Accounts – Universo Viviente http://universoviviente.com/ Tue, 24 May 2022 05:36:31 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://universoviviente.com/wp-content/uploads/2021/05/cropped-icon-32x32.png Accounts – Universo Viviente http://universoviviente.com/ 32 32 Oak Park Financial Payday Loans Online: Pay Your Unexpected Bills Regardless of Your Credit Situation https://universoviviente.com/oak-park-financial-payday-loans-online-pay-your-unexpected-bills-regardless-of-your-credit-situation/ Tue, 24 May 2022 05:36:14 +0000 https://universoviviente.com/?p=4009 Since the beginning of the Internet age, the business of payday lending has experienced a phenomenal increase. A growing number of people are using online to obtain money when an unexpected cost arises. Many payday lenders are flogging the web to take their fair share of clients by providing instant loans to those who require urgent cash. However, with all the benefits they provide, payday loans, and their services offer, it remains subject to debate by many. This article outlines some of the benefits and drawbacks of payday loans.

Loans with time-bound terms

Traditional lenders are prone to a long application process prior to the loan being granted the final approval. Therefore, getting a loan in time to cover the needs of a temporary emergency from a traditional lender rarely does well. But, payday loans have an easy application process and provide access to cash without documentation to fax. This is among the primary reasons for making payday loans a hit and is a good alternative to look into in desperate moments. Payday loans are fast and easy to get when unexpected expenses occur.

Whether you need a PS100 loan or anything up to PS5000 over a period of 12 months, a reliable site can help you find access to the best available loans, without any unnecessary hidden charges.

Works on high-interest rates

Despite the substantial benefit mentioned above, many reviewers accuse payday lending of exploitation of the low-income communities they target. The high rates of interest for loans provided have been a cause for worry to many. The doors of most of the top lenders are closed completely to those who have bad credit, payday loans provided by payday lenders aid people who lack funds to cover the urgent costs. In simple terms, payday loans are for the majority of people but are primarily employed by customers who aren’t banked throughout the UK. Since payday lenders offer loans that are not secured to the less-banked, the chance of loan defaulters is large, and this is the main reason for the high-interest rate for a payday loan. If a borrower is planning to pay off a loan prior to the end of the repayment period it is possible that the loan will be less expensive in rate.

It is not suitable for every purpose

The typical use of a cash advance is used to cover unexpected costs. There are numerous reasons for your unexpected monthly cash shortage. However, if you’re taking the money to pay off another loan, then it’s time to evaluate your financial situation. Extending or rolling over is not recommended since you are likely to become accustomed to it and will never be able to pay off your debt. Making timely payments can help boost the quality of your credit rating.

Never skip payments

A payday loan typically runs from payday to paycheck. However, some lenders offer monthly installments as well. However, you should don’t miss payments. If you know of the possibility of not being enough to cover the month ahead, call to notify the payday loan provider. This can prevent the possibility of incurring additional charges and late fees. A prior notice of your intention to pay the lender can signal your intention to pay back the loan incomplete. It also helps to avoid any sorts of issues that can arise from late payment.

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Developer secures $ 42 million construction loan for medical office building https://universoviviente.com/developer-secures-42-million-construction-loan-for-medical-office-building/ https://universoviviente.com/developer-secures-42-million-construction-loan-for-medical-office-building/#respond Thu, 08 Apr 2021 02:38:28 +0000 https://universoviviente.com/developer-secures-42-million-construction-loan-for-medical-office-building/ [ad_1]

Knighthead Funding has provided an initial mortgage of $ 42 million for the construction of a seven-story medical office building on the site of a church in Astoria, Queens NY.

With the 24-month loan, the sponsor, a local partnership led by Emanuel Westfried and operating as Astoria Crescent Owner LLC, will move forward with the building (made tall) that was to begin construction when the pandemic of Covid-19 struck last March. .

The property is 65 percent pre-let to the Mount Sinai Hospital.

Located at 30-14 Crescent Street across from Mount Sinai Hospital, the Church of the Redeemer was sold to the developer by the Archdiocese of Long Island for $ 10.8 million in December 2020.

The church had previously obtained its own approval to transform the building into a new, seven-story, 84,746 s / f medical center with an underground parking lot for 101 cars and a storage area for 15 bicycles. Previous plans showed that an outpatient diagnostic or treatment healthcare facility would occupy most of the building.

