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Easy Cash Solutions, on First Avenue in Cedar Rapids, is pictured on February 26

Easy Cash Solutions, located on 1st Avenue in Cedar Rapids pictured on February 26.

Inma Mateos/IowaWatch

Easy Cash Solutions, located on 1st Avenue in Cedar Rapids pictured on February 26.

Brian Curtis took out his first payday loan when he was 19. It took more than a decade before he got out from under it and the climbing interest payments that followed.

“It’s a trap,” he said.

Curtis, 37, and living in Davenport, said he had roughly $5,000 in payday loan debt after taking out loans for a $1,500 car repair while living in Florida, and then again when he moved to Missouri and needed a deposit for an apartment.

Add to that more than $22,000 in interest that accrued and he said he faced a bill topping $27,000.

“Who has $27,250 just laying around? Because if you had it just laying around you would never have been in the payday loan store in the first place,” Curtis said.

Payday loan companies provide small-dollar, short-term loans that dodge state usury laws, allowing payday lenders to charge annualized interest rates as high as 400 percent.

Yet, repeated attempts to place stricter regulations on the industry have failed to garner interest from state legislators, despite support from the Iowa Attorney General’s Office.

“Leadership on both sides of the aisle will not let these bills move forward for debate,” said Matthew Covington, a community organizer with Iowa Citizens for Community Improvement and part of campaigns in the Iowa legislature for tougher regulation of the payday loan industry.

Coming Thursday:
Behind The Scenes:

These loans affect thousands of Iowans every year, a seven-month IowaWatch investigative revealed. At the end of 2012, Iowa had 209 payday loan storefronts, which made over 950,000 loans that year and earned a combined annual net earning of nearly $5 million, according to the 2013 annual report from the Iowa Division of Banking.

Many borrowers — often low-income earners or those with poor credit histories — turn to payday lenders despite the high cost because payday loans are viewed as more accessible than traditional bank loans. Payday lenders, labeled as delayed deposit service businesses by the Iowa Division of Banking, do not seek the same credit history or salary requirements as banks and traditional lenders and the application process can take just a few minutes.

State Sen. Joe Bolkcom, (D-Iowa City)

State Sen. Joe Bolkcom, (D-Iowa City)

“The business model is locking people into this cycle of debt. Most consumers think ‘How could we allow that.’ But we do,” said Sen Joe Bolkcom, D-Iowa City.

Since 2001, Bolkcom, majority whip and chair of the Ways and Means Committee, has introduced multiple bills proposing increased regulation of the industry, including interest rate caps, reducing fees and a requirement that payday lenders provide repeat borrowers with information on debt management. Each time, the bills failed to gain traction, despite Bolkcom’s position as a leading member of the majority party.

A similar bill in the House mandating an option to pay off payday loans in installments was introduced in 2013 and passed through a subcommittee in February, but then languished.

Supporters of the payday loan industry, including the founders and owners of several of payday loan companies, have voiced their opposition to new regulations, contributing money to political campaigns and hiring lobbyists to voice their concerns.

Campaign contributions to Iowa legislators from payday loan-associated donors totaled over $480,000 between 2003 and 2013, according to Iowa Ethics and Campaign Disclosure Board data collected by IowaWatch. An additional $800,000 has flowed into the state as payday loan companies and interest groups contract lobbyists to speak in favor of the industry in the Iowa Statehouse.

Iowa legislators denied the contributions have had an influence.

Contributions may not buy votes, but experts say they can buy access to legislators, which can impact the agenda and give industry leaders a heads-up to legislation coming down the pike.

With state legislation stalling, Iowa cities have taken action. Over the past four years, ten Iowa cities passed ordinances restricting locations for new payday loans stores. But cities can’t control interest rates.

Waterloo City Council Member Pat Morrissey, who spearheaded Waterloo’s recent ordinance, said he hoped action at the municipal level could spur the state government into action.

“Just the concept of payday loans is atrocious. It’s usury and takes advantage of people who can least afford it and puts them in a cycle of debt,” Morrissey said.

This cycle of debt is linked to repeated use, through which borrowers who can’t pay off a loan when it comes due end up in a cycle of re-borrowing. With each additional loan, borrowers pay a fee. Added together, these fees can exceed the amount of the original loan and customers can remain in debt for months.

Surveys and studies reviewed in a seven-month-long IowaWatch investigation and which report high repeat usage rates suggest customers rely on the loans to cover chronic shortages, despite warnings from consumer advocates that the loans are only meant for short-term use.

Payday lenders also warn customers about repeat usage, but the warnings are often buried under positive messages portraying the loans as quick and easy.

An ad sent out in May by Advance America Cash Advance.

One mailing sent in May by Advance America Cash Advance, a national payday lender with 26 storefronts in Iowa, announced: “Whenever you need money, we’ll get it to you quickly, easily and with respect.” Small print at the bottom warned potential customers “short-term loans are not intended to be long-term financial solutions. Customers with credit difficulties should seek credit counseling.”

A survey by the Iowa Division of Banking shows roughly 53 percent of customers at Iowa’s payday loan stores took out 12 or more loans in a year. An additional 32 percent took out 15 or more loans.

A March report from the Consumer Financial Protection Bureau showed more than 80 percent of payday loans are rolled over or followed by another loan within 14 days. Iowa prohibits rollovers, where borrowers pay a fee or the interest on a loan to extend the due date, but lenders are allowed to make a new loan the same day a borrower repays a previous loan.

The Iowa Division of Banking survey shows the average payday loans interest rate in 2013, measured as an annualized percentage rate (APR), was 268 percent. In 2009 the average rate reached a peak of 296 percent APR.

While payday loan businesses are required to post interest using an annualized percentage rate, the businesses often provide additional ways of measuring interest rates that portray the loans more favorably.

In Iowa, a fee of up to $15 can be charged for a $100 loan. This could be billed as an interest rate of 15 percent. But calculating the annualized percentage rate, as mandated by the Truth in Lending Act, takes into account the quick turnaround by dividing that $15 fee over the number of days. During a two-week period that fee is divided by 14 days to become $1.07 per day. Multiplying this $1.07 for a full year results in a fee of $390, or a 390 percent annualized rate on the original $100 loan.

Randy Johnson, compliance examiner at the Iowa Division of Banking, said using an annualized percentage rate is the only way to compare “apples to apples” in order to give consumers an accurate picture of different loan options.

Jamie Fulmer, senior vice president of public affairs at Advance America Cash Advance said the company follows regulations, clearly posting APR rates in its stores.

However, Fulmer said annualized percentage rates best describe loans that will be paid off over a number of years.

“That’s not how our customers use our loans,” he said.

Payday loans are meant to be paid off in two to four weeks. But usage rates suggest that, while the loans might not last years, they often last longer than a few weeks.

A study by Pew Charitable Trusts showed borrowers took an average of five months to pay off their loans, accumulating an average of $520 in interest.

The study, involving a telephone poll of payday loan customers and 10 focus groups in select U.S. cities, pointed to the system of fees associated with payday loans as encouraging repeat borrowing. Of those polled, only 14 percent could afford the more than $400 needed to a repay an average payday loan. However, most could afford to pay about $50 every two weeks, roughly equal to the cost to rollover a loan.

Fulmer referred to a more positive study conducted by Harris Interactive, saying the vast majority of customers were satisfied with payday services and understood the terms and costs of the loans. An infographic from the study shows 98 percent of customers were “at least somewhat satisfied” with their payday loan experience and 97 percent strongly or somewhat agreed that the lender “clearly explained the terms of the loan to them.”

Fulmer said the study was done independently of the payday loan businesses. But documents reviewed by IowaWatch show the Community Financial Services Association of America, a payday loans industry organization heavily involved in lobbying and other promotional activities, commissioned the survey.

Harris relied on subject lists derived from customer data provided by five payday loan companies. The lists explicitly left out customers unable to pay back loans; it included only customers who had made the final repayment on a loan, including all rollovers, and had a zero balance.

The instructions sent to the five companies include comments that directly state the purpose of the survey as providing promotional material to “refute other research in the public domain that has shed a negative light on payday lending.”

Despite this goal of producing promotional material, nearly 60 percent of respondents to the Harris survey said they would favor government regulations on the amount of money people can borrow from payday loan stores. More than 40 percent said they would favor restrictions on how many times people can renew or extend a payday loan. Nearly half of respondents said payday loans were much more or slightly more expensive than other lending resources.

Brian Curtis pictured January 20 in a Davenport, Iowa Starbucks.

Lauren Mills/IowaWatch

Brian Curtis pictured January 20 in a Davenport, Iowa Starbucks.

For Curtis, re-borrowing the loans meant becoming mired in debt.

The first two times Curtis went in to pay off his loans, he was able to pay only the interest, $25 each time. But by the third visit, he needed to come up with the full payment. Curtis had a full-time job, but living expenses ate up most of his wages.

“Then you just go ahead and re-borrow it because you didn’t have the $445 to start with. So you’re just stuck,” he said.

Curtis said he first heard about payday loans through a televised ad.

“When I first saw the commercials when I was younger, I was like, ‘Oh, this is cool. I can just go there. I don’t have to go through all the credit check process.’”

He said he didn’t try to get loans from a bank because he didn’t have a credit history and had been turned down for credit cards. Borrowing from friends or family wasn’t an option.

