![]() Hire a professional credit repair company Even if the collections agency doesn’t agree to this arrangement, you may find that it will still accept 50% as settlement of the debt. If you succeed in negotiating a pay-for-delete arrangement, you should see the negative item deleted from your credit report within a month of making your payment. However, do bear in mind that many companies do not engage in this practice, as it’s frowned upon by credit agencies. There’s a chance you’ll be able to get the negative item removed at a negotiated rate. When you enter negotiations with AWA, start by asking if the agency will accept 50% of what you owe to close your account and delete its negative items from your credit history. This is known as a pay-to-delete arrangement. Instead, you need to get the collection agency to agree, in writing, to withdraw its collections account from your credit report in exchange for your payment. However, paying off the balance won’t be sufficient to remove the item from your credit report it’ll remain there for up to seven years. In this case, you'll need to make a payment to get AWA Collection Services off your back. ![]() Let's say AWA has validated your debt or has already been contacting you for longer than a month. If AWA Collections finds the documentation it needs to prove you owe the debt, you’ll need to move on to the next step: negotiation. You could still pay off the balance whenever you're able, but in the meantime, AWA's collections account wouldn't keep pulling down your score. That means they’ll stop calling and sending you letters, too. If they can't prove you owe the money, they have to update the three main credit bureaus - Experian, Equifax, and TransUnion - to delete your negative items. This means they might not have access to your original creditor's full records of your debt and so may not be able to prove you owe the money. Agencies like AWA are third-party debt collectors. However, even if the investigation proves that you do owe the debt, this strategy could still help. If the negative items from AWA relate to an error, sending a debt validation letter should clear up the problem. You might get the negative item deleted from your credit profile using nothing more than a debt validation letter, as this will force AWA to investigate your dispute. From the first time AWA contacts you, you have 30 days to dispute your debt and ask for more information. Hire a professional credit repair companyĪccording to the Fair Debt Collection Practices Act (FDCPA), a debt collector can’t require payment from you without first proving that you owe the debt.If you have collections entries on your credit report, you can: Steps to remove AWA Collections from your credit report Website: If you’re planning to write or call AWA collections, first check out our top tips for how to negotiate and what to ask for. You can contact AWA Collections at their mailing address: ![]() in Orange, California, while its client services are based in Dickson, Tennessee. Short for Adler Wallach & Associates, Inc., AWA is a small debt collector that’s been operating since 1993, according to its BBB profile.ĪWA’s corporate offices are on W. What is AWA Collections?ĪWA Collections isn’t a well-known name, but it is a legitimate company. If you’re wondering how best to proceed with a debt collector like AWA Collections, we’ve got you covered. Is AWA Collections flooding your phone and mailbox, claiming you owe money? Or did a new entry from this collection agency just appear on your credit report? Either way, you can take action to minimize damage to your credit score while also stopping the company’s phone calls and letters.
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Completing it introduces you to Javi, unlocks the Retractor option for your grappling hook, and puts you on an unlabeled side quest to discover the rest of Otorongo's Tombs. Once you’ve completed “Behind the Lines” in Wachikuni, a new quest called “The Secret History of Solis” appears on your world map. THQ X360: DEAD RISING CAPCOM X360: JUST CAUSE ARTIST : LABEL & NUMBER. By finding out the truth behind Solis’s indigenous population, you can give Oscar Espinosa one more headache right when he needs it the least. Hugh Jackman/Halle Berry 3 2 4 4 10 5 3 Keanu Reeves/Sandra Bullock Aaron. ![]() Javi Huertes thinks he can prove otherwise, and needs your help to do it. Since then, the Espinosas have maintained a version of history where the original rulers of Solis were tyrants and madmen, who their ancestors justly deposed. If done correctly, a 'Jump to vehicle' icon will appear. There is a lot to find in Just Cause 4, mostly tools of destruction that you can use as your implements as you paint a tapestry of chaos and mayhem on the canvas of the game’s world. But its worth pointing out that this is but day one of a multi-day trial, and both Booty and Hines were. Try to hover over one of the wings or the front of the plane (recommended). 