Translate Company http://translatecompany.pl/ Thu, 19 May 2022 15:31:17 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://translatecompany.pl/wp-content/uploads/2021/03/default-70x70.png Translate Company http://translatecompany.pl/ 32 32 Smart Bail Reform Will Strengthen Public Safety in Ohio » Research » The Buckeye Institute https://translatecompany.pl/smart-bail-reform-will-strengthen-public-safety-in-ohio-research-the-buckeye-institute/ Thu, 19 May 2022 15:26:23 +0000 https://translatecompany.pl/smart-bail-reform-will-strengthen-public-safety-in-ohio-research-the-buckeye-institute/

The Buckeye Institute: Smart Bail Reform Will Strengthen Public Safety in Ohio



May 19, 2022

Columbus, Ohio – On Thursday, The Buckeye Institute testified (see full text below or download a pdf) before the Ohio House Criminal Justice Committee on the policies of House Bill 315, which “would help Ohio fix a broken cash bail system and take important steps to protect the public from violent offenders”.

In his testimony, Alan B. Smith, criminal justice researcher at the Buckeye Institute, gave examples that tragically demonstrate that “[c]the ash bond does not provide adequate public safety” and that “[u]Repentant perpetrators released on bail still pose serious risks to the community because the bail paid is insufficient to deter the crime.

  • Dragan Sekulic paid a slave $10,000 on bail – 10% of his $100,000 bail – and murdered his ex-wife two weeks later.
  • Lonnell Anderson posted $400 bond for a weapons possession charge, jumped a patio fence at a crowded Cincinnati-area bar and shot Derek Smith in the back of the head.
  • In Wisconsin, Darrell Brooks, Jr. was free on $1,000 bond despite his lengthy criminal record and drove his SUV through a Christmas parade, killing six people, including a child.

While noting that “[c]our cash bail did not prevent these murders,” Smith pointed out, that House Bill 315 avoids the mistakes made by New York and “offers a more responsible approach” to bail reform that: 1 ) Maintains remand hearings for those charged with serious crimes; 2) rightly expands the list of offenses punishable by remand; and 3) Allows judges to order mental health assessments in cases involving the threatened with harassment or violation of a protection order.

In conclusion, Smith urged lawmakers to enact “[r]responsible bail reform” that would “improve Ohio’s pretrial criminal justice system by maintaining adequate protection for public safety, improving fairness among economic classes, and reducing unnecessary costs to taxpayers” .

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Smart Bail Reform Will Strengthen Public Safety

Testimony of the interested party
Ohio House Criminal Justice Committee
House Bill 315

Alan B. Smith
Criminal Justice Fellow
The Buckeye Institute
May 19, 2022

As prepared for delivery

Thank you, President LaRe, Vice President Swearingen, Ranking Member Leland, and committee members, for the opportunity to testify regarding Bill 315.

My name is Alan Smith. I’m a criminal justice researcher at the Buckeye Institute, an independent research and teaching institution—a think tank—whose mission is to advance free-market public policy in the states.

House Bill 315 will help Ohio fix a broken cash bond system and take important steps to protect the public from violent offenders. Cash bail alone does not provide the public safety that many proponents assume, but too many recent bail reform efforts across the country have taken a singular view of reform, often eliminating the surety systems without maintaining adequate public protection.

Cash bail does not provide adequate public safety, as a defendant’s financial means to post bail is not a good indicator of good behavior. People charged with violent offenses, for example, should not be released after arrest just because they or someone they know can post bail. Unrepentant perpetrators released on bail always pose serious risks to the community because the bail paid is insufficient to deter the crime.

Several recent and tragic examples illustrate this point.

Dragan Sekulic from Canton was arrested after he attacked and unsuccessfully tried to kill his ex-wife with his car. Sekulic paid a bonded slave $10,000 – 10% of his $100,000 bond – and was released. Sekulic tracked down, found and murdered his ex-wife two weeks later.

Lonnell Anderson posted $400 bond for a weapons possession charge. He then jumped a patio fence at a crowded Cincinnati-area bar, walked up behind Derek Smith — a man with no established relationship to Anderson — and shot him in the back of the neck. The crime, if not the victim, could have been reasonably foreseen.

In Wisconsin last year, Darrell Brooks, Jr. was free on $1,000 bail despite his lengthy criminal record. He made national headlines when he tragically drove his SUV through a Christmas parade, killing six people, including a child.

Court-ordered cash bail did not prevent these killings. But careful remand systems might be.

Unfortunately, bail reform has been pursued in some states with little concern for public safety. New York, for example, does not allow its judges to directly consider public safety when ordering bail, release conditions, or pretrial detention. Significantly reducing the remand population in New York became an urgent need after the city council vote in October 2019 to close the city’s 11 jails and build four smaller ones closer to the criminal courts by 2026. The council order will reduce current jail capacity from an average of 7,300 a day to around 3 300 per day. New York afterwards enacted a law which eliminated remand and bail for a estimated at 90 percent criminal offences, with the exception of most violent crimes. New York State has done “everything” on probation and now generally prohibits monetary obligations for most non-violent misdemeanors and crimes.

