Writing job – Optimal J http://optimalj.com/ Mon, 20 Sep 2021 03:48:28 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://optimalj.com/wp-content/uploads/2021/06/icon-2021-06-24T001514.613-150x150.png Writing job – Optimal J http://optimalj.com/ 32 32 Cheap loans – Explore your options with Cashlady https://optimalj.com/cheap-loans-explore-your-options-with-cashlady/ Mon, 20 Sep 2021 02:24:19 +0000 https://optimalj.com/?p=777 What are cheap loans? There are many different types of loans. The term “cheap” usually refers to a low APR or interest rate. In reality, loans are never “cheap”. The price you pay depends on your credit history, the level of risk involved for the lender and the type of collateral for the loan. Cheap […]]]>

What are cheap loans?

There are many different types of loans. The term “cheap” usually refers to a low APR or interest rate. In reality, loans are never “cheap”. The price you pay depends on your credit history, the level of risk involved for the lender and the type of collateral for the loan.

Cheap loans are a usually a type of loan where the interest rate is low or competitively priced and where any loan fees you pay are low or are free (for example, default fees, arrangement fees, early repayment fees, and so on). People often need access to small loans which are rarely cost effective if borrowed over longer period.

When interest rates and loan fees are either low or competitively priced, the amount of money you pay back to the loan company as a whole is lower than another loan with higher charges.

Generally, the shorter the period of time you borrow money over, the more expensive it is.

For these types of loans however, you are entitled to a number of different legal protections to make sure you do not pay too high an amount for your loan and that you are treated fairly.

Cheap Loans in the UK

UK Cheap loans are provided by companies registered with the Financial Conduct Authority (FCA).

What protections as a borrower do FCA-registered loan companies offer you as a consumer?

If you are not interested in a cheap long-term loan (13 months or more) and want help over a much shorter period with a payday loan (paid back when you get your next wage cheque) or a short-term loan (lasting between 2 and 12 months), these are your three guaranteed protections:

Many of these companies do not charge default fees or early repayment fees – that is when you pay off the loan in full quicker than you agree to.

Some lenders (and brokers) charge an arrangement fee – that is money which you pay to the lender or the broker for arranging the loan for you.

In most cases, the arrangement fee is taken from the sum of money you are borrowing.

For example, if you borrow £500 and there is an arrangement fee of £25, you will normally receive £475 into your account when the loan is transferred.

What type of loans offer a low interest rate?

The type of loans that offer low interest rates are secured loans and unsecured loans.

As we will cover later in this article, with a secured loan, you offer something to the lender that they can take away and sell if you are unable to make the repayments.

These loans offer low interest rates in comparison to loans you have not offered any security on (also known as unsecured loans) because the lender is less likely to get its money back if you cannot repay the loan.

Do I qualify for a low-cost loan?

Not everyone will qualify for a low-cost loan. There are a number of different factors that will decide whether you qualify for a low-cost loan.

To qualify for a low-cost loan with a smaller interest rate, what would a lender be looking for?

Some examples include:

  • A good credit rating
  • A stable employment situation
  • Living at the same address for 3 years or more
  • When your lender checks affordability, a good-sized gap between what you have left after all your bills have been paid and the size of the monthly repayments on your loan

If you meet all four of these, you are more likely to be offered a cheaper loan. The fewer criteria you meet, the less likely you are to get a “cheap” loan.

Having a poor credit rating doesn’t mean you can’t get a relatively cheaper loan. At cashlady we prioritize both APR and chances of being accepted for a loan so you still have a good chance of getting a loan at an affordable price. Some customers are able to minimize the interest and APR for their loans by taking a guarantor loan or a logbook loan. In both cases the lender has further collateral for lending to you and less risk is involved, hence the lower APR.

Cheap loans through a direct lender

Cheap loans through a direct lender are available online. You can find providers by doing a Google search.

To make your application direct (just as you would with a specialist broker like CashLady), you have to provide certain details, so they can consider whether they will set up the loan for you.

Those details are:

  • Your name
  • Your mobile telephone number
  • Your address and whether you have a mortgage or you are renting
  • How much you earn every month (each lender will have their own minimum limit of monthly income they will be happy to lend on)
  • The name of your employer
  • What your monthly outgoings are like (mortgage/rent, rates, gas, electricity, and so on).

Once you have provided your information, they will do a credit search before they make you an offer – more on credit searches later.

If everything is OK, they will then contact you to let you know how much they will lend you and what your monthly repayments are.

One word of caution here though – even if you have a great credit score, your chances of getting a loan will go down if the companies you are applying to for your loan see that you are making lots of other applications elsewhere.

When you go through a specialist broker like CashLady, only one credit search will be made which, in many cases, will increase your chance of getting the right loan for you from the right provider at the right price.

Is a cheap loan another name for a personal loan?

A cheap loan is not another name for a personal loan.

  • how much you are borrowing
  • how long you are borrowing for
  • the interest rate your loan provider charges you
  • any additional fees charged by your loan provider and, if you used one, a broker. (CashLady does not charge broker fees or fees of any kind to our customers, whether they take a loan out or not).

You will generally find the cheapest loans through banks and building societies, but they normally require you to borrow large sums of money over a longer period of time and for your credit rating to be really good.

If your credit rating is not really good or you do not have a credit rating, you will generally have to pay a higher rate of interest on the loan you are given.

How much you pay depends on the loan company you apply to and how closely you match their “profile” of the type of customer they like working with.

Do I need a guarantor to apply for a cheap loan?

You do not need a guarantor to apply for a cheap loan.

What are ‘guarantor loans’? That is when someone vouches for you that they will pay back your loan if you are not able to.

For example, if you become unemployed or you develop a long-term illness and you tell your loan provider that you are not able to make the monthly repayments, they will then ask the person who vouched for you to pay your loan off instead.

In the UK today, out of every 1,000 loans made, only a tiny proportion of those loans are guarantor loans.

In most cases, it is possible for you to get a “yes” to a cheap loan without having to ask a guarantor to make your payments if you are not able to.

Are inexpensive loans secured?

the image depicts a car which can be used as security for your loan

Inexpensive loans secured are loans offered where you offer the lender something they can take from you if you fail to keep up repayments on your loan.

When they take the security from you, they will sell it and then subtract the amount they sold your security for from the money that is outstanding on your loan.

Security can be your home (like with a mortgage), your car (like with a log-book loan), or valuables (if you use a pawnbroker).

The reason that inexpensive secured loans are cheaper than unsecured loans is that your lender has that extra bit of comfort that they can try to make their money back by selling what you have secured on the loan.

Can short-term finance be cheap?

Short-term finance can be cheap when compared to other types of credit, for example an unauthorised bank overdraft.

In February 2017 and as reported in the Financial Times, the consumer group, reported that NatWest customers who had an unarranged overdraft of £100 for 30 days paid £180 in charges compared with the £24 they’d pay with a cheap payday loan or a cheap short-term loan.

Payday loan providers and short-term loan providers are not allowed by law to charge more than £24 interest on a £100 loan for 30 days.

In other words, high street banks are charging up to 8 times in interest what payday loan companies and short-term loan companies charge for having access the same amount of money for 30 days.

It is not just NatWest. The Financial Times reported that Lloyds, Santander, and TSB charged as much as £160 on an unauthorised overdraft of £100 over 30 days.

a cartoon-like image shows a bank, purse, coin, piggy bank and objects things related to finance

Compared with Britain’s high street banks, it is hard to argue that payday loans and short-term loans don’t offer much better value to the British consumer than an unauthorised bank overdraft.

However, payday loans and short-term loans often come with a higher rate of interest than some forms of credit, like authorised bank overdrafts, credit cards, and longer-term loans from banks and building societies.

Depending on your circumstances, there may be more competitive options for cheap loans if you have a strong credit rating.

Does my credit history affect the cost of a loan?

Your credit history does affect the cost of a loan.

Your credit history is something that all lenders will want to see before they advance you any money. Your credit history is captured in a credit report.

In the UK, there are three main providers of credit reports – Experian, Equifax, and CallCredit.

What these three companies do is record whether you make payments on time to various different types of companies. It is not just your loan and credit card repayments that they record.

They also record your payment history with utility companies (gas, electricity, and water), mobile phone providers, Sky, cable companies, and more.

Every time you make a payment on time, you get a tick. Every time you miss a payment, you get a cross.

Your credit report also looks at how much you have in your bank account and how much you owe in loans and on credit cards. It combines everything together and produces something called a ‘credit score’.

the image shows a personal credit report

Each of the three companies produces their own version of a credit score on you.

When you apply for a cheap payday loan, cheap short-term loan, or cheap long-term loan, a loan company will look at all the information you provided them on your application together with your credit score.

The higher your credit score, the more likely you will get a cheaper loan.

If you have had problems in the past, your credit score will be lower and you will probably end up being offered a loan with a slightly higher interest rate.

However, the thing to remember is that every payday loan provider and every short-term loan company you apply to will charge you much less in interest and fees than a bank would on an unauthorised £100 overdraft.

Remember that they have a maximum amount they can charge by law, unlike the high street banks.

Can I get a cheap loan with bad credit or no credit?

a couple is frustrated about their financial situation

A cheap loan with bad credit or no credit is going to be more difficult to find if you approach a high street bank or building society.

However, if you have a poor credit profile, payday loans and short-term loans companies are more likely to provide you with access to finance.

Why is that?

Short-term loan companies are set up to provide people with finance over a shorter period of time than banks and building societies.

They are much more open-minded to working with people with bad credit or no credit than traditional financial institutions.

The better credit record you have, the more likely you are to get a cheap loan.

If your credit record is less than perfect, many short-term loan providers and payday companies will consider you for a loan and if they accept, they will charge you a higher interest rate so it will not be as cheap a loan as if you had a perfect or great credit record.

If your credit score is very low or you have no credit record yet, you may not be eligible for a short-term loan or a payday loan at all meaning there will be no chance of getting a cheap loan through these types of FCA-regulated companies.

