Freelance Editor – Annette Hyder http://annettehyder.com/ Wed, 05 May 2021 01:32:12 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.1 https://annettehyder.com/wp-content/uploads/2021/04/cropped-icon-32x32.png Freelance Editor – Annette Hyder http://annettehyder.com/ 32 32 White Noise: Bobby Sessions’ new video will make you want to quit your job. https://annettehyder.com/2021/05/04/white-noise-bobby-sessions-new-video-will-make-you-want-to-quit-your-job/ Tue, 04 May 2021 22:44:33 +0000 https://annettehyder.com/2021/05/04/white-noise-bobby-sessions-new-video-will-make-you-want-to-quit-your-job/

Bobby Sessions Drops New Hating Day’s Work Video, Dallas Opera House Launches Streaming Service, St Vincent Interview Stirs Controversy, and Much More!

As we have already noted, the post-vaccinated feeling of going to see live music with all your friends is really a very pleasant feeling.

But, of course, there are some among us who are just not ready to take that leap just yet after a year-long sequestration caused by the still ongoing pandemic.

For this set, there is good news: it looks like some of the poverty-boosted innovations of 2020 may exist in the future. the Dallas Opera House, which is already working to bring culture to the city and make it accessible to all via a movable flatbed truck called the OperaTruck, is now launching a new streaming service called thedallasopera.tv.

While the OperaTruck will continue to offer free outdoor concerts, thedallasopera.tv will allow subscribers access to a catalog of previously recorded material, various original shows including children’s programs and new content that is expected to be released. added regularly. The service costs $ 4.99 per month.

Of course, like Ubbi Dubbi showed us a few weeks ago, some people are already gnawing a bit to come back and attend crowded festivals. R&B singer Count Fort Worth (and general musical force to be reckoned with) Leon bridges among this set: He’s already been confirmed for a number of festivals this coming season, including headlining appearances at the Railbird Festival, Bonnaroo Music and Arts Festival and Backcountry Music Festival.

There are also a few new reasons to encourage DJs and Metroplex punk bands who may want to start hunting down booking contacts on two separate new fronts.

A new bar opens in Sanger in part thanks to the efforts of Wee-Beasties director Stephanie Hollowell. Called Bolivar St. Revival & Spirits, the spot should be ready for happy hour by the fall of this year. The place looks to be pretty cool based on construction photos published on his Facebook page, and if that has anything to do with someone from the Wee-Beasties, then you know it’s gonna be pretty wild. To that end, this group from Denton spent the past weekend organize a “punk rock car wash” to raise funds for their next album – and raising over $ 1,000 in the process. Not bad for a day’s work!

Back in Dallas, old man Starlight Lounge the space on East Elm finally reopened under the name Charlie’s Star Lounge, after having been taken over and put to code by The nine‘owner Allen Falkner and its general manager Corey howe, whose name you may recognize as the frontman of the Dallas rock band Dead flowers. The spot was only intentionally changed so much, but one difference is that they removed the pool table to open up a dance floor – one already used for DJ sets hosted in space.

Speaking of grooving, the Dallas punk label Barf Wave recordings is organize an event called “Vaccination Celebration Pt. 1” on June 26 on the Deep Ellum website Ruins. This is the first in a series of two label events at Ruins, and expect it to come with some protocols. In order to see the range of Medium scooter, Boredom lizzie and Thyroids, you will need to pay $ 10, bring proof of vaccination with you, and rock a mask.

Nearby place Three links, meanwhile, also announced some new residences for country music fans, punk rockers and foodies. On the one hand, they will organize another series of his Punk rock dinner club featuring the chef’s food Justin box and the music of Dog company, Lethal dose and Ten can riotof Scotty diss Sunday May 16; you can get more information about this event hereand the head here for a recap of the last time Box took over Three Links. Meanwhile, if country music is more your thing, Links is too rolling out a new Sunday matinee series called Hern’s Country Saloon which will feature John tipton go on stage on the first Saturdays, Justin pickard the second Saturday, Jenna clark the third Saturdays and Mike Randall the fourth Saturday.

Speaking of local country musicians, the next Marfa bands collaborative project of Miranda Lambert, Jack ingram and Jon randall will be released on Friday May 7th. And, at the end of the day, it comes with a feature film to go with it. The film version will be in fashion Lambert’s Facebook page for 24 hours on Saturday May 8, but a taste of those visuals can be seen right now in the form of Lambert acoustically performing the song “Tin Man” from this album:

That’s pretty cool, so see Lambert in Lindale offer her star power to elevate the career of Grammy-winning Dallas Randall, and to a lesser extent the SMU alum Ingram, although he had many successes over the years.

It’s also dope to see Joshua Ray Walker to receive his due, too – and in the form of a drool Texas monthly profile, Not less. In the room, sometimes a CT contributor Johnny Auping provides a detailed picture of the brilliant Deep Ellumite, chronicling his introduction to music at a young age, his darkest self-destructive drinking days where Walker says he passed out in all the bars in Deep Ellum and, now, his rising celebrity. Auping writes, “Part of the strength of Walker’s songs is that they are not about country tropes. Instead of tractors or horses, his ballads are filled with vivid portraits of complex and imperfect Dallas people: sex workers, gamers, boat show models, loud liars. Of course, he only preaches to the choir as far as we are concerned. In fact, the former editor of CT Alec spicer was even quoted in the profile, saying, “A lot of people throw this away [term] around, but when you know, you know, I see Joshua Ray Walker not only as the next big name in Dallas country music, but the next one to come out of Dallas.

We’re just happy that all of those interviews worked out well for Walker’s play. Unfortunately, the same cannot be said of a recent Saint Vincent interview. Dallas performer Annie Clark found herself in a bit of hot water last week when it was revealed that she had a story about her death after the fact because she didn’t like questions asked. The whole situation has raised an interesting debate in music journalism circles, but given the way it daddy’s house LP is being promoted around the story of his father’s release from prison, perhaps Clark should have expected a few curved balls to be thrown in this press cycle with the lobs.

Even so, even though we don’t know how beautiful it is to have the work of a freelance writer killed, we have to concede than the new models from her Ernie Ball the signature guitars are really elegant. I mean, look at those axes!

