VIDEO: Southampton scooter group steps up fight against cancer

THEY ditched their leather jackets and parkers and chose tutus in the fight against cancer.

A group of Southampton scooter enthusiasts have grown stronger and are encouraging the people of Hampshire to follow their example and help raise funds for Stand Up To Cancer.

Angie Ayres and her Mod friends – locally nicknamed the Southampton Meerkats, know all too well the devastation cancer can cause.

Two years ago, Vespa‘s rider Angie, 54, learned she had breast cancer.

At the time, she had just lost her beloved father George to the same illness and had returned from Cardiff to Southampton to care for her mother.

Angie underwent two cycles of surgery, the first to remove a lump, and then a second operation after surgeons found more cancer cells and removed her lymph nodes.

Angie said: “From the day I was diagnosed until theater it was all so fast, I didn’t have time to process it – I just got down to it.

“My first thought was ‘what’s the plan of action?’

“Some people go to the depths of despair but because of my father I got angry. I decided that cancer was not going to catch me.

Angie, who now works for Mencap in Portswood, says she was supported by her partner Phil, 52, whom she met at a scooter rally when she returned to Southampton.

In May 2015, Angie started chemotherapy and seven months later had her last radiation therapy session on Christmas Eve.

She said, “My whole life has changed because of cancer. That’s why my friends and I are showing our support for Stand Up To Cancer and don the crazy orange wigs and tutus.

“It’s a fun and easy way to get involved and help raise funds to save more lives. ”

Stand Up To Cancer is a joint Cancer Research UK and Channel 4 fundraising campaign aimed at delivering pioneering new tests and treatments to cancer patients faster.

Jenny Makin, Cancer Research UK spokesperson for Hampshire, said: “We would like to thank Angie and the Southampton Meerkats for their colorful support and getting into the spirit of Stand Up To Cancer.

“We are asking men, women and children across the county to wear orange, pay and eliminate cancer.

“By supporting, they will help raise funds and transform the lives of cancer patients and their families. ”

Since launching in the UK five years ago, Stand Up To Cancer has raised over £ 38million for more than 40 clinical trials and research projects.

Could Car Title Loans Ruin Your Finances?

One in five people aged 45 to 64 with an income of less than $50,000 used a vehicle for a short-term loan. And about a third of people age 65 and older have received car title loans.

“The reason almost everyone gets these loans is normally to pay an immediate expense,” like a gas or electric bill or a credit card bill that’s due, Speer says.

But the average person who borrows $1,000 from a title lending company usually ends up paying back about $3,000 to $4,000, he says.

So while the car title loan might help pay the original bill, “now your condition is much worse,” Speer says. “Overall it’s going to end up being an even bigger crisis and your situation is going to be much worse.”

Repeat messages left with the American Association of Responsible Auto Lenders, an industry trade group, were not returned. However, Pat Crowley, spokesperson for the Ohio Consumer Lenders Association, which represents incumbent lenders in that state, says the loans are “very affordable” compared to alternatives. “We’re fully regulated. We’re very transparent about the fees we charge, and our fee structure is very clear,” Crowley says.

“We believe auto title loans are actually cheaper than other types of unsecured loans,” he says.

Here’s how car title loans work

When you get a title loan, it’s a short-term loan – usually just one month – that you secure with the title to your vehicle. Although the majority of title lenders require you to own your car, some do not. Either way, the lender puts a lien on your car. When you repay the loan, the lien is removed and you get your title back. Sounds pretty easy, right? Generally speaking, it is. Even retirees can get car title loans, as long as they have valid photo ID and proof of vehicle ownership. In many states there is not even a credit check.

The amount of the loan is based on the appraised value of the vehicle, and it is common for consumers to be able to borrow between 30 and 50% of the value of their car.

What are car title loans? – Chronicles of Times Square

Once you’ve decided to get a car title loan, it’s extremely important to know what you’re getting into, otherwise loan services can unduly benefit you. It’s an amazing opportunity to get some quick cash when you own a vehicle with a good free and clear title. However, you need to be sure that if something gets worse and you are unable to repay the loan, you will have to submit the car title to the money. In a nutshell, the car is used as collateral.