What are some alternatives to low interest finance?

an infographic explaining some alternative options which customers can consider instead of applying for credit

There are many alternatives to low interest finance.

Your friends and family.

If you are in a tight spot, is there anyone you know that could help you out?

If so, that is great. Just make sure that when you borrow the money, you let your friend or family member know when they can expect repayment as money is still one of the reasons that people fall out almost more than any other reason.

Tighten the purse strings this month to get over this hump

Before you apply for a cheap payday loan or a cheap short-term loan, are there any savings you can make straight away to get you through to payday?

Ask your boss for a raise

Living is expensive and there is no harm in asking your manager if you can be paid more because of your commitment to your employer and the work you put in for them.

Failing a pay rise, why not ask your boss for an interest-free advance to be paid back in full on the next wage run?

Are cheap loans better than high cost credit?

Cheap loans are better than high cost credit because they will end up costing you less in fees and charges.

However, for many people, it is becoming more and more difficult to get cheap loans through a bank or building society.

One of the reasons why this is the case is that banks and building societies have been forced to restrict who they can lend money to after the financial crisis of 2008.

Like banks and building societies, payday loan providers and short-term loan providers must do a credit check on anyone who applies for a loan and they must also do a check to see if the repayments are affordable for a borrower.

However, short term loan companies and payday loan companies have been set up to help and to work with people with less-than-perfect credit histories with lower household incomes.

The reason that payday loans and short-term loans are not as cheap as with banks and building societies is that more people fail to pay the loan back.

That means that they have to charge a slightly higher interest rate to cover for loans that aren’t paid off and, at the same time, be able to make loans to everyone else they approve


CashLady works with a panel of 15 FCA-registered payday loan companies and short-term loan companies on a daily basis which offer between £80 and £2,000 over periods of 1 month to 12 months.

Because we work so closely with our partners, we know the type of customers they want to work with so, by applying through CashLady we can guarantee that your loan request will only be put forward to the lenders who really want to work with you.

Best of all, our service is free and you will pay exactly the same back to your lender applying through CashLady as if you approached the lender direct.

If you are looking for a cheap loan and you have a good credit rating, you are more likely to get that cheap loan than if you have a poor credit rating or you do not have a credit rating yet.

If you want to apply for a short-term loan or a payday loan through CashLady, please click here.

Last Updated on 30th November 2020

Emergency Pay Day Loans are they Legit & Safe? https://optimalj.com/emergency-pay-day-loans-are-they-legit-safe/ Mon, 20 Sep 2021 02:05:22 +0000 https://optimalj.com/?p=768 We all get into trouble with our finances from time to time. If you ever found yourself in a similar financial position to what we described, then know that you’re not alone. With the current global economic slowdown and tight economic conditions in the United States, more people are finding it hard to get by […]]]>

We all get into trouble with our finances from time to time. If you ever found yourself in a similar financial position to what we described, then know that you’re not alone.

With the current global economic slowdown and tight economic conditions in the United States, more people are finding it hard to get by and maintain their financial position throughout the month. Statistics show that most Americans are walking the line when it comes to finances, with almost 60% of Americans saying that they live from paycheck-to-paycheck.

So, what do you do when your finances are in trouble, and you have more month left than money in your bank account? Payday loans offer you a practical solution to your financial problems. By taking out a payday loan, you get instant access to cash within 24-hours, and you can use the money to take care of your financial problems.

The lender doesn’t have any control over how you spend the money, and they don’t ask you what you want the money for when applying for the loan. Therefore, you can use the money any way you see fit. However, you’ll have to pay the loan back with your next paycheck and plan your budget to accommodate the loan expense.

Payday loans offer you a financial lifeline that you can use to get yourself out of money problems. These loans are available for numerous financial services firms, and in most cases, you apply for them online.

This review will take a look at once such lender: Zippyloan, read on for our full review.

Visit Zipplyloan

What Is Zippyloan?

When applying for a loan, the lender will check your credit score to evaluate your creditworthiness. If the lender rejects your loan application for whatever reason, it reduces your credit score. If you decide to apply with two or three other lenders, you’re likely to get the same result, sue to all of the sudden inquiries on your credit report.

However, Zippyloan saw this consumer problem as a gap in the market, and a way to help consumers get the loans they need. Zippyloan has a partner network of financial services providers ready to issue you the credit you need.

It’s important to note that Zippyloan is not a financial service provider itself. Instead, they act as an intermediary that puts you in contact with lenders that are willing to take the risk of loaning you money.

Zippyloan Application Process

To apply for a Zippyloan, you only need to fill out some basic information on their website. You fill out the amount you’re looking for and then submit your loan request.

Zippyloan processes your application and offers your loan application to interested lenders in its partner network. After sending your loan request, all you need to do is wait for a lender to contact you with a proposal for a loan offer.

The lender pays Zippyloan a commission for referring the business, and you pay off the lender, not Zippyloan, for the money you borrow. Think of Zippyloan is a marketplace where lenders come together to meet borrowers.

All Zippyloan does it present your loan option to these lenders in the marketplace to see if any of them have the risk appetite to loan you money. Zippyloans partner network includes dozens of verified lenders, and you can be sure that you’re dealing with reputable firms vetted by the Zippyloan team.

Loan Application

Unpacking Payday Loans

Payday loans are a practical and effective means of getting access to cash fast. If you’re dealing with an emergency, like the one we described earlier, then there’s no time to wait around for your next paycheck to clear, especially if that’s weeks away.

However, financial lenders know that you’re in a tight spot, and many of them will leverage your unfortunate position to make money off of your misfortune. Payday loans come with high-interest rates that keep revolving as long as the loan is outstanding.

Most people don’t read the fine print or terms and conditions of the loan when signing up with a payday lender. If they did take the time to review this information, they might think twice before submitting a loan application.

Research shows that 12-million Americans use payday loans at least once a year. For those that do take on this type of finance, research shows that taking a payday loan could land you in a downward spiral of debt that you can’t escape. For those Americans who take a payday loan, most of them end up taking another 10-payday loan accounts to cover their expenses while paying back the initial loan.

Borrowers are also unaware of the amount they need to repay. When you’re in a financial emergency, all you can think about is getting access to money. Most people would gladly sign their bank account away if they thought it would get them access to cash fast. Unfortunately, this seems to be the case with people that rely on payday loans every month.

Pay Day Loans

Read: Payday Loans Guide: Are Payday Loans Ever a Good Idea?

The Danger of Payday Loans

While payday loans are meant to tide you over during a financial emergency, many Americans don’t seem to utilize these loans for that purpose. Instead, most borrowers end up using the loan to cover ordinary monthly expenses, such as the rent and utility bills, and even groceries.

Unfortunately, living this type of financial lifestyle catches up to the borrower. After around a year of taking out revolving payday loans to cover expenses, you’ll find that the money you have to repay in interest payments is no longer sustainable for you to manage.

It’s at this stage that many Americans have no other option left, but to file for Chapter 7 or 13 bankruptcy.

When we look at the maths involved with payday loans, we find that borrowers end up repaying around $30 for every $100 they borrow from a payday lender. This figure doesn’t take into account the fees for borrowing the money either.

In most cases, payday loans require payment within 14-days or as soon as you get your paycheck. In some instances, Zippyloans can connect you with lenders that are willing to issue personal loans with repayment terms of up to 60-months. However, by in large, the majority of payday loans are short-term facilities that require payment in less than a month after the date of the issue.

Payday loans are typically for amounts under $1,000, but the Zippyloan site states that you could be eligible for loans up to as much as $15,000. Many Americans fail to read the terms and conditions of the loan contract, and they also don’t pay attention to the costs of loaning money.

The financial crisis in their lives takes over, and they think that they’ll worry about the fees later. However, if these lenders understood the actual costs involved with the loan, they would probably avoid it in the first place, and look for an alternative financing option.

For example, let’s say you take out a $500 payday loan with Zippyloan, and the fees of facilitating the loan come to $75. Using this model, you repay the lender $575 two weeks later when the loan is due.

In this case, you would be paying an annual percentage interest rate (APR) of 391%, which is far higher than any other loan facility available from financial lenders like banks.

There’s No Guarantee You’ll Get a Loan

Zippyloan has an extensive partner network of financial service providers willing to provide payday loans to the public. However, while most of these lenders will work with anyone that applies, there’s no guarantee that you’ll get a loan if you apply.

Lenders will still assess your credit risk, and if they feel you’re asking for too much money, or you can’t afford the loan, then they might reject your application. Always ensure that you’re loaning an amount that you can afford, and never borrow money if you’re unsure how you will afford to pay it back.

Your Credit Score and Payday Loans

When you apply for a loan with the Zippyloans partner network, the lender will check your credit score to assess your creditworthiness. The United States has three major credit bureaus, Equifax, Experian, and TransUnion. These three bureaus collect information every month from their networks of credit-reporting agents, such as banks and financial lenders.

The bureaus collate this data, assessing your performance in managing your credit in five critical areas. They use this information to create your credit score, on either the FICO or VantageScore system. FICO is the most commonly used credit scoring system, and most lenders will look at your FICO score.

Your credit score determines your creditworthiness, allowing lenders to assess if your risk profile suits a loan. If the lender thinks your credit score is too low, and there’s a chance you could default on your loan, then they will refuse you the facility.

However, if you have a fair to good credit score, then you’ll probably have no issues sourcing credit from payday lenders. Some payday lenders will also make loans to people with bad credit as well, so don’t think that because your credit score is low, that this automatically disqualifies you from payday loans.

If you have bad credit, the lender will likely increase the APR on offer with your credit facility.

APR Explained

The annual percentage rate describes the interest rate that the lender attaches to your loan facility. If you take out a mortgage, it’s common to get interest rates as low as 4.5%. However, if you want a credit card, the APR on the facility can be anything between 16 to 25%, depending on your credit score.

