Debt Resolution Technology to Alleviate Alarming CFPB Findings and Disrupt Debt Settlement Industry

New Online Student Debt Negotiation Tool Could Ease Distressing CFPB Findings and Help Safeguard Consumers Against Fraudulent Debt Settlement Activities

Bunch & Brock, Attorneys at Law, encourages individuals with financial difficulties to improve their financial situation by using their tax refund to file for bankruptcy.

For Scots who are struggling with debts, a debt arrangement scheme (DAS) could be the solution they are looking for.

Program Helps Taxpayers Who Owe the IRS

The original OPV Solar Trees of the German Pavilion at the EXPO 2015 world exhibition in Milan have been reinstalled in Darmstadt.

Season 1: Ep. 1: Lessons We Must Learn From 1918 Influenza Pandemic? A Wake-Up Call for Our Generation!

International manufacturer adds "blended" machines to their industry-leading offerings

Visit Booth #D46955 during FABTECH in Chicago to learn more about the VJ-3 video borescope.

Stewart Law Offices recently partnered with RIP Medical Debt to alleviate $559,202 of the mountains of medical debt currently burdening families in several South Carolina communities

When keeping it safe goes wrong, this LGBT-owned business is helping smart vacuums go further

Hydro Labs is expanding DeFi Globally in 2020 by offering a full suite of DeFi services to any user, merchant, financial institution or government anywhere in the world. Republic will assist Hydro Labs with enterprise partnerships and fundraising.

Bob Sutton, Stanford University professor and author of "The No Asshole Rule."

3 deals in 3 weeks: Mukesh Ambani’s plans on track to make Reliance debt-free despite COVID-19 pandemic

Liquidating assets to pay off debts is recommended only if you find it difficult to pay EMIs.

Amfi data released on Friday showed SIP inflows fell 3 per cent to Rs 8376.11 in April.

The Franklin Templeton Mutual Fund fiasco seems to have hit the debt mutual fund space very hard. The data released by Association of Mutual Funds in India or Amfi reveals that most debt mutual fund categories have witnessed outflows in the last month.

​​ET Wealth studies the quality of papers held by the five largest schemes of different debt fund categories to see if investors should be worried.

While investing a debt mutual fund, one should make sure the category suits your time frame.

Investors and advisors alike have been very unkind to this Thirteen Lakh Crore category of Mutual Funds, because of one of its sub categories: Credit Risk Funds, managed by Franklin Templeton Mutual Fund.

The board has considered and approved the proposal to raise debt of up to Rs 2,000 crore, a company statement said.

'Indian farmers could be rich if the govt would leave them alone'

The Irish people are repaying a debt of gratitude to Native Americans suffering from COVID-19, 170 years after a tribe helped Ireland during the Great Famine.

The post Irish People Are Repaying Debt of Gratitude to Suffering Native Americans 170 Years After Potato Famine appeared first on Good News Network.

Chet Culver really should have known better.

Iowa’s former Democratic governor wrote a letter to current Republican Gov. Kim Reynolds decrying her administration’s declaration that workers who refuse to return to jobs amid COVID-19 fears would be denied unemployment benefits. He was among many who questioned whether Reynolds’ policy is even lawful, considering that unemployment rules allow Iowans to claim benefits for unsafe, intolerable or detrimental working conditions.

“Any such ill-conceived scheme that deprives them of choice and forces those hardworking, yet vulnerable, employees to report to unsafe workplace environments, while the positive incidences of COVID-19 infection are on the rise, is not merely penny-wise and pound-foolish — it is just plain wrong,” Culver argued.

But Culver should have known any overture for the rights of workers during the pandemic would fall on deaf ears. We learned Tuesday that more than 1,600 workers at four meatpacking plants tested positive for the virus. Reynolds continues insisting companies such as Tyson, with more than 1,300 cases at three facilities, are doing all they can to protect workers. In one Tyson facility at Perry, 58 percent of its employees contracted the virus.

Culver lost in 2010 to the Branstad-Reynolds ticket, a team that would go on to gut collective bargaining for public employees and make it far more difficult for injured workers to get compensation, among other greatest hits composed by its big business allies.

And Culver was bounced from office after issuing bonded debt to help Iowa communities, including Cedar Rapids, recover from natural disasters of 2008. Republicans dubbed him “Big Debt Chet” and decried his mismanagement of a crisis.

Strong management, apparently, is Reynolds’ decision to partially reopen 77 counties even as COVID-19 case numbers grow and deaths mount, and before ramped up testing and modeling provide critical information on the scope of the virus.

