Mijas Guide http://mijasguide.com/ Sun, 14 Aug 2022 09:32:11 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://mijasguide.com/wp-content/uploads/2021/05/mijas-guide-icon-150x150.png Mijas Guide http://mijasguide.com/ 32 32 preparing and planning for business loans https://mijasguide.com/preparing-and-planning-for-business-loans/ Sun, 14 Aug 2022 09:32:11 +0000 https://mijasguide.com/preparing-and-planning-for-business-loans/

Banks generally approve less than 15% of loans sought. However, as a small business owner, bank financing is usually the most reliable source. What are some of the steps you can take to prepare for a loan to ensure maximum acceptance potential?

From the archive: Business Tips from SCORE: How to Build a Brand Strategy

Alan Haut, ND SBA District Director advises, before you start writing your proposal, there are four things you need to be able to clearly address: (1) how much money is needed? (2) how will the money be used? (3) how will funds be refunded? And (4) what if the business is unable to repay the loan?

Tips for getting started:

Build and maintain a good credit score Credibility is number one in what a lender will consider. And, your credit rating is a measure of your reliability. What lenders want to know more than anything else is that they will get their loan repaid and a credit score is a measure of bill payment history.

Be organized. Get your finances in order and update all your documents (income, expenses, assets and debts). It is useful for both the borrower and the potential lender to have all your documents ready when the application is submitted rather than having to search for specific documents during the assessment period.

Run a cash flow forecast. Once the amount of financing needed has been determined, the next step is to determine if you can afford it. How? By making a cash flow forecast. If the cash flow amount is not sufficient, an adjustment to the requested amount may be required. The company’s past history will determine the validity and realism of the projections. By doing this exercise before applying, the lender will see that there is realism in the application.

Know the type of loan needed. Before applying, a review of the different types of loans available is in order.

Term loan: This is the classic loan option. A term loan gives you a lump sum of cash that you will repay (with interest) in regular installments until you have repaid all of the borrowed funds.

Short term loan: Short-term loans are like term loans, just faster and more expensive. You will face higher interest rates and shorter repayment terms, but you will get money in the bank very quickly.

From the archive: SCORE Cape Cod & Islands Offers Minority-Owned Businesses the Opportunity to Receive Cash Rewards

Business line of credit: A commercial line of credit is a revolving line of credit that gives you access to permanent capital. When you use your line of credit, you only pay interest on the portion borrowed. Once you have repaid the borrowed funds, you have access to the capital again – no need to reapply.

Corporate credit card: A business credit card works much the same as a personal credit card. Use your credit card to buy now, pay later. It’s a great way to increase your available capital and boost your credit score.

Merchant Cash Advance: Use a merchant cash advance to exchange tomorrow’s income for cash today. Your lender will give you a lump sum of money which you will repay with a percentage of your daily sales.

SBA 7(a) loan: Small Business Administration (SBA) 7(a) loans are one of the most sought-after business loans. They have large loan amounts, competitive interest rates, and generous repayment terms. They’re hard to qualify and notoriously heavy on paperwork, but they’re the best

Financing that small businesses can find.

Financing of accounts receivable: Accounts Receivable Financing (also known as factoring) allows you to exchange your unpaid invoices for cash immediately. If you just need extra cash to cover a crisis or pay your own bills, factoring can provide you with all the financing you need.

Keep your business plan up to date. Lenders want to know where the funds will be used and what the overall business plan is. They want to know how the loan will help the business and that the management team has the capacity to run the business and repay the loan. This is the role of the business plan in loan analysis. Not all lenders require business plans, but it is best to have at least a Business Model Canvas plan (www.strategyzer.com) to show that the direction of the business has been well thought out.

Contributed by Marc L. Goldberg, Certified Mentor, SCORE Cape Cod & the Islands, www.capecod.score.org, capecodscore@verizon.net, 508/775-4884.

