Lending – Sfeva http://sfeva.org/ Thu, 27 May 2021 22:25:06 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.2 http://sfeva.org/wp-content/uploads/2021/05/sfeva-icon-150x150.png Lending – Sfeva http://sfeva.org/ 32 32 Tua Tagovailoa gives the start command for the NASCAR Cup Series race http://sfeva.org/tua-tagovailoa-gives-the-start-command-for-the-nascar-cup-series-race/ http://sfeva.org/tua-tagovailoa-gives-the-start-command-for-the-nascar-cup-series-race/#respond Wed, 07 Apr 2021 23:16:11 +0000 http://sfeva.org/tua-tagovailoa-gives-the-start-command-for-the-nascar-cup-series-race/

Miami Dolphins quarterback Tua Tagovailoa changed lanes on Sunday for an enthusiastic delivery of motorsport’s most famous words.

As Grand Marshal of the NASCAR Cup Series race at Homestead-Miami Speedway, the former Alabama All-American ordered the pilots to start their engines before the Dixie Vodka 400.

Tagovailoa gave the order via video as NASCAR continues to deal with the coronavirus pandemic in a second season.

Former NFL linebacker Jonathan Vilma was the race’s honorary starter.

“It is a true honor to have Tua and Jonathan join us for this special weekend, and we are delighted to welcome them,” said Homestead-Miami Speedway President Al Garcia said. “Tua helped bring the Dolphins back to their winning ways last year, and Jonathan has been a key member of several successful University of Miami teams, carrying on the school’s tradition of greatness. We know that many NFL players have recently taken an interest in NASCAR, and we are happy that both have the opportunity to see how exciting our sport can be.

The Dixie Vodka 400 is the third race on the Cup Series calendar after NASCAR began its 2021 season at Daytona International Speedway with the Daytona 500 on February 14 on the 2.5 mile oval and the O’Reilly Auto Parts 253 February 21 February 21. the road route of the track.

Tagovailoa is preparing for his second season with the Dolphins. The fifth player selected in the 2020 NFL Draft, Tagovailoa became Miami’s starting quarterback in Game 7 of his rookie season.

TUA TAGOVAILOA GIVES NFL OUTLOOK FOR MAC JONES

In Alabama, Tagovailoa came off the bench as a rookie to lead the Crimson Tide from a 13-0 halftime deficit to a 26-23 overtime win over Georgia in the CFP National Championship game.

In Tagovailoa’s second season, the Tide fell to Clemson in the national title match. Tagovailoa was the consensus All-American QB and SEC Offensive Player of the Year and finished second in the Heisman Trophy vote in 2018.

After a hip injury in Game 10 ended his junior season, Tagovailoa headed to the NFL as Alabama’s all-time touchdown leader and NCAA record holder. FBS for career passing efficiency rating of 199.4 (for players with at least 400 completions). Tagovailoa completed 474 of 684 passes for 7,442 yards with 87 touchdowns and 11 interceptions and ran for 340 yards and nine touchdowns on 107 carries in Alabama.

Mark Inabinett is a sports reporter for Alabama Media Group. Follow him on twitter @ AMarkG1.

MORE NFL:

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· Alabama Roots: Who was the fastest in the NFL Combine’s 3-cone drill?

· Cam Newton set to join New England Patriots

· Alabama Roots: Who jumped the furthest in the NFL Combine?

· CJ Uzomah struggles to put an injury behind him

· Will the Jets trade Quinnen Williams for a quarterback?

· Alabama Roots: Who jumped the highest in the NFL Combine?

· Marlon Davidson gets a ‘clean slate’ for NFL season two

· Tua Tagovailoa gives NFL outlook for Mac Jones

· Alabama Roots: Who ran the fastest 40 in the NFL Combine?

· After a tough rookie year, La’Mical Perine can’t wait to win second season in the NFL

· Kenyan Drake coming to free agency this year?

· Alabama Roots: Who did the most bench press reps at the NFL Combine?

· Panthers reconnect with former Lee-Huntsville lineman

· Jarran Reed wants to feel the confetti of the Championship again

· Auburn Grad Amy Palcic Joins Jacksonville Jaguars Redesign

· Rowdy teen apologizes to Cam Newton




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Leeds healthcare nonprofit secures $ 371k loan for clinic modernization http://sfeva.org/leeds-healthcare-nonprofit-secures-371k-loan-for-clinic-modernization/ http://sfeva.org/leeds-healthcare-nonprofit-secures-371k-loan-for-clinic-modernization/#respond Wed, 07 Apr 2021 23:15:54 +0000 http://sfeva.org/leeds-healthcare-nonprofit-secures-371k-loan-for-clinic-modernization/

DFD Russell Medical Center Inc., headquartered in Leeds, is one of 38 rural health care centers in 14 states to share $ 65 million from the US Department of Agriculture’s rural development fund.