Speaking of shiny new things, when the Dallas Cowboys selected University of Kentucky cornerback Kelvin Joseph with the 44th selection in the general classification 2021 NFL Draft, they didn’t just get help in high school; they also expanded the area’s rap community! See, Joseph is also a rapper who performs under the nickname of YKDV Bossman Fat. This is what it looks like:

Moving on, some gruesome accusations have led to upheavals in the local country radio landscape. Justin frazell, the longtime host of the morning show 95.9-FM KFWR The Ranch, was terminated by the station following his arrest on two separate charges of sexual misconduct, including one with a teenager. Details can be found by clicking on either of the hyperlinks in the previous sentence, but suffice it to say that the alleged circumstances reveal a model of Frazell grossly abusing his position of influence to take advantage of women in situation. vulnerability. North Texas radio and the region’s country music scene in general are much better off without him.

Looking for something new to fill the void in your morning radio? We suggest to listen DJ Vinyl Val, who has just taken over 89.3-FM KNONthe “Monday Morning Blend” show and will help you start your work week every Monday from 7 am to 9 am

Or maybe you’re more of a podcast person? In this case, you might want to know what Tim DeLaughter of Polyphonic frenzy had to say when he visited the UK Strange Brew Podcast to talk about his band’s new cover album, Afflatus. In the lecture, DeLaughter gives a detailed version of the story when asked “Why?” Regarding the release of the cover album, the short film is really “Why not?” Discover this podcast here.

Of course, as always, you can always turn your attention to the music videos, as many new ones have been dropped by artists in the area this week.

The brightest of all comes from the Grammy winner Bobby Sessions, who seeks peace amidst the struggles of city life in the visuals of the Pharrell williams-composed of the single “Cog In The Machine” from his upcoming debut Manifesto LP for Def Jam. As the young Dallas legend himself said on Twitter about the video, don’t blame him if watching this ultimately uplifting and empowering clip makes you want to quit your job.

On a similar tip, Fort Worth’s Meach Pango opens their latest music video “Wander” with the lines “Another day / Waste away hours as they come.” Do we feel a trend here? See for yourself and get ‘caught’ in person when the pop rockers play Gas Monkey bar and grill May 27.

Meanwhile, the Dallas punk band Lazy fist in fact, they just celebrated their own return to the Gas Monkey stage on Sunday at an event that saw frontman Eric Daniels emerge from his pent-up cocoon in a very fine directing performance. Hey, if he doesn’t regret the shorts he wore on stage, so neither can we! Sloth Fist also just released a new music video for the title track from their 2020 release. Mothman is real LP. Check this out:

Then there’s the Oak Cliff rapper, the rocker and sometimes the punk EMOtional Xan, who is here proving that there is no boxing in a genre with his new visuals for his punchy ‘Possessed’ cut.

Hey, after the year we just passed we all wanna let people explore whatever it makes them feel fulfilled.

Do you have any advice for White Noise? Send us an email!





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8 Dems, 2 GOP working for 4 seats https://annettehyder.com/2021/04/30/8-dems-2-gop-working-for-4-seats/ Fri, 30 Apr 2021 00:58:16 +0000 https://annettehyder.com/2021/04/30/8-dems-2-gop-working-for-4-seats/

Four of the seven seats on Erie’s city council are up for ballot in the May 18 municipal primary, which will pave the way for the November 2 municipal election.

No matter what happens at the polls, the seven-member panel will be very different in 2022.

However, only one of the current city council members whose seats are on the ballot, Democrat Liz Allen, has chosen to be re-elected.

Besides Allen, a former reporter and editor of the Erie Times-News who was first elected to city council in 2019, other Democrats on the ballot are Jasmine Flores; Elspeth “Kate” Koehle; Kendrick Tate; Cory DiLoreto; Marcus P. Yuille; Maurice “Mo” Troupe; and Chuck Nelson, a pastor who lives in the city’s West Bay.

Flores, Koehle and Tate pose as a slate affiliated with local social justice group Erie County United.

Two Republicans, Greg Brown and Shawn Lyons, are also in the race. Lyons ran unsuccessfully for mayor in 2019.

City council members serve part-time and are paid $ 6,000 per year; the chair of the board receives $ 7,500 per year. Members of the Board are also entitled to health insurance benefits.

Liz Allen (outgoing Democrat)

Erie City Councilor Liz Allen.
  • Age: 69
  • Profession: freelance writer; library clerk with daily allowance; Erie SeaWolves bailiff; retired journalist and editor of Erie Times-News
  • Education: Bachelor of Arts, Marquette University; major in journalism; minor political science, theology
  • Staff: twice widowed; remarried; a living son; a deceased son; 22 grandchildren, including step-grandchildren
  • www.instagram.com/lizforeriecitycouncil; twitter.com/lizeriepa

A closer look at Liz Allen:Erie City Council race: Democrat Allen vows to continue his review if re-elected

Greg Brown (Republican)

Greg Brown is a Republican candidate for Erie city council.
  • Age: 39
  • Profession: Co-Founder and COO, Red Letter Hospitality
  • Education: Bachelor of Science in Accounting and Minor in Economics, Missouri State University; Master of Business Administration from Indiana University
  • Staff: married with three children
  • www.votegregbrown.com; bit.ly/GregBrownErie

A closer look at Greg Brown:Erie City Council race: Republican Brown wants to see “a lasting economic boom”

Cory DiLoreto (Democrat)

Cory DiLoreto is a Democratic candidate for Erie city council.

A closer look at Cory DiLoreto:Erie city council race: Democrat DiLoreto wants city to reach ‘full potential’

Jasmine Flores (Democrat)

Jasmine Flores is a Democratic candidate for Erie city council.

A closer look at Jasmine Flores:Erie City Council race: Democrat Flores says she struggled, like many citizens

Elspeth "Kate" Koehle is a Democratic candidate for Erie city council.