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Lawmakers vote to invest part of the Legacy Fund in North Dakota companies https://universoviviente.com/lawmakers-vote-to-invest-part-of-the-legacy-fund-in-north-dakota-companies/ https://universoviviente.com/lawmakers-vote-to-invest-part-of-the-legacy-fund-in-north-dakota-companies/#respond Thu, 08 Apr 2021 02:38:18 +0000 https://universoviviente.com/lawmakers-vote-to-invest-part-of-the-legacy-fund-in-north-dakota-companies/ [ad_1]

The Senate unanimously adopted Bill 1425 on Monday, March 29, a month after the House approved the bill. A Burgum spokesperson declined to comment on the bill or whether the Republican governor would sign it.

The proposal sets a target for the State Investment Board to designate up to 10% of tax revenue going to the voter-approved Legacy Fund to create loans suitable for cities, counties and businesses in North Dakota. Another allocation of up to 10% would be intended to invest in stocks and other stocks of companies based in North Dakota.

The Legacy Fund, which derives from 30% of state oil and gas tax revenues, currently holds nearly $ 8.2 billion. Currently, only about 1% of the Legacy fund is invested in a North Dakota business loan program. Most of the rest of the money goes to investments in companies based out of state.

The idea of ​​investing more in the locally fledgling fund gained momentum last year, with Insurance Commissioner Jon Godfread, a member of the investment board, lending his support to the cause.

The bill’s sponsor, Representative Mike Nathe, R-Bismarck, said the plan would provide much-needed capital to communities for infrastructure projects, while promoting emerging businesses in the state. Godfread said the legislation would help North Dakota achieve “the self-investing multiplier.”

Nathe notes that her bill only sets targets for investing up to one-fifth of the fund in the state and that the investment board may never reach that level.

Senate Majority Leader Rich Wardner R-Dickinson said the Legislature was taking “a small step” in investing the Legacy Fund in the state by passing the bill on Monday.

The board has already taken steps to direct more investment in the state, said Dave Hunter, director and chief investment officer of the State Retirement & Investment Office. Hunter said the board’s goal was to invest 5% of the Legacy Fund’s incoming income in a program through the Bank of North Dakota that provides low-interest loans to businesses in the State.

The board is also working on hiring one or two investment managers to oversee a new investment program in the state, Hunter said. This program would target 3% of the fund towards North Dakota-centric investments, but details are still being worked out. Hunter said the shift to more investment in the state will take a long time.

The bill adopted on Monday is one of the three main proposals concerning the Heritage Fund. The Senate will soon consider a massive collage package and the legislation which distributes the profits of the Legacy fund in the years to come.

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Abandoned $ 1.6 billion Missouri resort community goes viral https://universoviviente.com/abandoned-1-6-billion-missouri-resort-community-goes-viral/ https://universoviviente.com/abandoned-1-6-billion-missouri-resort-community-goes-viral/#respond Thu, 08 Apr 2021 02:38:05 +0000 https://universoviviente.com/abandoned-1-6-billion-missouri-resort-community-goes-viral/ [ad_1]

It is spookier than a haunted house – and much more expensive!

A ghost town of mansions in Missouri that was supposed to become a $ 1.6 billion resort community went viral on social media this week.

Spooky footage shows large abandoned ruined mansions among overgrown plants at the Indian Ridge Resort in Branson – more than a decade after the housing market slump, TikTok user @ carriejernigan1 posted this weekend.

“Have you ever seen a housing estate full of abandoned mansions?” ” she asks in the video, which had garnered more than 2.1 million “likes” on Thursday.

“It was supposed to be a $ 1.6 billion resort community. It was going to have one of the largest water parks in the country, golf courses, hotels, conference centers and shops, ”she said.

“But instead, it turned into a ghost town when the 2008 housing crisis hit. Five people ended up in federal prison. And 13 years later, the houses are right there. “

The Indian Ridge Resort in Branson was a $ 1.6 billion resort community that is now vacant, according to TikTok user @ carriejernigan1.
TIC Tac
The Indian Ridge Resort in Branson
Images posted by TikTok user @ carriejernigan1 show the houses in poor condition.
TIC Tac

The developers wanted the resort to have a marina, a 390-room hotel, a museum and the world’s second-largest indoor water park, a local resort. KYTV-TV declared in 2017.

But after those involved in the project were sent to jail – including two who lied to get development loans – it was never completed.