The healthcare provider, which has clinics in Leeds, Monmouth and Turner, will secure a loan of $ 371,000 for essential facilities to renovate facilities in Leeds. DFD Russell’s three clinics serve 8,000 patients from 13 towns in Androscoggin and Kennebec counties.

In total, the USDA money will benefit more than 600,000 patients in rural areas of the country, according to a press release. Health care associations in more than a dozen states have received funding.

“Access to modern community facilities and essential services is essential for the growth and prosperity of rural communities,” said Bette Brand, assistant assistant secretary for rural development at the United States Department of Agriculture, in a press release. , adding, “When rural America thrives, America thrives.” “

Timothy P. Hobbs, USDA Rural Development Director for the State of Maine, said, “This critical funding to help DFD Russell Medical Center Inc. is a great example of how rural development can help. critical health care facilities in Maine. Rural communities depend on vital medical services, and our agency has loans and grants that may be able to provide hospitals and clinics with funds for renovations or lifesaving equipment. “

A psychiatric nurse practitioner has been added to the practice, and additional exam rooms and support spaces are needed to accommodate the addition, according to the release. The project will include the construction of new offices and a conference / training room at the Leeds clinic. Toilets will also be made ADA compliant. The renovations will allow the new psychiatric examination rooms and support spaces to be located on the upper floor of the building, close to other patient access spaces.

In October, DFD Russell and Central Maine Healthcare announced a partnership expand access to cardiovascular care in rural central Maine. The program, which was launched in November, allows doctors at the Maine Heart and Vascular Institute at CMH in Lewiston, about 20 miles south, to see patients at the Leeds clinic.

DFD Russell has been recognized by the Health Resources and Service Administration as the Health Center Leader – among the Top 10% of Best Health Centers – and the National Quality Leader for Heart Health and Diabetes, Laurie Kane said. Lewis, CEO of DFD Russell at the time. .


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A harmonious union of wine and chocolate in Astoria http://sfeva.org/a-harmonious-union-of-wine-and-chocolate-in-astoria/ http://sfeva.org/a-harmonious-union-of-wine-and-chocolate-in-astoria/#respond Wed, 07 Apr 2021 23:15:51 +0000 http://sfeva.org/a-harmonious-union-of-wine-and-chocolate-in-astoria/

Pairing wine and chocolate is like trying to treat your best friend on Valentine’s Day – it’s hard to do right, and when that fails, everyone gets upset. Yet we keep trying.

One problem with many red wine-dark chocolate combinations is that their tannins, like matchmaking, can coalesce to create bitterness. Substituting a dessert wine can take things too far in the direction of sweetness. When a friend told me about a promising chocolate wine made in Astoria, I decided to check it out.

I questioned this decision when I discovered that wine was made by fermenting whey, an aqueous by-product of the cheese-making process. My concern was unwarranted. The chocolate experience I had at Shallon Winery was worthy of Roald dahl.

Thanks to the giant airship painted on the side, it’s easy to spot the Shallon Cave in downtown Astoria. The winery is located in the historic Wicks-Osburn building, which shares its year of birth 1925 with Paul van der Veldt, the owner of Shallon.

Van der Veldt, 95, is a one-man show who enjoys interacting with his customers. He has been behind the bar in his tasting room every day since the cellar opened on July 27, 1980. Van der Veldt is approaching 15,000 consecutive days of wine tasting and guided tours. Not even Carmello Anthony has that kind of endurance.

Van der Veldt’s first commercial release was a blackberry wine. He made his first chocolate wine in 1991. To be precise, these are four different chocolates suspended in an orange wine resulting from the fermentation of whey. The uniqueness of its wines is what attracted Van der Veldt in the first place.

“I never wanted to do what everyone else does, like pinot noir,” said Van der Veldt.

Whey first caught Van der Veldt’s attention in the 1970s, when researchers at Oregon State University were looking for a way to turn it into fruit-flavored wines.

“The only reason they weren’t successful is because they didn’t process the whey properly,” Van der Veldt said. Although he is wary of how he corrected their mistakes, Van der Veldt has clearly found the right whey.

Part of Van der Veldt’s success is mastering the suspension of chocolate in orange whey wine without using emulsifiers and what he calls “man-made waste”. Getting the right suspension, natural flavor and smooth mouthfeel is Van der Veldt’s “trade secret”. Its chocolate wine contains only natural ingredients and registers a modest 11% alcohol by volume.

