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Santander's Polish arm weighing Swiss franc loan settlements

WARSAW, April 28 (Reuters) – Santander’s Polish business is considering settlement deals with customers over Swiss franc teacher mortgages, a long-standing headache for Polish banks, its Chief Executive Michal Gajewski said on Wednesday.

Polish banks face lawsuits from Swiss franc mortgage holders who have seen costs rise after a surge in the value of the currency.

The chance of resolving cases through out-of-court settlements remains uncertain, with many banks waiting for a Polish Supreme Court sitting on May 11 before they decide whether to sign up to a settlement plan proposed by financial regulator KNF.

“We are very seriously considering this,” Gajewski told a news conference referring to the KNF settlement proposal, adding the bank was finishing consultations with its clients and had not taken a final decision.

“It looks that most of our clients are inclined to agree on the settlements, so I am not a total pessimist. This of course does not mean that it will not hurt,” Gajewski added.

The CEO also said a ruling by the European Union’s Court of Justice on the issue expected on April 29 may not be unambiguous.

“We will see what the court says tomorrow. There is still a big uncertainty over the direction,” Gajewski said.

Thousands of Polish borrowers took out franc loans more than a decade ago to take advantage of low Swiss interest rates but then faced ballooning repayments when the zloty weakened sharply against the Swiss currency.

(Reporting by Agnieszka Barteczko and Anna Koper. Editing by Mark Potter)

When it comes to Internet casino gambling online, people just could not get enough of it.

What once started as a regular card game has evolved into an Internet sensation. Because technology has played a huge role in the lives of man, it is not impossible that web developers and game creators start to consider putting this card game into the virtual arena.

One of the heavy favorite casino games is Blackjack.

The game is very easy to understand that is why most people love playing and learning this game whether it be online or land-based. If you want to play this game online, all you have to do is find an authentic casino site. Afterwards, create an account. Just make sure that you follow the guidelines stated on the website to avoid any problems.

To start with, you have to bet once you are in the game. A winner is declared once their cards are better than the dealer's, which should reach or be nearest to the value of 21.

Video poker is yet another popular game played through Internet casino gambling online.

Expect that this game is a combination of the traditional video poker as well as slots. However, this is an automated system and you can play this whether offline or online. The game begins by having five cards at hand. A player has that opportunity to win the game by making sure he has the best five-card hands.

Another favorite casino game is slots.

Nevertheless, people who want to play this should understand the mechanics of the different machines. It is also important to know that you can play this game in five or three reels. You also have to insert the needed coins in the slot machines. The only time you know that you've won is when you hit the right combination of lines or patterns allowed by the machine.

Lastly, who could forget about the roulette?

This is a very popular Internet casino gambling online game that people cannot seem to get enough of. The roulette wheel has around 37-38 pockets. It is just right to keep in mind that there are actually two types of wheels if you are playing it online – the European and American wheels.

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June 18, 2021   Uncategorized   4 Comments

6 Point Checklist For Elevating Employees Productivity

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June 18, 2021   Uncategorized   1 Comment

Ibitoye signs two-year contract with Agen after leaving Harlequins

England winger Gabriel Ibitoye is set to move to France after a compensation fee was agreed with Harlequins. 

The 22-year-old, who has been a regular ‘apprentice’ under Eddie Jones, has signed a two-year contract with Agen, meaning he will no longer be eligible for international selection.

Quins offered Ibitoye a cut price deal in light of the financial squeeze caused by COVID-19 and salary cap tightening, but could not agree new terms.

Gabriel Ibitoye is set to move to Agen after a compensation fee was agreed with Harlequins

Gabriel Ibitoye is set to move to Agen after a compensation fee was agreed with Harlequins

Gabriel Ibitoye is set to move to Agen after a compensation fee was agreed with Harlequins

Ibitoye was subsequently free to leave, but Quins wanted a development fee having brought the youngster through their academy.

Meanwhile, Premiership clubs will begrudgingly agree to the emergency ‘Eight Nations’ plan for the autumn on the proviso it never is played again.

As Sportsmail revealed on Tuesday, England are to play Wales, Ireland and Fiji in one half of a Test tournament to replace the usual autumn internationals in November and December.

It will mean the clubs will be without their Test stars for three weeks at the start of next season.

While Premiership clubs will accept it as a one-year solution they are still determined to fight against World Rugby’s ‘global season’ proposals which will be discussed at a meeting on Thursday.