“My family didn’t live close by and struggled for money as it was. I came from a good home life, but there weren’t a lot of extras to go around. I don’t think we ever took a family vacation anywhere,” he said.

Despite the high interest rates and the dangers of repeat borrowing, the loans are still in demand. The Community Financial Services Association reports payday loan businesses provide $38.5 billion in short-term credit to an estimated 19 million American households.

Amber Castle, an employee at Easy Cash Solutions in Cedar Rapids shown February 26.

Inma Mateos/IowaWatch

Amber Castle, an employee at Easy Cash Solutions in Cedar Rapids shown February 26.

In a February interview during IowaWatch’s investigation, Amber Castle, an employee at Easy Cash Solutions on First Avenue in Cedar Rapids, said she saw about 150 people a week come in for a loan.

“There are people who make a lot of money and shouldn’t be coming in here, but it is easier and more convenient. Banks are making it harder to get a loan and it can take a long time. Here it only takes about 20 minutes,” Castle said.

Outside the store, signs read “All Credit Welcome,” which had to change from “No Credit Checks” when the store adopted an underwriting program to check customer’s eligibility for a loan. Flyers advertise “convenient services,” a “friendly team” and a business motto of “helping everyday people.”

Applicants need to have a bank statement, some form of identification, a home phone or cell phone bill, proof of income and a check.

Because payday loans are not usually included in credit reports from the major credit reporting agencies, many consumers assume the loan won’t impact their credit history and don’t plan on paying it back, Castle said. But failure to pay off a payday loan can damage an individual’s credit score if the store uses an outsourced collections agency, she said.

Castle and Fulmer both said the loans are transparent and borrowers know how much they’ll owe.

But Susan Taylor, a family finance specialist with Iowa State University Extension and Outreach who teaches personal finance classes to low-income individuals, said the businesses are predatory, preying on people who are in need of cash.

“They are not being very upfront about the true costs over time. And when your luck is not good — and with many low-income individuals you go from crisis to crisis to crisis — you don’t question it.”

Curtis said he was naïve when he took out his first payday loan. “I thought it was a quick fix for a problem. I realized how bad of a problem it was going to become for me after I was already in,” he said.

“You’re constantly stressed, thinking, ‘How am I going to make the payments?’ I was tired of having panic attacks.”

He eventually asked his grandfather for help to pay off a portion of the debt and declared bankruptcy on the rest in 2007, which is affecting his credit history for 10 years.

“I felt ashamed. You feel ashamed when you get to that point where you have to ask somebody else for help to get out of debt. You feel unaccomplished. You feel worthless,” he said.

Now, seven years after getting out from under his payday loans, Curtis said he’ll “never go back into it. No way.”

Curtis said he’d like to see further regulation of the industry to prevent others from falling into similar situations. But regulations proposed in the Iowa Legislature repeatedly have died before reaching the floor for debate.

There have been successes in the past, with actions taken against the car-title loan industry, a similar small-dollar, short-term lender that required borrowers to put up their vehicles as collateral. A bill proposed by the Iowa Attorney General’s Office was signed into law in 2007, capping interest rates on car-title loans and effectively shutting down the industry in Iowa.

“We had been seeing a tremendous problem with people losing their cars. It’s a lifeline to get to work, to school, to get health care. Losing their car was everything,” said William Brauch, director of the consumer protection division of the Iowa Attorney General’s Office.

Steve Warnstadt, former Iowa Senator.

Steve Warnstadt, former Iowa Senator.

Steve Warnstadt, government affairs coordinator for Western Iowa Tech Community College in Sioux City and a former Democratic state senator, was involved in efforts to ban car title loans.

Similar efforts made at the time to pass payday loan regulation stalled.

Warnstadt said legislators “did broach the subject with the House and it was evident that they were not going to be able to pass anything.”

“There are some folks who have a complete free market approach to things, and say that consumers want this product, they are purchasing the product; if they didn’t want it they wouldn’t use it.”

At the time of the proposed car title loan bill, the attorney general’s office also pointed to payday loans as a similarly abusive practice. Brauch said the office continues to support stronger regulation of payday loans but the office hasn’t proposed a payday loan bill because Bolkcom, the Senate majority whip, consistently has proposed new bills.

“If it is something that is the legislators’ initiative, I think that has the highest degree of weight particularly if it comes from legislative leaders,” Brauch said.

Bolkcom has introduced bills with proposed payday loan regulation nearly every session since he entered the Iowa Legislature in 1999.

“Regulations are necessary. Consumers expect regulators and their government would not allow a loan product to be available that didn’t have some kind of consumer protection. Bank loans have all kinds of protections for the consumer. In payday loans, it is consumer beware” he said.

Bolkcom proposed a bill during the 2013 legislative session that proposed capping the annual percentage rate at 36 percent, essentially extending the cap set by the federal Military Lending Act of 2007, which created a 36 percent cap for payday-style loans to active-duty military personnel and their dependents.

During the 2013 session, the bill made it through the Ways and Means Committee, which Bolkcom chairs. Because the bill passed the committee it could have been brought up for debate during the 2014 session, but it didn’t make the cut.

“The senate leader is only going to bring things up if he thinks there are the votes to get it through the House,” Bolkcom said.

Iowa House Majority Leader Linda Upmeyer, Clear Lake

Iowa House Majority Leader Linda Upmeyer, Clear Lake

House Republican Leader Rep. Linda Upmeyer, R-Clear Lake, objected to using the House as an excuse not to pass a bill.

“To portray that as a reason that they wouldn’t send it over when they send over many bills that are unsuccessful, not because it doesn’t get a fair hearing, but because it doesn’t have enough support. Perhaps they can’t get enough support in their own chamber and it’s a convenient excuse to blame another chamber,” she said.

When asked whether she would support a bill further regulating payday loans, Upmeyer said she had “seen no such bills come forward.”

However, the House saw a payday loans bill, HF 382, which was introduced last year and passed a House Commerce subcommittee during the 2014 session before stalling. The bill would have required payday loan businesses to give borrowers an option to pay off loans through installments after paying a $10 fee.

Brauch, of the Iowa Attorney General’s office, spoke in favor of the bill during a subcommittee hearing and said he will work with legislators again next year to put forward a new bill.

Although the Iowa Attorney General’s Office and Iowa Division of Banking get few complaints about payday lenders, Brauch said that doesn’t mean consumers are happy with the service.

He said people usually complain to the office when they feel they’ve been ripped off or lied to about the terms of the loan.

“With these (in-store) transactions its not that people are being lied to as much as that they (the loans) are fundamentally unfair. They don’t complain about it. They kind of just bear the burden of it,” he said.

Regulations have passed successfully in other states. The Pew Charitable Trusts study labeled 15 states as “restrictive.” These states have no payday loan storefronts. An additional nine states allow payday loans but have placed tougher requirements on the industry, including rate caps and longer repayment periods, the study shows.

Iowa is among the 27 states labeled as “permissive” by the Pew study. Currently, Iowa has some regulations on payday loans:

  • Loans are capped at a maximum of $500 to one person at a time;
  • The loan term is limited to 31 days;
  • A fee of no more than $15 can be charged for the first $100, then a maximum $10 fee for each additional $100 loaned. The total fee is capped at $55;
  • Penalties for failure to repay the loan are limited to $15 and can only be collected once per loan.

Iowa legislators said the lack of tougher regulations is not due to the influence of political donors, but the payday industry has been heavily involved in campaign contributions in Iowa.

Contributions from the payday loan industry amounting to over $83 million have poured into state campaigns across the country, according to data from the National Institute on Money in State Politics. Ohio, home to the payday lending company Check ‘N Go, is the biggest target for this money, the data shows. The institute shows Iowa legislators receiving more than $360,000 from donors associated with the payday loan industry since 1998.

However, data collected by IowaWatch from the Iowa Ethics and Campaign Disclosure Board reports shows Iowa legislators received more than $480,000 in campaign contributions from payday loan-affiliated donors since 2003.

“It’s hard to draw a straight line from contributions to how people vote on these issues,” Bolkcom said. “Does it play a role? Yeah, probably. Does it make a difference? Probably not. But people would be naive to think these contributions don’t have some effect.”

Four donors make up the majority of the contributions:

  • Michael Medved, owner of two Nebraska-based payday loan companies, donated more than $165,000;
  • Rod Aycox, owner of an Alpharetta, Geo.-based payday loan company, donated more than $145,000;
  • Allan Jones, CEO of the Cleveland, Tenn.-based Check Into Cash payday loan chain, donated more than $38,000;
  • Advance America Cash Advance Centers PAC, the political action committee for the Spartanburg, S.C.-based payday loan company, donated more than $37,000.

Fulmer, senior vice president of public affairs with Advance America Cash Advance, said the company doesn’t discuss specific donations, but that its goal is to “support candidates that support consumers having access to credit in a free marketplace.”

“We certainly participate in Iowa. We have 60 to 65 employees in Iowa who get up every day to provide these services. We have made an investment in Iowa,” he said.

Hans Hassell, an assistant professor of politics at Cornell College, in Mount Vernon, Iowa, said studies have shown a contribution doesn’t do much in terms of directly affecting policy or legislation, but it influences access.

“If I call up a state legislator I’m going to talk with their legislative assistant or their secretary because I have not given this large amount of money, but the executive of a corporation or a company that has given a fair amount of money to these campaigns, they are more likely to have direct access to the politician themselves,” he said.

Hans Hassell, assistant professor of politics at Cornell College, pictured in his office on February 26.

