District Court, Southern District of New York, No. The case is Consumer Financial Protection Bureau et al v MoneyGram International Inc et al, U.S. "I am committed to stamping out misconduct by firms that break the law over and over again." "We will be looking to seek a broader set of remedies to halt repeated law-breaking and disregard for the rule of law," Chopra told reporters. It is the CFPB's fifth remittance-related case since 2019. The money transfer kiosks which MoneyGram operates with 7-Eleven Australia are staging kiosks, Hoffmann said. Thursday's lawsuit seeks unspecified refunds, restitution and civil damages. Secondly, MoneyGram operates what it calls 'staging kiosks,' in which the machine acts as a staging unit for both senders to set up money transfers and recipients to collect their funds but the money is actually handled by an agent. In afternoon trading, MoneyGram shares were down 49 cents, or 4.6%, at $10.16, after earlier falling to $9.76. MoneyGram agreed in February to be acquired by private equity firm Madison Dearborn Partners in a $1.8 billion transaction. "Ultimately, MoneyGram refused to be strong-armed into an unfair settlement." "The CFPB and its director entered into discussions with closed minds and unfortunately chose to make increasingly unjustifiable and unprecedented demands," the company said. In a statement, Dallas-based MoneyGram said it plans to defend against the "frivolous" lawsuit, and that its compliance program was effective and consumers suffered no harm. "MoneyGram's long pattern of misconduct must be halted." Account number Cash to pay in person at a MoneyGram agent location. "MoneyGram spent years failing its customers and failing to follow the law, ignoring customer complaints and government warnings in the process," CFPB Director Rohit Chopra said in a statement. MID Payment Kiosk (cash, debit or credit card). #Moneygram kiosc software#Problems persist despite a series of software and technology updates, with some transactions still getting "stuck" in MoneyGram's systems, the complaint said. MoneyGram was accused of having repeatedly "stranded" recipients waiting for their money, given senders inaccurate information about when transfers would be completed and failed to address customer complaints in accordance with the 2013 rule. Remittance transfers let people in the United States send money electronically to people in other countries, and exceed $100 billion annually. Consumer Financial Protection Bureau and New York Attorney General Letitia James. providers of remittance transfers, was filed in Manhattan federal court by the U.S. The complaint against MoneyGram, one of the largest U.S. So if you model a payment for 1,000 USD, the final amount you pay MoneyGram will be the 1,000 USD + any transfer fee.įinally, don’t forget that sending a payment through an agent location may attract different fees and exchange rates compared to the same transfer arranged online.NEW YORK/WASHINGTON (Reuters) -MoneyGram International Inc was sued on Thursday by two regulators that said it repeatedly and unfairly violated a federal rule designed to make it easier for people to send money to friends and family outside the United States. Your transfer fee is added to the amount you send. If you pay with a credit card it’s also important to check if your own card issuer will add fees - the payment may be treated as a cash advance which can incur extra costs and interest. MoneyGram’s kiosks can be found inside more than 2,200 CVS locations in the U.S. Key features include guest and repeat user experience, multiple languages, and minimal data entry for the customer. When it comes to the upfront transfer fee, usually paying with a bank transfer from a US checking account is cheaper than using a bank card or credit card. MoneyGram’s kiosks create a customer-first solution to provide a quick, intuitive and secure experience for consumers to stage their transactions. We’ll cover the exchange rate fees below. Find a kiosk at a participating MoneyGram agent to fill out your transaction details, including to whom you are sending, how much. It’s good to know that the costs of a payment with MoneyGram are in both the transfer fee and the exchange rate applied to your payment. The fee you’ll pay to send money online with MoneyGram will depend on where you’re sending to, the value of the transfer and how you’ll fund the payment.