2 Next ArmY of 0n3 Table Makers Posts: 270 Joined: Fri 11:21 pm Reputation: 396 Just Cause 4 by ArmY of 0n3 » Wed 5:29 am Just Cause 4 v1.0.0 JustCause4.CT How to use this cheat table Install Cheat Engine Double-click the. This is where Hines testimony ended, leaving Xbox looking a bit unconvincing. ![]() The island of Solis in Just Cause 4 has been ruled for centuries by the Espinosa family, ever since the days when they were conquistadores. Just Cause PSX Boarding the Presidents plane When you are flying the jet in the final level, fly over the top of the plane. To unlock more pilots in the game, you can build factories and increase their. There are seven tombs to explore in total, six after completing the introduction: The Secret History of Solis. The master list of Just Cause 2 cheats for Xbox 360, PlayStation 3, and PC includes all vehicle locations and. One of the just cause 4 PS4 cheats you can use is to unlock more pilots. ![]() It drops several small bombs, you need to drop them all in the hole and fire each one at the boss. ![]() Possum will hack the Quadcopter and send it haywire. Drop BK and the USB into the hole, then fire him up so he hits the Quadcopter. As soon as you regain control, the Quadcopter will start to charge up an attack, you need to act quickly. the 'copter returns and this time with a bazooka, but BK arrives with the hacking USB stick. Once the third hit connects you get a cut scene, but we are not done yet. You will need to do a minimum of three cycles, as you need to hit the Quadcopter three times with small bombs to defeat it. The boss will go through the cycle again: concrete canon > bombs > charge up and attack. If you fail to hit it before it powers up its attack and damages Mira's health bar, then you will have to do another cycle of concrete canon then bombs, also, you will have voided the Flawless achievement, so will need to restart that if you are going for it. You can hit it with your bomb at any point but when it is still, it is the easiest time. After moving around and dropping bombs for a bit, the Quadcopter will stop still and power up its attack. ![]() You want to fire it and hit the Quadcopter, easiest way is to keep out of the way of the exploding bombs and wait for the Quadcopter to stop moving then fire up from beneath. Next the boss will drop bombs, there will be a small bomb, drop this in the hole to load it up in the catapult. If you do get hit with concrete, you'll need a bomb explosion to clear it. Once the beeping gets rapid and high pitched, start moving the hole and keep it moving so you don't get filled with concrete. First the boss will target you with its concrete canon. ![]() Last week Ford unveiled a new, smaller electric Courier van aimed at winning business customers in Europe, and boxing out startups. "It's a major challenge and you have to take some tough decisions," Slatter said. ![]() Slatter said boosting EV production across an entire model lineup is difficult, which is why, for instance, the carmaker will discontinue its Ford Fiesta hatchback in Europe this year. That's the reality."įord's UK head, Tim Slatter, said the carmaker had underestimated demand for its E Transit and is racing to catch up. "If Ford loses that (F-150 Lightning) fight, Ford doesn't exist. "The Chevy Silverado, the Mercedes EQS, the Ford F-150 Lightning, are existential questions for these companies, the vans are not," Merkt says. Steven Merkt, head of transportation solutions at major supplier TE Connectivity (TEL.N), said as well as being late with ECV models, legacy automakers are prioritizing big-volume passenger models over vans amid tight EV battery material supply. ![]() There is no difference in delays for conventional and electric vans at Renault, said commercial vehicle marketing director John Cleworth. Fleet manager Sean Clifton has 50 additional Ford vans and 20 Maxus vans on order, but will need more soon as Asda electrifies its 1,300 delivery vans.Ĭlifton wants electric Mercedes chassis cab vans, but he said while those were initially slated for 2022, they will not arrive until 2024.Ī Mercedes-Benz spokesman said the automaker deliberately focused on ECVs for package delivery first and the chassis cab version will launch on time in 2024.