Archive for July 2016

‘Beginning A Brand-new Period’ At The Brick Shop Museum

KENNEBUNK #x 2014; The Brick Shop Museum is commemorating its 80 years on Main Street with a two-day event as a thank you to the community. #xa 0;

#x 201c; The community does so much to support the Brick Store Museum, #x 201d; stated Walker. #x 201c; This celebration is really to thank everybody for enabling us to be their area memory-keepers all these years. #x 201d;

The Brick Shop Museum turns 80 years old on July 1. Since #xa 0; 1936, the museum has actually fired up personal connections to regional history, art and culture in its 5 #xa 0; historic buildings at the top of Main Street. #xa 0; American artist Edith Barry initially opened the museum on the second floor of her great-grandfather #x 2019; s old general store, built in 1825. #xa 0; SoonRight after acquiring contributions of artifacts from townspeople, Barry bought the remaining #xa 0; buildings on the block (the previous Chamberlain #x 2019; s Car Store and the IGA grocery structure) and #xa 0; broadened the museum in the 1950s. #xa 0; Now, the Brick Store Museum is a nationally-accredited organization by the American Alliance of Museums (one of 16 in Maine) that #xa 0; operates year-round exclusively on personal contributions, grants and admissions.To commemorate 80

years of education, conservation and engagement, a #xa 0; Fancy GownCostume Celebration will be held from 7 to 9 pm on Thursday, June 30 at the museum and a Neighborhood Birthday Event will be held from 5:30 to 9:30 pm on Friday, July 1 at the Waterhouse Center. #xa 0; Both events will include recently scanned pictures that have never ever been seen prior to. The museum acquired a grant that has permitted them to scan years of glass plate negatives. #x 201c; ManyThe majority of these wear #x 2019; t have any identification, so we #x 2019; re hoping guests recognize some of the peopleindividuals in these old pictures from their household history, #x 201d; Walker said.For Thursday #x 2019; s Fancy DressCostume Bash individuals are motivated to #x 201c; gown to the nines #x 201d; in whatever decade of fashion they like. Guests will go into the Museum by means of a red carpet to enjoy a 1930 #x 2019; s themed night including mixed drinks, hors d #x 2019; oeuvres, and a raffle and auction. A live jazz performance will set the mood for a night in the galleries and under the stars.Tickets are$65 with a $45 tax deductible contribution to the museum included in each ticket. Tickets can be bought on the Brick Shop Museum site www.brickstoremuseum.org Friday #x 2019; s 80th Birthday Event is a free event provided by Kennebunk Cost savings Bank with the assistance of Corning and the Kennebunkport Resort Collection. The household friendly occasion is open to the

entire community, starting from 5:30 to 7:30 pm with a DJ and dancing, a bounce house from Sharp Pencil Creative, art activities, an image booth, moveable museum displays and more. From 7:30 to 9:30 pm the Hadacol Bouncers will play New Orleans design jazz for party-goers. Walker stated there will be birthday cake, and the museum will use the hugecinemas at Waterhouse Center to unveil just recently digitized and never ever before seen 16 millimeter home motion pictures from the 50 #x 2019; s and 60 #x 2019; s.Also at Friday #x 2019

; s event, personnel and trustees of the museum will be revealing a gift they say will be used by every personeveryone in the community. The general public is invited to sign up with the museum at the event, running from 5:30 to 9:30 pm, to hear the announcement. This is an initiative that has been in the planning stages for the past year, Walker said.She said the unique statement along with the birthday celebration both seem like a terrific way to thank the community for several years of assistance. #x 201c; We #x 2019; re sort of beginning a new age, and we #x 2019; re excited to protect the history and memories of the community for

years to come, #x 201d; Walker said.For more details on the Brick Store Museum 80th Birthday Celebration go to www.brickstoremuseum.org. #xa 0; #xa 0; #xa 0;

Lower Township Leisure Department Prepares For Exciting Summer Season

Plenn stated that the camps run the range from basketball to cooking and kept in mind that there is something for everyone.Football and Cheerleading Registration The Lower Area Department Recreation Department is now accepting registration for youth football. Participants can sign up with the taxi, peewee, junior university or university groups depending on their grade. Registration is open to children entering into initially from 8th grade.The cost for the youth football program for homeowners is$20 for one child, two kids are$30 and 3 or more is$35. For non-residents the cost is $30 for one kid, two children for $40 and three or more $45. Cheerleading registration is likewise now open to children in initially from eighth grade.