‘The clubs are clear that the tournament is for this season only as a response to COVID,’ Chris Booy, the Bristol Bears chairman exclusively told Sportsmail.

‘World Rugby has passed this amendment (extending the Test window) which we would have preferred them not to, but we’ve got to accept these are difficult circumstances.

England are set to be one of eight nations in a new autumn international tournament

England are set to be one of eight nations in a new autumn international tournament

England are set to be one of eight nations in a new autumn international tournament

‘We’re trying to get a pint into a quart pot so we’re trying to work with the unions to get to sensible compromises.’ 

World Rugby want to combine current July and November international windows so they can run a regular home-and-away autumn Test competition, to be replaced by the World Cup every four years.

The French and togel online English clubs vehemently oppose that plan, which would see their seasons played across the summer, and Sportsmail has learned the Premiership clubs will soon conclude a financial impact survey similar to one the French have already conducted showing the effect this move would have.

‘My personal view is the existing calendar is the best calendar,’ added Booy.

‘I think it’ll be very hard for the players to play that sort of tournament each year – it is like two World Cups every autumn.

‘You’d play the best three teams in the world home and away, back-to-back.’

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June 17, 2021   Uncategorized   3 Comments

La AMA abre camino a evitar las sanciones por meldonio

Ése fue el principio en torno al que giraba la conversación sobre esos cinco países”. — Sobre las federaciones de Etiopía, Marruecos, Ucrania y Bielorrusia, que están en “cuidados intensivos” y deben mejorar seriamente sus programas antidopaje.

“Es importante que comprendamos que hay problemas y cómo podemos trabajar juntos con la federación para arreglarlos.

La droga, fabricada en Letonia, usualmente es recetada para pacientes de enfermedades cardíacas y ha sido utilizada como suplemento por atletas principalmente de países de Europa oriental.

La droga mejora el flujo sanguíneo, lo que aumenta la oxigenación muscular.

Y después está el asunto del meldonio, un fármaco que mejora el rendimiento y del que Coe no sabía nada hasta que la destacada tenista Maria Sharapova dio positivo en la sustancia en el Abierto de Australia.

El medicamento se añadió a la lista de productos prohibidos en enero, y ahora también hay atletas a los que se ha descubierto consumiéndolo después de la prohibición. Al menos un atleta faltó a los mundiales de atletismo por haber tomado meldonio.

Algunos atletas que han arrojado positivo argumentaron que el meldonio permaneció en sus sistemas durante meses después que dejaron de utilizarlo el año pasado.

Sharapova no aclaró cuándo utilizó meldonio por última vez.

Desde que la AMA prohibió el meldonio se han registrado 172 positivos en el fármaco en varios deportes y países, sobre todo en Rusia.

El caso más conocido es el de la tenista rusa Maria Sharapova, que anunció que había dado positivo durante el Abierto de Australia en enero.

En una nota enviada a las agencias nacionales antidopaje, la AMA admitió que “hay poca información científica precisa” sobre el tiempo que demora el meldonio en desaparecer del sistema.

“Es fundamental crear una plataforma para que los atletas limpios puedan mostrar al mundo que tienen talentos extraordinarios, sin que haya gente necesariamente en las gradas cuestionando si lo que ven tiene más mérito que la lucha profesional”.

La Agencia Mundial Antidopaje (AMA) dijo el miércoles que las suspensiones provisionales pueden ser revocadas si se determina que el atleta utilizó meldonio antes que el fármaco fuese colocado en la lista de sustancias prohibidas el 1 de enero.

“De ninguna manera esto es una amnistía para los atletas que se haya determinado que cometieron una violación del reglamento antidopaje”, aclaró el vocero de la AMA, Ben Nichols, en un correo a la AP.

“Más que nada, es una guía sobre cómo las organizaciones antidopaje deben atender las circunstancias de cada caso bajo su jurisdicción”.

Un ejemplo de eso se vio en Portland, donde los atletas tuvieron presentaciones a lo grande antes de las finales y organizando las ceremonias de entrega de medallas en una plaza cercana.

Fue otra oportunidad de que los aficionados interaccionaran con los ganadores.


LONDRES (AP) — En un cambio de parecer que podría provocar que se desestimen muchos casos de dopaje, los atletas que arrojaron positivo a meldonio podrían evitar sanciones porque no hay evidencia científica sobre el tiempo que la droga prohibida este año permanece en el sistema.

