*Carzone Motoring Report 2018** For a €25,000, 5 year variable interest rate loan with 60 monthly repayments of €497.88, an interest Rate of 7.24%, a representative APR of 7.5%, the total amount payable by the member is €29879.94. Information correct as at 21/05/2019.For further information please contact: Letterkenny Credit Union on 074 91 24166 or email Loans@letterkennycu.ieWhy a credit union car loan is better than a PCP! was last modified: May 26th, 2019 by Staff WriterShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:carLetterkenny Credit UnionLoan “For many people, headline rates on PCP agreements can at first look more attractive, but these can easily distract from the fact that essentially PCPs are lease schemes and the buyer will need to be conscious of the mileage they are racking up, because the balloon payment, or guaranteed minimum future value (GMFV), of the car will have been calculated with their annual mileage in mind” Ciaran explains. Ciaran Haran, Chairperson of Letterkenny Credit Union explains why he feels there has been a renewed interest in the traditional car loan.“A credit union loan is transparent and carries no hidden fees or charges. The buyer owns the car outright once they buy it, while with other more complex finance options, such as a PCP agreement, the buyer has effectively hired the car for a period of time while they make payments.“At the end of the PCP agreement, they will have to make a balloon payment in order to actually own the car, which can prove to be quite the financial sting in the tail if it hasn’t been budgeted for.” The Carzone report however also found that 72% of people who had spent more than €20,000 on their last car had used a finance options such as a PCP agreement.So while PCPs can be complicated, have a raft of additional charges and a good deal of inflexibility, they are proving popular with car-buyers in the over €20,000 market. Could this be down to the fact that a lot of consumers don’t fully understand what they are signing up to with a PCP? “In contrast, with a car loan from the credit union, the buyer simply borrows the money to pay for a car, which they own immediately, and which they can drive as much as they please. They can also sell the car on at any time they wish, should they need to, whereas they do not have this option with a PCP. Credit unions are ethical lenders. “We will work with our members to structure repayments that suit their individual circumstances. At Letterkenny Credit Union our car loan is available at an affordable APR rate of 7.5%**, and is typically approved within 48 hours. We also offer car insurance to make the whole process as convenient as possible for our members.“I would really encourage anyone thinking about going the PCP route to have a chat with us first at Letterkenny Credit Union before making the final decision. We are happy to see all our members, no matter how long it has been since they did business with the credit union, and of course we are always happy to chat to anyone who has never been a credit union member.” Close to four in ten consumers in Ireland will buy a new car in 2019.Over half plan to spend more than €10,000 on their new set of wheels, according to the most recent Carzone Motoring Report (2018).The study also found that one in four consumers who spent between €10,000 and €20,000 on their previous car, used a credit union car loan to fund the purchase.* Credit union loans have always been popular amongst car buyers for their straightforward terms and conditions and flexibility, and look set to be a top choice again in 2019. Ciaran also says potential buyers should familiarise themselves with the below checklist before signing the dotted line on a PCP agreement:• Be aware that to extend the term of a PCP you may be charged a rescheduling fee.• Take note of the cap on the number of miles/kilometres you are allowed to clock up over the period of the contract.• You may be requested to commit to certain car servicing agreements. • Ensure you always enquire about additional fees and charges, you are entitled to a list of all additional charges so ask the garage for this before you sign any agreement.
