvarez-Mingote (Center for Social and Behavioral Science ).

MMM UI Harlem Globetrotters


Booked for an on-campus throwback performance of the Illini icon who founded the team they dress up for: the Clown Princes of Basketball. No, not you, Indiana, but the Harlem Globetrotters, whose 2023 world tour includes a show Jan. 11 at the State Farm Center. A roster including ‘Hammer’ Harrison, ‘Hot Shot’ Swanson, ‘Buckets’ Barrera, ‘Moose’ Weekes (pictured), ‘Sweet’ Lou Dunbar II and other high-flying shot-makers will undoubtedly beat the shots of fist bag sport’s most infamous – the Washington Generals – on Lou Henson Court.

MMM UI Allen Hall Exterior


Thursday’s advance copy of next week’s trustees’ agenda brought good news to future residents of Allen Hall: air conditioning is likely on the way. A proposal backed by UI President Tim Killeen and put to a vote Thursday in Chicago calls for the installation of 329 new window air conditioning units “to improve the living experience” and the addition of power outlets “to support building services functions”, including in hallways. The total cost: $5.15 million, or 1/127th of what the unemployment insurance system will ask for in its state appropriation.

UI Vet Med Annette McCoy

Annette McCoy


In two news stories related to horse care: Associate Professor of Equine Surgery Annette McCoy (above) has been elected to the board of directors of the 2,300-member American College of Veterinary Surgeons, and the Hospital d IU Veterinary Education added Tobias Harris, originally from Oregon. , Certified Journeyman Farrier (Equine Hoof Care Specialist) with the American Farriers Association. UI Hospital provides services to both the Large Animal Clinic in Urbana and the Midwest Equine Clinic in Farmer City.

Melting Glaciers Reveal Centuries-Old Objects Covered in Ice


Melting glaciers reveal lost artifacts that have been buried in ice for centuries. As the glaciers melt, ancient artifacts lost for hundreds or even thousands of years are still being discovered.

(Photo: Photo by JOHAN ORDONEZ/AFP via Getty Images)

Melting of the glaciers

Large blocks of ice, or glaciers, continually change and move due to their weight. Glaciers are important to local ecosystems in some places because they provide water all year round. The United Nations Educational, Scientific and Cultural Organization (UNESCO) has designated many glaciers as Beloved Places and Landmarks.

Although glaciers are continually moving, several have retreated recently due to climate change. According to a recent report by UNESCO and the International Union for Conservation of Nature (IUCN), many glaciers on earth could disappear by 2050.

Read also : European heatwaves melt glaciers, revealing Viking weapons buried in ice

Find long-lost items

China's monsoon glaciers are retreating at an alarming rate

(Photo: Photo by Kevin Frayer/Getty Images)

Explorers discover long-lost relics locked in ice as glaciers melt. More recently, ice-covered objects have been recovered from the Walsh Glacier in Kluane National Park and Reserve in Canada’s Yukon Territory.

A camera cache, tents and climbing gear were discovered by Teton Gravity Research, glaciologist Dorota Medrzycka and professional mountaineer Griffin Post.

The craft was abandoned by mountaineers Bradford Washburn and Robert Bates in 1937 while exploring the area.

According to Post, who has spent the past 18 months investigating the Welsh Glacier, as glaciers around the world continue to shift and change, many more relics may be waiting to be discovered.

While it’s difficult to determine how much climate change contributed to the discovery of the equipment, Post said it “certainly contributed to [their] simpler task.”

We’re starting to see more evidence of various things and artifacts melting, Post said, especially in the Alps, where humans have been on glaciers for much longer than in other parts of North America.

In the melting of the glaciers from the Swiss Alps in August, two sets of decades-old human remains and aircraft debris were discovered.

More than 2,000 objects, including Iron Age and Bronze Age weapons, have been discovered in the mountains of Oppland, Norway, by a team of experts from Norway and the United Kingdom in 2018. As the ice rapidly melts, experts race to find artifacts. hidden in the glaciers.

In 1991, a mummy was also found in a glacier not far from the Italian-Austrian border. Its age was discovered at 5,300 years.

These findings can also help scientists understand how glaciers change over time. Scientists will now attempt to recover the undeveloped photos from the camera using artifacts discovered during the discovery of the Welsh glacier. This should allow climatologists to compare the glacier’s appearance in the 1930s to that of today.

Occur more often

Researchers can track the glacier’s movements over time thanks to the camera’s discovery nearly 12 miles from its original location.

Regarding North America, where many of the first exploratory expeditions took place in the Yukon in the 1930s, Post said, “I think there will be more artifacts that will over-melt than expeditions have been abandoned in the past and hopefully there will be enough historical record to see where these artifacts began their journey and where they ended.”

Related article: UN warns major glaciers could disappear by 2050

For Environment News, don’t forget to follow Nature World News!

© 2022 NatureWorldNews.com All rights reserved. Do not reproduce without permission.

Welcome the holiday season with these exquisite Christmas gifts



In this festive season, Maxime Frédéric, Pastry Chef of Cheval Blanc Paris, immerses guests in the magical memories of yesteryear through his edible creation, a delicate Christmas log rocking horse inspired by a gourmet tale. Maxime Frédéric’s interpretation of this much-loved toy sparks reverie and imagination with its intense chocolate and hazelnut flavors and consists of two parts:

  • The rocker and horse body are assembled like a bold chocolate shell to replicate the motion of a wooden rocking horse while the amber hue of the chocolate creation perfectly mirrors the wooden design of the toy. These details are highlighted through juxtaposed layers of chocolate, each in varying percentages of cocoa. The rocker, meanwhile, is a gourmet bar topped with crispy Gianduja.
  • Delicately placed at the foot of the toy, a sweet dessert created from a hazelnut dacquoise, a praline and a crispy shortbread. As well as a light mousse topped with a vanilla caramel and embellished with medallions, reproducing those of the historic Samaritaine building.

The horse’s “shell” is made to be broken into a thousand sweet shards, promoting a deliciously shared moment with accents of joy and gluttony.


From a holiday-themed afternoon tea and Thanksgiving turkey feast, to their famous Christmas tree lighting ceremony and homemade Baur au Lac gifts – the team is thrilled to have all of their beloved traditions returning once again this festive season. Plus, their iconic Chalet au Lac returns to the park with not one, but two cozy alpine chalets for delicious seasonal meals with family, friends and business partners.

More information here.


For the 2022 Christmas season, pastry chef Pascal Hainigue offers a new take on the traditional delight with an arctic scene “frozen” in time. A deep-rooted devotion to Christmas cheer sweeps through Le Bristol Paris’ pastry kitchen this festive season. For Pastry Chef Pascal Hainigue, who grew up in Alsace where the Christmas period is elevated to the rank of culture in its own right, the end of the year period inspires a strong enchantment and a particular affection for the Yule log – a ritual Christmas at the Bristol Paris.

For his 2022 creation, Pascal Hainigue has abandoned the usual dominance of dark or milk chocolate for a dessert made in pure white. Sculpted using molds handmade by the chef himself for the occasion, the log represents seven individually shaped icebergs and a polar bear crossing them delicately. Like an arctic scene frozen in time, the sculptural cake is as light as it is original. Each large segment of iceberg is developed into 3 delicate layers of dacquoise composed of hazelnut and chestnut meringue, chestnut cream filling and calamansi jelly for a delicious hint of tangy citrus. Miniature icebergs are made from a smooth base of hazelnut praline.


Between December 21, 2022 and January 8, 2023, JOALI Maldives, the country’s first and only art-immersive resort, is thrilled to kick off its festive pop art-themed ‘Rejoice of Colours’ celebrations, the island filled with art being vividly decorated in a truly festive display.

JOALI Maldives is a magical destination to celebrate the holiday season with loved ones, with a selection of 73 impeccably designed over-water and beach villas, ranging from T1 to T5, as well as five gourmet restaurants and a wonderful ESPA spa. In keeping with the holiday spirit, JOALI Maldives has created a festive three-week calendar filled with unique and memorable experiences to bring loved ones together.

What is ESA’s Moonlight Initiative?


Exclusive photos of a polar bear mother with her 3 cubs at the North Pole


While cruising to the North Pole on a nuclear-powered icebreaker, a Russian wildlife photographer took a stunning series of photos of a mother polar bear and her three cubs. The rare sighting was instantly cause for celebration.

IT entrepreneur by day, Dmitry Kokh, 42, lives in Moscow and travels a lot. He described his spring trip to the North Pole as “very exciting” as the birth of three cubs is a “rare occurrence in nature”.

“Our expedition leader had not had such an encounter in his 26 voyages,” he told The Epoch Times.

Kokh used a drone with low-noise propellers to avoid disturbing the bears.

(Courtesy of Dmitry Kokh)

While passing Franz Josef Land, a large archipelago in the north, the crew spotted an Ivory Gull. It is a rather rare bird in these regions that very often accompanies polar bears, Kokh wrote on his Notion page. His expedition leader said to be on the lookout for bears after spotting the seagull.

“We kept our eyes peeled, and soon a bright spot appeared on the horizon,” he wrote.

The luminous dot, a mother bear, was soon accompanied by three smaller dots: her cubs. Kokh jumped at the chance to record the rare sighting, first viewing the shots he wanted before launching his drone from a safe distance.

Epoch Times Photo
(Courtesy of Dmitry Kokh)
Epoch Times Photo
(Courtesy of Dmitry Kokh)
Epoch Times Photo
(Courtesy of Dmitry Kokh)
Epoch Times Photo
(Courtesy of Dmitry Kokh)

“[The mother] approached the ship, peered into the thawed area of ​​ice, as if expecting a seal. The cubs curled up in a ball behind her and slept peacefully. At one point, she tilted her head, closed her eyes, and froze. I took the picture,” he wrote.

Besides the joy of observation, Kokh’s lucky shots lent him a platform for his message. He calls his favorite image from the series “A Home Divided.”

He told The Epoch Times, “Polar bears and humans exist in two different worlds. We wake up to our smartphone alarms, go to the office to buy lunch, force ourselves to the gym to work on that lunch, then go to the bar looking to forget the day in the bottom of a drink. The bear just lives, and to live he doesn’t need a Gucci bag or a TikTok stream.

Our progress is “relentless,” says Kokh; as our technologies advance, we are destroying forests and devastating the oceans. The irony of making this observation from a 75,000 horsepower nuclear-powered iron ship, breaking through 3-meter-thick ice to clear the way for ocean transit, was not lost on Kokh. He thinks the human-animal world is increasingly divided.

Epoch Times Photo
(Courtesy of Dmitry Kokh)
Epoch Times Photo
(Courtesy of Dmitry Kokh)
Epoch Times Photo
(Courtesy of Dmitry Kokh)

Past photos by Kokh, showing polar bears on Kolyuchin Island in the Arctic’s Chukchi Sea using an abandoned cabin for shelter, have won awards for wildlife photographer of the year in the Arctic. the Urban Wildlife and Highly Commended categories. Kokh is grateful that his work sparks “conversations and reflections” among people who have the power to make a difference.

He first fell in love with photography when he was a child. Scuba diving has opened up a world of possibilities. He claims it’s an “unglamorous life”, but he’s addicted to thrill seeking. “It’s a gamble it’s easy to get addicted,” he wrote. “The more you shoot, the higher the stakes.”

Kokh has been featured in publications such as National Geographic, Ocean Geographic and The Guardian. He has traveled to the most remote Russia, Antarctica, Norway, the Red Sea, Cuba, Africa, South and Southeast Asia, and has South America on his radar for a future expedition.

“I would love to photograph an anaconda underwater!” he told The Epoch Times.

Epoch Times Photo
(Courtesy of Dmitry Kokh)
Epoch Times Photo
(Courtesy of Dmitry Kokh)
Epoch Times Photo
(Courtesy of Dmitry Kokh)

Share your stories with us at [email protected], and keep getting your daily dose of inspiration by signing up for the Inspired newsletter at TheEpochTimes.com/newsletter

Louise Rooms


Louise Chambers is a writer born and raised in London, England. She covers inspirational news and human interest stories.

Nike Air Max Plus “Ice” FD9767-100


As Jordan Brand prepares a “Fire and Ice” pack for Sion Williamson and his Jordan Zion 2the retooled Air Max Plus is set to launch its own version of the latter scheme, using a waterbending aesthetic on the most recent youth-oriented proposal.

Centered on a sky blue to white gradient that takes up the entirety of the mesh upper, ice blue accents further claim the lace loops and jewel tongue in a bid to break up the monochromatic ensemble presented above by a tongue clean white, sock and laces. Contrasting the titular colored midfoot, the semi-translucent gray cage works in tandem with a glossy jet black mudguard to darken the overall scheme – which continues through the midfoot leather overlay and finishes along the “Tuned Air” heel counter. Restoring its lightened tone through a white midsole, the main blue inclusion finishes along the Swoosh, midfoot shank and Air Max cushioned sole underfoot whose medial side engages the transition from fire to ice with a rarely orange treatment.

As we await the expected release date of the exclusive elementary school pair, enjoy official images of the Nike Air Max Plus “Ice” below in the meantime.

In other news from the Beaverton-based brand, find out where to face Zion Air Jordan 1 Low “Voodoo” coming out tomorrow.

Or buy

Be sure to follow @kicksfinder for live tweets during the release date.

Nike Air Max Plus “”Ice””
Release date: 2022
Color: N/A

Primary school: N/A
Style Code: FD9767-100

Cash advance apps that don’t use Plaid


LukaTDB / iStock.com

Before the digital age, people would sometimes visit storefronts that offered something called payday loans. With exorbitant interest rates, these companies would provide an upfront payment when you need it, using your next paycheck as collateral.

For the unbanked or those who did not have enough credit to secure a credit card, these loans could be a lifeline to put food on the table, help prevent a repossessed car, save electricity or pay rent. These loans could also be used for emergencies like car repairs, medical issues, or sudden death in the family.

But they came at a high price. The Consumer Financial Protection Bureau reports that the average payday loan is $320, but the average interest on this loan is $520.

Today, payday loans have largely been replaced by cash advance applications. The apps serve the same purpose: to provide money to people before payday to get through a difficult situation. While some charge interest and fees, others don’t charge fees unless you need the money fast. But, let’s face it, if you’re using a cash advance app, it’s probably an emergency which requires accelerating funds.

Still, fees on cash advance apps tend to be lower than payday loans, and many have no interest charges. But most require you to download an app called Plaid that links all your bank accounts and financial apps for added security and ease of use. Some people avoid Plaid because it forces them to tie their Bank account to a third-party application that is not their payment provider. In other words, Plaid is an intermediary in transactions between consumers, banks and payment platforms, including many cash advance applications. Users can trust whatever app they’re using, whether it’s PayPal or a cash advance app – but they may be hesitant to trust a third party they haven’t researched or, in some cases, haven’t even heard of.

What is a plaid?

Plaid powers many well-known financial apps, including Venmo, Improvement, Carillon and David. Plaid connects to more than 11,000 financial institutions in North America and Europe, according to the company’s website.

Plaid encrypts the data and transmits it securely, acting as an intermediary between the bank and financial apps and the businesses or consumers who use the applications.

Is Plaid Trustworthy?

Plaid uses security and encryption protocols to protect your data. It also offers 2-factor authentication protocols, which some banks may not. Plaid offers convenience and security when it comes to managing your money online. Company Terms of Use promise never to rent or sell your information to other companies, allowing you to control which companies have access to your data and specifically what data may be shared with those companies.

However, even with protocols and certifications in place, Plaid has faced a class action lawsuit alleging the company took “inappropriate steps” when securing connections between users’ bank accounts and online apps or apps. financial services, according to a Fox29 report. The lawsuit alleged that Plaid obtained more data than necessary for transactions and also obtained user login credentials through its interface, Plaid Link. Plaid users between January 2013 and November 19, 2021 may have received money as part of the class action. However, the lawsuit took place before the acquisition of Plaid by Visathe most reputable and largest credit card network in the United States

Still, the bad publicity, especially for security and finance apps, tends to persist, and many people may be hesitant to download Plaid for their personal banking and finance needs. You may be wondering, is there cash advance apps who doesn’t use Plaid?

Luckily, yes, there are cash advance or earned salary apps that don’t use Plaid.

Cash advance apps that don’t use Plaid

If you’re looking for cash advance apps that don’t use Plaid, keep reading to learn more about them.

1. Advance B9

B9 Advance is a membership service cash advance app which gives you instant access to 100% of your salary once your account is created. Membership fees range from $9.99 to $19.99, depending on your membership level. The $9.99 Basic Account allows you to withdraw up to $300 instantly during each payment cycle.

To use B9, you must have a current account configured to receive direct deposits from your employer. According to B9’s privacy policy, users can log into the B9 cash advance application through Argyle Systems instead of Plaid, but only if their employer uses Argyle to manage employee data. Otherwise, you will need to use Plaid to log in and receive your prepayment.

You must also have earned at least $300 via direct deposit within the past two weeks before receiving an in-app cash advance to avail of the service.

2.Cash Master

CashMaster offers a variety of services, including title loans, loans secured by your vehicle as collateral, and cash advances or payday loans from $50 to $500. If you prefer not to use the app, you can receive a check advance in person at a CashMaster store at Tennessee Where Alabama.

Otherwise, you can download the Cashmaster app. You will need to provide photo ID, current bank statement, proof of income and social Security verification.

3. Line

Available as an app for Android or Apple, Line gives users access for between $20 and $1,000, depending on the service plan they choose. Currently, for just $1.97 per month, you can access up to $100 in funds, direct deposit into your account at no additional cost. You can also get instant delivery on a Line debit card for $4.

The $9.97 plan gives you access to $500, which can gradually increase to $1,000 with your one-time payments.

Line offers the ability to collect information through a payment processor that facilitates a transfer to your Bank account, or through a third-party secure access tool “such as Plaid”. This means that depending on your bank and account setup, Line may or may not use Plaid.

4. Daily payment

DailyPay is a cash advance application provided as a service by many employers, including Kroger, McDonald’sLid, T-Mobile, dollar tree and Six Flags. Once you’ve created your account, you can access your payment in advance, immediately, and have it sent to your bank account, debit card or prepaid card instantly for one low fee or the next day. You can also refer friends and colleagues to DailyPay and earn an extra $5 when they sign up and access their pay through the app.

The app also lets you set up the AutoSAVE, DirectSAVE, and RoundupSAVE tools, making it easy to manage your money and set up an emergency savings account to reduce your reliance on cash advances. AutoSAVE lets you save a set amount each payday, while DirectSAVE lets you choose how much you want to save each time you get paid. RoundupSAVE transfers money into your savings account each time you make an advance transfer using the DailyPay app.

unlike others cash advance apps, DailyPay does not mention Plaid in its privacy policy. This indicates that you can choose to create or complete your account using a third-party website or service. However, this does not seem necessary if you use DailyPay’s online registration form and provide an email address, postal address, mobile phone number, date of birth, proof of identity and password. outmoded.


The Dave ExtraCash Account gives you access to up to $500, which you repay the next time you get paid or – if Dave can’t determine your next payday – the nearest Friday after withdrawing the advance. You’ll receive the funds in 1-3 business days with no fees, or you can pay between 99 cents and $6.99 to have the money deposited into your Dave Spending account in seconds. For a fee ranging from $2.99 ​​to $11.99, you can have the funds transferred to an external bank account.

According to Dave’s privacy policy, Dave uses Plaid or Galileo to transfer information between the platform and your financial institution, making Dave one of the cash advance apps that doesn’t necessarily use Plaid.

Final grip

If you use peer-to-peer payment platforms, it may be harder to find cash advance apps that don’t use Plaid as a third-party intermediary between the platform and your financial institution. But some cash advance apps use other ways to receive and verify Bank account information, including third-party services like Argyle Systems or Galileo Financial Technology.


  • Which apps give you instant cash advances?
    • Once your account is set up, the B9 app gives you instant access to up to 100% of your salary as a premium member and $300 with their basic account. CashMaster also provides immediate cash advances in person or through the app. Line gives you instant access to funds on a debit card for one low fee. DailyPay lets you start accessing your payroll from day one of using the app. For a small fee, you can receive cash instantly into your Dave Spending account using Dave ExtraCash.
  • Does Brigit use Plaid?
    • Like many cash advance apps, Brigit uses Plaid to connect her platform to your financial institution.
  • Which app will give me $100?
    • Line, B9, CashMaster and DailyPay users can instantly access $100 depending on the membership plan you choose and the amount of your paycheck.
  • Does Dave use Plaid?
    • Dave uses Plaid or Galileo Financial Technology to obtain bank account and transaction information.

Information is accurate as of November 7, 2022.

Our in-house research team and on-site financial experts work together to create accurate, unbiased and up-to-date content. We check every stat, quote and fact using trusted primary resources to ensure that the information we provide is correct. You can read more about GOBankingRates processes and standards in our editorial policy.



SEATTLE, November 7, 2022 /PRNewswire/ — Quark Expeditions, the global leader in polar adventures, celebrates the launch of its 2024 Arctic season that offers customers more ways to experience Greenland, Svalbard and the Canadian High Arctic than is possible with any other operator in the region. Plus, the season’s breadth of off-ship experiences ensures there are adventures to satisfy travelers of all interests.

“At the heart of our exciting Arctic 2024 season is the incredible range of immersive polar experiences that no one else offers, all guided by our amazing expedition team,” said Wendy Batchelor, Vice President of Marketing for Quark Expeditions. “We’ve refined our portfolio of off-ship adventure options to suit the tastes of every type of traveler. We’ve also introduced a unique new itinerary in West Greenlandand – based on customer feedback – we are once again welcoming favorite trips to Spitsbergen and the Canadian High Arctic.”

Batchelor was also pleased to confirm that Quark Expeditions is bringing back and expanding the availability of “Tundra to Table: Inuit Culinary Experience,” which was phenomenally successful in its inaugural 2022 season. our Tundra to Table experience, which sold out when it was first introduced last season,” Batchelor added. “Guests enjoyed the opportunity to explore the Inuit cultures of Greenland and the Canadian Arctic through authentic food and storytelling. Having the best expedition team in the Polar Regions allows us to create innovative experiences of this caliber.”

Arctic 2024 Highlights:

  • NEW: Gems of West Greenland: Fjords, Icebergs and Culturea 12-day in-depth exploration along the island’s spectacular west coast
  • The return of busy routes which allow guests to explore with the most experienced team in the Polar Regions, including “Spitsbergen Explorer: Wildlife Capital of the Arctic” and “from Canada Remote Arctic: Northwest Passage to Ellesmere and Axel Heiberg Islands. Many of these trips are offered on our new state-of-the-art ship. Overseas
  • The largest portfolio of off-ship adventure options in the industry, such as Flightseeing, Tundra to Table, Exclusive Heli Landing, Heli Hiking, Ice Sheet Experience, Sea Kayaking and Mountain Bike.

“As leaders in polar adventures, our goal is to ensure guests have the expedition of a lifetime with the best team of polar experts on the planet,” Batchelor said.

See the entire Arctic 2024 season

About Quark Expeditions: Specializing exclusively in shipments to Antarctic and the Arctic, Quark Expeditions® has been the leading innovator of polar adventure since the company took the first group of consumer travelers to the North Pole in 1991. Quark Expeditions has been innovating ever since. With a diverse fleet of specially equipped small expedition vessels and icebreakers, some of which are equipped with helicopters, Quark Expeditions offers deeply immersive polar experiences and is able to take its guests deeper into the polar regions than anyone else. . Led by passionate and seasoned expedition teams, including scientists, wildlife experts and researchers, Quark Expeditions offers an onboard program that enriches the passenger experience.

About Overseas:
advanced technology Overseas, the newest addition to the Quark Expeditions fleet, is a game changer in polar exploration. Equipped with two Airbus 145 twin-engine helicopters, 20 fast-launch Zodiacs and the largest portfolio of off-ship adventure options in the industry, Overseas changes the way guests explore the polar regions. Other features include a spa, sauna with floor-to-ceiling windows, fitness center, yoga space, spacious rooms, and two restaurants plus a lounge and presentation theater. Ultramarine was designed with advanced durability systems that help preserve pristine polar regions for the next generation of explorers. Overseas has an ice class rating of 1A+ and a polar class rating of PC6, which contribute to the vessel’s superior safety standards. The ship’s innovative sustainability features, which help to reduce its environmental footprint, include an automatic micro-gasification system (MAGS), which is able to convert onboard waste into energy, eliminating the need to transport the waste.