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West Australians embrace clothing swaps, clothing rentals and recycling amid concerns over fast fashion https://mijasguide.com/west-australians-embrace-clothing-swaps-clothing-rentals-and-recycling-amid-concerns-over-fast-fashion/ Sun, 14 Aug 2022 01:03:16 +0000 https://mijasguide.com/west-australians-embrace-clothing-swaps-clothing-rentals-and-recycling-amid-concerns-over-fast-fashion/

In a world of mass-produced fast fashion, Western Australians are increasingly turning to new initiatives to give their clothes a second life.

With each Australian throwing away more than 20kg of textile waste a year, some individuals, councils and businesses in Western Australia are trying to reduce the amount of clothing sent to local landfills.

Among the initiatives taking off in WA are clothing trade through community clothing swaps, renting outfits rather than buying them, and recycling or redesigning old clothes.

WA style adviser Ciara Lowe-Thiedeman said the second-hand economy was booming.

“The number of people interested in these kinds of initiatives, second-hand, to understand how to get the best clothes at the best price and how to keep things flowing and how to make money from your bad decisions as well – is enormous. on the rise,” she said.

Councils and communities organize clothing exchanges to reduce textile waste.(ABC News: Jacqueline Lynch)

“Teenagers and young people hire much more often because hiring is also much more affordable.

“A lot of people are doing it, it’s becoming commonplace and I applaud it.”

Ms Lowe-Thiedeman said she was happy to see people moving towards more eco-friendly fashion choices at a time when many were still embracing mass-produced, low-cost clothing, known as fast-fashion .

“I think slowly but surely we are becoming more aware. [But] we don’t wake up fast enough,” she said.

“We have this rise of small industries, you know, your clothing exchanges, your thrift stores and your ops stores – because they make money off people’s excesses or bad mistakes.”

WA tips lend a hand

The Eastern Metropolitan Regional Council, which manages the waste of several councils in Perth, has started organizing community clothing swaps in a bid to prevent textiles from ending up in landfills and recycling bins.

Vintage clothes on a shelf.
Community clothing exchanges are becoming increasingly popular.(ABC News: Kerrin Thomas)

Waste education coordinator Isabelle Marie said it was about getting more people interested in reusing clothes and breaking the stigma of second-hand clothes.

“People always proudly tell us when they’re wearing something from the swap,” Ms. Marie said.

She said the exchanges were becoming increasingly popular.

“From the first trade, when we look at our numbers, we started to see them go up,” she said.

“More people know and more people attend.”

It’s “cool” to save and recycle

However, the rise in popularity of these new thrifty initiatives had not dampened footfall in local operating stores.

Good Sammy general manager Kane Blackman said the stores were full of people buying clothes for themselves and even reworking them for profit.

“It’s very cool to save money right now,” he said.

“We see around 30,000 West Australians entering our stores every week.

“People come in and see opportunities in certain clothes, to make a little change, to make something new out of it – we’re seeing a huge demand for that.

A man in a blue jacket stands between two clothes racks
Good Sammy CEO Kane Blackman says customers often bought clothes and turned them into something new.(ABC News: Ashleigh Davis)

“Some of them are recycling it and a number of people are selling these items online, so we’re creating side jobs for people across the state.”

Mr Blackman said people were becoming more and more socially aware of the impacts of textile waste.

Textile waste rotting in a landfill

Data from Australia’s Department of Climate Change, Energy, Environment and Water showed that the average Australian buys 27kg of new clothes each year and throws around 23kg in landfill.

Dr Anne Farren, a researcher at the Curtin University School of Design, said it was “a massive amount” of textile waste to be dealt with locally.

“If we all produce this level of waste and just look at the situation in WA, we reach approximately 60 million tonnes of clothing waste produced in WA,” she said.

A woman in a green jacket in an opp store
Experts say people are becoming more aware of the environmental impacts of fast fashion.(ABC News: Ashleigh Davis)

Dr Farren said anything that could be done to stop textile waste going to landfill was fantastic.