Watchers this week called the once swanky homes “spooky” and “nightmarish.”

“I want to go but it looks haunted,” said one TikTok user.

“I’ve been there and it’s one of the worst feelings I’ve ever had,” said a second observer.

Another confessed simply: “I’m scared.

Abandoned $ 1.6 billion mansions of the Indian Ridge Resort community in Missouri.
Abandoned $ 1.6 billion mansions of the Indian Ridge Resort community in Missouri.
carriejernigan1

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COVID NYC Update: Hunts Point Produce Market Workers Strike Over Wage Dispute https://universoviviente.com/covid-nyc-update-hunts-point-produce-market-workers-strike-over-wage-dispute/ https://universoviviente.com/covid-nyc-update-hunts-point-produce-market-workers-strike-over-wage-dispute/#respond Thu, 08 Apr 2021 02:37:47 +0000 https://universoviviente.com/covid-nyc-update-hunts-point-produce-market-workers-strike-over-wage-dispute/ [ad_1]

NEW YORK (WABC) – For the first time in decades, workers at Hunts Point Produce Market are on strike over a wage dispute.

Workers want a $ 1 an hour increase and more health care support.

They say the market has billions of dollars in sales and received more than $ 15 million in repayable PPP loans during the coronavirus pandemic.

“They don’t treat us fairly. They don’t think we are essential. We are essential. We have been here since the start of the pandemic. We have been here risking our lives and coming here to work for these people,” he added. said the worker.

Market operators have stated that they have taken a number of measures to ensure that secure access is maintained.

Management went on to say that they were disappointed that the union moved away from the bargaining table and chose to focus on termination instead.

READ ALSO | Protesters ask hotel worker involved in iPhone dispute to apologize

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A protest took place outside the Arlo Hotel in SoHo, where a woman falsely accused a 14-year-old of stealing her iPhone.

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Is Now a Good Time to Buy a Home? https://universoviviente.com/is-now-a-good-time-to-buy-a-home/ https://universoviviente.com/is-now-a-good-time-to-buy-a-home/#respond Thu, 08 Apr 2021 02:37:26 +0000 https://universoviviente.com/is-now-a-good-time-to-buy-a-home/ [ad_1]

There are many factors at play in the housing market. Interest rates appear to have reached a turning point with the State Bank of India raising its minimum mortgage rate from 6.70% to 6.95%, while house prices stagnate, as data from the Reserve shows Bank of India. Mint explains.

How have house prices evolved over the years?

Housing, which was a hot market at the start of the last decade, has gradually run out of steam since then. The RBI’s Home Price Index (HPI) shows the sector’s growth slowed from 22-23% in FY11 and 12 to 3.4% in FY19 and to 2.8 % in FY 20. Data for FY 21 (the year of the pandemic) is only available through the third quarter, but it shows that there has been near zero growth. Buying a home as an investment has always been a high-risk proposition, but it has paid off less and less in recent years. Rental yield in India (rent as a percentage of house price) also tends to be low – around 2-3% in large cities.

How have taxes and other costs changed?

States like Maharashtra reduced stamp duties in FY21 to boost the housing market. The stamp duty reduction expired on March 31, 2021. However, Maharashtra kept its circular rates, called loan calculation rates, unchanged for FY 22. This is both an acknowledgment of the stagnation of the housing and an indirect attempt to stimulate the market. Transactions that take place below the circular rate are subject to both stamp duty and income tax according to the circular rate. Keeping circular rates low acts as a positive force on transaction volumes. Thus, transaction costs have been lowered to some extent

View full picture

Housing market

What Happened With Home Loan Rates?

Over the past year, the RBI has cut interest rates, which are now at historically low levels. This has brought mortgage rates down to 6-7% at some banks. However, bond yields in the United States have tightened and inflation remains a serious threat in India. SBI has increased its minimum mortgage rate. Deposit rates have also started to rise.

Is housing a good investment?

Suppose the housing has a rental yield of 2% and a house price growth of 6% each year. Let’s say the associated fees, like maintenance and property tax, are 0.5% of the price each year. Your net return is thus 7.5%. If this goes beyond an equally risky alternative (equity or gold markets), housing becomes the investment of choice. However, housing also comes with risks such as title disputes and tenant eviction issues. For retail investors, experts suggest buying a house to live in, but not to invest.

What are the alternatives ?