A quick sniff of my glass was enough to bring me back to a Terry’s Chocolate Orange, the English treat that appears in our house over Christmas. In addition to orange and chocolate, I picked up scents of anise and wet cedar.

On the flavor side, this duo of dark chocolate and blood orange is joined by vanilla biscotti. Each rich, creamy sip is like biting into a Pepperidge Farm “Milano” Chocolate Orange Cookie. When the fresh strawberries come back, I will soak them in this elixir.

Even if this particular wine doesn’t sound like your cup of cocoa, I still recommend a visit to the winery.

First of all, there is the equipment. Juxtaposed against the antiquity of a wine press bought from an Italian-American family in Portland is a thoroughly modern $ 40,000 juicer.

To the left of the centrifuge is a trio of fiberglass / epoxy tanks that were once part of Seaside’s main water system. Van der Veldt’s jury assembled the recovered pipes to contain their wines.

“First I had to peel off the external concrete coatings,” said Van der Veldt.

Surrounding the eclectic mix of winemaking equipment is a decor reflecting Van der Veldt’s passions for local history, art and music. The airship reappears as seen through painted windows on an interior wall. It was the day in 1932 that a 7-year-old Van der Veldt watched the USS Akron float above the Columbia River while visiting Astoria. A large harp sits against the opposite wall to remind Van der Veldt that taking lessons remains on his bucket list.

During the tour, Van der Veldt regaled me with stories from the Lewis & Clark Expedition, Fort Astoria, the medicinal properties of the winery’s namesake Gaultheria shallon berry, Buddhism and more. Van der Veldt, with his dry wit and dignified charm, is an Oregon treasure. Go visit him.

Shallon Winery Chocolate Orange Wine, 375 ml. bottle: $ 34. The winemaker would like everyone to know that it’s “about the same price per net ounce as your best chocolate truffles”.

1 pm-5pm, daily, 1598 Duane Street, Astoria, shallon.com or 503-325-5978.

– Michael Alberty writes on wine for The Oregonian / OregonLive. It can be reached at malberty0@gmail.com. To learn more about its coverage, visit oregonlive.com/wine.


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How To Avoid Losing Your Job If You Can’t Pay Off Your Student Debt http://sfeva.org/how-to-avoid-losing-your-job-if-you-cant-pay-off-your-student-debt/ http://sfeva.org/how-to-avoid-losing-your-job-if-you-cant-pay-off-your-student-debt/#respond Wed, 07 Apr 2021 23:15:36 +0000 http://sfeva.org/how-to-avoid-losing-your-job-if-you-cant-pay-off-your-student-debt/

Forty-four million Americans hold a total of $ 1.3 trillion in student loan debt. According to Federal Reserve, the average amount of student loan debt is $ 32,731 and the average monthly amount owed is $ 393.

Of these borrowers, 19% are behind on their payments.

If you miss a payment on your federal student loans, you have 270 days to make a payment before your debt goes into default. More … than 3000 people by default on their federal student loans every day.

Once federal student debt is in default, the government is able to garnish your salary, Social Security check, federal tax refund, and even your disability benefits.

And as debt levels rise, creditors are taking increasingly extreme measures to entice borrowers to repay their debts. In 19 states, government agencies can even seize a business license if a borrower defaults on their loans. For many workers, no license means no work.

According to records collected by The New York Times, firefighters, nurses, teachers, lawyers, massage therapists, barbers, psychologists and real estate brokers have all had their professional titles suspended for defaulting on their student loans. These records show more than 8,700 cases in which workers have had their credentials revoked or suspended due to student debt in recent years.

The government began to use aggressive collection techniques like these in the 1980s. Some states would seize wages and others would put liens on the borrowers’ cars, homes, or both. Texas and Illinois were the first to use their power over professional licenses to motivate borrowers to repay their loans.

Several states, including Hawaii, Iowa, and Massachusetts, can legally use this method, but often choose not to, in part because people who can’t work can’t repay their loans.

Shannon Otto, whose nursing license was briefly suspended after falling behind on her student loan payments, at her home in Nashville, Tennessee on October 23, 2017.

Kyle Dean Reinford | The New York Times

Shannon Otto from Nashville, Tennessee had her professional license suspended by the Tennessee Board of Nursing because she defaulted on her loans while paying off medical bills related to recurring crises. In order to renew her license and return to work, Otto would have to pay $ 1,500 – a cost she cannot afford.

“I absolutely loved my job, and it seems amazing that I can’t do it anymore,” she said. The New York Times.

Debra Curry, a nurse from Georgia, also had her license terminated because she was behind on her student loan payments. She said Time, “It was traumatic.”

Debra Curry, whose nursing license was briefly suspended after falling behind on her student loan payments, at Piedmont Henry Hospital in Stockbridge, Ga., October 23, 2017.