About Travelopia: Travelopia is one of the world’s leading specialty travel groups. A pioneer in the experiential travel industry with a portfolio of over 50 independent brands, most of which are industry leaders. From sailing adventures, safaris and sports tours to Arctic expeditions, each brand is diverse and focused on creating unforgettable experiences for customers around the world.


The Italian ultra-cyclist aims to make the first coast-to-coast bicycle crossing of Antarctica | Antarctic


NOTNext week, Omar di Felice will begin a journey no human has yet attempted. The Italian ultra-endurance cyclist will arrive in Hercules Inlet, West Antarctica, and begin pedaling across the ice towards the South Pole. All going well, he will ride for 60 days through almost 2,000 km of dangerous terrain, passing the pole and reaching the Leverett Glacier in mid-January to complete the first ever coast-to-coast bicycle crossing. .

Cycling in Antarctica is a relatively new phenomenon, made possible by the development of wide-tire bicycles called “fatbikes”, which can traverse snowy conditions. The first cycling expedition to Antarctica took place in 2003; in the years that followed, only two men managed to cover the entire distance between Hercules Inlet and the South Pole (about 1,250 km). No one has yet ridden to complete a coast-to-coast crossing of the continent.

“I know it will be a very difficult challenge,” di Felice said, speaking to the Guardian from Italy before flying to Chile and then to the Hercules Inlet airstrip. “I’m not sure I’ll be able to do it – because it’s very hard. But I just want to try, it’s an attempt. It’s a tough attempt, but why not give it a try?

Di Felice is no stranger to ambitious cycling adventures. A former professional road cyclist, the 41-year-old switched to expedition cycling early in his career and has never looked back. In 2014, he became the first cyclist to travel to the North Cape in Norway, near the northern tip of mainland Europe, in winter; he also crossed Alaska, Canada and the Gobi Desert in Mongolia.

Omar di Felice will use a sled to transport the food, clothing and tent he needs for this epic journey. Photography: Sestili Luigi Luigisestili.com/Mirrormedia.art

But the Italian admits that Antarctica will be something else altogether. “Hopefully I’m ready for the most extreme adventure of my life,” he says. “Everyone I talk to says I’m crazy, it’s impossible, the bike won’t pass because of the deep snow and the wind. It’s very difficult for cycling, but I’m just going to explore and find out for myself if it’s possible or not.

Di Felice will depart Hercules Inlet next weekend (weather will determine exactly when his flight can depart from Punta Arenas in southern Chile). The first part of his journey will be the most difficult, sometimes over unchartered terrain – di Felice estimates that he will cover only 20 or 30 km a day. From the South Pole, he will take a road of hard-packed ice that connects the pole to McMurdo Station – where he hopes to travel 50 or 60 km a day.

But di Felice will have to keep up the pace: his authorization to stay in Antarctica expires on January 20. “I’m going to have to be very fast if I want to make the crossing,” he laughs.

Di Felice will tackle this epic journey with a custom steel fatbike. “Carbon is worse than steel in cold conditions,” he says. But even with a dedicated bike, it’s unlikely to ride all the time. Eric Larsen, who attempted to ride from Hercules Inlet to the South Pole in 2013, recently told ExplorersWeb that, given the conditions, “off-road biking in Antarctica means walking your bike.”

While he rides or walks, di Felice will pull a sled carrying his tent, supplies and plenty of warm clothing (temperatures could drop to minus 38°C). It rides unassisted, although it can refuel at the South Pole if necessary (the expedition is not officially considered unassisted by the Polar Expedition Classification System as its route partly follows a constructed ice road ). Di Felice estimates he will consume 4,500 calories a day: a breakfast of muesli and dried fruit, energy bars for lunch while he rides for eight to 10 hours, then a dry meal before bed .

“We can change the world with a bicycle”

Di Felice has dreamed of Antarctica since he was a child, watching films about Italian polar explorers such as Reinhold Messner, the first to cross Antarctica on foot. “Now as a cyclist, ultra-cyclist, I try to mix my work with my passion for polar conditions,” he says. “And this great adventure is a mixture of all my passions.” Di Felice adds that the history of Antarctic exploration stimulates him. “The great adventures of the past inspire me to reach my limits, to exceed my limits.”

But in addition to fulfilling his childhood aspirations, there is a more serious message behind di Felice’s expedition. The cyclist is a climate activist through his Bike to 1.5C project. “It’s a project that connects my adventures to a scientific program to raise awareness of climate change,” he says. “The bicycle is the best vehicle to tell the story of climate change and raise awareness about reducing our carbon footprint.”

Di Felice by bike on a snowy slope
Cycling in Antarctica has only recently become possible, with the advent of wide-tire “fatbikes”. Photography: Sestili Luigi Luigisestili.com/Mirrormedia.art

Last year, di Felice attended Cop26 in Glasgow, traveling to Scotland from Milan. “It was really symbolic – we showed the world that we can change the world, with a bike,” he says. It has also partnered with the Italian Climate Network and the European Space Agency as part of its outreach mission. “We need to tell the story of Antarctica and why Antarctica is so fragile [due to climate change].”

Whether or not di Felice makes history in the coming months, he insists he will be happy with his efforts. “The most important thing is to think you can do it,” he says. “I will be happy even if I don’t reach the other coast.”

He doesn’t think this will be his last expedition either. “The world is very big and there are lots of places we can explore with our bike,” he says. “Maybe I’ll come back to Antarctica and try again, maybe I’ll try another part of Antarctica, maybe I’ll go to the North Pole. There’s a lot to do – I can’t not imagine retiring.

But no matter what happens next, di Felice will continue to spread his climate action message through bold exploits. “We can change the world if we use the bike every day,” he says. “Going to work, going to school, even going on extreme journeys. My desire is to show people that you can do anything with a bike, you can even go to Antarctica.

Power struggle in the Arctic


The Arctic Ocean is in the news these days due to the power struggle between various powers to control it. There is a rush to claim unclaimed territories, unclaimed ocean and land territories. The main objective of the powers is to acquire trade routes and explore hidden resources. Global warming has made the North Pole more accessible and has enabled new research and economic activities.

According to US Geological Survey estimates, there are 90 billion barrels of oil, 47 billion cubic meters of natural gas, and 44 billion barrels of liquid natural gas in the region. The region has a third of the world’s hydrocarbon resources. According to Global Times, the United States portrays Russia and China as rivals and, with the appointment of a new ambassador to the Arctic region, is bringing conflict to the Pacific North Pole. The Russians in their area of ​​responsibility get 85.1 trillion cubic meters of gas and 17.3 billion tons of oil. Russia supplies India with Arctic liquefied natural gas and also plans to develop a combined arms force in the Arctic region to protect its interests.

On the other hand, the United States is increasing its military power to counter China and Russia. In 2013, the United States announced its national strategy for the Arctic region. According to American officials, the United States must protect its national security being one of the Arctic nations and has a strong economic interest and also to fight against climate change. The United States is also considering buying Greenland from Denmark. The United States has signed a number of agreements with Denmark regarding Thule Air Base. The base is the northernmost US Space Force base on the northwest coast of Greenland. China claims to be 1500 kilometers from the Arctic Circle so declared a state, closer to the North Pole and “Near Arctic State”.

The Polar Silk Road, part of China’s Belt and Road initiative, is its focus. China is looking for a potential arctic route or maritime silk route that connects China to Rotterdam, the Netherlands. This route will be much shorter for the transport of energy via the Indian Ocean and the Suez Canal. According to Brookings, China has sent high-level figures to the region 33 times over the past two decades to discover more economic projects and scientific facilities.

Alaska makes the United States the Arctic nation and is critical to United States national security as it closes the United States’ location to the center of the northern hemisphere. It is closer to the Bering Strait and the great route between North America and Asia. NATO chief Stoltenberg said “Russia has stepped up its activities in the resource-rich region, reopening Soviet-era bases and testing new advanced weapons.” According to the NATO chief, “the Arctic is of great importance to NATO and the Western alliance must prioritize its military presence in the polar region”. With melting snow/glaciers due to climate change, hidden mines/minerals have made access easy. With the ice melting, the area will be used as a trade route and has opened up more territory for cultivation.

The United States and its allies are doing their best to contain Russia and China. The United States views China as an outsider in the region that calls itself a near-Arctic power. The US Indo-Pacific Command (USINDOPACOM) is responsible for the Antarctic region and also monitors the Arctic region. India has released its Arctic policy emphasizing science diplomacy, exploration and efforts to deepen cooperation between India and countries in the region. India is one of 13 nations with observer status in the Arctic Council.

Issues with the region are addressed by the Arctic Council (United States, Russia, Canada, Finland, Sweden, Denmark, Norway and Iceland), in addition to issues of indigenous peoples. In the case of Pakistan, in the 1990s it became the first country in the Islamic world to send its expeditions to the Antarctic region. Pakistan has established two scientific research centers, Jinnah Antarctic Station I and II, as well as a meteorological station. Pakistan was a member of the exclusive Antarctic Treaty of 2011. Pakistan must again work actively with Arctic nations for research purposes.

Glacier Bancorp Q3 2022 Results Exceed Expectations


Bancorp Glacier (NYSE: GBCI) Third quarter 2022 results

Main financial results

  • Revenue: $225.4 million (up 16% compared to Q3 2021).
  • Net income: $79.3 million (up 4.9% compared to the 3rd quarter of 2021).
  • Profit margin: 35% (vs. 39% in Q3 2021). The lower margin was driven by higher expenses.
  • EPS: $0.72.
NYSE: GBCI Earnings and Revenue Growth November 6, 2022

All figures shown in the table above are for the 12 month period (TTM)

Glacier Bancorp’s revenues and profits fall short of expectations

Revenue missed analyst estimates by 1.0%. Earnings per share (EPS) also missed analysts’ estimates of 1.1%.

Looking ahead, revenue is expected to grow by an average of 8.7% per year over the next 3 years, compared to a growth forecast of 6.2% for the banking sector in the United States.

Performance of the US banking industry.

Shares of the company are up 2.1% from a week ago.

Balance sheet analysis

While revenue is important, another area to consider is the balance sheet. We did some analysis and you can see our view on Glacier Bancorp’s balance sheet.

Valuation is complex, but we help make it simple.

Find out if Bancorp ice cream parlor is potentially overvalued or undervalued by viewing our full analysis, which includes fair value estimates, risks and warnings, dividends, insider trading and financial health.

See the free analysis

This Simply Wall St article is general in nature. We provide commentary based on historical data and analyst forecasts only using unbiased methodology and our articles are not intended to be financial advice. It is not a recommendation to buy or sell stocks and does not take into account your objectives or financial situation. Our goal is to bring you targeted long-term analysis based on fundamental data. Note that our analysis may not take into account the latest announcements from price-sensitive companies or qualitative materials. Simply Wall St has no position in the stocks mentioned.

Kraken takes on Penguins after Wennberg’s 2-goal game | Sports


Seattle Kraken (6-4-2, third in the Pacific Division) vs. Pittsburgh Penguins (4-5-2, seventh in the Metropolitan Division)

Pittsburgh; Saturday, 7 p.m. EDT

BOTTOM LINE: The Seattle Kraken visits the Pittsburgh Penguins after Alexander Wennberg’s two-goal game against the Minnesota Wild in the Kraken’s 4-0 win.

Pittsburgh is 4-5-2 overall and 3-0-1 at home. The Penguins scored 40 total goals (3.6 per game) to rank seventh in the NHL.

Seattle is 4-1-1 on the road and 6-4-2 overall. The Kraken allowed 38 goals while scoring 42 for a +4 differential.

Saturday’s game is the fourth time these teams have met this season. The Kraken won 3-1 in the last game. Wennberg led the Kraken with two goals.

BEST PERFORMERS: Evgeni Malkin has five goals and seven assists for the Penguins. Rickard Rakell has scored five goals and added an assist in the last 10 games.

Jared McCann has scored five goals with three assists for the Kraken. Morgan Geekie has four goals and one assist in the last 10 games.

LAST 10 GAMES: Penguins: 3-5-2, averaged 3.4 goals, 5.5 assists, 3.5 penalties and 7.2 penalty minutes while allowing 3.5 goals per game.

Kraken: 5-4-1, averaging 3.4 goals, 6.1 assists, 3.8 penalties and 9.1 penalty minutes while allowing 3.1 goals per game.

INJURIES: Penguins: Teddy Blueger: out (upper body), Jeff Carter: day to day (lower body).

Kraken: Chris Driedger: out (knee), Philipp Grubauer: out (lower body), Jared McCann: day to day (undisclosed), Joonas Donskoi: out (upper body).


The Associated Press created this story using technology provided by Data Skrive and data from Sportradar.

© Skrive Data. All rights reserved.

Are payday loans safe? Here’s how to protect yourself


Can online payday loans be safe?

Even though it may seem easy and convenient to apply for a payday loan online, you should not trust any lender. The loans are designed to keep people in an endless cycle of high interest debt, and the interest rates are ridiculously high.

There are greater risks associated with online payday loans. When applying for the loan, you must provide personal information such as your social security and bank account numbers. Lenders may not help them. A few individuals may attempt to sell you.

Pay attention to your health. Avoid getting involved in this. There are other ways to make money than payday loans. There are better and more affordable options.

These are included:

  • Loans with a bad credit history
  • cash advance software
  • Peer-to-peer lending
  • “Buy Now, Pay Later” arrangements.

What safer alternatives should you think about?

To get quick cash, there are options other than payday loans. Before applying for a personal loan, consider these alternatives. It will be easier for you to establish credit if you make payments on time, because the payment options available online are safe and report your payments to the credit bureaus.

Online installment payday loans.

These lenders offer small discounts, but only while supplies last. Even though there is no minimum credit score requirement, the annual percentage rates are very high. Since they can be repaid in installments instead of all at once, they are much cheaper than payday loans. Many companies do not impose fines or penalize customers for being late. When it comes to online payday loans, you won’t find anything close.

Personal loans with bad credit

These lenders, such as KashPilot, offer increased loan amounts and extended repayment terms. Even though their APRs are considerably lower, they will still check your credit and require a minimum score.

cash advance software

With these apps, you can borrow up to a predetermined amount, usually between $250 and $500, and withdraw that money from your next paycheck. In general, lenders do not perform credit checks and do not charge interest charges. There are many apps that can speed up your payment by up to two days.

Subscribers are the only ones who can receive cash advances and there is a monthly charge for using this service.

Comparative loans

Peer-to-peer lending services connect people who want to lend and borrow money together. APRs for P2P services are generally acceptable. Additionally, they require a specific credit score.

“Buy now, pay later”

You can pay in four installments with BNPL companies like Klarna, Affirm, AfterPay and PerPay rather than receiving cash payments. They may be preferable if you need funds to purchase reasonably secure online payday loans.

There are a plethora of online and in-store retailers that offer this service. In addition to PayPal, another program allows shoppers to split the cost of an item into four equal installments.

Most of these services will waive interest charges if you pay on time. If you make a payment after the deadline, interest and other fees may be charged. Find out as much as you can about the company providing your service and be aware of any fees or limitations that might be involved.

You will not need to borrow money from an unethical lender using the services of BNPL. But they might tempt you to overspend. When using multiple services at once, be careful and avoid multitasking.

Is it dangerous to send my bank details online?

You need to access your bank account to submit an online payday loan application. Two of these pieces of information are the routing number and your bank’s account number.

Your account information should be kept private if you are concerned about its security. To ensure your financial transactions are secure, use HTTPS and look for the lock icon.

How to assess the reliability of a loan application?

Extreme caution is advised when applying for a loan online. You must provide personal information, which could lead to identity or money theft. You need to make sure that the lender you are working with is not a predatory lender.

The actions are described below.

It is important to double check the website address. Whenever you see “HTTPS” at the beginning of a web address (URL), you can be assured that your information is encrypted. You should look elsewhere if the lending page URL starts with HTTP instead of HTTPS. Your privacy cannot be assured.

Check if the lock icon appears in the address bar. The information you enter will be encrypted if a lock icon appears in the address bar. If you need help displaying this icon, you should research other available borrowing options.

See if the company has a good reputation. It is recommended to investigate the background of a lender before entering into any financial transaction. Review comments posted on various websites to see if any legal or government intervention was mentioned. Although negative reactions are expected, a constant flow is cause for concern.

Please avoid tribal lenders as their offices are on Native American reservations. Acting as independent nations can circumvent state laws and impose completely arbitrary conditions.

Consider contacting a direct lender. Your credit broker will connect you with several different lenders. Although it might seem prudent at the time, it will greatly expand the number of people who have access to your records. Finding a reputable lender and applying with them is your best bet.

Contact the bank immediately. Tell everyone about yourself. Don’t take a phone call from a lender seriously. Call the lender once you have their name and number to verify.

Keep an eye out for these warning signs: When someone is being taken advantage of, they often do deals that are too good to be true or use high-pressure sales tactics. Make sure your requests are answered. Don’t succumb to peer pressure or make rash decisions.

Fraudsters and other predatory lenders often prey on people who are having trouble paying their bills. Taking advantage of people in need is an easy way for thieves. You should exercise caution and keep an eye out for potential threats, even if you are in desperate need of money.

Julie Snearl

An editor and writer for over a decade, writing and editing finance for national technical and mainstream readership, Julia Snearl is the Personal Finance Editor in KashPilot. His experience in business book publishing also includes working as graphics editor of Ahead of the Curve. With over 3 years of experience editing content for finance on KashPilot, Julie is interested in learning how to use digital content to help people make better financial choices.

Russia plans to launch nine polar-orbiting satellites to monitor the Arctic by 2026


The satellite technology will also enable high resolution ice monitoring providing ice forecasts with resolution as low as one kilometer.

A total of five Arktika-M satellites are planned according to Gektin.

The Arktika-M concept dates back to 2007, when the Russian government first discussed the need for reliable communication and navigation as well as surveillance capabilities throughout the region.

The first launch was originally planned for 2013, but technical revisions to provide higher resolution surveillance led to repeated delays, so the first unit was not deployed until 2021.

Dual-use and all-weather capabilities

A recent report on Russia’s space assets by the Naval Analysis Center (NAC), a research and development think tank affiliated with the US Department of Defense, concludes that “Moscow has invested heavily in spacecraft projects military and dual-use in recent years. ”

Dual-use satellites collect information and data that can meet both civilian and military needs.

Russia has placed particular emphasis on space surveillance which provides all-weather, day and night radar imagery for the Earth’s surface.

In this regard, the Obzor-R satellite will be of critical importance as it will enhance Russia’s ability to map the Arctic and monitor human-made activities, including shipping and mining, during the night or through clouds when traditional optical satellites cannot operate. .

The CNA researchers point out that Russia’s ability to successfully deploy radar imaging satellites, including those targeting the Arctic, “would indicate major advancements for the military and civilian space sectors in Russia.”

Iconic World Heritage glaciers will disappear by 2050, warns UNESCO |


The glaciers of a third of the sites are threatened, regardless of efforts to limit the rise in temperatures.

However, the study points out that it is still possible to save the other two thirds, if the rise in global temperatures does not exceed 1.5°C compared to the pre-industrial era. UNESCO says this will be a major challenge for delegates at the upcoming COP27.

Fifty UNESCO World Heritage Sites are home to glaciers, representing almost 10% of the Earth’s total glacier surface. They include the tallest (next to Mount Everest), the longest (in Alaska), and the last remaining glacier in Africa.

CO2 culprit

The UNESCO study, in partnership with the International Union for Conservation of Nature (IUCN), shows that these glaciers have been retreating at an accelerated rate since 2000 due to CO2 emissions, which are warming temperatures.

They currently lose 58 billion tonnes of ice every year, equivalent to the combined annual water consumption of France and Spain, and are responsible for almost 5% of the observed global rise in sea levels. the sea. Threatened glaciers are found in Africa, Asia, Europe, Latin America, North America and Oceania.

Call to action

“This report is a call to action. Only a rapid reduction in our CO2 emissions can save the glaciers and the exceptional biodiversity that depends on them. COP27 will have a crucial role in helping to find solutions to this problem. UNESCO is determined to support States in the pursuit of this objective,” said Audrey Azoulay, Director-General of UNESCO.

In addition to the drastic reduction of carbon emissions, UNESCO is advocating for the creation of a new international fund for the monitoring and preservation of glaciers. Such a fund would support in-depth research, promote exchange networks among all stakeholders and implement early warning and disaster risk reduction measures.

Uncertain future

Half of humanity depends directly or indirectly on glaciers as a source of water for domestic use, agriculture and energy. Glaciers are also pillars of biodiversity, feeding many ecosystems.

“When glaciers melt rapidly, millions of people face water scarcity and increased risk of natural disasters such as floods, and millions more could be displaced by rising sea levels which results,” said IUCN Director General Dr Bruno Oberle.

“This study highlights the urgent need to reduce greenhouse gas emissions and invest in nature-based solutions, which can help mitigate climate change and enable people to better adapt to its impact”.

Jökulsárlón Glacier Lagoon in Iceland, part of a World Heritage Site, formed naturally from melted glacial water and continues to grow as large blocks of ice crumble due to a shrinking glacier.

What is a payday loan and other types of predatory loans?


Financial watchdog groups have raised concerns about predatory lenders taking advantage of low-income Americans who need cash fast as soaring inflation squeezes consumers.

So what is predatory lending?

Predatory lending imposes unfair or abusive loan terms on borrowers, including triple-digit interest rates and tight repayment terms. In the meantime, a “fair” loan guarantees the the same lending opportunities for all consumers, including low-cost loans for those with good credit ratings, in accordance with federal guidelines.

A predatory lender may also persuade a borrower to accept abusive terms through deceptive, coercive, exploitative or unscrupulous actions, according to Orlando-based debt.org, an online site that provides expert financial advice. An example is lenders targeting borrowers with credit problems or who have recently lost their jobs.

Predatory lending practices may also include fraudulent, deceptive and unfair tactics lenders use to ‘trick’ consumers into loans they cannot afford, according to the U.S. Attorney’s Office for Eastern Pennsylvania, citing mortgage costs high as contributing to borrowers who cannot keep their homes in good condition.

A person rides a scooter past a check cashing and payday loan store on March 11, 2022, in downtown Los Angeles.
PATRICK T. FALLON/AFP via Getty Images

Responsible Credit Centera North Carolina-based nonprofit research organization working to end predatory lending, released a study in late September that examined the “persistent damage of high-cost installment loans”, a form of predatory lending that includes “rent-a-bank” loans. The group says it found that predatory lending had a greater impact on people of color and low-income people.

High-cost lenders say they provide money to risky borrowers with low credit ratings who cannot obtain loans from traditional banks.

Here’s a look at what consumer financial organizations call predatory lending.

What is a personal loan?

Payday loans, a short-term advance with the promise of repayment on the next paycheque, have been around since the early 1900s.

They were called payday lenders, offering one-week loans with triple-digit interest rates of up to 500%, according to the Pew Charitable Trusts.a public policy organization based in Philadelphia.

In contrast, consumers with good or excellent credit scores (720-850) can qualify for personal loans with interest rates of 10.73% to 12.5% ​​repaid over several years, depending on Bankrate, a New York-based financial services company.

Today, payday loan amounts are usually $500 or less, but at least 16 states and the District of Columbia have banned them. Indeed, consumer watchdog groups have worked in politically red and blue states to kick out these lenders, saying they offer predatory lending that targets low-income borrowers.

The Consumer Federation of America, a nonprofit organization based in Washington, DC, has a breakdown on its website of where these loans are legal and illegal.

What is an auto title loan?

A car title loan allows borrowers to use their car as collateral for a loan that can range from a few hundred to several thousand dollars. Many of these loans can carry three-digit interest rates as high as 300%.

In Arizona, for example, the annual percentage rate is 120% to 204%, depending on the amount borrowed.

