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Aside from a golf ball deal with Bridgestone, which he inked in 2022, Jason Day is an equipment-free agent, which means he’s not under contractual obligation to play any certain brand in his 14-club set.

Since January 2021, Day has exercised that freedom to test and use a number of different brands throughout his bag. Most recently, GolfWRX.com confirmed that Day was using a Ping G410 driver, TaylorMade SIM Max fairway woods, a combo set of TaylorMade P770 and P7MC irons, Titleist Vokey SM9 wedges, and a TaylorMade Spider putter.

The G410 driver, which was released to the public back in 2019, has had a consistent starting spot in Day’s 14-club lineup for the past two years.

It seems as though something new has caught Day’s eye, however.

On Monday at the 2022 Shriners Children’s Open, Ping officially launched new G430 drivers, fairways and hybrids on the PGA TOUR. As part of the launch, Ping fitters worked extensively with PGA TOUR players who showed interest in testing the new G430 products.

As a Ping G410 driver user, Day was an obvious candidate for testing. Following his testing session on Monday – the first day of the launch – GolfWRX.com caught up with Day to get his take on the new Ping driver.

“Well, apparently it’s supposed to be a couple miles per hour faster, is what [Ping is] saying, and they’re also saying that it tends to go left-to-right,” Day said about the G430 LST model driver. “It may not work for someone who already fades it, but I’m one of the guys who [hits a draw]. But it seemed pretty good. I still have to test it out over the next couple days, but I’m driving it about the same, if not a little bit further, than my G410 that I had. But we’ll see, it’s so early. Right now, it’s pretty friggin’ nice.”

“I just like the way it looks and sits on the ground already. I don’t like things looking like they have too much loft and like it’s looking up at you and hooded a bit. The loft on [the G430 LST], it looks like you’re gonna hit these low bullet fades all day. The way that it looks right now, it’s really good.”

Day hasn’t committed to playing the G430 LST in competition this week just yet, but based on looks, sound and performance, Day seems objectively impressed.

“In the past, they’ve had to add more hot melt into the 410 or 425 just because the sound wasn’t right,” Day said. “These have a lot less hot melt, and these have a lot of head [weight], so it feels easier to me to transition into the G430, because I typically like a lot of head weight in my driver…

“The good thing is, I don’t get paid from anyone, so I can be completely honest and tell you if the driver’s crap; and right now, the way that it’s coming off, it’s really nice compared to my G410. Typically, in the past, with the 410, I put a little bit too much spin on it. I think a lot of guys struggle with spin with Ping, and I play a softer ball now, so it’s obviously adding to the spin. But they said that this is a lot less spin than the previous drivers. That might fit me perfect.”

Ping is currently offering two driver models (LST and MAX), one fairway wood (MAX) and one hybrid model (MAX) to PGA TOUR players. Keep in mind, this is not necessarily indicative of all G430 models that will be available to players, or the general public, in the future, it’s just what’s available during the first week.

Ping isn’t yet discussing what technologies and designs have changed in the G430 compared to the previous G425, but from GolfWRX’s photos on Monday, it appears the G430 LST driver has a “Carbonfly” wrap crown, Ping’s familiar “Turbulators” on the crown, and adjustable weighting in the rear portion of the sole.

We’ll keep you informed with details on the Ping G430 products when more information becomes available.

Source: pgatour.com

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Home » PSC Places Hold on Implementation of 364 Area Code

PSC Places Hold on Implementation of 364 Area Code

By wmadministrator

The Kentucky Public Service Commission (PSC) has revised the starting date for the optional use of area code 364, delaying it by six months to Jan. 1, 2009.

Area code 364 will cover the western portion of the current area code 270, including the cities of Henderson, Hopkinsville, Madisonville, Murray and Paducah. Cities remaining in area code 270 include Bowling Green, Columbia, Glasgow, Elizabethtown and Owensboro. The change reflects an updated estimate of the date by which the present area code 270 – from which area code 364 will be split – will run out of available numbers.

The PSC has also continued to hold open the date for mandatory use of area code 364. It will not be determined until after the PSC fully assesses how a Federal Communications Commission decision regarding the assignment of telephone numbers will further affect the lifespan of area code 270.

The current area code 270 was established in 1999. The need for new numbers is being driven by rapid growth in the area and the proliferation of cellular phones and other wireless devices, each of which requires a new phone number.

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PS5 DualSense controller reveal sparks debate: Is it Black or White?

Black DualSense PS5 controller
Mock DualSense PS5 controller (Image credit: Sony)

Sony just teased a PS5 DualSense controller in a black color variant — or is it white?

Bill Thomas of our sister site, TechRadar, called the white PS5 DualSense controller "ugly" on the Noise Cancelling podcast. Thomas — and others who share his sentiment — may jump for joy upon hearing rumors of an all-black DualSense model...but not so fast! We have a controversial debate à la Lauren/Yanny on our hands.

Sony teases black DualSense controller on Twitter

At the beginning of May, we reported a juicy rumor that predicted a game-changing, early June PlayStation event. As it turns out, this golden nugget of information was true. PlayStation announced on Twitter that it is poised to hold a Future of Gaming virtual event on Thursday, June 4. The gaming industry is abuzz with excitement as many are expecting a console reveal.

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In the tweet's accompanying video, Sony seemingly teased a black PS5 DualSense controller. But many are questioning whether PlayStation simply edited the white controller to give off deceptive visuals.

Is it white or black?

While many are thrilled about the possibility of a black PS5 DualSense controller, others are saying, "Hold your horses! Are you sure it is black?" Some skeptics say that the controller featured in the video is actually the original white DualSense that was revealed in April; the video is simply filled with dark shadowing for an ominous effect.

Is the DualSense controller black or white?

This the DualSense controller black or white? (Image credit: Sony)

But in other angles, the DualSense featured in the video looks like an electrifying controller with an all-black design.

Does the PS5 DualSense controller come in black?

(Image credit: Sony)

Critical reception of the black PS5 DualSense controller

When PlayStation unveiled the white DualSense controller design for the highly anticipated PS5 in April, the gaming giant garnered mixed reactions.

Some PlayStation fans praised the new futuristic DualSense controller for its two-tone color scheme and attractive blue accents. But others criticized Sony for deviating away from the DualShock controller's traditional mostly-black design.

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Now that Sony may have revealed a black DualSense controller, we sifted through Twitter to determine the critical reception of a darker variant. The consensus among Twitter users on the popular social media platform is that many PlayStation fans are excited about the possibility of snagging an all-black PS5 DualSense model.

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Whether you prefer the white variant or the black model, the PS5 DualSense controller is a step up from its last-gen counterpart with features such as haptic feedback, adaptive triggers, a built-in microphone array, a USB Type-C port, a new "Create" button and more.

Want more PS5 updates? Check out our frequently updated PS5 rumor hub.

Kimberly Gedeon, holding a Master's degree in International Journalism, launched her career as a journalist for MadameNoire's business beat in 2013. She loved translating stuffy stories about the economy, personal finance and investing into digestible, easy-to-understand, entertaining stories for young women of color. During her time on the business beat, she discovered her passion for tech as she dove into articles about tech entrepreneurship, the Consumer Electronics Show (CES) and the latest tablets. After eight years of freelancing, dabbling in a myriad of beats, she's finally found a home at Laptop Mag that accepts her as the crypto-addicted, virtual reality-loving, investing-focused, tech-fascinated nerd she is. Woot!


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Gaines reminds wildfire victims about property tax relief

With wildfires raging throughout California, State Board of Equalization Member Ted Gaines reminds those affected that they may be eligible for property tax relief.

“We are currently experiencing a number of devastating wildfires ravaging California with hundreds of structures lost or damaged, and the season isn’t close to being over,” said Gaines. “Although property taxes aren’t the first thing that come to mind when dealing with the aftermath of a wildfire, the next property tax installment is due to local counties in a few short months this December. I’m a taxpayer advocate looking to help Californians at all times and especially during extraordinary hardship. It is important that families and small businesses impacted by these disasters understand the available resources and relief so they can begin to rebuild their lives.”

This summer, a State of Emergency was declared in response to the fires occurring within 12 specific counties, nearly all located within Gaines’ BOE District, including Lassen, Alpine, Amador, Butte, El Dorado, Nevada, Placer, Plumas, Tehama, Trinity, Shasta and Siskiyou. Affected properties in proclaimed disaster areas may qualify for property tax relief so long as the loss estimate is at least $10,000 of the current market value of the property. In many cases, the damaged property can be reappraised in its current condition, with some taxes refunded to the property owner. Once rebuilt, the property’s pre-damaged value will be restored.