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Lines should be about 40 to 60 pounds, with high-powered brake reels and enough yarn for about 500 to 1000 yards. In order to fish payaras in the strong currents of the rivers where they inhabit, a suitable fishing equipment is essential. Yet the vampire fish’ favorite food, are the fearsome piranhas , which fully swallow of a single bite. So they devour smaller fish found in their territory. Vampire fish usually eat all kinds of food, although they prefer a carnivorous diet. They usually swallow their entire prey, although sometimes they only bite their prey with their powerful tusks, tearing large pieces and then swallowing them. The vampire fish are characterized by being extremely aggressive, voracious, and very fast fish, which makes them true hunting machines. Presumably, it would be difficult to reproduce them in an aquarium and would require a very large tank. They move from lakes and river channels in the rising waters of large rivers, migrating long distances upriver for spawning and feeding. However, Payara are migratory fish which start reproducing with the beginning of the rainy season. The Vampire fish have never been bred in captivity for this reason not much is known about the courtship and spawning behaviors of Hydrolycus species. It’s recommended that only experienced fish owners try their luck with vampire. They’re moody and temperamental fish on a good day, but when you force to defend their territory, they become aggressive as well. They don’t like to be housed with other fish at all, and they’ll fight, threaten, charge and kill species that are put in the same aquarium. It’s assumed that they only come together for mating and migrating.Ĭaptive payaras take these antisocial tends up to 11. In terms of compatibility they may tolerate others payaras in small groups, but they’re mostly lonely creatures. They’ve been known to chase off medium- and large-sized fish that they don’t want to eat just so the water will be clear for the fish that they do want to consume. In the wild, vampire fish are ferocious hunters that are constantly looking for their next prey. This is a freshwater fish of tropical climates which i s found in the Amazon and Orinoco river basins, and Guyana Rivers. When bred in aquariums, vampires rarely exceed 12 inches and 5 – 10 pounds. The largest recorded came in at 40 pounds.Ĭaptivity is another story. They measure anywhere from 2 – 3 feet long, and their weight is around 10 – 35 pounds. In nature, vampire fish can become quite large. The vampire fish, thanks to their good eyesight, hide deep in the fast and murky waters by launching ambush attacks on their prey, which makes of them a deadly and perfect machine, and they do so with lethal and diabolical precision. In addition, these two species can naturally replace their teeth and their four-part jaws allow them to open the mouth very broadly in both cases. The attacking method and physical appearance is quite similar between the Payaras and the Goliath Tigers fish, since their heads are very similar. The lower jaw is longer than the upper jaw, and both are armed with pointed sharp teeth from those used to crush their victims. However, the payara fish’ (as they are known in Spanish) most striking trait is undoubtedly its spectacular mouth, considered a powerful machine to tear their prey apart. Their fins are short but have strong muscles which allow them to swim very quickly if their prey undertakes the escape. The physical appearance of this fish is powerful as it has a robust and laterally compressed body. But what if you value your privacy and like to keep your online accounts to a minimum? And what if you are a Linux user and prefer to use open source software. There are a lot of cloud based note taking options, like Microsoft OneNote, Google Keep and the very popular Evernote. We also love it to store our notes in the cloud so we can use them wherever we are, whenever we want to, with whatever device that is in our reach. Give it a try.Most of us take notes and we love to do that digitally. It is free, it is secure and it respects your privacy. It doesn’t provide all the functionalities of the big guns but it is good enough to be useful for multiple use cases. #Laverna dropbox codeTags: You can create or attach tags by using hashtags.Ī great overview of Markdown example code can be found here:Īs said before Laverna is a great simple alternative for applications like Evernote, Microsoft OneNote and Google Keep for Linux that keeps your notes private. Headers: You can create headers by using hashtags followed by a space. Tasks: You can create tasks by typing brackets Here some examples of Markdown to use in Laverna: The main focus of Markdown is readability. Text in this markup language is easy to create with a simple text editor. The Markdown language is often used for creating messages in online forums and creating blog posts via a CMS like WordPress. Markdown is a lightweight markup language based on plain text that is designed to be easily converted to HTML and other formats. Laverna offers some standard options to edit your notes via the user interface.Īs already said Laverna can be used with the Markdown language. Laverna is a relatively simple application. Now you are in the settings tab of the app you just created.