James Hollis of Tucson, Arizona borrowed $3,050 to repair his car's transmission, but his two car title loans will ultimately cost him nearly $14,000.
James Hollis of Tucson, Arizona borrowed $3,050 to repair his car’s transmission, but his two car title loans will ultimately cost him nearly $14,000.
Cassidy Araiza for USA TODAY

James Hollis, who lives on Social Security disability benefits, borrowed $3,050 this year to fix his transmission, but his two car title loans will ultimately cost him $13,791 with three-pronged interest rates figures.

If a borrower defaults on a loan, the lender can repossess the vehicle.

Eight states, including California, have limits on car title loans, while 24 states and the District of Columbia prohibit them, according to Car Title Loan Lenders USA of Newport Beach, CA.

What is a rent-a-bank loan?

A bank lease loan occurs when a non-bank lender, such as a fintech or fintech company, lends money but seeks to avoid state interest rate caps in s associating with a bank in another State not subject to these rate caps, according to the California Attorney General’s Office.

Unlike a car title loan, a bank lease loan is unsecured, meaning the lender has no collateral, such as a house or vehicle, to take possession of if the borrower does not can’t repay his loan. Loans can range from a few hundred to several thousand dollars in lump sums or lines of credit.

California Attorney General Rob Bonta and 20 attorneys general urged federal regulators last year to ban the practice, which is still happening and replacing payday loans in some states, USA TODAY found.

What is a tax-free loan?

A tax refund loan or refund claim loan are short-term loans issued by non-bank lenders. They are guaranteed by an expected tax refund. Taxpayers immediately receive in cash the amount of the refund, less one or more costs, according to the Financial Industry Regulatory Authority (FINRA), a regulator of brokerage firms and foreign exchange markets.

These loans come with numerous fees such as applying for the loan, preparing tax returns, processing checks, and a guarantee of “peace of mind” from the lender regarding the amount of repayment.

These fees are also accompanied by interest of at least 36%.

Adding it all up can result in paying a minimum of $200 for a quick $2,000 tax refund, according to FINRA.

The organization says the best solution is to have the Internal Revenue Service electronically refund the overpayment of taxes, which can be as short as eight days in a checking or savings account.

What are low cost loan options?

New America, a nonprofit think tank in Washington, DC, said a number of banks can offer up to $1,000 in personal loans with interest rates around 12%. The site also lists seven community development financial institutions and credit unions across the country that offer relatively small loans with interest ranging from 7.99% to 33%.

The nonprofit also said credit card cash advances can be easy but expensive.

New America also promotes lending circles, in which a small group of people contribute each month to lend money to each other without interest. Circles include 6 to 12 people and loan amounts range from $300 to $2,400. Loan repayments can be reported to credit bureaus so borrowers can build good credit. But that wouldn’t help someone in immediate need, the site says.

The website Lending Circlesfinanced by the San Francisco-based nonprofit Mission Asset Fund, includes the names and contact numbers of loan groups across the country, and a person can find one by entering a zip code.

Got a tip on business or investigative stories? Contact the reporter at craig.harris@usatoday.com or 602-509-3613 or on Twitter @CraigHarrisUSAT or linkedin.com/in/craig-harris-70024030/



16 of Sydney’s best restaurants for a long lunch


There’s nothing better to celebrate the weekend or cure your Sunday blues than with a long, quiet lunch with your friends and, luckily for us, Sydney knows how to do a long lunch. This list includes a little bit of everything, from harborside rooftops, chic beachfront restaurants with all the ocean views, a revamped poolside spot and some iconic Sydney spots.

So what are you waiting for? Here are all the best places for a long lunch in Sydney.


Dual bay

Undeniably, anyone who’s been to Neil Perry’s Margaret loves it. Named after Perry’s mother, the restaurant signals a new era for the celebrated Sydney chef, flexing his unparalleled talent with Australian produce in a relaxed yet refined setting. Start with Sydney Rock Oysters topped with Dessert Lime Salsa and Flinders Island Scallop Crudo, before heading to the wood-fired grill with a plate of miso-glazed Southern Corner Inlet Calamari . There’s an impressive list of wood-grilled fish, a lamb tagine pie, and some truly impressive beef from CopperTree Farm. In short, Australian cuisine at its best.

Dining room and terrace of the Shell house


Shell House is a luxury adult playground in the heart of the city, with two epic bars, a dining room and a rooftop terrace. If you’re here for lunch, Shell House Dining Room & Terrace is spotless. Celebrating the building’s art deco heritage, the dining room features curved material booths, rattan chairs, rich wood paneling, an amber-hued ceiling, and beautifully tiled flooring. With floor-to-ceiling glass doors, the dining room opens onto the sandstone terrace, which offers views of the CBD to boot. As for the cuisine, expect refined dishes with Mediterranean accents that showcase quality local products.

Sydney Cafe


It’s one of those spots in Sydney that everyone has to visit at least once. Lunch is available every day and yes it is a real treat. Perched on the top floor and terrace of the historic Customs House at Circular Quay, your lunch will offer sweeping views of the bridge, the Opera House, and glittering Sydney Harbour. Be sure to reserve a table on the balcony, settle in with a spritz or Espresso Martini, or treat yourself to a plate of extra-fresh rock oysters from Cafe Sydney. The menu is modern Australian polish and ticks off things like tuna tartare with smoked trout roe, ricotta gnocchi, braised beef cheek and roast pork belly.

Panorama of Sean

Bondi Beach

Sean’s is one of those places that is just so typical of Sydney, if you’re a local and haven’t been there, it’s almost considered a crime. Although it’s a stone’s throw from the glistening sands of Bondi Beach, don’t expect glitz, glamor or anything pretentious. Award-winning chef Sean Moran favors fresh seasonal produce, most of which comes from his farm in the Blue Mountains. The menu changes regularly, but your best bet is to let Moran do the talking with his five-course Chef’s Choice tasting menu with matching wines.

Mr Wong


With Chef Dan Hong at the helm and a new take on Cantonese-style cuisine, Mr. Wong has become an instant Sydney favorite and one of the shining stars of the Merivale universe of fine dining. The giant 240-seat restaurant serves over 80 dishes over two levels, so you’ll be spoiled for choice with Hong’s varied menu. Drop by for a lunchtime dim sum menu that won’t break the bank or the crowd-favorite whole Chinese roast duck. Otherwise, look for local produce like Balmain’s crispy fried insects and lobster or Chinese classics like Kung Pao chicken. Perfect for a long lunch.


fresh water beach

Built in a beautiful sprawling cottage on Freshwater Beach, Pilu is an absolute must for anyone wanting to experience the best of Sydney cuisine with a side of fresh, sea air. Pilu has two chef’s hats, a well-deserved culinary title. The menu is inspired by owner Giovanni Pilu’s Italian house, Sardinia, but champions local produce. The hero of the menu has to be the crispy-skinned suckling pig for two with rosemary potatoes, but we also really like the refined desserts on offer.


North Sydney

From the group behind Bopp & Tone, The Butler, SoCal and The Botanist, RAFI is a 300-person food and drink paradise tucked away in northern Sydney. With a sun terrace, cocktail bar, restaurant, private dining room, chef’s table experience and a central greenhouse structure called The Abor, if you’re in that corner of the country, RAFI is a great place to a long lunch. Hailing from Peru, Rafi’s Executive Chef, Matias Cilloniz, has created a menu that draws inspiration from the coastal elements of our beautiful city and can be summed up in two words: ‘fresh’ and ‘seasonal’. Sustainability is also on the mind here, and menu highlights include Glacier 51 toothfish with chickpea miso, fresh chickpeas and chili; raw south coast tuna with cucumber, avocado and fresh yuzu; and matured duck crowned with fresh plum leaves and mustard.



When award-winning culinary couple Ross and Sunny Lusted (formerly The Bridge Room) opened their new restaurant Barangaroo in late 2020, expectations were high. Unsurprisingly, the husband and wife duo have delivered in spades with Woodcut, a restaurant that champions Australian produce and celebrates unique cooking techniques like steam, wood and charcoal. Along with incredible views of Darling Harbor and an incredible menu, you can expect the sensory experience of theater thanks to Woodcut, not one, but four open kitchens and unique service with food straight from cast iron pans or clay pots. Book your lunch for a sunny day and watch the world go by.

Icebergs dining room and bar


Icebergs is currently closed for renovations but will reopen on Wednesday December 14, 2022. You can book here.

It’s true that some beach-side restaurants with stunning ocean views tend to lean a little too much on their location. Icebergs is not one of them. As well as having a postcard-perfect view to watch the waves from one of the most iconic beaches in the world, Icebergs offers an impeccable Italian-inspired menu, a modern and elegant interior designed to match the ocean. turquoise, polished, cool service, and just the right amount of Bondi glamour. It’s run by Maurice Terzini, who has taken Sydney by storm since opening Icebergs Dining Room and Bar in 2002.


Pink Bay

With stunning views of sparkling Rose Bay, Catalina is one of Sydney’s long-standing ‘special occasion’ spots. In fact, Catalina fits into a small class of Sydney restaurants that have truly stood the test of time, opening in 1994 and being a favorite of well-heeled locals and visiting celebrities (like Beyonce and Jay Z). The stark white minimalist interior is complemented by pages of champagne and wine to choose from and arguably some of the best Sydney Rock oysters in town. Other menu specialties include soy-cured king salmon and crispy-skinned saltwater barramundi. Coupled with that water view and top-notch service? Catalina is a Sydney staple.

Want to visit Catalina in the future? Buy a gift voucher here.

The cave

Surry Hills

We’d probably be remiss not to include this downtown staple. Since the opening of this cute garden wine bar, many locals have lost themselves here for a few hours of lunchtime feasting. As the name suggests, The Winery has an extensive wine list, which covers a fine selection of bubbles, whites, roses and reds. For dining, you have modern Australian-style sharing plates and snacks like porcini arancini, sausage rolls and smoked lamb meatballs. Larger plates include lamb shank and pinot pie and mussels cooked in a Riesling cream sauce and served with garlic bread. Look, it’s boujee, but sometimes a pop-up prosecco fountain is just what you need.

by Bert


Bert’s dining room is perhaps one of Sydney’s finest. Designed by Akin Creative’s Kelvin Ho alongside regular Merivale collaborator Amanda Talbot and Merivale boss Justin Hemmes, it’s a total Gatsby the magnificent-era dream. Along with plush cabins, dim lighting and views of Pittwater, there are raw bars dressed in caviar, lobsters and oysters. The vibe is Mediterranean, with Jordan Toft of Merivale at the helm as executive chef and Sam Kane leading the kitchen as head chef. And if all this isn’t enough to keep you there, dive into the list of 750 Bert’s wines created by Master Sommelier Franck Moreau.



Speaking of chef Jordan Toft, mimi’s is another must-have on your long lunch list. This stunning location was part of the highly anticipated reopening of the Coogee Pavillion Middle Level this year. Mimi’s is all martini hues — olive green, bone-colored linens, warm lighting, and a huge open kitchen with wide marble benches stacked with oysters.

Toft is still doing their Mediterranean thing and it’s very, very good. On the menu are BBQ-grilled black abalone skewers, puff pastry arlettes warmed with affinois, charred Murray cod with lemon thyme and coriander seeds, and pepper-grilled No. 9 wagyu iron bullhorn. Chablis is also the star of the wine list which has 600 wines, a drop which is quietly being felt in Australia at the moment.

The Collaroy


The Merivale family sure knows how to make a great long lunch. Yet another entry on our hotel group library list of places in Sydney, The Collaroy is a beachfront hotel split over two levels: the ground floor serves breakfast pizzas, healthy bowls for lunch and homemade dinners once the sun goes down. Meanwhile, upstairs, seafood aplenty, and you’ll also have a choice of two bars. It’s the perfect place to relax and get through a long lunch after a dip at the beach. For a vacation vibe and Tiki-inspired cocktails, drop by The Surf Deck.

North Bondi Fish


A surefire combination of sea breeze, fresh seafood, alcoholic popsicles and an almost alarming selection of rosé will have you lunching again and again at North Bondi Fish. Plot ? You should be. Located on Bondi Beach, North Bondi Fish strikes the perfect balance between being completely relaxed and a bit chic. Their newly released summer menu features everything from fancy fish and chips to chili prawn spaghetti and a mango coconut sundae. So gather the team and come down for a leisurely lunch and a glass of rosé (or three).


whale beach

A Sydney institution for a reason, Jonah’s at beautiful Whale Beach will instantly give you those warm and fuzzy first days of vacation. With stunning views, you’d be wrong to stay for just an hour, so sit back and let them do the heavy lifting by ordering from the set menu of two, three or four dishes. Add the paired wine option, because you deserve it.

Now check out Sydney’s best bottomless brunches.

Image credit: Steven Woodburn, Margaret, Shell House, Cafe Sydney, Sean’s Panorama, Merivale, Steven Woodburn, Crown Sydney, Icebergs Dining Room and Bar, Catalina, Merivale, Rocket Weijers, Merivale, North Bondi Fish, Jonah’s

Light Park will ‘electrify the night’ across Texas this holiday season


The most exciting light show south of the North Pole opens at four locations

DALLAS, TX/ACCESSWIRE/November 1, 2022/ In the spirit of blazing new trails and creating memories, The Light Park announced that it will open its expertly lit doors to revelers and entertainment seekers across Texas on November 4, 2022. “By opening a bit earlier in the season than most holiday light displays in the area, we can add more accessibility and early bird options for our guests who come from near and far,” says Matt Johnson, co-creator of The Light Park, opening 2 locations near Houston, one location near San Antonio and one location in Dallas/Fort Worth. “The best advice we can give our guests is to plan early and be prepared to be amazed by the seemingly endless lights across this extremely energetic driving holiday park. While the lights come on, prices stay low with early bird prices on pre-purchased tickets.”

The Vokol Group, Tuesday, November 1, 2022, Image from the press release

For those in the dark, The Light Park is a 1-mile-long, immersive drive-in spectacular at Hurricane Harbor parking lot (Arlington, TX), Typhoon Texas Waterpark parking lot (Katy, TX), Retama Park parking lot ( Selma, TX) and Hurricane Harbor Splashtown parking lot (Spring, TX). It’s been heralded as “one of the coolest ways to brighten up your holiday season”, where guests witness millions of lights synced to an electric mix of music powered by radio station DJ Polar Ice at #1 North Pole hit, K-GLO.

“We pride ourselves on seeing guests of all ages create memories that can last a lifetime. Our team encourages everyone to safely cram into their cars as our entry fee is per vehicle, not per This way, everyone (pets too) can experience the magic of traveling through the world’s longest tunnel of light, rocking you to the coolest tunes, and kicking off the holiday season with the most Instagram Reel-worthy shots, for just one entry fee,” says Johnson. So, get your cars ready, bring (or buy) some goodies, and enjoy the ride. Keep in mind that tickets must be purchased online in advance with a reserved show time.

Those interested in learning more or purchasing admission can visit www.thelightpark.com. Costs start at $29 per vehicle* for pre-purchased tickets, and admission varies by show time (weekdays and weekends). The Light Park will remain open until January 1, 2023. Visitors must remain in their vehicles while visiting the park and on park property. Customers are encouraged to bring their snacks to enjoy in their car, but there are wonderful ways to enhance your experience with pre-purchased snacks and fun souvenirs to enhance The Light Park experience.

* Please note that no vehicles over 30 feet will be allowed in the park; this includes limos, trailers and buses.

For more information visit www.thelightpark.com

The Vokol Group, Tuesday, November 1, 2022, Image from the press release

The Vokol Group, Tuesday, November 1, 2022, Image from the press release

About the park of light

Light Park offers four parks in Texas: Spring, Katy, Selma and Arlington. Each park features over a million animated LED lights and boasts the largest synchronized LED light tunnel in the world. Open from November 4, 2022 to January 1, 2023, shows start from 5:30 p.m. to 10:00 p.m. (weekdays) and 5:30 p.m. to 11:00 p.m. (weekends and holidays); visitors can enjoy a safe and unique experience as they walk through the one-mile holiday light show staged to seasonal music.

The Vokol Group, Tuesday, November 1, 2022, Image from the press release

The Vokol Group, Tuesday, November 1, 2022, Image from the press release

Media Contact:

Dana Cobb
The Vokol group
[email protected]

THE SOURCE: The park of light

See the source version on accesswire.com:

Tom Skilling’s Predictions – A Fragile Climate Special: Part 1: Alaska and Glaciers


In part 1 of Forecast – A Fragile Climate, Tom Skilling and the team travel to Alaska

WGN Chief Meteorologist Tom Skilling leads the special series Forecast – A Fragile Climate. In his 50 years as a meteorologist, he’s seen the atmosphere do things he never thought possible. That’s what drove him and the WGN team to scour the country for the latest climate research and information. They met with NASA scientists, water experts in a drought-ridden Southwest, and climatologists in Alaska. Serious work is underway – from tracking the Earth’s vital signs to massive climate adaptation projects. There’s a lot of material to cover and, as Skilling says, “We’re just the tip of the iceberg!”

In Part 1, Skilling visits his beloved Alaska and climbs glaciers that change shape and size before our eyes.

Of all the ice-covered regions in the world — places like Greenland, Antarctica, and the Alps — one of the largest contributions to global sea level rise comes from Alaska. Runoff from melting glaciers ends up in our oceans. And as snow and ice decrease, Alaska contributes a disproportionate amount of heat to the entire Earth system.

In other words, what happens in Alaska doesn’t stay in Alaska.

The Klco trail guide, who worked with Skilling and the WGN team, knows every contour and crevice along the silty ice of the Matanuska Glacier.

“(Matanuska Glacier) is a valley glacier. It really goes up gradually. It’s about 6000 feet up the first 20 miles and then there’s another seven miles of glacier,” he said. “We get 365 new feet of glacier every year, about 395 feet melt. So on average, we lose 10 meters per year off the terminus.

Dr. Brian Brettschneider is a National Weather Service climatologist. He went to high school in suburban Chicago, but has lived in Alaska for 17 years.

“Everyone here knows the climate is changing,” he said. “People in Alaska, you notice it everywhere. There are glaciers that you see on the highway, and they’re disappearing.

There is great concern here. The Arctic is warming at least three times faster than other parts of the planet.

More than 200 miles south of the Matanuska Glacier, runoff from a shrinking Exit Glacier passes through a rock basin.

“Not long ago this area would have been covered in ice,” said Laura Sturtz, director of interpretation and education at Kenai Fjords National Park. “We can tell by the moraines, or boulders, he left behind when he stopped in place. … We’re only 11, 12 miles from going into the ocean here, so the water melting from Exit Glacier and the Harding Icefield drains into the ocean and contributes to sea level rise across the globe If there is less ice on land, there is more in the ocean.

“So if you’re in California, if you’re in Florida, if you’re in New York, a big contribution to sea level rise is coming from melting glaciers in Alaska,” Brettschneider said.

“We’re talking about this thing called arctic amplification,” he said. “Snow and ice act as a mirror for sunlight. When the sun hits the snow and ice, almost everything is reflected back into space as if it hadn’t happened. Once you heat things up, you change that energy equation. You have less snow on the ground, especially in the shoulder seasons, you have less ice in the Arctic Ocean. And so, when you remove snow and ice, the sun’s energy is completely absorbed by the ground and warms the atmosphere.

There are natural cycles in our climate, but there is nothing natural about how quickly changes are happening today, in a short time.

“One thing that can be a little misleading is that people see all this ice and you fly over and see these huge ice fields and all these glaciers, it can be a bit of a trap to think about. “Well, my God, we still have all that ice. Maybe things aren’t as bad as they say,” Brettschneider said. “It’s really what’s missing instead of what’s the.”

A number of the past 15 years have been the hottest on record.

“The cycles were first discovered by climatologists. Cycles happen over long periods of time,” Brettschneider said. “Frankly, there’s no real physical way for the climate system to change as much as it has over the past two decades with just natural forcings. It has to be something else. And the only other thing , these are greenhouse gases.

…You add gas to the atmosphere that stores heat, and that’s exactly what you’ll do. It really is that simple.

“What happens here matters to people in Chicago, Memphis, Dallas, Phoenix, Seattle. The climate system really knows no boundaries,” Brettschneider said. “I’m worried, but I’m also hopeful. Things are moving in the right direction. Are they moving fast enough? This is a difficult question to answer, but we need more.

Bretschneider is right. There are some very positive things happening in efforts to switch to cleaner fuels and energy sources in an effort to reduce harmful carbon emissions and greenhouse gases. We’ll explore some of these initiatives in our series this week.

Tuesday we take you to the epicenter of Earth science, where NASA scientists build and operate some of the most sophisticated instruments that track the evolution of our planet. We go behind the scenes for a look at the serious science and technology of some of our nation’s most knowledgeable climate scientists.

Want to consolidate your payday loan debt? Here’s how MyrtleBeachSC News


If you’re struggling to cope with your payday loan debt, you may be considering consolidation. It’s a great option if you want to get out of debt quickly and easily. In this blog post, we’ll discuss the basics of consolidation and how it can help you get back on track financially. We’ll also give you tips on choosing the right consolidation company for your needs.

What is Consolidation?

Taking out a new loan to cover other outstanding loans is called consolidation. This could be helpful in minimizing monthly payments and overall debt.

When you consolidate your payday loan debt, you will only have to make one monthly payment to the consolidation company. This payment will be less than the total of your current payday loan payments. Namely, the professionals of Solid finance let’s say you can expect to save up to 50% on your consolidation loan. The way this is possible is that the consolidation company will negotiate with your lenders to lower your interest rates and monthly payments.

How it works?

Consolidation works by consolidating your multiple payday loans into one new loan. This new loan will have a lower interest rate than your existing payday loans, so you’ll save money on interest charges. The consolidation company will then repay your existing payday loans with the new loan. When you only have one loan to repay, it will be easier for you to control your payments and get out of debt quickly.

What are the benefits of grouping?

There are many benefits to consolidating your payday loan debt. These include:

  • Reduced monthly payments: When you consolidate your personal loans, you will only have to make one monthly payment to the consolidation company. This payment will be less than the total of your current payday loan payments.
  • Lower interest rates: Consolidating your payday loans will give you access to lower interest rates. This means you’ll save money on interest charges and pay off your debt faster.
  • One simple payment: When you consolidate your payday loans, you only have to make one monthly payment. This can make it easier for you to control your payments and get out of debt quickly.
  • Pay off debt quickly: Consolidating your payday loans can help you get out of debt faster. This is because you will have a lower interest rate and a simple payment.

What are the disadvantages of consolidation?

There are some potential downsides to consolidating your payday loan debt. Namely, you may still owe the full amount: consolidating your payday loans will not reduce the amount you owe. You will still be responsible for paying the full amount of your loans. Plus, you might end up paying more interest: if you consolidate your payday loans and extend the repayment period, you might end up paying more interest. Indeed, you will pay interest on the total amount of your loans for a longer period.

How to choose the right consolidation company?

If you are considering consolidating your payday loan debt, it is important to choose the right consolidation company. There are many consolidation companies out there, so it’s important to do your research. Here are some things to look for in a consolidation company:

  • A good reputation: Look for a consolidation company with a good reputation. This can be determined by reviews from past customers or by checking with the Better Business Bureau.
  • Low Fees: Make sure the consolidation company you choose has low fees. You shouldn’t have to pay a lot of money to consolidate your payday loans.
  • Flexible repayment options: Choose a consolidation company that offers flexible repayment options. This will allow you to tailor your repayment plan to your financial situation.
  • A focus on customer service: Make sure the consolidation company you choose emphasizes customer service. This will ensure that you have a good experience working with the company.

How to consolidate your personal loan debt?

If you’re ready to consolidate, there are a few things you need to do. First, you need to gather all the information about your payday loan. This includes the amount you owe, the interest rate and the monthly payment. Next, you need to find a consolidation company. You can do this by searching online or by speaking to a financial advisor. Once you have found a consolidation company, you need to apply for a consolidation loan. Once you have been approved for the loan, the consolidation company will repay your payday loans. You will then be responsible for making a monthly payment to the consolidation company.

Still, consolidating your payday loan debt can be a great way to save money on interest, lower your monthly payments, and get out of debt fast. However, it is important to choose the right consolidation company and understand the potential downsides of consolidation. If you do your research and choose a reputable consolidation company, you can consolidate your payday loan debt and put yourself on the path to financial freedom.