The BOE serves a critical role in the assessment practices and administration of property taxes statewide. To qualify for property tax relief, property owners must file a claim with their County Assessor’s Office within 12 months from the date of damage or destruction or the time specified in their county’s ordinance, whichever is later.

Owners of eligible property may also apply for deferral of their next property tax installment, without penalties or interest. Affected property owners are strongly encouraged to contact their County Assessor’s Office to begin their claim for property tax relief.

Visit the BOE’s Disaster Relief page for more information, additional resources, and answers to frequently asked questions.


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Food crisis: Big statements in small articles

Italy is losing about 1/3 of its rice and corn crops to the heat.

We planted corn late, and now this heat wave, with high nighttime temperatures, is hitting the Western Corn Belt very hard at an inopportune time. AccuWeather is predicting a greater weather hit to corn than the USDA is.

Dryland corn in my area is just about toast. Irrigated doesn’t look good, pivots can’t keep up and flood won’t go through. Next 10 days of 100° plus and no rain. Worst year I’ve ever seen for moisture and heat. Started feeding my cattle this week, never done that in July before.

David, commenter on AgWeb’s AccuWeather article

If this is true about Germany harvesting corn for silage (i.e., not for corn), that’s a problem.

This 7:08 video might give a sense of how normal economic processes aren’t quite making sense. I think that’s because of the conflict between fundamentals and technical trading. For instance, it’s strange to see such high prices for farming inputs without seeing an equivalent increase in prices for outputs. The long-term implications here are uncertain, but they might include an increase in farm bankruptcies or people getting out of the field: If you can’t sell your goods at a profit, you won’t stay in business long.

We kinda needed a good harvest. It looks like we’re not getting a good harvest.

My usual caveat applies: There’s a lot I don’t know. If you think I’m missing mitigating factors, please talk about it in the comments.

An additional caveat: Note that a lot of the most doom-and-gloom articles at AgWeb are written by Tyne Morgan. That could mean he’s the one paying attention, or it could mean that he’s a clickbait artist. I lean toward the former, because there’s verifiable data in his articles. Other articles are less doom-and-gloom, like this one — but even that one embeds a video that backs up everything Morgan says. Having said that, I notice that his articles sometimes repeat predictions from weeks before without saying whether or not those predictions came true. Caveat lector, and don’t trust anyone, even me.

Food crisis update

I’ve been saying that the US won’t see starvation, but we’d see prices even higher than we’ve currently got. I continue to think that’s true.

The futures markets for grain and other commodities are taking a beating because of inflationary news, which means companies are betting that the price of grain will go down in the future. But I think they’re basing their belief about decreasing grain prices on things like the recession, inflationary fears, and so on, rather than on what’s really going on in the grain fields. The fundamentals in agriculture continue to be pretty bad, by which I mean that (I believe) that the causes of high prices are still in place, and there’s nothing about the crops themselves that should lead anyone to believe that the prices will go down significantly.

Not all the news is bad, mind you — some signs show that corn and soybeans are going to be better than they could be, and I haven’t heard as much about poultry loss from avian flu recently — but we continue to have serious long-term issues because of drought.

There’s a massive cattle sell-off in Texas right now because of drought, which has caused a shortage of hay and water. 4x the normal number of cattle are currently being sold. Maybe that’ll mean there’s beef at better prices for a little while, maybe not, but it sure means that there will be higher prices in the future. Buy beef and freeze it.

The US drought’s already bad and is getting worse. See this video:

…and the first chunk of this video:

This coincides with this discussion from last week.

Now skip to ~5:40 in that second video to hear about Ukrainian farmers having to sell their grain below cost, with government officials saying, “Without opening the Black Sea ports, I don’t see any solution for Ukrainian farmers to survive. And if they don’t survive, we won’t be able to feed African countries.” There was some possible movement on that yesterday, but none of it involves Russia, which is kind of a big deal. Look for more information on that next week.

Back to the US: Feed shortages are already a concern, and a rail strike may make it worse.

With massive inflation and looming food shortages, I still recommend buying and storing pasta, and now I’ll add that you might want to buy and freeze meat. Meat was always going to go up higher because the cost of grain will reduce meat production overall: It would be good to get more on hand before prices go up, especially if there’s a little dip before that rise starts.

Wheat supplies at 10 weeks

Farmers and agricultural publications continue to provide detail that shows the seriousness our politicians aren’t yet really facing.

Menker’s team at Gro Intelligence finds, as of May 19, global inventories of wheat amount to 20% of annual consumption, meaning the world has just 10 weeks’ worth of global wheat consumption in storage.

“Conditions today are worse than those experienced in 2007 and 2008,” she says. “The lowest grain inventory levels the world has ever seen are now occurring, while access to fertilizers is highly constrained, and drought in wheat growing regions around the world is the most extreme it’s been in over 20 years.”

AgWeb, Is the World Really Running Out of Wheat? 06/07/2022

Note that AgWeb doesn’t answer the question that they ask. The answer appears to be, “Yes, we are running out of wheat.”

More specifically, the world would probably be okay if we were getting bumper crops in the US and Canada, but we’re not. We’re lucky in that the over-wet weather finally broke long enough for us to get wheat, corn, and soybeans planted, but we’re not going to get a crop that will compensate for the lack of wheat elsewhere.

Also worth noting: The price of beef is not looking too expensive right now relative to expectations. Unfortunately, that appears to be because beef farmers are afraid that the cost of fodder and grains will go high enough that they won’t be able to keep their cattle profitably, so it’s better to slaughter and sell them in the short term than raise them longer term. That keeps a lid on prices right now — higher supply — but reduces supply in the future dramatically, because we’re killing tomorrow’s stock today.

I reiterate that I’m not an expert on this stuff and am only repeating what I hear from people in the business who seem to know better. Feel free to argue: I’d love to find out that I’m wrong.

Putting numbers on the wheat shortfall

McCormick says the demand [for wheat] sits around 1-1.2 billion metric tonnes and where the numbers sit now as far as potential available product, is somewhere around 700 million, which will no doubt have the potential to drive food prices even higher than what is being experienced right now.

If you want to put a number on the crisis we’re facing, here’s one estimate.

Snipers behind every grain silo

We need to be wary for the things that are going to kill us, because I do believe we’re in the middle of a war. But we have to beware of seeing snipers in every tree.

I feel like I have to say this, because otherwise people will take this post the wrong way: I believe that food cost and availability is going to be much more of a problem than it currently is, particularly outside of North America.

Okay, then. Now, someone I respect recently posted this article as an example of the ongoing war on food.

100-year-old Prosser grain silo destroyed in dramatic fireball

But a grain elevator explosion isn’t new or surprising. Fine dust from organic materials is always an explosion hazard. According to the Kansas State University, there were sixteen agricultural dust explosions in 1997, and a ten-year average prior to that of thirteen agricultural dust explosions per year. Of the sixteen in 1997, nine occurred in grain elevators.

So the raw fact of a single explosion needs to be put into context.

Are we seeing double the number of grain explosions? Triple? 100 times? Or, perhaps, half the usual number? One tenth?

And how much of our food supply chain does this affect? 1%? 10%? 0.001%?

My source shared this explosion because he sees that there are a large number of fires in our food supply chain. He’s not the only one. Here’s an article that points to a variety of fires that have hit food processing plants.

Fires at Food Processing Plants Result in Reduced Capacity, Delays, and Layoffs

The headline talks about “fires” (plural) resulting in reduced capacity (a general quantity), which makes it sound like the totality of the fires will cause a general reduction in capacity. And it must be a newsworthy reduction, or why would it be in the news?

But in fact when you look at the article, there’s literally no sign of significant capacity problems beyond the single-plant level, and even the single-plant capacity problems are relatively few. Here, for instance:

Oregon-based Shearer’s Foods laid off its entire workforce—about 230 people—after a fire ripped through the Hermiston plant in late February.

“After assessing the damage, it’s clear that the destruction is too great to rebuild and begin production in the near term,” Shearer’s Foods CEO Bill Nictakis said in a March 8 statement.

Damn, sounds bad, right? But wait:

“Unfortunately, it would take at least 15 [to] 18 months before we could resume production,” Nictakis said. “We have not yet decided [on] the future of the Shearer’s Hermiston site. [It] has led to the very difficult decision to end employment for our team members.”