Inma Mateos/IowaWatch

Hans Hassell, assistant professor of politics at Cornell College, pictured in his office on February 26.

Most of the contributions from payday loan-associated donors went to incumbents from both parties, which Hassell pointed to as a sign that companies are more interested in gaining access to key players.

“What it gives them is not access to policy changes but access to information that may be useful to them in terms of mobilizing individuals, mobilizing grassroots, getting information to prepare their corporation for whatever is coming down the road,” Hassell said.

Ultimately, Warnstadt, the former Democratic state senator, said political campaigns are appealing to a broad spectrum of potential donors when raising funds.

“You end up getting money from entities that are going to have conflicting interests and there’s going to be a conflict. Ultimately, you are held accountable by the people who sent you to the Statehouse and you get judged on your deeds and your actions,” he said.

The top recipient, Senate Majority Leader Michael Gronstal, D-Council Bluffs, received more than $66,000 from payday-associated donors.

In an emailed statement to IowaWatch, Gronstal said:

“Campaign contributions have never influenced my decision about whether to move legislation, including legislation affecting the payday loan industry. Instead, my decision is based on other factors, including whether legislation is good public policy, whether it has the support of my Senate Democratic caucus, and whether there’s a reasonable chance that it will pass the House and be signed by the Governor.”

Warnstadt received more than $17,000 from payday-associated donors during his 16 years in the Iowa Legislature. He said making a contribution “increases the likelihood of being heard but it doesn’t preclude those who aren’t making contributions from being heard.”

Upmeyer, who has received more than $15,000 from payday-associated donors, said donations don’t play a role in her votes, support for bills or accessibility.

“I speak with anyone who calls the office and schedules an appointment. I’m very accessible,” she said.

This statement came after multiple calls and emails from IowaWatch to Upmeyer and her office during the course of three months failed to garner a response.

Upmeyer didn’t answer questions about whether or not she would support regulations on payday loans.

IowaWatch attempted to contact other legislators among the top recipients of payday-associated contributions, including House Speaker Kraig Paulsen, R-Hiawatha, who received nearly $11,500, and former House Democratic Leader, Rep. Patrick Murphy of Dubuque, who received over $16,000. Repeated calls and emails went unanswered.

Adding to the money spent on political campaigns, payday loan companies and industry organizations spent more than $800,000 on lobbyists in the Iowa capitol between 2008 and 2013, Iowa lobbyist registration reports show.

  • Community Financial Services Association, the national payday loan industry organization, spent nearly $290,000 between 2008 and 2013.
  • Aycox’s company, Anderson Financial Services, spent nearly $118,000 between 2008 and 2011.
  • Medved’s company, Midwest Check Cashing, spent nearly $350,000 between 2008 and 2013.
  • The Iowa Association for Financial Choice, which started spending money on lobbying in 2011, spent almost $50,000 over three years.

Brauch, of the Iowa attorney general’s office, said the money spent on lobbying can make it harder to get regulation of payday loan businesses passed in the legislature.

“The payday industry invests a great deal of money in lobbyists who work the issue hard and even if the voices of others are speaking in favor of this legislation it can be an uphill battle,” he said.

Bolkcom said he’s noticed more lobbying from the industry since he started proposing regulations more than a decade ago. “They’ve definitely become more organized and have more of a presence,” he said.

By employing lobbyists in the Statehouse, the industry has an additional opportunity to speak with legislators about the industry in a positive way.

Covington, the community organizer with Iowa Citizens for Community Improvement, said the industry “knows how to cover their bases,” hiring lobbyists that speak to both sides of the aisle.

“They do, of course, reach some people and have some influence,” he said.

Despite the lack of regulation and a steady demand for the loans over the past few years, the number of payday loans stores in Iowa has begun to decrease. But decreasing storefronts don’t indicate a decreased flow of money from the industry into the Iowa Statehouse.

Over the years, companies owned by Medved, including MM Finance, Midwest Check Cashing and the short-lived 3-Way Money Ventures, have licensed 33 different storefronts. Many are now closed. As of July, only 16 storefronts licensed to MM Finance were listed as “active” by the Iowa Division of Banking, which means the stores are up-to-date on business filings and annual inspections. The stores registered under the more recognizable name EZ Money Check Cashing.

At one point, Aycox’s business, Anderson Financial Services, had 23 storefronts across Iowa. In April, only one was listed as active by the Iowa Division of Banking. By July, that too was closed. The stores were registered under the name Iowa Payday Loans or LoanMax.

Despite the decreasing number of stores, the dollar values for Aycox’s contributions to Iowa candidates increased significantly. During a three-day streak in 2012, Aycox dropped $30,000 on political contributions in Iowa:

  • On Oct. 30 and 31, Aycox gave two consecutive $10,000 donations to Col. Al Ringgenberg, who ran unsuccessfully against Sen. Michael Gronstal, D-Council Bluffs.
  • On Nov. 1, Aycox donated another $10,000 donation to Team Iowa PAC, which advertises itself as “dedicated to helping elect conservatives from Iowa into office.”

Multiple phone calls and emails to Aycox went unanswered.

Emails to Medved also went unanswered. Messages left with the secretary of the corporate offices went unreturned.

“If he hasn’t called you back, he probably doesn’t want to talk to you,” she said after repeated calls.

Although his businesses are headquartered in Nebraska, Medved lists only Iowa addresses in his Iowa campaign contributions. Trips made to these Iowa addresses — including one Urbandale address cited as the home office of Midwest Check Cashing on documents filed with the Iowa Secretary of State — turned up empty.

The West Des Moines address of EZ Money Check Cashing, shown March 23.

Lauren Mills/IowaWatch

A Des Moines EZ Money Check Cashing storefront shown March 23. Michael Medved, owner of two payday loan companies, listed the store’s address on campaign contributions.

When IowaWatch visited the Urbandale address, offices under the name of Midwest Check Cashing or Michael Medved were notably missing. One office in the building belongs to the Des Moines-based Premier Real Estate Services, LLC, run by Medved’s business partner, James Myers. Employees recognized Medved as a partner in a Premier property in Omaha, but didn’t have a forwarding address.

Two other Iowa addresses listed in Medved’s campaign contributions turned out to be a West Des Moines building that was home to the now-defunct Regency real estate businesses, which also was headed by the Myers family, and a Des Moines EZ Money Check Cashing storefront. The EZ Money clerk initially didn’t recognize Medved’s name, but later said he would call. He didn’t.

Ten cities across Iowa have passed ordinances limiting the locations of new payday loan stores in residential areas or near certain buildings, like schools. But both critics and advocates say the ordinances fail to address key issues: high interest rates and business practices that target low-income borrowers.

“Cities can only do so much. They can’t do anything about the interest rates,” said Covington, of Iowa Citizens for Community Improvement, who has worked with cities on ordinances.

Des Moines passed Iowa’s first city ordinance in 2010, which restricted new locations and the relocation or expansion of payday lenders and pawnbrokers. The ordinance says the presence of these businesses detracts from efforts to attract or retain other businesses and concentrations of payday lenders have “adverse effects on the overall business atmosphere of the City.”

Ordinances also have passed in Ames, Ankeny, Cedar Rapids, Clive, Iowa City, West Des Moines, Windsor Heights and, recently, in Waterloo and Dubuque. [ED.NOTE: A previous version of this story did not include Dubuque, which passed a local ordinance July 21, 2014.]

Pat Morrissey ran for the Waterloo City Council last fall on a platform that included tougher zoning for payday lending stores. He won the election with nearly 60 percent of the vote against three other candidates.

“When I was walking around knocking on doors I never had anyone say anything good about a payday lender. The majority said it’s about time. Most wanted to see them gone, or at least out of their neighborhood,” he said.

After winning the election, Morrissey spearheaded an ordinance restricting both future payday loan locations and preventing existing storefronts that have closed for more than 90 days from re-opening. The ordinance passed April 28 with a 5-2 vote.

Rebecca Rosenbaum, of Iowa City, said that while an interest rate cap passed in the Statehouse would help borrowers, she didn’t support city ordinances.

In 2012, Rosenbaum spoke at an Iowa City Council meeting, opposing the city’s ordinance restricting payday lenders. She said payday lenders have been one of the few financial resources available to her and she was grateful to have access to the loans.

“If there were the kind of safety nets we need, such as affordable housing and decent wages and real help for poor people, we wouldn’t need to go to payday lenders,” she said, according to the transcript of the Sept. 4, 2012, meeting.

Rosenbaum’s husband, Steve Marsden, has been a part-time temporary worker at the Iowa City Public Library since 1982 and Rosenbaum does freelance writing jobs. When unexpected expenses come up the money simply isn’t there. In the past, they’ve turned to payday lenders, she said in a May interview.

Rebecca Rosenbaum and her husband, Steve Marsden pose with their cats in the backyard of the Iowa City home.

Lauren Mills/IowaWatch

Rebecca Rosenbaum and her husband, Steve Marsden pose with their cats in the backyard of their Iowa City home on May 16.

In 2011, Rosenbaum took out a loan from an online payday lender with connections to the Santee Sioux Nation in Nebraska.

She said she didn’t remember the exact amount of the loan, which went toward veterinary services that racked up a bill for hundreds of dollars when she and Marsden discovered one of their cats had diabetes. Because the couple had to renew the loan before they could pay it off, the loan ended up costing more than the original vet bill.