Cheerleading is broken down into different age departments with the taxi division for very first and 2nd grades, peewee for third and fourth grades, and junior varsity for 5th and sixth grades and varsity for seventh and 8th grades.Cheerleading expenses for homeowners is $15 for one child, $25 for two kids and$30 for 3 or more kids.

Expenses for non-residents are $20 for one kid, $30 for 2 kids and $35 for three or more children.Wrestling Camp Cape May FitnessGym and the Lower Area Department of Parks and Leisure are providing a fumbling summer program from June 20 from August 10. The program, under the direction of Coach Billy Damiana, is predicated on building a solid fumbling foundation while staying focused on each wrestler’s individual goals. The program includes training warm-ups, extending, techniques and drillings, live fumbling and group wrestling.The camp is open to all male and female wrestlers in 2 sessions. Session A is for ages 5-10 on Mondays and Wednesdays at the Cape May Physical fitnessGym on 3860 Bayshore Roadway in North Cape Might from 5 pm to 6 pm Session B is for ages 11 and up on Mondays and Wednesdays at the cape May FitnessGym from 6:15 pm to 7:45 pm Session choices are provided as Gold 1, Gold 2 and Platinum Club Member rates. Gold 1 member runs June 20-July 13 and is $119, Gold 2 member runs July 18-August 10 and is$119, Platinum Member runs June 20-August 10

and is$187. Drop-ins are welcome.For more details call 609-435-5917. Art-Venture Camps DesireWish to get innovative? Art-Venture camps are run in conjunction with the Center for Community Arts and are for children age nine to 14 for 7 weekly sessions June 27 to August 12. The week of June 27

-July 1 style is: A Picture is Worth a Thousand Words

. Recreate your identity

with your very own words utilizing typography.The week of July 5 -July 8 functions Mandala Mayhem which will check out the adventures of creative mandala making.The week of July 11 -July 15 theme is: Where Do We Draw the Line? Deceive the eye as you take your optical illusionvisual fallacy to a new level by integrating photography with your imaginative drawings.The week of July 18-July 22 features Zen with Zentangles. People have actually checked out the

world of Zentangles for mindfulness and peace. This will be an enjoyable week of kind designs as the class works up to produce a big modernistic zentangle.The week of July 25-July 29 theme is: Exploring Color Through Drama. Color has a symbolic identity, energy, feeling and even humor.The week of August 1-August 5 features DIY Precious jewelry Making.

Explore different precious jewelry materials such as clay and wire and deal with variety of natural crystals and stones.The week of August 8-August 12 style is: Make an Impression. Check out various types and design principals of simple print making and make your very own mark as unique as your fingerprints.Camp costs are$50 per week per kid and includes a light treat and all art products. The week of July 4, camp cost is$40. Registration is limited

and is a first come, initially serve basis. Drop-ins are allowed if area enables. Camp is held at LCMR High School, located at 687 Route 9. For more informationTo learn more call 609-884-7525.

Caper Tiger Basketball Camp The Caper Tiger Basketball Camp is entering its 24th year. Pat Holden, who has actually been included in basketball for over 40 years as both a gamer and a coach, and

his personnel state the objective of the camp is to provide a terrific experience and provide quality guideline at an economical price.The camp includes specific development, improved skills, strategies to use when practicing, self-confidence and what Holden calls an encouraging attitude toward basketball.The camp’s very first session begins June 21 with customized direction and runs up until June 24 throughout the times of 8:30 am to 11:30 am This session is open to boys and women ages 11 through 16. The charge is$ 125 per child.The 2nd session starts on June 27 and runs till July 1 throughout the times of 8:30 am to 12:30 pm and will concentrate on sophisticated and specific skills. This session s open to boys and girls ages nine to 16 and the fee is $140 per child.Parents who are interested

in registering children and ladies for any one of the three programs are motivated to act rapidly since there are a limited quantity of areas and last year’s camp sold out.The camp is sponsored by

Sturdy Cost savings Bank, Steel Pier and the Lower Area Recreation Center. Contributing sponsors include Casiello building and construction Anchor Marketing and Awards by Betz.For added details contact Pat Holden at 609-898-8381. Enjoyable Food Cooking Camp and Fun

Food Baking Camp Young chefs in the cooking camp will develop a broad rangea wide array of enjoyable and flavorful cooking work of arts consisting of healthy meals, tasty deserts, cake designing, ice cream productions and other novelties.