There’s more than one plant?

He said the company was “exploring opportunities to relocate team members interested in working in our other plants.”

Yes. And the others are still operational, which means Shearer didn’t lay off its “entire workforce”, but only the workforce related to that plant.

What about the four-alarm fire at Taylor Farms?

“This was an unfortunate event, but thankfully there were no injuries. We have a strategic network across North America where this will not impact the availability of fresh foods from Taylor Farms,” Rachel Molatore, the company’s director of communications, told The Epoch Times. “No employees were laid off; we are already underway to rebuild the facility, and the investigation is still going on regarding the cause of the fire.”

And so on.

On April 30, a soybean processing tank caught fire at a Purdue Farms plant in Chesapeake, Virginia. However, company officials said the facility would continue operating.

Even the poignant and sad event that leads the article, a fire at Wisconsin River Meats, shows how devastating such an event can be for…20 people.

Company owner David Mauer said the Mauston-based company “lost everything” related to production in the fire, and more than 20 people lost their jobs.

I have immense sympathy for everyone involved, but a 20-person company is a single sodium ion in the ocean of the US food supply chain. This is not a significant event — and the others mentioned appear to be even less so.

I haven’t even begun to try to do the full amount of research needed to quantify the impact of fires at food processing plants in an ordinary year, but it’s pretty clear from a quick overview that it’s pretty close to zero. But the people sharing stories like this seem to have even less of a baseline to work from, and they’re brought up short when confronted with the fact that the collection of fires they’re looking at represents a negligible fraction of our food supply chain.

I think we should be watching out for potential evil around us. We need to be wary for the things that are going to kill us, because I do believe we’re in the middle of a war. But we have to beware of seeing snipers in every tree. Focusing on what’s important means ignoring the unimportant, and these fires are unimportant.

Regarding the upcoming food crisis

This post is preamble: a long, potentially annoying infodump that serves as background for future posts that may actually be worth something.

And before I go too far, I’ll note one major problem: I’m no expert. I’ve only recently (late 2021) started watching this stuff, so you can’t really trust me. But I promise that I will only post things that come from those who know much more than I do.

I’ve been talking about the impending food crisis since late last year, when the early signs started to rise. The more time went by, the wider the circle with whom I shared my concerns. These discussions were part of the reason our Laughing Lupine host asked if I wanted to blog here.

Now the politicos and money managers have caught on, which means my opinions might not add significant benefit: Once they’re talking about it, the signs are too obvious for additional commentary to matter much.

That said, if we look at the signs that existed prior to their late entry into the conversation (late March 2022), we might see other things that they’re slow to see, and that might help us see farther than they are. It could also help us understand what not to believe among the fearmongers out there; I have a future post in mind on that topic.

To get this issue out of the way early, I think it’s unlikely that we’ll see a civilization-ending catastrophe, and all bets are off if we do. But meat, grain, and vegetable farming is a long-term project that has annual cycles, and this annual cycle is starting off really bad, which means it may be too late to counteract any price increases that are likely to come. Some of that will be mitigated by farmers shifting to different crops (e.g., soybeans vs. corn), so rather than outright hunger we’ll just see shortages of common goods.

But either way, I expect consumer spending to be curtailed quite a bit as we see significant spikes in food prices. We’re already starting to see Target and Walmart suffer massive stock market losses because their margins have been cut in half, at least partly because people are spending more on low-margin groceries and less on high-margin products such as electronics. (And some foodstuffs, corn in particular, are used in a lot more things than just food, but I’m getting ahead of myself.) I find it odd that sites like MarketWatch recognize the “shift” in consumer spending without relating that to margin:

Walmart noted the impact of inflation on grocery pulled sales away from other categories as low-to-middle income shoppers are cutting back on non-essentials, resulting in overall flat transactions year-over-year.

MarketWatch, May 19, 2022

When your margin on grocery is something like 2% and your margin on other categories is something like twice that, your margins get cut when people spend more on groceries even if you have “overall flat transactions year-over-year.”

But this is already getting long, and I’m just winding up. So let’s go back some months. I’m going to start in January, though the signs were there before then.

The first thing I saw, which people in normal media weren’t discussing, was massive, unrelenting increases in the inputs to food. Not just price increases for today’s food, which does get media attention, but the cost increases for fertilizers and livestock feed necessary to get next year’s food to market. These things are priced into our higher 2022 prices by now, but I don’t believe they’re fully priced into late 2022 through late 2023 prices yet. That means we could see significant price spikes even from our current high prices.

First, watch the first 90 seconds or so of this video from January 3, 2022. The video isn’t about the problem, but boy does it show it.

The most recent Ag Economy Barometer from Purdue University study says the following:

Texas A&M economists found heading into spring planting, fertilizer prices are up 80% compared to 2021, and in some cases, farmers are seeing certain fertilizer prices more than double what they saw last year. But for the report, AFPC was conservative in its estimate, using a 50% increase in fertilizer costs.

Note: A conservative estimate is a 50% increase in fertilizer costs.

It’s not just climbing fertilizer prices that pose a problem for producers, either. It’s also availability that’s an issue for farmers still trying to source inputs for 2022. The study showed 40% of farmers had some difficulty purchasing inputs for the 2022 season.

The agriculture department expects the costs to raise crops and livestock will grow 5.1% to $411.6 billion over the 2021 figure, with the price of fertilizer climbing 12% and for livestock feed, 6.1%. This year’s expected hike in expenses comes on top of a 9.4% increase last year, the forecast said.

Lillibridge, however, said the increases he’s seeing are far greater. He said his fertilizer costs are up 300% and the costs of herbicides, pesticides and other crop protection products are up 100% to 150%….

Farmers have a lot on their minds going into the next growing seasons, he said. In addition to higher production costs, Iowa farmers are concerned about whether they’ll have equipment and parts next season, given supply-chain issues, and remain concerned about the possibility of a drought.

Iowa and large parts of the Midwest struggled with drought conditions last year. Many farmers said they received rain just in time to preserve crop yields.

The latest U.S. Drought Monitor report, released Thursday, showed almost 55% of Iowa experiencing abnormally dry or moderate drought conditions in the week ending Feb. 1. That was up from about 52% the previous week and about 48% a year ago.

“It probably wouldn’t take much for us to drop back into a drought,” Lillibridge said.

This is ZeroHedge, which tends to have a lot of hype, but the key fact of the article — that Tesco’s CEO said that “the worst is yet to come” — is true. This is in the UK, but I don’t think we’re so disconnected that we won’t also see issues here.

This article came out before the Canadian trucker protests that further disrupted supply chains.

Key statement: “Several larger feedlots have indicated that they will run out of all feed in a few days.”

That’s food insecurity for 1.5 million cattle. I didn’t hear about mass cattle starvation since then, but there shouldn’t even be a question that there would be sufficient food at a reasonable price. This is Canada, but again, the ripple effects aren’t minimal.

Elevators working in reverse as Alberta cattle feeders face increasingly desperate feed shortage.

“It’s a mess,” notes Kevin Serfas, of Serfas Farms, based at Turin, Alta. “If you only bought exactly what you needed on a week-to-week basis, you are in panic mode right now. I started November 1 and probably have half my orders. I’m not sure what needs to change. Everyone just blames the prior link in the chain.”

That chain includes grain companies, railways and railways, as well as trucking companies.

In some cases, grain handlers, such as Cargill, P&H, Richardson, and Viterra, are essentially trying to run their elevators in reverse. Rather than taking delivery from producers and loading grain onto trains, they are taking delivery of corn by train and transferring it onto trucks to fill sales contracts they’ve signed with cattle feeders — many of which are the same producers who otherwise sell grain to these companies.

Labour shortages, due to COVID-19 and more, have exacerbated the challenge in some situations, causing delays with loading and unloading trains and trucks. Several feedlots say delays in unloading trains have resulted in the railway putting a lower priority on these shipments. In some cases, they’ve been penalized financially with demurrage fees. [The guy who pointed this out to me commented: Stunning that the railway can simply stop shipping animal feed.]

There’s also concern the Canadian and U.S. government’s cross-border vaccination mandates, taking effect January 15 and 22, respectively, are removing a significant number of truck drivers from the road. Several sources told RealAgriculture they’ve also heard of a train being delayed due to crew members not wanting to have to quarantine in Canada.