According to the New York Criminal Justice Agency, although the number of offenders released before trial has remained relatively stable thanks to the latest legislative change, the number of people re-arrested for violent crimes double from 2019 to 2021. Shootings increased in New York by 260% and murders by 60% between the summer of 2019 and the summer of 2020. Debates and controversies naturally ensued, and the new mayor of New York is now ask that some discretion be restored so that the courts can take into account the danger offenders pose to the community if released before trial.

Fortunately, House Bill 315 avoids the New York error and offers a more responsible approach.

This legislation recognizes that judicial and police resources are limited and that these limited government resources should be used to prevent serious crimes and to apprehend those who commit them. House Bill 315 not only maintains remand hearings for those charged with serious crimes, it rightly expands the list of offenses eligible for remand, including domestic violence, breach of restraining orders protection, manslaughter, reckless homicide, aggravated vehicle homicide, assault while driving a vehicle, aggravated assault, aggravated threats, sexual conduct with a minor and commercial sexual exploitation of a minor. These legal and prosecutorial tools recognize the serious threat that those accused of such crimes can pose to the public.

House Bill 315 also allows judges to order mental health assessments in cases involving threats by stalking or breaching a protective order. After such an assessment and hearing, remand may then be imposed in the interest of public safety or out of concern for individual victims.

While avoiding recent New York mistakes, House Bill 315 recognizes that nonviolent offenders charged with minor, nonviolent crimes should not be detained simply because they and their families cannot post bail. He acknowledges that it is costly for the government to keep individuals charged with minor, non-violent offenses, many of whom will not be convicted or will ultimately have their cases dismissed. But to its credit, House Bill 315 also proves to be consistent with to research and extensive anecdotal evidence showing defendants plead guilty to charges simply to avoid losing their jobs, homes, or custody of their children while awaiting trial. In Harris County, Texas, for example, home to America’s fourth-largest city Houston, the tort roll is in federal court. decree of consent and is subject to extensive monitoring and reporting. the estimated cost for remand defendants is about 10 times the estimated cost to the government, which excludes social pathologies that carry over into employment, housing, and long-term earning potential.

Responsible bail reform will improve Ohio’s pretrial criminal justice system by maintaining adequate protection for public safety, improving fairness among economic classes, and reducing unnecessary costs for taxpayers. House Bill 315 makes commendable progress toward each of these improvements.

Thank you for your time and attention. I would be happy to answer any questions the committee may have.

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Man Utd transfer news: Ten Hag can make five game-changing signings on £200m budget | Soccer | sport https://translatecompany.pl/man-utd-transfer-news-ten-hag-can-make-five-game-changing-signings-on-200m-budget-soccer-sport/ Wed, 18 May 2022 11:30:00 +0000 https://translatecompany.pl/man-utd-transfer-news-ten-hag-can-make-five-game-changing-signings-on-200m-budget-soccer-sport/

Erik ten Hag could have up to £200million to spend on new Manchester United signings this summer and should the Dutchman receive that kind of money to overhaul his underwhelming squad, United’s transfer priorities should be clear. The 52-year-old innovative tactician, who is now in the UK working on his plans for the new season, is expected to be told his final budget in due course, although he has already discussed buying power with chefs from United during the lengthy interview process. .

The Manchester Evening News suggests United’s budget could range from £20m to £200m – but with many players leaving an excessive figure is expected given that up to £50m will be saved on wages .

Ten Hag will also be free to raise additional funds through player sales by offloading those he doesn’t want to rely on for the new campaign.

Yet shopping in a bloated market, where sales clubs continually seek to take advantage of desperate buyers, isn’t as simple as it so often seems.

With United scrambling to fill several gaps in their squad, they must use their money wisely or risk falling even further behind the top tier.

READ MORE: Erik ten Hag snubs Ajax’s end-of-season trip as ‘there’s a lot to do’ at Manchester United

A centre-forward is also one of United’s priorities with Benfica striker Darwin Nunez topping the list. The prolific Uruguayan has already enchanted United scouts, who have watched him more than 15 times this season.

A deal for Nunez could cost north of £67m, however, David Ornstein of The Athletic has since reported that £51m could be enough to secure a deal on the line.

Although United cannot offer Nunez Champions League football, their status and history still sees them recognized as one of the greatest clubs in world football – something that would help them sell to the player.

Nunez fits the bill of Ten Hag, who is said to be ‘in love’ with the 22-year-old and he would be the perfect new face for United’s new project.

Stuttgart’s 6ft 7′ target man Sasa Kalajdzic could also be worth exploring, with United reportedly making an inquiry for the 24-year-old, who is also of interest to Bayern Munich.

The Austrian hitman, who would help bolster the squad’s depth ahead of another grueling Europa League campaign, is up for grabs for just £16m this summer – provided he doesn’t sign an extension. contract with Stuttgart.

Much like Kalajdzic, Yves Bissouma is also out of contract in 2023 meaning Brighton will be forced to consider an unwanted sale in the coming months.

The Seagulls don’t want to lose the Mali international on a free transfer, but with contract talks dead in the water, it’s accepted Bissouma may have to move on.

He ticks all the right boxes for United, who were desperately short of a midfielder of his ilk and £20million could be enough to secure a deal.

This kind of money for a player of the quality of Bissouma is obvious. He would immediately improve their lackluster midfield and only improve with age after four seasons in the Premier League.