Lenders cover risk in loaning you money by increasing the APR. Lenders believe that by charging you a higher interest rate, you’ll pay off the account first, before your other creditors. The cost of loaning money eats into your monthly budget, and the high APR incentivizes you to pay down the debt as soon as possible.

However, in reality, consumers in financial distress don’t give a second thought to the APR in most circumstances. Instead, they focus on getting the cash and then worry about paying it off later. This haphazard financial practice winds up getting them deep into a revolving debt with the creditor, which often results in financial distress and bankruptcy of the affected consumer.

When applying for your credit facility with the Zippyloans partner network, makes sure you review the APR on offer from the lender and make sure you understand the cost of loaning the funds. If you know the details, you might think twice before taking a loan.

Read: APY vs APR: What Do They Mean & What’s The Difference?

How the Credit Bureaus Calculate Your Credit Score

The credit bureaus calculate your credit score using a basket of five weighted factors to determine your eligibility for the loan. The bureaus collect the following information from credit reporting agents each month to determine and adjust your credit score to your current financial position.

These five factors determining your credit score are the following;

  • Your payment history – Every time you make or miss a payment, the bank or lender reports your activity to the credit bureau. If you consistently pay your bills late, then it will adversely affect your credit score.
  • Your total outstanding credit – How much credit do you own, and what’s the oldest credit account you have?
  • Your credit mix – Do you have a diverse mix of credit? Mortgages, car loans, student loans, credit cards, the more you have, the better.
  • Your credit utilization ratio – Lenders don’t like to see you using more than 30% of the credit available to you. If your credit card has a $1,000 limit, it’s best to keep it under $300 outstanding to avoid the bureau penalizing your credit score.
  • Hard inquiries on your account – Every time you apply for a credit facility, the lender checks your credit report and credit score. The bureaus take this as a sign of you looking for multiple credit accounts and temporarily drop your credit score.

Therefore, if you try to apply for three payday loans with lenders, its likely to lower your score, and the lender may refuse your application.

Applying with Zippyloan

As mentioned, Zippyloan is not a financial lender; they only connect you with financial services providers in its partner network.

As a result, you’re not applying with a lender, but rather filling out a questionnaire that lenders use to qualify you for a loan. When you take out the loan, you’re not going to pay Zippyloan back the money you owe. Instead, you’re paying back the financial services provider that initiated the loan with you.

When applying for a loan on the Zippyloan site, the system will prompt you to complete a questionnaire that lenders use to qualify you for a loan.

The information you’ll need to disclose includes;

  • Your name.
  • Your date of birth.
  • Your Social Security number
  • Your driver’s license number.
  • Cellphone number.
  • The loan amount.
  • The details of your employer.
  • Other contact information.
  • The purpose of the loan.
  • Your bank account details.

After completing your questionnaire, Zippyloan sends the information to its partner network of lenders, and you should receive a response to your loan request within 24-hours. In some cases, you could receive an answer in minutes or hours.

If you receive approval for your loan, then the lender automatically deposits the requested funds into your bank account within 24-hours, giving you fast access to cash.

How it Works

Zippyloan Rates & Fees

Repayment terms on personal loans are generally either monthly or once every two weeks, depending either on your preferences or your lender’s terms.

While specific terms of personal loans will vary depending on your state, lender and your specific circumstances, below is a general range of common terms.

  • Loan amount: $300 – $15,000
  • Lending period: 6 – 72 months
  • Payment frequency: Once a month or twice a month
  • APR: Will vary based on your credit score, repayment history and other factors
  • Prepayment penalty: None

Example Fees

Amount Period APR Monthly Total Paid
$2,000 24 month 12% $94.15 $2,259.60
$2,000 24 month 24% $105.74 $2,537.76
$2,000 24 month 35.99% $118.09 $2,834.16

Zippyloans Aren’t Available in Every State

It’s important to note that certain states don’t allow you to use Zippyloans. If you live in Washington, D.C, Oregon, New York, or West Virginia, then state legislature prevents you from using Zippyloans to access a payday loan.

What Happens If You Don’t Repay Your Zippyloan?

Never loan money that you can’t afford to repay. If you default on a loan with a lender, then it’s going to affect your credit score adversely.

As mentioned, the credit bureaus receive reporting from credit agents every month. If a lender reports you as a late payer or defaulting on your account, then the bureau will lower your credit score, making it more challenging for you to secure credit lines in the future.

Your credit score plays a significant role in your life. With a bad credit score, you might struggle to find an apartment to lease, you’ll find it challenging to receive reasonable insurance rates, and you can forget about applying for a mortgage or car loan.

Alternative Finance Options

If taking out a payday loan sounds like an expensive option, then there are a few other alternatives you can use to get access to the cash you need.

If you have a good credit score, then consider applying for a second credit card to give you more room with managing your finances. While credit cards do have an APR that can be as high as 25%, it pales in comparison to the potential 391% APR on offer from payday lenders.

  • Avant also offers customers unsecured loans with APR of up to 35.99%. Avant also accepts lenders who have fair credit as well, but you might have to pay a higher APR. Avant also won’t charge you a penalty for paying off your loan account early.
  • OneMain Financial is another example of a lender that works with clients who have fair credit scores.

In Closing – Key Takeaways

Zippyloans is a solid platform connecting borrowers with lenders in the payday loan market. Zippyloan itself is not a lender, but it has a partner network of financial services providers willing to provide the public with payday loans.

Zippyloans acts as an intermediary and receives a commission for the lender for giving them your business. Financial lenders work with Zippyloan to improve the qualifying process. By working with Zippyloan, you don’t have numerous credit providers downloading your credit report, saving your credit score from a downgrade.

At the same time, lenders get to rely on the Zippyloan qualifying process to mitigate the risk in lending the consumer market money. So far, the system is working well, and many Americans utilize Zippyloan for sourcing a payday loan to meet their financial needs.

However, taking on payday loans is an expensive way to loan money. If you can afford to find loans from other avenues, we suggest you take them. Payday loans come with notoriously high APR and can end up trapping you in a vicious downward spiral of debt that eventually results in your filing for bankruptcy.

You must understand the terms and conditions of the loan before accepting the agreement. Ensure that you repay the loan as quickly as possible, and avoid taking on concurrent loans to cover your budget the following month. Those Americans that choose to pay a minimum balance on their loan might end up paying more than 390% in APR charges on outstanding balances.

Payday loans are there to help you out of a sticky financial situation. However, many Americans use these loans to cover general household expenses, and then wonder why they end up going bankrupt a year later. Be prudent with your financial decisions, and only use payday loans when they are necessary.

However, the Zippyloan site works well, and we think that’s it’s one of the best ways of applying for a payday loan on the internet. The process is fast and efficient., and you’ll get a provider to meet your needs in the majority of cases.

Visit Zippyloan



  • Fast way to Obtain Loan
  • Searches Multiple Lenders
  • Loan options for poor credit
  • Next Day Funding Available
  • Loans from $100


  • High APRs like other Lenders
  • No guarantee you’ll be matched with a lender
  • Info is sold to lenders
  • Not Available in All States


Kingston’s Director of Grants Management to step down to RUPCO – Daily Freeman https://optimalj.com/kingstons-director-of-grants-management-to-step-down-to-rupco-daily-freeman/ Sun, 19 Sep 2021 13:25:46 +0000 https://optimalj.com/kingstons-director-of-grants-management-to-step-down-to-rupco-daily-freeman/ KINGSTON, NY – The city’s first director of grant management will step down in October to take on the role of assistant vice president of community development for affordable housing agency RUPCO, according to a press release from the mayor’s office Steve Noble. Kristen Wilson has been an employee of the city since 2016 when […]]]>

KINGSTON, NY – The city’s first director of grant management will step down in October to take on the role of assistant vice president of community development for affordable housing agency RUPCO, according to a press release from the mayor’s office Steve Noble.

Kristen Wilson has been an employee of the city since 2016 when Noble first established the Office of Grant Management, the statement said. She will be replaced by the city’s current grant manager, Ruth Ann Devitt-Frank, the statement said.

“Over the past five years, Kristen has helped transform the way the city finances and manages municipal projects, with a focus on strategically exploiting grant opportunities rather than overburdening our local taxpayers,” Noble said in a statement. He added that he believes his greatest contribution has been to modernize the Kingston grant management process. Noble said Wilson “broke bureaucratic silos and instead built a coalition of project managers in city departments and with state agencies to get the job done,” while providing training and technical support. to enable the city to meet the needs of the public.

Since 2016, the city has obtained more than $ 44 million in grants, according to the statement. Projects that have been completed or advanced during Wilson’s tenure are the construction of Phase 1 of the Kingston Point Rail Trail and the Broadway Streetscape and Broadway Grand Intersection projects, which will soon be completed.

“It has been the honor of a lifetime to help the city chart a new course for a more just and equitable future,” Wilson said in a statement. “I am particularly proud of the progress we have made, in partnership with the Ulster County Transportation Council and New York State, to create an accessible transportation system, based on objective data, planning studies and local engineering and direct community engagement.

Wilson is currently paid $ 65,264 per year, while Devitt-Frank receives $ 54,932. Devitt-Frank will receive $ 65,264 per year after assuming the position of Director of Grant Management.

“Ruth Ann has worked tirelessly to expand our grant portfolio, expand our public awareness and advance a wide variety of municipal projects,” said Noble. “I have no doubts that she will be an excellent Director of Grant Management and look forward to working closely with her in the years to come as we continue on our way out of the pandemic.”

Since joining the city in 2019, Devitt-Frank has been primarily responsible for grant research, writing and communications, overseeing the full lifecycle of specific awards, and assisting heads of project of all departments to ensure compliance with funding requirements, the statement said. She also oversaw municipal projects such as improvements to the Dietz Stadium and Andretta Pool and developed the city’s public engagement site, www.engagekingston.com.