To put the amount of feed that’s needed in context, ACFA says one rail car — the equivalent of approximately two super B trailers — will feed approximately 8,000 head of cattle for one day. There are approximately 1.5 million head in the province, meaning the industry requires more than a 100 unit train every day to replace the barley and wheat that would normally be sourced closer to home.

…and here’s a follow-up. Something to consider: Farmers need to make a profit, and even if they can produce something, that doesn’t mean they will if they can’t be sure that they’ll make money on it.

Something completely different: There have been a tremendous number of birds killed because of (not by) the avian flu this year — last I looked, something like 28,000,000. Note the German egg problem below, which wasn’t related to the bird flu.

From Thursday, 3/17:

This article about pigs is from the UK, but the principle is the same everywhere:

  • Fertilizer and other inputs to grains have gone through the roof
  • Grains are now going through the roof as a result
  • Meat and other animal products (milk, in this case) will go through the roof as the growing season continues

So while people are talking about Ukrainian grain, we should also be talking about meat, dairy, leather, and other animal products.

Also from the UK, in March.

“But we also usually apply a liquid fertiliser in the spring. Last year that cost us £5,600, but the quote last week was for £17,000.”

Andersons’ own calculation of input costs shows that “agflation” has been rising at 10% a year in recent months, compared with 5.5% for the more general consumer prices index, and is expected to surge further ahead as the effect of the war in Ukraine is felt.

“The world has changed,” says Andersons partner and consultant Michael Haverty. “The Ukraine crisis has put renewed upwards pressure on everything, but especially fuel, fertiliser and animal feed.

“Whether any of this can be recouped by farmers depends on the extent to which consumers are able to pay more for their food,” he suggests.

…The real hike in costs is likely to hit the following season, Mr King suggests, with Loam Farm [one of four model farsm used for forecasting] forecast to see its margin from production drop from £325/ha in 2022 to just £30/ha, as variable costs climb another 36% while overheads reach £500/ha.

…The projections for Meadow Farm – a notional 154ha farm with suckler cows, finishers, sheep and arable, producing grain for livestock – suggest production margins will fall from a small profit of £31/ha in 2021-22 to a hefty loss of £202/ha in 2022-21.

The outlook is just as bleak for Uplands Farm – a 300ha beef and sheep holding with 90 spring-calving sucklers and 800 ewes in the north of England.

Even with 2021-22’s buoyant prices, the farm is projected to make a small loss on its farming practices while, for next year, a steep rise in feed, fuel and fertiliser is expected to push this loss to £165/ha.

My interpretation: If inputs are already that expensive, and margins are already that low, and outputs are expected to drop, then either the cost of food will dramatically (like 2x in some areas of the world, not the paltry 10% we’ve been seeing) over the next year or two, or there simply won’t be enough food available in some parts of the world as farmers drop out of the business and see their farms repossessed, or both.

Russia and China both stopped exporting fertilizer earlier this year.

“Russia is a major, major exporter across all of the major fertilizers,” says Linville. “Urea, they account for 14% of the global export total. UAN has been anywhere from 25% to 31% the last couple of years. Phosphate 10%. They are almost 20% of the global operating potash capacity of the entire world. They’re a big deal. Losing Russian exports is a very big deal. I don’t care where you are in the earth, it matters to you.”

However, even with Russia pulling off the world market, it still doesn’t create a “worst-case scenario” for fertilizer availability and prices. Linville says China holds the card for that scenario as Russia and China combined account for 40% to 45% of total global phosphate production.

“We are still working with the idea that China is going to come back to the export market in June of this year. If China steps out and says what you’re doing to Russia is like an attack on us, we are going to attack we’re going to take over Taiwan, we start to do the same thing to China, the rest of the world has done to Russia, then it gets worse than where we’re at today,” says Linville.

This is a Google translation, so forgive its awkwardness. This is also about Germany, not North America, but we’re all connected. This is the opening hal of the article:

The German egg industry speaks of “red alert”. Against the background of massively restricted supply chains and dramatic cost increases, especially for animal feed, the Federal Egg Association is sending an urgent wake-up call to politicians and the food retail trade.

From summer 2022 at the latest , the supply of eggs can no longer be guaranteed, writes the Central Association of the German Poultry Industry.

“Sheer existential fear” among farmers

The latest developments on the global agricultural market are bringing the German egg industry to its knees.

“There is sometimes sheer existential fear among our farmers. The prices for animal feed have more than doubled in a very short time. GMO-free soy is hard to come by. As a result, many keepers are no longer able to re-stall,” Henner Schönecke, Chairman of the BVEi, describes the situation.

No more restocking means fewer laying hens are available to lay eggs. Schönecke expects that the security of supply with German eggs can no longer be guaranteed by August at the latest., sommer-nicht-mehr-gesichert-a3765818.html?telegram=1&_x_tr_sl=de&_x_tr_tl=en&_x_tr_hl=en&_x_tr_pto=wapp

This is a lot of stuff, and there’s more I could post — this isn’t even the most paranoid stuff out there, by far — but I’ll stop. This selection is reasonable information from respected publications, not click-bait doomsayers. I haven’t even gotten into the weather issues we’ve had, where the western part of the US is in drought, the east has been too cold and wet to plant, and as a result of that (among other things!) we’ve had late crops, bad crops, and reduced expected yields. I’m understating the level of problems we’ve seen.

This information was all available before the mainstream press started talking about a food crisis. The first time I noticed a mainstream article citing a significant politician was in late March, when the UK environment secretary talked about a 30% increase in the cost of chicken. There were a lot of warning signs before then.

Some things have already been overcome. Some of the Canadian rail issues have been resolved. Bayer seems to have resolved its early glysophate problems. And America makes an incredible amount of food, a lot of which gets wasted, so I don’t see us going hungry.

But I expect significant price increases here, and even lack of availability elsewhere. And where there’s lack of food availability — hunger — there’s unrest. We needed bumper crops to get over the issues we were already facing, and it got worse with the Ukraine invasion. We’re not getting a bumper crop. There will be issues.

Gotta go. If you want drill-down on anything, let me know and I’ll tell you what I know so far.


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It’s not a new thing—some out-of-state firms have had offices in Texas for 30 years. But Texas has lately moved high up in the action list of oh-so-many firms in an unprecedented way. Those already established in the state are expanding. Others, including long-established firms such as New York-based White & Case and Shearman & Sterling, have just joined the roster of firms with outposts in the Lone Star State.

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Culture Attacks God-Looking Women Belinda Marathasim August 2022

A culture that forbids women from seeing God

Photo of the Oro Festival (Photo credit: Daily Trust)

T.T.The ancient Oro Festival is an annual gender-specific festival of the Yoruba people in Nigeria, West Africa, celebrated by worshiping their god Orisha Oro, the god of bulls and justice. They practice this as a purification ceremony after the death of a monarch or king, but in other regions they celebrate it for other reasons, as festival celebrations differ from region to region among the Yoruba.

Apart from functioning as a well-regarded form of worship, the Oro Festival is celebrated to commemorate several important events in Yoruba culture. Festivals are celebrated as children introduce them to family principles, core values, and belief systems, where they undergo several rituals. Celebrate Oro with Some families have adopted or as the beginning of their children’s names. A person whose name begins with Oro indicates that the person belongs to a family that serves Oro as a family deity. .

Another major event at which the Oro festival is celebrated among the Yoruba is in the aspect of kingship and chiefdom. The Oro ceremony is performed first before the king or chief assumes the throne and stool respectively, with chiefs flanking the king in order of inauguration. Rituals form bonds between the monarch, his advisors, chieftains, deities and ancestors, mandate them to act in the best interests of the community and minimize tyranny.

Oro ceremonies are gender-specific and patriarchal in nature as they are male-only celebrations/ceremonies performed only by the paternal descendants of the indigenous people. Oro is called by different names by different regions within the Yoruba people such as Ita, Argube, Ajara and Ma. The duration of the festival also varies from his 3rd to his 3rd lunar month, and remains veiled, unveiled only for the duration of the festival, and then covered up until the next festival.

As a form of worship that involves paying homage to the deity Orisha Oro to cleanse the land after the passage of a monarch, it is often practiced by only those involved in the parade to worship the deity indoors with everyone else around the community. It is done by parading, especially women who are forbidden to see the face of God. On the other hand, if a man who was not appointed to meet God is accidentally seen outside during a parade, he will not face dire consequences (unlike when women are involved), but will pass by. However, women were often attacked by Oro followers if they went outside during the ceremony.