Ī spokesman for Italian truck, van and bus maker Iveco Group (IVG.MI) said it should produce several thousand of its new eDAILY ECV model this year, adding that van production has been hit by component shortages and high raw material costs. Seven of UK supermarket chain Asda's eight ECVs are Maxus models, the other is a Ford. "For the next couple of years there will not be enough supply of ECVs." 'EXISTENTIAL QUESTIONS' "There is no magic wand to fix this, we just need to get the manufacturers up to speed," said Tim Albertsen, CEO of ALD (ALDA.PA), one of Europe's largest vehicle leasing firms. automaker General Motors Co's (GM.N) BrightDrop van brand is doing the same at its plant in Ontario, Canada. Others looking to gain share include Geely's (0175.HK) van brand, Farizon, which will start delivering vans in Europe in 2024.ī-ON, which bought the StreetScooter ECV brand from Deutsche Post (DPWGn.DE) unit DHL, is boosting production in Germany and the United States, while U.S. That total is more than Ford, Nissan (7201.T) or Fiat, and up 28% versus 2021. "We plan to expand further into Central Europe areas," it added.Įlectric van market data is scarce, but according to statistics provided to Reuters by the International Council on Clean Transportation, in 2022 Maxus had around 6% of Europe's new ECV market, including the UK, selling nearly 5,000 ECVs. SAIC said it sold 18,000 mostly electric Maxus brand vehicles in Western Europe and Scandinavia last year, including buses and pickup trucks. Maxus has an advantage while legacy automakers struggle to electrify entire model lineups. "If we don't, they're gone in days."Īs fleets shift to zero-emission vehicles, newer brands have a chance to grab market share. "As soon as vans arrive dealers call us and we have to move quickly," Thomas said. Recently Packfleet has been able to obtain more Peugeot, Ford and Citroen ECVs, but has to move quickly to get them. When the company sought its first ECVs in late 2021, "we basically got laughed out of town by most dealers," with most legacy brand vans on a 12-month back order, he said. The company aims to double its fleet this year. Packfleet grew tenfold in 2022 and CEO Tristan Thomas said most of the company's 53-vehicle fleet are Maxus vans. UK last-mile delivery startup Packfleet uses only ECVs to deliver packages in London for large and small corporate customers seeking a zero-emission experience for consumers. With commercial vans, however, they also have dealt with supply-chain challenges. The established automakers were slow to embrace electric vehicles, allowing Tesla Inc (TSLA.O) to race ahead on passenger cars. LONDON, April 13 (Reuters) - Legacy automakers got off to a late start with their commercial electric vans, opening the door for other electric commercial vehicle (ECV) makers to gain a foothold, as the Maxus brand from China's SAIC Motor Corp (600104.SS) has done in Europe.įleet customers complain they simply cannot obtain enough electric vans from the likes of Ford Motor Co (F.N), Stellantis NV (STLAM.MI) brand Peugeot, Renault (RENA.PA) or Mercedes (MBGn.DE), and so they are casting about for alternatives. ![]() Still, Golombek insists the Child Care Expenses Deduction is the best remaining option for working parents, now that the income-splitting Family Tax Cut is gone, and arts, fitness and textbook tax breaks are off the table.Įach child’s age-based deduction limit is pretty straight-forward, $8,000 for children six and under, and $5,000 for children between seven and 16 years old. ![]() “The government has eliminated most of the tax deductions and credits that are available on the return, and have replaced a lot of the benefits with this non-taxable Canada Child Benefit, which you receive tax free on a monthly basis.” Really, the only thing that’s left for most people is the Child Care Expenses Deduction,” he told CTVNews.ca in an interview. “Most of the tax benefits that are accruing to parents in 2017-2018 are coming from outside the tax-return system. In a two-parent household, only the lower-earning parent qualifies, and only if they have an earned income of $11,635 or more in the 2017 tax year. To qualify for the Child Care Expenses Deduction, parents must have children under 16 years old. Just seven per cent of respondents to a survey by TurboTax conducted before Canadians filled out their 2016 tax returns last spring said they planned to claim the deduction for $8,000 in child-care expenses for children six and under, and $5,000 for children between seven and 16 years old.