Besides, it would also help save a significant percentage of United’s budget for a serious bid to sign Frenkie de Jong from Barcelona.

While the Catalan giants are keen on keeping the Dutchman, they would be hard-pressed to resist a substantial offer from United which offers them a chance to recoup the £65million paid to Ajax in 2019.

De Jong would prefer to stay at Barcelona but there’s every chance he’ll be tempted by a reunion with former boss Ten Hag, who would put him at the center of his new project.

It remains unclear whether United will receive more than £200m to spend, but these five game-changing additions would bring them much closer to where they need to be.

There would still be areas needing investment – including full-back and away – but United currently have enough depth to survive, particularly if Ten Hag can get the most out of the current squad and the players who will stay. at Old Trafford.

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Conforming loans versus jumbo loans: How to get lower mortgage rates for larger loans https://translatecompany.pl/conforming-loans-versus-jumbo-loans-how-to-get-lower-mortgage-rates-for-larger-loans/ Mon, 16 May 2022 18:48:46 +0000 https://translatecompany.pl/conforming-loans-versus-jumbo-loans-how-to-get-lower-mortgage-rates-for-larger-loans/ SAN FRANCISCO (KGO) — There’s a clear line when it comes to mortgage origination that you need to understand: There are conforming loans — those are loans that have a cap of about $650,000 — and jumbo loans, which are any amount higher.

Typically, jumbo mortgages have an interest rate about half a percent more than a conforming loan, but not now. If you know where to look, jumbos are on sale.

Joanna DeCelles just bought her dream home.

“I’ve been really, really lucky, I’m really grateful,” she told 7 On Your Side.

Her son Zane makes the house his own by throwing perfect cannonballs in the pool.

DeCelles found the right home, but finding the right mortgage wasn’t easy.

“Well, I’m a full-time mom,” she says, “so I don’t work and generally you have to have a job to have a mortgage, so that was a huge, huge problem.”

She says her first loan officer didn’t get her a mortgage, then she teamed up with Solidify Mortgage Advisors and got a loan.

Now, Solidify is sharing information about a weird quirk in the market, an open secret in the mortgage community, that could help you pay less on your mortgage.

7 On Your Side, co-owner Dusty Broderick asked about a deal: “If you want to save money, do you take out a bigger loan?”

Broderick replied, “Yes, and that’s ironic.”

According to Broderick, banks are offering lower interest rates to larger borrowers.

He explains the math: “If you have a loan amount under $647,200, your interest rate is probably around five and a half. If it’s even $1 over that, you might be looking at four and a half right now, believe it or not.”

Well, two things to note. First, it’s generally the banks that make these low jumbo loan offers. Second, if you are considering a conforming loan, consider buying a more expensive home or paying a lower down payment.

“Anecdotally, I’ve seen some banks say, ‘Hey, just make the loan amount to $647,201,'” Broderick tells 7 On Your Side, “and we can give you a lower interest rate.”

So spending just one more dollar could save you tens of thousands of dollars over the life of the loan. This is unlikely to last forever. So if you’re looking for a mortgage now, do like Zane and just jump in!

Check out more stories and videos from Michael Finney and 7 On Your Side.

Have a question for Michael and the 7 On Your Side team? Fill out the form HERE!
The 7OYS Consumer Helpline is a free consumer dispute resolution service in the San Francisco Bay Area. We assist individuals with consumer-related issues; We cannot assist with business-to-business cases or cases involving family law, criminal matters, landlord-tenant disputes, employment or medical issues. Please read our FAQ here. As part of our process of helping you, it is necessary for us to get in touch with the company/agency you are writing about. If you do not want us to contact you please let us know immediately as this will affect our ability to handle your case. Due to the high volume of emails we receive, it may take 3-5 business days for you to receive a reply.

Copyright © 2022 KGO-TV. All rights reserved.

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This Week in Congress: Abusive Bill, Climate Negotiations, Ukraine https://translatecompany.pl/this-week-in-congress-abusive-bill-climate-negotiations-ukraine/ Mon, 16 May 2022 10:17:00 +0000 https://translatecompany.pl/this-week-in-congress-abusive-bill-climate-negotiations-ukraine/

House Democrats will pass legislation this week to clamp down on alleged price hikes by oil and gas companies, as broader talks on a fundamental energy and climate package continue in the back rooms of the Senate.

It’s another breakthrough week for Democrats as they try to deliver on the Biden administration’s climate promises while addressing the immediate pain their constituents are feeling at the gas pump. Time is running out, with the Memorial Day suspension beginning late next week and a crucial midterm election on the horizon.

All eyes will continue to be on Senate Energy and Natural Resources Chairman Joe Manchin (DW.Va.), who led recent negotiations among a bipartisan group of senators on a climate package and energy. The outlook and details of a new deal remain unclear, with negotiators postponing a meeting last week.

“First step” on gasoline prices

Rep. Kim Schrier (D-Wash.) is sponsoring legislation to combat price gouging. | Francis Chung/E&E News

House Democrats will approve legislation they say will fix high gas prices. HR 7688, Reps. Kim Schrier (D-Wash.) and Katie Porter (D-Calif.), Would give the Federal Trade Commission expanded authority to prosecute energy companies that charge excessive or predatory prices for consumers and household fuel (Daily O&M, May 12).