“Unfortunately, a lot of textile waste does not decompose…synthetic materials often contain a plastic component and they take forever to decompose,” she said.

“It’s as bad and similar as a plastic.”

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“She left me reading” – 7 Nigerians on their worst online shopping experiences https://mijasguide.com/she-left-me-reading-7-nigerians-on-their-worst-online-shopping-experiences/ Sat, 13 Aug 2022 10:00:09 +0000 https://mijasguide.com/she-left-me-reading-7-nigerians-on-their-worst-online-shopping-experiences/

Online shopping in Nigeria is not for the weak. Because even after online sellers waste time taking and confirming your order, you still have to chase them to deliver the product. And then you open the long-awaited package, you see something completely different from what you ordered.

These seven Nigerians share their horrible shopping experiences with online sellers.

She left me reading

—Lisa, 23

I bought a dress for a “friend”. After waiting at least two months, the dress arrived and I was heartbroken. The fabric was trash, it was too short and it just looked ugly. I texted her and even sent photos and videos to complain but she left me on read. It seems that she also blocked me from seeing her WhatsApp statuses because I never saw her statuses again even though I see her texting on our school group chat.

She said she had a no refund policy

—Dora, 25

My friend wanted to buy a gift for his girlfriend so he came to me and I went online and found a tailor who does ready-to-wear dresses on Ig. I paid to have four dresses made. When the dresses arrived they didn’t fit and the stitching looked tacky. It was a bad job in every way. When we contacted her she became very unfriendly saying she had a no refund policy. We had to give up.

Related: 5 things we secretly wish for when shopping online

They were so bad, I had to buy a replacement gift

—Jerry*, 27

After searching for weeks for a birthday present for my friend, I found an IG seller that was selling designer bags. Worst ₦50K ever spent as I bought two for two different people. The bags looked so bad that I had to buy a replacement gift.

it was useless to me

—Tayo, 26

I went online to buy school supplies and decided to buy a backpack. When I thought I had found the perfect one – because it included sections for my charger, laptop and books – I couldn’t believe what was delivered to me as it couldn’t even fit a single book. I still think it looks really nice but it’s not functional so it’s useless to me.

They wouldn’t fit, so I gave them to charity

— Cecile*, 26 years old

Online sellers are actually after my life. They are either two sizes smaller or larger – no middle ground. The most terrible experience was last year when I bought corporate used dresses in bulk from an online store with the intention of reselling them. They actually looked like the picture – only much bigger than expected. After spending around ₦40K on them, none match my clients. I kept them for months before finally donating them to charity.

I looked like a joke in the shoes

—Ariel*, 24

Some online sellers are mean. Because after bombarding me with advertisements for leather shoes, I decided to give it a try. When it arrived it looked like rubber. I felt like I was kidding, so I just blocked her number.

They tried to gaslight me and called me dramatic

—Tope, 25

The one incident that particularly stuck out to me was online shopping. It wasn’t so much that they got my order wrong as the seller’s attitude towards me. They sent a picture of the finished product and the color was yellow instead of white as I ordered. And instead of apologizing, they tried to lighten me up, accusing me of being dramatic. After a series of back and forth they asked for my account number to refund me as they hadn’t sent it yet. It was so upsetting but at least I got my money back.

I wanted an oversized t-shirt but this collar can fit two people

—David, 28

Two months ago I placed an order on a popular shopping site but was appalled at what I received. I wanted an oversized t-shirt but the collar on this one could fit two people! The package now sits beautifully in a corner as I cannot carry it.

Your next read: What To Do When A Nigerian Seller Goes Crazy


Some names have been changed for anonymity.

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‘Back to School Shop’ dresses students for eighth grade https://mijasguide.com/back-to-school-shop-dresses-students-for-eighth-grade/ Sat, 13 Aug 2022 02:43:51 +0000 https://mijasguide.com/back-to-school-shop-dresses-students-for-eighth-grade/

It’s almost time for the start of the school year. For hundreds of children in Stamford, it’s an annual experience they couldn’t enjoy without the help of the nonprofit, Back to School Shop.