Audra Melton | New York time

Today, Curry pays her creditors $ 1,500 a month for fear of losing her ability to work if she falls behind. “I really want to pay off the loans,” she says. “How do you think I’ll be able to pay him back if I don’t have a job?”

How to avoid the fault

In order to avoid falling into default, borrowers should make sure to choose a repayment plan that fits their budget. The government proposes eight different repayment plans that borrowers can choose to repay their debts.

Financial writer Janet Alvarez managed to pay roughly $ 100,000 in student loans over just six years by being aggressive and choosing the Income Based Repayment Plan.

“The cardinal rule about maintaining or improving your credit is the first thing I applied to my finances, which is that all of your debts are up to date,” she says. CNBC do it. “The student debt I immediately placed on Income Based Paydown, a federally sponsored program that applies to everyone [federal] student loans that scale your payments based on your income. So if your income is zero, you pay none. “

Not all borrowers can pay off their loans as quickly as Alvarez, but there are repayment plans that allow borrowers to pay off their loans over a longer period. the Extended repayment plan, for example, gives borrowers up to 25 years to repay their loans and allows them to choose whether their payments are fixed or progressive.

And before making decisions about funding a degree, students should calculate how long it will take them to pay off their loans and estimate how much money they expect to make after graduation. By staying organized and watching interest rates, graduates can make sure they repay their loans as efficiently as possible.

Do you like this story? Like CNBC Make It on Facebook

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Gibson Dunn | New York State Legislature to Pass New Home Debt Financing Tax http://sfeva.org/gibson-dunn-new-york-state-legislature-to-pass-new-home-debt-financing-tax/ http://sfeva.org/gibson-dunn-new-york-state-legislature-to-pass-new-home-debt-financing-tax/#respond Wed, 07 Apr 2021 23:15:36 +0000 http://sfeva.org/gibson-dunn-new-york-state-legislature-to-pass-new-home-debt-financing-tax/

March 31, 2021

Click for PDF

New York State legislature appears poised to enact a new debt financing tax for commercial real estate transactions involving “mezzanine loans and preferred stock investments”[1] located only in New York, under the 2021-2022 budget.

Although similar bills have failed before, current bills appear likely to become law. The bill, reflected in Senate Bill S2509B Pt. SS and State Assembly Bill A03009B Pt. VV, would require that mezzanine debt and preferred stock investments be registered and taxed from the same way mortgages are now. However, the text of the bill leaves a number of important questions open to interpretation, including: whether the bill applies to debt and investments outside the real estate context; whether this would have a practical impact on preferred stock investments; and whether it will be applied retroactively.

The bill is also open to a variety of potential legal challenges, described below.

A 2.8% tax on “mezzanine debt or investment in preferred shares[s]”Used to finance real estate in New York

Under the bill, a lender who finances a property subject to a mortgage in New York[2] must also record “any mezzanine debt or investment in preferred shares related to the building on which the mortgage instrument is deposited”.[3] And just like registering a mortgage, registering mezzanine debt or preferred capital would be associated with a tax. The tax would be collected at the same rate and in the same manner as the tax “on the registration of a financing statement of a mortgage instrument”.[4] Currently, the New York mortgage registration tax on commercial properties is 2.8% of principal debt. Thus, borrowers from lenders whose interest is in the form of mezzanine debt or preferred shares would also have to pay an additional tax of 2.8% on the amount of debt financed under these instruments. All revenue from these new taxes would go to the New York City Housing Authority.[5]

If a lender holding mezzanine debt or preferred stock fails to account for debt or equity under the new law, or does not pay the associated tax, it will forfeit any “remedy otherwise available” under section 9. of the Uniform Commercial Code.[6] Remedies under the UCC are the usual route for owners of debt secured by interests in a legal person to seize such collateral in the event of default.

A lack of clarity

Many details of this new mezzanine debt tax remain unclear due to ambiguities in the text of the bill.

Magnitude and scope. The bill is drafted to apply to mezzanine debt or preferred stock investment “relating to … real estate” and secured debt “relating to real estate”.[7] However, the bill does not define when debt is considered “related to” or “in relation to” real estate. As such, the new law could be interpreted as covering and imposing any secured loan made to an operating company that happens to hold an indirect interest in New York City property. Such a broad scope would have profound implications for corporate debt transactions far beyond the world of mortgage debt financing. For example, a line of credit to an operating company secured by collateral on all of its assets, a small portion of which may include real estate in New York City, may be subject to tax under this bill. Among its ambiguities, the bill does not include any allocation of debt secured by equity interests in New York City real estate and other assets. In addition, it has become customary for mortgage lenders on real estate in New York – and other jurisdictions where there is a long period of time to complete a mortgage foreclosure – to require a pledge of equity interests in the mortgage. mortgage borrower as additional collateral for the loan. It is not clear whether the additional equity pledge would require payment of a second tax on the same loan when mortgage registration taxes have already been paid.