“We need to have a bright light on transparency about how companies are making big profits at the expense of … the consumer,” Speaker Nancy Pelosi (D-Calif.) said yesterday on ‘This Week’. ‘ABC.

Senate Commerce Chair Maria Cantwell (D-Wash.) and Finance Chair Ron Wyden (D-Ore.) released their own bill, S. 4217, last week to create a unit of dedicated oversight within the FTC to prosecute bad actors. Senate Majority Leader Chuck Schumer (DN.Y.) promised a floor vote on the bill (E&E News PMMay 13).

But several Democratic lawmakers have stressed that more needs to be done than expand the powers of the FTC, an agency that can take months to issue enforcement rulings.

“The FTC is fine, but we need to do a lot more than that,” said Rep. Ro Khanna (D-California), chairman of the House Oversight and Reform Subcommittee on the Environment, adding that he supported an exceptional tax on the profits of energy companies. .

Rep. Scott Peters (D-California), a member of the House Energy and Commerce Committee and leader of the moderate NDP coalition, last week called the House FTC bill “a good first step.” However, he said, ongoing supply chain issues are a major factor in the high prices and may not be easily addressed by Congress in the near term.

Peters said a targeted gas tax rebate for consumers, another idea popular with progressive Democrats, could have unintended consequences like triggering inflation.

“I think we should keep in mind that it’s going to be a while before we get out of this,” he added.

The House Rules Committee will meet today to set the parameters for debate on the scam bill. Republicans are poised to use this week’s ground action to rally against the Biden administration’s energy policies as the main culprit for high energy prices.

“The Democrats’ attempt to blame President Biden’s energy crisis by labeling it ‘price gouging’ or blaming Putin will not work. The American people see through that excuse,” Rep. Cathy McMorris Rodgers (R-Wash.) said last week after the administration canceled planned offshore lease sales due to legal issues and a lack of support. ‘interest (thread of energyMay 12).

Rep. Garret Graves (R-La.) said, “The Biden administration’s announcement that it will cancel new offshore oil and gas production is approaching levels of irresponsibility and reckless stupidity never seen before.”

The outlook for both bills is bleak in the equally divided Senate, where the GOP is expected to unite against them.

Oil and gas companies have denied allegations of price hikes, including at an energy and trade hearing last month (green wireApril 6).

“We don’t control the market price of crude oil or natural gas, or refined products like gasoline and diesel fuel, and we have no tolerance for price gouging,” the Chevron Corp CEO said. ., Michael Wirth, at the panel.

Climate, energy talks

Manchin could lead a fourth meeting among a gang of bipartisan lawmakers as early as this week in hopes of hammering out a broad energy agenda. The group was supposed to meet last week, but the rally was postponed due to scheduling issues.

The viability of reaching a deal still remains uncertain, and as we approach the midpoints, anger among progressives resurfaces over the lack of fundamental climate policy, even as Democrats control Congress and the White House.

Sen. Bernie Sanders (I-Vt.) blamed Manchin and Arizona Democrat Kyrsten Sinema. “You have two members of the Senate, Senator Manchin and Senator Sinema, who sabotaged what the president is fighting for,” Sanders said on NBC’s “Meet the Press.”

Manchin killed the “Build Back Better” package in December, but said he remained open to a new, tighter climate and energy deal. Sinema has not participated in bipartisan climate meetings after expressing reservations about “BBB”.

Discussions so far have focused on clean energy tax incentives, permitting reform, a carbon trading tax and promoting domestic production. Manchin said earlier this month that a methane tax could be in play, but Republicans rejected that idea (Daily O&MMay 6).

Ukraine helps with energy and mining silver

Sen. Rand Paul (R-Ky.).
Sen. Rand Paul (R-Ky.). | Francis Chung/E&E News

A $40 billion aid package for Ukraine, which contains hundreds of millions of dollars for the production of critical minerals as well as support for the war-torn nation’s nuclear regulator, is expected to be passed by the Senate this week.

Majority Leader Chuck Schumer (DN.Y.) called a closing vote tonight to override an objection raised by GOP Sen. Rand Paul of Kentucky. He looks likely to get the 60 votes needed to put in place the final pass at the weekend.

The House overwhelmingly approved the legislation, HR 7691, last week, and the White House is eager to sign the legislation (Daily O&MMay 11).

Passage in the Senate was slowed last week by Paul’s bid for a provision to establish a special inspector general to oversee aid to Ukraine. The Kentucky Republican opposes the broader aid package, calling it “tax madness.”

Paul rejected a vote on his amendment to attach his special provision as inspector general. Instead, he demanded bipartisan agreement to ensure his language becomes law.

Schumer blasted the tactic. Paul “doesn’t want to help Ukraine,” the Democratic leader said last week. “All he will accomplish with his actions here…is delay that help, not stop it.”

Applications

Schumer was eager to confirm Mary Boyle to the Consumer Product Safety Commission. The Senate removed her from the committee last week after Vice President Kamala Harris broke the tie (E&E News PMMay 12).