However, it gives the native enough time to notify the next event so that it can plan the move. There is a lot of speculation that the festival is anti-feminine because they are not allowed to see the gods and they are forced to stay indoors for the duration of the festival, yet some of them has gone missing from their homes, and people are awed and confused… Feelings about a ritual that is supposed to be for their common good.

Oro’s presence is heralded by a high-pitched swish/growl said to be made by his wife known as Majou. According to their traditional belief, the sound brings blessings to all who hear it, wherever they are indoors. Come to think of it, will this practice, preserved by word of mouth and adoption, erode over time? Only time will reveal and clarify or confirm this suspicion.


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Does cowboy culture have to change for them to succeed?

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Charles Robinson, Senior NFL Writer for Yahoo Sports, and Jori Epstein, Dallas Cowboys Writer for USA Today, discuss the stubbornness of owner Jerry Jones and the culture that stubbornness may not be optimal for producing a championship team. Discuss how to connect with Listen to the full conversation on the You Pod to Win the Game podcast. Subscribe anywhere, including Apple Podcasts, Spotify, and Stitcher.

video transcript

Charles Robinson: Does the culture need to change radically for this team to move forward meaningfully? And this kind of — but after you told me that, I replayed what Jerry said. And I was like, man, Joli’s right. Likewise, there’s this element of embracing a kind of great culture that’s really not that great. And maybe that’s part of the reason it’s getting in the way of the organization.

Jolly Epstein: right. Again, I happen to really identify with the blue-collar mentality, things like the grind. . For example, I have no question about Dak Prescott’s work ethic. If you watch Micah Parsons play, you can see how he competes and how he competes.

And there are many guys. I could go down the list for that.That being said, when you have [INAUDIBLE], like you said, look, we’re great, when you have their valuation, it’s worth around $7.5 billion on Sportico this week.・Washington goes down at the receiver. They’re skinny and Jerry told us today, yeah I don’t see any urgency in bringing in another veteran. .

And I think it’s challenging. I think the league is too even a league to beat it over and over again. Don’t be put at a disadvantage because an adverse situation will come. And then again, you might have a Duck-like quarterback in the room and be the leader you want. I don’t think it’s that he’s not to blame for not giving him the tools and coaching he needed at certain times in his career. They didn’t set him up to win.

Charles Robinson: Besides that, I think things would have been different without the $20 million funding. Okay, okay. I’m not a fan of the team, but unless it’s by design, you will inevitably need to defy the salary cap and make the most of it before the season starts. I didn’t think that would necessarily be the case. And, obviously, the trading deadline is much more active now.

So I like to have some of that cap ammunition in there.

Jolly Epstein: yeah he’s not there

Charles Robinson: yes. yes. I don’t understand offensive. I don’t see how this team can realistically improve. And you know the team better than I do. But hey, you’ve seen the occasional spark with Pollard, right? And I understand the idea of a reporter asking a question, as well as fans willing to embrace it.OK, we see a gear change here. But then Jerry comes out and he basically says:

Jolly Epstein: right.

Charles Robinson: And sometimes it feels like stubbornness. I just feel stubborn. That’s – I don’t know how else to handle it. This feels like a stubborn statement.

Jolly Epstein: Yes, we see a lot of stubbornness here, a lot of uncompromising. You become very familiar with all the thesaurus words because you use them all the time. Again, if he said, I’m not using cap space because I want to make room for CeeDee Lamb, Trevon Diggs, and Micah Parsons to show up. You really need someone to take it to the next level. They say part of it, they didn’t need Randy Gregory… they didn’t need Amari Cooper. No I didn’t need to. you don’t have them

Live your reality as you are. But be realistic about the work it takes to get there. And I don’t think you should be a salesman like this all the time. We have what we need and we are better than last year.For example which metrics are better than last year?For example Dak’s shoulder is better than last year when he was strained in training his camp I’m here.

I think Jerry is trying to sell his fans and he’s clearly an incredible businessman. However, he begins to deceive the player at some point. One of the worst decisions you can make as a general manager in this league is deceiving yourself into thinking you’re there.

Charles Robinson: right.

Jolly Epstein: Well, Jerry the owner and Jerry the general manager are, in theory, relatively different parts of him. And perhaps when he’s making this pitch, it’s the owner, Jerry, who wants to sell tickets more than the general manager, Jerry. But if you can’t keep them straight and make personnel decisions accordingly, it can get a little confusing, and you don’t always make decisions that lead to the best chances of winning.


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How Marshall Street Editors' John Mayes Helped Aldi's Kevin on His Journey Home For Christmas

Psyop @ Stink Films and McCann Manchester bought the iconic Christmas character back for another year

How Marshall Street Editors' John Mayes Helped Aldi's Kevin on His Journey Home For Christmas

Marshall Street Editors has teamed up once again with McCann Manchester, Stink and Psyop on a new Christmas campaign for Aldi.

A ‘Top Gun’ style teaser was closely followed by a 90” storytelling spot, narrated by Jim Broadbent, following the adventures of Kevin The Carrot on his journey home for Christmas.

The epic production was made up of a five day shoot, with three days shooting the background plates and a further two days shooting the actors - Jim Broadbent for the UK and Colm Meaney for the Irish versions.

While editor John Mayes was on set in London, the Psyop directors (Todd & Kylie) were back in the US, so the team from RSVP streamed the live camera and edit suite feeds to allow everyone to review simultaneously. John captured the shots live and edited them into the animatic for approval before moving on to the next set up.

For the final two days of the shoot,John moved back into MSE’s office in Soho to edit while still recording the live shoot and streaming the edit suite to Psyop in the US and the creative team at McCann Manchester.

MSE’s assistant editors, Serena Rossi & Olly Morgan also played a key role back at Marshall Street’s office viatheir server, prepping and assembling all the tech passes to carefully match the pre-viz characters.

Paz Parasmand, producer, Stink Films: “We are getting to grips with what does and doesn’t work remotely. For this job, we used the brilliant guys at RSVP who patched together our clients in Manchester and Ireland onto the terredeck system for the live camera feed. On the samesystem we also had Marshall Street’s secured editing feed for our directors in America and, using Zoom, the team were able to seamlessly talk through the live edit updates, mixing in the real time footage for the directors to see how it was working. John always brings his wealth of experience and weaves his magic on every project we do with him. Even with our directors in the US, the agency in Manchester and our editor in London it never felt like any one was miles apart”.

John Mayes, editor, “This is my fifth year with Kevin and this year’s film has been a journey, with the whole job edited and approved remotely, but it turned out great.  My favourite job of the year!“

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Men's Black Sheepskin Mittens

SKU:   M1012-BL-S

Size: S

$69.00 USD

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These men's 100% real/natural plush sheepskin mittens will feel like toasters on your hands. Please enjoy our blog post about these winter mittens "Canadian Mitts for Canadian Winters". They are entirely lined and insulated with thick and woolly genuine shearling in a nice grey color. There are many attributes that make sheepskin so warm and comfortable. The crimp of the sheep's wool creates insulating air spaces which naturally retain body heat. This keep you hands and fingers nice and warm and toasty. Sheepskin is also water repellent and naturally whisks moisture away so your hands will not get too hold or too cold. Real sheepskin shearling mittens are extremely durable. They feature a black leather trim around the opening of the mittens.

The black exterior of the men's mitts is the reversed suede side of the sheepskin which will protect you from wind and water. The suede is naturally water resistant but we also recommend that you spray them with a leather protector. We carry men's sizes small, medium, large and xx-large. Please visit our sizing tab to view exact measurements. These men's genuine sheepskin mittens are made in Canada. They will provide you with unparalleled warmth and comfort whether you are walking, driving, or wherever you're going this season.

MaterialGenuine Sheepskin
ManufacturingMade In Canada by Lambskin Specialties
SizeAvailable In Size Small - XX-Large
LiningPlush Real Shearling Wool Insulation
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Genuine sheepskin and suede should fit snugly at first as it will stretch and mold to your hands for a comfortable fit. The length should always feel right. Click here for washing instructions.