On Monday Reynolds received a lofty “A” grade from FreedomWorks and the Committee to Unleash Prosperity. Reynolds appeared on a conference call sponsored by the groups to talk about her strategy for reopening Iowa.

FreedomWorks and the Committee to Unleash Prosperity are conservative groups playing a key role in organizing “liberation” protests in Wisconsin, Oklahoma and elsewhere. FreedomWorks, with roots in the Tea Party movement, has been mobilizing local protesters and organizing events, according to The New York Times. It’s also conducting tracking polls in swing congressional districts and sharing data with presidential advisers and congressional staff.

“This isn’t political, and it shouldn’t be for anybody,” Reynolds told reporters this week when asked about her virus response.

FreedomWorks is among 24 groups who sent a letter to the president in April urging him to waive the Renewable Fuel Standard for the rest of the year due to pandemic concerns, potentially freeing Iowa farmers from more of their already scarce income.

So step aside Big Debt Chet. We’re unleashing prosperity. Even if workers get trampled.

(319) 398-8262; todd.dorman@thegazette.com

Patterns can be a powerful way to quickly add some real texture to your artwork with very minimal effort. In one-click you have beautiful texture overlays that will...

The post Seamless Vector Subtle Grunge Patterns appeared first on Function Design Blog.

Astronomers have produced a remarkable new image of Jupiter, tracing the glowing regions of warmth that lurk beneath the gas giant's cloud tops. The picture was captured in infared by the Gemini North Telescope in Hawaii, and is one of the sharpest observations of the planet ever made from the ground.

During VR demos we have performed over last few years, many participants (in the absence of any haptic feedback) have commented on their perceived ability to 'feel' differences between simulated molecular objects. The mechanisms for such 'feeling' are not entirely clear: observing from outside VR, one can see that there is nothing physical for participants to 'feel'. Here we outline exploratory user studies designed to evaluate the extent to which participants can distinguish quantitative differences in the flexibility of VR-simulated molecular objects. The results suggest that an individual's capacity to detect differences in molecular flexibility is enhanced when they can interact with and manipulate the molecules, as opposed to merely observing the same interaction. Building on these results, we intend to carry out further studies investigating humans' ability to sense quantitative properties of VR simulations without haptic technology.

Disclosed is a resin precursor composition including a bifunctional (meth)acrylate containing a fluorine atom, a bifunctional (meth)acrylate having a fluorene structure, and a photopolymerization initiator, the resin precursor composition in which the formation of precipitates during its storage is suppressed; and a resin obtained from the same. Specifically disclosed is a resin precursor composition that contains a bifunctional fluorine-containing (meth)acrylate (component A); a (meth)acrylate having a fluorene structure (component B); and a photopolymerization initiator (component C), wherein the component B includes a bifunctional (meth)acrylate having a fluorene structure (b-1) and a monofunctional (meth)acrylate having a fluorene structure (b-2) at a molar ratio (b-1):(b-2) of 90:10 to 70:30.

Embodiments of the present invention relate to a method and an apparatus for obtaining equipment identification information, where the method includes: detecting, by using a first GPIO port, a first discharging duration for a capacitor to discharge through a resistor to be tested; detecting, by using a second GPIO port, a second discharging duration for the capacitor to discharge through a fixed value resistor; and obtaining a resistance of the resistor to be tested according to the first discharging duration, the second discharging duration, and a resistance of the fixed value resistor. The embodiments of the present invention are capable of increasing identification efficiency of the GPIO port.

An object of the present invention is to provide a method for producing a conductive material that allows a low electric resistance to be generated, and that is obtained by using an inexpensive and stable conductive material composition containing no adhesive. The conductive material can be provided by a producing method that includes the step of sintering a first conductive material composition that contains silver particles having an average particle diameter (median diameter) of 0.1 μm to 15 μm, and a metal oxide, so as to obtain a conductive material. The conductive material can be provided also by a method that includes the step of sintering a second conductive material composition that contains silver particles having an average particle diameter (median diameter) of 0.1 μm to 15 μm in an atmosphere of oxygen or ozone, or ambient atmosphere, at a temperature in a range of 150° C. to 320° C., so as to obtain a conductive material.

A method for producing an emulsion is provided. At least a fluid to be processed that forms continuous phase and a fluid to be processed that forms dispersed phase are mixed in a thin film fluid formed between processing surfaces arranged to be opposite to each other so as to be able to approach to and separate from each other, at least one of which rotates relative to the other, whereby the emulsion having variation coefficient of 0.3 to 30% in a particle size distribution is obtained.