But nominations that only have the support of Democrats will have to wait. Sen. Chris Van Hollen (D-Md.) announced last night that he had a minor stroke over the weekend and would not be in the Senate until later this week.

Schumer put up votes on Jennifer Rochon for the U.S. District Court for the Southern District of New York, Trina Thompson for the U.S. District Court for the Northern District of California, and Sunshine Sykes for the U.S. District Court for the Central District of California .

Program: The House Rules hearing will be held Monday, May 16 at 3 p.m. at the H-313 Capitol and via webcast.

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Northern Ireland protocol prevents us from dealing with the cost of living crisis https://translatecompany.pl/northern-ireland-protocol-prevents-us-from-dealing-with-the-cost-of-living-crisis/ Sun, 15 May 2022 21:00:00 +0000 https://translatecompany.pl/northern-ireland-protocol-prevents-us-from-dealing-with-the-cost-of-living-crisis/

In his article for the Belfast Telegraph, Mr Johnson laid out the ground for acting alone on the protocol. He wrote: “It was designed before a global pandemic and a European war that created a cost of living crisis on a scale not seen in half a century.

“For there to even be a question about the rapid availability of medicines or medical tests in Northern Ireland (between two constituent parts of the same National Health Service) is incompatible with the post-Covid era.

“For the Chancellor of the Exchequer to say in his spring statement that people in Northern Ireland would not be able to enjoy the same tax and VAT benefits as those in the rest of the same country is a serious problem.

“This means that our ability to contribute to the post-Covid recovery – and moreover, to the long-term economic development of Northern Ireland – is limited.”

The claim will raise eyebrows given that the cost of living is the number one concern of Britons, according to polls, and Mr Johnson is resisting the announcement of a major new tax cut, which would not be affected by protocol, before the fall.

Andrew Griffith, the director of political unit number 10, argued on Sunday that the tax cuts are backed as much in former Labour-voting Red Wall constituencies as in traditional Tory voting areas.

Speaking to the Telegraph in his first interview since taking office, Mr Griffith said of Red Wall voters: ‘What I see is that they understand that the state doesn’t always know better.”

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Tripadvisor’s Best Budget Family Activities in Surrey https://translatecompany.pl/tripadvisors-best-budget-family-activities-in-surrey/ Sun, 15 May 2022 15:55:26 +0000 https://translatecompany.pl/tripadvisors-best-budget-family-activities-in-surrey/

Now that the warmer weather has arrived, chances are you want to get out with the family and enjoy what Surrey has to offer. But having a family can be expensive, and maybe you don’t want to spend a bundle every time you leave home.

The good news is that not all the activities you do have to break your bank. Some are free, like a trip to Surrey’s highest point. While others may only cost a few euros, such as a heritage center in Guildford.

Below are the top 10 budget-friendly activities to do in Surrey with kids, as ranked by Tripadvisor. Included is a commentary from a recent reviewer to help pique your interest.

READ MORE: 14 fruit and veg picking farms in and around Surrey for a great day out

It should be noted that there was no specific option for budget activities to do in Surrey with children. Instead, we clicked on ‘things to do in Surrey’ and included the ‘budget’ and ‘good for kids’ sub-options – we were surprised at number one on the list.

1. Surrey Hills Falconry – Dorking

Diving into the first place is this bird handling experience. You can get close to birds of prey such as hawks and sparrowhawks. It’s rated 5/5 from 111 reviews and although it costs £110 for a family ticket to manage the birds, it’s the number one great deal for families on Tripadvisor.

User Luke B said in February: ‘We were a family of four with two teenagers but would definitely recommend this to anyone of any age with a passion for nature.

Address: Gatton Manor Golf Club, Standon Ln, Ockley, Dorking, RH5 5PQ.

2. Gatwick Aviation Museum – Charlwood

Less dive and more flight The second place is the museum for lovers of all things that fly. There are plenty of aircraft to enjoy as well as Gatwick Airport’s rich history to uncover.

It scored 5/5 out of 166 reviews and a family ticket (two adults and two children) costs £24. User Ian S said in April: ‘It may be small but packed with information on the development of Gatwick Airport.

Address: Vallance By Ways, Lowfield Heath Road, Charlwood, Gatwick, RH6 0BT.

3. The Sculpture Park – Farnham

This is the world’s largest year-round sculpture exhibition with 650 sculptures presented by 300 sculptors. The park has been open for almost two decades now and recently reduced the number of visitors allowed each day to “enhance the visitor experience by maintaining peace and calm in our magical gardens”.

However, because of this, the ticket price has increased to £15 per adult and £10 per child between 4 and 14 years old. The park scored 4.5/5 out of 1,228 reviews.

User lemonice said: “I really enjoyed my visit, a well-planned walk through the park with so many amazing sculptures to see.”

Address: Corner of Jumps and Tilford Road, Churt, Farnham, GU10 2LH.

4. Spike Heritage Center – Guildford

This historic site tells a sobering story about the Spike Guildford which was built in the 19th century to house the poor and those who were sick, infirm or destitute. It scored 5/5 from 222 reviews and costs £6 per adult and £5 for children aged 5-16. Children under 5 are free.

User BasilBrush_12 said in February, “This is a hidden gem! The volunteers really bring the story to life and give you a taste of how hard life is.”