Luxury at a distance: discovery polar expeditions


Witness the wonders of the end of the Earth. Richard Sidey

Equally magnificent is the feeling of having reached the end of the Earth, and not only because of the otherworldly landscapes. These are sparsely inhabited places: Greenland was the last significant landmass colonized by humans, while Antarctica sees only a slew of researchers coming and going. A void this large is both intimidating and exhilarating, and feels like a very exclusive experience.

Silversea offers a range of polar itineraries. Fly from Ushuaia in southern Argentina to the South Shetland Islands and you can get a taste of Antarctica in just five days. At the other end of the scale – and the planet – is the legendary Northwest Passage transit from Greenland, which takes 24 days and sails through Canada’s High Arctic.

North exposure

Far north of the Norwegian mainland, Svalbard is as close as most people ever get to the North Pole and one of the ultimate destinations for expedition cruises. This bare archipelago is divided by mighty fjords, scratched by glaciers and topped by frozen mountains that offer spectacular sailing.

Kayak through frosty fjords in Magdalenefjorden, Svalbard Denis Elterman

In the Liefefjord, five glaciers meet. In Julibreen, a single glacier is 16 kilometers wide and spits ice across the bay. In the vast nature reserve of Nordaust Svalbard, walruses teeter on their sandy haulouts. The half-mile-high cliffs are dense with nesting guillemots and puffins. Svalbard is also one of the best places in the world to see polar bears, especially since they stick to the shore and the edge of the pack ice to hunt.

Across the Atlantic, Greenland is just as breathtaking. Skoldungen Fjord is ice-scraped and topped with mountains of meringue, while the 100-kilometre-long Prince Christian Sound is lush and dotted with icebergs. Blue, sculpted ice from Evigheds Glacier falls into the sea.

Greenland is also a meeting with remote communities in daunting destinations. Included excursions along the Silversea coast take you to places like Aapilattoq, whose hundred inhabitants live by hunting and fishing, or Nanortalik, whose colorful houses stand against green tundra and blue bay . One of the most fascinating settlements is Qaqortoq, inhabited by Inuit and Vikings in the 10th century and now thriving on tanning, fishing and ship repair.

Explore the charming village of Kangaamiut, Greenland. Denis Elterman

Southern Comfort

In Antarctica, on the other hand, your ship is the only sign of human civilization. You won’t see houses, roads or telegraph poles, although sometimes remnants of old whaling stations are scattered along isolated shores. It is home to wildlife in astonishing numbers: fur seals and seabirds, and colonies of penguins that number in the tens of thousands.

Ships depart from Ushuaia, or Puerto Williams in Chile, crossing the Drake Passage to the Antarctic Peninsula and the South Shetland Islands, which have a lunar landscape, peaks and volcanoes. A dip in the thermal waters of Pendulum Cove is an exhilarating experience.

Meet leopard seals and more in Antarctica. Denis Elterman

Longer trips also lead to the Falkland Islands – Port Stanley is a curious oasis of Britishness amid the Patagonian landscapes – and South Georgia which, for sheer numbers of undisturbed wildlife, is unbeatable. The islands are home to colossal colonies of fur seals, elephant seals and penguins that populate entire bays. You will be enchanted by Zodiac shore excursions.

Here you are at the ends of the Earth. Humpback whales blow, penguins move and glaciers glisten in the pale light. Then, you return to your ship for a hot shower, cocktail, and three-course meal. It might be a rough ride, but it’s tempered by a plush bed and chic design. Few travelers are so privileged, and it’s an experience you’ll never forget.

For inspiration from incredible polar destinations and luxury cruises with Silversea, visit www.silversea.com.

ExWeb’s Adventure Links of the Week » Explorersweb


When we’re not outdoors, we get our dose of adventure exploring social media and the web. To feed your dose of adventure, here are some of the best adventure links we’ve discovered this week.

Greenland Walls: A team of mountaineers tackle high walls in Greenland, including kayak approaches and a week-long portage. They tick off routes with evocative names, including Sea Barge Circus and Seagull’s Garden.

The Dirtiest Man Alive: Dirtbag climbers must up their games to compete with Amou Haji. The Iranian hermit reportedly went 60 years without taking a bath, fearing cleanliness would kill him. His efforts seem to have worked. He lived to be 94 and died just months after local villagers finally convinced him to wash up.

Honnold’s Ultimate Red Rock Traverse: Alex Honnold doesn’t let family life slow him down. We covered his latest project, HURT, a week ago. Now there are more details. On the unforgiving terrain of Red Rock, he set out to achieve a unique personal project: a traverse that took 32 hours, 35 miles, 23 peaks and connected 14 classic rock routes.

There are lots of great rock climbs at Red Rock. Photo: Shutterstock

A guide to Welsh rock climbing

Sandstone Adventures: Wales offers fantastic sport and traditional rock climbing, as well as plenty of bouldering. South Wales sandstone is easily accessible, with Climbing in the UK listing at least 81 sandstone rocks within a 40km radius of Cardiff. If you fancy going there, this destination guide is a good entry point.

Bikepacking in the Arctic: The Far North is not a typical destination for bikepacking. However, the Arctic Post Road, which stretches 400 km between Finland and Norway, offers the possibility of cycling through one of the few remaining wilderness areas in Europe.

A sacred peak: Brazil closed its highest mountain, Pico Da Neblina, nearly 20 years ago due to high visitor numbers and litter and litter issues. Now, an ecotourism company hopes to both open the mountain to hikers and protect the environment and indigenous communities in the area.

Not too late ? : As of 2017, Antarctica’s Thwaites Glacier has been known as the “Glacier of the Apocalypse”. It disappears so quickly that it seems to portend things to come. But scientists studying this rapidly melting river of ice think the impacts of climate change can still be mitigated, depending on how humans respond in decades to come.

A huge glacier at the edge of the ocean.

The apocalyptic glacier? Thwaites retreats, quickly. Photo: Sea research on Thwaites Glacier

5G coverage by drones

Drones bring coverage to Snowdonia: Virgin Media O2 and Llanbedr-based Snowdonia Aerospace Center are testing an innovative way to bring mobile connectivity to remote mountainous areas of the UK. Companies are experimenting with drones that would extend 4G and 5G aerial coverage, helping hikers and rescue services.

More than the Inca Trail: More than 25,000 hikers trek Macchu Pichu each year, but few explore beyond the most famous trail. National geographic explores Qhapaq Ñan’s paved trails and their potential as ecotourism destinations.

Crossing the North Pole: Experience one of the most awe-inspiring expeditions in modern adventure, straight from the horse’s mouth. In this podcast, Borge Ousland talks about the winter expedition to the North Pole he did with Mike Horn.

The Arctic Ocean is becoming acidic due to climate change


Researchers have found that climate change is causing the Arctic ocean become more acidic.

The latest research is the work of a team from University of Gothenburg and was published in the journal Science.

The researchers compared data from a series of Arctic expeditions dating back to 1994 at 2020. The team found that the pH water north of Alaska and Siberia has decreased significantly. The team found that the rate of increase was significantly faster (three to four times) than in other oceans.

According Leif Andersonone of the study’s authors and a marine chemistry researcher at University of Gothenburg:

“The time series of pH measurements made in the Arctic Ocean is long. The oldest come from an expedition in 1994, when the ice cap was extensive and thick, and measurements were taken in the channels between the pack ice. During the 2014 expedition, the icebreaker Oden was able to travel in open water halfway from Siberia to the North Pole.

Discuss the effects of acidification, anderson added:

“Phytoplankton, which absorb carbon dioxide, benefit from climate change. For other species however, the news is not so good. Sea butterflies are a species of predatory sea snails that have aragonite shells which they form from calcium and carbonate ions. We have measured lower and lower levels of aragonite saturation in the ocean during our expeditions. All of these factors are consequences of climate change, and more open water in the Arctic amplifies their effects.

You can find the original research here.

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“When designing this glove, we listened to our customers asking for a simple yet effective waterproof glove,” commented Katie Sanders of Glacier Glove. “With our customer’s requests in mind and with the help of our in-house design team, we were able to build a great all-around glove.”

The redesigned Bristol Bay has been tested and trusted by some of the best anglers, paddlers and hunters in the industry. This glove is now a must for any athlete wishing to stay warm and dry.

The Glacier Glove legacy began in 1982, focused on developing the best fishing gloves in the world. Glacier quickly expanded into producing high quality hunting gloves and hand and head sun protection gear. Glacier Glove cold weather products use windproof fleece and neoprene to perform in cold, wet or windy conditions. Glacier sunscreen products are designed and tested to guarantee a UPF 50+ rating. Every Glacier Glove product is designed for quality, functional dexterity and comfort. Outdoor enthusiasts around the world have chosen Glacier Glove products.


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The following discussion of financial condition, results of operations,
liquidity and capital resources and certain factors that may affect future
results, including economic and industry-wide factors, of Enova International,
Inc. and its subsidiaries should be read in conjunction with our consolidated
financial statements and accompanying notes included under Part I, Item 1 of
this Quarterly Report on Form 10-Q, as well as with Management's Discussion and
Analysis of Financial Condition and Results of Operations included in our Annual
Report on Form 10-K for the year ended December 31, 2021. This Management's
Discussion and Analysis of Financial Condition and Results of Operations
contains forward-looking statements. The matters discussed in these
forward-looking statements are subject to risk, uncertainties, and other factors
that could cause actual results to differ materially from those made, projected
or implied in the forward-looking statements. Please see "Risk Factors" and
"Cautionary Statement Concerning Forward-Looking Statements" for a discussion of
the uncertainties, risks and assumptions associated with these statements.


We are a leading technology and analytics company focused on providing online
financial services. In 2021, we extended approximately $3.1 billion in credit or
financing to borrowers and for the nine months ended September 30, 2022, we
extended approximately $3.3 billion in credit or financing to borrowers. As of
September 30, 2022, we offered or arranged loans or draws on lines of credit to
consumers in 37 states in the United States and Brazil. We also offered
financing to small businesses in all 50 states and Washington D.C. in the United
States. We use our proprietary technology, analytics and customer service
capabilities to quickly evaluate, underwrite and fund loans or provide
financing, allowing us to offer consumers and small businesses credit or
financing when and how they want it. Our customers include the large and growing
number of consumers who and small businesses which have bank accounts but use
alternative financial services because of their limited access to more
traditional credit from banks, credit card companies and other lenders. We were
an early entrant into online lending, launching our online business in 2004, and
through September 30, 2022, we have completed approximately 57.2 million
customer transactions and collected more than 61 terabytes of currently
accessible customer behavior data since launch, allowing us to better analyze
and underwrite our specific customer base. We have significantly diversified our
business over the past several years having expanded the markets we serve and
the financing products we offer. These financing products include installment
loans and receivables purchase agreements ("RPAs") and line of credit accounts.

We believe our customers highly value our products and services as an important
component of their personal or business finances because our products are
convenient, quick and often less expensive than other available alternatives. We
attribute the success of our business to our advanced and innovative technology
systems, the proprietary analytical models we use to predict the performance of
loans and finance receivables, our sophisticated customer acquisition programs,
our dedication to customer service and our talented employees.

We have developed proprietary underwriting systems based on data we have
collected over our more than 18 years of experience. These systems employ
advanced risk analytics, including machine learning and artificial intelligence,
to decide whether to approve financing transactions, to structure the amount and
terms of the financings we offer pursuant to jurisdiction-specific regulations
and to provide customers with their funds quickly and efficiently. Our systems
closely monitor collection and portfolio performance data that we use to
continually refine machine learning-enabled analytical models and statistical
measures used in making our credit, purchase, marketing and collection
decisions. Approximately 90% of models used in our analytical environment are
machine learning-enabled.

Our flexible and scalable technology platform allows us to process and complete
customers' transactions quickly and efficiently. In 2021, we processed
approximately 2.2 million transactions, and we continue to grow our loans and
finance receivable portfolios and increase the number of customers we serve
through desktop, tablet and mobile platforms. Our highly customizable technology
platform allows us to efficiently develop and deploy new products to adapt to
evolving regulatory requirements and consumer preference, and to enter new
markets quickly. In 2012, we launched a new product in the United States
designed to serve near-prime customers. In June 2014, we launched our business
in Brazil, where we arrange financing for borrowers through a third-party
lender. In addition, in July 2014, we introduced a new line of credit product in
the United States to serve the needs of small businesses. In June 2015, we
further expanded our product offering by acquiring certain assets of a company
that provides financing and installment loans to small businesses by offering
RPAs. In October 2020, we acquired, through a merger, On Deck Capital Inc.
("OnDeck"), a small business lending company offering lending and funding
solutions to small businesses primarily in the U.S. to expand our small business
offerings. In March 2021, we acquired Pangea Universal Holdings ("Pangea"),
which provides mobile international money transfer services to customers in the
U.S with a focus on Latin America and Asia. These new products have allowed us
to further diversify our product offerings and customer base.

We have been able to consistently acquire new customers and successfully
generate repeat business from returning customers when they need financing. We
believe our customers are loyal to us because they are satisfied with our
products and services. We acquire new customers from a variety of sources,
including visits to our own websites, mobile sites or applications, and through
direct marketing,

affiliate marketing, lead providers and relationships with other lenders. We
believe that the online convenience of our products and our 24/7 availability to
accept applications with quick approval decisions are important to our

Once a potential customer submits an application, we quickly provide a credit or
purchase decision. If a loan or financing is approved, we or our lending partner
typically fund the loan or financing the next business day or, in some cases,
the same day. During the entire process, from application through payment, we
provide access to our well-trained customer service team. All of our operations,
from customer acquisition through collections, are structured to build customer
satisfaction and loyalty, in the event that a customer has a need for our
products in the future. We have developed a series of sophisticated proprietary
scoring models to support our various products. We believe that these models are
an integral component of our operations and allow us to complete a high volume
of customer transactions while actively managing risk and the related credit
quality of our loan and finance receivable portfolios. We believe our successful
application of these technological innovations differentiates our capabilities
relative to competing platforms as evidenced by our history of strong growth and
stable credit quality.


Our online financing products and services provide customers with a deposit of
funds to their bank account in exchange for a commitment to repay the amount
deposited plus fees, interest and/or revenue on the receivables purchased. We
originate, arrange, guarantee or purchase installment loans, line of credit
accounts and receivables purchase agreements ("RPAs") to consumers and small
businesses. We have one reportable segment that includes all of our online
financial services.

Installment loans. Our installment loans are either written directly by us,
purchased as part of our Bank Programs as discussed below, or are those that we
arrange and guarantee as part of our CSO program as discussed below. We offer,
or arrange through our CSO program, unsecured consumer installment loan products
in 37 states in the United States and small business installment loans in 47
states and in Washington D.C. Internationally, we also offer or arrange
unsecured consumer installment loan products in Brazil. Terms for our
installment loan products range between two and 60 months. Loans may be repaid
early at any time with no additional prepayment charges.

Line of credit accounts. We directly offer, or purchase a participation interest
in receivables through our Bank Programs, new consumer line of credit accounts
in 31 states (and continue to service existing line of credit accounts in two
additional states) in the United States and business line of credit accounts in
47 states and in Washington D.C. in the United States, which allow customers to
draw on their unsecured line of credit in increments of their choosing up to
their credit limit. Customers may pay off their account balance in full at any
time or make required minimum payments in accordance with the terms of the line
of credit account. As long as the customer's account is in good standing and has
credit available, customers may continue to borrow on their line of credit.

Receivables purchase agreements. Under RPAs, small businesses receive funds in
exchange for a portion of the business's future receivables at an agreed upon
discount. In contrast, lending is a commitment to repay principal and interest
and/or fees. A small business customer who enters into an RPA commits to
delivering a percentage of its receivables through ACH or wire debits or by
splitting credit card receipts until all purchased receivables are delivered. We
offer RPAs in all 50 states and in Washington D.C. in the United States.

CSO programs. We currently operate a credit services organization or credit
access business ("CSO") program in Texas. Through our CSO program, we provide
services related to third-party lenders' installment consumer loan products by
acting as a credit services organization or credit access business on behalf of
consumers in accordance with applicable state laws. Services offered under our
CSO program include credit-related services such as arranging loans with
independent third-party lenders and assisting in the preparation of loan
applications and loan documents ("CSO loans"). When a consumer executes an
agreement with us under our CSO program, we agree, for a fee payable to us by
the consumer, to provide certain services, one of which is to guarantee the
consumer's obligation to repay the loan received by the consumer from the
third-party lender if the consumer fails to do so. For CSO loans, each lender is
responsible for providing the criteria by which the consumer's application is
underwritten and, if approved, determining the amount of the consumer loan. We,
in turn, are responsible for assessing whether or not we will guarantee such
loan. The guarantee represents an obligation to purchase the loan, which has
terms of up to six months, if it goes into default.

Bank program. We operate programs with certain banks to provide marketing
services and loan servicing for near-prime unsecured consumer installment loans
and, beginning in January 2021, line of credit accounts. Under the programs, we
receive marketing and servicing fees while the bank receives an origination fee.
The bank has the ability to sell and we have the option, but not the
requirement, to purchase the loans the bank originates and, in the case of line
of credit accounts, a participation interest in the receivables from draws on
those accounts. We do not guarantee the performance of the loans and line of
credit accounts originated by the bank. As part of the OnDeck business both
prior and subsequent to Enova's acquisition, OnDeck operates a program with a
separate bank to provide marketing services and loan servicing for small
business installment loans and line of credit accounts. Under the OnDeck
program, we receive marketing fees while the bank receives origination fees and
certain program fees. The bank has the ability to sell and we have the option,
but not the requirement, to purchase the installment loans

the bank creates and, in the case of line of credit accounts, extensions under such line of credit accounts. We do not guarantee the performance of loans or lines of credit issued by the bank.

Money transfer business. Through the acquisition of Pangea, we operate a money
transfer platform that allows customers to send money from the United States to
Mexico, other Latin American countries and Asia. The customer pays us in U.S.
dollars, and we then make local currency available to the intended recipient of
the transfer in one of many termination countries. Our revenue model includes a
fee per transfer and an exchange rate spread. Our customers can access our
proprietary platform via the website, Android app, or iOS (Apple) app.


We currently offer our services in the following countries:

United States. We began our online business in the United States in May 2004. As
of September 30, 2022, we provided services in all 50 states and Washington D.C.
We market our financing products under the names CashNetUSA at
www.cashnetusa.com, NetCredit at www.netcredit.com, OnDeck at www.ondeck.com,
Headway Capital at www.headwaycapital.com, The Business Backer at
www.businessbacker.com, and Pangea at www.pangeamoneytransfer.com.

Brazil. In June 2014we started our business in Brazil under the Simplic name on www.simplic.com.br, where we arrange installment loans for a third-party lender. We plan to continue to invest in our financial services program and expand it by Brazil.

Our internet websites and the information contained therein or connected thereto
are not intended to be incorporated by reference into this Quarterly Report on
Form 10-Q.


Consumer Financial Protection Bureau (“CFPB”)

We received a Civil Investigative Demand ("CID") from the CFPB concerning
certain loan processing issues. We cooperated fully with the CFPB and provided
all requested data and information in response to the CID. We anticipate being
able to expeditiously complete the investigation as several of the issues were
self­disclosed and we have provided restitution to customers who may have been
negatively impacted. We received a second CID in April 2022 requesting
additional information. We have provided all requested information in response
to the CID.

On October 6, 2017, the CFPB issued its final rule entitled "Payday, Vehicle
Title, and Certain High-Cost Installment Loans" (the "Small Dollar Rule"), which
covers certain consumer loans that we offer. The Small Dollar Rule requires that
lenders who make short-term loans and longer-term loans with balloon payments
reasonably determine consumers' ability to repay the loans according to their
terms before issuing the loans. The Small Dollar Rule also introduces new
limitations on repayment processes for those lenders as well as lenders of other
longer-term loans with an annual percentage rate greater than 36 percent that
include an ACH authorization or similar payment provision. If a consumer has two
consecutive failed payment attempts, the lender must obtain the consumer's new
and specific authorization to make further withdrawals from the consumer's bank
account. For loans covered by the Small Dollar Rule, lenders must provide
certain notices to consumers before attempting a first payment withdrawal or an
unusual withdrawal and after two consecutive failed withdrawal attempts. On June
7, 2019, the CFPB issued a final rule to set the compliance date for the
mandatory underwriting provisions of the Small Dollar Rule to November 19, 2020.
On July 7, 2020, the CFPB issued a final rule rescinding the ability to repay
("ATR") provisions of the Small Dollar Rule along with related provisions, such
as the establishment of registered information systems for checking ATR and
reporting loan activity. The payment provisions of the Small Dollar Rule remain
in place, but remain stayed indefinitely by the United States Court of Appeals
for the Fifth Circuit, which is hearing an appeal from the plaintiff on a
constitutional challenge to the Small Dollar Rule. On October 14, 2021, the
Fifth Circuit ruled that the Small Dollar Rule will not take effect until 286
days after the Fifth Circuit rules on the appeal. On October 19, 2022, a
three-judge panel of the Fifth Circuit U.S. Circuit Court of Appeals ruled that
the funding structure of the CFPB is unconstitutional and vacated the Small
Dollar Rule. The CFPB may appeal the decision. If the Small Dollar Rule does
become effective in its current proposed form, we will need to make certain
changes to our payment processes and customer notifications in our U.S. consumer
lending business.

New Mexico HB 132

On February 15, 2022, the New Mexico Legislature passed HB 132. The bill imposes
a 36% rate cap on loans up to $10,000. Additionally, HB 132 provides for the
application of a predominant economic interest test for bank service
arrangements whereby a broker or servicer with a predominant economic interest
in a loan is considered to be the "true lender" for purposes of applying the 36%
rate cap. The New Mexico Governor signed the bill into law on March 1, 2022. The
law will take effect on January 1, 2023.


Our financial results for the three-month period ended September 30, 2022or the current quarter, are summarized below.

Consolidated total revenue increased $136.0 million, or 42.5%, to $456.2 million
in the current quarter compared to $320.2 million for the three months ended
September 30, 2021, or the prior year quarter.

Consolidated net sales were $294.2 million compared to $246.4 million during the quarter of the previous year.

Consolidated operating profit increases $12.3 millioni.e. 14.3%, to $98.5 million in the current quarter, compared to $86.2 million during the quarter of the previous year.

Consolidated net income was $51.7 million in the current quarter compared to
$51.5 million in the prior year quarter. Consolidated diluted income per share
was $1.57 in the current quarter compared to $1.36 in the prior year quarter.