“I am honored that the mayor has the confidence to take charge of picking up where Kristen left off,” Devitt-Frank said in a statement. “Filling her shoes won’t be easy, but I’m thrilled to have the opportunity to pick up and move forward with the great job she has done for our city.

Being a Wikipedian might be a thankless job, but they say it’s addicting https://optimalj.com/being-a-wikipedian-might-be-a-thankless-job-but-they-say-its-addicting/ Sun, 19 Sep 2021 04:10:00 +0000 https://optimalj.com/being-a-wikipedian-might-be-a-thankless-job-but-they-say-its-addicting/ On a Holy Friday afternoon in 2008, Subrata Roy, a 38-year-old librarian at a college in Narsingdi, read something on Wikipedia in a local newspaper. An avid Bengali writer, Subrata recharged his internet modem that night and started visiting the Wikipedia website from that day on. After two weeks, he received an acceptance letter with […]]]>

On a Holy Friday afternoon in 2008, Subrata Roy, a 38-year-old librarian at a college in Narsingdi, read something on Wikipedia in a local newspaper.

An avid Bengali writer, Subrata recharged his internet modem that night and started visiting the Wikipedia website from that day on. After two weeks, he received an acceptance letter with a contributor’s link attached.

It has been 13 years since the first mail arrived. Subrata is now the record holder as the editor for most articles on Wikipedia Bangla. To date, he has published a total of 5,116 articles.

How can someone be so persistent in doing something like this on purpose without any compensation?

“It can be free, voluntary, even thankless work. But the amount of knowledge I’ve gained, the number of people I’ve met and the number of platforms I’ve been on – I don’t think this can be bought for any amount of money. . Only passionate hearts will understand this quest, ”was Subrata’s answer to the question.

To cross-check this statement, another Wikipedian was contacted. Masum Al Hasan Rocky, an INGO officer in Cox’s Bazar, works as treasurer of the Wikimedia Foundation. He has been writing for Wikipedia in Bengali for 8 years.

For him, writing articles for the platform is almost addicting. “Here at Cox’s Bazar I have so much to do. But on the weekends I work for our Wikimedia Foundation or I write articles for Wikipedia in Bengali. Otherwise I can’t find peace of mind.” , Rocky pointed out.

Subrata, Rocky and many other Wikipedians have one thing in common: each of them agrees that knowledge should be free and that everyone has the right to learn something in their own language.

And with this goal, more than 340,000 people are currently registered (from Bangladesh, India and other countries) on Wikipedia in Bengali. But only about 1,300 of them are currently active.

However, that number changes from time to time, said Shabab Mustafa, former chairman and current member of Wikimedia Bangladesh’s executive committee. In addition, the Wikipedians of Bangladesh also contribute to Wikipedia in English, Wikipedia Santali and Wikipedia Bishnupriya Manipuri.

He said: “Wikipedia’s vision is to have a better world with knowledge accessible to all. Jimmy Wales, the founders of Wikipedia, inspired us to “Imagine a world in which everyone on the planet has free access to the sum of all human knowledge. This is what we do.”

Bangladeshi Wikipedians

Beginning in 2004, Wikipedia in Bangla passed the milestone of publishing 100,000 articles on December 25, 2020. As of September 9, 2021, the total number exceeded 1,12,459 articles with 1,317 active publishers.

In 2018, Wikipedia Santali began his journey with the Sandalwoods of Bangladesh, India and Nepal. Of the 50 Santali Wikipedians currently contributing, 10 are from Bangladesh. And to date, there are nearly 6,500 articles published on Wikipedia Santali.

Wikipedia in Bangla, Wiki Boi (books), Wiki Vromon (Travel), Wiki Songkolon (Editing) – these are the Wikipedia projects in Bangla that are operational on the go.

The Wikipedians Bangla and Santali are scattered all over the country, while some can be found in West Bengal and other countries. Although Wikipedians work on a voluntary basis, the Wikimedia Foundation works as a management team to make this work smooth for them.

Website development and maintenance, server management, main web development, etc. are the tasks that staff perform. More so, encouraging new Wikipedians, organizing monthly meetings and conferences are also some of the main tasks the foundation works on.

Currently, 500 employees work in the foundation. Most of them work remotely from all over the world. One of the former Wikipedians of Bangladesh, Nahid Sultan is currently working there as an employee.

These passionate Wikipedians mentioned another benefit they get: self-improvement. For Shahab, the most noticeable improvement is the development of formal writing skills. Since collaboration with others is required in Wikipedia, engaging in this type of work helps develop teamwork skills.

He mentioned another important improvement that they often see, especially among young Wikipedians, “Critical thinking and attention to detail are essential in finding the correct information and filtering out all the misinformation.”

This list goes on. But more importantly, it helps to develop the attitude of helping others and giving something back to society which gives a chance to be better human beings.

Each month, the Wikipedians of Bangla organize an “adda” or a meeting where they share their stories and their passion for the platform. This is how fellow Wikipedians are connected as a large community.

Anyone can write and edit on Wikipedia

As Shabab explains, Wikipedia works on the basis of peer review. When someone writes something on Wikipedia, it is published immediately without any additional steps. Later, other active Wikipedians examine it by checking if the conditions are met.

Wikipedians perform a wide variety of tasks, from correcting typos and removing vandalism to resolving disputes and perfecting content. Many Wikipedians are working on the same article. This is what makes the success of the Wikipedia project.

For writing articles, Wikipedia has some written guidelines. The “Notability Guidelines” determine whether the article’s subject matter is remarkable enough to be featured in an encyclopedia. The “verification guidelines” ensure that references are verifiable. The “Neutrality Guidelines” indicate how the language of any article should be written with a neutral point of view and avoid the personal opinions or prejudices of anyone.

There are also guidelines stating that Wikipedia is not a place to publish original research. This means that all information added to articles should be attributable to reliable and published sources.

When Wikipedians collect information, there are some basic things to consider, Shahab pointed out. The information must first be published in a reliable and credible source. For example, as a source of information, information published by the WHO or the CDC on Covid-19 will be considered reliable sources, unlike someone’s social media posts.

The limits of Bangladeshi Wikipedians

There is still no Wikipedia office in Bangladesh.

After the Holey Artisan tragedy in 2016, the fund also became inconsistent. And for rural and small town contributors, electricity and the Internet are big concerns. Many of them have to browse the Internet using modems.

For Manik Soren, Wikipédien Santali from Bangladesh, the challenges are somewhat worrying. Unlike Nepal or India, Santali is not an officially recognized language in Bangladesh. As a result, there is a debate regarding their writing or alphabet. Again, as a marginalized (and economically neglected) community, it is difficult for Santal volunteers to continue writing for long without any remuneration.

“But we still want to enrich this platform. A language, no matter how small, deserves to be spoken. All we need is a little support, for example, a device and better and cheaper internet connection. So that volunteer work does not become an obstacle for us “, Manik almost apologized by saying this.

Over the past 20 years, the vision of making knowledge accessible to all has motivated thousands of publishers to contribute to Wikipedia and its sister projects in more than three hundred languages ​​around the world.

Money can’t always buy the sense of accomplishment that Wikipedia brings to its contributors working for a greater cause. Although they don’t work for financial gain, a little help is needed. Otherwise, this passion can falter under the pressures of life.

Wikipedia information

Subrata Roy

  • A librarian at a college in Narsingdi

  • Work for 13 years on Wikipedia

  • Record holder for most articles (5,116)

Masum Al Hasan Rocky

  • An INGO officer at Cox’s Bazar

  • Work for 8 years in Bengali Wikipedia

  • Wikimedia Bangladesh Treasurer

Shabab Mustafa

Manik Soren

  • Wikipedia Santali from Bangladesh

  • “It is difficult for the Santal volunteers to continue to write for a long time without any remuneration.”

  • Bangla Wikipedia started in 2004

  • Over 340,000 people are in Bangladesh Wikipedia

  • About 1,300 of them currently active

  • As of September 9, 2021, the total number of publications exceeded 1,12,459

  • Wikipedia Bangla, Wiki Boi (books), Wiki Vromon (Travel), Wiki Songkolon (Editing) are the projects of Wikipedia in the Bangla language

English teacher: You will get used to automatic writing and you will like it! https://optimalj.com/english-teacher-you-will-get-used-to-automatic-writing-and-you-will-like-it/ Fri, 17 Sep 2021 22:01:47 +0000 https://optimalj.com/english-teacher-you-will-get-used-to-automatic-writing-and-you-will-like-it/ English teacher Yohei Igarashi, author of The connected condition: romance and the dream of communication (2019), argues that writing can be primarily automated because most are predictable: Cases of automated journalism (sports news and financial reporting, for example) are on the rise, while explanations of the benefits of insurance companies and marketing copy also rely […]]]>

English teacher Yohei Igarashi, author of The connected condition: romance and the dream of communication (2019), argues that writing can be primarily automated because most are predictable:

Cases of automated journalism (sports news and financial reporting, for example) are on the rise, while explanations of the benefits of insurance companies and marketing copy also rely on automatic writing technology. We can imagine a near future where machines would play an even more important role in very conventional writings, but also a more creative role in imaginative genres (novels, poems, plays), even the computer code itself.

Yohei Igarashi, “The cliché responds” to Infinite time (September 9, 2021)

Yohei Igarashi

Currently, the ability of humans to guess whether it is typewriting, he says, is only a little better than chance.

How does automatic writing work? The best-known model, GPT-3, was trained to write by parsing 500 billion words, absorbing both their usual meaning and where they appear in grammatical structures (syntax).

One of the results of such a process is predictive text. Our emails or cell phones can save us time suggesting words or phrases because they appear so often in ordinary language that they are likely to be correct. For example, “Your costume will be ready at 5:00 PM” is more likely to be followed by “Thank you” (a choice available) than “Keep it.” I decided to stop wearing costumes ”(a choice that must be made).