Stamford co-founders and residents Jane Levene and Meryl Japha launched the organization in 2015. Their eighth annual event was held all day Sunday inside Davenport Ridge Elementary School. School social workers have identified 400 children who they believe would benefit greatly from this one-stop shop with backpacks, books, school supplies, socks, underwear and even a winter coat and hat.

“Everything is bought new. There is nothing here that is used. The beacons are still on,” Levene said.

Fourth grader Kendra Lopez and her siblings were thrilled as they walked through the gymnasium-turned-department store without their parent.

Levene said: ‘We are asking parents to wait and the child can leave with a personal shopper to help them get to their size. They will try them on in a fitting room.

“I like the helpers here. They’re really nice,” Kendra said. Her personal shopper, Lisa Rich, says the feeling is mutual.

“Every stop we make, from socks to sneakers to books – it’s just a big smile on his face,” Rich said.

Volunteers say the excitement doesn’t stop when the shopping is done. Watching the kids approach their parents with their new clothes and school supplies is priceless.

“The last young woman I brought home to her mother, they clapped their hands. So that was really wonderful,” Rich said.

Kendra was a bit shy in front of the News 12 cameras, but her mom showed great appreciation: “Amazing. I love it. It’s the best thing that can happen. »

Back to School Shop has helped more than 2,000 children since 2015. The co-founders say donors and 1,000 community volunteers have been extremely generous.

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Banks Bolster Loan Loss Reserves – Indianapolis Business Journal https://mijasguide.com/banks-bolster-loan-loss-reserves-indianapolis-business-journal/ Fri, 12 Aug 2022 18:00:00 +0000 https://mijasguide.com/banks-bolster-loan-loss-reserves-indianapolis-business-journal/

Banks in Indiana and elsewhere have recently begun to bolster their reserves against potential loan losses, though they also say they don’t yet see clear signs of trouble ahead.

Scott Siefers

Despite fears of an economy-wide recession and outright easing in the tech sector, banks are not reporting any signs of trouble in their loan portfolios. At the same time, many banks that reduced their reserves last year are rebuilding them.

“We’re at a very interesting point in the emergence of the credit cycle right now,” said Scott Siefers, New York-based senior research analyst and managing director of Minneapolis-based Piper Sandler Cos. “I think we all intuitively feel like tougher days are emerging, and they’ll probably be with us in several months and maybe next year, but we don’t see just no real deterioration now.

Siefers focuses on banking and follows companies such as Old National Bank, based in Evansville, and Merchants Bancorp, based in Muncie.

Each quarter, banks decide how much money they will set aside to cover possible loan losses. This amount, called the allowance for credit losses, can vary from quarter to quarter. If a bank feels that it could incur larger losses in the future, it can increase its quarterly provision. If a bank believes that its reserves are sufficient and the credit quality is good, it can also record a negative provision by releasing part of its reserves.

At the start of 2020, banks built up huge loan loss provisions because they feared the pandemic would trigger a wave of loan defaults. Those defaults did not happen and, in fact, credit quality has been much better than expected since then, with many banks reducing their reserves because their loans were performing so well.

Much of the reserve build in the last quarter, Siefers said, has to do with loan balances rising. As a bank’s loan portfolio grows, the amount needed to protect against potential losses also increases.

Nathan Stovall

Nathan Stovall, an analyst at S&P Global Market Intelligence, said S&P “fully expects” banks to increase their loan loss provisions this year, partly because of overall loan growth and partly because credit losses are expected to return to more normal levels over the next year.

“You can’t have this abnormal [low] the level of loan losses continues,” Stovall said.

But he stressed that he does not foresee a sharp downturn ahead. “I just don’t think we’re in a situation where we’re going to see a serious short-term deterioration.”

Old National said loan growth and caution played a role in boosting the bank’s reserves last quarter.

During the second quarter, Old National added $9.25 million to its reserves for credit losses. That’s a notable change from the same period a year earlier, when the bank released $4.93 million from those reserves.