Raiders Straight Talk: Derek Carr speculation won’t stop any time … New star wide receiver Antonio Brown arrived in style to Raiders training camp Friday, but he won’t be taking the field with his new teammates.Brown is listed on the Raiders’ non-football injury list released Friday afternoon. The Bay Area News Group learned the team has known about Brown possibly not being ready for two weeks, and that his absence from the field would span “probably” a week.Related Articles
Hamadou Laminou. Photo by Tristan Tamayo/INQUIRER.netEmilio Aguinaldo College’s drive to the Final Four gets a little more bumpy as big man Hamadou Laminou suffered a torn ACL on his right knee and will miss the remainder of the NCAA Season 93 men’s basketball tournament.Coach Ariel Sison, who confirmed the news Thursday, was left with no words as the Generals will have a huge hole in the middle with the absence of the Cameroonian big man.ADVERTISEMENT LATEST STORIES “I don’t know what to say right now. I’m just so down thinking that Laminou is out for the season,” he said.Laminou has been averaging 10.2 points, 8.4 rebounds, and 2.4 blocks in the five games he played this season.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutoutHe went down late in the first quarter of EAC’s 85-79 win over Arellano on Tuesday with a knee injury as the coaching staff downplayed the matter and hoped that it would only be a minor injury.“I thought it’s just another minor injury,” said Sison, obviously disappointed with the recent turn of events. For the complete collegiate sports coverage including scores, schedules and stories, visit Inquirer Varsity. Don’t miss out on the latest news and information. Jason Day ‘hungry,’ eager to return to top of golf world MOST READ K-pop star Jung Joon-young convicted of gang rape, spycam crimes Catriona Gray spends Thanksgiving by preparing meals for people with illnesses SEA Games in Calabarzon safe, secure – Solcom chief UPLB exempted from SEA Games class suspension LOOK: Venues for 2019 SEA Games View comments Read Next WATCH: Streetboys show off slick dance moves in Vhong Navarro’s wedding Typhoon Kammuri accelerates, gains strength en route to PH Trump talks impeachment while meeting NCAA athletes PLAY LIST 01:07Trump talks impeachment while meeting NCAA athletes02:05NCAA Season 93 Preview: EAC Generals00:50Trending Articles01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games Brace for potentially devastating typhoon approaching PH – NDRRMC Laminou also incurred an MCL injury on his left knee in the preseason, but was able to make it in time for the Generals’ campaign this year.Sison has no other recourse but to continue fighting behind senior Sidney Onwubere, Jerome Garcia, Juju Bautista, and Francis Munsayac with EAC currently in third place with a 3-2 card.“Laminou is Laminou. It’s still different if he’s on the bench and ready to play, but we have other bigs who are ready to step up,” the mentor said.The Generals will play league leader Lyceum today at EAC Gym.ADVERTISEMENT
Kammuri turning to super typhoon less likely but possible — Pagasa LATEST STORIES Archers destroy Tigers, near twice-to-beat bonus Brace for potentially devastating typhoon approaching PH – NDRRMC Trending Articles PLAY LIST 00:50Trending Articles01:33Leo Austria, SMB wary of ‘more experienced’ Hotshots ahead of PBA Finals rematch01:28’Walang bigayan’: Expect all-out war between sister teams Magnolia, San Miguel01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games Christian Standhardinger. Photo by Tristan Tamayo/INQUIRER.netChristian Standhardinger was selected first overall by San Miguel Beer as expected on Sunday afternoon, and after coming up short in completing the franchise’s second Triple Crown sweep in the recently concluded PBA Season, the Beermen have added a blue-chip material to make another go at it.The 6-foot-8 Fil-German joins the star-studded team and will form a lethal twin tower combine with reigning four-time MVP June Mar Fajardo as the Beermen added yet another piece in an effort to extend their dynasty while matching up with sister team and newly minted Governors’ Cup titlist Barangay Ginebra’s frontline.ADVERTISEMENT Don’t miss out on the latest news and information. View comments Phoenix tapped hardworking forward Sidney Onwubere eighth overall with Star also adding some ceiling by picking Lervin Flores ninth.TNT