Many people find this method convenient. Getting a small loan with vehicle title can be very appropriate. When you are sure that you will be able to repay the amount borrowed and the interest amount, this may not be a problem. However, with some people it starts well but turns out to be a nightmare in the end. However, you can visit to get a better idea.

The process

Taking a car title to a title loan service requires that there is absolutely no outstanding debt against anyone. Many companies may also require you to be fully insured. It is a positive sign. Even if the lending service holds the title to the car, you will be able to use the car. However, some title lending services may lend you money and just keep the car with them until the loan is paid off if the car is uninsured.

The amount of money a borrower will receive will depend on which securities lending service you use. Some might give you more money than another. Some have set amounts of money they lend while many vary in their lending ability depending on the client they meet. In the case of variable services, the amount of cash you receive may depend on the value of your car. This opens the door to opportunities to get the best deal in the market.

Many services have set a limit on the number of times you can get a loan from their platform in cases where you have not repaid their money. These loans are handled the same way as normal payday loans, but the thing you’re risking here is your car title.

In scenarios where you do not meet the terms of the loan agreement, the title loan service has the absolute right to repossess your vehicle. It is very important for you to be positive about the transaction.

A car title loan can be a good thing in an emergency. If you are struggling financially and own a car, then loaning your car can be a good idea to meet your financial requirements. There are a multitude of services that can help you acquire good car title loans, but trusting them all can be a mistake. Go for quality services with additional features and facilities that are ready to understand what your needs and demands are and are ready to serve you in the best possible way.

Now Honda 2wheeler is planning a scooter-bike crossover; to unveil it at Auto Expo, Auto News, ET Auto

MUMBAI: Honda Motor combines the convenience of a scooter with the agility of a motorcycle to produce a crossover two-wheeler for the Indian market.

The idea came from the four-wheel market, where crossovers are very successful. Honda Motorcycle & Scooter India is developing the crossover locally and is expected to unveil it at Auto Expo next month and start offering it to buyers in April or May.

The project is internally called K74, people in the know. Honda did not reveal details of the project, but said in a press release that the vehicle would be aimed at “India’s young pioneer” and create a new segment in the Indian two-wheeler landscape. The product will be marked NAVI, he said.

K74 is the first project of the newly formed Indian R&D center, which manages its development from concept to production version, the sources said.

It will be powered by the 110cc engine which tows the Activa scooter and is likely to have a variomatic transmission.

The vehicle is not a moped or stepper vehicle as seen in Southeast Asia, so it will carve out a new segment for itself in the country, a source said. “This is version 2.0 of Bobby – an original two-wheeler, on which Bollywood actor Rishi Kapoor was first shown in the 1970s. The NAVI is a more modern avatar.”

The NAVI will be manufactured at the company‘s existing plant in Manesar, Haryana.

Honda Motorcycle & Scooter did not respond to an email requesting details of the new vehicle.

A short-term challenge for the company will be the largely untested behavior of consumers towards two-wheeled crossovers in India, said VG Ramakrishnan, managing director of Aventeum Advisors. There have been a few unsuccessful experiments in the past with designing a scooter built into a motorcycle engine, like the Bajaj M80 and Hero Street, he said.

The design of the vehicle will be very critical to the success of the vehicle. “You have to see what design philosophy these products adopt and consumer reactions to those designs,” Ramakrishnan said.

Since Indian group Hero Group and Honda split in India, the Japanese company has been on a dream run, with its market share doubling to 26%. While the company has dominated the scooter market by capturing more than half of the market, its presence in the motorcycle space has remained fairly modest at 14%.

With the exception of the Honda Unicorn and Shine, other attempts by Honda have increased the volumes but not the motorcycle market share by much. The company has been successful in winning over family buyers with its scooters and more mature buyers with the Unicorn and Shine, but it hasn’t been able to appeal to young people as much despite interventions like the Stunner and Twister.