Brendon Falconer

Old National chief financial officer Brendon Falconer said loan growth was a key reason for the shift. The bank ended the second quarter with $29.6 billion in loans, up from $13.8 billion a year earlier. (Old National acquired Chicago-based First Midwest Bank in February, which significantly increased Old National’s overall size and loan portfolio.)

And the bank’s credit quality remains solid: non-performing loans accounted for just 0.78% of Old National’s total loans last quarter.

“Credit quality has never been better,” Falconer said.

But economic uncertainty was also a factor in Old National’s decision to increase its reserves, he said.

The bank doesn’t see clear signs of trouble ahead, Falconer said, but “the [banking] the industry has had a track record of incredibly good credit quality for some time now…at some point it will just have to get back to normal.

Warsaw-based Lake City Bank recorded no provision for credit losses last quarter, having released $1.7 million from its reserves a year earlier.

David Findlay

Non-performing loans were just 0.2% of total loans last quarter at the bank; a year earlier, this figure was 0.19%.

But Lake City is also watching the economy carefully.

“We are closely monitoring the impact of current supply chain challenges, the impact of inflation and rising interest rates on our borrowers, and broader economic conditions,” the chairman said. and CEO David Findlay in Lake City’s second quarter financial announcement, released July 25. “While we are happy with our overall measures of loan quality, we will continue to look for any signs of a potential recession.”

At Fishers-based First Internet Bank, non-performing loans accounted for 0.15% of the bank’s total loans last quarter, which President and CEO David Becker said is “very close to a historic low for us”.

First Internet is focused on commercial banking, although it has consumer businesses, including a longstanding business in financing individual purchases of RVs and horse trailers. Despite inflation and high gas prices, Becker said, the bank has seen no increase in delinquencies in its RV loan portfolio.

First Internet added $1.19 million to its reserves last quarter, up from just $21,000 a year ago and $800,000 in the first quarter.

The quarter-over-quarter increase, Becker said, was “100% due to loan growth.”

JPMorgan Chase & Co. CEO Jamie Dimon made headlines in June when he advised investors to prepare for an economic “hurricane.”

Becker disagrees with this perspective, predicting that any future crisis will be more like a tornado – a targeted problem that causes problems for individual borrowers rather than a systemic problem that sweeps through and affects many people.

Becker also acknowledged the complexity of forecasting when so many factors are at play, including high employment numbers, but also high oil prices, troublesome inflation and the ongoing war in Ukraine.

“I don’t think there is an economist alive today who has tried to operate a crystal ball with all the factors in the world today,” he said. “The jury is still out on how this thing is going to end.”•

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Popular new children’s clothing store opens in Oxford https://mijasguide.com/popular-new-childrens-clothing-store-opens-in-oxford/ Fri, 12 Aug 2022 09:13:38 +0000 https://mijasguide.com/popular-new-childrens-clothing-store-opens-in-oxford/

The new store opened yesterday (Thursday 11)

A NEW store of childcare furniture, travel systems and children’s clothing has opened in Oxford.

Mamas & Papas opened at Westgate Oxford yesterday (11) inside the NEXT store, giving the first 50 customers who made a purchase in store a free goody-bag.

The store will offer expert in-store services, such as personalized shopping appointments, car seat consultations and adjustments, independent advice on a wide range of brands, as well as click and collect.

READ MORE: Gas works set to cause delays at main roundabout in Oxfordshire

Nathan Williams, Chief Operating Officer at Mamas & Papas, said: “A customer visiting our new store will have access to our dedicated Mamas & Papas team of experts, who will provide personal, independent advice and recommendations. to parents. being and their families.

“Being able to test and compare strollers, have car seats installed in their car before they buy, and be inspired by nursery furniture is something every new parent should have access to.

“The Oxford Concession marks the opening of our 22nd store with NEXT and helps us continue to achieve our goal of being the most accessible nursery brand on the high street.”