Retroactivity. Likewise, the bill does not specify whether it seeks to compel a lender to pay the registration tax for mezzanine debt or preferred shares already financed, or whether the tax would only apply to lending instruments. that occur after the bill is enacted. . However, given the well-established presumption against retroactive legislation, this same lack of clarity makes it likely that a court would interpret the bill so as not to impose a retroactive tax.[8]

Applicability of preferred shares. As mentioned above, a lender holding mezzanine debt or preferred stock that does not account would forfeit remedies otherwise available under section 9 of the UCC.[9] However, lenders who hold preferred equity investments generally do not pursue UCC remedies. Rather, because debt is structured as equity in a joint venture, defaults are treated as breaches of partnership contracts and remedies are governed by company and contract law. Thus, it is not clear whether the bill would have a practical impact in these cases.

Potential legal challenges

As drafted, the bill may be vulnerable to legal challenge on several grounds. In particular, any challenges will likely need to go to a New York State court, not a federal court. Under the Federal Tax Injunction Act, federal courts cannot prohibit “the assessment, collection or collection of tax under state law” when a remedy is available before the courts. state courts.[10]

Imprecision. As the scope of the bill is materially unclear, as noted above, it can be challenged as it is unconstitutionally vague, in violation of due process. A law is unconstitutionally vague when it “does not fairly inform the ordinary citizen that the prohibited conduct is illegal, [and] it lacks minimum legislative guidelines, which allows for arbitrary application[.]”[11] If expert industry players are unable to discern what types of transactions and investments are subject to the new tax, and different interpretations could include or exclude entire areas of debt transactions, then the bill could possibly be seen as “failing to give fair notice” and create opportunities for “arbitrary enforcement”.

Retroactivity. If the bill is interpreted to apply retroactively, it can be challenged under constitutional prohibitions against laws that “infringe upon the rights a party had when acting” or that “Impose[s] new obligations with regard to transactions already carried out. “[12]

Contract clause. Likewise, the contracts clause of the Constitution of the United States prohibits any state from “entering into[ing] any. . . Law affecting contractual obligations. “[13] To the extent that the bill is interpreted to weaken a remedy that a lender might otherwise have under a pre-existing contract, the new registration and tax hurdle of the bill is arguably unconstitutional. That said, the United States Supreme Court severely limited the scope of the contractual clause.[14]

Tax on intangible assets. Under the New York Constitution, s. 16, § 3, “[i]Tangible personal property is not taxed ad valorem and no excise tax is levied solely on account of its ownership or possession[.]The mortgage tax, on which the new bill is based, was considered not to violate this provision because it is “a tax on the privilege of registering a mortgage” and not a tax on a mortgage. property itself.[15] However, it can be argued that the new tax differs from this reasoning and does not defend itself under it. First, registration of mezzanine debt and preferred stock investments would be a requirement, not a lien, under the new bill.[16]; and second, the privileges associated with registering mezzanine debt and preferred shares would be far fewer and less important than those associated with registering a mortgage. On the other hand, the new bill probably requires registration only when a mortgage is also registered; and it would presumably grant Article 9 UCC remedies as a new lien associated with the registration of mezzanine debt and preferred equity investment.

Conclusion

If this bill were to pass – as it seems likely – the costs associated with financing commercial real estate transactions in New York would increase dramatically. However, the ambiguity of the bill in some key respects leaves open important areas of interpretation and possible legal disputes and challenges.

____________________

[1] New York State SB S2509B (2021), Pt. SS, § 1; New York State Assembly. B. A03009B (2021), pt. VV, § 1.

[2] See NYS Senate Bill S2509B, Pt. SS, §§ 1.1, 5.2 (2021) (“In a city of one million people or more …”). New York is the only city in New York State with a population large enough for this to apply.

[3] Identifier. in § 1.1.

[4] Identifier. in §§ 5.1–5.3, 5.6

[5] Identifier. at 7 O’clock.

[6] Identifier. § 1.4, 5.4.

[7] Identifier. §§ 1.4, 5.4.

[8] See St. Clair Nation v. New York City, 14 NY3d 452, 456–57 (2010) (“It is well established under New York law that retroactive application of legislation is not favored by the courts and laws will not be so interpreted. unless the wording expressly requires it or by implication necessary ”(internal quotation marks omitted)).

[9] Identifier. in §§ 1.4, 5.4.

[10] 28 USC § 1341.