The attempt with this crossover is part of a major change in strategy to appeal to young people. In a big marketing stunt, the Honda Revfest, it unveiled or launched a range of bikes under the CBR family (150, 250, 650). He also launched a new 160cc motorcycle, the Hornet.

The crossover is one of 10 new models that will be presented at Auto Expo. The 10 include six Indian launches and four concepts.

While the company has been quiet about vehicle details, the marketing campaign for the NAVI began on January 1. In his press release, Honda said: “We are here to change the way India plays with two wheels … NAVI is about to excite the young pioneer from India and create a new segment. in the Indian two-wheeler landscape. “

The vehicle is designed in such a way that it opens up a significant opportunity to modify and accessorize it according to the tastes of the user, said a person familiar with the plan.

The company is talking about a limited volume of around 1 lakh per year to start. If the concept takes off, it is ready to ramp up production.

Lawmakers seek to end triple-digit interest on payday loans and car titles

By Charlene Crowell / NNPA Newswire

A group of Washington lawmakers are joining forces and influence to legislate a crackdown on predatory lending nationwide.

Seventeen U.S. House lawmakers and eight U.S. senators are backing companion bills that would cut the cost of payday loans and car titles from their typical 300% annual interest rate to no more than 36 % – the same rate protection that Congress first provided to military families in 2006.

Today, 90 million Americans living in 15 states and DC enjoy rate caps of 36% or less.

But in the other 35 states, residents remain vulnerable to triple-digit interest rates that average 400% nationwide on an average loan of just $350.

When consumers use their car titles as collateral for a larger and equally expensive loan, personal transportation loss occurs when borrowers can no longer afford the skyrocketing costs.

If enacted, the legislation is expected to have an immediate impact on payday and car title loans, but would ensure that all consumer financial services would end cycles of debt that trick and trap unsuspecting consumers into debt. long-term.

The bicameral effort is led in the US Senate by Senators Dick Durbin of Illinois and Jeff Merkley of Oregon.

Their leading counterparts in the House of Representatives are Matt Cartwright of Scranton, Pennsylvania and Steve Cohen of Memphis, Tennessee.

“Predatory lending disproportionately hurts people who are already in financial difficulty,” Rep. Cartwright noted, where in Pennsylvania these kinds of predatory, high-cost lending are already prohibited by state law. “This consumer-friendly legislation would relieve the exorbitant costs for many low-income consumers across the country.

Cartwright’s House colleague Rep. Cohen felt the same way. “Throughout my career, I have always worked to protect people from those who would take advantage of them through predatory lending practices that can wreak havoc in people’s lives and perpetuate a cycle of debt,” he said. -he declares. “Justice and morality dictate that reasonable caps on interest be adopted to protect borrowers from sneaky lenders.”

From the Deep South to the Pacific Rim, and west to the mid-Atlantic and Midwestern states, state payday interest rates range from 662% in Texas to 460% in California and 601 % in Virginia.

Similarly, in the Midwest, the states of Illinois, Missouri, Ohio, and Wisconsin have comparable high interest rates that all exceed 400%.

In Alabama and Mississippi, two of the poorest states in the nation by per capita income, payday interest rates are 521% and 456%, respectively.

“What we’ve seen across the country is that when voters are given the option to support a rate cap, large majorities consistently say ‘No’ to debt-trap loans,” said Yana Miles, Senior Legislative Advisor at the Center for Responsible Lending. “When it comes to state legislatures, reform efforts are often thwarted by industry.”

Already more than 40 national, state and local organizations have jointly written to their members of Congress in support of the legislation.

Signatories to the correspondence include civil rights organizations, trade unions, consumer rights advocates and research institutes.

Posters advertising short-term loans hang outside stores in Birmingham, Alabama, U.S., Tuesday, Feb. 10, 2015. In Alabama, the sixth-poorest state with one of the highest concentrations of lenders, advocates are trying to curb payday loans and land titles, a confrontation that clergy have presented as God versus greed. They’ve been blocked by an industry that’s morphing to evade regulation, flooding lawmakers with donations, holding hearings with lobbyists and even fighting a joint database meant to enforce a $500 limit on loans. Photographer: Gary Tramontina/Bloomberg