Elspeth “Kate” Koehle (Democrat)

  • 44 years
  • Profession: community organizer for Erie County United
  • Education: Bachelor of Arts in Philosophy and Religion from the University of Edinboro
  • Personal: single mother of two boys
  • http://bit.ly/KateKoehleErie

A closer look at Kate Koehle:Erie City Council race: Democrat Koehle vows to continue campaign for social justice

Shawn Lyons (Republican)

Shawn Lyons is a Republican candidate for Erie city council.
  • Age: 47
  • Profession: employee of Travel Centers of America; Former Superintendent of Maintenance, Millcreek Mall
  • Education: High school graduate, Red Rock Job Corps Center; Took classes at Erie County Technical School
  • Staff: married with two children
  • bit.ly/ShawnLyonsErie

Chuck Nelson (Democrat)

Chuck Nelson is a Democratic candidate for Erie City Council.
  • Age: 36
  • Profession: pastor, the cross
  • Education: Bachelor’s degree, Lindenwood University; Master, Reformed Presbyterian Theological Seminary; completing his doctorate at Pittsburgh Theological Seminary
  • Staff: married, two daughters.
  • www.chucknelson.info; www.facebook.com/ChuckNelsonErie

A closer look at Chuck Nelson:Erie City Council race: Democrat Nelson seeks impact beyond ministry

Kendrick Tate (Democrat)

Kendrick Tate is a Democratic candidate for Erie city council.

A closer look at Kendrick Tate:Erie City Council race: Democrat Tate wants all communities adopted

Maurice “Mo” Troupe (Democrat)

Maurice 'Mo" Troop is a Democratic candidate for Erie city council.
  • Age: 45
  • Profession: Assistant Principal at Erie High School
  • Education: Baccalaureate from Westminster College; Masters Degree from the University of Edinboro
  • Staff: married with three children
  • www.motroop.com; www.facebook.com/MoTroop4Erie

A closer look at Mo Troop:Erie City Council race: Democrat Maurice Troop brings passion for service

Marcus Yuille (Democrat)

Marcus Yuille is the director of outreach services at the library.
  • Age: 28 years old
  • Occupation: Manager of Outreach Services, Erie County Public Library
  • Education: Bachelor of Political Science, Penn State University; Master of Business Administration, University of Phoenix
  • Staff: married
  • www.facebook.com/MYErieCityCouncil

A closer look at Marcus Yuille:Erie city council race: Democrat Yuille would consult citizens to resolve issues

Contact Kevin Flowers at kflowers@timesnews.com. Follow him on Twitter at @ETNflowers.





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Building blocks of a digital future – Current state and strategies for success https://annettehyder.com/2021/04/27/building-blocks-of-a-digital-future-current-state-and-strategies-for-success/ Tue, 27 Apr 2021 00:33:38 +0000 https://annettehyder.com/2021/04/27/building-blocks-of-a-digital-future-current-state-and-strategies-for-success/

Dated: May 19, 2021
Time:
2:00 p.m. ET (GMT -5, New York)
Duration:
1 hour
Event type:
Live webinar
Cost:
Release

Register today!

The description

IndustryWeek and Dassault Systemes share information from their groundbreaking 2021 Digital Transformation report, including key findings, current challenges, and tips for a successful implementation for manufacturers of all sizes and stages of the digital journey.

Key takeaways from this webinar will include:

  • How early and late stage adopters are harnessing technology to achieve their digital transformation goals.
  • Main business drivers impacting technology decisions
  • What business metrics are manufacturers tracking in their digital journeys?
  • The biggest challenges manufacturers face in their digital transformation
  • The impact that technologies are already having on manufacturing efficiency, supply chain transparency, productivity and profitability.

We’ll also go over insights and advice from experts in manufacturing technology, including:

  • Benefits of a fully integrated digital platform
  • Steps Manufacturers Can Take to Go Digital
  • How to train employees and drive cultural change across the organization

The webinar discussion will include actual tables and graphs of the survey results so that participants have the opportunity to better understand how their organizations stack up against their competitors.

Register now

Loudspeakers

Steve Bieszczat, Marketing Director, DELMIAworks
With over 30 years of ERP and technology experience, Steve has been at the forefront of helping organizations recognize the value of digital transformation on their people and processes. Steve is currently responsible for all aspects of DELMIAworks brand management, demand generation and product marketing. Prior to DELMIAworks, he held marketing management positions in the ERP companies IQMS, Epicor and Activant Solutions. Steve’s goal is to align products with industry requirements as well as to position DELMIAworks with the strategic direction and requirements of the brand’s customers and prospects. Steve holds an engineering degree from the University of Kansas and an MBA from Rockhurst.

Katz90wJonathan Katz, Freelance Writer, Owner, JSK Communcations
Jonathan Katz is a content marketing writer and journalist with over 20 years of experience in the field. As a freelance writer and owner of JSK Communications LLC since 2012, Katz has worked on projects for Fortune 500 companies, educational institutions, and consulting firms. Prior to starting JSK Communications, Katz was Editor-in-Chief of Industry week, a manufacturing publication for C-level executives. He has considerable knowledge of key industry topics including lean manufacturing / continuous improvement, internet of things, environmental health and safety, and operational best practices .

Sponsor
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Technical details

This webinar will be conducted using a slide and audio format. Once your registration is complete, you will receive a confirmation email with details for joining the webinar. Contact us



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Sun Journal sports reporter Randy Whitehouse dies at 51 https://annettehyder.com/2021/04/26/sun-journal-sports-reporter-randy-whitehouse-dies-at-51/ Mon, 26 Apr 2021 18:41:22 +0000 https://annettehyder.com/2021/04/26/sun-journal-sports-reporter-randy-whitehouse-dies-at-51/

Longtime Sun Journal sports reporter Randy Whitehouse, 51, a respected and award-winning journalist, died on Sunday.

Sun Journal 2019 photo by sports reporter Randy Whitehouse. Buy this photo

Whitehouse had been battling serious health issues since January and making significant progress until a setback late last week.

He was a dedicated journalist, but nothing filled him like his family: his son, Andrew, was his pride, and his wife, Joyce, who died in October 2019, was his joy.