Inner Thumb Length3"
Width Across Hand4.25"
Length from Tip of Finger to Wrist7"
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Width Across Hand4.5"
Length from Tip of Finger to Wrist7.5"
Inner Thumb Length3.5"
Width Across Hand5"
Length from Tip of Finger to Wrist8"
Inner Thumb Length3.75"
Width Across Hand5"
Length from Tip of Finger to Wrist8.5"

The below size chart converts UK, EU and US foot sizes. The cm measurement is to be measured from your heel to your toe. Most of our shoes fit the same as your regular shoe size, however each individual product has information with recommended sizing. Please see individual product page for more detailed sizing recommendations. Please also click on this link for a PDF printout to help you with child sizing. *Be sure to cross-reference this chart with the specific product page size recommendations. (If this chart says you are an 8½, but our product page recommends ordering a size 7 for a US 8½, order accordingly)

All returns must have a RA (return authorization) on the label, please contact us first via email and we'll provide a RMA number and the address to return to.

To attain an RA:
Please email us at, and state your order number, and what you'd like (refund or exchange). If you have not received an answer within 48 hours, please be sure to check your junk, or promotions folder, in case our response went there.

If for any reason you are not satisfied with your purchase, please return it in its original condition WITHIN 30 DAYS OF ORIGINAL PURCHASE - (NO EXCEPTIONS)*  for an exchange or refund.  DO NOT write or label the box, please wrap it first.

If a refund is required, only the purchase and taxes will be refunded, not the shipping. Please note that the customer pays for return shipping via POSTAL SERVICE. We cannot accept any COD return. Indicate clearly "RETURN FOR EXCHANGE ONLY".

Please note that should a partial return for refund be the case,  which would cause your order to no longer qualify for free shipping, shipping charges will be subtracted from your refund.

*Some exclusions apply on personal use items -

Items that cannot be returned:

  • Face masks

The return tab on the individual product page may specify if an item may not be returned.

Package must not be damaged, written on, or taped.

Please note that when a refund is requested on returns made that had Black Friday/Cyber Monday discounts may result in your order not qualifying for those discounts. The amount refunded will reflect which discount category your remaining order qualifies for (or doesn't qualify for).

Return period is extended for Christmas orders. Please be sure to contact us by January 15 to facilitate returns/exchanges of Christmas gifts.
(Only applicable to gifts)


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How To Cope With The Lighting Challenges in a Warehouse?

How To Cope With The Lighting Challenges in a Warehouse?
How To Cope With The Lighting Challenges in a Warehouse?
How To Cope With The Lighting Challenges in a Warehouse?
How To Cope With The Lighting Challenges in a Warehouse?

The problems that may arise due to poor lighting conditions are clear and scathing. However, one can fix most of the lighting-related problem with LED warehouse lighting fixtures. Here are a few points to consider:

How to tell what's right for a warehouse?

Warehouses need lights that can operate 24*7. Therefore choosing lights that offer an extensive lifespan makes complete sense! Since LED lights come with a lifespan rating of 30-50,00,00 operational hours, one can trust in them. Also, before considering lighting installations, it is essential to inspect the warehouse for requirements. Based on the findings, one must devise a cost-effective lighting design. While some areas in a warehouse may dedicate to specific tasks, others may serve multiple purposes. Therefore, the number of LED warehouse lighting fixture installations will differ.

Will there be enough light, even in high-ceiling spaces?

It is wise to install heavy-duty high bay LED lights for warehouses that have a ceiling height of above 15 feet. While conventional fixtures may not illuminate a warehouse down to the floor, high bay lights are powerful enough to provide a flush of bright light in a high-ceiling space.

How to ensure the endurance of the luminaires?

LED warehouse lighting fixtures come with an IP65 or IP68 rating, ensuring endurance in dust and moisture-prone warehouses. Therefore, it is safe to say that LED lights are one's best bet at warehouse lighting!

What about lighting controls?

Having total control over the warehouse lighting fixtures has several advantages. Increased energy savings is one of them! Those who want to install lights that turn on and off without assistance can opt for high bay LED lights with motion sensors.

high bay led lights

How to justify the investment?

In comparison with conventional fixtures, LED warehouse lights are on the pricier end. Therefore, it should be clear that installing high bay LED lights or any other LED warehouse lighting fixture is a hefty upfront investment. However, considering the 'many' benefits and 'extended lifespan' of LED lights, the initial costs won't hurt!

LED lights offer bright and eye-pleasing illumination, which helps increase the productivity of the employees. High color rendering index (CRI) implies that the lights allow enhanced visibility and better color recognition in enclosed spaces, reducing the chances of fatal accidents and faulty operations.

LED lights do not contain toxic elements such as mercury and do not produce harmful UV and IR rays. Therefore, one can be sure about health safety in a warehouse with LED installations.

Final Thoughts

LED lights have been around for years now, and it is high time that the world embraces the technology with warmth and enthusiasm. Now that you have gone through this blog post, we hope you'll be up for a positive lighting experience. If you need to buy some LED lights, kindly visit our collection. If not, feel free to write in and blast our inbox with queries about high bay LED lights or other LED warehouse lighting fixtures, and we'll be happy to help!

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Incident management

Quickly inform and deploy the right resources when incidents occur

Incident management can be used to alert, activate and call in resources for critical or emergency events to quickly respond to the situation and take action. This all helps ensure business continuity.

One solution for staffing and communications in time-critical situations

Our incident management solution automates the entire incident communication chain to minimise damage, lost revenue and manage corporate confidence in the market. You can quickly locate available and skilled personnel, call in the people you need when you need them and keep emergency managers informed in the meantime.

Why automate communications?

When an incident occurs, every second counts. Clear and immediate information is crucial. The Incident Management solution allows you to quickly and efficiently reach out to all stakeholders directly and free up time from the process so you can focus on the incident itself. An automated communication process makes it easier to ensure procedural compliance. In addition, errors that can easily occur in time-critical situations due to the human factor are avoided.

What are the benefits of incident management?

Speed up the communication process

Save time when you need it most. An automated solution frees up time you would otherwise spend informing others and calling in staff manually. You get responses in seconds.

Maintain focus on the incident

Automated communication processes allow you and your colleagues to engage in coordinating and managing your efforts and saving your company's assets by maintaining focus on managing the incident and getting responses right away.

Minimise the risk of manual mistakes

An automated solution ensures that existing processes are consistently followed and errors due to the human factor are minimised. If you need to wake someone in the middle of the night, an automated voice dial may be an effective way to do so.

How does it work?

Our incident management solution quickly reaches the resources that need to be activated by SMS and automated voice dialling.

  • Mobilise cross-functional teams in seconds from your PC, mobile or Ipad.
  • The system automatically contacts the next person on the list if someone cannot take a job or answer within a specific time.
  • When all positions in the team (e.g. emergency response team) have been filled or there is no one else to contact, a report is sent via SMS to the person who initiated the call.
  • Track progress in real time on a web-based dashboard. You can also extract an event log for further analysis.
Explore Platform
INCIDIT_Plattform + SMS-1

Areas and applications

Lekab-IT alerting

Every company depends on IT systems for its business to work. In the event of problems, it is important to be able to communicate quickly with stakeholders to address the problem and ensure that work quickly returns to normal.

Minor and major incidents can pose a risk to human life and health or substantial damage to property. The Incident Management solution allows you to both inform a larger number of people and find, call in and coordinate the different types of resources that need to be in place.

crisis communication
Crisis communications

Sudden incidents can cause concern. The way a company reacts and communicates with employees and customers can be the difference between getting a good response or eroding trust and damaging the brand. Our platform allows you to inform both internally and externally via mobile channels.

More benefits of the incident management solution

The solution is designed and adapted for mobile devices. Start a flow and follow the process from your mobile, tablet or computer.

Easy to use

The user interface is intuitive and easy to use. This minimises the risk of delays and errors. Pre-set recipient groups and templates are available for various messages to enable rapid communication.

The automated solution is cloud-based and has high availability and performance, which is essential in time-critical situations. There is also the strong possibility that the IT systems will be down.

Incident management is flexible and offers different communication flows depending on the need. You get features optimised for finding the right resources that can track all processes in real time and ensure that recipients have all the important information easily accessible on their phone.

Skärmavbild 2021-10-21 kl. 16.57.30

Learn more about our incident management solution

If unforeseen events occur, it is important to be able to quickly activate various resources to deal with the situation that has arisen. It is therefore essential to be able to send information to the right people at the right time and to ensure these people can manage and receive this information.

This guide will help you learn about:

  • When and why incident response is needed
  • How incident management works
  • How to improve your company's communication process with SMS

Download product guide

Want to know more about our incident management solution?
Book a demo Contact us


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Best Debt Consolidation Loans in November 2022Credit Card Debt Consolidation
How Does LendingTree Get Paid?