READ MORE: Amazing new mailbox topper to replace the ‘wreckage’ creation

The store is open 9 a.m. to 8 p.m. Monday through Saturday and 11 a.m. to 5 p.m. Sunday. There is also free parking provided as well as a Costa coffee and changing service in the NEXT store.

This story was written by Gee Harland. She joined the team in 2022 as a senior multimedia reporter.

Gee covers Wallingford, Wantage and Didcot.

Get in touch with her by emailing: Gee.harland@newsquest.co.uk

Follow her on Twitter @Geeharland

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Secret Service detail of Doug Emhoff spotted blocking disabled parking lot https://mijasguide.com/secret-service-detail-of-doug-emhoff-spotted-blocking-disabled-parking-lot/ Thu, 11 Aug 2022 23:21:01 +0000 https://mijasguide.com/secret-service-detail-of-doug-emhoff-spotted-blocking-disabled-parking-lot/

Secret Service detail protecting Second Gentleman Doug Emhoff was spotted blocking access to a disabled parking lot outside a Whole Foods in Los Angeles.

Emhoff was out shopping in the Westside area of ​​Brentwood on Wednesday when his two-vehicle motorcade blocked the accessible car park for around 20 minutes, a witness told DailyMail.com.

While Emhoff was shopping at Whole Foods, the two black Chevrolet Suburbans bearing Department of Homeland Security plates parked diagonally in a disabled parking spot, photos of the incident show.

Emhoff, who shares a home with Vice President Kamala Harris in Brentwood, was escorted by two officers as he left Whole Foods with his groceries.

Harris has been outspoken in his advocacy for people with disabilities, a stance seemingly in contrast to the scene that unfolded on Wednesday. A Secret Service spokesman declined to comment on the case when contacted by DailyMail.com

Scroll down for video

Secret Service detail protecting second gentleman Doug Emhoff was spotted blocking access to a disabled parking space in Los Angeles

Emhoff was out shopping in the Westside area of ​​Brentwood on Wednesday when a witness tells DailyMail.com that his two-vehicle motorcade blocked the accessible car park for around 20 minutes.

Emhoff was out shopping in the Westside area of ​​Brentwood on Wednesday when a witness tells DailyMail.com that his two-vehicle motorcade blocked the accessible car park for around 20 minutes.

While Emhoff was shopping at Whole Foods, the two black Chevrolet Suburbans bearing Department of Homeland Security plates pulled up diagonally into a disabled parking spot.

While Emhoff was shopping at Whole Foods, the two black Chevrolet Suburbans bearing Department of Homeland Security plates pulled up diagonally into a disabled parking spot.

The second gentleman told an onlooker he was

The second gentleman told an onlooker he was

The second gentleman told an onlooker he was “fine” as he walked towards the waiting motorcade and jumped into the back of one of the waiting SUVs.

Outside Whole Foods, the second gentleman told an onlooker he was ‘fine’ as he walked towards the waiting motorcade and jumped into the back of one of the SUVs in waiting.

One of the Secret Service vehicles briefly activated its lights and sirens as the SUVs pulled away from the Whole Foods parking lot.

On his shopping trip on Wednesday, Emhoff was also seen picking up dry cleaning at a store not far from Whole Foods.

Emhoff was casually dressed in a navy polo shirt, gray shorts and white sneakers as he finished shopping.

It is unclear whether Emhoff’s protective details decided to block off the accessible parking space at Whole Foods for security reasons.

A Secret Service spokesperson told DailyMail.com in a statement: “Due to the need to maintain operational security, the United States Secret Service does not comment on the means or methods used to conduct our protective operations.”

Emhoff was casually dressed in a navy polo shirt, gray shorts and white trainers as he finished his shopping

Emhoff was casually dressed in a navy polo shirt, gray shorts and white trainers as he finished his shopping

It's unclear if Emhoff's protective details decided to block off the accessible parking space at Whole Foods for safety reasons.