There are limitations on typewriting. By eliminating the Internet instead of books, the machines absorb a lot of rant and gossip that probably wouldn’t interest any publisher. But more than that:

… Such models have no real knowledge of the world, which is why a language model, in possession of a lot of information on the probabilities of sequences of words, can write illogical sentences. This might suggest that if you are a man due to appear in court, but your costume is dirty, you should go in a bathing suit instead. Or, although he knows that cheese in French is cheese, he doesn’t know that cheeses usually don’t melt in the refrigerator. This type of knowledge, on which language models are tested, is called “common sense physics”. It sounds oxymoronic, but is appropriate considering that the inner workings of these deep learning-based models, while basic, also seem quite mysterious.

Yohei Igarashi, “The cliché responds” to Infinite time (September 9, 2021)

Igarashi goes on to say that the basic concept isn’t even new. George Orwell (1903-1950) complained about automatic language in a famous essay, “Politics and the English Language” (1946), long before computers were widely used. Orwell meant, of course, propaganda and cliché.

He asks, “What would Orwell think of computer-generated texts, which paste words precisely because they have been so ordered by others and repeated over and over again?” “

In fact, Orwell touched on this same subject in 1984. Julia, one of the main characters, has the task of supervising the machine which produces novels: “… she worked, as he had guessed, on the typewriters of the novels of the Fiction department. She loved her job, which consisted mainly of running and maintaining a powerful but delicate electric motor… ”You can be pretty sure that nothing in these novels would give anyone new ideas.

More boldly, citing researcher Walter J. Ong (1912-2003), Igarashi argues that for most of history most human languages ​​have been stereotyped and tainted with clichés. Before writing and printing technology, he says, “knowledge was stored and disseminated through such oral formulas. Imagine if we were to navigate the world without the benefit of writing, using only informational mnemonics such as “Thirty days in September, / April, June and November…” ”

The advent of the printing press, and therefore widespread literacy, enabled our ancestors to store information offsite, so to speak, and to become more individually creative. Ong saw the romantic movement of the 19e-th century, which valued unique self-expression, as a natural result. In fact, Igarashi thinks, our modern desire for unique self-expression is a legacy of the romantics. Uniqueness would have been much less prized in the past.

Igahashi is optimistic about the future of unique creativity in the age of automatic writing, concluding,

These ancient writing technologies – from handwriting to printing – freed the human mind from the burden of storing information so that we could be more creative. Likewise, today’s text-based technologies, which can generate useful writing, need not kill the idea of ​​human originality as much as reinvigorate it – a new romanticism. The one who can appropriate, manipulate, play with, mock, even reject what typewriting ends up being. And if human writers seem to have the final say, a bigger and better language model will inevitably come along and consume all of this new writing. Then the writers will innovate again, and so on.

Yohei Igarashi, “The cliché responds” to Infinite time (September 9, 2021)

Its basic point is that transparent automatic writing is the result of most of what we actually write is highly predictable. So our expressed thoughts may be easier to automate than we think. In other words, if a lot of people have already said it, the crawler will find it.

Those who want innovation and personal creativity must themselves be innovators and creators. Uniqueness is the only thing the machine cannot predict.

You can also read: Will a computer ever be able to write your article for you? GPT-3 recently posted a paragraph that one pop psychologist said sounded like him. The problem was, for every tinkered paragraph that made sense, there was one that didn’t. And GPT-3 can’t help but pick up bad ideas.

Colson Whitehead’s New Novel & The Secret To Raising A Resilient Child: The Week In Commented Articles https://optimalj.com/colson-whiteheads-new-novel-the-secret-to-raising-a-resilient-child-the-week-in-commented-articles/ Fri, 17 Sep 2021 09:30:04 +0000 https://optimalj.com/colson-whiteheads-new-novel-the-secret-to-raising-a-resilient-child-the-week-in-commented-articles/ This weekend, listen to a collection of narrated articles from The New York Times, read aloud by the journalists who wrote them. “Harlem Shuffle,” which Doubleday published on Tuesday, is Colson Whitehead’s 10th book and his first detective novel. Perhaps the most surprising thing is that it took him so long to write one. Throughout […]]]>

This weekend, listen to a collection of narrated articles from The New York Times, read aloud by the journalists who wrote them.

“Harlem Shuffle,” which Doubleday published on Tuesday, is Colson Whitehead’s 10th book and his first detective novel. Perhaps the most surprising thing is that it took him so long to write one.

Throughout his career, Whitehead has shown a protean ability to move into new genres, writing a speculative mystery about an elevator inspector (“The Intuitionist”), a postmodernist satire on a nomenclature consultant (“Apex Hides the Hurt “), an autobiographical coming-of-age story (” Sag Harbor “) and a post-apocalyptic zombie tale (” Zone One “), among others. He followed these novels with “The Underground Railroad,” about a young slave woman escaping from a plantation in Georgia, who injected a slightly steampunk sci-fi aesthetic into a painstakingly researched historical narrative.

Its motley style doesn’t come so much from an effort to show off its range but from a short attention span. “It keeps me from getting bored, that’s the main thing,” he said. “Like, why can’t I just do a zombie novel?” No reason, do it. So, with that, can I make a junkyard novel? Yes of course. Why not?”

Antipsychotic drugs – which have been criticized for decades as a “chemical straitjacket” – are dangerous for older people with dementia, nearly doubling their risk of death from heart problems, infections, falls and other ailments. But understaffed nursing homes have often used sedatives so they don’t have to hire more staff to care for residents.

The risks to patients treated with antipsychotics are so high that nursing homes must report to the government how many of their residents are taking these potent drugs. But there is an important caveat: The government does not publicly disclose the use of antipsychotics given to residents with schizophrenia or two other conditions.

A New York Times investigation revealed a pattern of questionable diagnoses nationwide. The result: Government and industry are masking the true rate of antipsychotic drug use among vulnerable residents.

Written by Myriam Jordan and Jennifer steinhauer | Reported by Miriam Jordan

All over the United States, Americans from all political backgrounds are showing up to welcome the Afghans who aided the American war effort in one of the largest mass mobilizations of volunteers since the end of the Vietnam War.

In rural Minnesota, an agriculture specialist worked on visa applications and provided temporary housing for newcomers, and she set up a halal meat processing zone on her farm. In California, a group of veterans sent a welcome committee to the Sacramento airport to greet each arriving family. In Arkansas, volunteers sign up to shop for groceries, make airport transfers, and welcome families to their homes.

In a country polarized on issues ranging from abortion to the coronavirus pandemic, Afghan refugees have given way to many Americans, especially those who have worked for US forces and NGOs, or who have otherwise helped the United States liberate Afghanistan from the Taliban.

Written and narrated by Erik Vance

The concept of resilience is the ability to overcome a challenge, risk or obstacle, and come out on the other side with some success. It is a psychological principle that combines optimism, flexibility, problem solving and motivation. It is the job that you got out of sheer determination.

“It’s about the ability to bounce back even when times are tough. But that implies it’s all about survival, ”said Dr. Kenneth Ginsburg, pediatrician and author of“ Building Resilience in Children and Teens, ”a book from the American Academy of Pediatrics. “Resilient people not only bounce back, but also thrive at the best of times.”

Never has resilience – whether physical, mental, emotional or financial – been more important to our society. Fortunately, most experts say resilience is something that can be encouraged, nurtured, and developed in children from an early age. You just need to build a secure base, find challenges, and watch the children flourish.

Written and narrated by Lindsay Zoladz

As Lindsey Buckingham prepares to release her self-titled album, her first solo project in a decade, her edges – namely her serious reputation – appear to have smoothed out a bit after a series of changing prospect events: a triple bypass of emergency and then the pandemic, of course, but also the death in July 2020 of the founder of Fleetwood Mac Peter Green, and the recent separation of Buckingham from Kristen Messner, his wife of 21 years and the mother of his three children.

Then there was the business, three years ago, when he was kicked out of Fleetwood Mac, a beloved band known as much for their timeless songwriting as their intragroup pyrotechnics and struggles of power, then pursued his former group mates.

The new album, “Lindsey Buckingham”, is a mix of sunny California power-pop and partly cloudy ballads, and is perhaps the simplest release of her solo career. “I started out thinking I wanted to do a pop album,” Buckingham said. Although he noted that his musical reference points go back to “Rumors”, the topic is “family and long-term relationships”. Although he wrote and recorded the album in 2018, long before Messner filed for divorce, he now thinks some of the more stormy songs were “a bit premonitory”.

The Times narrated articles are written by Parin Behrooz, Claudine Ebeid, Carson Leigh Brown, Anna Diamond, Aaron Esposito, Elena Hecht, Elisheba Ittoop, Emma Kehlbeck, Marion Lozano, Anna Martin, Tracy Mumford, Tanya Perez, Margaret Willison, Kate Winslett and John Woo. Special thanks to Sam Dolnick, Ryan Wegner, Julia Simon and Desiree Ibekwe.

Misogynist attacks, accusations of “interference” by Sawant, as carpenters’ union goes on strike https://optimalj.com/misogynist-attacks-accusations-of-interference-by-sawant-as-carpenters-union-goes-on-strike/ Thu, 16 Sep 2021 22:53:57 +0000 https://optimalj.com/misogynist-attacks-accusations-of-interference-by-sawant-as-carpenters-union-goes-on-strike/ Evelyn Shapiro, Head of the Pacific Northwest Regional Carpenters Council By Erica C. Barnett [Content note: Misogynistic slurs] As Northwest Carpenters Union members began an indefinite strike on construction sites in the Puget Sound area on Thursday, union leaders raised questions about potential interference in contract negotiations – and the strike itself – by city […]]]>
Evelyn Shapiro, Head of the Pacific Northwest Regional Carpenters Council

By Erica C. Barnett

[Content note: Misogynistic slurs]

As Northwest Carpenters Union members began an indefinite strike on construction sites in the Puget Sound area on Thursday, union leaders raised questions about potential interference in contract negotiations – and the strike itself – by city ​​council member Kshama Sawant and her political organization, Socialist Alternative.