Address: Warren Road, Guildford, GU1 3JH.

5. Daytona Sandown Park – Esher

Why not spend a great day of karting with the family? This 900m circuit has various go-karting options and costs from £37.50 per ticket – it’s worth noting though that children must be at least six years old to take part.

User Saleh381 said in October 2021: “Visited with the family. An amazing day out, with a friendly team on hand to make you feel welcome and comfortable in this beautiful setting. Definitely worth it, for the thrills and excitement.”

Address: More Lane, Esher, KT10 8AN.

6. Watts Chapel – Guildford

Soak up local history with the family and take a trip to this Grade I listed building which has been described as an ‘arts and crafts masterpiece’. Admission is free for all.

It scored 4.5/5 out of 384 reviews and user scissorsister said in March: “An amazing place, definitely worth a visit or a detour. Follow it up with a visit to the Watts Gallery and the tea room for a perfect day.”

Address: Down Lane, Compton, Guildford, GU3 1DN.

7. Brooklands Museum – Weybridge

Visit the birthplace of British motorsport and explore cool vintage cars, while learning about Brooklands pioneers, engineers and more. The place scored 4.5/5 out of 2,487 reviews – the most reviews on this list. Family tickets cost £29.60 with one adult and two children and £47.70 with two adults and three children. Children under five are free.

User spark0906 said in April: “I arrived at 8:30am with my teenage son thinking we would spend about 3 hours but we were among the last to leave. What a place.”

Address: Brooklands Road, Weybridge, KT13 0SL.

8. Leith Hill – Dorking

Surprisingly, this is the first entry on the list specifically for enjoying one of Surrey’s many magnificent views. Entry is free – you just need to be able to climb to the top of the hill, which is the highest point in Surrey.

However, once there, you can climb Leith Hill Tower for around £3 for an even more incredible view. It scored 3.5/5 out of 452 reviews and user Phil A said in April 2022, “Beautiful place with beautiful views, especially from the top of the historic tower.

“Nice walk from the parking lot through the woods to pick them up too.”

Address: Leith Hill Tower, Leith Hill Lane, Holmbury St Mary, Dorking, RH5 6LU.

9. Priory Park – Reigate

The first and only park on this list is packed with things to do and see, including lakes, tennis courts, soccer fields, multi-sport fields, a skate park, and a playground. There is also a picnic area – ideal for families – as well as restrooms and parking available.

It’s free to enter the park and has been rated 4.5/5 from 229 reviews. User Diss said in April 2022, “This is a very well maintained park with something that should appeal to everyone.”

Address: Bell Street, Reigate, RH2 7RL.

10. British Wildlife Center – Lingfield

For families who love nature and animals, you probably won’t do better than to visit this place. There are plenty of furry creatures to encounter including foxes, badgers and squirrels as well as keeper talks every 30 minutes.

It has a 4.5/5 rating from 626 reviews and user Karina Jade H said in April 2022: “A great place to visit and explore UK wildlife as close to natural habitats as possible. ‘attend some of the informative lectures (every 30 minutes) about different animals.’

A family ticket costs £42 (two adults and two children) and children under three are free.

Address: Eastbourne Road, Newchapel, Lingfield RH7 6LF.