It’s unclear if Emhoff’s protective details decided to block off the accessible parking space at Whole Foods for safety reasons.

Vice President Harris, Emhoff's wife, has been a strong advocate for people with disabilities, and onlookers couldn't help but notice when Emhoff's details took over the parking spot accessible.

Vice President Harris, Emhoff’s wife, has been a strong advocate for people with disabilities, and onlookers couldn’t help but notice when Emhoff’s details took over the parking spot accessible.

Emhoff, who is the first second gentleman in US history, has been married to Harris since 2014

Emhoff, who is the first second gentleman in US history, has been married to Harris since 2014

Emhoff’s wife, Harris, has been a strong disability advocate and recently met with disability advocates at a roundtable to discuss the potential impact of the Supreme Court’s decision voiding safeguards on access to abortion.

At the event, Harris was even careful to use inclusive language meant to help people with visual impairments, saying in her introduction, “I’m Kamala Harris. My pronouns are “elle” and “elle”. I am a woman sitting at the table wearing a blue suit.

Emhoff, who is the first second gentleman in US history, has been married to Harris since 2014 and has two children from his first marriage.

While the vice president and her husband officially reside at the Naval Observatory in Washington DC, they also maintain homes in San Francisco and the upscale Brentwood neighborhood of Los Angeles.

On his shopping trip on Wednesday, Emhoff was also seen dry cleaning at a store not far from Whole Foods

On his shopping trip on Wednesday, Emhoff was also seen dry cleaning at a store not far from Whole Foods

While the vice president and her husband officially reside at the Naval Observatory in Washington DC, they also maintain homes in San Francisco and the upscale Brentwood neighborhood of Los Angeles.

While the vice president and her husband officially reside at the Naval Observatory in Washington DC, they also maintain homes in San Francisco and the upscale Brentwood neighborhood of Los Angeles.

While the vice president and her husband officially reside at the Naval Observatory in Washington DC, they also maintain homes in San Francisco and the upscale Brentwood neighborhood of Los Angeles.

Emhoff leaves a dry cleaner in Brentwood as he runs errands with his Secret Service escort on Wednesday

Emhoff leaves a dry cleaner in Brentwood as he runs errands with his Secret Service escort on Wednesday

Emhoff is currently on the faculty at Georgetown University Law Center as a visiting professor and has taught courses in entertainment law, his specialty.

Emhoff is currently on the faculty at Georgetown University Law Center as a visiting professor and has taught courses in entertainment law, his specialty.

Emhoff built a successful career as a top lawyer and partner at DLA Piper, but resigned from the firm when Harris took over to avoid conflicts of interest.

He is currently on the faculty at Georgetown University Law Center as a visiting professor and has taught courses in entertainment law, his specialty.

As a first gentleman, Emhoff maintained a fairly low profile but undertook a handful of diplomatic and goodwill duties, including leading a delegation to the 2020 Summer Paralympics in Tokyo.

He also regularly joins First Lady Jill Biden in receiving foreign dignitaries and frequently highlights the work of various charities and NGOs working on a wide range of issues.

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Opening of a new vintage designer clothing store “Pretty New Clothing” in Elgin https://mijasguide.com/opening-of-a-new-vintage-designer-clothing-store-pretty-new-clothing-in-elgin/ Thu, 11 Aug 2022 14:30:00 +0000 https://mijasguide.com/opening-of-a-new-vintage-designer-clothing-store-pretty-new-clothing-in-elgin/

A LOCAL businessman has opened a vintage designer clothing store in Elgin.

Pretty New Clothing is a new venture from Andrew Gentleman, owner of Clean4Me in Elgin. Photo: Daniel Forsyth

Andrew Gentleman owns Clean4Me on South Street and has worked in the cleaning industry in Moray for over 20 years.

However, recently he has expanded his business to also sell vintage designer clothing with his new venture ‘Pretty New Clothing’ – inspired by former Oasis star Liam Gallagher’s own ‘Pretty Green’ clothing brand.