įor Jamie Golombek, CIBC’s managing director of tax and estate planning, the figure is evidence of the small pool of Canadians eligible to claim child-care costs on their federal income tax return. But experts say parents may not be taking full advantage of the Child Care Expenses Deduction, which could be the most valuable option. Oftentimes, parents buy children items, only to realize what they really value is experiences, Broadway said.With the income-splitting Family Tax Cut, arts, fitness and textbook tax breaks now off the table, Canadian working parents are nearly out of opportunities to deduct child-care costs on their tax returns. This year, I'm cutting costs by making better use of free activities. There were so many toys in my house by the end of 2022 that my son and I gave half away. I can now roll that money over into the new year. The cherry on top is I had $1,500 left over thanks to my employer's contributions to my HSA account. Since my son and I went to the doctor a handful of times that year, my out-of-pocket costs came to just about $700. Keep in mind that with these plans, you may end up paying a higher deductible before your insurance starts sharing health care costs with you. High-deductible health plans sometimes have lower premiums, which leads to some people saving money. You must have a high-deductible health insurance plan to contribute to an HSA. The contributions are made with pre-tax dollars and are also tax-deductible. The limit for HSAs in 2023 is $3,850 for individuals and $7,750 for families. HSAs can be used to pay health care expenses. If you have a relatively healthy child and can say the same for yourself, think about whether a health savings account could save you money. Adding copays every time you visit the doctor increases your out-of-pocket costs even more. Premiums can become a noticeable expense when you pay them monthly. Over time that actually does add up," she said. ![]() "You'll be surprised, the difference can be pretty large - sometimes 40, 50 bucks difference just because of delivery fees and the inflated prices. Dominique Broadway, a personal finance expert and founder of Finances Demystified in Miami, Florida, switched from going to the store to using grocery delivery services so she knows exactly how much she'll spend. One cost-saving strategy is to plan your shopping ahead of time to avoid buying items you don't need. 3 tips for stretching your dollar at the grocery store.As Davos kicks off, Oxfam calls for tax on food companies to reduce inequality.This may especially be the case if you're feeling the effects of higher food costs due to inflation. If your snack cupboard is empty within three to five business days because your kids have bottomless bellies, then you may be looking for ways to reduce your grocery bill. ![]() You can contribute $ 5,000 per household to a dependent care FSA in 2023, or $2,500 if you're married filing separately. Bell suggests maxing out that account for the year and also utilizing an employer FSA match if your company offers one. Record number of employees taking off work for sick kids 04:31Īdditionally, you could contribute to a dependent care flexible savings account, which allows you to use pre-tax dollars to pay for child care. Vocal cord lesions, such as vocal nodules, polyps, or cysts, can cause a raspy singing voice. It may be tempting to sing with that sexy raspiness when you are under the weather, but you may just be prolonging the irritation and inflammation in your body. Inflammation in the throat, sinuses, or airways can also contribute to a raspy voice.Īdditionally, conditions like acid reflux, a cold, or allergies that cause chronic irritation in the throat can result in a persistent raspy quality in the voice. Respiratory infections, such as laryngitis or bronchitis, can inflame the vocal cords and disrupt their normal function. Natural Raspy Voice CausesĬertain infections or illnesses can cause temporary changes in the vocal cords, leading to a raspy voice. This can pose challenges in conveying the intended message of a song and connecting with the audience. The rough texture of the voice can interfere with precise enunciation, leading to a loss of clarity in the words being sung. The raspiness in a singer's voice can sometimes make it more difficult to articulate lyrics clearly. The raspiness can create a natural limitation in the higher or lower registers, making it challenging to hit certain notes or sing with the same clarity and control as a non-raspy voice. Raspy singing often involves a rough or gravelly quality in the voice, which can affect the singer's ability to access their full vocal range. ![]() Over time, this increased effort can lead to vocal fatigue, which may result in diminished vocal performance, loss of range, and a decreased ability to sustain long notes or perform for extended periods. Singing with a raspy voice can be physically demanding, as it requires the vocal cords to work harder to produce the desired sound. It's essential for raspy singers to maintain good vocal health and employ proper vocal techniques to avoid strain. The vocal cords are delicate muscles, and excessive or improper use can lead to vocal fatigue, hoarseness, and even vocal cord damage. Singing with a consistently raspy voice can put a strain on the vocal cords. Let's discuss some pros and cons when it comes to raspy vocals, and how you can incorporate this skill without doing any harm to your vocal cords. Many raspy celebrities had a good career, so why can't you? ![]() Is it worth the risk? Is there a way to do it healthily?