Sawant and SA, they accused, encouraged people to vote against the union’s proposed contract with Associated General Contractors and subsequently encouraged wildcat strikes – pickets and walkouts that occur without permission. union, often at sites where project collective agreements prohibit workers from leaving work.

“We had at least one elected official who was a supporter of [wildcat strikes] and encouraging that, and we don’t appreciate that kind of input from politicians, ”union executive secretary-treasurer Evelyn Shapiro said on Thursday.

“We don’t need strangers to come and wave our members in a direction that is going to get them in trouble or put them in a bad position.” Unions have strict rules dictating how and where they can strike, Shapiro said; picketing at a site where the union has agreed not to strike because the union and the contractor have signed a project collective agreement, for example, can lead to internal lawsuits and accusations against union members.

Board member Teresa Mosqueda, who previously worked as a lobbyist for the Washington State Labor Council, told PubliCola: “Our job as elected officials is to support union members, period, not to not influence the way they vote or try to whip the votes in a certain direction. … We are here to show solidarity when they vote and to allow the wages and benefits that people negotiate to go even further.

“We had at least one elected official who was a supporter of [wildcat strikes] and encouraging that, and we don’t appreciate that kind of input from politicians. We don’t need strangers to come and wave our members in a direction that is going to get them in trouble or put them in a bad position.

Much of the agitation against the contract, and in favor of wildcat strikes, has come from a group of union members who are active on Facebook, including some self-identified Marxists who believe the contract is not doing enough. away to protect workers. wages, health care and pensions. Nicole Grant, executive secretary-treasurer of the King County Labor Council, said she “had never seen anything so serious in my career, where a small faction of Marxist extremists, with the support of an elected official, could not only wreak so much havoc within a union, but also undermine.

The contract, which union members rejected last week, called for a 20% increase over four years and an increase in parking reimbursement to $ 1.50 an hour, among other conditions. The main points of contention included the amount of the raise, the length of the contract, and reimbursement for parking, especially for carpenters who work in Bellevue and downtown Seattle, where people are “taxed to go.” work, ”Shapiro said.

Arthur Esparza, a union member (and Marxist) who runs a public Facebook group opposed to the contract, confirmed that Sawant’s office had sent “liaison officers” to support his group, but added: “They didn’t. no control over our gatherings and we are very independent. Socialist Alternative. Longtime Sawant employee Jonathan Rosenblum said his only involvement in the negotiations was a Labor Day “solidarity letter” denouncing the working conditions of carpenters and the “millionaires and billionaires” who profit from the work of union members. “I pledge to fight alongside you for a good union contract for all carpenters,” the letter said.

However, Sawant also promoted a rally organized by opponents of the contract the week before the final vote, calling the proposed terms of the contract “unsatisfactory” and “insulting.” And Rosenblum, an organizer of Socialist Alternative, also publicly opposed the contract on Twitter, calling the terms “ugly” and praising the carpenters union for rejecting it after four successive votes.

Rosenblum told PubliCola that Sawant, his staff, and Rosenblum personally had no role in organizing or rallying against the contract. “Now that the union members have voted democratically in favor of the strike, we will support them of course,” he added.

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Commentators on Esparza’s Facebook page Peter J. McGuire – named after the founder of the carpenters union – spent days debating whether to engage in wildcat strikes (for which Esparza received a request yesterday cessation and abstention of a union lawyer). At times the discussion escalated into misogynistic personal attacks on Shapiro – the head of a United Brotherhood of Carpenters regional council to head a United Brotherhood of Carpenters regional council in US history.

Men posted on Esparza’s page called Shapiro, a carpenter who went through the union’s apprenticeship program, a “dumb bitch trying to take credit for our work,” a “fucking asshole” and ‘other insults. One man posted that Shapiro had “agreed to blow up the first 100 carpenters to pick up Microsoft on Monday morning,” followed by, “If I regretted bj’s post, I would delete it. But I want Evelyn to see it. … J hope it tortures and haunts her.

Another, posted on the Pacific Northwest Regional Carpenters Council page, wrote: “FUCK YOU SHAPIRO YOU IGNORANT CUNT !!! WHAT IF YOU DO WHAT WE WANT OR GET AWAY FROM THE FUCK? “

Monty Anderson, executive secretary of the Seattle Construction and Building Trades Council, told PubliCola that “In 30 years, I never saw this kind of division and sexism until Facebook made room for a few on the fringes to be seen and heard. They don’t represent work, ”he added; “some just want to watch the world burn.”

One man posted that Shapiro had “agreed to blow up the first 100 carpenters to pick up Microsoft on Monday morning,” followed by, “If I regretted bj’s post, I would delete it. But I want Evelyn to see it. … J hope it tortures and haunts her.

But Grant, of the King County Labor Council, said she suffered similar treatment as a union leader. “I feel it strongly when I see a union member calling someone from his union, one of his union sisters, a jerk, especially when he’s a permanent member who serves the union in an elected leadership,” he said. Grant said. “It’s heartbreaking and scary – hate crime on construction sites is absolutely real and more common than you probably think. So when I see someone say to themselves “she’s a motherfucker, she’s a jerk”, I feel it myself because I’ve had some really similar experiences.

Esparza, who says he removes hate speech from the site as soon as he sees it, condemned the comments, saying there was no room for misogyny, racism, homophobia or transphobia in discussions on labor rights. (The written rules of the Peter J. McGuire Facebook group condemn harassment and assault.) And misogyny, ”Esparza said.

But Esparza said Shapiro herself bears at least some of the blame when people attack her personally, as she is the leader of a union that has not historically condemned misogyny and racism sufficiently. “These issues need to be addressed, but the reason we still deal with them, in my opinion, is because of poor leadership” from people like Shapiro and United Brotherhood of Carpenters General President Doug McCarron, who met then-President Donald Trump in 2017, he said. “When Donald Trump, who is a well-known sexist and misogynist, was elected, Douglas McCarron was impatient [to meet with him] and Evelyn never criticized that.

Esparza also accuses those who have focused on misogynistic online attacks of trying to “distract from the real grievances carpenters have with both management and contractors.”

Grant, of the Labor Council, said the misogyny and hate speech she saw during this contract negotiation was “totally unique” in her experience as a union leader and deserves to be exposed. “The foundation of our culture is kinship, mutual support, acceptance, kindness – you know, it’s like normal work culture. We’re always trying to improve on gender, sexism and racism, but having an active group, it affects people’s contracts and their paychecks, and their result is “fuck you, conn, long live the resistance” – this is not normal, and it is bad, and it must stop.

Theater department announces winner of new play Kernodle 2021 https://optimalj.com/theater-department-announces-winner-of-new-play-kernodle-2021/ Thu, 16 Sep 2021 05:06:51 +0000 https://optimalj.com/theater-department-announces-winner-of-new-play-kernodle-2021/ Courtesy of the University of Arkansas Playwright Gina Stevensen, winner of the 2021 Kernodle New Play Award for her play Book of Esther. The drama department at the U of A’s Fulbright College of Arts and Sciences has named playwright Gina Stevensen the recipient of the 2021 Kernodle New Play Award. The reading committee – […]]]>
Courtesy of the University of Arkansas

Playwright Gina Stevensen, winner of the 2021 Kernodle New Play Award for her play Book of Esther.

The drama department at the U of A’s Fulbright College of Arts and Sciences has named playwright Gina Stevensen the recipient of the 2021 Kernodle New Play Award.

The reading committee – made up of graduate students and faculty members from the Department of Theater – read over 150 new plays by playwrights across the country before settling on Stevensen’s play, Book of Esther.

The competition, named in honor of U of A faculty member George Kernodle, garnered a diverse and abundant number of submissions on all kinds of topics and styles, demonstrating the richness of dramatic form and variety of conversations playwrights want to have with audiences. .

“There is a voice urgency in Gina’s play and the discovery by a character from her own agency that ultimately caught the committee’s readers,” said John Walch, assistant professor of drama and director of the Kernodle Award. .

Book of Esther is a game of conscience, where the main character struggles to find his authentic voice through a poetry competition in his family and ultra-Orthodox Jewish community in Brooklyn.

“In this way, the play celebrates the transformative power that the very act of writing possesses, which is very much in the spirit of the Kernodle Award and a theme that particularly resonates with the emerging playwrights on the reading committee.” , said Walch.

Stevensen said she started creating the play shortly after traveling to Israel, which left her thinking about her identity as a Jewish woman.

“It was an undoubtedly complicated experience that got me thinking about the assumptions we all make about communities that are right next to ours but perceive as ‘other’,” Stevensen said. “If only we were talking to each other and we were all listening,… what could happen then?” “

Along with the Kernodle New Play Award comes a cash award, the opportunity to further develop the script as well as potential guest artist mentors to continue working with graduate students in the theater department.


Book of Esther is about a new generation of women pushing the boundaries within the confines of an ultra-Orthodox Jewish community in Brooklyn. Protagonist Esther grew up in a loving and religious family, but she is now 17 and can feel a bigger world outside of her own.

When Esther decides to enter a local poetry competition, she finds herself asking surprisingly broad questions and begins searching for answers everywhere: from her parents, to the hipster barista she secretly befriends, even her namesake. , the mythical queen Esther. Will her questioning take her too far to go home?

ABOUT THE Dramaturge

Gina Stevensen is a playwright, playwright and writing teacher. His game The colony won the 2019 Columbia @ Roundabout New Play reading series and will receive its production world premiere in August 2021 at the Good Luck Macbeth Theater Company in Reno, Nevada.

Stevensen’s plays have been developed in New York and the region with Roundabout Theater Company, American Stage, Urban Stages, Williamstown Theater Festival, Hartford Stage, The Tank and more.

She was a finalist for the Theatre503 International Dramaturgy Award, the Jewish Playwriting Contest, the Austin Film Festival Pitch Competition, the MFA Playwrights Workshop at the Kennedy Center and a semi-finalist for the Princess Grace Award, the O’Neill National Playwrights Conference, Bay Area Playwrights Festival. , Berkeley Rep’s Ground Floor and The Civilians’ R&D Group.