[11] People Against Bright, 71 NY2d 376, 379 (NY 1988).

[12] Regina Metro. Co., LLC v. New York State Div. of Hous. & Cmty. Renewal, 35 NY3d 332, 365 (2020) (citing Landgraf v USI Film Prods., 411 US 244, 278-80 (1994)).

[13] US Const., Art. I, § 10, cl. 1.

[14] See, for example, Sveen vs. Melin, 138 S. Ct. 1815, 1821 (2018).

[15] SS Silberblatt, Inc. v Tax Commission, NY2d 635, 640 (NY 1959); see also Franklin Soc. for Home Bldg. & Sav. against Bennett, 282 NY 79, 86 (NY 1939).

[16] Compare NY RPP 291 (“A transfer of real estate… can be registered”) with Section 1.1 (“any mezzanine debt or investment in preferred shares… will also be recorded”).


Gibson Dunn attorneys are available to answer any questions you may have regarding these developments. Please contact the Gibson Dunn attorney you normally work with, any member of the firm Real Estate Practice Group, or the following authors in New York:

Andrew J. Dady (+ 1212-351-2411, adady@gibsondunn.com)
Brian W. Kniesly (+ 1212-351-2379, bkniesly@gibsondunn.com)
Andrew A. Lance (+ 1212-351-3871, alance@gibsondunn.com)

© 2021 Gibson, Dunn & Crutcher LLP

Lawyer Advertising: The accompanying documents have been prepared for general information purposes only and are not intended to provide legal advice.


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Kyle Gill: Mattoon behaved well during pandemic and sees a better future | Government and Politics http://sfeva.org/kyle-gill-mattoon-behaved-well-during-pandemic-and-sees-a-better-future-government-and-politics/ http://sfeva.org/kyle-gill-mattoon-behaved-well-during-pandemic-and-sees-a-better-future-government-and-politics/#respond Wed, 07 Apr 2021 23:15:36 +0000 http://sfeva.org/kyle-gill-mattoon-behaved-well-during-pandemic-and-sees-a-better-future-government-and-politics/

During the White House coronavirus briefing on Wednesday, Fauci said the main challenge remains a stubbornly high level of new daily cases in the country. It hovers around an average of 55,000 and has increased slightly in recent days. While this is clearly much better than the 250,000 daily cases at the peak of the winter wave, it’s uncomfortably close to the levels seen during last summer’s COVID wave.



Last year we faced major changes in our lives.

We have seen that it is not easy to adapt to health, social and economic challenges. Just like the rest of you, city officials and staff have spent many hours listening, reading, discussing and working on the changing challenges of the COVID pandemic.

The city of Mattoon is committed to addressing the issues as they have grown, and overall the city has held up well throughout the COVID pandemic.

The predicted loss of income that was projected for the city was not seen. The largest portion of Mattoon’s revenue is sales tax and we have seen an increase in tax from previous years as some of the big box stores and car dealers have seen their sales increase.

The closure of small retail stores and service establishments during the pandemic has strained the economy and small business owners.

Fortunately, 26 different businesses in Coles County have received between $ 5,000 and $ 150,000 in Business Interruption Grant Program (BIG) funds to help them weather the pandemic. The first round of the Paycheck Protection Program (PPP) helped 349 small businesses in Mattoon receive nearly $ 25 million in forgivable loans to help keep their employees paid and employed.

The Town of Mattoon, with the help of the Mattoon Chamber of Commerce, Coles Together and Coles County Regional Planning, was able to apply for and obtain seven Small Business Stabilization Grants for Mattoon Businesses.


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Funding issues persist over Bright Futures scholarships http://sfeva.org/funding-issues-persist-over-bright-futures-scholarships/ http://sfeva.org/funding-issues-persist-over-bright-futures-scholarships/#respond Wed, 07 Apr 2021 23:15:36 +0000 http://sfeva.org/funding-issues-persist-over-bright-futures-scholarships/

TALLAHASSEE – One of the most publicized education bills of this legislative session was largely overturned on Tuesday by the collective fury of a group of students trying to “save” the popular Bright Futures College scholarship program from the state.

The proposal, sponsored by Sen. Dennis Baxley, would have reduced Bright Futures scholarships based on specific majors that “don’t lead directly to employment.” It would also have reduced scholarships based on the number of college credits students earned through advanced placement and other related programs.

But students, outraged by the proposed cuts, concocted a coordinated effort to oppose Senate Bill 86. They used social media and organized a popular lobbying effort to increase pressure on Baxley and other lawmakers to drop the idea. Their efforts, for the most part, paid off on Tuesday.

At Baxley’s request, the Senate Education Appropriations subcommittee revised the bill and removed the proposed scholarship cuts. In an interview, Baxley said the student opposition had “absolutely” influenced the changes in the bill.