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]]> As inflation soars, the sale of low unit price packs surges; FMCG companies opt for cut-to-weight and bridge packs https://translatecompany.pl/as-inflation-soars-the-sale-of-low-unit-price-packs-surges-fmcg-companies-opt-for-cut-to-weight-and-bridge-packs/ Sun, 15 May 2022 11:05:00 +0000 https://translatecompany.pl/as-inflation-soars-the-sale-of-low-unit-price-packs-surges-fmcg-companies-opt-for-cut-to-weight-and-bridge-packs/ NEW DELHI: FMCG manufacturers are opting to reduce product weight rather than price on low-end consumer items, while employing single-digit price increases on some large packs and launching ” relay packs” as they seek to weather the impact of rising commodity prices and unprecedented inflation.
In addition, they also use cost-saving packaging, recycled products, and reduce advertising and marketing expenses to counter the sudden increase in costs due to geopolitical crises such as the Russian-Ukrainian war as well as the export ban. palm oil from Indonesia.
Rising commodity prices and unprecedented inflation reaching a new high have forced consumers to tighten their purse strings and opt for Low Unit Price Packs (LUPs) to maintain their household budgets.
Local FMCG maker Dabur India has responded to this challenge by combining pricing and cost control measures, said its CEO Mohit Malhotra.
“In urban markets, where per capita income is higher and consumers have the purchasing power, we have raised prices in larger packs. In rural markets, on the other hand, where LUP packs are sold , we have seen a reduction in grammage to protect sacred price points like Re 1, Rs 5 and Rs 10,” he said.
With no sign of lower inflation in the coming quarters, FMCG companies are responding with weight reductions, the launch of relay packs and a single-digit price increase on some large packs.
Recently, several companies have reduced the weight of their products available at popular prices, ranging from soaps to noodles, crisps to Aloo Bhujia and biscuits to chocolates.
“We have observed that some consumers have turned to affordable packs or LUPs to manage their monthly grocery budget. We have also increased the LUP offering from our top brands across all categories to meet this consumer need. “Malhotra said.
While Parle Products senior category manager Mayank Shah said there were “some early signs” of a decline as consumers turn to value packs as the sale of low-priced packs increases slightly .
“In terms of small packs, there’s a bit of a pull given the situation,” he said.
Downtrading refers to the practice of switching from expensive products to cheaper alternatives by customers in an effort to save money.
According to trade intelligence platform Bizom, there is a “clear increase” in the consumption of lower priced products in both urban and rural centers during the January-March quarter compared to the July-September quarter.
This is mainly due to inflation in the prices of edible oils, which is a key ingredient in the Indian food plate, he said.
“There are signs of a significant decline in FMCG products in both urban and rural India. Price inflation remains the main driver of this shift between categories, especially among those where oil, wheat and other inflationary products remain a key ingredient,” said the head of Bizom. Growth and Prospects Akshay D’Souza.
Edelweiss Financial Services Executive Vice President Abneesh Roy said the consumer is trying to save money by buying smaller packaging and this is happening across all FMCG categories.
“Most of the FMCG categories have lower unit packs of Re 1 to Rs 10 accounting for 25-35% of their sales. Even when there is a drop, the consumer remains with the brands,” he said.
There is also huge cost inflation for FMCG companies, they can raise prices for large packaging, but the real challenge is reducing the lower unit-point weight, as it cannot exceed a certain threshold. This forced FMCG companies to opt for bridge packs.
“It offers more grammage to customers and is a win-win for both…Companies try to improve the customer by offering more value, more grammage per rupee spent,” Roy said, adding that in this current hyperinflationary period, it has become a focus area for all major FMCG companies.
Leading consumer packaged goods maker HUL, in its recent earnings call, said the company would adopt a “bridge strategy” as it expects to see more sequential inflation.
HUL, about 30% of whose business is in price packs, will take calibrated pricing action.
Kolkata-based FMCG Major Emami said LUP was the mainstay of his business, contributing around 24% of sales. “However, it was the intermediate packs that grew the fastest in the January-March quarter,” an Emami spokesperson said.
Bakery Foods Company Britannia Industries’ LUPs of Rs 5 and 10 make up about 50-55% of its total mix and will need to nurture this business, its chief executive Varun Berry said in its recent earnings call.
However, of inflation, he said: “…There is no way that any other activity can fill the pain that inflation is going to cause us. It will take a price correction. Whereas we’ll try to be sensible about it and make sure it doesn’t have a big impact on the consumer…we’ll have to take some tough calls.” ]]>
Co-op vs Condominium: Differences, Pros & Cons https://translatecompany.pl/co-op-vs-condominium-differences-pros-cons/ Sat, 14 May 2022 05:28:10 +0000 https://translatecompany.pl/co-op-vs-condominium-differences-pros-cons/

What is the difference between a condominium and a cooperative?

The main difference between condominiums and co-ops boils down to who owns the property. When you live in a condominium, you have ownership of your individual unit. When you live in a cooperative, you own shares in a company that owns the building. As a cooperative owner, you do not own the unit. Instead, you own the right to live in the building and be part of the community that manages it.

This difference in ownership can lead to further differences between shared apartments and condominiums. Here are some other ways these house types can differ:

affordability

Co-ops are better suited to short-term residents, while condos are better suited to those looking for something long-term. This is because buying a condo is a form of real estate investment, and each of your monthly payments helps you build equity over time.

Co-ops can have high down payments depending on location, ranging from 20% to 30% in popular cities. However, the Washington Post found that most co-ops tend to be cheaper than condos per square foot. Another trade-off is that co-ops tend to have cheaper closing costs than condos since you don’t have to pay for things like title insurance.

At first glance, condominiums appear to have cheaper monthly payments than co-ops. However, co-op payments are usually more extensive and cover things like utilities, building maintenance, and other costs that don’t factor into a condo’s monthly payment. Keep in mind that if you are a co-op, you may be asked to contribute to the general upkeep of the building, including shared spaces or updates.

guide

It is common for homeowners to respond to a homeowners association, which creates and maintains community guidelines similar to a homeowners association (HOA). Ultimately, however, condo residents have ownership of their unit, granting them the freedoms that a typical homeowner has, such as: B. the possibility to renovate.

Cooperative residents, on the other hand, only pay for the right to live in the building. Since cooperatives are collective property, any changes a resident wishes to make must be approved by shareholders. Most cooperatives also appoint a management company or set up a shareholders’ council to make decisions and carry out day-to-day tasks. This includes fee collection and management of common areas.

Co-op communities are inherently tight-knit. While this is great for camaraderie, it can make the approval process for joining a co-op intimidating or lengthy. Additionally, if you wish to make any changes to your living space, you will need approval before doing so.

Furnishing

If you’re looking for a community with lots to do, a condo is probably a better choice for you. Condominiums typically offer residents a greater variety of amenities. Here are some of the most common:

  • Pool access
  • Roof terrace or lounge area
  • gym
  • Recreational sports facilities and fields
  • event space

But that doesn’t mean that cooperatives are useless. Many co-ops also provide community spaces for residents – playrooms and lounge areas are among the most common. And with a cooperative, you also have the peace of mind that your housemates are similarly invested in the upkeep and care of the building and common areas.