Stevensen was nominated in 2019 for The Mentor Project at Cherry Lane Theater and is an affiliate artist of the Hess Collective and a member of the board of directors of Middlebury Acting Company. She has been a guest lecturer at Hunter College and the New York University Open Arts Program, and teaches drama at the Tribeca Performing Arts Center and Writer’s Rock. Stevensen holds a master’s degree in dramatic writing from Columbia University.

About the theater department: The Department of Theater at the University of Arkansas has been providing exciting and affordable theater for over 60 years. The department combines top-notch theater education full of hands-on experience with a wide selection of titles to challenge students and the community. The department offers the Bachelor of Arts in Theater, a broad spectrum program within liberal arts education, and the Master of Fine Arts degree in three streams: performance with interpretation and directing options. ; Dramatic writing; and Design with costume design, stage design, and lighting design options. Courses at the undergraduate and graduate levels aim to provide a solid professional orientation in theatrical performance and technology, in conjunction with appropriate research-based courses to address the requisite basics in theater history, dramatic literature. and in dramatic criticism.

About the University of Arkansas: As Arkansas’ flagship institution, the U of A offers internationally competitive education in over 200 academic programs. Founded in 1871, the U of A contributes more than $ 2.2 billion to the Arkansas economy through the teaching of new knowledge and skills, entrepreneurship and job development, discovery through research and creative activity while providing training in professional disciplines. The Carnegie Foundation ranks the U of A among the top 3% of US colleges and universities with the highest level of research activity. American News and World Report ranks the U of A among the best public universities in the country. Find out how the U of A is working to build a better world on Arkansas Research News.

The Good Life: the success of a couple to write their return to nature https://optimalj.com/the-good-life-the-success-of-a-couple-to-write-their-return-to-nature/ Sun, 12 Sep 2021 01:30:00 +0000 https://optimalj.com/the-good-life-the-success-of-a-couple-to-write-their-return-to-nature/ A young New York couple walk into a run down cottage in County Clare’s deepest, darkest place. It’s 1985 and Ireland is a gray place inside and out. There is a blackbird living inside the old four-room farmhouse and a fire pit that opens to the sky. Out front, the short lawn between the lobby […]]]>

A young New York couple walk into a run down cottage in County Clare’s deepest, darkest place. It’s 1985 and Ireland is a gray place inside and out. There is a blackbird living inside the old four-room farmhouse and a fire pit that opens to the sky. Out front, the short lawn between the lobby gate and the narrow side road along Kiltumper Hill is a jungle of brambles, with a small garden gate lost somewhere inside.

Thirty-six eventful years later, the same small property outside of Ennis is a miniature Arcadia.

Carefully maintained flower beds run along the garden path. A lush vegetable patch and polytunnel lie at the back, beyond roses, Japanese anemones and delphiniums, and the air is filled with songs of birds and butterflies. The 200 year old chalet now beaming in the sun is a more substantial and polished prospect.

And there are books, not just on shelves inside but in the floor and masonry. Husband and wife Niall Williams and Christine Breen live here, and it is here that the latter’s grandfather lived until he immigrated to the United States as a teenager in 1910. As a writers, this environment has fueled the twenty or so books, plays and screenplays they co-wrote or wrote separately during their stay here. In turn, their success has been reinvested in this living space.

“Every word has come from this house and this garden,” says Niall. “And the reason the house is the way it is, with this room added, then this room added, is because a little money came from that book or that book. You can almost tell which book made which play.

Niall and Christine welcome me during one of the rare magical days in August. A lunch of house salads and local cheese is served as we sit by the flower beds filled with poppies, as a cheerful retriever called Finn storms through the lawn.

After co-authoring four memoirs retracing the early years of their West Coast adventure, the couple wrote At Kiltumper: a year in an Irish garden, an intimate and meditative garden dissertation from 2019 – a year that has seen many challenges. Breen was undergoing treatment for bowel cancer, while wind turbines were erected 500 m from their back door.

Flushing Everything, however, is a deep connection to the tiny patch of land, his haven of mindfulness and the little sense of control he could afford. Williams, a native of South Dublin and the couple’s dreamer, discusses the zen of gardening and reflects on ecological and health dilemmas. Between her vast floral knowledge and her pen and ink illustrations, New York native Breen is more practical, with a dry mind that can bring her husband back to earth.

“Chris is my first fiction reader,” says Niall, “and my first editor and my first everything. She knows me better than anyone. In this case, the book has evolved from our two perspectives. One could be one male point of view, the other a female perspective, on the same ground. ”

“He’s a typical male,” Christine says of their different approaches to the garden. “Niall is focused on one job, and that’s what we do today. “

“Or I am do today – it’s impossible to control yourself, ”Williams retorts.

“That’s what I wanted to get to! I could be about to do one thing and end up doing something else. But it was really good for me that Niall spent more time in the garden [that year], so he could see all the work I was doing.

“Different people approach gardening in different ways,” he continues, turning to his wife for 40 years. “You’re an artist, so you see the colors and the layout. There are eight “gardens” during the year. And in the way Chris makes them, they all have different palettes. So it can start like yellows, and then, at the beginning of May, this garden is full of poppies, all red, peonies, delphiniums, and little by little it becomes bluer.

“His competence is to make these transitions. I’m usually sitting inside at a table writing, and I see it gradually changing. I don’t have this ability to see past what’s to come. Chris has this.

Change and the finite nature of things are fundamental in such a framework. With their adult children both married and living in New York City, the couple – both now in their sixties – not only wrote to deepen their understanding of their long devotion to the land, they wanted their children and grandchildren have a
this devotion

A portion of “I can do” happened here with the couple all these years ago. Christine published her first well-received novel Her name is Rose in 2015 at the age of 60. She wrote non-fiction and sold works of art, not to mention raising two children and cultivating an exquisite garden and home.

Niall’s most recent novel was This is happiness, a softly sublime piece of nostalgia set in a fictional rural Ireland in the midst of the advent of electrification. It was among the Washington post‘s 50 Best Novels of 2019, and a constant favorite of book clubs in the United States, where he and Christine have fostered a dedicated following during their careers. Previous it was the Booker-longlisted Rain story.

A film adaptation from the early days of 1997 Four love letters is in pre-production with Mark Rylance as the star. After many false starts – Stanley Tucci and John Hurt each visited Kiltumper seeking to make the movie – this is the closest they’ve ever been. If all goes well, it could, Christine says, allow them to spend a good part of the winter in New York, where a grandchild is expected any day.

Growing up in Westchester as the oldest of six children, Breen spent her freshman year at Boston College overseas in Dublin, studying with Benedict Kiely, Eavan Boland and Mary Lavin. She returned to Boston and graduated from the School of Irish Studies, but always dreamed of returning to Ireland. Enrolling in an MA in Anglo-Irish Literature at UCD, a mutual friend introduced her with Williams in the UCD cafeteria.

“Chris was the most beautiful person I have ever met,” Niall said from across the table to a visibly charmed Breen. “Is still. I just got lucky to be at the same table as her. Then I found out that she lived with two trumpeters in a rented house across from my house near Lower Kilmacud Road.

“They were strange! ” she laughs.

With each studying the literature of the other’s homeland, the conversation flowed. After a year of teaching in Normandy, they got married in America and worked in New York. The two would end up in the publishing world – but Williams made their first foray into the Fox and Sutherland bookstore in Westchester where his customers included Frank Sinatra (“it was a real ‘welcome to America’ moment).

Romantic natures led to both bonding quickly and wholesale – and this trend would see them through some tough times ahead as well. But it was also what kept them from accepting the mad rush of Manhattan professional life, which left neither the time nor the free space to write or paint.

An emergency exit existed. When Breen was studying in Ireland, his mother’s first cousin, the former Kiltumper resident, died. After the funeral she learned the house was for sale and urged her father to secure it. It was empty, as she and Williams began to tire of New York life.

“When you’re on the commuter train,” says Niall, “you quickly realize that people’s lives are their jobs. You would see the most beautiful people about to make it to Manhattan. It was like Mad Men. On the train home in the evening, these same people looked broken and smeared. I felt like I was on a train and couldn’t get off.

“I would never know the answer to the question ‘could I write a book?’ – because I always had the excuse that I never had time.

“I don’t think we really thought we would stay forever,” Christine says of the big move. “We would just like to see if we can develop our skills. “

Their daughter Deirdre was born in 1987, and Joseph followed three years later. The roots have deepened and all idea of ​​going back has disappeared.

Deirdre attended the village school where Niall taught English and French, before going to NCAD to study fashion design. Joseph turned out to be a gifted child (“Niall will tell you Joseph is the smartest person he has ever met”), and after graduating from Glenstal, he studied law at Trinity and at London School. of Economics.

At one point, fed up with the weather, the couple pulled the two children out of school for a nine-month trip around the world – in order to make a year without winter, a bonding experience the four of us cherish to this day.

During a weekend visit to London in early 2015 to see Joseph, Christine started to feel bad. Joseph’s boyfriend (now her husband) was an oncologist and immediately sent her to the hospital. A few days later, a large tumor and 10 inches of colon were removed. The following months and years would be an upsetting routine of long drives to Galway Regional Hospital for waiting rooms, more tests, chemotherapy.

Their garden would never seem so important.

“She was dancing at a party in January,” said Niall, “then February, you were in the ER. Because you have that invisible sense, something went wrong in you, that makes it even harder. So, for Chris, her time in the garden always heals in the most obvious way. You can see a noticeable change in the way she is when she goes there. She’s lost out there, in the best possible way.

Breen’s recovery was successful, but it’s another example of how hardship can find you anywhere – something they would encourage anyone who dreams of country living to consider.

Their most recent challenge is the wind turbines behind the house – the construction of which creates tension in the book. Both wish to emphasize that they are content to record the reality experienced under the turbines, including the inevitable visual and auditory imposition.