KaTropa used the 10th and 11th picks to tab Cebuano guard Mac Tallo of SWU and Colegio de San Lorenzo slotman Jon Gabriel, respectively.Ginebra claimed UP slasher Jett Manuel as the 12th pick to round out the first round.NLEX continued to add youth to its frontline, tapping JRU forward Ervin Grospe to open the second round.Star picked slotman Joseph Gabayni next, Blackwater nabbed slasher Emil Palma, forward Julian Sargent went to Star, while Louie Vigil went to San Miguel.ADVERTISEMENT Davon Potts was selected by Alaska 18th overall, followed by Jom Sollano, who was tabbed by Rain or Shine.Gwynne Capacio (Star), Jayson Grimaldo (Phoenix), Monbert Arong (TNT), Wilson Baltazar (Phoenix), and Andreas Cahilig (GlobalPort) round out the second round picks. QC cops nab robbery gang leader, cohort CPP denies ‘Ka Diego’ arrest caused ‘mass panic’ among S. Tagalog NPA MOST READ Typhoon Kammuri accelerates, gains strength en route to PH John Lloyd Cruz a dashing guest at Vhong Navarro’s wedding Stronger peso trims PH debt value to P7.9 trillion Japan ex-PM Nakasone who boosted ties with US dies at 101 And while San Miguel got bigger, NLEX got the best small man in the 43-man pool as the Road Warriors made heady point guard Kiefer Ravena No. 2 overall, with Blackwater tabbing former Far Eastern U bruiser Raymar Jose at third, Phoenix Petroleum making Jason Perkins the fourth overall pick and Alaska getting the talented Jeron Teng at No. 5.Standhardinger is expected to join San Miguel early in the Commissioner’s Cup as he will have to play out a live contract with Hong Kong in the Asean Basketball League, and when he arrives, the Beermen can challenge the Gin Kings’ combo of 7-foot Greg Slaughter and 6-foot-9 Japeth Aguilar underneath.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutoutThere are no other teams which can talk of at least coming close as far as size is concerned.GlobalPort went with Fil-Am wingman Robbie Herndon at sixth, with Rey Nambatac, after being selected seventh, getting reunited with former Letran teammate Raymond Almazan and coach Caloy Garcia at Rain or Shine. Read Next
Recent research from The Kids & Family Reading Report indicates that 91% of kids say that their favorite books are the ones they picked out themselves – and summer is the perfect time for those fun books kids choose themselves.13 favorite children’s authors have written original short stories that kids can unlock as rewards in this year’s Scholastic Summer Reading ChaTo encourage kids to “Power Up and Read” throughout the summer, 13 favorite children’s authors have written original short stories that kids can unlock as rewards in this year’s Scholastic Summer Reading Challenge.This free summer reading program, created by Scholastic and powered by Energizer, encourages kids around the world to log the minutes they spend reading in order to unlock more stories, earn rewards, and help set a new world record for minutes read – seeking to top the 304,749,681 minutes read in summer 2014. Children and families can sign up for the Scholastic Summer Reading Challenge starting today at www.scholastic.com/summer.The top children’s authors participating include: Blue Balliett, Patrik Henry Bass, Varian Johnson, Gordon Korman, Michael Northtrop, Maggie Stiefvater and Jackson Pierce, Roland Smith, R.L. Stine, Tui T. Sutherland, Lauren Tarshis, Wendy Wan-Long Shang and Jude Watson. Each of the authors has written a unique short story using the same opening sentence which is,“I glanced over my shoulder to make sure that no one had followed me into the shadowy library, then took a deep breath and opened the glowing book…”“We know that summer is the ideal time for kids to discover the power and joy of reading,” said Maggie McGuire, VP Scholastic Kids & Parents Online. “The Scholastic Summer Reading Challenge creates an environment where kids are encouraged to choose their own books and read all summer, setting kids up to succeed when returning to school in the fall.”“I am a big believer in the power of choice when it comes to reading. In some cases, this freedom takes the pressure off reading, allowing a book to ‘just be a book.’ Other times, it allows readers to choose a book that serves as a mirror of their world or a window to a different perspective—or both! Whatever the reason, the power to choose gets us all reading, and the more we read, the more we grow,” said acclaimed author Varian Johnson, one of the featured authors in this year’s Scholastic Summer Reading Challenge.SUMMER READING FOR KIDS • Ultimate goal of setting a new 2015 reading world record: Students read and log minutes, earn digital badges and rewards, and help set a new world record for summer reading. • Read along with original short stories: Each original short story has a “read along” audio component, inviting children of all ages and reading levels to enjoy these engaging stories. • Dynamic creative writing game: Students can play a new “Innovation Machine” story starter game, powered by Energizer. This game encourages kids to create a one-of-a-kind story with fun story starters and wacky vocabulary combinations and enter into a contest to win prizes. Twelve winners will each receive a set of 12 signed books from the participating authors.SUMMER READING FOR PARENTS • Free daily tips: Parents can find something every day on the new “daily digest” with articles and tips from Scholastic Parents Channel experts here. • 2015 summer book list: Curated by Scholastic experts, this list features books for children in Pre-K through Young Adults. • Weekly sweepstakes: Parents can enter to win a “Power Up & Read prize pack,” including a Scholastic tote bag, a copy of Reading Unbound by Jeffrey Wilhelm and Michael Smith, $10 gift certificate to Scholastic Store Online, Energizer® brand batteries, Scholastic books and more.SUMMER READING FOR EDUCATORS • Grand prize for top school: The top elementary school that logs the most minutes this summer will win a visit from bestselling author Michael Northrop and the top middle school that logs the most minutes will win a visit from bestselling author Varian Johnson. • Classroom library sweepstakes: Educators who pre-register their students before June 30th, 2015 will be entered to win a free classroom library of 50 books. • Free summer reading tools: Educators can track their students reading minutes through the “Educator Dashboard” and their school’s progress on a virtual map, send automated emails to parents and access bi-lingual resources and printables.For more information about the Scholastic Summer Challenge, click here.
Senior defender Justin DaSilva skates the ice Nov. 20 during a game against Michigan State at the Schottenstein Center. OSU lost, 2-1.Credit: Kelly Roderick / For The LanternMichigan bullied the Ohio State men’s hockey team in Yost Ice Arena, putting the Buckeyes (5-9-1, 1-2-0-0) in a pinch ahead of their nearly month-long break.OSU’s, 8-3, loss to the Wolverines (8-6-1, 2-1-0) last Friday was the team’s latest setback in its search for an identity. The Buckeyes have gone 4-6-0 in their last 10 games, taking a four-goal and five-goal loss in that stretch.Team confidence, according to OSU sophomore forward Nick Schilkey, is scrambled.“(We’re) all over the place,” Schilkey said. “We can be great, and there are times where we just roll over it seems.”The Buckeyes’ losses have not been from repeating the same problems, Buckeye coach Steve Rohlik said Friday.The trouble was penalties on Friday, as OSU was stung by 19 penalty minutes against Michigan, nearly seven minutes more than the team averages per game. During the Buckeyes’ 5-1 loss to Western Michigan last weekend, the trouble was effort, Rohlik said.These reasons gave relief to what could be considered OSU’s most discussed difficulty of the early season: playing from behind. The Buckeyes have allowed the game’s first goal in nine of their 15 games.That latest trend may be on the decline, as OSU scored first on Friday for the third-consecutive game, but the early advantage only magnified the defeat.After taking a 1-0 lead on Friday, the Buckeyes took multiple penalties to allow four power-play goals in the second period, including two during a five-minute man advantage after OSU senior forward Nick Oddo was ejected for head butting.“Anytime you play a period and they get on a roll like that, you can’t shoot yourselves in the foot,” OSU coach Steve Rohlik said. “Taking a dumb penalty like that is not going to help you and special teams certainly did the damage.”The Buckeyes’ play became more disconnected as their deficit grew. After OSU senior forward Matt Johnson opened the scoring, the Wolverines tied the game, took a 2-1 lead with 12 seconds left in the first period, then scored six more goals.Buckeye goals from Schilkey and junior forward Anthony Greco registered only in the box score. Momentum was completely lost after OSU’s penalty kill collapsed and the team trailed 7-2 after two periods.