Kids will also be taught the art of rules, napkin folding and table setting.Cooking camp will be held June 27-July 1 for boys and ladies in first from sixth grades and August 1-5 for kids and ladies first through sixth grades.

Art, Animals And Indians: July Occasions At Path Center

The plaza and galleries throughout the California Trail Interpretive Center are filled with lovely, imaginative art. Artists assisted share the stories of Native Americans and pioneers through bronze and paint. Join Susanne Reese for a guided art tour. Reese will talk about the murals, sculptures, architecture, artists and more.July 24 For

the Children

: Pioneer Chores

Think your chores at home are hard? Sign up with Ranger Lisa in the pioneer camp and find out the best ways to wash clothing, gather fuel for your campfire and other leader chores.July 30 Indians of

Northern Nevada Jens Camp will offer a summary

of Great Basin tribes, and then concentrate on people of Elko County and northern Nevada. Camp will discuss traditional lifeways and culture, and emphasize history before Euro-American emigrants and settlers reached the tribes.July 31 For the Kids: Gold Panning Join Don Lemons and learn the best ways to pan for gold, just like

the early gold miners in California. Carefully sift through sand and dirt, and with a little perseverance and much luck, you might strike it abundant. This hands-on program will demonstrate conventional gold panning.For more details about the California Path Interpretive Center call 738-1849. Go to the Path Center online at www.californiatrailcenter.org or https://www.facebook.com/californiatrailinterpretivecenter/.The California Trail Interpretive Center is located eight miles west of Elko on I-80, Hunter exit 292. The Center is open Wednesday through Sunday, 9 am to 4:30 pm Admission is totally free.

PJ’s Trainees Show Art At Fair, Chalkfest

Trainees displayed their art in the library, while the yearly summer Chalkfest was hung on the walkway surrounding the school June 28 and 29.

Trainees in Nancian Hall’s Innovative Art classes have actually been creating lots of variousvarious art tasks, along with taking turns teaching their fellow artists a lesson in their favorite kinds of art.

The classes then put their works, consisting of oil pastels, shape clay animals, and golden plate circular radial design, on screen for summer school classes, parents, staff, and the general public. Likewise participating in the art fair where trainees from the “Plants, Animals and You” and the Life Skills classes.

“We are thrilled that parents are taking time out of their busy schedules to come and see the art work and school projects on screen in the PJ Jacobs library,” said Hall.

Three visitor artists visited the art classes including Bill Zimdars who revealed trainees ways to develop German wax paper stars; Mary Zinda who taught alcohol ink on tiles, and Sarah Lynch — — with her daughter and class member Haley — — who offered a lesson on ways to make wood story boards and wooden family pets.

Trainees in Karen Schultz’s Innovative Arts class are enjoying their time in class making oil-pastel dragons, wood collages, and ‘Who remains in Their Shoe’ personality profiles.

“It has actually been an enjoyment working with these innovative trainees,” says Schultz.

Classes invested June 29 and 30 turning the sidewalks around PJ Jacobs into a colorful and innovative scheme during the very first of 2 Chalkfests. The young artists will hold their 2nd Chalkfest on Tuesday and Wednesday, July 19 amp; 20.

“We have excellent trainees this year,” Hall said. “They all seem to get along and are courteous, well-behaved and respectful. In addition, they are gifted in art. I am awed by their creative designs and abilities.”

How To Get Your Trainee Loans Released In Bankruptcy

Bankruptcy can be a way to get your financial resources back on track, however it isn’t for the faint of heart: It’ll be on your credit rating for seven to 10 years, which will make it more difficultharder for you to qualify for a home loan or automobile loan or get a lease on an apartment. When it pertains to student loans, you might have heard that they can never be released in bankruptcy– however that’s a common misconception.

This belief might discuss why just 0.1% of debtors tried to have their trainee loans forgiven, or “discharged,” through bankruptcy in 2007, according to a study on bankruptcy filings. However of those who attempted, 39% got at least partial discharge. So although it’s hardly a shoo-in, there is some possibility.