The following tables reflect our results of operations for the periods indicated, both in dollars and as a percentage of total revenue (in thousands of dollars, except per share data):

                                           Three Months Ended September 30,          Nine Months Ended September 30,
                                              2022                2021                 2022                   2021
Loans and finance receivables revenue      $   449,817       $       316,042     $       1,233,910       $       833,412
Other                                            6,383                 4,118                16,011                10,912
Total Revenue                                  456,200               320,160             1,249,921               844,324
Change in Fair Value                          (162,005 )             (73,778 )            (422,465 )            (100,443 )
Net Revenue                                    294,195               246,382               827,456               743,881
Operating Expenses
Marketing                                      101,278                79,726               286,000               163,548
Operations and technology                       45,953                37,966               128,945               108,628
General and administrative                      37,182                33,557               105,400               116,321
Depreciation and amortization                   11,270                 8,914                28,368                23,001
Total Operating Expenses                       195,683               160,163               548,713               411,498
Income from Operations                          98,512                86,219               278,743               332,383
Interest expense, net                          (30,924 )             (18,163 )             (78,357 )             (57,493 )
Foreign currency transaction gain (loss)           363                  (109 )                  70                  (383 )
Equity method investment (loss) income            (129 )                 529                 6,522                 2,558
Other nonoperating expenses                       (230 )                   -                (1,321 )              (1,128 )
Income before Income Taxes                      67,592                68,476               205,657               275,937
Provision for income taxes                      15,884                16,667                49,105                67,607
Net income before noncontrolling
interest                                        51,708                51,809               156,552               208,330
Less: Net income attributable to
noncontrolling interest                              -                   261                     -                   685
Net income attributable to Enova
International, Inc.                        $    51,708       $        

$51,548,156,552 $207,645
Earnings per common share – diluted $1.57 $$1.36

            4.64       $          5.48


Loans and finance receivables revenue             98.6 %                98.7 %                98.7 %                98.7 %
Other                                              1.4                   1.3                   1.3                   1.3
Total Revenue                                    100.0                 100.0                 100.0                 100.0
Change in Fair Value                             (35.5 )               (23.0 )               (33.8 )               (11.9 )
Net Revenue                                       64.5                  77.0                  66.2                  88.1
Operating Expenses
Marketing                                         22.2                  24.9                  22.9                  19.4
Operations and technology                         10.1                  11.9                  10.3                  12.8
General and administrative                         8.1                  10.5                   8.4                  13.8
Depreciation and amortization                      2.5                   2.8                   2.3                   2.7
Total Operating Expenses                          42.9                  50.1                  43.9                  48.7
Income from Operations                            21.6                  26.9                  22.3                  39.4
Interest expense, net                             (6.8 )                (5.7 )                (6.3 )                (6.8 )
Foreign currency transaction loss                  0.1                     -                     -                     -
Equity method investment income                      -                   0.2                   0.5                   0.3
Other nonoperating expenses                       (0.1 )                   -                  (0.1 )                (0.2 )
Income before Income Taxes                        14.8                  21.4                  16.4                  32.7
Provision for income taxes                         3.5                   5.2                   3.9                   8.0
Net income before noncontrolling
interest                                          11.3                  16.2                  12.5                  24.7
Less: Net income attributable to
noncontrolling interest                              -                   0.1                     -                   0.1
Net income attributable to Enova
International, Inc.                               11.3 %                16.1 %                12.5 %                24.6 %

Valuation of loans and financial receivables

The COVID-19 pandemic severely impacted global economic conditions, resulting in
substantial volatility in the financial markets, increased unemployment, and
operational challenges resulting from measures that governments have imposed to
control its spread. We actively worked with our customers to understand their
financial situations, waive late fees, offer a variety of repayment options to
increase flexibility and reduce or defer payments for impacted customers. We
took measures to adjust our underwriting procedures, which reduced exposure to
more heavily impacted consumers and businesses. Certain of these measures eased
since the height of the pandemic, with improvement of economic conditions and
our outlook.

From a loan valuation perspective, at the onset of the COVID-19 pandemic, we
deemed it appropriate to increase the discount rates used in our
internally-developed valuation models, thereby lowering loan fair values, to
capture the increase in potential volatility in expected cash flows due to the
unprecedented nature of the pandemic and governmental response. These rates
remained consistent for the remainder of 2020. Over the course of 2021, we noted
a tightening of credit spreads in observable pricing in the market; as such, we
reduced the discount rates used in our valuations. As of December 31, 2021, our
discount rates had generally returned to the levels utilized immediately prior
to the pandemic. As of March 31, 2022, June 30, 2022 and September 30, 2022, we
increased our discount rates based primarily on movements in the market during
each period. We believe the adjustments to our discount rates to be responsive
to changes in the market and representative of what a market participant would

After seeing increases in delinquency and charge-offs early in the pandemic, we
experienced significant improvements to these metrics over the remainder of 2020
and into 2021. The U.S. government provided multiple rounds of stimulus
assistance to taxpayers and businesses. Positive COVID-19 test counts in the
U.S. generally decreased across the first half of 2021 although have spiked at
numerous times in the past year as different variants escalate and abate. In
2022, views in the marketplace on the economy and its near-term prospects remain
mixed with concerns on employment, inflation, and other macroeconomic trends. In
certain situations, management concluded that the probability of future
charge-offs was higher than what we had experienced in the past and, therefore,
increased anticipated charge-offs in our fair value models. We continue to
utilize this approach and have adjusted charge-off expectations where
appropriate. As of September 30, 2022, we deemed the resulting fair value to be
an appropriate market-based exit price that considers current market conditions.


In addition to the financial information prepared in conformity with generally
accepted accounting principles ("GAAP"), we provide historical non-GAAP
financial information. We believe that presentation of non-GAAP financial
information is meaningful and useful in understanding the activities and
business metrics of our operations. We believe that these non-GAAP financial
measures reflect an additional way of viewing aspects of our business that, when
viewed with our GAAP results, provide a more complete understanding of factors
and trends affecting our business. Readers should consider the information in
addition to, but not instead of or superior to, our consolidated financial
statements prepared in accordance with GAAP. This non-GAAP financial information
may be determined or calculated differently by other companies, limiting the
usefulness of those measures for comparative purposes.

Adjusted earnings measures

In addition to reporting financial results in accordance with GAAP, we have
provided adjusted earnings and adjusted earnings per share, or, collectively,
the Adjusted Earnings Measures, which are non-GAAP measures. We believe that the
presentation of these measures provides investors with greater transparency and
facilitates comparison of operating results across a broad spectrum of companies
with varying capital structures, compensation strategies, derivative instruments
and amortization methods, which provides a more complete understanding of our
financial performance, competitive position and prospects for the future. We
also believe that investors regularly rely on non-GAAP financial measures, such
as the Adjusted Earnings Measures, to assess operating performance and that such
measures may highlight trends in our business that may not otherwise be apparent
when relying on financial measures calculated in accordance with GAAP. In
addition, we believe that the adjustments shown below are useful to investors in
order to allow them to compare our financial results during the periods shown
without the effect of each of these income or expense items.

The following table provides reconciliations of net earnings and diluted earnings per share calculated in accordance with GAAP to adjusted earnings measures (in thousands, except per share data):

                                               Three Months Ended           Nine Months Ended
                                                 September 30,                September 30,
                                               2022          2021          2022          2021
Net income                                  $   51,708     $  51,548     $ 156,552     $ 207,645
Transaction-related costs(a)                         -             -             -         1,424
Lease termination and cease-use gain(b)              -          (113 )           -          (113 )
Equity method investment loss (income)(c)          129             -        (6,194 )           -
Other nonoperating expenses(d)                     230             -         1,321         1,128
Intangible asset amortization                    2,014         2,013         6,041         4,848
Stock-based compensation expense                 5,457         5,018        15,957        16,072
Foreign currency transaction (gain) loss          (363 )         102           (70 )         373
Cumulative tax effect of adjustments            (1,871 )      (1,581 )      (3,174 )      (5,843 )
Adjusted earnings                           $   57,304     $  56,987     $ 170,433     $ 225,534

Diluted earnings per share                  $     1.57     $    1.36     $    4.64     $    5.48
Transaction-related costs                            -             -             -          0.04
Lease termination and cease-use gain                 -             -             -             -
Equity method investment income                      -             -         (0.18 )           -
Other nonoperating expenses                       0.01             -          0.04          0.03
Intangible asset amortization                     0.06          0.05          0.18          0.13
Stock-based compensation expense                  0.17          0.13          0.47          0.42
Foreign currency transaction (gain) loss         (0.01 )           -             -          0.01
Cumulative tax effect of adjustments             (0.06 )       (0.04 )       (0.10 )       (0.16 )
Adjusted earnings per share                 $     1.74     $    1.50     $    5.05     $    5.95

(a) In the first quarter of 2021, we incurred expenses totaling $1.4 million
($1.1 million net of tax) related to acquisitions and a divestiture of a
(b) In the third quarter of 2021, we recorded a gain of $0.1 million ($0.1
million net of tax) related to the exit of leased office space.
(c) In the second quarter of 2022, we recorded equity method investment income
of $6.3 million ($3.6 million net of tax) that was comprised primarily of an
$11.0 million gain generated on Linear's sale of its operating company,
partially offset by a $4.4 million loss on the sale of OnDeck Canada.
(d) In the third quarter of 2022, second quarter of 2022 and second quarter of
2021, we recorded other nonoperating expenses of $0.2 million ($0.2 million net
of tax), $1.1 million ($0.8 million net of tax) and $0.8 million ($0.6 million
net of tax), respectively, related to incomplete transactions. In the first
quarter of 2021, we recorded other nonoperating expenses of $0.4 million ($0.3
million net of tax) related to the repurchase of securitization notes.

Adjusted EBITDA

The table below shows Adjusted EBITDA, which is a non-GAAP measure that we
define as earnings excluding depreciation, amortization, interest, foreign
currency transaction gains or losses, taxes and stock-based compensation
expense. We believe Adjusted EBITDA is used by investors to analyze operating
performance and evaluate our ability to incur and service debt and our capacity
for making capital expenditures. Adjusted EBITDA is also useful to investors to
help assess our estimated enterprise value. In addition, we believe that the
adjustments for transaction-related costs, lease termination and cease-use loss
(gain), equity method investment income and other nonoperating expenses shown
below are useful to investors in order to allow them to compare our financial
results during the

periods indicated without the effect of income or expense items. The calculation of Adjusted EBITDA, as presented below, may differ from the calculation of similarly titled measures provided by other companies (in thousands):

                                             Three Months Ended            Nine Months Ended
                                                September 30,                September 30,
                                             2022          2021           2022           2021
Net income                                 $  51,708     $  51,548     $   156,552     $ 207,645
Depreciation and amortization
expenses(e)                                   11,270         8,912          28,368        22,990
Interest expense, net(e)                      30,924        17,966          78,357        57,013
Foreign currency transaction (gain)
loss(e)                                         (363 )         102             (70 )         373
Provision for income taxes                    15,884        16,667          49,105        67,607
Stock-based compensation expense               5,457         5,018          15,957        16,072
Transaction-related costs(a)                       -             -               -         1,424
Lease termination and cease-use gain(b)            -          (113 )             -          (113 )
Equity method investment loss
(income)(c)                                      129          (529 )        (6,522 )      (2,558 )
Other nonoperating expenses(d)                   230             -           1,321         1,128
Adjusted EBITDA                            $ 115,239     $  99,571     $   

323,068 $371,581

Adjusted EBITDA margin calculated as
Total Revenue                              $ 456,200     $ 320,160     $ 1,249,921     $ 844,324
Adjusted EBITDA                              115,239        99,571         323,068       371,581
Adjusted EBITDA as a percentage of total
revenue                                         25.3 %        31.1 %          25.8 %        44.0 %

(a) In the first quarter of 2021, we incurred expenses totaling $1.4 million
related to acquisitions and a divestiture of a subsidiary.
(b) In the third quarter of 2021, we recorded a gain of $0.1 million related to
the exit of leased office space.
(c) In the second quarter of 2022, we recorded equity method investment income
of $6.3 million that was comprised primarily of an $11.0 million gain generated
on Linear's sale of its operating company, partially offset by a $4.4 million
loss on the sale of OnDeck Canada.
(d) In the third quarter of 2022, second quarter of 2022 and second quarter of
2021, we recorded other nonoperating expenses of $0.2 million, $1.1 million and
$0.8 million, respectively, related to incomplete transactions. In the first
quarter of 2021, we recorded other nonoperating expenses of $0.4 million related
to the repurchase of securitization notes.
(e) Excludes amounts attributable to noncontrolling interests.

Combined measures of loans and financial claims

In addition to reporting loans and finance receivables balance information in
accordance with GAAP (see Note 3 in the Notes to Consolidated Financial
Statements included in this report), we have provided metrics on a combined
basis. The Combined Loans and Finance Receivables Measures are non-GAAP measures
that include both loans and RPAs we own or have purchased and loans we
guarantee, which are either GAAP items or disclosures required by GAAP. See
"-Loan and Finance Receivable Balances" and "-Credit Performance of Loans and
Finance Receivables" below for reconciliations between Company owned and
purchased loans and finance receivables, gross, change in fair value and
charge-offs (net of recoveries) calculated in accordance with GAAP to the
Combined Loans and Finance Receivables Measures.

We believe these non-GAAP measures provide investors with important information
needed to evaluate the magnitude of potential receivable losses and the
opportunity for revenue performance of the loans and finance receivable
portfolio on an aggregate basis. We also believe that the comparison of the
aggregate amounts from period to period is more meaningful than comparing only
the amounts reflected on our consolidated balance sheet since both revenue and
cost of revenue are impacted by the aggregate amount of receivables we own and
those we guarantee as reflected in our consolidated financial statements.


Revenue and Net Revenue

Revenue increased $136.0 million, or 42.5%, to $456.2 million for the current
quarter as compared to $320.2 million for the prior year quarter. The increase
was driven by a 71.7% increase in revenue from our small business portfolio and
a 28.6% increase in revenue from our consumer portfolio as higher levels of
originations in 2021 and into 2022 have led to higher loan balances for both

Net revenue for the current quarter was $294.2 million compared to $246.4
million for the prior year quarter. Our consolidated net revenue margin was
64.5% for the current quarter compared to 77.0% for the prior year quarter. The
net revenue margin in the prior year quarter was elevated due primarily to lower
delinquency rates and lower than expected charge-offs as a result of portfolio

and lower origins. With creations increasing in the second half of 2021 and across September 30, 2022the current quarter net revenue margin was in a more normalized range.

The following table sets forth the components of revenue and net revenue,
separated by product for the current quarter and the prior year quarter (in

                                           Three Months Ended September 30,
                                              2022                2021           $ Change       % Change
Revenue by product:
Consumer loans and finance receivables
revenue                                    $   277,096       $       215,432     $  61,664           28.6 %
Small business loans and finance
receivables revenue                            172,721               100,610        72,111           71.7
Total loans and finance receivables
revenue                                        449,817               316,042       133,775           42.3
Other                                            6,383                 4,118         2,265           55.0
Total revenue                                  456,200               320,160       136,040           42.5
Change in fair value                          (162,005 )             (73,778 )     (88,227 )        119.6
Net revenue                                $   294,195       $       246,382     $  47,813           19.4 %

Revenue by product (% to total):
Consumer loans and finance receivables
revenue                                           60.7 %                67.3 %
Small business loans and finance
receivables revenue                               37.9                  


Total loans and finance receivables
revenue                                           98.6                  98.7
Other                                              1.4                   1.3
Total revenue                                    100.0                 100.0
Change in fair value                             (35.5 )               (23.0 )
Net revenue                                       64.5 %                77.0 %

Loan and financing balances receivable

The fair value of our loan and finance receivable portfolio in our consolidated
financial statements was $2,765.1 million and $1,635.3 million as of September
30, 2022 and 2021, respectively. The outstanding principal balance of our loan
and finance receivables portfolio was $2,552.6 million and $1,586.4 million as
of September 30, 2022 and 2021, respectively. The fair value of the combined
loan and finance receivables portfolio includes $16.1 million and $16.9 million
with an outstanding principal balance of $11.8 million and $11.4 million of
consumer loan balances that are guaranteed by us but not owned by us, which are
not included in our consolidated financial statements as of September 30, 2022
and 2021, respectively.

Our small business portfolio of loans and finance receivables increased to 61.4%
of our combined loan and finance receivable portfolio at fair value as of
September 30, 2022, compared to 55.2% as of September 30, 2021 due primarily to
more accelerated growth in the small business portfolio. The consumer portfolio
balance decreased to 38.6% of our combined loan and finance receivable portfolio
balance at fair value as of September 30, 2022, compared to 44.8% as of
September 30, 2021. See "-Non-GAAP Disclosure-Combined Loans and Finance
Receivables Measures" above for additional information related to combined loans
and finance receivables.

The following tables summarize the outstanding balances of loans and financial receivables as of September 30, 2022 and 2021 (in thousands):

                                              As of September 30, 2022                         As of September 30, 2021
                                                     Guaranteed                                       Guaranteed
                                      Company          by the                          Company          by the
                                     Owned(a)        Company(a)       Combined        Owned(a)        Company(a)      Combined(b)
Consumer loans and finance
Principal                           $   972,320     $     11,843     $   984,163     $   709,781     $     11,354     $    721,135
Fair value                            1,056,205           16,144       1,072,349         723,553           16,921          740,474
Fair value as a % of principal            108.6 %          136.3 %         109.0 %         101.9 %          149.0 %          102.7 %
Small business loans and finance
Principal                           $ 1,580,289     $          -     $ 1,580,289     $   876,668     $          -     $    876,668
Fair value                            1,708,918                -       1,708,918         911,729                -          911,729
Fair value as a % of principal            108.1 %              - %         108.1 %         104.0 %              - %          104.0 %
Total loans and finance
Principal                           $ 2,552,609     $     11,843     $ 2,564,452     $ 1,586,449     $     11,354     $  1,597,803
Fair value                            2,765,123           16,144       2,781,267       1,635,282           16,921        1,652,203
Fair value as a % of principal            108.3 %          136.3 %         108.5 %         103.1 %          149.0 %          103.4 %

(a) GAAP measure. The loans and finance receivables balances guaranteed by us
relate to loans originated by third-party lenders through the CSO programs that
we have not yet purchased and, therefore, are not included in our consolidated
financial statements.

To September 30, 2022 and 2021, the ratio of fair value as a percentage of principal was 108.3% and 103.1%, respectively, on loans and financial receivables held by the company and 108.5% and 103.4%, respectively , on loans and financial receivables combined. These ratios increased from the prior year primarily due to an improved credit outlook on most products and improved delinquency rates for certain consumer products, partially offset by higher delinquency rates for certain consumer and small business products.

Average amount outstanding per loan and financing receivable

The average amount outstanding per loan and finance receivable is calculated as
the total combined loans and finance receivables, gross balance at the end of
the period divided by the total number of combined loans and finance receivables
outstanding at the end of the period. The following table shows the average
amount outstanding per loan and finance receivable by product at September 30,
2022 and 2021:

                                                             As of September 30,
                                                            2022              2021
Average amount outstanding per loan and finance
Consumer loans and finance receivables(b)               $       2,156     $ 


Small business loans and finance receivables                   37,670       


Total loans and finance receivables(b)                  $       4,980     $      3,633

(a) The disclosure regarding the average amount per loan and finance receivable
is statistical data that is not included in our consolidated financial
(b) Includes loans guaranteed by us, which represent loans originated by
third-party lenders through the CSO programs that we have not yet purchased and,
therefore, are not included in our consolidated financial statements.

The average outstanding amount per loan and financial receivable rose to
$4,980 of $3,633 in the current quarter compared to the prior year quarter, primarily due to an increase in the mix of loans and financial receivables held by small businesses in our portfolio, which are on average larger than our portfolio of consumers.

Average amount of loans and financing receivable

The average loan and finance receivable origination amount is calculated as the
total amount of combined loans and finance receivables originated, renewed and
purchased for the period divided by the total number of combined loans and
finance receivables originated, renewed and purchased for the period. The
following table shows the average loan and finance receivable origination amount
by product for the current quarter compared to the prior year quarter:

                                                              Three Months Ended
                                                                 September 30,
                                                               2022          2021

Average amount at origin of loans and financial receivables(a) Consumer loans and financial receivables(b)(c)

                $      717     $    664
Small business loans and finance receivables(c)                 17,849      


Total loans and finance receivables(b)                      $    2,014     $  1,372

(a) The disclosure regarding the average loan origination amount is statistical
data that is not included in our consolidated financial statements.
(b) Includes loans guaranteed by us, which represent loans originated by
third-party lenders through the CSO programs that we have not yet purchased and,
therefore, are not included in our consolidated financial statements.
(c) For line of credit accounts the average represents the average amount of
each incremental draw.

The average loan and finance receivable origination amount increased to $2,014
from $1,372 during the current quarter compared to the prior year quarter, due
primarily to an increase in the mix of higher dollar amount loans and finance
receivables to small businesses.

Credit performance of financial loans and receivables

We monitor the performance of our loans and finance receivables. Internal
factors such as portfolio composition (e.g., interest rate, loan term, geography
information, customer mix, credit quality) and performance (e.g., delinquency,
loss trends, prepayment rates) are reviewed on a regular basis at various levels
(e.g., product, vintage). We also weigh the impact of relevant, internal
business decisions on the portfolio. External factors such as macroeconomic
trends, financial market liquidity expectations, competitive landscape and
legal/regulatory requirements are also reviewed on a regular basis.

The payment status of a customer, including the degree of any delinquency, is a
significant factor in determining estimated charge-offs in the cash flow models
that we use to determine fair value. The following table shows payment status on
outstanding principal, interest and fees as of the end of each of the last five
quarters (in thousands):

                                                 2021                                    2022
                                         Third          Fourth           First          Second           Third
                                        Quarter         Quarter         Quarter         Quarter         Quarter
Ending combined loans and finance
receivables, including principal
and accrued fees/interest
Company owned                         $ 1,650,771     $ 1,944,263     $ 2,169,140     $ 2,377,514     $ 2,630,537
Guaranteed by the Company(a)               13,239          13,750          11,858          13,997          14,330
Ending combined loan and finance
receivables balance(b)                $ 1,664,010     $ 1,958,013     $ 2,180,998     $ 2,391,511     $ 2,644,867
> 30 days delinquent                       90,782         103,213         113,798         121,459         147,688
> 30 days delinquency rate                    5.5 %           5.3 %           5.2 %           5.1 %           5.6 %

(a) Represents loans originated by third-party lenders through the CSO programs
that we have not yet purchased, which are not included in our consolidated
balance sheets.
(b) Non-GAAP measure.

Consumer loans and financial receivables

The following table includes financial information for our consumer loans and
finance receivables. Delinquency metrics include principal, interest and fees,
and only amounts that are past due (in thousands):

                                                2021                                  2022
                                        Third         Fourth         First          Second           Third
                                       Quarter       Quarter        Quarter         Quarter         Quarter
Consumer loans and finance
Consumer combined loan and finance
receivable principal balance:
Company owned                         $ 709,781     $  867,751     $  888,657     $   936,601     $   972,320
Guaranteed by the Company(a)             11,354         11,790         10,027          11,873          11,843
Total combined loan and finance
receivable principal balance(b)       $ 721,135     $  879,541     $  898,684     $   948,474     $   984,163
Consumer combined loan and finance
receivable fair value balance:
Company owned                         $ 723,553     $  890,144     $  934,351     $   989,128     $ 1,056,205
Guaranteed by the Company(a)             16,921         18,813         14,433          17,860          16,144
Ending combined loan and finance
receivable fair value balance(b)      $ 740,474     $  908,957     $  948,784     $ 1,006,988     $ 1,072,349
Fair value as a % of
principal(b)(c)                           102.7 %        103.3 %        105.6 %         106.2 %         109.0 %
Consumer combined loan and finance
receivable balance, including
principal and accrued fees/interest
Company owned                         $ 768,964     $  927,673     $  951,560     $ 1,004,847     $ 1,039,792
Guaranteed by the Company(a)             13,239         13,750         11,858          13,997          14,330
Ending combined loan and finance
receivable balance(b)                 $ 782,203     $  941,423     $  963,418     $ 1,018,844     $ 1,054,122
Average consumer combined loan and
finance receivable balance,
including principal and accrued
fees/interest outstanding:
Company owned(d)                      $ 702,818     $  836,147     $  953,108     $   966,816     $ 1,027,100
Guaranteed by the Company(a)(d)          11,366         13,212         12,960          12,591          14,421
Average combined loan and finance
receivable balance(b)(d)              $ 714,184     $  849,359     $  

966 068 $979,407 $1,041,521

Revenue                               $ 215,432     $  243,570     $  248,547     $   253,043     $   277,096
Change in fair value                    (97,061 )     (104,715 )     (116,767 )      (133,078 )      (135,646 )
Net revenue                             118,371        138,855        131,780         119,965         141,450
Net revenue margin                         54.9 %         57.0 %         

53.0% 47.4% 51.0%


> 30 days delinquent                  $  45,804     $   59,312     $   70,480     $    72,300     $    77,258
> 30 days delinquent as a % of
combined loan and finance
receivable balance(b)(c)                    5.9 %          6.3 %          7.3 %           7.1 %           7.3 %

Charge-offs (net of recoveries)       $  57,836     $  112,582     $  137,224     $   134,524     $   167,762
Charge-offs (net of recoveries) as
a % of average combined loan and
finance receivable balance(b)(d)            8.1 %         13.3 %         14.2 %          13.7 %          16.1 %

(a) Represents loans originated by third-party lenders through the CSO programs
that we have not yet purchased, which are not included in our consolidated
balance sheets.
(b) Non-GAAP measure.
(c) Determined using period-end balances.
(d) The average combined loan and finance receivable balance is the average of
the month-end balances during the period.