It is also common for both condominiums and co-ops to have some form of reception service and third-party security services to ensure the safety of residents.

subletting

If you’re looking to get into real estate investing and think subletting might be something for you, co-ops aren’t the best choice. Most co-op boards do not allow subletting, and those that do usually only allow it in very specific circumstances.

However, condos are a great option for buyers looking to earn passive income by renting out their home. Very seldom homeowners associations have rules against subletting because after all it is your property.

authorization

At first glance, the mortgage approval processes for co-operatives and condominiums appear to be quite similar. You must get approved for a loan and choose your lender. Your lender must then review the property you wish to finance to ensure it meets criteria such as structural condition and occupancy requirements. Only then will your lender proceed with approving a mortgage.

But when it comes to moving into a co-op, there are a few more steps in terms of eligibility. Not only is it more difficult to secure funding for this type of housing, but you must also go through the approval process set by the administration of the building you want. This involves a detailed application process, interview and board approval before you are allowed to purchase any shares in the cooperative.

Availability

While condos are common in both cities and suburbs, co-ops are a little harder to find. Most commonly found in densely populated cities and metropolitan areas, co-ops may not be the best choice for shoppers yearning for a more rural lifestyle.

financing

Since a condo is considered real estate, most lenders are not afraid to work with borrowers looking to finance one. Because of this, buying a condo is almost identical to buying a home. Here are the types of mortgages that are generally available for condominiums:

  • Conventional
  • FHA
  • USDA
  • v.a

When it comes to financing a cooperative, however, things get difficult. Not only are lenders reluctant to take out co-op loans, but co-ops themselves can have strict rules on funding. Depending on how you want to finance, the cooperative board can declare you inadmissible.

Additionally, it can be difficult to find someone to sell your shares to when the time comes for you to opt out of co-op living. Even if you find an interested buyer, they still need to be approved by the cooperative’s board of directors before you can sell.

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Letters: Re-elect Monroe | Threat to other rights https://translatecompany.pl/letters-re-elect-monroe-threat-to-other-rights/ Fri, 13 May 2022 23:30:54 +0000 https://translatecompany.pl/letters-re-elect-monroe-threat-to-other-rights/

Submit your letter to the editor via this form. Read more Letters to the Editor.

Re-elect Monroe to run
Alameda County Schools

LK Monroe, Superintendent of Schools for Alameda County, is an experienced leader with a reputation throughout the state. She served as president of the organization of 58 county superintendents, the first colored woman to hold this position. She is best placed to advocate with the highest levels of government for resources to improve educational outcomes for all of our students in this time of rapid change. With all the challenges facing public education, we need the experience and leadership that only Monroe can bring to the table.

The county superintendent is responsible for overseeing the financial health of all school districts. Monroe has made tough decisions in the best interests of students to ensure our school districts remain financially strong. Alameda County voters who care about the financial solvency of their local school districts should support Monroe.

Please re-elect Monroe for Alameda County Schools Superintendent.

Robert Spencer
Oakland

Loss of reproductive choice
threatens other rights

If the recent leaked Supreme Court draft decision stands, it would overturn Roe v. Wade and Planned Parenthood v. Casey who have protected pregnant women’s rights to bodily autonomy for decades. Generations before us fought tirelessly to obtain and protect the rights we enjoy today. We fight to ensure that everyone has the power to control their own body, life and future.

True democracy depends on equal rights for all. Losing our right to reproductive choice would open the door to losing other fundamental rights like equality in marriage, contraception and gender-affirming care. We stand with our allies and leagues across the country, to protect every individual’s access to reproductive health care.

Anne McKereghan
President, League of Women Voters of Alameda

The time has come
reform the high court

The Supreme Court whistleblower should be seen as a call to action to reform the Supreme Court. There are people on the ground who would tell us that the Constitution and its protections do not mean what the framers intended.

The January 6 event is rightly seen as an overt attempt to take our democracy away from us, but the draft of an upcoming Supreme Court ruling is a covert implementation of the same, taking away our rights only one at a time.

Every citizen must write to his senator and congressman. Congress has the power to review the Supreme Court. Article III, Section 2, of the United States Constitution places limits on the Supreme Court: “…with such exceptions and under such regulations as Congress shall establish.” Article V could initiate an amendment that would require a minimum age, term, high ethical standards, judicial experience standards, or other criteria for Supreme Court nominees.

Edward McCaskey
Dublin

Democrats must stay
campaign-oriented

Campaigns are shifting into high gear and politicians are scrambling to make sure their constituents know exactly where their priorities lie. There is little room for off-topic messages or policies that distract from real progress. The party must remain coherent.

Pursuing policies that create no tangible, positive change for people while siphoning off time and resources where the work needs to be done is a mistake we must avoid.

Democrats know what’s at stake in this election cycle, so they know how important it is to give voters what they want and need in the months leading up to November. Let’s hope California Democrats continue to reign in party outliers and ensure they focus on the truly important issues of the moment.

John McGinnis
Danville

Until we stop spending,
inflation will continue

In “GOP Offers Filibuster But No New Solutions” (Letters to the Editor, Page A6, May 6), the author appears to be asserting that without President Biden’s masterful handling of the economy, we would not have never survived COVID.