Initially, speak with your loan servicer about your scenarios and take advantagemake the most of other repayment alternatives, consisting of deferment and forbearance. That’ll both assist reduce your burden and increase your opportunities of finding trainee loan relief through bankruptcy.

If you choose to proceed, you’ll most likely declare among the 2 primary kinds of personal bankruptcy security: Chapter 7 (liquidation) or Chapter 13 (reorganization). Both bring the opportunity to lower or remove your trainee financial obligation. And, in either case, all wage garnishments and collection attempts, such as call and letters, will stop while your case is open.

How it works

Like a couple of other types of financial obligation, student loans are at first exempt from discharge when you file for bankruptcy That doesn’t mean they can’t be discharged at all– however it will require an extra step in your Chapter 7 filing understood as foe procedures. That’s when you take your loan holder to court within your bankruptcy filing.

As soon as you’ve begun that procedure, there are a few tests the courts utilize to identify whether your payments would posture an “undue challenge.” The more typical test is called the Brunner Test, named after the 1987 Brunner v. New york city State HigherCollege Solutions Corp. case. It has 3 parts:

  1. You should prove that your payments would keep you from preserving a “very little” standardstandard of life.
  2. You should show that additional scenarios, like disability or other health concerns, will keep you from making your payments for a significant portion of the remaining payment duration on your loan.
  3. You must prove that you have actually made good-faith efforts to repay your loans, like changing your payment plan or contacting your trainee loan servicer.

Congress has actually never defined undue difficulty in the bankruptcy code, so there’s a lot of space for interpretation. That means your outcome will depend heavily on external factors, such as who supervises your case and exactly what state you remain in. Typically, though, excellent bets for discharge typically consist of loans for fraudulent schools and individuals with completely crippling medical issues that would make it impossible to makemake money.

Chapter 7 cases take 4 to six months to complete and stay on your credit report for 10 years, but those with a steady earnings might not qualifyreceive it. If you do not qualify or you’re unable to show undue hardship, you might have the ability to choosechoose Chapter 13, which sets you up on a payment plan for all your major financial obligations.

“It’s helpful for folks who have fallen back the more serious financial obligations, like taxes, home or car payments. Chapter 13 lets them pay back those debts over a period of time,” says Ed Boltz, president of the National Association of Customer Bankruptcy Lawyer.

The most significant upside to Chapter 13 is that the court, not your student loan holder or servicer, dictates how much you’ll pay each month. However, if you aren’t able to stay with those payments for the three to five years Chapter 13 cases usually take, your case will be dismissed and your accounts will go back into collections. After you come out of Chapter 13 bankruptcy, which stays on your credit report for seven years, you’ll have to start making routine payments on any staying financial obligations.

Funding your bankruptcy.

Filing for bankruptcy can be costly in itself, costing anywhere from hundreds to countless dollars. And adding adversary procedures to your list will increase the expense. With Chapter 7 bankruptcy, you’ll need to pay your attorney upfront. That’s due to the fact that the financial obligations that would be erased would need to include your legal representative’s costs. In Chapter 13 bankruptcy, you can exercise a payment strategy with your legal representative. Nevertheless, considering that Chapter 13 takes so much longer and needs more billable time from your lawyer, it’ll likely end up costing far more than filing for Chapter 7.

“First, I ‘d meetconsult with the lawyer and discuss the best ways to pay for it,” says financial expert and NerdWallet writer Liz Weston. “Maybe you do not wantwish to take another task because it could alter your earnings level. A much better method might be to stop paying specific costs and begin hoarding up that money for a couple of months.”

If bankruptcy seems your only choice, it is possible to obtain relief that way. However Weston states you can most likely anticipate to obtain more relief from other debts, such as medical costs and charge card, than from student loans.

“I believe that the mindset you desire to have is that this is a really, really hard thing to obtain. But that does not suggest that you can’t get relief in bankruptcy court from other financial obligations,” she states.

More from NerdWallet

3 methods to take on personal trainee loans

4 indications you’re all set to refinance federal student loans

Personal student loan forgiveness is a myth, however attempt these suggestions

Devon Delfino is a personnel writer at NerdWallet, an individual financing website. Email: ddelfino@nerdwallet.com. Twitter: @devondelfino.