“Believe it or not, it still means a lot to us,” said the Ocala Republican.

Despite the changes, students remain concerned that the bill still allows lawmakers to set scholarship amounts as part of the budget process, rather than keeping them tied to tuition and fees.

“It wouldn’t guarantee how much money we get,” said Grant Stacey, a high school student from Port Charlotte who was part of the student-led group “Save Bright Futures”.

Bright Futures scholarships currently cover 75% or 100% of student tuition fees, depending on merit and high academic achievement. Stacey said the group plans to continue emailing lawmakers to make sure they don’t change that policy.

Related: Out-of-State Students with Florida Grandparents May Receive In-State Tuition

Baxley, however, said the Legislature should have spending flexibility over scholarship amounts to meet “the realities of the current economic environment.”

“We cannot promise eternal promises,” Baxley told Senators. “We cannot tie future legislatures to this commitment… some of them will have great realities and others will have difficult realities.”

Amid a global pandemic, lawmakers have warned of budget cuts. Members of the House and Senate plan to unveil their separate budget plans later this week, marking the official start of legislative budget negotiations.

Baxley maintains that he has “no intention of trying to reduce” the scholarship amounts. But it remains to be seen if Bright Futures will hit the cutting board.

“It’s a live process and I don’t have a sense of that direction,” Baxley told The Times / Herald, when asked about the potential cuts.

Scratch the lottery money

The Florida Bright Futures Scholarships have been funded by the Florida Lottery since their inception in 1997.

The Florida Lottery was created on the promise that it would go towards education, at all levels. There was $ 2.2 billion available in the Education Improvement Trust Fund this fiscal year, of which $ 1.9 billion came from the Florida Lottery. Bright Futures received $ 651.8 million in 2020-2021.

“There are a lot of things in the lottery to fund this [Bright Futures] and more, ”said Senator Tina Polksy, D-Boca Raton.

Baxley agreed that the lottery money was going towards education, although he said it was a “very wide space”.

“We have made the conscious decision to prioritize our scholarship program,” he said. “But the Constitution says it’s for education.”

Senator Manny Diaz, R-Hialeah, who voted in favor of the bill, said the legislature should have the flexibility to fund the program during the budget process. Senator Travis Hutson, R-St. Augustine, supported Diaz’s point, and noted that nothing in Baxley’s bill “shows that we are cutting funding to Bright Futures”.

Senate Democrats, however, were skeptical of the Republicans’ intentions.

Senator Janet Cruz, for example, was concerned that the bill on the table would allow the Republican-dominated legislature to cut scholarship amounts, even though the bill did not explicitly say so.

The Tampa Democrat pushed for changes to the bill to ensure Bright Futures scholarships were tied to tuition and fees. But the Republican majority refused it.

Does he have wings?

Governor Ron DeSantis, meanwhile, has said he wants the Legislature to fully fund scholarships for the next fiscal year.

“I think Bright Futures is something that families in Florida have relied on,” he told reporters last week. “It’s something that I support. I fully funded it in my budget, and we hope the Legislature will follow suit as well. “

The governor’s comment, coupled with a statement from House leaders that they are not considering a Bright Futures bill, offers strong signals that the measure may not be ultimately approved.

But Baxley has suggested that whether or not the bill passes, his bill started a conversation about the value of degrees at Florida colleges and universities.

His bill, for example, would require the Board of Governors to publish an online dashboard with data on graduates from various fields of study, including median post-graduation salaries and loan debts. students.

In a letter to his colleagues in the Senate on Monday morning, he explained that his bill aimed to view higher education as an investment. He added that students should plan ahead and have a job as their end goal.

“We have awakened a giant,” Baxley wrote. “We need to reconnect the educational and economic model and we have started this process.

• • •

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Kirby and Bright return for England games with France and Canada as Houghton misses http://sfeva.org/kirby-and-bright-return-for-england-games-with-france-and-canada-as-houghton-misses/ http://sfeva.org/kirby-and-bright-return-for-england-games-with-france-and-canada-as-houghton-misses/#respond Wed, 07 Apr 2021 23:15:36 +0000 http://sfeva.org/kirby-and-bright-return-for-england-games-with-france-and-canada-as-houghton-misses/

The duo missed Hege Riise’s first game at the helm of the Lionesses in February, which ended in a 6-0 win over Northern Ireland.

Fran Kirby and Millie Bright are all back in the England squad ahead of April’s friendlies against France and Canada, but they will be without captain Steph Houghton due to injury.

The defender suffers from an Achilles problem that ruled her out of Manchester City’s Champions League quarter-final first leg with Barcelona last week, Head coach Gareth Taylor admits it’s unclear when she’ll be back.