Randy was a tall man with a hoarse voice, and he wasn’t the type to smile for no reason. This has earned him nicknames like “Hulking and Surly Randy Whitehouse,” given by Sun Journal reporter Mark LaFlamme, and “The Surly Mainer,” by fellow Sun Journal sports reporter Tony Blasi.

But from that exterior emerged a different Randy Whitehouse when speaking of his family.

Judy Meyer, Editor-in-Chief of Sun Journal, Kennebec Journal and Morning Sentinel, says his most vivid memory of Whitehouse dates back to when Joyce was pregnant with Andrew. Surly Randy became giddy with excitement about the impending addition to her life.

“It was as if no one in the history of the world had ever given birth before,” Meyer said.

She added, “It was so human and touching that every time I saw it, I thought about it.

Randy Whitehouse and his son Andrew on the sidelines of a game in 2005. Russ Dillingham / Sun Journal Buy this photo

Andrew grew up and is now a college teacher at St. Dominic’s Academy, but he continues to be a source of pride for his father.

“We were both fathers of an only child, and I know from our many hours of conversation that Randy could not have been prouder of his son, Andrew,” Kalle Oakes, who worked alongside Randy in Sun Journal sports team for about 15 years. years, mentionned.

Whitehouse started out as a freelance writer for the Sun Journal before being hired as a press reporter in 1996. He once said that the proudest moment in his career as a journalist came while covering the ice storm of 1998 when he convinced his editors to post a photo of Vice President Al Gore picking up a broken power line.

“What a lot of people don’t remember is that Randy wasn’t always a sports writer,” LaFlamme said. “When he and I started at the newspaper, we were both freelancers doing a bit of everything. Randy covered the cops a lot at the time on my days off. He didn’t like it, but he was great. In fact, he told so many great stories while I was gone, it was kind of a joke between us decades later.

But Whitehouse, who grew up in the Bridgton and Naples area and attended Lake Region High School and then Castleton University in Vermont, wanted to cover sports, and he joined the Sun Journal sports team in May 1999.

Vice President Al Gore and Auburn Deputy Administrator Mark Adams took a power line when Gore came to Maine to inspect the damage caused by the ice storm on February 10, 1998. Before covering sports Randy Whitehouse was a journalist and was proud that he convinced the editors of the Sun Journal to publish this photo. Russ Dillingham / Sun Journal

Over the next 20+ years – which included a stint at the Kennebec Journal from August 2014 to his return to the Sun Journal in September 2016 – he became one of Maine’s most respected and respected sports voices. Readers, athletes, coaches, athletic directors and his fellow sports journalists knew that Whitehouse could be counted on to cover sports with great excellence and little ego. He combined skilled writing and reporting with an ability to capture the humanity and personality of the subjects of his stories.

“Randy was a friend, colleague and hell of a writer,” said Justin Pelletier, former sports editor for the Sun Journal and the Boston Herald who is now associate regional sports editor for McClatchy in Raleigh, North Carolina. “Working with him for almost two decades was something special. He was quick with his wit, quick with his words, and one of the easiest-to-edit deadline writers I’ve worked with. His knowledge, passion and dedication to the sports of central and western Maine was unparalleled.

Whitehouse was private and humble and gave little value to awards, but he still won plenty, including earlier this year when he received the Associated Press’s Top 10 Sports Editors award in the difficult feature category.

“Randy has always been self-destructive and reluctant to talk about himself, which I think are two things that you generally don’t find sincerely in our business,” Oakes, who currently is said the sports editor of Georgetown News-Graphic in Kentucky. “These qualities are what made him a loved and respected figure in the community, as he was all about the athletes, coaches and administrators he wrote about.

Randy’s dry sense of humor was well known. He featured often in his “Huddle Up” columns, and was even more prevalent when he was among his friends and colleagues. Even the person receiving his sarcasm felt like they were in the joke.

“Those who could call him a friend were lucky in so many ways,” said Bill Stewart, sports editor for the Kennebec Journal, Morning Sentinel and Times Record. “His dry sense of humor and quick wit – both unmatched – which resonated with those around him will be missed.”

“Randy had this special gift,” Oakes said, “of being hilarious without realizing it or needing to laugh at his own one-liners. He might make me laugh until my stomach and face hurt.

Several colleagues, friends and acquaintances noted and lamented the void left by Whitehouse’s death.

“I’ve always called him ‘Big and Snarling Randy Whitehouse’, and he was those two things on occasion, but he was also incredibly kind and wise on so many things.Said LaFlamme. I considered him one of my best friends – a friend who helped me through some dark times. He was just an extremely generous and interesting character, a kind of unique buddy. He was the very first person I turned to if I had some worsening at work or a worldview I needed to get out of my chest. His loss is immeasurable.

“Those of us who knew him,” said Pelletier, “or who ran into him regularly, are much better off to have done so. I will miss him. “

Sun Journal sports reporters Kal Oakes, Randy Whitehouse and Kevin Mills watch the action at the 2009 East Maine Class A Men’s Basketball Championship in which Edward Little defeated Lawrence. Russ Dillingham / Sun Journal Buy this photo


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Who offers short term auto insurance? – Councilor Forbes https://annettehyder.com/2021/04/26/who-offers-short-term-auto-insurance-councilor-forbes/ Mon, 26 Apr 2021 11:00:23 +0000 https://annettehyder.com/2021/04/26/who-offers-short-term-auto-insurance-councilor-forbes/

Editorial Note: Forbes may charge a commission on sales made from partner links on this page, but this does not affect the opinions or ratings of our editors.

Car owners traditionally buy auto insurance policies with a term of six or 12 months. But in some cases, you might be looking for a short term policy.

Industry-backed Insurance Information Institute spokesperson Mark Friedlander says drivers typically buy short-term auto insurance policies that cover 30 days or less when they don’t need coverage only for a limited time.

Just like with traditional auto insurance, the price of short-term coverage varies depending on the options you choose and the type of policy you purchase, according to Friedlander. You can choose liability-only coverage, he says, or choose more extensive coverage that includes collision insurance and comprehensive insurance.

Why would you buy short term auto insurance?