You can invest in real estate through real estate investment trusts (REITs), although REITs can invest in commercial and non-residential properties. They are required to distribute 90% of their cash flow to investors. REIT units can be bought and sold on the stock exchange. Shares of companies related to the housing market can give you indirect exposure to housing. A home is a large lump sum investment, less diversified than the units of a REIT or a portfolio of stocks, a point you should consider.

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General meeting of April 28, 2021 behind closed doors, resumption of the dividend policy https://universoviviente.com/general-meeting-of-april-28-2021-behind-closed-doors-resumption-of-the-dividend-policy/ https://universoviviente.com/general-meeting-of-april-28-2021-behind-closed-doors-resumption-of-the-dividend-policy/#respond Thu, 08 Apr 2021 02:37:03 +0000 https://universoviviente.com/general-meeting-of-april-28-2021-behind-closed-doors-resumption-of-the-dividend-policy/ [ad_1]

Regulatory news:

Getlink (Paris: GET):

Given the current restrictions and in accordance with the measures adopted by the Government to slow the spread of the Covid-19 pandemic, the combined general meeting of shareholders of Getlink, scheduled for April 28, 2021 at 10:00 a.m., will be held behind closed doors, without the physical presence of its shareholders or any other person authorized to attend.

Getlink has taken measures to facilitate remote voting, so that shareholders can vote without being present at the general meeting via remote voting solutions (postal or proxy voting) and online via the secure voting platform VOTACCESS.

In order to promote shareholder dialogue, to which Getlink attaches particular importance, an exceptional mechanism will be put in place to broadcast the meeting live and a recording will be set up on the company’s website.

Following the separation of the functions of Chairman and Chief Executive Officer and the gradual rotation of its members, the Board of Directors will propose to the general meeting that Yann Leriche, Chief Executive Officer, and Mark Cornwall, representing British contract employees, be appointed to the Board of Directors, following the end of the term of Peter Levene and the retirement of Tim Yeo1 for having now over 12 years in office.

The Board of Directors is delighted with this development and the enrichment of employee representation on the Board. Jacques Gounon, Chairman of the Board of Directors warmly thanks Tim Yeo and Peter Levene for their valuable contributions to the work of the Board of Directors in preparing for Brexit and in the context of the Covid-19 crisis.

The Board exercised its responsibility by ensuring the safety of customers and employees, by implementing measures to control operating costs and by optimizing capital expenditure. Getlink did not seek any government guaranteed loans, government guarantees, or tax deferrals. A solidarity contribution to the collective effort of employees on leave, it was accompanied by a reduction in attendance fees and the remuneration of corporate officers and directors, as well as members of the executive committee and key executives.

Confident in its long-term prospects, Getlink confirms its return commitment for the shareholder and will propose to the general meeting to be held on April 28, 2021 to vote for the distribution of a dividend of € 0.05 per share entitled to the dividend.

Notice of meeting of April 7, 20212 includes the detailed agenda and draft resolutions, as well as the main methods of participation and voting at this meeting. The opinion and reports of the Board of Directors, including that on the draft resolutions, as well as the other preparatory documents and information relating to this meeting, can be consulted on the aforementioned website, made available or communicated to the shareholders. in accordance with the conditions and deadlines provided for by the applicable legal and regulatory provisions. Shareholders are invited to regularly consult the section dedicated to the general meeting on the website www.getlinkgroup.com, in order to have access to the most recent information about the meeting.

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Yann Leriche, 47, graduated from the École Polytechnique (1997), then from the École des Ponts et Chaussées, the College of Engineers and ESCP Europe, began his career in the public sector, first as a master work on road infrastructure, then in the construction and operation of public transport networks. After a long experience at Bombardier Transport where he became head of the “Guided Light Transit” transport systems department, Yann Leriche joined the Transdev group in 2008. First CEO of Transamo, he then became CEO of the German subsidiary Transdev SZ then deputy director of transit. activities in North America in 2012. In 2014, he was appointed Group Chief Performance Officer and member of the executive committee. From 2017 to 2020, he was CEO of Transdev North America, in charge of the group’s American and Canadian operations (17,000 employees, US $ 1.4 billion in revenue and serving more than 100 cities and urban areas with seven different means of transport) and was also in charge of the worldwide development of Transdev’s autonomous vehicle activities. Yann Leriche joined Getlink SE as Chief Executive Officer in July 2020.