A process for preparing isophorone (3,5,5-trimethyl-2-cyclohexen-1-one) is provided wherein distillation vapors from the work-up of product fractions are recycled to earlier stages of operation of the process.

An α-amylase from Bacillus subtilis (AmyE) produces significant amounts of glucose from various carbohydrate substrates, including vegetable starch, maltoheptaose, and maltotriose. Among other things, this advantageous property allows AmyE or variants thereof to be used in a saccharification reaction having a reduced or eliminated requirement for glucoamylase. The reduction or elimination of the glucoamylase requirement significantly improves the efficiency of the production of ethanol or high fructose corn syrup, for example.

Non-ionic water-soluble cellulose ethers modified with 3-azido-2-hydroxypropyl groups bound via an ether link are provided having a molar degree of substitution MSAHP in the range from 0.001 to 0.50. Exemplary cellulose ethers are alkyl celluloses, including methyl, hydroxyalkyl (e.g. hydroxyethyl or hydroxypropyl) or alkylhydroxyalkyl cellulose (e.g. methylhydroxyethyl). Reaction products with alkyne compounds are also provided, resulting in a terminal alkyne group. The reaction of azide with the alkyne proceeds as a 1,3-dipolar cycloaddition reaction, advantageously with Cu(I) or ruthenium catalysts. A multiplicity of cellulose ethers can be obtained from the conversion reaction. Variations in the macroscopic properties can be achieved by controlled modification, ranging from increased or reduced viscosity. The reaction, taking place within a few seconds, requires only minimal catalyst. Gel formation is reversible by adjustment of the pH such that a monophasic system (high-viscous fluid) arises again from a biphasic system (gel+low-viscous water phase).

The described invention provides a disposable handheld biopsy device for taking biopsies, the biopsy device comprising a tissue cutting assembly which has features to control the tissue length that will be severed by the cutting assembly; and a vacuum assembly which has features to control the vacuum level. The disposable handheld biopsy device of the described invention is simple, lightweight, portable, and cost effective to manufacture and dispose of.

A new functionalized polyhedral octavinylsilsesquioxanes having the general formula 1, in which R1 denotes: (1) any aryl group other than a non-substituted phenyl or a phenyl substituted in position four with a halogen or the groups-trimethylsilylethynyl, 4,4,5,5-tetramethyl-1,3-dioxaborolane-2-yl, 3,4-dimethoxyphenyl, 3',5'-bis(methoxycarbonyl)phenyl or benzo[d][1,3]-dioxol-5-yl; (2) any heteroaryl group; or (3) groups including coupled aromatic rings. Additionally, a method to obtain new and known functionalized polyhedral octavinylsilsesquioxanes having the general formula 1, by the silylating coupling of octavinylsilsesquioxane with olefins in the presence of a ruthenium complex catalyst.

A problem of the present invention is to prevent a base layer beneath the layer to be irradiated with light from deterioration in property and a functional thin film from deterioration in property as the fine patterning of a functional film is performed with light irradiation. Means for solving the problem is a compound obtained by dimerizing with light irradiation a compound (A) containing a group that has photosensitivity and can be photodimerized and a group having lyophilicity and a compound (B) containing a group that has photosensitivity and can be photodimerized and a group having liquid-repellency.

The invention refers to a centrifuge for separating whole blood into its blood components and a method for extracting a highly enriched thrombocyte concentrate out of whole blood. For this purpose, the centrifuge comprises a closed loop and/or open-loop control unit as well as a drive unit coupled to the closed loop and/or open-loop control unit, a rotor (12) having at least two container receptacles (14a, 14b; 16a, 16) for removably holding containers (18, 20, 22, 24) being in fluid communication with each other, at least one sensor arranged between the container receptacles (14a, 14b; 16a, 16b) and coupled with the closed loop and/or open-loop control unit for detecting a separation layer. Herein, a motor/gear unit (30a, 30b, 32a, 32b) coupled to the closed loop and/or open-loop control unit is associated with each of the container receptacles (14a, 14b; 16a, 16b). Each of the motor/gear units is in operational contact through means (34) with each of the containers (18, 20, 22, 24) supported in the respective container receptacle (14a, 14b; 16a, 16b) such that a transfer and back-transfer of blood components between the containers (18, 20, 22, 24) is initiated.