Trusted Choice, a network of independent insurance agents, says car owners can purchase short-term auto insurance for reasons such as:

  • You are in the process of switching from one insurer’s long-term coverage to another and you have already abandoned your previous coverage.
  • You temporarily lend your car to a relative, friend, or other person who will be excluded from your regular auto insurance policy. Short-term coverage applies to your vehicle when it is driven by a relative, friend or other person.
  • You sell your car and must cover the vehicle when it is driven by potential buyers who will not be covered by your regular policy.

Before you decide to look for a short-term auto insurance policy, talk to your auto insurance agent to make sure your regular auto insurance policy won’t cover your situation.

Trusted Choice points out that if you had to file a claim under a short term auto insurance policy, it wouldn’t jeopardize any claims free discount you might have on a long term policy.

Friedlander notes that a typical short-term auto insurance policy lasts for 30 days, even if you only need the coverage for a day or a week. As with traditional policies, the pricing of short-term coverage depends on factors such as:

  • Vehicle type
  • Intended use of the vehicle
  • Your automobile insurance history
  • Vehicle model
  • Your credit-based insurance score (States that limit the use of credit in setting auto insurance rates are California, Hawaii, Michigan, and Massachusetts)

Who sells short term auto insurance?

Short term auto insurance is not widely available. While auto insurance companies typically do not advertise month-long insurance policies on their websites, Forbes Advisor found that these companies had made deposits with state insurance services to provide one-month auto insurance policies:

  • American Hallmark Insurance Co. of Texas (1 month auto insurance policies available only as renewal policies)
  • Direct General Insurance Co.
  • First Acceptance Insurance Co.
  • National Unity Insurance Co.
  • Old American County Mutual Fire Insurance Co.
  • Young America Insurance Co.

Why Auto Insurance Companies Don’t Like Short-Term Policies

Friedlander says most state and regional insurance companies don’t offer short-term auto insurance policies. Why? For insurers, the risk of offering short-term coverage outweighs the benefits of selling that type of coverage, he says. That’s why insurers normally sell auto insurance policies with a term of six or 12 months, he says.

Other ways to get short-term auto insurance

So what if you are unable to purchase a 30 day auto insurance policy? The alternatives include:

  • Automobile insurance for non-owners. If you don’t own a car but need coverage, non-owner auto insurance may be an option. This coverage can be a good choice if you frequently rent cars so that you don’t have to purchase liability insurance from a car rental company. Or it could fill the insurance gap when you’re between two vehicles.
  • Cancellation of a standard auto insurance policy. You can purchase a standard auto insurance policy and cancel it once you no longer need the coverage. Remember, however, that the insurer may charge a fee if you cancel the policy before it expires. Also, keep in mind that you may need to line up other coverage for your vehicle if you cancel an auto insurance policy.



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Does the financial aid cover summer courses? – Councilor Forbes https://annettehyder.com/2021/04/23/does-the-financial-aid-cover-summer-courses-councilor-forbes/ Fri, 23 Apr 2021 15:50:49 +0000 https://annettehyder.com/2021/04/23/does-the-financial-aid-cover-summer-courses-councilor-forbes/

Editorial Note: Forbes may charge a commission on sales made from partner links on this page, but this does not affect the opinions or ratings of our editors.

Compare personalized student loan rates

Takes up to 3 minutes

For many students, summer is an opportunity to take additional courses to help them graduate earlier. Summer sessions are generally shorter than regular semesters, and since many courses can be taken at a community college, they can often be much cheaper.

It is an increasingly popular strategy. According to the National Student Clearinghouse Research Center, students who take summer courses at community colleges are more likely to complete their education.

But how do you pay for this? Here’s what you need to know about summer financial aid options.

Why do students take summer courses

Whether you are planning to take classes at your current university or a nearby community college, summer schooling can be beneficial. You can take back courses you’ve struggled with in the past to improve your grades, eliminate core or elective course requirements, and speed up your degree.

If you graduate early, you can shorten the length of your studies by a semester or even a full academic year. It also helps reduce the amount you will need to spend on tuition, fees, and accommodation and board for each quarter that you have reduced during your studies. And you can start working sooner to earn full time income.

4 types of summer financial aid

Can you get financial aid for summer school? Absolutely. You have several options:

1. Grants

Grants are a great place to start because they are a form of gift aid that often does not need to be repaid. There are several types of grants you may be eligible for:

  • Pell grants. Low income students may be eligible for Pell scholarships. Previously, students could not use Federal Pell Grants for summer schooling. However, the government changed this in 2017, giving students access to year-round Pell scholarships to pay for summer sessions. Eligible Pell Grant recipients can obtain up to $ 6,495 for the year of the scholarship.
  • State subsidies. Some states have grants to help students pay for their summer schooling. For example, the Pennsylvania Higher Education Assistance Agency allows eligible students to receive a grant from the State of Pennsylvania for the summer term. Visit your national education agency website to find out if your state has a similar program.
  • Institutional grants: Your university may have scholarship programs specifically designed to help students pay for summer schooling. For example, the Achieve Summer program at the University of Colorado at Boulder covers up to six credit hours of tuition and fees for eligible students. Contact your school’s financial aid office to find out what programs are available.

2. Scholarships

As another form of gift aid, scholarships are also a good way to cut costs on your summer term. Scholarships can come from schools, non-profit organizations, and for-profit businesses. Generally, there are no restrictions on how long students can use the scholarship, so you can apply for scholarships and use the scholarships to pay for your summer courses.

3. Student loans

While there are no federal or private student loans specifically for summer school, you can still take out student loans to pay off your credits. The same loans that you apply for to pay for your fall and spring semesters can also be used for summer courses.

With federal student loans, interest rates tend to be lower and there are more flexible repayment options than private loans, so they should be a first choice.

However, federal student loans have limits on how much you can borrow each year, and money used for summer sessions counts against that limit. There is also an overall limit on the total amount you can borrow for your studies:

  • Subsidized and unsubsidized undergraduate loans. Depending on your dependent status and the year of your studies, federal loan limits for undergraduate students range from $ 5,500 to $ 12,500 per year. This limit applies to all loans you take out for the year, including the fall, spring and summer sessions. The overall limit for undergraduates is $ 57,500. No more than $ 23,000 can be subsidized loans.
  • Unsubsidized loans for graduates. If you take out direct unsubsidized loans, the maximum you can borrow is $ 20,500 per year. The overall limit is $ 138,500, including all loans used for undergraduate studies. No more than $ 65,500 of this amount can be subsidized loans.
  • PLUS graduate loans. If you take out Grad PLUS loans, you can borrow up to the full cost of the participation.