Marsden said he doubted the Iowa City ordinance, which passed in 2012, had much effect on payday loan use.

“If people are desperate enough, they can just go online,” he said.

However, Morrissey said keeping new lenders out of residential areas was a step forward, and he hoped the ordinances in his town and others would lead to action in the Statehouse.

“I would hope the state legislators are getting the message loud and clear that people want to see changes and one of those is they need to cap the interest rate. They need to be responsive to the common people of Iowa, not the moneyed business interest,” he said.


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Glover departs Sky Blues for Peterborough United

IMAGE | Coventry City Football Club

IMAGE | Coventry City Football Club

Coventry City development coach Lee Glover has left the Club to take up a new position as assistant manager at fellow League One side Peterborough United.

Glover, 46, a former striker for Nottingham Forest, Leicester City & Burton Albion has previous managerial experience with non-league Corby Town & Grantham Town, looked after The Sky Blues’ development sides last season but has now linked up with Posh boss Grant McCann.

Speaking to Peterborough United’s official website, McCann who worked with Glover on his Pro Licence and believes his experience of working with younger players will benefit the squad at the ABAX Stadium, said;

“He brings great experience to the young dressing room that we have, he has worked under a number of excellent managers in the past including Steve McClaren, Nigel Clough and Tony Mowbray to name but a few.

“He has worked with a lot of younger groups in the past with the under 21s at Derby and Coventry, as well as having a spell in management with Corby. He is a very good coach, someone that I have got to know really well on the Pro Licence and someone I am excited to be working with.

“I am confident he will get the best out of the players. It was really important to get this appointment right. I spoke to one or two other people, but when I spoke to Lee, I understood straight away how keen he was to join us, he only lives down the road in Corby and that was important too because we want someone local who can spend a lot of time with the players.”

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warcinfo:
isPartOf: CC-MAIN-2020-40
publisher: Common Crawl
description: Wide crawl of the web for September 2020
operator: Common Crawl Admin (info@commoncrawl.org)
hostname: ip-10-67-67-205.ec2.internal
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10 steps to decrease your risk of getting sick during the COVID-19 crisis

10 steps to decrease your risk of getting sick during the COVID-19 crisis   It seems simple enough but there are actually important reasons, considerations and steps to follow when staying safe during the COVID-19 pandemic.  For instance, did you know that hand washing has an equally important second step that must be followed?  That…

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Pillow talk: How to choose the best pillow

Now that Dr. Kangarloo has educated you on the most optimal sleeping positions, I thought it would be great to follow up with some advice on how to choose the best pillow.   Picking a pillow can be a daunting task and that is because we are all made/shaped differently. It always surprises me why…

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Sleep position

Optimal Sleep Position

We all know how important our sleep is, but perhaps even more important is whether or not we are sleeping in the best position. What is the ‘best position’? Is there truly a best? One of the questions I routinely ask during assessments with a new patient complaining of back stiffness or discomfort is what…

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CCST Cupping

What is Cupping?

Cupping is probably the most topical and viral treatment option in medicine right now, period! Thanks to those characteristic circular bruises Olympic legend Michael Phelps has been sporting it seems as if every media outlet is covering stories surrounding this treatment option.   The technique of cupping can be dated as far back as 3000…

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Pokemon Induced Neck Pain (PINP)

Pokemon Induced Neck Pain (PINP)

The Pokemon catch phrase is “Gotta catch em all” but I don’t believe that includes neck pain! Pokemon Go is a fun game designed to get you outdoors and moving but there are some important factors you must consider to ensure your long-term health and safety.   The main injury associated with excessive cell phone…

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Healthy Stampede Blog

6 Ways to Make it Through Calgary Stampede Healthy

WOW, Stampede is here – or should I say Yee Haw! It’s the first week of July, which means everyone’s  stampede attire is getting ironed and ready to go. Staying healthy and getting exercise can be hard during holidays and festivals, especially when there are free pancakes at every other corner. Below are my top…

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CCST - do I need an x-ray

Do I need an X-Ray?

Do I need an x-ray??? Nine times out of ten the answer is NO!!!   This is easily one of the most common questions I have encountered in my practice. Over time, we have been lead to believe that an x-ray is an important and vital tool when it comes to the diagnosis of injuries.…

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Vitamin D Calgary

Vitamin D: The Sun & Supplementing

The importance of vitamin D is a hot topic, especially now as we are getting warmer weather. Vitamin D is a crucial vitamin that helps with bone health, immune function, brain health, muscle function and even protects against diseases such as multiple sclerosis and rheumatoid arthritis.   How We Get Vitamin D: There are three…

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CCST Meaning of pain blog

What does my pain mean?

Most people develop pain the same way; like constant sitting, lifting, silly mistake or by maybe trying to ‘keep up with the Kardashians’ too much. When, where and why someone has pain is usually a strong indicator as to what caused the pain. In most cases pain is predictable which can make it easier to identify and…

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"Nobody puts baby in a corner"

Top 3 predictors for developing a injury

Why do we get injured? Are there steps we can take to avoid injury? Will I ever get better? Well to answer these questions: depends, yes and kind of. Thanks for reading! Bye. As if that is it! Although it seems as most injuries are either of random origin (ie. Drunkenly lifting up your buddy…

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We at CCTV Installation Bayswater North support our management with the strictest quality guidelines and the latest technological advances, to guarantee excellent service.

Our objectives are oriented to develop integral solutions, in terms of security for residential, commercial or industrial areas. We have the most effective options in Bayswater North to face the problem of insecurity. Here is why it is important to have a CCTV installed in your property in Bayswater North:

  • Increased deterrent – CCTV is a great way of deterring potential threats to your properties such as thieves. They will have to try their luck somewhere else!
  • The safer working environment for businesses – Your business environment will be safer in terms of health and safety policies.
  • Remote monitoring – Even when you are away from Bayswater North, you will have eyes on your home or business from anywhere.

We use a high technology systems platform to guarantee effective performance. Our staff is highly qualified to provide endless alternatives in the area, according to the demands and needs of the current market.

CCTV Installation Bayswater North has the capacity to:

  • Develop standards and procedures, and plans based on the client’s needs and the benefits they wish to obtain.
  • Excellent post-sale service, constant communication with our customers, to get more feedback on the service provided.
  • Specialized technical service, at your disposal. Wide warranty on installations and equipment. Constant advice from qualified personnel.
  • Capacity to offer added alternatives as an added value to the contracted service.

CCTV Security Camera Installation will protect you from possible threats

Value your property and protect it from possible threats that will put it in harm’s way!

  • Our CCTV services in Bayswater North are adapted to your needs
  • With us you will get the best prices in Bayswater North
  • Highly trained staff providing services in all of Bayswater North
  • We optimise the security for your Bayswater North home / business
  • We maintain the highest standards in specialized Technical Service.
  • From our technological platform, you can connect any device with Internet access.

Having a security camera system in your home, business or company has gone from being a luxury to a necessity. The final result of making an investment in a CCTV system brings with it a series of benefits, always oriented to the protection, security and confidence of those who opt for it.

Here are 5 simple reasons to choose  CCTV Installation Bayswater North:

  • By creating alternative proposals, we ensure that you get the best price/performance camera system within your budget.
  • We provide expert services from cable to wireless systems, suitable DVR-camera combination, with the experience of hundreds of reference customers that we have installed CCTV systems.
  • We provide great after-sale services helping you operate your CCTV in an optimised way.
  • We enable you to use the experience of our engineers for matters that require a professional opinion.
  • If you are looking for a business partner who will help you in a transparent way before and after all in all processes, CCTV Installation Bayswater North is the right place for you.

We tailor our pricing and packages to suit your needs with an understanding that families have budgets we have put together the most common effective packages that suit the average household.

If you’d like to learn more about our services and offers, you can check our services page on our website and likewise give us a call at 0386096092   or use our contact us page.


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NDOS Commissioning Meeting 2011/07/28

Attendance: Jon, Mark Mathis, Minerba, Mat, Martin, Susan, Nick, Dominick, Zeb, Tomas, Jiri, Peter, Athans, Carl B., Art, Andrew

  1. Beam update
  2. Detector update, including:
    1. Beam trigger timing issues
    2. APD recovery status
    3. APD reinstallation plans
  3. DataCheck Update
  4. DAQ Update
  5. DCS Update
  6. AOB

Beam Update

  • NuMI beam came back last night in anti-neutrino mode. We will continue to collect data in this mode until the next (new) NuMI target is available for installation (September). This was a decision made by the MINOS collaboration.
  • We got a couple of hours of beam before a power outage at the lab around midnight.
  • Currently the entire lab is being powered by a single ComEd station (normally there are two). ComEd now understands what repairs are needed for the other station and are working on that. Repairs should finish sometime tonight, and so the lab is planning a site-wide shutdown at 7 am tomorrow so the switch from 1 to 2 stations can be made. Power should be back by 7:30 am.
  • This means that we'll need to stop whatever run we have going around 6:45 am, and power-off as much of the DAQ as possible. Jon will ask Denis or Andrew to shut down the DAQ nicely (remotely).
  • If all goes well, we'll get beam back sometime tomorrow.