China Fishery Group Files For Bankruptcy Defense In US

China Fishery Group Ltd. on Thursday submitteddeclared chapter 11 bankruptcy protection in New York.

The Singapore-listed business, a system of Hong Kong’s Pacific Andes International Holdings Ltd., filed for chapter 11 security in United States Bankruptcy Court in New York along with more than 15 affiliates. Pacific Andes likewise fileddeclared bankruptcy in New …

Tech Updates: Free Credit RatingCredit Rating App, Apple Camp & & Phones Banned At Concerts

Concertgoers are getting contrasting messages about the useusing cellular phone at programs, a new app offers you your credit scorecredit report free and Apple includes coding to its kids summertime camp.

Follow KTLA Tech Press reporter Rich DeMuro on Twitter or facebook for cool apps, tech tricks amp; tips!

Here are links to what I discussed in the Tech Report:

The brand-new WalletHub app provides you access to your free credit scorecredit report updated day-to-day – no strings attached. Download for iPhone. (Android users, a version for you ought to be available in the next month or twoor more)

Artists such as Alicia Keys are asking fans to put their phones into unique pouches that disable them during the program

Artists like Radiohead are motivating live streaming of their shows

Apples summer season camp for kids adds a coding session

Warren Resources: Assets Might Be Worth $250 Million To $300 Million

Warren Resources (NASDAQ: WRES) filedapplied for bankruptcy defense under Chapter 11 on June 2. This was not surprising as Warren had actually hired a Chief Restructuring Officer in early April. Warren formerly discussed that its first-lien lenders had made a restructuring proposal, however that the second-lien and unsecured lenders had actually not agreedconsented to it yet. This time the first-lien, second-lien and unsecured loan providers are all on board with the restructuring agreement, although I am unsure just how much (if at all) it varies from the earlier proposal.

As anticipated, the equity is most likely worthless as the restructuring strategy ponders the equity being cleaned out as part of the restructuring. New equity will be released to the lenders, with 82.5% going to the first-lien debtholders and the continuing to be going to the second-lien and unsecureds.

Assessment Based On EBITDA

Ive went over bankruptcy evaluation techniques as part of another short article before. One method to determine Warrens possible value is to look at what equivalent companies are trading for, as bankruptcy courts prefer to use market data in their assessments. Some other upstream companies are trading at around 6x EV/EBITDA based on $60 to $65 oil now and approximately $3 to $3.25 natural gas. Using the upper end oil cost and natural gas cost would result in Warren Resources creating an approximated $102 million in profits based upon 2016 production guidance.

A&P Seeks Bankruptcy Extension

AP Seeks Bankruptcy Extension

The Great Atlantic Pacific Tea Co. has actually asked a judge to extend its bankruptcy through 2017

Relocate To Restrict Payday Lending Makes Lots Of Happy But Not All

The Customer Financial Defense Bureau (CFPB) made a strong move in proposing new guidelines that would assist prevent individuals who use short-term lending services from falling into so-called financial obligation traps. Typically exactly what happensoccurs with short-term financing services (often understoodreferred to as payday advance loan) is that customers obtain cash at high interest rates, when they are unable to pay the moneythe cash back by the due date they are buried in extra expenses and fees. Some rate of interest on these loans reach as high as 300 percent or more.

With the proposed new policies, payday lenders would need to do researchresearch in advance into whether their clients might fairly be anticipated to have the resources to pay off their loan at the end of the loan term. They should take into account living expenditures and other big monetary responsibilities.

Like any problem, this one has several sides. Short-term financing lobbyists say that they fill an important space in the lending market, for people with poor credit who discover themselves in an unexpected emergency situation. Theyve spent millions lobbying for their case. Yet, to others, the story shows that too lots ofa lot of are getting trapped in a relentless cycle with these loans. Customers start by thinking they are only going to get one loan and then end up taking out more money to pay back the first amount.

The proposed changes come simply after Google chose it will stop selling ad area to payday loan providers at the top of its search feed. CFPB has actually decided to take the Internet problem even further by taking legal action against a company that shows up in the routine search listings and functions as a lead-in for the same short-term financing business that are about to get eliminated of the ad search. The case is crucialis essential, since Web searches are a huge source of traffic for the short-term financing business.

Header Image: Dan Kitwood/ Personnel