The ending balance, including principal and accrued fees/interest outstanding,
of combined consumer loans and finance receivables at September 30, 2022
increased 34.8% to $1,054.1 million compared to $782.2 million at September 30,
2021, due primarily to the acceleration in originations beginning approximately
mid-2021, following the strategic reduction in originations at the onset of the
COVID-19 pandemic to mitigate risks associated with the pandemic.

The percentage of loans greater than 30 days delinquent increased to 7.3% at
September 30, 2022, compared to 5.9% at September 30, 2021. The increase was
driven primarily by growth in originations in the current year, particularly to
new customers, which typically default at a higher percentage than returning

Charge-offs (net of recoveries) as a percentage of average combined loan balance
increased to 16.1% for the current quarter, compared to 8.1% for the prior year
quarter, driven primarily by growth in originations, particularly to new
customers, which typically default at a higher percentage than returning
customers. In the prior year quarter, this charge-off rate was lower due
primarily to our having a more seasoned and lower risk portfolio remaining as
originations since the onset of the COVID-19 pandemic had been significantly
lower and the majority of higher risk loans to new customers originated in prior
quarters had been charged off. The charge-off rate in the current quarter is
more consistent with rates experienced prior to the COVID-19 pandemic.

The ratio of fair value as a percentage of principal on consumer loans and
finance receivables was 109.0% at September 30, 2022, compared to 102.7% at
September 30, 2021 and 106.2% at June 30, 2022. The increase from June 30, 2022
was primarily driven by an improvement in early-stage delinquencies. Refer also
to "Results of Operations-COVID-19" in "Management's Discussion and Analysis of
Financial Condition and Results of Operations" for additional discussion on loan

Small Business Loans and Financial Claims

The following table includes financial information for our small business loans
and finance receivables. Delinquency metrics include principal, interest, and
fees, and only amounts that are past due (in thousands):

                                                2021                                   2022
                                        Third         Fourth           First          Second           Third
                                       Quarter        Quarter         Quarter         Quarter         Quarter
Small business loans and finance
Total loan and finance receivable
principal balance                     $ 876,668     $ 1,010,675     $ 1,210,389     $ 1,364,055     $ 1,580,289
Ending loan and finance receivable
fair value balance                      911,729       1,074,546       

1,297,533 1,471,723 1,708,918 Fair value as % of principal(a) 104.0% 106.3% 107.2% 107.9% 108.1%

Ending loan and finance receivable
balance, including principal and
accrued fees/interest outstanding     $ 881,807     $ 1,016,590     $ 1,217,580     $ 1,372,667     $ 1,590,745

Average loan and finance receivable
balance(b)                            $ 837,606     $   956,110     $ 1,122,609     $ 1,288,384     $ 1,488,029

Revenue                               $ 100,610     $   115,063     $   132,594     $   149,909     $   172,721
Change in fair value                     24,515          22,804           1,138          (8,764 )       (24,662 )
Net revenue                             125,125         137,867         133,732         141,145         148,059
Net revenue margin                        124.4 %         119.8 %         

100.9% 94.2% 85.7%


> 30 days delinquent                  $  44,978     $    43,901     $    43,318     $    49,159     $    70,430
> 30 days delinquent as a % of loan
balance(a)                                  5.1 %           4.3 %           3.6 %           3.6 %           4.4 %

Dump :

Charge-offs (net of recoveries)       $   7,060     $     7,677     $    20,860     $    27,867     $    43,778
Charge-offs (net of recoveries) as
a % of average loan and finance
receivable balance(b)                       0.8 %           0.8 %           1.9 %           2.2 %           2.9 %

(a) Determined from end of period balances. (b) The average balance of loans and financial receivables corresponds to the average of month-end balances during the period.

The ending balance, including principal and accrued fees/interest outstanding,
of small business loans and finance receivables at September 30, 2022 increased
80.4% to $1,590.7 million compared to $881.8 million at September 30, 2021, due
primarily to the continued impact of strong originations.

The percentage of loans greater than 30 days delinquent was 4.4% at September
30, 2022, compared to 5.1% at September 30, 2021. Delinquency has improved in
all of our small business portfolios, as we have actively worked with our
customers to understand their

financial situations, offering a variety of repayment options to increase flexibility, and reducing or deferring payments for affected customers.

Charge-offs (net of recoveries) as a percentage of average loan balance
increased to 2.9% for the current quarter, compared to 0.8% in the prior year
quarter, due primarily to growth in originations, particularly to new customers,
which typically default at a higher percentage than returning customers. In the
prior year quarter, this charge-off rate was lower due primarily to our having a
more seasoned portfolio remaining as originations since the onset of the
COVID-19 pandemic had been significantly lower and the majority of higher risk
loans to new customers originated in prior quarters had been charged off.

The ratio of fair value as a percentage of principal on small business loans and
finance receivables was 108.1% at September 30, 2022, compared to 104.0% at
September 30, 2021 and 107.9% at June 30, 2022. The increase from June 30, 2022
was nominal as credit metrics remained fairly consistent.

Total operating expenses

Total expenses increased $35.5 millioni.e. 22.2%, at $195.7 million in the current quarter, compared to $160.2 million during the quarter of the previous year.

Marketing expense increased to $101.3 million in the current quarter compared to
$79.7 million in the prior year quarter due primarily to our efforts to capture
increasing market demand for loan products in the current quarter. Certain
marketing costs, such as commissions paid to third-party lead providers, are
variable and increase as originations increase.

Operating and technology expenses increased to $45.9 million in the current quarter compared to $38.0 million in the prior year quarter, primarily due to higher variable costs, particularly personnel and underwriting, due to increased loan originations and loan book size.

General and administrative expense increased to $37.2 million in the current
quarter compared to $33.6 million in the prior year quarter, due primarily to
higher personnel costs.

Depreciation and amortization expense increased $2.4 million or 26.4% compared
to the prior year quarter driven primarily by $3.6 million in impairment charges
recorded in the current quarter on internal-use software that was retired.

Non-operating items

Interest expense, net increased $12.8 million, or 70.3%, to $30.9 million in the
current quarter compared to $18.1 million in the prior year quarter. The
increase was due primarily to an increase in the average amount of debt
outstanding, which increased $867.6 million to $1,933.0 million during the
current quarter from $1,065.4 million during the prior year quarter, partially
offset by a decrease in the weighted average interest rate on our outstanding
debt to 6.46% during the current quarter from 6.65% during the prior year

Provision for income taxes

The effective tax rate of 23.5% in the current quarter was lower than the 24.3%
rate recorded in the prior year quarter due primarily to the revaluation of the
deferred tax liability related to reductions in in state apportionment in
separate company filing states, partially offset by higher nondeductible
executive compensation.

As of September 30, 2022, the balance of unrecognized tax benefits was $73.0
million which is included in "Accounts payable and accrued expenses" on the
consolidated balance sheet, $11.1 million of which, if recognized, would
favorably affect the effective tax rate in the period of recognition. We had
$35.3 million and $44.1 million of unrecognized tax benefits as of September 30,
2021 and December 31, 2021, respectively. We believe that we have adequately
accounted for any material tax uncertainties in our existing reserves for all
open tax years.

Our U.S. tax returns are subject to examination by federal and state taxing
authorities. The statute of limitations related to our consolidated Federal
income tax returns is closed for all tax years up to and including 2017.
However, the 2014 tax year is still open to the extent of the net operating loss
that was carried back from the 2019 tax return. The years open to examination by
state, local and foreign government authorities vary by jurisdiction, but the
statute of limitation is generally three years from the date the tax return is
filed. For jurisdictions that have generated net operating losses, carryovers
may be subject to the statute of limitations applicable for the year those
carryovers are utilized. In these cases, the period for which the losses may be
adjusted will extend to conform with the statute of limitations for the year in
which the losses are utilized. In most circumstances, this is expected to
increase the length of time that the applicable taxing authority may examine the
carryovers by one year or longer, in limited cases.

Net revenue

Net income increased $0.2 million, or 0.3%, to $51.7 million during the current
quarter compared to $51.5 million during the prior year quarter. The increase
was due primarily to higher net revenue resulting from growth in the size of the
business, which was mostly offset by higher associated costs, particularly
marketing and interest.


Revenue and Net Revenue

Revenue increased $405.6 million, or 48.0%, to $1,249.9 million for the
nine-month period ended September 30, 2022, or current nine-month period, as
compared to $844.3 million for the nine-month period ended September 30, 2021,
or prior year nine-month period. The increase was driven by a 73.9% increase in
revenue from our small business portfolio and a 36.2% increase in revenue from
our consumer portfolio as higher levels of originations in 2021 and into 2022
have led to higher loan balances for both portfolios.

Net revenue for the current nine-month period was $827.4 million compared to
$743.9 million for the prior year nine-month period. Our consolidated net
revenue margin was 66.2% for the current nine-month period compared to 88.1% for
the prior year nine-month period. The net revenue margin in the prior year
nine-month period was elevated due primarily to lower delinquency rates and
lower than expected charge-offs as a result of portfolio seasoning and lower
originations. With originations having increased across the second half of 2021
and through September 30, 2022, the net revenue margin in the current nine-month
period was in a more normalized range.

The following table shows the components of revenue and net revenue, separated by product for the current nine-month period and the prior year nine-month period (in thousands):

                                               Nine Months Ended September 30,
                                                 2022                   2021            $ Change       % Change
Revenue by product:
Consumer loans and finance receivables
revenue                                    $         778,686       $       571,681     $  207,005           36.2 %
Small business loans and finance
receivables revenue                                  455,224               261,731        193,493           73.9
Total loans and finance receivables
revenue                                            1,233,910               833,412        400,498           48.1
Other                                                 16,011                10,912          5,099           46.7
Total revenue                                      1,249,921               844,324        405,597           48.0
Change in fair value                                (422,465 )            (100,443 )     (322,022 )        320.6
Net revenue                                $         827,456       $       743,881     $   83,575           11.2 %

Revenue by product (% to total):
Consumer loans and finance receivables
revenue                                                 62.3 %                67.7 %
Small business loans and finance
receivables revenue                                     36.4                


Total loans and finance receivables
revenue                                                 98.7                  98.7
Other                                                    1.3                   1.3
Total revenue                                          100.0                 100.0
Change in fair value                                   (33.8 )               (11.9 )
Net revenue                                             66.2 %                88.1 %

Average Loan Origination

The average loan and finance receivable origination amount is calculated as the
total amount of combined loans and finance receivables originated, renewed and
purchased for the period divided by the total number of combined loans and
finance receivables originated, renewed and purchased for the period. The
following table shows the average loan and finance receivable origination amount
by product for the current nine-month period compared to the prior year
nine-month period:

                                                              Nine Months Ended
                                                                September 30,
                                                              2022          2021

Average amount at origin of loans and financial receivables(a) Consumer loans and financial receivables(b)(c)

                $     677     $ 


Small business loans and finance receivables(c)                16,983       


Total loans and finance receivables(b)                      $   1,773     $  1,358


(a) The disclosure regarding the average loan origination amount is statistical
data that is not included in our consolidated financial statements.
(b) Includes loans guaranteed by us, which represent loans originated by
third-party lenders through the CSO programs that we have not yet purchased and,
therefore, are not included in our consolidated financial statements.
(c) Represents the average amount of each incremental draw on line of credit

The average loan origination amount increased to $1,773 from $1,358 during the
current nine-month period compared to the prior year nine-month period, due
primarily to the gradual easing of restrictions on loan amounts as risks from
the COVID-19 pandemic abated as well as an increase in the mix of higher dollar
amount loans and finance receivables to small businesses.

Total expenses

Total expenses increased $137.2 millioni.e. 33.3%, at $548.7 million in the current nine-month period, compared to $411.5 million during the nine-month period of the previous year.

Marketing expense increased to $286.0 million in the current nine-month period
compared to $163.6 million in the prior year nine-month period. The increase was
due primarily to our efforts to capture increasing market demand for loan
products in the current nine-month period. The prior year nine-month period was
abnormally low due to our strategic actions to mitigate risks associated with
the COVID-19 pandemic. Certain marketing costs, such as commissions paid to
third-party lead providers, are variable and increase as originations increase.

Operating and technology expenses increased to $128.9 million in the current nine-month period compared to $108.6 million in the nine-month period of the prior year, mainly due to higher variable costs, in particular personnel and underwriting, due to the increase in originations and the size of the loan portfolio.

General and administrative expense decreased $10.9 million, or 9.4%, to $105.4
million in the current nine-month period compared to $116.3 million in the prior
year nine-month period, due primarily to synergies achieved following the
October 2020 acquisition of OnDeck.

Depreciation and amortization expense increased $5.4 million or 23.3% compared
to the prior year nine-month period driven primarily by $3.6 million in
impairment charges recorded in the current nine-month period on internal-use
software that was retired as well as additional internal-use software placed
into service and fixed assets and intangible assets acquired with Pangea.

Non-operating items

Interest expense, net increased $20.8 million, or 36.3%, to $78.3 million in the
current nine-month period compared to $57.5 million in the prior year nine-month
period. The increase was due primarily to an increase of $756.2 million in the
average amount of debt outstanding to $1,755.5 million during the current
nine-month period from $999.3 million during the prior year nine-month period,
partially offset by a decrease in the weighted average interest rate on our
outstanding debt to 6.07% during the current nine-month period from 7.65% during
the prior year nine-month period.

Equity method investment income increased $4.0 million, or 155.0%, to $6.5
million in the current nine-month period compared to $2.5 million in the prior
year nine-month period. In the current nine-month period, Linear sold its
operating company, resulting in a gain of $11.0 million, which was partially
offset by a $4.4 million loss on the sale of OnDeck Canada.

Provision for income taxes

The effective tax rate of 23.9% in the current nine-month period was lower than
the effective tax rate of 24.5% in the prior year nine-month period due
primarily to the revaluation of the deferred tax liability related to reductions
in state apportionment in separate company filing states.

Net revenue

Net income decreased $51.0 million, or 24.6%, to $156.6 million during the
current nine-month period compared to $207.6 million during the prior year
nine-month period. The decrease was due primarily to higher costs attributable
to growth in the size of the business coupled with a lower but more normalized
net revenue margin in the current nine-month period.



Capital funding strategy

Since the start of the COVID-19 pandemic, we have taken various actions to
maintain a stable and flexible balance sheet that ensures liquidity and funding
available to meet our business obligations. As of September 30, 2022, we had
cash, cash equivalents, and restricted cash of $172.1 million, of which $84.4
million was restricted, compared to $225.9 million, of which $60.4 million was
restricted, as of December 31, 2021. During the three months ended March 31,
2022, we increased the borrowing capacity on four of our loan securitization
facilities without having to increase any of the respective borrowing rates. In
June 2022, we entered into a new $420.0 million loan securitization facility and
increased the aggregate principal on our existing secured revolving credit
agreement while extending its term. As of September 30, 2022, we had funding
capacity of $579.9 million. Based on numerous stressed-case modeling scenarios,
we believe we have sufficient liquidity to run our operations for the
foreseeable future. Further, we have no recourse debt obligations due until
September 2024.

Historically, we have generated significant cash flow through normal operating
activities for funding both long-term and short-term needs. Our near-term
liquidity is managed to ensure that adequate resources are available to fund our
seasonal working capital growth, which is driven by demand for our loan and
financing products. On May 30, 2014, we issued and sold $500.0 million in
aggregate principal amount of 9.75% senior notes due 2021 (the "2021 Senior
Notes"). On September 1, 2017, we issued and sold $250.0 million in aggregate
principal amount of 8.50% Senior Notes due 2024 (the "2024 Senior Notes") and
used the net proceeds, in part, to retire $155.0 million in 2021 Senior Notes.
On January 21, 2018, we redeemed an additional $50.0 million in principal amount
of the outstanding 2021 Senior Notes. On September 19, 2018, we issued and sold
$375.0 million in aggregate principal amount of 8.50% Senior Notes due 2025 (the
"2025 Senior Notes") and used the net proceeds, in part, to retire the remaining
$295.0 million in principal amount of the outstanding 2021 Senior Notes.

On June 30, 2017, we entered into a secured revolving credit agreement (as
amended, the "Credit Agreement"). On April 13, 2018, October 5, 2018, July 1,
2019 and May 10, 2021, we and certain of our operating subsidiaries entered into
amendments to our Credit Agreement. On June 23, 2022, we entered into an
additional amendment to our Credit Agreement that, among other things, increased
the borrowing capacity to $440.0 million, with a $20.0 million letter of credit
sublimit and $10.0 million swingline loan sublimit. The Credit Agreement bears
interest, at our option, at the base rate plus 0.75% or the Secured Overnight
Financing Rate plus 3.50%. In addition to customary fees for a credit facility
of this size and type, the Credit Agreement provides for payment of a commitment
fee calculated with respect to the unused portion of the commitment, and ranges
from 0.15% per annum to 0.50% per annum depending on usage. The Credit Agreement
contains certain prepayment penalties if it is terminated on or before the first
and second anniversary dates, subject to certain exceptions. The Credit
Agreement matures on June 30, 2026. As of October 26, 2022, our available
borrowings under the Credit Agreement were $130.3 million. Since 2016, we have
entered into several loan securitization facilities and offered asset-backed
notes to fund our growth, primarily in our near-prime consumer installment loan
and small business loan businesses. On October 21, 2022, we entered into a
receivables funding agreement that provides additional funding capacity of
$125.0 million. As of October 26, 2022, we had funding capacity of $506.2
million. We expect that our operating needs, including satisfying our
obligations under our debt agreements and funding our working capital growth,
will be satisfied by a combination of cash flows from operations, borrowings
under the Credit Agreement, or any refinancing, replacement thereof or increase
in borrowings thereunder, and securitization or sale of loans and finance
receivables under our consumer and small business loan securitization

As of September 30, 2022, we were in compliance with all financial ratios,
covenants and other requirements set forth in our debt agreements. Unexpected
changes in our financial condition or other unforeseen factors may result in our
inability to obtain third-party financing or could increase our borrowing costs
in the future. To the extent we experience short-term or long-term funding
disruptions, we have the ability to adjust our volume of lending and financing
to consumers and small businesses that would reduce cash outflow requirements
while increasing cash inflows through repayments. Additional alternatives may
include the securitization or sale of assets, increased borrowings under the
Credit Agreement, or any refinancing or replacement thereof, and reductions in
capital spending, which could be expected to generate additional liquidity.


Our Total stockholders' equity increased by $53.2 million to $1,146.2 million at
September 30, 2022 from $1,093.1 million at December 31, 2021. The increase of
stockholders' equity was driven primarily by net income for the nine months
ended September 30, 2022 and, to a lesser extent, stock-based compensation
expense, partially offset by repurchases of our outstanding common stock. Our
book value per share outstanding increased to $36.24 at September 30, 2022 from
$32.01 at December 31, 2021, which was primarily driven by the decrease in
shares outstanding as a result of share repurchases, which is discussed in more
detail below.

On November 5, 2020, we announced the Board of Directors had authorized a share
repurchase program for up to $50.0 million of our outstanding common stock
through December 31, 2021 (the "2020 Authorization"). On November 4, 2021, we
announced the Board of Directors authorized a new share repurchase program
totaling $150.0 million through December 31, 2022 (the "2021 Authorization").
The 2021 Authorization replaced the 2020 Authorization. On February 9, 2022, we
announced the Board of Directors authorized a new share repurchase program
totaling $100.0 million through June 30, 2023 (the "2022 Authorization"). The
2022 Authorization replaced the 2021 Authorization. Repurchases under our share
repurchase programs are made in accordance with applicable securities laws from

time to time in the open market, through privately negotiated transactions or
otherwise. Our share repurchase programs do not obligate us to purchase any
shares of our common stock. Similar to our previous share repurchase programs,
the 2022 Authorization may be terminated, increased or decreased by the Board of
Directors in its discretion at any time. During the nine months ended September
30, 2022, we had $118.8 million in repurchases of common stock under our share
repurchase programs.


Our cash and cash equivalents are held primarily for working capital purposes
and are used to fund a portion of our lending activities. We do not enter into
investments for trading or speculative purposes. Our policy is to invest cash in
excess of our immediate working capital requirements in short-term investments,
deposit accounts or other arrangements designed to preserve the principal
balance and maintain adequate liquidity. Our excess cash may be invested
primarily in overnight sweep accounts, money market instruments or similar
arrangements that provide competitive returns consistent with our polices and
market conditions.

Our restricted cash represents funds held in accounts as reserves on certain
debt facilities and as collateral for issuing bank partner transactions. We have
no ability to draw on such funds as long as they remain restricted under the
applicable arrangements but have the ability to use these funds to finance loan
originations, subject to meeting borrowing base requirements. Our policy is to
invest restricted cash held in debt facility related accounts, to the extent
permitted by such debt facility, in investments designed to preserve the
principal balance and provide liquidity. Accordingly, such cash is invested
primarily in money market instruments that offer daily purchase and redemption
and provide competitive returns consistent with our policies and market

Current borrowing facilities

The following table summarizes our debt facilities as of September 30, 2022
(dollars in thousands).

                                                         interest     Borrowing           Principal
                                     Maturity date       rate(a)       capacity          outstanding
Funding Debt:
2018-1 Securitization Facility         March 2027   (b)   6.54%           200,000   (h)       175,000
2018-2 Securitization Facility         July 2025    (c)   6.74%           225,000   (i)       189,327
2019-A Securitization Notes            June 2026          7.62%               276                 276

ODR 2021-1 Securitization facility November 2024 (d) 4.33% 200,000 (j) 169,000 ODR 2022-1 Securitization facility June 2025 (e) 5.73% 420,000


RAOD securitization facility December 2023 (f) 5.10% 236,842 (k) 236,842 ODAST III Securitization Bonds May 2027 (g) 2.07% 300,000

Total funding debt                                        4.71%      $  1,582,118       $   1,132,445
Corporate Debt:
8.50% Senior Notes Due 2024          September 2024       8.50%           250,000             250,000
8.50% Senior Notes Due 2025          September 2025       8.50%           375,000             375,000
Revolving line of credit               June 2026          6.51%           440,000   (l)       309,000
Total corporate debt                                      7.84%      $  1,065,000       $     934,000

(a) The weighted average interest rate is determined based on the rates and
principal balances on September 30, 2022. It does not include the impact of the
amortization of deferred loan origination costs or debt discounts.
(b) The period during which new borrowings may be made under this facility
expires in March 2025.
(c) The period during which new borrowings may be made under this facility
expires in July 2023.
(d) The period during which new borrowings may be made under this facility
expires in November 2023.
(e) The period during which new borrowings may be made under this facility
expires in June 2024.
(f) The period during which new borrowings may be made under this facility
expires in December 2022.
(g) The period during which new borrowings may be made under this facility
expires in April 2024.
(h) During the current nine-month period, we amended this facility to increase
the maximum borrowing capacity from $150.0 million to $200.0 million.
(i) During the current nine-month period, we amended this facility to increase
the maximum borrowing capacity from $150.0 million to $225.0 million.
(j) During the current nine-month period, we amended this facility to increase
the maximum borrowing capacity from $150.0 million to $200.0 million.
(k) During the current nine-month period, we amended this facility to increase
the maximum borrowing capacity from $177.6 million to $236.8 million.
(l) During the current nine-month period, we amended the Revolving line of
credit to increase the borrowing capacity from $310.0 million to $440.0 million.
Additionally, we had an outstanding letter of credit under the Revolving line of
credit of $0.8 million as of September 30, 2022.

Our ability to fully utilize the available capacity of our credit facilities may also be affected by provisions that limit concentration risk and eligibility.

© Edgar Online, source Previews

12 environmental photographers to follow in 2023


The GLF Climate 2022 photo competition, organized by the Global Landscapes Forum (GLF), has selected 36 environmental photographers as finalists. Their range of submitted images highlight both the impact of the climate crisis on landscapes around the world and how communities are building resilience and fighting for change.

The winners will be announced on November 11 during GLF Climate 2022, alongside this year’s United Nations Climate Change Conference (COP27) in Sharm el-Sheikh, Egypt. Before that, however, we wanted to show off some of the amazing submissions that will be put before our photo judges.