Detector Update

  • We have collected data on only 1 dcm the past couple of days due to "NoiseFest 2" (DAQ electronics experts on site are investigating the noisy TECC issues using FEBs on the first di-block).
  • No more golden APDs have been lost in the last week
  • APD recovery:
    • Mat: Leon wants to run some tests in the CalTech enviromental chamber with different amounts of pressure applied to the o-rings. No further APD installation at NDOS will happen until these tests are complete.
    • Leon reported to Jon that Bill Gilbert was working on adjusting the APD teststand Labview program to allow for long (eg, 24 hour) tests.
    • Mat returns on 15th of August, we will wait to install APDs until after he gets back
  • Trigger timing issues (Peter):
    • Andrew N has spent some time analyzing the 1Hz signal, and we have found that the drifts we observed are related to the accelerator clock drifts. However, there is still an issue with the TDU "wigging out" which probably did cause us to lose some beam data.
    • Andrew will implement a scheme to beat two TDUs together such that if they are found to agree, then it is highly likely that they are both ok. The DAQ will keep track of this.
    • in the meantime, hardware will be investigated.

DCS Update

  • Athans:
    • not much new, the developers have been busy dealing with DAQ issues
    • some improvements to GUI, which now has FEB temperatures and TECC drive-currents, graphs, etc. Values displayed are raw numbers, need to be scaled to something that a human can understand.

DAQ Update

  • nothing major to report.


text:
Girls For Dating Online

Girls meant for dating on the Internet is the most recent fashion. The reason being it’s not hard to use and cheap. However , you need to know what you are doing before going online to find these girls. One critical action to remember is to never be a fool about how you present yourself when you are out and about. Be clean, neat and well dressed. You should appear that you will be serious about assembly new people and get a great sense of humor about the whole thing.

Another idea is to under no circumstances buy into a tale that looks too great to be the case. If you are asked out, make sure you are genuine with the young lady you are interested in. Be sure to tell her exactly what you want. Be sure you include details of where you live, what you are for a living, what your hobbies and interests are and what you own going on. There may be nothing more serious than a guy who might be only interested in the physical side of an girl.

When you do meet a girl, make sure to ask her out first. Tell her that you think she has a fantastic personality. Therefore tell her that you want to get to know her better. In the event that she is open, tell her where you work or perhaps what you do to get a living. Make sure you ask her out in Click the Following Link person and make it a exciting and fun experience. Do not take it like a forced night out, if you are uncertain about a thing, don’t have it for me personally. Have fun!

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Play Power

We know that play is the way a child learns, but fully engaging a child with autism in play isn’t always easy. So learning new techniques and the issues behind this difficulty helped everyone who attended yesterday’s Lecture Series, The Power of Play. Samantha Sawyer took us back to the basics – accessing a child’s attention before moving into building a relationship which only then gives us access to teaching new skills. Then we learned how the brain gets involved – “flight or fight” and sensory issues. And finally she shared with us her five principles of play, redefined “joint attention” and showed us examples of how this looks when playing with children with autism. Many parents and professionals were inspired by Samantha’s transformation from a traditional speech pathologist into a holistic parent coach who helps the whole family play together. And they quickly saw how they too could transform how they play. Play really can open up doors to teaching new skills for kids with autism.

The Five Principles of Play

  1. Join them where they’re at
  2. Create back and forth rhythm
  3. Playful obstruction
  4. Allow child to do the work
  5. Narrate

Don’t miss our next Lecture Series – “When My Autism Gets too Big!” with Kari Dunn Buron

Author: Editorial Team

A select group of our board members who have something to say, but want to say it together. We also use this byline for those who wish to write anonymously.

Thoughts? Post 'em.

Your contributions help Communities Engaging Autism as we adapt to these trying times – innovating with our programming and content to reach parents, families and educators where they are.
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Brooke Candy Announces 2020 SEXORCISM European Tour!

Fresh from her support slot on the US leg of the Charli XCX tour, fierce American rapper Brooke Candy has announced plans for a mini European tour of her own in 2020.

The SEXORCISM Tour, in support of Candy’s debut album of the same name, will see the XXXTC singer play shows in Berlin, Amsterdam, Paris and London throughout February next year.

Announcing the dates on her official Instagram page Brooke wrote: “EUROPE!! I can’t wait to bring you the SEXORCISM mini tour for February 2020. Tickets go on sale for all dates, Friday 1st November at 9am.”

Brooke Candy x SEXORCISM European Tour 2020

Berghain / Panorama Bar, Berlin
February 25th 2020
Get tickets here

3x NYX, Amsterdam
February 26th 2020
Get tickets here

La Boule Noire, Paris
February 27th 2020
Get tickets here

Studio 9294, London
February 29th 2020
Get tickets here

‘Bxxches know NOT to play me’

Fearless, bold, innovative and powerful, Brooke Candy is fast becoming one of the great, idiosyncratic talents of her generation.

An artist rich in talent and firmly in control of the industry moves she makes, 2019 has been quite the year for the California native with the release of monster smashes XXXTC, Drip and FMU, along with provocative, boundary-pushing video clips and fashion-forward visual spreads for the likes of Nylon and EXIT magazines.

Brooke Candy – XXXTC (featuring Charli XCX & Maliibu Miitch) (Official Video)

A confident woman living life on a level others can only dream, we cannot wait to see Brooke Candy on her 2020 SEXORCISM Tour next year, tickets for which are on sale now!

Let us know your thoughts on Brooke Candy, her latest album and upcoming ‘SEXORCISM Tour’ over on Twitter @CelebMix now!

Written by Philip Logan

Twitter & IG: @philip_logan


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Corona Day Quarantine Day #18: Saturday’s are for Sports

Corona Virus Quarantine Day #18: April 4, 2020: Saturday’s are for sports

Today my guest writer is the spunky, sweet and talented Fiona Bell Dorsey.

Today I had waffles and Nutella and fruit it was delicious.  Then I wrote a lot of notes.  I wrote to Grandpa Joe, friends, my teacher, volleyball girls and even Kerri Walsh!  I don’t know Kerri Walsh’s address but I’m pretty sure my mom can get it because they are kinda like friends. Mommy sees her at the Final Four and they hug.  Then we went to the barn for like 4 hours.  I played soccer with Finley.  I scored a lot of goals!  It was really so much fun!  Then I moved my soccer game outside with GiGi and Fletcher and I climbed trees.

Fletcher and I decided that we want to build a tree house.  So we will start on that tomorrow if Daddy lets us nail into a tree. We ate dinner and then did a scavenger hunt.  Tonight I go to be on a zoom call with the Dorsey family.  It was super fun.  I liked getting to see my aunts and uncles, grandma and grandpa and Courtney Claire.  Then we watched the last part of Avatar.  I didn’t like it because I thought it was creepy.

Overall I think corona virus is terrible. I want everyone in the whole world to be healthy.  It has been hard because I can’t see my teacher or my friends and we don’t even get to see our neighbors Scott and Shelly that much…just from long away.  I miss going out with my family and I miss playing sports with friends.  Tonight I am thankful for my family.

Love, Fiona

I do love the weekend so much!  No virtual school or homeschooling so it’s a total win!  However, am I the only person that felt like Wednesday took like 62 hours to be over but today, a Saturday was over in 30 minutes?  Yep…me too.  This day flew by.  It’s crazy.

I know that tomorrow I will have to sit down and do some grading so I tried to enjoy this beautiful day as much as possible.  We played a lot of sports today.  Volleyball, basketball, soccer and pickle ball.  I had to do a little training so I can take on Cooper in the rematch of 2020.  I’m telling you, my odds aren’t good.  He’s so much better than I am.  But the competitive crazy that lives in my soul has to give it another go.  Plus, it’s important for kids to learn how to lose right?  That is if I can beat him.

After hours of playing sports and running outside with the dog we got on a zoom call with Bryan’s Dorsey family members.  A huge shout out to Aunt Mel for organizing and facilitating the call.  She’s a stud!  It was great to see their faces and hear the updates on how they are all doing.  Everyone briefly commented on the hardships of the quarantine but quickly followed it with a “we are blessed to be healthy”.  Fiona was a big fan of the zoom call and wanted to be talking the whole time.  Her favorite comment was definitely to Uncle Rick when she asked him what was on his face.  The answer is the wildest mustache you’ve ever seen (sorry Uncle Rick)…but a small animal could live up in there.  Not good my friend, not good, but I love you anyways!

I’m so grateful for zoom so we can connect with people we love and continue to do our jobs.

Zoom call with the Dorsey’s

Today I am grateful for some precious time spent with my mom.  I am trying to get all of her story in writing because I want to remember it, but also I want our kids to know what an incredible stud she is and how much she has overcome.  That way, if they ever have a hardship they can know that there is nothing that can hold them back from whatever it is they dream to do or be.

Also, I believe her story can help others.  It’s what she’s best at in this world, helping others, so it’s appropriate her story would do that for others.  While I know the majority of these stories it always surprises me how she talks about them with ease, given how traumatic they are.  She’s so strong and I am in awe of her at all times.  She’s legit an Oprah Winfrey special waiting to happen. I’d watch the hell out of that after school special…with a whole box of Kleenex.

So thank you GOD (and Bryan Dorsey…who watched the kids) so I could have an uninterrupted hour with my mom today.

Finally I ended my night in the perfect way by talking to two of my oldest and dearest friends on the phone for just a short while and we plan to do it tomorrow too when another bestie can join us!  Laughter is so good for the soul and these two make me laugh so much. Hold your friendships close during these crazy times friends…they are so critical to getting through this ordeal.  Erin, Laura…love you long time!