“We just didn’t get the job done and that’s on us,” Rohlik said. “As a coach you have to put these kids in a position to succeed and we just didn’t do it.”Defensively, OSU’s goaltending inconsistencies persisted. Sophomore goalies Matt Tomkins, Christian Frey and Logan Davis each saw action.“We have to become consistent and that’s been one of our major issues,” Rohlik said. “Good teams find ways to be consistent and I’m talking from the goaltending on out.”The loss followed OSU’s 6-2 loss to Western Michigan and 5-1 win against Notre Dame last weekend. The Buckeyes’ played worse in their four-goal loss to the Broncos than they did on Friday night, Schilkey said.After the game, a tight-lipped team walked with tucked heads as they exited Yost Ice Arena.Body language was telling. Empty silences filled responses to postgame questions. The team that had won two of its last three games had been humiliated.“It might be a good thing to let this sink in,” Schilkey said. “When you go out and get embarrassed like that it’s going to sting and we have a little time to think about that.”The break will also be used for learning as Rohlik indicated the Buckeyes’ resiliency is a good trait, but the team needs to understand how to string together wins like its strung together losses.“We have to keep that in the back of our minds and start fresh,” senior captain Tanner Fritz said. “We’ve got two weeks to practice and it’s all about getting better now and working even harder. Obviously we’re not doing (the) right things right now.”As Shilkey emerged from the locker room on Friday, he set down his equipment bag and proceeded to respond to the question his team needs to answer: What now?“We’ve got a month here to figure out what team we’re going to be,” Schilkey said.In less than a month, the Buckeyes will know. Loose Pucks-The Buckeyes went 0-for-6 on the power play and 1-for-5 on the penalty kill-The last time the Buckeyes allowed eight goals was on Nov. 20, 2009 against Ferris State-OSU will next on Jan. 2 against Mercyhurst University in downtown Erie, Pa.
Marseille winger Dimitri Payet has been recalled to the France squad to replace the injured Nabil Fekir ahead of their games against Iceland and GermanyPayet was forced to withdraw from selection for the 23-man France squad that won the summer’s World Cup in Russia due to an injury from Marseille’s Europa League final defeat to Atletico Madrid.The 31-year-old last featured for Les Blues last October in a 2-1 World Cup qualifying win over Belarus.But Payet has put the disappointment of the World Cup behind him with a solid start to the new season with four goals and four assists in nine appearances for Marseille.Now the French football federation announced on Monday that Payet will replace Fekir, who picked up an ankle injury in Lyon’s 5-0 loss to Paris Saint-Germain on Sunday.PSG ultras sent a warning letter to Neymar Manuel R. Medina – September 14, 2019 Brazilian superstar Neymar might play today his first game of the season for Paris Saint-Germain and the team’s ultras have warned him.Payet has managed eight goals and eight assists in 37 appearances for France.Didier Deschamps’ side will first play Iceland in a friendly on Thursday before hosting Germany five days later at the Stade de France for a UEFA Nations League fixture.Dimitri Payet remplace Nabil Fekir (entorse cheville gauche) en Equipe de France. #FiersdetreBleus pic.twitter.com/9K8hRHm2Ly— Equipe de France ⭐⭐ (@equipedefrance) October 8, 2018
Brewers are finally getting a break, from an unlikey source. Trump’s newly signed tax bill cuts the excise tax on small brewers in half. With dozens of small brewers in Alaska and growing, this will make a positive impact on not only producers but also consumers. In 2017, Alaska had the seventh highest alcohol tax in the nation, according data compiled by the Tax Foundation. According to the Alaska Tax Division the current alcohol tax amounts to about 10 cents per drink — defined as 1 ounce of spirits, 12 ounces of beer or 5 ounces of wine. The federal government lives a different universe than the State of Alaska. Just this last session, Governor Bill Walker introduced Senate Bill 