Andrew says the expansion happened “naturally” and it was time to “try something new” after more than two decades of working in the cleaning industry.

“We used to clean a lot of Forces uniforms, so what was happening was people were seeing them and telling us how smart they looked,” he said.

“On the back of that, I bought a few uniforms just to put them on display at the start.

“From there, everything went from uniforms to vintage uniforms, then vintage clothes and almost new clothes.

“That’s really how it all came together.”

Andrew said his expansion into selling clothes has taken place
Andrew said his expansion into selling clothes came “naturally”. Photo: Daniel Forsyth

Like many business owners in Moray, Andrew has struggled to cope with the aftermath of the coronavirus pandemic.

However, her recent expansion into selling clothes alongside her cleaning business portends a brighter future.

“Obviously it was a worrying time for us,” he said.

“It was pretty scary actually, as it is for a lot of businesses, but we weathered the storm.

“I thought about it for a while, so I’m glad I finally did it.

“I’ve had a great response so far and the laundry side of the business is always busy, so hopefully that will stay that way for Pretty New Clothing as well.”

Andrew says the company sells a variety of clothing, including vintage designer clothes and newer pieces, as well as shoes.

This includes Doc Martens, Converse, Bathing Ape t-shirts, vintage football shirts, and a variety of other items.

However, Andrew warns that due to the nature of selling vintage or nearly new clothes, once something has sold, it’s gone.

“When I started the Facebook page, it went crazy,” he said.

“There are so many people who ask me if I have this or that, but unfortunately when I get something and it sells, it’s gone.

“I might expand more on the clothing side in the coming months as well, but for now I’m just going to see how it goes and add things along the way.

“I’ve really enjoyed it so far. I’m kind of excited to see this side and hope to see it grow.”


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‘Closer than we’ve ever been’: Warren and Pressley talk student loan forgiveness https://mijasguide.com/closer-than-weve-ever-been-warren-and-pressley-talk-student-loan-forgiveness/ Thu, 11 Aug 2022 00:17:58 +0000 https://mijasguide.com/closer-than-weve-ever-been-warren-and-pressley-talk-student-loan-forgiveness/

Just weeks before the end of the pandemic-era student loan hiatus, Sen. Elizabeth Warren and Rep. Ayanna Pressley met with labor leaders Wednesday at the Boston Teachers Union to renew their call for loan forgiveness. students.

“I want to take a moment to acknowledge that we are closer than ever to seeing student debt canceled, and it has everything to do with the many people who have been crushed by this and continue to be crushed who have amplified and shared their stories,” Pressley said.

Former President Trump and later President Biden suspended early 2020 student loan payments and interest accrual for much of the pandemic — that pause is set to end August 31.

As the deadline approaches, there has been speculation over whether Biden will extend it or possibly issue an executive order to cancel student loan debt.

Pressley and Warren joined activists in demanding $50,000 in debt forgiveness. Biden said he didn’t want to go that far, indicating his interest in the $10,000 idea.

“In a few days, (the student loan break) will expire, and it will be significant,” Pressley said. “We’ve seen during the pandemic that people have been able to use that money to stay safely housed, for other bills. It’s a matter of consequences for people from all walks of life.

Pressley and Warren pointed out on Wednesday that the analysis showed that this is “an economic problem, a racial problem, a gender problem and a generational problem.” They cited statistics, noting that women carry two-thirds of all student loan debt and that black borrowers are five times more likely to default on college loans.

“If the president canceled $50,000 in student loan debt, we could close the black-white wealth gap by 27 points for people with student loan debt,” Warren said. “There is not another action the president can take on his own that would have such a profound effect on racial equity in this country.”

Both politicians acknowledged the labor movement’s role in advancing the cause, telling advocates “there is cause for encouragement”.

“When we first started advocating for student debt forgiveness…the false and misguided narrative was that student debt forgiveness would only benefit white graduate students going to college,” Pressley said. “And that’s not true. This nearly $2 trillion crisis is universal.