Here are 12 environmental photographers, in alphabetical order, worth following for more inspiring, educational, and impactful images of our planet in motion.

The photographers’ quotes on their images have been edited for clarity and content.

1. Anthony Ochieng Onyango, Kenya

The Land of Hope. Anthony Ochieng Onyango, GLF Climate Photo Contest 2022

“An aerial view of a grass seed bank in Amboseli, Kenya. The grass seed bank is run by women in the community who supply the area with grass seed for restoration. It is evident that even during the dry season, the grass seed bank is able to withstand the pressures and continue to support the community. »

Follow the work of Anthony Ochieng Onyango, also known as Tony Wild, here.

2. Cecilia Delattre, France

Melting icebergs in the Jökulsarlon glacier lagoon, Iceland.
Last light. Cécilia Delattre, GLF Climate Photo Contest 2022

“This photo was taken in the Jökulsárlón glacier lagoon in Iceland. Melting icebergs break away from the nearby Vatnajökull glacier and end up here, where they are bound to slowly melt with the sun. Will there be more in the years to come?

Follow Cécilia Delattre’s work here.

3. Derrick Milimo, Kenya

Students from Kirangari Primary School plant strawberry seedlings in Kiambu County, Kenya.
Climate Warriors: Kirangari Primary School students plant strawberry seedlings in Kiambu County, Kenya. Derrick Milimo, GLF Climate Photo Contest 2022

“’We’re correcting the ground now for the next generation,’ says Michael Waiyaki. Miti Alliance’s Michael Waiyaki and Joan Njoki have teamed up with other like-minded people to slow the devastating effects of climate change from deforestation by growing trees and transferring their knowledge to the next generation of environmentalists.

Follow Derrick Milimo’s work here.

4. Dikye Ariani, Indonesia

A kingfisher catches a fish in a river.
Bird and water. Dikye Ariani, GLF Climate Photo Contest 2022

“The kingfisher usually hunts fish in the river. This bird can dive into the river to catch fish.

Follow Dikye Ariani’s work here.

5. Esteban Biba, Guatemala

A woman holds a wooden cross while praying for lava from the Pacaya volcano.
Pray. Esteban Biba, GLF Climate Photo Contest 2022

“A woman holds a wooden cross praying that the lava from the Pacaya volcano does not reach her population. For seven weeks, a group of people from the village of El Rodeo went to the volcano to pray as the lava was advancing rapidly towards the houses. The lava stopped a few meters from the first dwelling.

Follow Esteban Biba’s work here.

6. Jenny Zhao, USA

A young polar bear cub climbs on plastic in Hudson's Bay, Canada.
Plastic is everywhere. Jenny Zhao, GLF Climate Photo Contest 2022

“We photographed this young polar bear cub with its mother in October 2021 in Hudson’s Bay, Canada, as the bears were on their migration route waiting for the sea ice to freeze over.”

Follow Jenny Zhao’s work here.

7. Pretty Luo, China

A forest fire is burning in Chongqing, a city in southwest China.
Forest fire in the city. Jolie Luo, GLF Climate Photo Contest 2022

“Chongqing, a city in southwest China, battled wildfires caused by extreme heat waves in August 2022. The fires were scattered across forests in Jiangjin, Dazu, Tongliang and Banan counties of the municipality. . According to the local water resources bureau, 51 rivers in the city have stopped flowing and 24 reservoirs have dried up. With the scorching heat and lack of rainfall, Chongqing issued a red alert, the highest alert level, for wildfires in most districts and counties from Aug. 16 to 23. Faced with the raging flames, people from all walks of life voluntarily mobilized to put out the flames together, showing extraordinary heroism.

Follow Jolie Luo’s work here.

8. Marcio Esteves Cabral, Brazil

12 environmental photographers to follow in 2023
Mirage. Marcio Esteves Cabral, GLF Climate Photo Contest 2022

“This image was taken with a drone at sunset, with views of the lagoons formed by rainwater and the mouth of the Preguiças River in the background.”

Follow the work of Marcio Esteves Cabral here.

9. Mouneb Taim, Syria

12 environmental photographers to follow in 2023
Influence of climate in times of war. Mouneb Taim, GLF Climate Photo Contest 2022

“The war has greatly affected the climate in Syria Destruction. Camps, diseases, displacements and others are the factors. The photo shows people living in camps in winter, with difficult livelihoods due to climate change.

Follow Mouneb Taim’s work here.

10. Muhammad Amdad Hossain, Bangladesh

Fishermen are seen floating above seaweed as they search for a potential catch in the bright green waters of a river.
Cross the seaweed river. Muhammad Amdad Hossain, GLF Climate Photo Contest 2022

“Fishermen are seen floating above seaweed as they search for a potential catch in the bright green waters of a river. The Sirajganj spot in Bangladesh is a popular spot for swimming and bathing, even in the cold water Algae make the water cloudy and climate change causes pollution and the drying up of the river.

Follow the work of Muhammad Amdad Hossain here.

11. Nicholas Shawn Mugarura, Uganda

Gumisiriza Narasi, 62, a security guard and urban farmer, looks sadly up close at the withered passion fruit vines in her garden in Ntinda, Kampala, Uganda
In my withered garden. Nicholas Shawn Mugarura, GLF Climate Photo Contest 2022

62-year-old security guard and urban farmer Gumisiriza Narasi sadly looks closely at the withered passion fruit vines in her garden in Ntinda, Kampala, Uganda on July 28, 2022. “Life is hard, I look at all my passion fruits to dry. It was a huge supplement to my income,” says Narasi. Uganda experienced a prolonged dry spell after the rains which were expected to start in March or April and last until May or June were not enough, with Kampala recording up to nearly 38 degrees Celsius.

Follow the work of Nicholas Shawn Mugarura here.

12. Sharad Iragonda Patil, India

Air pollution mixed with fog rolling over a green landscape.
Air pollution and climate change. Sharad Iragonda Patil, GLF Climate Photo Contest 2022

“Although this photo is beautiful, it can be seen that air pollution will affect nature in the future. Air pollution caused by dust from factories is dangerous in the misty nature in the morning.

Follow Sharad Iragonda Patil’s work here.

The Photo Jury: four more to follow

These 12 environmental photographers are just a few of those shortlisted for the GLF Climate 2022 Photo Contest, which will be presented to a panel of judges bringing together expertise from around the world. Here are the photographers and storytellers making up the jury, whom we also advise you to follow.

Gab Mejia, documentary conservation photographer

The first of our judges is Gab Mejia, a Filipino conservation photographer, environmental storyteller and engineer. Her work focuses on the climate crisis, endangered wildlife, and the intersectionality of culture and environment.

You can see Gab Mejia’s work by following his Instagram here.

Viviane Ponti, commercial photographer

Next up is Viviane, a commercial photographer based in Toronto, Canada. She is an active photographer for Lonely Planet Images, holds a travel portfolio represented by Getty Images, and is a lifelong contributor to Airbnb. His work has been published in international media such as BBC London, BBC trip, Lonely Planet Travel Guides and The New York Timesto name a few.

You can see more of Viviane’s varied work on her website.

Sydelle Willow Smith, storyteller and impact campaign strategist

Our third judge is Sydelle Willow Smith, a Cape Town-based storyteller and impact campaign strategist who works across Africa. His areas of intervention include memory, identity, migration and whiteness. She has collaborated with publications such as The New York Times, UC Observer (Canada), The world, 1843 magazine for The Economist, National Geographic Traveler, among others. She also co-founded Africa’s first solar-powered cinema network, Sunshine Cinema.

Follow Sydelle Willow Smith on Instagram and Twitter to see his storytelling work.

Miora Rajaonary, Freelance Photographer and National Geographic Explorer

Our fourth and final judge is Miora Rajaonary, a documentary photographer born and raised in Madagascar and currently based in Mauritius. In her work, she explores cultural and environmental issues in contemporary Africa and for the past two years has focused on food security and related local initiatives.

Miora is a National Geographic Explorer and the winner of The Fence 2019 photography competition. She also won the top prize at Addis Foto Fest’s Portfolio Review in December 2018 and was one of four winners of the inaugural Getty Fellowship. + Array in July. 2018.

You can stay up to date with Miora Rajaonary’s work on Instagram.

This panel of judges will select the first and second place winners, but you can also get involved by voting for your favorite photo to be nominated for the ‘popular vote’ prize. Take a look at the 36 finalists here and choose the photo you want to win.

Bear Grylls to Join Cunard’s 2023 Insights Program in Alaska


Cunard has announced an exciting new lineup for the Alaskan 2023 Insights Enrichment Program, which will be headlined by renowned outdoor adventurer, Bear Grylls.

Grylls – who has already made headlines for drinking his own urine in his hugely popular survival series – will join Queen Elizabeth’s 2023 maiden voyage to Alaska, round trip from Vancouver on June 8, where he will share his experience as one of the youngest climbers of all time. of Mount Everest, best-selling author, television presenter, and versatile adventurer.

The trip will mark Bear’s first return to Alaska since his momentous visit with then United States President Barack Obama in 2015 – and his first-ever appearance, speaking on a cruise ship.

“I’ve been a Bear Grylls fan since Man against Nature and I’m thrilled that our guests can see it live queen elizabeth next year,” said Matt Gleaves, Cunard’s Vice President of Commercial North America and Australasia.

“Alaska is all about exploration and our team of world-class pioneers will bring the adventure on board; it will be an experience found nowhere else.

The 12-night trip will allow passengers to experience beautiful Glacier Bay National Park, Tracy Arm Fjord, and Hubbard Glacier, with stops in Juneau, Ketchikan, Sitka, and more.

queen elizabeth will make six more trips from Vancouver in June, July and August, while visiting a number of ports, including Skagway, Juneau, Anchorage and Sitka.

Each trip has its own exciting program of Insights adventure and exploration, featuring naturalist Dr. Rachel Cartwright, an Alaska Native Voices cultural heritage guide, plus guest lectures and question-and-answer sessions. an expert in the field of adventure and exploration.

These experts include British mountaineer Kenton Cool – who has summited Everest 15 times, Ann Daniels – one of Britain’s leading polar explorers and the first woman in history to ski to the North and South Poles in an all-female team, and Felicity Aston – Polar scientist turned explorer, author, TV presenter and world record holder for being the first woman to ski across Antarctica alone.

A trip will also feature British maritime archaeologist Mensun Bound, who has led some of the most famous wreck finds, including the discovery of the lost Shackleton Endurance ship earlier this year in Antarctica.

Sture Myrmell, Chairman of Carnival UK, said: “We are delighted to welcome all of our world-class adventurers aboard next year for another fantastic enrichment programme. There’s no better way to experience Alaska – one of the most magnificent places in the world – than aboard the magnificent Queen Elizabeth!”

You can find the full lineup for the Insights Alaska 2023 program below:


Bear Grylls is probably the most recognizable face of adventure on the planet. The former 21 SAS soldier was one of the youngest Everest climbers, although he broke his back in a free fall accident a few months earlier.

Bear’s TV shows include the legendary Discovery Channel show Man against Nature and the hit show Run wild with Bear Gryllsnow in its seventh season on National Geographic Channel.

His Run wild guests have included President Obama (in Alaska), Roger Federer, Julia Roberts, Prime Minister Modi of India and, most recently, Hollywood stars Natalie Portman and Ashton Kutcher.

Bear is a family man, a #1 bestselling author who has sold over 20 million books, the Honorary Colonel of Britain’s Royal Marine Commandos and the first-ever chief ambassador for 55 million young Scouts around the world.

KENTON COOL (June 20 and June 30)

Kenton Cool is an English mountaineer and mountain guide. He is one of Britain’s top alpine and high-altitude climbers and has summited Everest fifteen times, including leading the 2008 and 2009 Sir Ranulph Fiennes expeditions and the 2019 Ben Fogle expedition.

He has completed over 20 notable expeditions in the Great Ranges and in 2013 became the first person to climb Nuptse, Everest and Lhotse in a single push without returning to base camp.

He also skied two 8,000m mountains and guided a successful expedition to the summit of K2. He has also led expeditions across Alaska, including North America’s highest peak, Mount McKinley.

PEN HADOW (July 7)

Explorer and adventurer Pen Hadow was catapulted to international fame when he became the first and only person to complete one of the last great polar challenges – solo, without resupply, from Canada to the North Pole.

It took him three attempts over 15 years to achieve this unique “cutting edge” feat.

Pen has a strong connection to Alaska in his adventures, including attempting to sail to the North Pole from Nome, Alaska.


Ann Daniels is one of Britain’s leading polar explorers. In 2002, Ann became a world record holder when she reached the North Pole despite incredible arctic conditions and became the first woman in history to ski to the North and South Poles as part of an entirely feminine. This journey was never repeated.

In 2009, Ann participated in the first Catlin Arctic Survey over a 100 day, 1000km ice cap traverse in temperatures as low as minus 50ºC. The survey set out from Alaska, walking, skiing and sometimes swimming stretches of open water to reach the geographic North Pole. Ann is described by the Daily Telegraph as one of Britain’s top 20 female adventurers of all time.


Felicity Aston is a polar scientist turned explorer.

In 2012, she became the first woman to ski alone across Antarctica, a 1,744km/1,084m journey that took her 59 days and put her in the Guinness Book of World Records.

She has also created and led record-breaking ski expeditions to the North and South geographic poles with international teams of pioneering women, skied frozen rivers and lakes in Siberia, traveled 36,000 km to the Cold Pole (the place coldest inhabited on the planet), crossed the United States in an airship and ran the Marathon Des Sables foot race in the Sahara. An award-winning author of three books, professional speaker and occasional TV presenter, Felicity in 2016 retraced the journey of the Klondike Gold Rush in 1898 and spent time mining for gold in Alaska and the Yukon to co -present a series for the BBC.


Known as the Indiana Jones of the Deep, Mensun Bound conducted shipwreck surveys and excavations around the world during a career that spanned 40 years.

During this time he excavated one of the oldest known shipwrecks (600 BC).

In 2019, Bound stunned the world with his discovery of Admiral von Spee’s flagship, Scharnhorst, which had been lost in action during World War I.

That same year, Bound was director of exploration for the first search to find Shackleton’s ship “Endurance”. In 2022 the search resumed and on March 5 the Endurance was found and, as Bound predicted, she was standing, largely intact, proud of the seabed in an excellent state of preservation.

Antarctic emperor penguin officially listed as endangered • Earth.com


On Tuesday, October 26, 2022, the US Fish and Wildlife Service listed the Antarctic emperor penguin (Aptenodytes forsteri) as an endangered species. Although this species is very resilient and can withstand high winds and freezing temperatures in order to breed and protect its eggs and offspring, melting sea ice is currently disrupting the habitat it needs to breed, feed and protect themselves from predators, possibly bringing them to the brink of extinction by the end of the century.

“This list reflects the growing extinction crisis,” said Martha Williams, director of the US Fish and Wildlife Service. “Climate change is having a profound impact on species around the world.”

Although the Center for Biological Diversity previously petitioned Fish and Wildlife to add the emperor penguin to its Endangered Species Act in 2011, no action has been taken for over a decade, increasing the risks to which this species is exposed. As previous studies have shown, while the sea ice around Antarctica has been shown to be more durable than that at the North Pole, nearly all colonies of emperor penguins on the southern continent could be pushed to extinction by by the end of the 21stst century, unless urgent action to drastically reduce global greenhouse gas emissions is taken.

“This body of science really helped make that decision very clear,” said Shaye Wolf, director of climate science at the Center for Biological Diversity. “That the penguin is threatened by climate change and needs all the protection it can get.”

Although emperor penguin populations appear to be stable at the moment – with 625,000 to 650,000 birds moving around Antarctica – there are already worrying signs of what the future may hold for this iconic bird. For example, in recent years breaking up of pack ice before chicks are ready to swim at Cape Crozier or Halley Bay has led to breeding failures.

Scientists and conservationists hope listing the endangered species will lead to stricter limits on fishing for krill – the penguin’s main food source – around Antarctica, as well as to require US officials to consider the climate implications of various federal projects before approving them. .

“If we manage to act, and especially act now, we can still avoid extinction,” concluded Stéphanie Jenouvrier, a scientist at the Woods Hole Oceanographic Institution who has studied the current situation of emperor penguins in Antarctica.

The official document listing endangered penguins can be accessed here.

Check us out at EarthSnap, a free app powered by Eric Ralls and Earth.com.

By Andrei Ionescu, Terre.com Personal editor

Could the next pandemic emerge from melting glaciers? Here’s what the science says


As the frost melts off the creatures stuck under the ice for thousands of years, they are ready to enter the world of today.

The premise sounds like something out of a horror movie, but there’s some truth to it, especially in the cases of viruses frozen in glaciers. Considering melting ice caps, which is a direct product of climate change, what threats do these ancient viruses pose to human life?

Climate change and viruses

A new study published in the journal Proceedings of the Royal Society B has found that frozen ancient viruses that exist in glaciers may be of concern, as melting icebergs will allow the pathogen to escape, according to Living room.

Researchers analyzed soil and lake sediments from Lake Hazen, a freshwater lake in Canada, north of the Arctic Circle, to study the “spillover risk” where a virus is able to continue to infect and spread. transmit in a sustainable way, by the study.

The samples were then analyzed for their DNA and RNA to match them to known living organisms.

According The Guardianresearch has found that the risk of overflow is higher in areas where glacial meltwater typically infiltrates, but current levels of global warming may make this a common occurrence.

Work is still ongoing as known viruses and their abilities are identified.

“The melting will not only result in the loss of these old archived microbes and virusbut also release them into environments in the future,” another study from last yearled by author and microbiologist Zhi-Ping Zhong, of The Ohio State University, concluded.

Climate change and virus science

Does this mean climate change could invite another pandemic? Not exactly. As the study notes, “assess the risk of overflow” is not the same as predicting a pandemic.

“As long as viruses and their ‘bridge vectors’ are not simultaneously present in the environment, the likelihood of dramatic events is likely to remain low,” said the research said.

“But as climate change drives changes in species range and distribution, new associations may emerge, bringing vectors that can mediate viral fallout.”

What does other research say?

Research last year identified 33 viruses that are 15,000 years old and originated from the Guliya Ice Cap on the Tibetan Plateau.

“These glaciers were formed gradually, and together with the dust and the gases, very many viruses were also deposited in this ice,” Zhi-Ping said in a Press release.

Meanwhile, Ohio State University microbiologist Matthew Sullivan noted that these viruses, which “would have thrived in extreme environments”, have “genes that help them infect cells in cold environments – just surreal genetic signatures of how a virus is able to survive in extreme conditions” .

Another study from 2014 managed to revive a virus, which had not been active for 30,000 years and originated in Siberia.

Former UBS advisor with $30 billion says avoiding icebergs is key to happy clients


Last name: Rob Sechan

Solidify: NewEdge Capital Group

Location: Pittsburgh

AT M : $30.6 billion

Forbes ranking: America’s Best RIA Companies, America’s Best Wealth Advisors, State’s Best Wealth Advisors

Background: Sechan did undergraduate and business school at Carnegie Mellon University before joining Morgan Stanley
in 1996 as a new financial adviser, where he became executive director. He then held managing director positions at Lehman Brothers and UBS, before NewEdge Wealth was launched to serve the needs of family offices and ultra-high net worth institutional clients in late 2020. The company is a subsidiary of NewEdge Capital Group, which also supports over 300 financial advisors through RIA’s sister company, NewEdge Advisors (formed through a merger with Goss Advisors).

mentors: Sechan cites his grandfather as his greatest mentor. “He quit school in seventh grade, started a trucking business, and ended up becoming hugely successful through hard, brutal work,” he describes. Sechan credits this philosophy with helping him as an advisor today, while trying to view success as the “net present value of everything I do for a client.”

Investment philosophy/strategy: “Quality always saves you: stay invested offensively, but do it smartly,” Sechan says, advising investors to look for companies with high free cash flow, sustainable margins and consistent earnings. So far this year, he has identified opportunities in the energy and healthcare sectors, as well as in short-term fixed income bonds. Sechan also identifies areas where he sees less traditional opportunities, such as venture credit or private investments. Additionally, battered international stocks could present future opportunity, while “quality growth companies – which are reasonably priced with strong earnings – could be a good place to invest in the next bull market”, predicts Sechan. .

Competitive advantage : Sechan uses a goals-based wealth management strategy: “We strongly believe that there has to be a target to aim for,” he says. His firm shares his approach, with a team of advisors who consider each client’s current asset, liquidity, lifespan and legacy needs. Additionally, in addition to providing resources for advisors as well as clients, NewEdge also hosts small conferences with notable guest speakers, including billionaire hedge fund manager Leon Cooperman, who spoke in April 2022.

Investment Prospects: “We’ve been cautious all year, using short bounces to improve the quality of our portfolios,” says Sechan. Despite the market turmoil, most of his clients were well protected from the sell-off thanks to asset allocation and equity positioning, he describes. “What’s unusual about this bear market is that you don’t have a chance for the Fed to pivot yet,” Sechan says, adding that there needs to be substantial disinflation to allow rates to come back down and the US dollar to weaken again. . “We are close to a place where things will be more attractive – history suggests we should see opportunities – but not yet.”

What keeps you up at night: “Honestly, I think about customers,” Sechan says. “It’s about making sure we’re on top of things and avoiding icebergs,” he says, adding: “Successful investing is as much about risk management as anything else – so we think constantly to what might break.”

Favorite Book/Movie: Sechan cites the first book by Michael Lewis, Liar’s Pokeras his favorite.

NY Guard’s 109th Airlift Wing Supports Antarctic Research > Air National Guard > Item Display

NY Guard’s 109th Airlift Wing Supports Antarctic Research > Air National Guard > Item Display

STRATTON AIR NATIONAL GUARD BASE, NY – The New York Air National Guard’s 109th Airlift Wing launched the first of five LC-130 “Skibird” aircraft to Antarctica on October 19 to support research for the National Science Foundation.

The LC-130 version of the C-130 Hercules is the largest aircraft in the world capable of landing on snow and ice on skis. Aircraft are fitted with eight-blade propellers for turboprops to provide additional power.

Throughout the four-month support season, 420 Airmen will be deployed for the mission.

Airmen will operate from the National Science Foundation’s McMurdo Station, transporting personnel and supplies across the continent from November through March.

During Operation Deep Freeze, the Navy and Air Force work together to resupply US science stations in Antarctica.

“With a standard four-month season of operations on the Antarctic continent ahead of us, I am extremely confident in the men and women of the 109th and their ability to execute our specialized mission with the highest level of professional skill,” said said the Colonel. Christian Sander, the commander of the 109th Airlift Wing.

The 109th Airlift Wing is essential in supporting climate research and other scientific activities during the Antarctic summer.

“This season should be like a ‘normal’ pre-COVID operational model where crews and support staff are swapped regularly throughout the season. Some COVID mitigation precautions will be taken to minimize impacts in Antarctica,” said Major Shay Price, the wing’s chief Antarctic operations officer.

The 109th’s primary mission for the 2022-23 season will be to support science efforts at three science camps outside of the McMurdo area.

These are the South Pole Station, the West Antarctic Ice Sheet Division Camp, and the Siple Dome Camp. The wing will also support air transport between New Zealand and Antarctica, Price said.

Outpost camps serve as aviation hubs and refueling points for cross-continent travel and scientific research in West Antarctica. The Amundsen-Scott South Pole Station is a National Science Foundation research facility at the South Pole.

During the 2021-2022 sustainment season, the 109th Airman flew 40 missions, transporting 204 passengers and 357,926 pounds of cargo to research stations across Antarctica.

Crews also flew 24 missions between bases on the mainland and 16 between Christchurch, New Zealand and Antarctica, including four medical evacuations.

“Deployment teams and support staff are eager to return to a more robust airlift schedule, similar to pre-pandemic deployments,” Price said.

The unique capabilities of the ski-equipped LC-130 aircraft make it the only one of its kind in the U.S. military capable of landing at the South Pole and in remote locations in the Antarctic interior and on the ice sheet. from Greenland.