Marc Cornouailles, 53, joined the Group in 1993, after having participated for five years in the construction of the tunnel (Norwest Holst), on the construction of the overbridge one. He then joined Balfour Beatty as an overhead line fitter on the installation of the catenary system. At the end of the catenary system, he then joined Eurotunnel as catenary technician before being appointed catenary group leader in 2009. During this time, he was appointed representative of the works council (a role in addition to the head of group) then elected chief representative of the works council. in 2003. He has also played an active role in the European works council, in close collaboration with his French colleagues for 18 years.

1 These changes will take effect at the end of the general meeting of April 28, 2021.
2 BALO April 7, 2021

See the source version on businesswire.com: https://www.businesswire.com/news/home/20210407005741/en/

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College admissions scandal: actress Lori Loughlin, 10 parents, 7 college officials face new charges https://universoviviente.com/college-admissions-scandal-actress-lori-loughlin-10-parents-7-college-officials-face-new-charges/ https://universoviviente.com/college-admissions-scandal-actress-lori-loughlin-10-parents-7-college-officials-face-new-charges/#respond Thu, 08 Apr 2021 02:36:29 +0000 https://universoviviente.com/college-admissions-scandal-actress-lori-loughlin-10-parents-7-college-officials-face-new-charges/ [ad_1]

A federal grand jury in Massachusetts has issued further charges against 11 parents and seven college officials involved in the vast college admissions scandal, according to U.S. Attorney Andrew Lelling.

The accused persons are Gamal Abdelaziz, Diane Blake, Todd Blake, Mossimo Giannulli, Elisabeth Kimmell, Lori Loughlin, William McGlashan, Jr., Marci Palatella, John Wilson, Homayoun Zadeh and Robert Zangrillo.

The new indictments allege the parents conspired to bribe University of Southern California employees to help admit their children to the program.

Giannulli is Loughlin’s husband. The Washington Post reports that the couple’s two daughters no longer attend USC.

“In exchange for bribes, university employees allegedly designated the children of the accused as sports recruits – with little or no consideration for their athletic ability – or as members of other privileged admission categories.” , said a statement from Lelling’s office.

Authorities also said Wilson, of Lynnfield, Mass., Was charged with two counts of substantial bribery of federal programs as part of his efforts to bribe Harvard University and Stanford University employees. to guarantee the admission of his children to schools.

In addition, Joey Chen, McGlashan, Wilson and Zangrillo face charges of wire fraud and honest services wire fraud “in connection with the scheme previously accused of using bribery and other forms of fraud to obtain falsified standardized test results and admission to elite colleges and universities as so-called sports recruits or members of other preferred admission categories.

“The defendants, who were all arrested in March 2019, had previously been charged with conspiring with William ‘Rick’ Singer and others, to bribe the administrators of the SAT and ACT exams to allow a candidate to pass secretly. entrance exams for their children, or to correct children’s answers after they have passed the exams, ”the statement said.

Lelling’s office also announced new charges against seven university sports officials and “other people previously indicted” in the scandal, including Gordon Ernst, Donna Heinel, Jorge Salcedo, Mikaela Sanford, Jovan Vavic, Niki Williams and William Ferguson. They are charged with conspiracy to commit postal and electronic fraud and postal and electronic fraud of honest services.

“In addition… Ernst, Heinel and Salcedo face new charges of conspiring to bribe federal programs by soliciting and accepting bribes to facilitate the admission of students into the universities where they worked: Georgetown University, the University of Southern California and The University of California at Los Angeles, ”Lelling’s office said. “Ernst is also charged with substantial counts of bribery of federal programs and money laundering.”

In a separate statement, Lelling said: “Today’s charges are the result of an ongoing investigation into the nationwide college admissions case. Our goal from the start has been to hold the accused fully accountable for the corruption of the university admissions process through cheating, bribery and fraud. The indictments that replace them will allow this effort to continue.

Several people indicted in the scandal pleaded guilty in the case and were sentenced including actress Felicity Huffman.

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How to Find Healing in Nature, According to Portland Forest Therapist https://universoviviente.com/how-to-find-healing-in-nature-according-to-portland-forest-therapist/ https://universoviviente.com/how-to-find-healing-in-nature-according-to-portland-forest-therapist/#respond Wed, 07 Apr 2021 23:17:43 +0000 https://universoviviente.com/how-to-find-healing-in-nature-according-to-portland-forest-therapist/ [ad_1]

Zoë Presley was walking in the woods near her home outside of Portland when she came across a leaf hanging from a single strand of spider silk, twirling gently in the air.