Unlike federal loans, private lenders generally don’t put a cap on the amount you can borrow. You can usually withdraw enough to cover the full cost of participating in your program.

While federal student loans always have fixed interest rates, private student loans can have either fixed or variable interest rates. Repayment plans may also vary. Private loan terms can range from five to 15 years, so you can choose the length of time that best suits your budget.

4. Work-study

If your college participates in the federal work-study program, there may be opportunities for summer assistance.

If you are eligible for the federal work-study program, you will work part-time in a field related to your specialty. Although the salary may vary depending on the type of work you do and the employer, you will earn at least the federal minimum wage. The money you earn can be used to offset your summer school fees and reduce the need for student loans.

Apply for financial assistance for summer courses

To obtain financial assistance for the summer term, follow these three steps:

1. Contact your school’s financial aid office

Once you decide to take summer school, contact your college’s financial aid office and inquire about potential financial aid opportunities. Your school may offer grants, scholarships, and work-study programs, so you won’t have to borrow that much money. The financial aid office can tell you what help is available and what forms you need to complete an application.

2. Fill out the FAFSA

The Free Federal Student Aid App (FAFSA) is what schools and the federal government use to determine your eligibility for federal student grants and loans.

The FAFSA qualifies you for assistance that will help you cover summer school. It is important to complete an application as soon as possible to ensure that you receive all the financial assistance you are entitled to.

When completing the FAFSA, you must select the academic year for which you are applying for financial aid. For example, if you are requesting aid for the 2020-2021 academic year, you select “2020-2021”.

However, FAFSA summer aid applications are a gray area, and schools have varying rules on the school year they belong to for financial aid purposes. Before submitting the FAFSA, contact your college financial aid office to see which FAFSA year you should select.

3. Look for opportunities for external financial assistance

If you have exhausted all available institutional and federal financial aid options, you may be eligible for external opportunities, such as private grants and student loans.



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Launch Your Freelance Writing Career: A Journalism Workshop with Coco Khan | Guardian masterclasses https://annettehyder.com/2021/04/23/launch-your-freelance-writing-career-a-journalism-workshop-with-coco-khan-guardian-masterclasses/ Fri, 23 Apr 2021 15:01:00 +0000 https://annettehyder.com/2021/04/23/launch-your-freelance-writing-career-a-journalism-workshop-with-coco-khan-guardian-masterclasses/

It’s no secret that freelance writing and journalism careers can be fickle things: your arguments can come back cold, or you will suddenly find your inbox flooded with an avalanche of requests – and during that time. , you just saw on social media that such-and-such a newbie rose to fame after just one commission.

Equipping yourself with survival skills such as a restless mindset, a listening ear, and a strong range of organizational skills is essential for the longevity of a freelance career – as is an ability to find work that puts you at your best. challenge as much as it brings you fulfillment and expansion. your portfolio with pieces that make you feel like you’re really thriving.

In this workshop with writer and columnist Coco khan, you’ll learn the difference between surviving and thriving as a freelance writer – and why they are just as important as each other. She’ll cover the practical skills of presenting to editors and finding your voice as a writer, while also delving deep into the art of supporting yourself.

This masterclass is packed with hard-earned advice on how to make a living in journalism and freelance writing, and how to do it while still maintaining your authenticity.

Course content

  • Transition from citizen or student journalism to professional writing
  • What to expect from the life of a freelance journalist
  • How to spot and present strong stories to publishers – then get paid to write them
  • Build and maintain relationships with publishers
  • The difference between surviving and thriving – and why both are important
  • Expand your portfolio without compromising your values ​​or your personality
  • Questions and answers

This course is for …

  • Beginners who want to take their first steps in professional writing
  • Early career writers looking to diversify their work to make their careers more financially sustainable

You will receive a link to the webinar 2 hours before the start time of 6:00 p.m. PST.

Tutor profiles

Coco khan is a columnist, editor and editor. Prior to joining The Guardian, she was a freelance writer for many years and continues to work with magazine titles in the UK and US. She tweets @cocobyname.

Details

Dated: Thursday, May 27, 2021
Time:
6 p.m. – 8:30 p.m. (BST)
Price £ 49 (plus booking fee)

This masterclass is available worldwide. If you are joining us from outside the UK please use this time zone converter to check your local live broadcast time.

6 p.m. BST | 7 p.m. CEST | 10am PDT | 1 p.m. EDT

Information on Guardian Masterclasses

To contact us, click here. The terms and conditions can be found here.

All Guardian Masterclasses are fully accessible – but please contact us if you have any questions or concerns.

Return policy
Once the purchase is made, we will not be able to refund you if you are not present or if you cancel your event reservation. Please see our terms and conditions for more information on our refund policy.

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Apple’s new iPads lead tablet sales boom during pandemic https://annettehyder.com/2021/04/23/apples-new-ipads-lead-tablet-sales-boom-during-pandemic/ Fri, 23 Apr 2021 13:10:04 +0000 https://annettehyder.com/2021/04/23/apples-new-ipads-lead-tablet-sales-boom-during-pandemic/

Apple has announced its new iPad Pro equipped with the M1. It’s more powerful than its immediate predecessor and costs between $ 799 and $ 1,099, with additional storage options available. But who will buy such a device in 2021 and beyond? It turns out that the tablet industry is booming right now.

After impressive growth in the first half of the last decade, the tablet sales fell drastically since. Between customers who keep their tablets longer than their phones and increasingly larger phone screens, demand for tablets peaked around 2014.

But collected data by IDC suggests that sales increased in 2020 as people worked and learned from home during the COVID-19 pandemic. In 2019, after 230.1 million units shipped in 2014, that number fell to just 144.5 million. Then 164.1 million units sold in 2020, paving the way for Apple’s new iPad Pro.