So after a day full of playing several sports I love and talking to people I love I’m ready to fall into my bed to do it all over again tomorrow.  And…hopefully beat my 9-year-old son in pickle ball!  Wish me luck, I’ll need it.

Fiona playing soccer with Gi Gi Jingles

I think the letter mommy got in the mail inspired them to write just a few of their own!

Cooper worked so hard today in the gym with Daddy working on his shot!

Fletcher had basketball contests against his friends (real friends who of course weren’t there) and of course “won” them all and then awarded himself with a whole bunch of “trophies” aka whatever junk he found in the barn!  Can I also point out that this kid is living his best life wearing PJ’s all day, everyday!

Stay safe my friends.

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OurTime Reviews – high quality dating sites
OurTime Reviews

OurTime Reviews

Let me waste no further time and get down to business. Do dating apps and mobile dating sites really work? Okay, this is a really silly question but I get it all the time. The answer is a very loud YES! If I could slap you and scream the answer in your ear then I would. To be completely honest, there are plenty of dating apps on the market that exist out there. Are all sites and apps equal or are some known to be considered scams?

Top List: 5 Legit Malaysia Dating Apps & Sites [That Really Work!]

February 20, Summary: Wow, if you want action, check out FuckBookNet! It’s in our 1 spot because we had so many potential hookups messaging us, we couldn’t even keep track.

The best scat dating sites are listed on this page. Find a real scat partner to have shit play with using these top scat sites. The free dating sites are better since most of the profiles in the fee-based sites were placed by non-payers just so they could conduct profile searches.

The answer is on a Ukrainian dating website. Nowadays everyone is online, including the girls. They are usually busy with their jobs so they have to go online to try and find a foreign man. Dating sites are by far the best place to find a hot girlfriend or wife, but how do you know which ones are legitimate? This site is run by the Cupid Media group that we speak so highly about on this site. They have a lot of different sites for different parts of the world and the Ukraine site is one of the best.

There are lots of things that I want to cover about this site so make sure to read until the end of my Ukraine Date review. Click to Sign Up for Free! Lots of people report that they were able to find what they were looking for on this site, including me: You can read my full AnastasiaDate review for more information about what to expect on this site. This is simply unavoidable. However, I can say with confidence that Ukrainedate has by far the best moderation and filtering to keep these types of lowlifes out.

Ease of Use A lot of sites are outdated and hard to navigate.

Is your online Date asking for a Dating pass ID or hookup clearance? READ THIS FIRST!

Completely free dating Flirthut is a free online dating site! If you’re looking for free dating sites, you’ve come to the right place. Flirthut is a completely free dating site that you can use without payment. You can search for people who are looking for love, looking for a relationship, wanting to make new friends or just wanting some fun. Creating an account is quick and easy and you can login with Facebook if you have an account.

 · With an estimated 1, online dating sites in existence, however, it can be hard to sift through all the options and decide which is the best site. Creating online dating profiles helps consumers  › Home › Family and Parenting.

August 16, Summary: Join TS Dating Now! Introduction If you are into transsexual dating, there are tons of options that you can explore nowadays. Unfortunately, not everybody is open to this kind of lifestyle. Some people strongly frown upon people who prefer transsexual dating over the usual type of dating. If you find the transsexual dating scene to be more exciting, there is now a way for you to experience the excitement without having to deal with narrow-minded people.

This is through online transsexual dating sites. Like other dating sites, these transsexual dating sites are made solely for the purpose of getting transsexuals together and hooking them up. There are dozens upon dozens of sites like these out there nowadays but sadly, not every single one of them will be able to cater to your dating needs. One of the best transsexual dating sites today is TSDating.

11 Qualities of Sugar Daddy Websites – Best, Real and Legit Sites to Find and Meet

Register in seconds, verify your account, and you’re ready to get going! Find A Local Single Our in depth search feature will help you find who you desire. We have thousands of members in every city, so if you want it, we got it! Once you find a match, the fun is only getting started!

8 Legit Hookup Sites to Get Laid with Real Women. In fact, when it comes to paid dating sites, we believe this might be the most affordable option out there. Furthermore, signing up and getting your profile up are going to prove to be two of the easiest things about this site. Legit Hookup Sites to Get Laid with Real Women. Author.

December 20, Summary: It’s impossible to find a real profile on this site. After three months, we don’t think we messaged a single real person. This site uses a lot of fake profiles. Read our reviews of BDSM dating sites for the ones that really work. And we mean a lot. It immediately marks this site as sketchy, however, and there should be no surprise if there are more MeetBDSM scams on the horizon. These were e-mails all directed towards women on this site in hopes of chatting them up and hooking up with them at dates later on.

These were e-mails specifically tailored towards their interests, all in hopes of bringing them in and really making them interested in us. Out of those e-mails, only 48 of them were actually replied to. Our MeetBDSM review was made even more disappointing by the fact that not a single one of these women actually wanted to go out on a date with us. This means that none of them would meet us in person, which makes your chances of actually getting a date on this website pretty close to zero.

Review (by ): By Far The Best Affair Dating Website!

Dating is really hard. First you have to find someone with whom you share a mutual attraction, then you have to make sure that you want the same thing in terms of commitment. But the hardest part is meeting someone. As a result, many have turned to online dating sites.

Unfortunately, we did not find sufficient information whether Interracial-dating-sites is safe for children or does not look fraudulent. We would describe it as legit. Casper xie still needs more reviews of their project as there is too little data to define the site’s trustworthiness.

Best fling sites that we tested this year. Why casual sex sites are targeted by scammers The internet is absolutely teeming with online hookup sites and casual sex sites. Legit adult dating sites are big business. When such arrangements end badly, as most relationships do, everyone starts taking sides and friends are divvied up. This happens a lot because two people almost never have the same expectations for a relationship.

The easiest way to handle that is congregate with other like minded individuals who share the same basic philosophy toward relationships at that particular point in their lives. It avoids the stress and broken relationships that occur as a result of nothing more than bad timing and frustrated ambitions. This is why casual dating sites have become so popular. You get all the benefits of sex, with none of the complications.

But, wherever there is money to be made, there are scam artists who try to exploit the industry.

Are There Any Legit Adult Dating Online websites Available?

Are all of them scam? This article will answer the main two questions that men have about online adult dating sites: Are there any legitimate adult dating services or are they all just scam? Can you really get sex as a member of an adult site? I wanted to answer the main question right away. More on this in a moment.

To conclude, Plenty of Fish is a great option for your online dating needs and with its recent acquisition to the biggest dating network on the planet, we predict their pond will continue to

Try EroticAds Free Those are the sites that are not only legit sites, but also GOOD sites, where you can actually find girls who want to hook up with you. Of all the sites we tried, these five were the only ones that we personally enjoy using, and would go back again. As you can see, these sites got us laid. Yes, that seems like a huge amount of emails, but remember that this was from five guys, for three months.

You can see from the chart why we ranked these sites the way we did. The sites at the top resulted in the most total lays for us. We liked the sites, we liked the designs, but most of all, we liked the girls!

Review by

Be prepared for fancy restaurants, shoe shopping, and maybe even some more direct financial support. Download our 5 favorite conversation starters to get immediate response from attractive women. But there are a few elements that sets Established Men apart from other online dating sites. For starters, you have the ability to search for women who are available for dates tonight.

So if you need a last-minute date to that gallery opening or corporate gala, Established Men can hook you up. You have the ability to hide your profile from search results, should you want to protect your privacy.

Yes there are real dating sites that are legit. These dating services DON’T use fake dating profiles or send out fake emails or pay employees to chat with you. We cannot promise you will meet anyone but these are legitimate dating sites that give you the best shot at meeting women.

You should utilize totally different handles in just about every area underneath the identical account also, so no person are any wiser if you want to advertise for one thing in one destination without any ruining your odds for something additional might it come up. We can all guidance preserve every other risk-free by reporting courting scams. It is most positively an whatever goes type of position, so do consider that under consideration when browsing.

Of course, new web pages will debut that could or may not be of advantage. Concentrate on replying to advertisements rather than posting them, ensure that you have a very impressive, the latest and crystal clear photograph within your experience always keep the junk pics to all by yourself for now , and share this picture together using a personalized very first reply — most gals can location a copied and pasted response a mile away.

Continually be wary of the indications of an internet relationship fraud. These recommendations are just for the snapshot in time. You may perhaps be amazed who demonstrates up. Putting up in groups targeted towards your dreams will amp up your probability of looking for an individual impressive, on the other hand be ready to battle through an amazing selection of replies, first of all. Take a peek at your level of competition, and make sure that you are steering clear of all thedating cliches.

The men or women on there both usually do not exist or are trumped up.

11 Legit Best Dating Sites Free

Bowling Green State University professors of gerontology, Dr. Charlie Stelle, have been researching the landscape and found that people over 60 represent the most rapidly growing demographic in online dating. The study authors also delved into the question of which features make a dating site a good fit for seniors.

the only 5 singles dating sites worth joining – these singles dating sites made our “ best sites ” list and are % legit. These are our best sites selected. They are the top singles dating websites

You can read and send emails from this section. You can search for ladies, watch videos of them, see ladies who live in the USA, as well as see who is online right now. In the services you can call women, send them flowers and presents. There is also live chat and cam share available through this section. There is something called “Date A Lady”, where you can fly out and meet the Asian girl in person. You can also arrange romance tours where you fly and meet Asian women in introductions provided by AsianDate.