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How to Pay Off Credit Card Debt in 9 Ways

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, commissioned or otherwise endorsed by any of our network partners.

Whether you’re looking to pay off $500 or $5,000 in credit card debt, there’s no one-size-fits-all answer to debt repayment. A reasonable plan must take into account your income, the amount of credit card debt you have and your financial priorities.

However, there are still strategies for paying off credit card debt that can be useful for anyone, regardless of your situation.

How to pay off $500 or more in credit card debt

Your first step in getting out of credit card debt involves evaluating your finances to determine where you stand. If you can’t pay more than the minimum on your  cards, for example, you might seek out additional sources of income, like freelance work or a part-time job. Doing so would open new ways of managing your debt, though we offer some options below if you can’t currently make payments.

A budget can be a powerful tool to track what money is coming in and going. You can create your own budget or download an app that pulls spending and earnings directly from your bank account and displays it in a dashboard. A popular budget strategy is the envelope method, where you set aside the exact amount of cash you need each month, placing hard limits on spending. Those that would prefer an app may find Mint or You Need a Budget (YNAB) provide needed accountability.

With a better understanding of your finances, you can make moves to create room in your budget to pay off credit card debt.

9 ways to pay off credit card debt

If you’re looking to pay off $500, $5,000 or more in credit card debt, these nine strategies can help:

  1. Debt snowball method
  2. Debt avalanche method
  3. Balance transfer credit card
  4. Credit card consolidation loan
  5. Home equity loan or home equity line of credit (HELOC)
  6. Credit counseling
  7. 401(k) loan
  8. Debt settlement
  9. Bankruptcy

1. Debt snowball method

If you have free cash in your budget, the debt snowball strategy sets you up for quick wins early on in your repayment journey so you stay motivated and encouraged. Here’s how it works:

  1. Make a list of all your credit card debt balances and order them from smallest to largest.
  2. Pay the minimum amount on each debt every month, but make extra payments on your smallest debt.
  3. Once you repay that debt, take the money you’ve freed up and pay off the next smallest debt.
  4. Cycle through steps 2 to 3 until you have paid off all your debt.

As an example, let’s say you have the following debt accounts:

  • Account A: $4,000 balance and 21.0% APR
  • Account B: $15,000 balance and 16.2% APR
  • Account C: $250 balance and 19.5% APR

If you follow the debt snowball method, you would pay off Account C first, as it has the smallest balance. Once it’s repaid, you’d target Account A and then finally Account B. Conquering smaller balances one at a time gives you motivation to tackle the next. And as you clear your debts, you free up more funds for the next account.

This method is not without its disadvantages, however. You might pay more in interest charges compared to other debt repayment strategies, such as a debt avalanche. That’s because a debt snowball doesn’t take interest rates into account, so you could spend several months paying off a low-cost debt. But if quick wins keep you motivated, then a debt snowball can be an effective strategy.

2. Debt avalanche method

The debt avalanche method, also known as debt stacking, looks a lot like the debt snowball method — but with one key distinction. Instead of paying off the smallest balance first, you start with the highest interest rate and work your way down.

Here’s what it would look like applied to the example from the previous section:

  • Account A: $4,000 balance and 21.0% APR
  • Account B: $15,000 balance and 16.2% APR
  • Account C: $250 balance and 19.5% APR

In this situation, you would pay down Account A first, Account C next and Account B last.

The debt avalanche is a great option if you want to spend less on fees and get out of credit card debt quicker. Credit cards with high interest rates can keep you in the red longer as a larger part of your monthly payments go toward paying interest rather than decreasing the principal.

By tackling debts with the highest interest rates first, you’ll get rid of these pesky penalties sooner and free up more funds to pay off the rest of your credit card balances. Just like an avalanche, it takes a lot before you see any changes. But once you reach the tipping point, everything falls into place quicker than you’d expect.

However, because it can take longer to see results compared to a debt snowball, this repayment strategy can be discouraging for some people.

3. Balance transfer credit card

Credit cards carry notoriously high interest rates. New cardholders with poor credit bear the brunt of this, with rates that can soar above 20%.

But by moving your balance from a high-interest credit card to one with a lower rate, you can whittle down your debt without interest eating up such a large part of your payments. Some issuers will even offer a 0% introductory APR to sweeten the deal.

These introductory rates typically last between 12 to 24 months. Ideally, you want to pay off the balance before the introductory period is over. Otherwise, you may find yourself worse off than before, if your generous 0% APR offer turns into a higher-than-average interest rate and you’re charged back interest from the original purchase date.

This option is best for those with good or excellent credit, as you’re more likely to receive a better deal and be approved. Just make sure to check the fine print before you sign. Some issuers may charge you a balance transfer fee equal to 3% to 5% of the transferred amount. Compare that fee to potential savings from transferring your debt.

4. Credit card consolidation loan

Another option to consider if you have good credit: low-interest personal loans. Credit card consolidation loans are used to pay off several debts at once, combining them into one balance with one monthly payment and a fixed interest rate and repayment period. Preferably, the new loan would have a lower interest rate than any of your credit cards, to make repayment more affordable.

Personal loan rates vary between 5% and above 30%, while rates for credit card offers typically start at about 15%. Over time, the money you save by consolidating your credit card debt adds up.

Consolidation loans also take the guesswork out of how to pay down credit card debt. You know how much to pay every month, and your repayment schedule guarantees that you clear the balance by the end of your loan term. It’s like having your repayment plan laid out for you – all you have to do is follow it.

5. Home equity loan or home equity line of credit (HELOC)

If you’re a homeowner with sizable equity in your house, borrowing money against it may be an option to consider. Home equity loans provide you with a lump sum amount that you’d pay back in regular installments, much like a personal loan.

With a home equity line of credit (HELOC), on the other hand, you have more flexibility in your borrowing and repayment terms. HELOCs are comparable to credit cards, in that you can borrow up to 80% to 90% of the equity in your home whenever you need to and pay the amount back over several months.

These alternatives may appeal to you if you’re willing to take on secured debt. The rates are lower and your interest is tax-deductible.

Make sure to steer clear of home equity loans and HELOCs if you’re risk-averse or are dealing with unpredictable finances, however. If you default on your loan for credit card debt, you could risk foreclosure and lose your house.

6. Credit counseling

Credit counseling services offered by nonprofit organizations help you manage your debt and improve your financial literacy, especially if you’re new to personal finance management.

In your first meeting with a credit counselor, they’ll learn about your financial situation and point you to resources you may need, such as educational materials and debt management classes. Certified counselors understand the intricacies of topics like credit and bankruptcy, allowing them to devise a personalized plan to help you get out of credit card debt.

They may recommend you enroll in a debt management plan. With this type of plan, your credit counselor will act as the intermediary between you and your creditors. They’ll make debt payments on your behalf, negotiate with creditors to potentially get your interest rates reduced and fees waived.

Although a debt management plan may come with a monthly fee, depending on your circumstances it may be waived. To find reputable credit counseling agencies, check this resource from the Department of Justice.

7. 401(k) loan

If you have retirement savings, you can borrow against them in what’s called a 401(k) loan.

Despite the label, this method isn’t considered a true loan. Instead, think of it as borrowing money from your 401(k) and reinvesting the funds one payment at a time. Specific guidelines vary between employers, but generally you can borrow up to $50,000 or half of the balance in your account. Since you’re borrowing from yourself, you can qualify with faulty credit, as well.

However, remember that 401(k) accounts are valuable investments, with interest that compounds exponentially. By borrowing from your retirement fund, you lose the financial gains you’ve made so far along with the ones you’d make in the future. You’re also subject to a multitude of penalties, fees and taxes – and you’re responsible for covering the entire “loan” balance within a short window of time if you leave the company.

Without a plan in place, you put your long-term financial security at risk, so try to avoid this option if possible.

8. Debt settlement

Settling credit card debt involves negotiating with creditors so that you only pay a portion of what you owe. Settling a debt will hurt your credit, so weigh that impact versus getting rid of the debt. Debt settlement can be done by yourself. Though you may see debt settlement companies offering to do the work for you, we don’t recommend using them.

Debt settlement companies charge you for services you can do yourself, and they can’t (and shouldn’t) guarantee success. Some require you to make monthly payments through them rather than directly to your creditors, and dubious companies will take your money without improving your financial situation.