And make no mistake: Apple dominates the tablet market, so increasing tablet sales means increasing iPad sales. The release of the iPad and iPad Air 2020 has helped Apple ship 19 million tablets in the last three months of the year, allowing Cupertino to control 36.5% of the market.

In total, Apple shipped 53.2 million iPads in 2020, exceeding the 47.3 million units sold by Apple’s two biggest competitors combined. While Samsung, Huawei, Amazon and Lenovo all saw their numbers jump last year, it’s clear that Apple dominates the tablet market and controls its future.



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9 reasons why everyone should use a VPN. Yes, even non-techies – Forbes Advisor https://annettehyder.com/2021/04/23/9-reasons-why-everyone-should-use-a-vpn-yes-even-non-techies-forbes-advisor/ Fri, 23 Apr 2021 12:15:18 +0000 https://annettehyder.com/2021/04/23/9-reasons-why-everyone-should-use-a-vpn-yes-even-non-techies-forbes-advisor/

If you’ve ever connected to a public Wi-Fi network, worried about how your data was being used by your ISP, or just wanted to unlock Netflix shows that aren’t available in your area, you should consider using a VPN, or virtual private network.

A VPN is a service that encrypts your data and hides your IP address by bouncing your network activity through a secure chain to another server miles away. This masks your online identity, even on public Wi-Fi networks, allowing you to browse the internet safely, securely and anonymously.

9 reasons why you should use a VPN

We’ve covered the basics. Here is an overview of the reasons why you should consider using a VPN.

1. Security on public Wi-Fi

Public Wi-Fi is convenient but comes at the cost of security. When you answer emails at a local cafe or browse social media at the airport, someone might be following your activity online.

Using a VPN protects your data when you are on other networks, by hiding your browsing history, banking information, account passwords and more from malicious strangers on the internet.

2. Confidentiality of data from your Internet service provider

When you are connected to your home Wi-Fi network, you are less likely to be attacked by strangers than on a public connection. However, your data is still vulnerable.

Your ISP or Internet service provider – Comcast, Spectrum, Verizon, or whatever company you pay for Wi-Fi each month – can access all of your Internet data. Your ISP can see when, where and how you are browsing.

This data can be collected and sold to advertisers even if you use the “private” browsing feature, and it can be dangerous in the wrong hands in the event of a data breach. A VPN can help hide your IP address from your own ISP.

3. Data privacy of the applications and services you use

Your ISP is not the only potential liability that you have brought into your home. Unfortunately, many of our favorite internet apps and services, including Facebook, have come under fire for the way they have used their users’ data.

A VPN will prevent apps and websites from attributing your behavior to your computer’s IP address. It may also limit the collection of your location and browser history.

4. Confidentiality of your government data

While many Internet ISPs, apps, and data centers suggest they don’t sell your browsing data to governments, the information nonetheless finds its way into their hands, even in the United States.

Since 2013, when Edward Snowden first revealed that Verizon sold users’ internet and phone data to the NSA, Americans have become more aware of the different ways the government monitors and collects their data. Following the Snowden leaks and the outrage that followed, several laws were enacted to curb government oversight.

However, as recently as January of this year, the Defense intelligence agency bypassed a law requiring government agencies to produce warrants before coercing phone companies for their user data by paying third-party data brokers for that same data, according to the New York Times.

If you have any qualms about government reach, a VPN is a good investment to protect your data.

5. Access to any content anywhere

While Hulu may frown on your using a VPN to stream the latest Criminal minds Episode in a country where content is not offered, this VPN use is not illegal (in the US and most countries), and it helps provide a useful workaround to content restrictions.

VPNs spoof your location, making it look like you’re browsing from somewhere else. It means you can get your Criminal minds correct even if it is not available locally.

6. Safety when working remotely

One of the advantages of a VPN is its data encryption features. Encryption, or putting data in an encoded format so that its meaning is obscured, allows you to protect confidential information.

If you are an individual who is considering investing in a VPN for your business, one of the benefits is that employees can connect to your office network and view sensitive documents on their own devices when they are not at home. office. As remote working seems a possibility even after the pandemic is over, a VPN is a worthwhile investment to protect confidential offsite material.

7. Easy to use

While we would all like to add more security to our lives, some security devices and processes seem to take more effort than they are worth for those who are unfavorable to technology. VPNs, however, are easy to use. Several vendors have created intuitive and user-friendly interfaces that make installation and use accessible to non-technicians.

8. Adaptable to many smart devices

While many of us may first try a VPN on a company loaned laptop, many VPN services also protect other smart devices like your phones, tablets, and desktops. Each VPN company may offer slightly different protection plans and have different capabilities to protect different devices, but many providers offer plans that help you stay safe on multiple devices.

9. Smart savings

If you’re willing to do a little research, a VPN can help save you money with its location spoofing capabilities. Many types of businesses, such as subscription services and airlines, offer the same equipment or products at different prices. If you change the look of your location to a place where services are offered at a lower cost, you can end up with big savings.

VPN limitations

While a VPN is a great tool to help you separate your location (and in many ways, you) from your data, it doesn’t obscure everything about you. If you take a Facebook quiz or like a post on Instagram, the app you use while connected to the VPN is still able to use your behavior to personalize ads and app content. They might not know where you are browsing from, but they will always know what you are doing on their apps.

Likewise, if cookies are enabled on your computer, businesses can track you while you’re on their site – and after. Your complete data is not hidden with a VPN alone. Combining the protection of a VPN with Tor, an open-source tool that lets you browse the web anonymously, and other security measures are needed for more comprehensive security.

VPNs are not perfect tools. Like any computer program, they are susceptible to malware and online attacks. In the event of an infection, the security benefits of a VPN are negated.

The likelihood of attacks and security breaches is increased by using a free VPN service. To recoup their business costs, “free” VPN services can sell user data or serve advertisements that may be infected with malware. If your goal is to increase the privacy of your data, investing in a paid VPN is your best bet.

Global legality issues

Beyond security issues, there are questions of legality. If you are based or visit a large list of countries, including Russia and China, VPNs are either banned or highly regulated.