You can contact customer service through this area.

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Why You Should Eat More Duck Fat

There’s an old saying, “When life gives you ducks, make duck fat.”

This liquid gold is the preferred cooking medium at D’Artagnan, as it is in Southwest France. Way back in 1985, when Ariane founded the company, she knew that duck fat was a product that Americans needed. Even if they didn’t know it themselves yet.

The first and most obvious reason is because it’s incredibly tasty. Duck fat offers a rich, silky mouth feel that transforms whatever it touches, without an overpowering flavor. But make no mistake, it has a flavor all its own. If you haven’t tried potatoes roasted or fried in duck fat … you haven’t lived. This is the stuff our ancestors used before industrialized seed and vegetable oils came along. And we are happy to see that our obsession with duck fat is beginning to catch on.

When cold, duck fat is solid.  It goes back to liquid at warmer temperatures.

Chefs love it because of the high smoke point; duck fat can be cooked at high temperatures without smoking or altering its flavor. And unlike butter or olive oil, duck fat can be recycled. For convenience, duck fat stores in the freezer for quite a long time. So be sure to keep a tub at all times, and be ready for any duck fat emergency.

Duck Fat and Health

Before you object to duck fat as an unhealthy option, and reach for the margarine or vegetable oil, read on. According to Sharon Tyler Herbst, author of “The New Food Lover’s Companion,” some researchers believe that hydrogenated oils may actually be more damaging than regular saturated fats. The founding studies on saturated fat have been questioned a lot in recent years. In 2002 Gary Taubes investigated in a New York Times article, “What if It’s All Been a Big Fat Lie?” And Time magazine ran a cover story in 2014, “Eat Butter: Scientists labeled fat the enemy. Why they were wrong.” Even Prevention magazine is getting on the fat is good for you train.

time mag on fats

So the second reason you should eat more duck fat is because it’s actually good for you. With one simple ingredient: the fat rendered from a duck, this is fat as it should be. Duck fat contains 33% saturated fat and 62% unsaturated fat, 13.7% of which is polyunsaturated fat, containing Omega-6 and Omega-3 essential fatty acids. This makes it comparable in ratio to olive oil, with 75% monounsaturated fat, 13% saturated fat, 10% Omega-6 and 2% Omega-3.

While this is not a recommendation that duck fat replace every other fat or oil in the kitchen, it certainly does encourage the use of duck fat without guilt.

The French Paradox

Long a mystery to the United States, the French paradox is the term given to the puzzling fact that the French are thinner, with a lower incidence of cardiovascular disease than Americans, even though they enjoy a diet full of animal fats, cheese, and butter. Some theorize that the reasons for this might include the French tendency to serve smaller portions and to drink lots of antioxidant-rich red wine. But in recent years, the researchers have looked more closely at the consumption of duck fat. Especially in the Southwest region of France, where duck is the de rigueur fat, and the incidence of cardiovascular disease is about half that of the rest of France, already less than half that of the United States.

So the French, who eat the most duck fat (and foie gras), have the least trouble with their tickers. This is old news in Gascony, the land of duck and foie gras, as this 1991 article about the studies of a French scientist in the New York Times explains.

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CM Movie Night Coming in Feb.

Parents – the PTO sponsored MOVIE NIGHT is coming Feb. 19th!

Doors Open:  5:30 PM

Start Time:  6:15 PM

There will be plenty of food and drink to purchase at affordable prices!  Students may come dressed in PJs. Please feel free to bring comfy chairs and/or blankets so you can enjoy the movie while on the CM gym floor.

Click on the link below for more information!


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Race for Education Update

We have raised $5650 of our $15,000 Race for Education goal so far! Race for Education is approaching quickly on October 4th so make sure you send out your mailer if you haven’t yet. There is a brand new incentive being sent home Friday with students also so make sure to look for that!

Go to http://www.race4ed.com/cme to donate or find your students personalized website!


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Difficulty in Buying Gold Coins Or Gold Bars

Gold can be said as one of the valuable metals that are extremely helpful for investment reason in the present market. It’s cost is expanding step by step and thus individuals from a few pieces of the world have begun investing which gives benefit comparative like benefits on offers just as debentures in the stock trade advertise. Individuals who have no learning on selling or buying will be a troublesome errand to realize how to buy gold coins. It’s cost increments when the estimation of cash diminishes.

Individuals who are new to gold investment will venture back reasoning that they ought to invest additional cash for pressing, refining, creating and moving and so forth. This is completely truth when it is contrasted and gold bars. Investing in these bars requires some uncommon consideration like stockpiling, moving it to the putting away spot and so on. Along these lines, these kinds of highlights are conceivable just by money related foundations or banks or some other government modes.

Buy Gold Coins or Bars?

Then again, investors can feel good in investing cash on coins instead of in gold bars. Coins doesn’t require additional consideration like vehicle, stockpiling dangers and so on. It isn’t important to store it for longer days. They can be sold again in the following day by simply checking with the market cost. Be that as it may, it is essential to think about how to buy gold. Coming up next are the procedure for buying tips and these means will be useful when you buy gold coins.

Realizing which sort of coins to buy. There are a few sorts of coins and thinking about the kinds of gold will be the first step. Standard bullion coins like emirates gold, silver dirham, American gold bird and so on are a portion of the sorts. Attempt to think about the sorts and afterward plan in like manner.

Anticipating stockpiling

Gold coin investment is done so as to get benefit by exchanging it when the cost increments. Along these lines, up to that point stockpiling is significant. Any supervision program like bank storage office or home storage can be the viable route for putting away gold until the interest increments.

Finding the best arrangement for buying

You can buy gold coins from numerous ways. Attempt to choose best arrangement or hot spot for buying. For example, government sells with assurance, virtue just as weight. Thus, it is constantly prescribed in buying from government. Then again, you can buy from private firm that manages gold (buying just as selling)

Go for selling during the interest time: Always have a look with day by day market rates. As referenced before, esteem increments if money worth drops. Along these lines, it is important to have a look with dollar rate also. The minute when request builds, it is the perfect time for offering the gold so as to get benefit.


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CFE offers the best service to its members, facilitating the added value needed to increase their competitiveness and productivity. You can get more information about these and other services by contacting CFE.

  • Dialogue with the European institutions. Bringing the voice of companies to European institutions is one of our premises. CFE wants to know the whole problematic of its members to transmit it as your interlocutor to representatives of the European Commission. From the organisms that CFE is member, UEAPME, CEN and Fashion working Group, we are continuously being asked opinion on topics relevant to companies in our sector as stakeholders, to perform new regulations.
  • Sectorial Information. Market studies within the EU and foreign countries, about regulation and other relevant topics.
  • Databases. Large databases that include all relevant members of the sector and that are created in response to interests of the members of the association.
  • Partnerships. We perform agreements with agents from outside the partnership to benefit members of the association with special rates and services.
  • Training. Specific courses for the benefit of members of the sector. These courses are the result of CFE projects that have departed from identified needs.
  • Promotion. Inclusion in our social networks and usual means of promotion and organizing catwalks in major trade fairs and special prices to participate in them.
  • EU subsidies. Participation in European projects of interest for members of the association and advice about management of grants to those interested members.
  • Network of Europen collaboration. Contact between associations and relevant members of the sector in Europe to improve the competitive position against foreign competition.


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Millennial Fever | What do they want?

a mrc

I just gave a guest lecture about triple bottom line business practices to an MBA class studying sustainability at the University of Southern Maine, those coveted Millennials whose generation is shaping business and culture.

Everyone’s talking about Millennials (born roughly between 1980-2000). Any Google news search will uncover a litany of headlines about their influence:

Millennials, money and marriage
Millennials’ bad habits: Coffee, burgers and booze
Millennials are very conservative investors
Millennials travel more and prefer private accommodations
Sneakernomics: How Golf Lost The Millennials
Future of electric utilities may be changing if Millennials have their say

Research shows this generation not only cares about corporate responsibility, they are its leading workplace practitioners and its discriminating consumers. According to a recent Deloitte survey, 78% of business leaders (probably more Generation X) rate retention and engagement of Millennials as urgent or important.

My small sample of Millennial MBA candidates are representative of this finding. They believe that business has fundamental responsibilities to multiple stakeholders with an emphasis on employees and the environment – and that authenticity is paramount. They support employee volunteerism and cause marketing, but see through attempts to white wash company shortcomings and challenges.

They embrace purpose-driven companies. They see small, sustainable upstarts as a path to change the way business is conducted, not as a competitor to the traditional model, but as a target for impact investing, as a candidate to be acquired by the larger traditional enterprise.

That’s one of their demonstrations of doing well by doing good. Of course we can’t make blanket stereotypes. Indeed for every millennial waiting to get married you can find a young bride and groom, and while one is hung over while another is blending a kale smoothie. But there is cause for optimism that tomorrow’s leaders are here and ready to step up and see the workplace as a vehicle to make a positive social impact.

About christengraham

President of Giving Strong, Inc. Christen advises businesses, foundations and families for how to make a greater social impact.


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make teeth brighter thanks to iBright? Is that really that easy? Those affected speak of triumphs

If we trust the many experiences that are currently emerging, many enthusiasts manage to iBright their teeth when using iBright. No wonder iBright increasingly popular.

iBright prove the claim that iBright should be able to help many people. But does it really work? In the experiential report, the potential customer learns everything about the effect, application and imaginable results.