131, which would double the wholesale tax rate of beer, wine and liquor to raise $40 million a year in revenue. Facebook0TwitterEmailPrintFriendly分享It is a difficult thing to run a brewery in Alaska. The greatest expense is glass, which has to be barged up from stateside, and back again if venturing into deeper market penetration. Hours are so tightly regulated that there is no way to maximize the return of square foot of your operation by using it for events where alcohol isn’t consumed during the time block the State mandates the doors are closed. No After Hour Escape Rooms or yoga at the Brewery Tasting Room. No happy hours, slow night drink specials, or discounts – even if the proceeds go to charity. Small brewers, which include all Alaska breweries, already have an exemption that allows them to pay 35 cents per gallon, or about 3 cents per beer. Their rate would also double under the proposed bill. Story as aired:Audio PlayerDorene-on-local-brewers-raise-a-toast-to-the-new-tax-bill.mp3VmDorene-on-local-brewers-raise-a-toast-to-the-new-tax-bill.mp300:00RPd
Including the cities of Whittier, Seward, Girdwood, and Moose Pass. …POTENTIAL FOR SIGNIFICANT SNOWFALL OVER THE EASTERN KENAIPENINSULA ROAD SYSTEM THROUGH FRIDAY… Facebook0TwitterEmailPrintFriendly分享Persistent snowfall is expected over the eastern Kenai Peninsula today through Friday. Periods of heavy snowfall and blowing snow will significantly reduce visibility at times this afternoon through tonight. Depending on the track the low center takes, the road system from Seward to Portage could see snow accumulations anywhere from one to three feet through Friday evening. Heaviest snowfall is expected to be from Moose Pass southward.
Enlarge ImageSnowball got down for a Taco Bell ad. Video screenshot by Amanda Kooser/CNET Ha, ha! Check this out! It’s a dancing cockatoo! This is how Snowball, a bird with a passion for dance, made the rounds as a viral video sensation getting down to the Backstreet Boys back in 2007. But Snowball is more than an amusement, he’s also the star of a new scientific study.Researchers are studying Snowball to learn how dancing can transcend the human condition and extend to our avian friends. “Spontaneity and diversity of movement to music are not uniquely human” is the title of a paper published Monday in the journal Current Biology.A previous parrot study (and one with a sea lion) showed some animals can keep a musical beat, but this new Snowball research suggests the bird is inventing moves as he goes. 1 The science team, led by cognitive neuroscientist Aniruddh Patel of Tufts University and Harvard University, filmed Snowball dancing to Queen’s Another One Bites the Dust and Cyndi Lauper’s Girls Just Want to Have Fun. They analyzed the bird’s movements.The researchers counted 14 distinct dance moves and two composite movements. Snowball’s skills included a body roll, head bobs, foot lifts, head banging and a move reminiscent of Madonna’s ’90s Vogue dance craze. Snowball’s dance snippets tended to be performed for several seconds each, and he changed up his routine each time he heard a song again. “What’s most interesting to us is the sheer diversity of his movements to music,” Patel said in a statement on Monday. The study suggests Snowball may be displaying creativity in his dancing. The research team is currently investigating if the cockatoo’s capers are a form of social interaction with his human caregivers. Sea lion may be first nonhuman mammal to keep a beat Cussing rescue parrot forges sweet Amazon Alexa friendship 11 Photos The researchers said a collection of shared traits between humans and parrots might be responsible for Snowball’s dancing prowess: “(1) complex vocal learning, (2) the capacity for nonverbal movement imitation, (3) a tendency to form long-term social bonds, (4) the ability to learn complex sequences of actions, and (5) attentiveness to communicative movements.”Snowball’s talent first came to light after he was taken in by the Bird Lovers Only rescue agency in South Carolina in 2007. Besides his viral fame, he also starred in a Taco Bell commercial.Snowball seems to be showing that cutting a rug and getting creative with it isn’t just for people. Perhaps he’ll earn himself an invite to Dancing with the Stars. Comment 11 spectacular suits of animal battle armor (pictures) Curious critters Share your voice Tags Sci-Tech