It’s important to know the laws of your country and any country you visit before using a VPN, as well as understanding if your VPN use is monitored by a government, negating its privacy benefits.

Frequently Asked Questions (FAQ)

Are VPNs Really Necessary?

If you’re concerned about your data privacy, VPNs are an easy-to-use, reasonably priced security measure that gives you a basic level of internet protection. While it might seem silly to protect your data when you’re doing nothing “wrong” on the Internet, even the most innocent of us have data secrets online, such as sensitive passwords and financial information. .

A VPN’s identity protection and encryption services are like a lock on a door, or in other words, a basic security measure that everyone should have.

Does my business have to use a VPN?

If you are a business with confidential documents or a business that wants to allow its employees to access your network remotely, you should use a VPN.

Yes. VPNs are not foolproof and, like all software, can be susceptible to hacks and malware.

Several Android VPNs were hacked in February 2021, leaking data on millions of users. This is because these VPN services tracked their users’ data in the first place.

To limit vulnerability to hacks and data leaks, make sure your VPN doesn’t collect your data and provides adequate encryption. Free VPNs may not offer the best protection.

Is it illegal to use a VPN to watch Netflix?

No. While subscription services may frown upon using VPNs to stream, this use is not illegal. VPNs are illegal in some countries for any purpose, however. Check the restrictions for your country or the countries you are visiting before using a VPN.



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What is the stock market? – Councilor Forbes https://annettehyder.com/2021/04/22/what-is-the-stock-market-councilor-forbes/ Thu, 22 Apr 2021 15:00:33 +0000 https://annettehyder.com/2021/04/22/what-is-the-stock-market-councilor-forbes/

Editorial Note: Forbes may charge a commission on sales made from partner links on this page, but this does not affect the opinions or ratings of our editors.

The stock market is a constellation of exchanges where securities like stocks and bonds are bought and sold. In the United States, “the stock market” and “Wall Street” can refer to the entire world of securities trading – including the exchanges where the shares of public companies are listed for sale and the markets where other securities are traded. .

How does the stock market work?

The stock market helps companies raise money to finance their operations by selling stocks, and it creates and maintains wealth for individual investors.

Companies raise funds in the stock market by selling stakes to investors. These equity investments are called equity shares. By listing shares for sale on the exchanges that make up the stock market, companies have access to the capital they need to operate and develop their businesses without having to go into debt. In return for the privilege of selling shares to the public, companies are required to disclose information and give shareholders a say in how their businesses are run.

Investors profit by exchanging their money for stocks in the stock market. As companies put that money to work to grow and grow their businesses, investors reap the rewards as their stocks become more valuable over time, resulting in capital gains. In addition, companies pay dividends to their shareholders as their profits increase.

The performance of individual stocks varies widely over time, but as a whole the stock market has historically rewarded investors with average annual returns of around 10%, making it one of the most reliable ways to do it. grow your money.

Stock market vs Stock market

Although the terms are used interchangeably, the stock market is not the same as a stock exchange. Think of a stock exchange as part of a whole – the stock market includes many exchanges, such as the Nasdaq or the New York Stock Exchange (NYSE) in the United States.

When people talk about the performance of the stock market, they are talking about the thousands of public companies listed on multiple exchanges. And more generally, the stock market can be thought of as encompassing a very broad universe of bonds, mutual funds, exchange-traded funds (ETFs) and other securities beyond stocks.

What is a stock market index?

A stock index tracks the performance of a group of stocks that represents a particular industry or segment of the stock market, such as the technology, energy, and transportation sectors. Often, one of the big three indexes is used as a shorthand to describe the performance of the US stock market as a whole:

  • Dow Jones Industrial Average (DJIA). The DJIA is made up of 30 blue chip stocks of US industrial companies.
  • NYSE Composite Index. The NYSE Composite Index tracks the price movements of all common stocks listed on the New York Stock Exchange.
  • S&P 500. The S&P 500 represents 500 of the largest companies in the US economy.

Other types of markets

The stock market generally refers to the markets and exchanges where stocks and related securities are traded. Other types of financial assets have their own markets.

  • Over-the-counter (OTC) markets. OTC describes securities transactions that take place outside of the major stock exchanges. OTC transactions are mostly done directly between sellers and buyers, and prices may or may not be publicly available. Most bonds are traded over-the-counter, and many stocks, including penny stocks, are also traded over-the-counter.
  • Commodity markets. Commodities like steel, coal and petroleum are traded in commodity markets. There are around 50 major commodity markets around the world that facilitate trading in a wide range of commodities.
  • Derivatives. Derivatives are financial contracts like options whose value is linked to an underlying asset. These are essentially contractual bets on the rise or fall in the value of individual securities. For experienced investors, derivatives can be extremely lucrative ways to hedge their bets when investing, and they can be incredibly risky for beginners.
  • Foreign exchange markets. Forex trading is an international market without borders for the exchange of currencies. Forex traders take advantage of the constantly fluctuating values ​​of different currencies to make profits and help provide liquidity for international trade.
  • Cryptocurrency. Bitcoin and Ethereum are cryptocurrencies or decentralized digital assets based on blockchain technology. Cryptocurrencies are traded on specialized crypto exchanges.

How to invest in the stock market

If you want to invest in the stock market, the process of getting started is easier than you might think:

  1. Decide on the type of account you want to open. From retirement savings to college savings, short term goals to long term goals, there really is an investment account for everything.
  2. Open a brokerage account. Once you have decided on the type of account you want, you are ready to open an account with a provider called brokerage. When choosing a business, consider its fees and available investment options.
  3. Deposit money. To get started, you need to make an initial deposit. You can also set up recurring deposits to automate your investments in the future.
  4. Choose your investments. Once your account is opened, you can buy and sell securities. You can opt for individual stocks and bonds or mutual funds, index funds and exchange traded funds (ETFs) that contain hundreds of individual securities. Many experts recommend a diversified fund-based approach to minimize the risk that any bad investment will cause you to lose money.
  5. Buy your investments. Once you’ve chosen what you want to buy, simply enter the ticker symbol in the buy field and indicate how many shares you want to buy.



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