“If I didn’t mention it, we could be accused of being idyllic in our outlook on our life here,” says Niall. “In a way, it makes the space inside the garden more valuable.”

“You get used to it more and more,” adds Christine. “Let’s see how the
winter is going away.

Growing a garden and writing a novel are more or less the same thing, the couple agree – both are attempts to create a world you can live in. And every day is a chance to fix something, or to crash something – to make it just a little bit better, regardless of what’s going on in the world.

“Before we moved,” says Niall, “we had this recurring theme of Chris saying, ‘Tell me how it’s gonna be. And I would make it up, having never been here. So really, we were getting into a story. I would say we’re gonna do that and it’ll be like that eventually …

“Some of these things may have taken 30 years to materialize, but they were all present in the original story.”

“And like a rough draft of any story,” Christine adds, “you keep rephrasing it.”

‘In Kiltumper: A Year in an Irish Garden’ is published by Bloomsbury, € 20.99

VIU Student Pulse News: September 1, 2021 | Vancouver Island University https://optimalj.com/viu-student-pulse-news-september-1-2021-vancouver-island-university/ Thu, 02 Sep 2021 07:27:43 +0000 https://optimalj.com/viu-student-pulse-news-september-1-2021-vancouver-island-university/ Next week is already the start of classes, so we wanted to start this issue of The Pulse by recognizing that it’s a big step we’re all about to take to get back to campus. As VIU counselor Caitlin Eliasson reminds us in her back to campus blog, change and uncertainty can elicit many different […]]]>

Next week is already the start of classes, so we wanted to start this issue of The Pulse by recognizing that it’s a big step we’re all about to take to get back to campus. As VIU counselor Caitlin Eliasson reminds us in her back to campus blog, change and uncertainty can elicit many different feelings at the same time. As we all navigate this shift together, remember to be patient and understanding with those around you – and with yourself. And remember you are not alone – there is many services here for you, and teachers and staff who are ready to help. Finally, stay tuned to ourFall Semester Frequently Asked Questions page, which we are updating as we get more details on the provincial health orders announced last week and the VIUs vaccine self-declaration program.

Learn more about the vaccine self-report program 🙋‍♀️

Last week, VIU announced a COVID-19 Vaccination Self-Declaration Program for all employees and students. We don’t have a specific timeline for rolling out the vaccine self-declaration program, but it will likely be in place before the end of September. As soon as we have more information on the timeline and implementation process, we will let our community know. In the meantime, we will follow all health and safety protocols that have been put in place by the provincial health office, including the new mandate mask. We will give people some time to adjust to the new system. Stay tuned to our Frequently Asked Questions for more details, which will be updated regularly.

Must know

Vaccination clinics on campus ??

To help people get vaccinated, we hosted the VaxVan at VIU’s Nanaimo Campus on September 7, at the Royal Bank Plaza outside Building 200 from 10 a.m. to 4 p.m. There will also be a vaccination clinic on the first floor of building 255 in the multipurpose room (170) from September 8 to 23, from 10 a.m. to 2 p.m. We are working on confirming clinics for our other campuses.

Looking for a job on campus this fall? ??

The fall and spring vacancies can now be found on CareerVIU. Go to the Students and Alumni section and sign in using your student enrollment number and PIN, then select Campus Employment for vacancies. All students who are enrolled in nine or more credits and have a valid Social Insurance Number are eligible for work positions. Follow the instructions in the post on how to apply. All workstations are part of the directory of co-school registration opportunities! Check Student employment on campus or the Co-Curricular Record web pages to find out what this means to you.

Student affairs extended hours ⌚

Student Affairs is pleased to offer extended hours and virtual hours this fall to meet the diverse needs of students. As of September 7, 2021, extended hours of service will be offered to students at the Nanaimo campus on Tuesdays and Wednesdays until 6:30 p.m. in: Financial Aid, Consulting, Accessibility Services and Student Health Clinic. See details here.


UIV orientation survey ??

Did you struggle to find your way around campus? Share your impressions and win a prize! VIU is developing a new complete and accessible orientation signaling system. To fill a little survey to let us know how we can improve your campus experience for a chance to win a $ 50 Campus Store gift card!

VIU Student Union Welcome Week Fair ??

Welcome back to campus! Stop by the VIUSU building (193) to discover our Welcome Week Fair on September 7, 8 and 9. We can’t wait to meet you in person, there are lots of freebies, vendors, clubs and prizes. Make sure to visit the VIUSU tent to get your free student agenda, it’s extra special this year and we can’t wait to show you why!

The guide to fall student life activities is now available ??

From outdoor adventures like waterfall hikes, surfing, trail running and whitewater kayaking, to indoor fitness classes, intramural, tournaments and other special events like paintball and water challenges. escape room, Mariners Athletics and Recreation a lots of activities to keep you moving. Following recent public health announcements, registration for the fall programs will begin September 13 at 9 a.m.

Graduate Programs Fair

Are you ready to take the next step in your post-secondary career? Don’t miss the very first online exhibition of VIU’s graduate programs on September 15. This event is for anyone planning to continue their education at the graduate level and will allow potential students to connect with faculty from all graduate programs offered by VIU. Register for the event.

Supports and services

VIUSU Book Exchange ??

The VIU Consignment Book Exchange seeks to sell your textbooks on your behalf. Each year, this service puts thousands of dollars back into the pockets of students! Bring your texts to the Student Union office (building 193 on the Nanaimo campus) during office hours, set your prices, and your books will be listed for up to one year.

Get answers to your university questions

Advisors are available to meet students via Zoom or in person:

  • Zoom deposit: Monday to Friday from 11 a.m. to 1 p.m., find us on Zoom.
  • In person without an appointment: Meet at building 200, third floor of the Nanimo campus, Monday to Friday, 8:30 a.m. to 3 p.m.

Get your VIU ID card

Your VIU ID card gives you 24/7 access to the Nanaimo Campus Library, services such as loans and printing, various campus spaces, and other benefits.Follow these step by step instructions.

Questions about off-campus housing? ??

Are you looking for a new home and don’t know where to start? Contact Michael, of the homestay and off-campus accommodation team at VIU, at iehousing@viu.ca for tips and advice, including how to avoid scams and the best places to search.

Nanaimo campus accessible map is now available

Our new campus map is now printed and available for collection at the Visitor Center! The map provides information on how steep the paths are and where people can travel without encountering any stairs. Several hundred hours were devoted to its creation and conception. Many thanks to Matt Jamont, Cliff Feng, Zach Lamoureux and Becky Thiessen for their hard work and creativity. CheckUniversal Access Website to find downloadable building-to-building without stairs, our interactive web map, and more.

Nanaimo Campus Library Services

The transition to a new academic year may be more difficult this year than in the past, but the Library is here to help. Be sure to check out the VIU library Getting Started Guide for important information on configuring your VIU identity card and other library services and updates. Your VIU ID card gives you 24/7 access to the Nanaimo Library, services such as loans and printing, various campus spaces, and other benefits. Questions? Contact us!

Buy your books and supplies at the Campus Store ??

The Campus Store has everything you need to get the most out of your VIU experience. This includes all of your back-to-school gear, textbooks, digital access codes for online materials, special clothing, tools, art supplies and more. Nanaimo store hours are Monday through Friday, 8:30 am to 4:30 pm Students can currently pick up their orders online at the Cowichan store Tuesday through Thursday, 9 am to 3:30 pm, and after August 30, the store will be open Monday to Friday, 9 a.m. to 3:30 p.m.

Food on campus ??

Hunger? We have more dining options on the Nanaimo campus starting September 7th!

  • The cafeteria’s opening hours are Monday to Friday from 7 a.m. to 7 p.m. and Saturday from 10 a.m. to 2 p.m.
  • Take-out food products remain available in the Campus Store from Monday to Friday, 8 a.m. to 4:30 p.m.
  • Starbucks will be open from September 7 from 7:30 a.m. to 1:30 p.m.

Thrive: VIU Wellness Program ??

Want to make this your best year? Connect with Prosper, the home of VIU for everything related to well-being! follow us on Facebook Where Instagram to stay up to date with all of our great fall programming!

Fall 2021 parking faq ??

Some changes have been made to VIU’s parking structure, including an adjustment of rates to pre-pandemic rates and some duration options. Please read the Fall 2021 parking faq to learn more.

Talk to me

Looking to connect on campus? The Talk to Me program is a campaign to create a more connected VIU culture. Visit our website for more information and follow us on Facebook for more details on all our upcoming events!

VIU Cowichan Learning Center

Are you a VIU Cowichan student looking for additional tutoring? You can find it through The learning center. Work individually, attend tutorials, meet a tutor, attend study skills workshops, and receive writing assistance. The Learning Center tutorials are also available Monday through Thursday, 12:15 p.m. to 1:15 p.m.

Cowichan Writing Center for University Students ✏

Writing isn’t easy, and a little advice never hurts. The Cowichan Writing Center is staffed by faculty who provide free one-on-one assistance to students in university programs. Get help writing research papers, formal essays, book reviews, resumes, and business letters. All appointments for the fall 2021 session will be online. Make an appointment online.

Volunteer Tutor Program

Volunteer tutors are selected, trained and ready to offer support to students who request additional help in their studies. This free one-on-one help is available for most courses. Tutor application forms can be found here. Hard copies of the program are also available at the Student Affairs reception.

Thrive in action ??

As the fall semester approaches, are you looking for motivation, energy, well-being and academic success? If so, we have the program for you! Join our innovative new program where you can learn better, feel better and do better. See all the details and register for our fall Zoom session here!

COVID-19 Updates

Mask Protocol FAQ ??

Do you have questions about the mask’s mandate introduced last week by the Office of Public Health for all indoor public spaces on campus, including lobbies, corridors, stairwells, elevators, classrooms? class and laboratories? We have answers. Check out our mask protocol and FAQ.