Many debt settlement companies will also ask you to stop making payments to your creditors, to pressure them into settling your debts for less than what you owe. So if you do decide to go this route, know that you may go through the collections process as well. Missing payments and settling accounts for less than what you owe will bring down your credit score. In the worst case scenario, it can even lead to lawsuits and wage garnishment.

9. Bankruptcy

When you’ve exhausted all other options, bankruptcy may be a way to get a clean slate. There are two types of bankruptcy that you can file for as an individual:

  • Chapter 7 bankruptcy, which discharges your debt after examining your assets and liquidating non-exempt ones like vehicles and fine jewelry pieces.
  • Chapter 13 bankruptcy, which requires you to complete a three- to five-year repayment plan before your debts are discharged.

The irony of these debt relief methods is how expensive they are, considering that it’s bankruptcy you’re filing for. Even without taking Chapter 13 repayment plans into account, you’ll also have to consider your bankruptcy attorney fees, court filing fees and mandatory bankruptcy courses. You can expect to pay, on average, somewhere between $1,600 and $5,500 to file a case.

Pursuing bankruptcy will have huge consequences on your finances. Like most other negative credit information, it will stay on your credit report for up to 10 years.

What to do after you escape credit card debt

As you wave goodbye to your credit card debt, know that personal financial management doesn’t stop here. It’s a journey, not a destination.

By following the same strategies you used for paying down credit card debt – along with the knowledge you might have gained from credit counseling – you can maintain your financial freedom. Your next steps include:

  • Staying debt-free. This isn’t the time to pile on new debt, just because you can. Spend less than you make, and consider using the money you’ve now freed up to invest in your future. Put money toward a home renovation, save for retirement or start an emergency fund.
  • Keeping your credit cards open. They’re important for maintaining a high credit score, especially if you’ve had them for a long time, if the accounts carry a large credit limit or both. Keep your cards active by using them for low-ticket monthly subscriptions like Spotify or Netflix. Just make sure to pay the balance before the end of the month.
  • Avoiding temptation. If you’re an impulse buyer, consider keeping your credit cards out of reach. Hide them away, lock them in your safe or cut them up — do whatever you need to do to avoid racking up debt again. Unsubscribe from the mailing lists of your favorite stores, and maybe even close your Amazon Prime account if you find yourself spending more than you should.
  • Budgeting for small “cheat” purchases. On the other hand, if it feels impossible to cut out impulse spending completely, set aside an allowance for small indulgences every month. Just as cheat meals help prevent you from going off the rails on your diet, “cheat” purchases like a frappé or movie tickets help you to maintain control over your carefully-calculated budget.

Debt Consolidation Loans Using LendingTree

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Discover Our apartments for rent

Rocheclose apartment for 6 to 8 people

From €86 / night

Located on the 1st floor, this large T3 apartment of 80m2 is equipped with an American kitchen with a spacious and bright living room. It can accommodate 6 to 8 people. It has a terrace with mountain views.

It is classified 3-star Meublé de Tourisme by Gîtes de France.

It can communicate with the Savernes and Bernardez apartments, allowing you to accommodate up to 14 people.

The Alisiers restaurant adjoining the apartments welcomes you all year round to help you discover local products through seasonal menus.

from 580 € to 850 €

4 people: from 110 € per night

5 people: from 130€ per night

6 people: from 140 € per night

7 people: from 150 € per night

8 people: from 160 € per night

  • Capacity: 6 to 8 people
  • Living room with 140 cm bed and flat screen TV
  • American kitchen with washing machine, oven, microwave, fridge, freezer, hob, toaster, coffee machine
  • Bedroom 1 with 160 cm double bed and 1 pull-out sofa bed
  • Bedroom 2 with double bed 140 cm
  • Bathroom with bath and shower, separate toilet
  • Free Wifi
  • Free parking available
  • Towels not provided (rental possible)
  • Bed linen provided for stays of less than 3 nights, not provided for stays> 3 nights (rental possible)
  • Baby equipment
  • Iron, drying rack, vacuum cleaner
  • Garden available to customers, with sun loungers, parasols, picnic tables, barbecue

Extra services

  • Breakfast (per day and per person) (€8.00)
  • Breakfast and evening meal (Provenç'Alpine menu excluding supplement, or Raclette or Fondue + dessert) (€34.00)
  • Child formula (per day and per child) (€17.00)
  • Final Cleaning (€60.00)
  • Tourist tax (per day and per person) (€1.00)
  • Extra charge for pets (€20.00)
  • Towels (per person) (€8.00)
  • Bed linen (per bed) from 4 nights (€10.00)

Good to know

  • Possibility of communicating apartments for up to 14 people
  • Bakery and grocery store in the village with possibility of delivery
  • Restaurant services: breakfast, half-board, picnic, take-away meals

Payment methods


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940 Alexander Ct Dixon, CA 95620
4 beds
2 baths
2,426 sq ft

Listing courtesy of Kevin M Johnson, RE/MAX Gold.

Contact Me to Learn More

Nicole Solari

Nicole Solari

Founder, Broker Associate Realtor®

DRE# 01952567

Property Description

One of the most DESIREABLE Floor Plans in Dixon… 4 Bed/2 Bath, over 2,400 SqFt., Single Story (Huge Bedrooms), 3-Car Oversized Garage, plenty of room for a Pool. Corner Lot! Upgrades throughout, including Steam Shower, all appliances, HVAC, Water Heater – all upgraded or previously replaced and THE BEST – Owned Solar System – you will be bragging about your non-existent Electric Bills. No HOA, No MELLO ROOS or additional Tax District. Roof Certification, Pest/Wood Clearance – all included. This home is READY to GO!

Property Details & Features

Property Type

  • Single Family Residence

Year Built

  • 1996

  • Source: Bay Area Real Estate Information Services
  • $305 per square foot

  • County: Solano
  • Area: Dixon

Property Access

  • Sidewalk/Curb/Gutter

  • 2 full bathrooms
  • 2 bathrooms

  • 4 bedrooms

  • 2,426 square feet
  • Built in 1996
  • Construction/condition: Cement Siding,Wood
  • 1

  • Slab

Family Room

  • Cathedral/Vaulted
  • Great Room

Home Owner’s Association

  • HOA amount: No

  • Lot square footage: 11,578
  • 0.2658 acres
  • Masonry
  • Wood
  • Auto Sprinkler Front
  • Auto Sprinkler Rear
  • Corner
  • Curb(s)/Gutter(s)
  • Landscape Back
  • Landscape Front
  • Shape Regular

Living Room

  • Cathedral/Vaulted

  • Tile

  • Internet Available
  • Public
  • Solar

Mortgage Calculator

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You’ve got questions and we can’t wait to answer them.

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Contingent – Show
981 Saint Andrews Dr Rio Vista, CA 94571
2 beds
2 baths
1,451 sq ft

Listing courtesy of Drew Haisley, Shafer Real Estate, Inc..

Contact Me to Learn More

Nicole Solari

Nicole Solari

Founder, Broker Associate Realtor®

DRE# 01952567

Property Description

This darling Trawler floorplan has roomy extended garage, brand new carpet, upgraded window treatments throughout, ceiling fans and a freshly painted interior. Intimate front courtyard and covered patio in rear yard. Kitchen features: stainless refrigerator, gas range, solid surface counter, tile flooring and bay window in nook. This home has ample storage as well as additional storage in the garage. This home is in an Active Adult Community 55+ and offers a multitude of social and recreational activities. This home has no addition bonds. HOA fees do not include golf play.

Property Details & Features

Property Type

  • Single Family Residence

Year Built

  • 1996

  • Source: Bay Area Real Estate Information Services
  • $286 per square foot

  • County: Solano
  • Area: Rio vista

  • 2 full bathrooms
  • 2 bathrooms

  • 2 bedrooms

  • 1,451 square feet
  • Built in 1996
  • Construction/condition: Stucco
  • 1
  • Contemporary

  • Slab

Home Owner’s Association

  • HOA amount: Yes
  • HOA paid: Monthly

  • Lot square footage: 5,227
  • 0.12 acres
  • Auto Sprinkler F&R
  • Landscape Back
  • Landscape Front

  • Tile

  • Cable Available
  • Electric
  • Natural Gas Connected
  • Public

Mortgage Calculator

Let’s Talk

You’ve got questions and we can’t wait to answer them.

We use cookies and tracking technology in connection with your activities on our website. By viewing and using our website, you consent to our use of cookies and tracking technology in accordance with our Privacy Policy.