What do you have to iBright informed about iBright?

The manufacturing company manufactures iBright its teeth. Depending on what your wishes are, the remedy will either be needed for a long period of time or even occasionally. Given the diversity of user experiences, the unanimous conclusion is that this funding for this project outstrips any alternative method.

So now we want to iBright all the crucial details about iBright.

It is proven that you get the most effective and proven preparation, especially since this impresses with the compatible, natural composition.

The product is based on the years of practical experience of the provider in the context of this area. You could use that practical experience to speed up your project.

With iBright, the company therefore produces a product that is primarily used to solve the problem of teeth whitening.

This product was developed especially for this purpose - an absolute rarity, where experience has shown that the more recent products at the same time comprise several problem areas, since this appears more appealing in the advertising text.

The result of this is that the active ingredients are used very little or not at all, which is why such articles are pointless. This obviously makes it better than Provestra.

iBright is available in the e-shop of the manufacturing company, which sends free of charge, fast, unobtrusive and unproblematic.

Which ingredients are particularly interesting in iBright?

If you iBright closer look at the ingredients of iBright, three representatives are particularly striking:

It is confirmed that in no case only the type of ingredients is decisive for the effect, but also by the level of each dose.

In the case of the product, the manufacturer advantageously builds on a vigorous dosage of each ingredient, which according to research promises particular advances in teeth whitening.

The great advantages of iBright obvious:

  • questionable medical methods are bypassed
  • iBright is not a classic drug, therefore well tolerated and at the same time companion- iBright
  • You avoid going to the pharmacy & the shameful conversation about a tooth whitening prescription
  • Means that help with teeth whitening are usually only with prescription to buy - iBright you can buy simple & cheap on the Internet
  • Packaging and consignors are discreet and meaningless - you buy accordingly on the Internet & it remains a secret, what you buy there exactly

How do men react to iBright?

For a much deeper understanding of how iBright really works, iBright a look at the study iBright regarding the constituents helps.

Practically, we have implemented this for you in advance. So let's take a look at the manufacturer's information on efficacy before looking at patient experiences.

In this way, at least these reviews are the hopeful users of iBright

What speaks for iBright and what against it?

  • no cheap offer
  • best results with daily use
  • no immediate solution

  • fast delivery
  • no delivery costs
  • discreet mailing
  • Very secure online order
  • no prescription
  • neutral packaging
  • usable on trips
  • fair discounts

You certainly think: Are there side effects?

Due to this composition of innocuous natural substances, iBright can be purchased without a prescription.

Both the producer as well as reports and reviews on the Internet are right: iBright caused in the application no unpleasant side effects..

That sufficient guarantee exists only as long as you follow disciplined recommendations for use, because the product is very pronounced.

My suggestion is that you only buy the product from the original producer, as there are always serious duplicates of questionable ingredients. If you follow the link in the following article, you will come to the producer's webpage that you can rely on.

In these cases, avoid the use of this remedy:

That's not difficult at all:

You have doubts that you might be strong enough to use this method regularly? If that applies to you, you can leave it alone. In the event that you should not be grown up, you should not use the remedy.

temporary offer

Try iBright Now
best offer
next day delivery

You are not willing to invest in your physical state of health, even because you are not so interested in making your teeth brighter? Under these circumstances, let it be better.

I suspect that you will not find yourself in the designated points under any circumstances. You are inclined to make your problem and also something for this cause. It's time to solve your cause!

One thing is clear: iBright could in all likelihood be of great help to you!

Some facts about the use of the product

iBright hardly takes up any space and is discreetly carried to any place. So in the end, it's useless to mess around with referral or advance plans before you've checked the merchandise yourself.

Can one see progress now?

Many consumers say that you have seen tremendous improvement from the very first use. It is therefore not uncommon that already after a few weeks already successful experiences can be celebrated. This explicitly differentiates this article from other articles such as Provillus For Women.

In the experiment, the product has often been assigned a high effect by users, who initially only exist for a short time. With permanent use, the results are confirmed, so that even after the end of use, the consequences are persistent.

Users are so enthusiastic about the drug that even after a few years, they even take it for a couple of months.

It makes sense, therefore, although isolated reports claim the opposite, persistence and apply the product at least for a few months. In addition, please refer to our help section for further information.

Reports from consumers about iBright

To say beyond any doubt that a iBright like iBright the desired results, it iBright an eye out for social media experiences and strangers reviews. Studies can rarely be consulted because they are extremely costly and mostly include only pharmaceuticals.

By examining all the statements of those affected, direct comparisons and reviews, I was able to determine this selection of successes with iBright :

As expected, it handles low-scoring ratings and iBright can strike at different levels for each one. However, as a whole, the results are remarkable and I dare say the result will be very satisfactory for you as well.

We can report that you as a user of that product are happy about this without hesitation:

Interested parties should give the means a chance, I'm sure.

When an offer works as convincingly as iBright, it is often taken off the market a little later, as natural products are not iBright by some manufacturers. If you want to try it, you should not wait too long.

Our opinion: iBright at the linked source and give it a chance, while the remedy can still be purchased inexpensively and in compliance with the law.

If you have insufficient persistence to complete the program completely, do not even try it. After all, this is the key success factor: Wholly or not at all. Yet, it seems very likely that you could gather enough motivation with your request, and this helps you to make constant changes with the help of the product.

Be sure to read before ordering for this agent

Too risky would be the decision to use dubious third-party providers instead of the original manufacturer side of this remedy.

There is a high probability that they will turn you on wrong preparations, which are probably ineffective and usually destroy the organs. Black Mask  itself may be a test. Likewise, those affected are made hot with great promises that ultimately turn out to be lies and deceit.

In case you want to tackle your problems risk-free, order from an authenticated seller.

With this provider you will find the lowest offer prices for the original product, the best customer service as well as fast deliveries.

The following steps explain the optimal strategy for purchasing iBright :

You should avoid dealing with irresponsible clicks in the network - use the link in the test report. We do our best to always monitor the links that are guaranteed that you are really ordering for the best cost as well as optimal delivery conditions.

Our team found the best source for iBright here:


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SILH (7) A Penultimate Tale

“And it’s so hard to change
Can’t seem to settle down
But the dreams I’ve seen lately keep on turning out
And burning out and turning out the same.”

Take It To The Limit.  The Eagles. 1975.

So, there we were embedded in a place called Mogan, Gran Canaria. The Spearfishing was going to be excellent and after arduous discussions, the chief of police allowed us to dive and fish on condition we sold our catch to one particular restaurant. We found out later the restaurant was owned by his brother 🙂

Mudguts and I utterly failed to comply to ‘normal’ standards. We drank too much , we once tried to steal some cigarettes and got caught, the first and last time I tried to steal anything. We got into constant fights with our American cousins, usually over girls. They were camping along the coast and in the early hours of a moonlit December morning the feud culminated when we scaled the cliff above their camp, collected ammunition and bombed their campsite with rocks. They say the higher ground gives you an advantage, what they don’t say is that if you are outnumbered you really don’t want to be stuck on the top of a cliff. Luckily we were fitter than they were and managed to escape with a few bruises. They were so disgruntled at having been woken in the middle of the night and bombed with rocks  that they reported the incident to the local police. This entailed a visit and warning from our friendly chief of police. We made a pact to turn over a new leaf. We concentrated on diving and training, which basically meant diving all day, running up and down a mountain every night and then washing in the sea. But I was good for a while 🙂

There was a local girl who I adored and one night we stayed out past her curfew, terrified of going home late, I came up with a plan. I broke into a cabin cruiser and we spent the night there. I don’t know if you have ever met an irate Spanish father? Can I just say that I managed to survive with the intervention of The Master, but I never saw her again, ‘c’est la vie’ was becoming my catch phrase. A Dutch guy in a neighbouring camper accused us of stealing his cushions and syphoning his petrol. At least this time we were innocent but our local police chief spoke to The Master and Mudgut’s brother, John, and once again we were reprimanded. The Master warned us what to expect if we crossed the Guardia Seville. I explained that Franco was gone and if arrested I would demand to see the British Consul. I had no idea that I would come to regret those words and that somewhere in the future our reputation would come back to haunt us. 🙂

About charliecountryboy

Part-time Carpentry Assessor. writer, runner, guitarist. Curious about life and all those wonderful people in it.
This entry was posted in 1970'S, Humour, Life, Relationships, Travel and tagged , , , , , , , . Bookmark the permalink.

13 Responses to SILH (7) A Penultimate Tale

  1. Gene Molloy says:

    Shazzam, back when you were 18 it appears that you and Ginger Baker were from the same tribe. Nice cut, Charlie.

  2. Nice story. Very enjoyable.

    Liked by 1 person

  3. cdrslan says:

    That was a cool little journey. Thanks for sharing.

    Liked by 1 person

  4. Carolyn Page says:

    I’m imagining that young boys/men still get up to this mischief these days! Heaven help them… 🙂 🙂 🙂
    I’m now primed for the future event. You certainly sailed close to the wind; but, hey, you made it through… Or, did you?

    Liked by 1 person

  5. Pingback: SILH (8) Desparate Finale | Charliecountryboy's Blog

  6. I’m reading the blog back to front, so I know karma is about to step in. 🙂

    Liked by 1 person

  7. Pingback: SILH (10) Lets Join the Foreign Legion (Part 2) | Charliecountryboy's Blog

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