“It created a feeling of connection to the natural world which I personally found to be truly peaceful and grounded and charming,” Presley said. “It’s a different kind of wonder than one might experience standing at the edge of the cliff on the Oregon coast or being on top of the mountain – it’s the wonder of the connection. “

This is exactly the kind of connection that she helps others discover. Presley is a specialist psychologist and licensed professional counselor, as well as a practicing forest therapist – a thriving field helping people find healing in natural landscapes.

Forest therapy is based on the Japanese concept of shinrin yoku, or forest bath, in which a person enters a natural space with the specific intention of improving their emotional well-being.

“Forest baths, forest therapy, these are intentional practices. And healing is much more likely to happen when we access our will to be touched by something bigger than ourselves, ”Presley said.

The people of Oregon have long appreciated the blessings of nature, and in recent years hiking and camping have only grown in popularity. But while going out for leisure alone can have positive effects on our well-being, Presley said it takes specific intention to access deeper healing in nature.

It requires a completely different approach to how we exist in natural spaces, she said. She recommends that people try to reframe their outdoor experience away from exercise, and instead carry a specific intention to connect with nature. Slowing down is a good first step, as is putting away all electronic devices. Moving quietly in the natural space allows the senses to awaken, capturing the sounds, images and smells of the environment.

Filtered light paints a fern frond in the forest along the Eagle Creek Trail in the Salmon-Huckleberry Desert of the Mount Hood National Forest.Jamie Hale / The Oregonian

Cottonwood Canyon

A butterfly rests on a shrub along the Pinnacles Trail in Cottonwood Canyon State Park in central Oregon.Jamie Hale / The Oregonian

Forest therapy

Zoë Presley is a Certified Professional Counselor and Portland-based In-Office Forest Therapist, helping people find healing in nature. Jamie Hale / The Oregonian

Once the body has adapted to nature, that deeper connection can finally happen, she said – although that also requires paying close attention to your internal environment.

“Healing often happens in subtle ways,” Presley said. “We might just notice a change in the way our body feels or a subtle change in our mood. And if we don’t pay attention to these subtle changes, we might not even realize that healing is happening. “

These experiences are deeply personal and can vary greatly from person to person. The Association of Nature and Forest Guides and Therapy Programs, which certifies forest therapists, warns that there is no prescription for what a person “should” receive as a result. The goal is to have a deeper connection with nature and to see what emerges from within.

Having a licensed professional counselor like Presley as a guide is helpful for those with particularly intense emotional experiences. She recounted one session where a military veteran burst into tears when he was finally able to relax, and another where a woman began to release pent-up grief among the trees.

There has been growing evidence of the overwhelmingly positive impact of nature on our mental and physical health, not only helping to fight obesity, heart disease and depression, but also reducing the risk of all of Diabetes To myopia. A 2019 study published in the natural science journal Scientific Reports showed that spend at least two hours in nature each week has improved overall health and well-being.

Presley said spending time in nature doesn’t necessarily mean going on long hikes or finding great views in scenic spots. People can connect with nature by walking around their neighborhood, sitting in their backyard, or even spending time with their houseplants.

The point is not to overwhelm you with an awesome experience, but to learn to feel a more subtle form of awe.

“It’s the fear of simplicity. It’s the awe of simple beauty, ”Presley said. “I think these kinds of experiences are just as powerful as the amazing experiences we also have in the natural world.”

As Oregonians and people around the world continue to navigate difficult and traumatic times for many, it is more important than ever to have a source of healing on hand, she said. We just need to learn how to access this healing for ourselves and for those around us.

“I think some of the most profound healing experiences are where we just have a change in the way we think about something,” Presley said. “Something that we ourselves didn’t think was possible to feel, do or experience all of a sudden becomes very real and very possible, and it can have a ripple effect on so many areas of life. .

Hoyt Arboretum

Blue skies peek through a forest along the Wildwood Trail near the Hoyt Arboretum.Oregonian

6 PLACES AROUND PORTLAND TO FIND HEALING IN NATURE

These are familiar natural landscapes in and around the Portland area. Some are favorite hiking trails and popular attractions, and all are great places for forest bathing. As you explore, try to keep an open mind, free from any expectations. The healing offered by nature is often subtle, so watch out for little nudges and go with your instincts.