ġ0) Start Laverna in your browser or as the local app and go to Settings / Sync.ġ2) Copy the App key from your Dropbox app to the Dropbox API key text field in Laverna and click Save.Īfter you signed in to Dropbox, Laverna should sync to your Dropbox account. For example Laverna_YourName.ħ) Agree to the terms and conditions and click on Create app. To setup the synchronization functionality in Laverna for Dropbox you need to create a Dropbox app to create an app key.ġ) Go to and login with your Dropbox account.Ħ) Name your app. #Laverna dropbox zip filezip file has been downloaded go to your Downloads folder.ĥ) Double click the laverna-x.x.xx-linux-圆4.zip file.ħ) Select the location where you want to extract the Laverna zip file.Ĩ) Create the folder where you want to extract the Laverna zip file.ġ0) When the extraction has been completed click on Show the Files. Just click on Start using now.Ĥ) After the. In that case no installation process is required. Note: You can also use Laverna via the browser. #Laverna dropbox installOK, so now you probably want to install Laverna and try it out yourself. When you delete notes they will be moved to the trash can, so you have the option to recover them later if required. The editor can be switched between a preview mode and a normal mode, where you can really focus on writing notes. Laverna has a simple and robust markdown editor, which can help you write faster with a live markdown preview. Laverna offers export and import functionalities. You can organize them via Notebooks, Tags and Favorites. But Laverna offers all the basic functionalities to be a very useful note taking app. In order not to disappoint you later, I can immediately say that Laverna does not offer all the options compared to what is offered by an application like Evernote. This is save, because only you have access to them. When you use the browser based application the application stores all your notes in your browser databases. To be able to use Laverna there is no dedicated Laverna account necessary, like it is required with OneNote, Keep and Evernote. Your data will be synchronized via Dropbox or your RemoteStorage account. Laverna can be used as a browser based web app or as a locally installed app. Laverna is a JavaScript based note taking application with Markdown editing and encryption functionalities. Laverna is a great simple Evernote alternative for Linux that keeps your notes private. Most of us take notes and we love to do that digitally. The Impossible Project I-1 is for serious pros, blending analog printing with digital perfecting, giving you total control over the image. In a world where just about every gadget out there has a way to connect to your phone, of course there’s an instant-print camera that can do so too. This will allow you to be more selective with your focus, so you can play with depth of field, making the Sofort best suited for more experienced photographers who are comfortable shooting manually.įilm Type: Fujifilm Instax Mini Twin Pack Impossible Project I-1 #INSTANT CAMERA RETRO MANUAL#With this instant-print camera, you’ll have more control to change exposure settings-but what really sets this one apart is its manual focus system. In the photography world, Leica has a reputation for making high-quality cameras that take clear and beautiful images so it’s no surprise that its instant-print camera, the Leica Sofort, has taken instant photography to the next level. You can also print your photos with filters and vignettes without altering the image saved to the memory card.įilm Type: Fujifilm Instax Square Instant Film Leica Sofort Not only does this square-photo printing camera come with a screen (so you can see exactly what you’re shooting) it will save any image you take onto an SD card and you can control which image to print, which is what really makes it the best instant camera for perfectionists. If you like your Fujifilm instant-print camera, but also want a digital copy, the Fujifilm Instax Square Hybrid is the answer. While it is comparable in usability and image quality to the Polaroid Snap as it also uses ZINK photo paper and you can save your photos by taking advantage of the Micro SD slot, its ultra-thin size makes it very easy to keep on hand during your travels.įilm Type: Kodak 2×3 Inch ZINK Photo Paper Fujifilm Instax Square Hybrid Additionally, it requires two AA batteries.