Kirby and Bright missed February’s game with Northern Ireland due to their own injuries, with the duo returning on the occasion alongside Chelsea team-mates Niamh Charles and Carly Telford, both recalled. Karen Bardsley is also back as one of four goalkeepers for the 24-man squad.

Sandy MacIver, Lotte Wubben-Moy and Ella Toone are included again after making their senior international debuts last month in what was Hege Riise’s first game in charge after being appointed interim head coach.

Who is and who is absent?

Ebony Salmon and Hannah Hampton were both called up in February, but are both absent from that squad. Hampton was recently barred from competing for this summer’s GB squad in a high-profile incident which saw Federation Football apologize. The young goalkeeper received the news less than two hours before playing a Women’s Super League game for Birmingham.

Salmon was a late replacement for Nikita Parris, who is still missing this month. The Lyon striker was not released by his club the last time, and this time his omission is due to a Covid-19 epidemic among the French champions.

Demi Stokes returns despite an injury at the weekend in Man City’s win over Reading, while Beth England, who has missed Chelsea’s last four games with a concussion, is also included.

It will be the first game England has played without their injured captain Houghton since November 2019.

What are the dates in England?

England will face France on April 9 at the Stade Michel d’Ornano in Caen. This will be their first trip to France since the 2019 Women’s World Cup, in which they reached the semi-finals.

Four days later, the Lionesses face Canada, led by a familiar face of Bev Priestman. The 34-year-old was with England for two years under Phil Neville, coaching the Under-17s and also serving as Neville’s assistant.

She had spent five years with Canada Soccer prior to that and was named the new head coach of Canada’s senior team in October of last year.

What is the entire team?

Goalkeepers: Ellie Roebuck (Manchester City), Sandy MacIver (Everton), Carly Telford (Chelsea), Karen Bardsley (OL Reign, on loan from Manchester City).

Defenders: Lucy Bronze (Manchester City), Rachel Daly (Houston Dash), Niamh Charles (Chelsea), Leah Williamson (Arsenal), Millie Turner (Manchester United), Millie Bright (Chelsea), Lotte Wubben-Moy (Arsenal), Demi Stokes ( Manchester City), Alex Greenwood (Manchester City).

Midfielders: Fran Kirby (Chelsea), Georgia Stanway (Manchester City), Ella Toone (Manchester United), Jill Scott (Everton, on loan from Manchester City), Jordan Nobbs (Arsenal), Keira Walsh (Manchester City).

Attackers: Lauren Hemp (Manchester City), Chloe Kelly (Manchester City), Beth England (Chelsea), Ellen White (Manchester City), Beth Mead (Arsenal).

Further reading


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2016 Brilliant Silver Metallic Clearcoat Ram 2500 | Trucks http://sfeva.org/2016-brilliant-silver-metallic-clearcoat-ram-2500-trucks/ http://sfeva.org/2016-brilliant-silver-metallic-clearcoat-ram-2500-trucks/#respond Wed, 07 Apr 2021 23:15:36 +0000 http://sfeva.org/2016-brilliant-silver-metallic-clearcoat-ram-2500-trucks/

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Detroit Breathe protesters make noise at Rocket Mortgage Classic http://sfeva.org/detroit-breathe-protesters-make-noise-at-rocket-mortgage-classic/ http://sfeva.org/detroit-breathe-protesters-make-noise-at-rocket-mortgage-classic/#respond Wed, 07 Apr 2021 23:15:35 +0000 http://sfeva.org/detroit-breathe-protesters-make-noise-at-rocket-mortgage-classic/

Detroit Golf Club was not calm on Sunday.

The first three days of the PGA Tour Classic Rocket Mortgage, played without spectators, was so quiet that third-round leader Matthew Wolff could hear an ice cream truck playing in the distance.

Detroit Breathe protesters sing Black Lives Matter during round four of the Rocket Mortgage Classic golf tournament outside the Detroit Golf Club in Detroit on Sunday, July 5, 2020.

Just before 3:00 p.m. Sunday, noise levels at the tournament increased as 75 “Detroit Will Breathe” protesters showed up outside the main gates of the clubhouse, which is near the ninth green and the 10th tee box.

Protesters brought in megaphones to protest an “exclusive event” that shows how Mayor Mike Duggan and his administration “bend over backwards for billionaires,” alluding to Dan Gilbert – the owner of Rock Ventures, Quicken Loans and the Cleveland Cavaliers.

“Gilbert and his affiliates largely funded private security and surveillance in downtown Detroit,” the protest organization posted on Instagram. “They also make significant donations to DPD through the Detroit Public Safety Foundation.”




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