TRYON STREAM

Head to Southwest Portland Tryon Creek State Natural Area, where miles of crisscrossing trails lead over beautiful streams. Let your mind calm down as you walk and let yourself dissolve in the forest. In early spring, discover the Ruth Pennington Trillium Trail, where small trillium flowers still bloom.

HOYT ARBORETUM

With 12 miles of trails along 2,300 species of trees and shrubs from six continents, the Hoyt Aboretum in Portland is a perfect place for forest swimming. Find a tree that calls you and spend time with it. Try to put your hands on its trunk, smell the wood, and look around at the different plants and animals around it.

JAPANESE GARDEN OF PORTLAND

Organized as a place of mediating communion with nature, the Portland Japanese Garden is designed to offer healing, with carefully manicured gardens, calm ponds, and resident wildlife. The landscaping is a nice sight, but there is more than it looks. Find a quiet place to sit in the garden and close your eyes, allowing your other senses to come to life.

OXBOW REGIONAL PARK

Old growth forest along the Sandy River at Oxbow Regional Park outside of Troutdale is a nice place to fall into nature. The rainforest is alive even in winter, when bright spring moss covers everything in sight. As you walk, observe the abundance of life all around you and feel that you are part of this ecosystem.

MARQUAM NATURAL PARK

Marquam Natural Park in southwest Portland is a great place for walking meditation, with many loop trails that cut through a forested canyon. Located next to the OHSU, the park is actively used as a place of healing. Leave the stresses of your daily life behind and feel open as you walk, allowing the natural landscape to soak up your soul.

TUALATIN RIVER NATIONAL WILDLIFE REFUGE

For those who like to commune with animals and plants, places like the Tualatin River National Wildlife Reserve south of Tigard are an essential resource. Home to wintering waterfowl as well as other birds, mammals, reptiles and fish, the refuge is always bustling. Activating all of your senses can be overwhelming, so pick a place that calls out to you and stay still. From there, you can witness all the interconnected cogs of the ecosystem.

–Jamie Hale; [email protected]; 503-294-4077; @HaleJamesB


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Kotak Digi Home Loans Now Offers Instant Principle Sanctions in India https://universoviviente.com/kotak-digi-home-loans-now-offers-instant-principle-sanctions-in-india/ https://universoviviente.com/kotak-digi-home-loans-now-offers-instant-principle-sanctions-in-india/#respond Wed, 07 Apr 2021 23:17:41 +0000 https://universoviviente.com/kotak-digi-home-loans-now-offers-instant-principle-sanctions-in-india/ [ad_1]

Kotak Digi Home Loans Now Offers Instant Principle Sanctions in India

By Edil Corneille

Today, Kotak Mahindra Bank (Kotak) announced the introduction of an instant principle penalty for home loans on its digital platform – Kotak Digi Home Loans. Home loan applicants can now check the eligibility of their loan amount and the applicable interest rate immediately online, as well as instantly receive a letter of sanction in principle. This makes the home buying journey much easier for future owners.

The instant sanction of mortgage loans is aimed at both existing and new clients, as well as at salaried and self-employed client segments. Applicants can use the facility to apply for a new home loan, balance transfer, or top-up loan.

In a fully digital and paperless end-to-end process, Kotak Digi Home Loans performs instant digital credit assessment and the applicant sees their home loan eligibility amount, loan term, interest rate and IME. Applicant can choose loan amount and loan term and also add co-applicant to increase eligible loan amount. Applicants will then receive a letter of sanction in principle and then proceed with the online submission of documents.

Ambuj Chandna, President – Consumer Assets, Kotak Mahindra Bank said, “Making banking easier, faster and more affordable is our promise to our customers. Using a digital-first approach, homebuyers will now receive an instant home loan sanction along with all of their loan eligibility details in a fully paperless and contactless manner. On top of that, we continue to offer a special mortgage interest rate of 6.75%, making it a win-win proposition for our clients. Finding your dream home has now become much easier.

Applicants can easily apply online for Kotak Digi home loans through the website. Existing Kotak customers can apply for Kotak Digi home loans through Kotak net banking or the mobile banking app.

Kotak offers home loans and balance transfer loans starting at 6.75% per annum (terms and conditions apply), which is said to be one of the lowest rates in the home loan market.

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