įilm Type: Polaroid 2×3 Inch ZINK Photo Paper Kodak Printomaticįor the casual photographer, the Kodak Printomatic is a fine starter instant-print camera, and isn’t as expensive as some of the others. This camera is very easy for novice photographers however, its settings are limited and you are unable to turn off flash. The cute bubble-like design, pastel color choices, and endless accessory options make this a great instant-print camera gift for kids. The Fujifilm Instax Mini 9 is one of the most popular instant cameras and the one you’ve most likely seen before. #INSTANT CAMERA RETRO PROFESSIONAL#Here are the best instant-print cameras perfect for every kind of traveler, from the professional photographer to the point-and-shoot amateur. Now that instant-print cameras have been back for a while, there are a lot of choices on the market, but they’re not one-size-fits-all. As a photographer, I’ve been traveling with an instant camera for a long time and have found that the instant prints also make great gifts for new friends I meet on my travels. Instead, they offer an immediate physical keepsake. With instant-print cameras, there are no hashtags and no uploading involved. Instant-print cameras are making a comeback, and for travelers, they offer a new-old way to capture precious travel memories. And if the user wishes, everything can be switched over to Auto mode.Īnother key difference between the SF70 and its Polaroid predecessor is the fact that while the SX-70 utilized Polaroid film, the SF70 uses the more widely available Fujifilm Intax Square film.Īdditionally, whereas the SX-70 was a single-lens reflex camera – meaning that users composed shots by looking right through the lens – the SF70 is a rangefinder, in which users look through a peephole to one side of the lens.It’s official. Like the SX-70, it also offers manual focus control. #INSTANT CAMERA RETRO FULL#Unlike that classic, however, the SF70 features full manual control of shutter speed and aperture, plus it has a built-in flash. That's where the InstantKon SF70 Instant Camera is designed to come in.Ĭreated by Hong Kong startup MiNT, the SF70 is inspired by the 70s-era Polaroid SX-70 foldable instant camera. Although many photographers like experimenting with old instant film cameras, the things typically lack the manual controls that are integral to serious photography. In the world’s oceans, entanglement and starvation from filling their bellies with food-lookalike plastic kills an estimated 100,000 marine mammals annually. Tiny microplastics have been found deep in the ocean, in Arctic snow and Antarctic ice, in shellfish, table salt, drinking water and beer, according to, as well as floating in the air and falling in rain - basically everywhere. The rest of it is still loose in our world - and its effect is enough to make your hair stand on end. Of the more than eight billion tons of plastic created since 1950, only nine percent was recycled. Plastics don’t decompose or “go away.” They just fracture into smaller and smaller smithereens - small enough to slip through the blood-brain barrier in humans and other mammals, with effects that still are not understood. #HERALD JOURNAL SERIES#Nature at Risk is a series published by Brodhead Watershed Association. Humans overfishing to meet the demand for caviar and causing habitat loss, often by dams, are the main culprits.įind out what is being done! Check out the World Wide Fund for Nature “Sturgeon Strategy” at Sturgeons are among the most endangered group of species on Earth. As a result, many fish populations have declined.” In some cases, fewer than one-half of one-percent of historic fish populations remain. Other rivers - and their fish - have not been so lucky.Īccording to the National Oceanic and Atmospheric Administration, “in the United States, more than 2 million dams and other barriers block fish from migrating upstream. The proposed Tocks Island Dam was never built, thanks to unstinting and unrelenting work by local people and organizations led by Nancy Shukaitis. The Atlantic sturgeon was spared one human-caused negative impact: a dam proposed for the Delaware River. Fifteen or more years later, they return to their home river when they are old enough to reproduce. After living and growing in the freshwater river where they were born, juveniles head downstream to the sea. One of many subspecies of sturgeons, the Atlantic sturgeon is large, up to 6 feet long and 150 pounds, and long-lived, up to 50 years or more. Because bony plates cover its body, the Atlantic sturgeon is safe from most predators, but not from human actions. Over-harvesting and other human impacts have shrunk the Delaware’s adult spawning population to fewer than 300. More than 3 million pounds of sturgeon were taken from the River over just five years in the 1890s. The enormous abundance of the native Atlantic sturgeon (Acipenser oxyrhynchus) is arguably one of the reasons human encampments along the Delaware River go back thousands of years.įast-forward to the 1800s, when the Delaware was known as the “caviar capital of North America.” An estimated 180,000 Atlantic sturgeon females spawned in the Delaware. The flesh and eggs of this huge, ancient, bony fish were likely staple food for the indigenous Lenni Lenape in our area. Sturgeons have existed for 200 million years. |
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