Īnd what about legendary raspy singers that we know and love? Rasp can give your voice sultriness and soul. Singing with a raspy voice gives you a unique edge in your performance, but tons of vocal coaches also say that it's unhealthy to try and force yourself to sing with this method. 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![]() The 19th-century collected edition published Schubert's compositions for piano and one other instrument in its eighth series in 1886, edited by Ignaz Brüll. ![]() The pieces were recorded in the 20th and 21st century. The publication of Schubert's works for violin and piano had started in 1827 and was completed quarter of a century later.
![]() WeChat-based games have already accumulated 310 million users. On Monday, WeChat also announced a partnership with French video game developer Ubisoft ( > Ubisoft Entertainment), whose mobile game publisher Ketchapp will start launching WeChat-based games. "We have plenty of patience for mini-programmes," Zhang said. More than 1 million developers and 2,300 third-party platforms are currently working on WeChat mini-programmes.Īccording to Zhang, the current adoption of mini-programmes is fully in line with expectations. Tencent stock fell 0.45 to 33.37 in the stock market today after setting a record 34.25 soon after trading opened. There are now some 580,000 mini-programmes on WeChat with 170 million daily active users, Gerald Hu, a WeChat manager told the conference. The launch of "mini-programmes" last January was seen by many as a threat to Apple's and Google's duopoly over the app-store ecosystem, but Tencent has repeatedly said it was not seeking to compete against Apple or to kill apps. WeChat, with nearly 1 billion users, is the most popular app in China that integrates messaging, payment, gaming, content publishing, as well as "mini programmes" that look and operate much like apps on iOS and Google's ( > Alphabet) Android operating systems - but are far less data-intensive. firm had modified its app store rule to exempt personal cash gifts from being counted as in-app purchases, of which Apple takes a 30 percent cut. The new tipping button would be tweaked so that payments go to individual authors, instead of the WeChat public account holders, Zhang added, without giving any further details on when exactly the feature would be reintroduced on iOS.Īpple did not immediately reply to an email seeking comment. Tencent Holdings' ( > Tencent Holdings Ltd) WeChat has reached an understanding with Apple regarding this "feature with Chinese characteristics", Allen Zhang, the creator and president of WeChat, said at the annual WeChat developers conference in Guangzhou on Monday. The official name for this contract is Euronext milliing wheat No 2.HONG KONG (Reuters) - China's largest social media platform WeChat plans to resurrect its "tipping" feature used to send cash to content creators, after removing it from Apple Inc's ( > Apple) iOS devices last year over an app-store rules dispute with the U.S. Altough the contract is not named "Matif Milling Wheat" anymore, it is still commonly referred by this name. It was merged with the merger of the Paris Bourse with Euronext NV to Euronext Paris, which belongs to the exchange operator Euro Next. MATIF (Marché à Terme International de France) is a former futures exchange in France. Specific Weight: 76 kg / hl, moisture content: 15%, broken grain percentage: 4%, sprouted grains: 2% impurities: 2%, Mycotixine not exceed the EU's maximum quantity provisions of legislation for unprocessed cereal products intended for use as food. (If not a trading day, the subsequent trading day applies) The standard quality specifications are as follows: The last trading day is the 10th day in each delivery month, at 18:30 clock. The delivery months are March, May, September and December. The tick size for Matif wheat (Euronext milling wheat) is € 0.25 per ton (total contract: € 12.50). The Euronext Milling Wheat future is a commonly used indication for wheat prices in Europe and Africa. Price of milling wheat and the Euronext milling wheat contract |