The Paradox of Punishment: Understanding the Unintended Consequences of the Suspension of Arctic Cooperation with Russia


The era of the Arctic exception is over: the Far North region is no longer a protected sphere of engagement and dialogue between Russia and the West. The March decision by the Arctic Council states to suspend cooperation with Moscow in the Arctic was immediately welcomed but could still prove rather short-sighted. Coupled with continuing capability shortfalls in which Washington has only two icebreakers (old maids prone to fires and breakdowns), with Russia’s number around forty, the United States has essentially put its Arctic interests in the line of fire by suspending the dialogue with Russia.

There is a price to pay for isolating Moscow in the Arctic – where geography rightfully assigns Russia more than half of the theater. The ability to maintain control of Washington’s own Arctic border is complicated by a litany of second-order effects that stem from the cessation of dialogue with Russia in the Arctic context. Washington should expect new Arctic players, namely China and India, in its polar backyard. The region is set to become a more crowded and contested strategic theater.

Make no mistake, Russia is stepping up its efforts to bring new players into the Arctic. Western sanctions against Russian energy companies in the Arctic and developments in Arctic shipping have allowed Chinese, Indian and Middle Eastern companies to take stakes (at reduced rates) in companies formerly owned by the West, thus strengthening their geoeconomic implantation in the Russian Arctic. Increased investment often leads to a reinforced military footprint by stakeholders keen to protect national (economic) interests: just look at China’s strategy in Africa. Beijing repeating this strategy in the Russian Arctic is not at all unlikely.

Recently, Chinese and Russian naval vessels were spied off the coast of Alaska near the Bering Strait. China has its own Arctic designs, as codified in its 2018 Arctic Policy. In addition, Beijing has considerable relevant capability: a local icebreaker construction industry, two state-of-the-art icebreakers and a nuclear-powered icebreaker soon to enter service.

China’s resource strategy for the Arctic is well documented. Yet recent months have seen clear signs of a burgeoning Russian-Indian Arctic relationship. India has long signaled its intention to deepen its ties with Russia in the Arctic and recently drafted its first Arctic policy. Then there’s the United Arab Emirates, which is keenly developing a specialized fleet of ice-hardened container ships to take advantage of the Arctic’s Northern Sea Route (NSR). The NSR is set to one day reshape global transportation, reducing transit times between Asia and Europe by up to 40%.

Many states are actively working to take advantage of the breakdown in Arctic cooperation between Russia and the West. This is evident in the international governance space – just look at the United Nations Security Council (UNSC). Of the thirteen Arctic Council observer states, four currently sit on the UNSC. China, a permanent member of the UNSC and an observer at the Arctic Council, abstained from the resolution denouncing Russia, as did India (a non-permanent member of the UNSC and an observer at the Arctic Council).

It is in the strategic interest of the West to maintain the integrity of certain Arctic agreements. This, however, requires engagement with Russia. One example, given China’s increased irregular warfare capabilities, particularly its maritime militia, is the ban on commercial fishing in the central Arctic Ocean. The initial period covered by the ban runs until 2037, during which time Arctic states will need Russia’s support if China is to be held accountable for any violations. It is a simple reality that no other Arctic state has the same means as Russia to counterbalance Beijing.

There are also other agreements whose lasting success depends on engagement with Russia. An increase in tourism to the Arctic – a region with many natural hazards and few resources to respond to emergencies – makes ensuring adequate maritime search and rescue capacity a priority. It is a challenge if more than 50% of the region’s maritime resources are excluded from the dialogue. Similarly, the management of environmental and marine disasters in the Arctic and the facilitation of scientific cooperation in the Arctic require dialogue between all Arctic states.

This is not an argument against the measures taken to punish Russia for its aggression against Ukraine. It is a question of protecting what remains of the status quo of the Arctic and of the atmosphere of low tension which has reigned there for forty years. But to do so, the Arctic states must re-establish a basic dialogue with Russia on Arctic affairs and concerns. After all, we cannot really discourage state behavior if there is no dialogue.

Of course, maybe the opportunity has come and gone. The sabotage of the Nord Stream gas pipelines could be the clearest indication from Moscow that there is no return to the status quo with the West. Perhaps Russia has little or no interest in re-engaging with the West in the Arctic either. If so, then ultimately the March decision to cut cooperation and freeze one of the few remaining avenues of engagement with Russia will only bring short-term gains to the West. . Pushing Russia into Chinese (or Indian) weapons will overpopulate the Arctic in the long run and make it difficult to control. Better the devil you know than the devil with friends. The United States has essentially drawn on engagement and dialogue with Russia in the Arctic, and according to its new Arctic strategy, this position will remain for the “foreseeable future”. But it is important to grasp exactly what the region is now intended for. New players, new expectations and essentially new interpretations of international rules are undoubtedly about to emerge in the great Arctic game. The question is, of course, whether Washington is ready to play.

Dr Elizabeth Buchanan is Head of Naval Research at the Sea Power Center – Australia. Dr. Buchanan is co-director of MWI’s 6633 project. Follow her on Twitter: @BuchananLiz.

The views expressed are those of the author and do not reflect the official position of the United States Military Academy, Department of the Army, or Department of Defense, or of any organization to which the author is affiliated. affiliate, including the Australian Department of Defense and Defense. the Royal Australian Navy.

Image: Russian, American and Canadian icebreakers travel together near the North Pole in 1994 (Credit: Lieutenant Commander Steve Wheeler, US Coast Guard)

Army pays tribute to soldier who died on Siachen Glacier


New Delhi, October 23: The Indian army on Sunday paid tribute to Havaldar Darpan Pradhan who
made the ultimate sacrifice on October 21 while deployed on the Siachen Glacier.
In early August, Indian Army Northern Command recovered the remains of a
soldier after 38 years, who disappeared during “Operation Meghdoot” in 1984.
‘Operation Meghdoot’, the codename for an Indian armed forces operation, was launched 38 years ago
April 13 is there.
Launched in 1984 to capture the Siachen Glacier in and precipitating the Siachen
conflict, this military operation was unique because the first assault was launched at the is the highest
battlefield. Military action allowed Indian troops to take control of the entire Siachen Glacier.
Indian Army said Lance Naik, late Chander Sekhar, has been missing since May 29, 1984 at
“LNk (late) Chander Shekhar was identified using the identification disc bearing his army
number that was entangled with the mortal remains,” he said, adding that further details
were recovered from the official archives of the army.
According to Indian Army records, the late soldier had been deployed for Operation Meghdoot
at the Gyongla glacier in 1984.
“An Indian Army patrol recovered the remains of LNk (late) Chander Shekhar who was
missing since May 29, 1984 while deployed on a glacier due to an avalanche,” the Northern Command
of the Indian Army said in a tweet.
The Siachen Glacier is the highest battlefield in the world, where and Pakistan fought
intermittently since 1984. Both countries maintain a permanent military presence in the region at a
height of more than 6,000 meters (20,000 feet). More than 2,000 soldiers died in this
inhospitable terrain, mainly due to extreme weather conditions and the natural hazards of mountain warfare.

In a pinch? Here are the four loans you can get the fastest


Image source: Getty Images

When you’re in a bind and need cash fast, it’s important to know what your options are. There are different types of loans that you can get relatively quickly, depending on your needs. Before taking out a personal loan, it’s important to understand the different types of personal loans and find the one that’s right for you. Here are four of the most common.

1. Credit cards

If you have good credit, you may be able to get a cash advance on your credit card. This is usually a quick and easy process, but it will come with high interest rates. So if you are able to repay the loan quickly, this could be a good option. Cash advances can be very useful in an emergency situation when you need money immediately.

Discover: These personal loans are the best for debt consolidation

More: Prequalify for a personal loan without affecting your credit score

Another benefit of using a credit card for a cash advance is that you may already have money available on your line of credit that you can use. This can be useful if you don’t want to take out a new loan or use other assets as collateral. However, using a credit card for a cash advance also has some drawbacks. First, as mentioned earlier, interest rates on cash advances are usually very high. This means that if you don’t repay the loan quickly, you could end up paying a lot of interest. Also, most credit cards have limits on how much you can borrow as a loan. So if you need a large sum of money, this might not be the best option.

2. Payday Loans

Payday loans are one of the fastest ways to get cash, but they come with high interest rates and fees. They’re usually only for small amounts of money, so if you need a lot of cash quickly, they’re probably not the best option. However, if you just need a little extra money to last you until your next paycheck, a payday loan might work. Payday loans are not ideal, Nevertheless. These are short-term, high-interest loans, usually due by your next payday in a single amount. Currently, 37 states regulate payday loans due to their high costs.

Payday loans are usually for $500 or less and are due on your next payday. Depending on state laws, people can get payday loans online or through a storefront lender. A typical two-week payday loan can have annual percentage rates (APR) as high as 400%. By comparison, credit card APRs can range from 12% to 30%. Payday loans should be considered an option of last resort.

3. Pawnbroker

Pawnbrokers are short-term loans secured by an object of value that people bring to a pawnbroker. As they are backed by the value of the object, they are cheaper than payday loans but are more expensive than a conventional loan. Pawnbrokers are regulated by the government. This type of loan is ideal for people who need cash quickly without a credit check.

Loan terms vary by pawnbroker. People can use valuables, such as jewelry or electronics, to get a loan based on the value of the item. No credit check is required. Those who may not qualify for a traditional loan can consider a pawnbroker. Once the loan amount is paid off, you will receive your items. If you don’t pay it back, the pawnbroker can seize the secured items.

4. Securities Lending

Title loans are another quick way to get cash. They are short lived secured personal loans supported by your car. Financial institutions put a lien on your car. If you are unable to repay the loan, they can seize your car, as it is used as collateral. Title loans generally do not consider your credit and can be approved quickly. However, a title loan is very expensive, with an APR of around 300%.

These are four of the most common types of loans that you can get relatively quickly. Consider which one best suits your needs and compare interest rates and fees before you apply. Understand how these personal loans work can help you make a smarter decision.

The Ascent’s Best Personal Loans for 2022

Our team of independent experts have pored over the fine print to find the select personal loans that offer competitive rates and low fees. Start by reviewing The Ascent’s best personal loans for 2022.

We are firm believers in the Golden Rule, which is why editorial opinions are our own and have not been previously reviewed, approved or endorsed by the advertisers included. The Ascent does not cover all offers on the market. The editorial content of The Ascent is separate from the editorial content of The Motley Fool and is created by a different team of analysts. The Motley Fool has a disclosure policy.

The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Bedford student heads for the North Pole of Inaccessibility in climate-critical world record attempt

Sonia Evans. Image: Sonia Evans

Sonia Evans of Bedford Borough has been chosen by world-renowned explorer Jim McNeill to join an expedition to be the first in history to reach the North Pole of Inaccessibility.

The 20-year-old, from Sharnbrook and a student at Plymouth University, has her dream of becoming a polar explorer now coming true as she undergoes a comprehensive and intensive training programme.

This will then see her undertake one of four 20-day legs, pushing the route across the Arctic Ocean to the Pole of Inaccessibility.

Defined as the furthest point from earth on the Arctic Ocean, the North Pole of Inaccessibility remains the last truly significant place in the Polar Regions, yet to be reached by humanity.

It is over 270 miles further than the geographic North Pole and the entire trip will be nearly 800 miles from the northern shores of Canada.

The four north poles

  • Geographic North Pole (90°N): Fixed location on the surface of the Arctic Ocean where the lines of longitude meet and at the top of the Earth’s axis of rotation. First seen in 1926 from the airship Norge.
  • Magnetic North Pole (86.50° N and 164.04° E): Wandering place at 90 degrees to the Earth’s surface, from which the magnetic lines of force emerge. The north end of a compass needle points towards this pole, it moves at a current rate of 60 km each year.
  • Geomagnetic North Poles (80.7°N, 71.7°W): The point where the geomagnetic field is closest to true north and the northern end of the geomagnetic field that surrounds the Earth in space as the magnetosphere. The Northern Lights occur around this pole.
  • North Pole of Inaccessibility (85.8°N, 176.15°E): the farthest point from any coast or the very center of the Arctic Ocean. Created by Sir Hubert Wilkins by air in 1927 and recently repositioned by Jim McNeill and NSIDC scientists using satellite technology.

How the Magnetic North Pole and Geomagnetic North Poles Have Moved Since 1900
How the Magnetic North Pole and Geomagnetic North Poles Have Moved Since 1900

The expedition isn’t just a record-breaking adventure, as Sonia and the team will collect “crucial datasets” to monitor climate change.

This will help define the state of the ocean for scientists at the NASA-funded National Snow and Ice Data Center (NSIDC) led by Nobel Prize-winning scientist Walt Meier.

This data, along with meteorological data, pollution measurements, and counts of polar bears that may encounter it, will provide the reality of climate change and make the whole effort meaningful and worthwhile.

“As a student looking to pursue a career in polar research, the Ice Warrior Expedition is an incredible opportunity that I feel privileged to be part of,” said Sonia Evans.

“I’m super excited to contribute to the science of global change, to experience arctic conditions, and to deal with the mental and physical challenges that will come with it.”

Sonia Evans and the Ice Warrior team train on Dartmoor.  Image Sonia Evans/Instagram
Sonia Evans and the Ice Warrior team train on Dartmoor. Image Sonia Evans/Instagram

Explorer, Expedition Leader and Ice Warrior Founder Jim McNeill added, “I am thrilled to have Sonia on the Expedition Team and look forward to training her in all aspects that will make her a competent polar traveler.

Sonia recently trained on Dartmoor helping with team building, as well as learning navigation, outdoor first aid, firearms, pulley systems and knots.

The training will continue in January in Longyearbyen in the Norwegian archipelago of Svalbard before the departure of the expedition from Canada in February.

The Bedford Independent will report on Sonia and the Ice Warrior expedition, but you can also follow her progress yourself on Instagram.

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Co-Editor, Bedford Independent. Paul Hutchinson started as a reporter at a local radio station 20 years ago. Here he developed a passion for local media and rose through the ranks to become associate editor of what was then the largest commercial radio news center in the country. Paul is passionately passionate about local journalism and its important role in supporting democracy and the communities it serves. Paul also sits on the code committee of regulator IMPRESS and plays an active role in promoting responsible and accurate journalism, as well as empowering young writers to become the responsible and ethical journalists of the future.

The busiest season for a decade » Explorersweb


The Antarctic summer is shaping up to be the busiest season since 2011-12. A few familiar names and a slew of new South Pole hopefuls are gearing up to start in November or December.

Let’s break down the shipments that have been announced so far.

Partial crossings

There are three variants of partial crossings of Antarctica this season. So far, no one has attempted a full crossing of the continent.

Gareth Andrews and Richard Stephenson

Australian Gareth Andrews and Kiwi Richard Stephenson are aiming for a slightly elongated version of the journey that Colin O’Brady and Lou Rudd took in 2018. They will start from the north of Berkner Island, head for the South Pole, then head to the nearest “coast”, the Ross Ice Shelf, to complete their 2,023 km journey. However, their endpoint is not a true coastal arrival, as they plan to end their journey at the inner edge of the permanent pack ice.

The couple originally referred to their expedition as “The Last Great First”, a title that comes up once every two years. Instead, they’ve aptly renamed it Antarctica 2023. Their partial crossing is certainly not the last big first, although it would be an impressively long journey.

Road map of Andrews and Stephenson. Photo: Antarctica 2023

As they still prominently advertise their expedition as unsupported, it will be interesting to see if they use the graded and marked route from the South Pole to the Ross Ice Shelf. The route, used by polar scientists, eliminates the need to navigate and offers a smooth ride without crevices or the bumpy sastrugi that skiers dread.

Preet Chandi

Last year, Preet Chandi completed his 1,126 km solo expedition from Hercules Inlet to the South Pole in an impressive 40 days. This year she returns for an even longer slog – a partial solo traverse of around 1,000 miles. Presumably, like last year, Chandi departs from Hercules Inlet towards the South Pole. From there it will continue to the Ross Ice Shelf.

Chandi is flying to Chile soon and plans to leave with a 120kg pulka in early November.

A woman skis towards the camera through the snow in Antarctica.

Preet Chandi during his 2021-2022 Antarctica expedition. Photo: Preet Chandi

Australian Defense Force

An Australian Army team (veterans and serving personnel) will also support a variation of the same partial crossing. The six-person team consists of expedition leader Emily Chapman, Vincent Carlsen, Jack Forbes, Sean Taylor, Kelly Kavanagh and Tim Geronimo.

They hope to complete their Messner Start-South Pole-Ross Ice Shelf route in 72 days.

A map showing the route of the Australian Defense Force team in Antarctica, starting from the southern edge of Berkner and moving towards the pole and then towards the Ross Ice Shelf.

The journey of the Australian team. Photo: The Spirit Lives

Hercules Inlet to the South Pole

A host of teams and solo skiers will be skiing from Hercules Inlet to the Pole.

Mikko Vermas and Tero Teelahti will go on an unassisted expedition, each pulling 110kg sleds. They hope to cover the 1,130 km from Hercules Inlet to the pole in 40 to 50 days. The duo have some experience, having already skied to the North Pole in 2006.

Canadian Caroline Côté has set herself an ambitious goal. Côté will travel solo and unassisted, hoping to break the women’s speed record to the pole from Hercules Inlet. Sweden’s Johanna Davidsson holds the record, set in 2016, with a time of 38 days and 23 hours.

Côté joins at least one other speed record hopeful, Wendy Searle. Searle set the Hercules Inlet to South Pole speed record in 2020, but missed the women’s record by about three days.

Other solo skiers include Polish adventurer Mateusz Waligora, Norwegian Hedvig Hjertaker and Scot Benjamin Weber. Nick Hollis will also start from Hercules Inlet but it is not known if he will be skiing alone.

Messner Start Guided Groups

Inspire22 is a 10-person team of a mix of British military and civilians, led by Canadian Devon McDiarmid. They present their expedition as a primarily scientific endeavor to “explore the metabolic cost of sustained polar travel”.

Borge Ousland stands in the snow looking at the camera.

Borge Ousland’s company will guide a group of young explorers. Photo: Vincent Colliard

Polar legend Borge Ousland’s company, Ousland Explorers, will guide a small team from the New Zealand Antarctic Heritage Trust. Bengt Rotmo will guide Laura Andrews and Mike Dawson (former Olympian) from the Kiwi, as well as Norway’s Marthe Brendefur. The Trust selected the three team members from hundreds of hopefuls between the ages of 18 and 35 who applied.

To wrap up the Messner Start Guided Groups, two teams from Antarctic Logistics & Expeditions (ALE) will also set off on the approximately 1,000 km route to the pole.

44 glorious days of Liz Truss – POLITICO


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LONDON — Westminster is in turmoil, Britain’s economy is floundering and Tory MPs are set to choose their fifth prime minister in just over six years.

But as a sign of complete normalcy in this fully functioning Western democracy, Britons have instead spent much of the past week watching a head of iceberg lettuce live, wearing a wig.

Set up by the tabloid Daily Star, the newspaper’s reporters bet big that a 60p supermarket lettuce would outlive Prime Minister Liz Truss, after her fledgling regime was plagued by unprecedented chaos during her first weeks.

And they were right. Truss finally resigned on Thursday, after just 44 days in the job, making her the UK’s shortest prime minister. The Daily Star broke out the champagne, saying, “Lettuce outlived Liz Truss.”

So how did Truss put her salad days behind her and why did she fade in the public eye?

Let POLITICO take you on a whirlwind tour of Truss’ 44-day premiership – but be warned, there are more than a few icebergs ahead.

breaking orthodoxy

September 6: It all started so well. After watching her suave but annoying rival Rishi Sunak in a rancorous Tory leadership race, Truss looked triumphant as she took the reins at No 10 Downing Street and vowed to ‘turn Britain into a nation aspirant”. She had good reason to be gay, too, garnering the support of thousands of grassroots Tory members, rallying the major Tory newspapers and confidently brushing aside the fact that the majority of her own Tory MPs had doubts about her competence. . What did they know, after all? They had only worked with Truss at Westminster for the past decade.

September 8: Upon taking office, Truss chose his close friend and neighbor Kwasi Kwarteng as his first finance minister and immediately tasked him with tackling outdated “orthodoxy” in the Treasury. In a savvy first move, Kwarteng immediately fired the ministry’s top official – a man so smart he literally goes by the name of Tom Scholar – and thus ensured that old-fashioned and orthodox qualities like “experience”, “credibility” and “economic literacy” were taken down at the right time…in the midst of a global economic crisis.

Also on September 8: A busy day this one, with Britain’s longest-serving monarch passing away the same afternoon. As the country mourned Queen Elizabeth II, Truss faced his first big communication test at work: how to grasp the nation’s deep sense of grief? She duly seized the moment, ripping lines painstakingly prepared by career managers to pay a heartfelt tribute with all the gusto of a fourth-quarter sales report. The country cried, for at least one Liz.

September 23: The Queen’s death froze normal politics for a few weeks. But the break allowed Team Truss to put the finishing touches on their very own Mona Lisa: the mini-budget. A sleeker and more aerodynamic budget than the normal type, this mini version did away with tired conventions such as “independent tax review by the government’s own watchdog” and “making the sums add up”. Instead, Truss and Kwarteng followed through with debt-funded tax cuts and a multibillion-pound plan to subsidize energy bills. Kwarteng has also shown he is retaining a populist touch with crowd-pleasing measures such as lowering taxes for the UK’s super-rich and scrapping the cap on bankers’ bonuses, all amid a cost-of-living crisis – before setting off for a Champagne reception with hedge fund bosses to party the night away. Cheers!

Woke Markets Cancel Truss

September 26: uh. Then came the backlash. The financial markets – notorious for being stuffed with tofu-munching leftists who hate conservatism and all it stands for – failed to understand the genius of the mini-budget, while the unruly pound, which probably voted to stay in the EU, crashed to its lowest level against the US dollar. Kwarteng, looking a bit shaken, promised he would release all of his fully calculated sums in November, oooh? It sounds good ?

September 28: The pound’s reign of terror continued, and as borrowing costs in the UK soared and British pension funds were on the brink of collapse, the radical communists at the Bank of England were forced to step in with an unprecedented emergency bond buying program ‘to restore the market’. functioning. Their hippie best friends at the International Monetary Fund also chimed in, saying Kwarteng’s plans would “likely increase inequality” and urging the government to “reassess” its tax measures. Relax, guys!

Prime Minister Liz Truss is seen back in Downing Street | Rob Pinney/Getty Images

October 3: Phew – she went to the Conservative party conference. Political party conferences, after all, are normally a glorious victory lap for newly crowned leaders, but Truss has once again decided to shatter the status quo by turning his into a deeply embarrassing few days of U-turns, backpedaling and of noisy Tory infighting. Less than 24 hours after insisting she was sticking to her economic plan, Truss suddenly rejected her landmark proposal to cut taxes for the wealthy. Kwarteng admitted the idea had “become a distraction” from the government’s “primary mission”.

October 4: Indeed, the U-turn allowed the real “primary mission” of the government – to unnecessarily piss off its own MPs – to shine through. No sooner had the tax cut been scrapped than Truss’ ever-loyal ministers were on to their next target, publicly pressuring the PM not to impose a cut in real terms to social security payments . One minister even capped off the day by telling a roomful of drunken communications professionals that the government’s own communications strategy was “shit”. And who could argue?

October 10-11: A week after abandoning its flagship policy, the Truss government has tried again to calm the still spooked markets. Kwarteng’s new idea? Bringing forward the release of its next budget plan to a date by no means guaranteed to be, uh, scary: October 31. The Bank of England loved the cut of its jib, again stepping in with major market intervention to prevent what it called a “fire sale” of UK government bonds. Which sounded worrying.

In fact, we really like Orthodoxy, please come back

October 14: After weeks of economic turmoil, Kwarteng was flown home from a trip to Washington DC so he could be fired on the spot as he was still jet lagged – a bad day at the office by the standards of anyone. Finally free from a Chancellor who had repeatedly defied her by *checking the notes* implementing her exact policy wishes to the letter, the Prime Minister then tore up his long-standing pledge to cut taxes for big business , admitting in an epic eight-minute press conference that she had gone “further and faster than the markets expected”. We have all been there. Reaching out to the center of the Conservative party, Truss named former health secretary Jeremy Hunt as his new chancellor, cementing his post as 36-hour faltering prime minister.

October 16: Team Truss’ strenuous efforts to build bridges