A vinyl chloride-based resin latex which froths little when unreacted monomer remaining in the latex are recovered under heat and reduced-pressure conditions, and a thermal transfer image-receiving sheet which has satisfactory water resistance, does not yellow during storage, and gives images having excellent durability and light resistance. The invention provides a vinyl chloride-based resin latex contains a copolymer containing a vinyl chloride and an epoxy-group-containing vinyl or contains vinyl chloride, an epoxy-group-containing vinyl, and a carboxylic acid vinyl ester, wherein a content of the epoxy-group-containing vinyl is 0.1% by weight or more but less than 3% by weight, and wherein the latex contains no surfactant, and has a solid concentration of 25% by weight or more; a process for producing the latex; and a thermal transfer image-receiving sheet obtained using the latex.

A computer-implemented method, system, and computer program product are disclosed for updating simulation models of a subterranean reservoir. An ensemble of reservoir models representing a subterranean reservoir having non-Gaussian characteristics is provided and the ensemble of reservoir models is updated using a subspace ensemble Kalman filter. Kemal principle component analysis parameterization or K-L expansion parameterization can be used to update the ensemble of reservoir models.

Methods for creating and using space-time surrogate models of subsurface regions, such as subsurface regions containing at least one hydrocarbon formation. The created surrogate models are explicit models that may be created from implicit models, such as computationally intensive full-physics models. The space-time surrogate models are parametric with respect to preselected variables, such as space, state, and/or design variables, while also indicating responsiveness of the preselected variables with respect to time. In some embodiments, the space-time surrogate model may be parametric with respect to preselected variables as well as to time. Methods for updating and evolving models of subsurface regions are also disclosed.

An optical transceiver has a communications mode and an optical time domain reflectometer (OTDR) mode. The transceiver comprises a transmitter channel and a receiver channel operable, in the communications mode, to respectively transmit and receive communications signals through respective external optical fibers. The transceiver also comprises a guide arrangement for guiding, in the OTDR mode, a reflected OTDR signal along a path from the transmitter channel into the receiver channel. A method of obtaining test data for an optical fiber in an optical data communications subsystem is also disclosed.

A sizing composition for insulating products based on mineral wool, in particular on glass or on rock, includes at least one monosaccharide and/or at lest one polysaccharide, and at least one organic polycarboxylic acid having a molar mass of less than or equal to 1000. Another subject-matter of the present invention is the insulating products based on mineral fibres thus obtained and the process for the manufacture thereof.

Provided is a zinc-plated steel sheet for hot pressing having outstanding surface characteristics, comprising: a steel foundation plate comprising a metal surface diffusion layer of which the Gibbs free energy reduction per mole of oxygen during oxidation is less than that of Cr; an aluminum-rich layer containing at least 30 wt. % of aluminum formed on the surface diffusion layer, and a zinc plating layer formed on the aluminum-rich layer. In this way, a metal having a low affinity for oxygen is coated to an effective thickness prior to annealing and thus the creation of annealing oxides at the surface of the steel sheet is suppressed and a uniform zinc plating layer is formed, and alloying of the zinc plating layer is promoted during press-processing heat treatment. Cracking in the steel foundation plate during hot press molding is prevented.

Systems and methods for updating status of digital certificate subkeys. A request is made to a key server to verify if a given key is revoked. If it is not, then the key with its subkeys is acquired from the key server. If one or more subkeys or signatures of the subkeys are different in the acquired key, then the key is replaced.

Methods, apparatus, and articles of manufacture to encode auxiliary data into text data and methods, apparatus, and articles of manufacture to obtain encoded data from text data are disclosed. An example method to embed auxiliary data into text data includes assigning source data to one of a plurality of groups, the source data comprising text data, identifying a symbol to be added to the source data based on an assigned group of the source data, and generating encoded data by including in the source data a text character representative of the symbol.

An information storage medium storing subtitle text-based information, and a method and apparatus utilizing same, process a subtitle The information storage medium includes: dialog information which contains script text information of the subtitle and information specifying an output type of the script text; and presentation information which contains style information used to convert the script text into a bitmap format through rendering. With this structure, the amount of data required for a subtitle and the amount of data that should be processed when a subtitle is output may be greatly reduced.

An apparatus comprising an optical medium, a power splitter coupled to the optical medium, a first delay line coupled to the power splitter such that the power splitter is positioned between the first delay line and the optical medium, a first comb reflector coupled to the first delay line such that the first delay line is positioned between the first comb reflector and the power splitter, and a second comb reflector coupled to the power splitter but not the first comb reflector and not the first delay line. A method comprising receiving an optical signal, splitting the optical signal into a first split optical signal and a second split optical signal, delaying the first split optical signal, tuning the delayed first split optical signal, tuning the second split optical signal, and delaying the tuned second split optical signal.