En una amplia entrevista con Associated Press, Coe abordó temas como el dopaje, las perspectivas de los atleta rusos para los Juegos de Río, Musculação cómo llevar al deporte al siglo XXI y si Usain Bolt merece pasar a la historia de la elite del deporte.

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June 15, 2021   Uncategorized   3 Comments

Tax refund for unemployment benefits: When your IRS money will come and how to check

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The IRS will automatically adjust 2020 tax returns for the unemployment tax break and issue letters with the amount.

Angela Lang/CNET

The IRS has already issued more than 2.8 million federal refunds to those who collected unemployment insurance during the pandemic. The 2021 American Rescue Plan treats the first $10,200 of unemployment benefits received last year (or $20,400 for married couples filing jointly) as nontaxable income. That means some 13 million taxpayers who paid income tax on that money before the change in the law could now be due for some money back. 

The specific amount of the refund will be different for each person, though it could be sizable. (The money could also be automatically applied to outstanding balances if you owe taxes or other debts.) The first round of refunds started going out in late May to single people without dependents, with the second round expected sometime in mid-June. Married couples and taxpayers with dependents should expect to see their IRS money later this summer. 

Read on for how you might check the status of your refund online. As for other unemployment news, half of US states have slashed the $300 weekly bonus payments and some are offering return-to-work bonuses. If you’re a parent expecting your first child tax credit payment on July 15, calculate how much you could get for your family and three ways to find out whether you qualify, including a new IRS letter about your child tax credit payments. We will update this story as we get more information.

Key facts about the unemployment tax break and refunds

The IRS already started sending refunds to taxpayers who received jobless benefits last year and paid taxes on the money. After some frustration with delays in the rollout, many single filers began seeing deposits in their checking accounts starting May 28, with 2.8 million refunds going out the first week of June. The IRS said the next set of refunds will go out in mid-June.

Here’s what to know:

  • The tax break is for those who earned less than $150,000 in adjusted gross income
  • The $10,200 is the amount of income exclusion for single filers, not the amount of the refund. The amount of the refund will vary per person depending on overall income, tax bracket and how much earnings came from unemployment benefits.

  • Not everyone will receive a refund. The IRS can seize the refund to cover a past-due debt, such as unpaid federal or state taxes and child support. 
  • Refunds started going out in May and will go out in batches through the summer as the agency evaluates tax returns. More complicated returns could take longer to process.

  • The IRS is doing the recalculations in two phases, starting with single filers who are eligible for the up to $10,200 tax break. It will then adjust returns for those married-filing-jointly taxpayers who are eligible for the up to $20,400 tax break.
  • If the IRS determines you are owed a refund on the unemployment tax break, it will automatically send a check.
  • You don’t need to file an amended return to claim the exemption. (Here’s how to track your tax return status and refund online.) Some who used tax software such as TurboTax said they have seen their refund amount change due to the unemployment refund, although they have yet to see a check. 
  • Refunds will go out as a direct deposit if you provided bank account information on your 2020 tax return. Otherwise, the refund will be mailed as a paper check to the address the IRS has on hand.
  • The IRS will send you a notice explaining the corrections within 30 days of when a correction is made.

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Your tax questions answered in 3 minutes


Check the status of your unemployment tax refund

The IRS says eligible individuals should’ve received Form 1099-G from their state unemployment agency showing in Box 1 the total unemployment compensation paid in 2020 (if you didn’t you should request one Slot Online Terpercaya). Some states may issue separate forms depending on the jobless benefits — for example, if you received federal pandemic unemployment assistance (PUA). 

The IRS online applications, like the Where’s My Refund tool and the Amended Return Status tool, will not likely provide information on the status of your unemployment tax refund. The IRS also says not to call the agency. 

As far as we know, the easiest way to find out when the IRS processed your refund (and for how much) is by viewing your tax transcript. Here’s how to find it:

1. Visit and log into your account. If you haven’t opened an account with the IRS, this will take some time as you’ll have to take multiple steps to confirm your identity.

2. Once logged into your account, you’ll see the Account Home page. Click View Tax Records.

3. On the next page, click the Get Transcript button.

4. Here you’ll see a drop-down menu asking the reason you need a transcript. Select Federal Tax and leave the Customer File Number field empty. Click the Go button.

5. The following page will show your Return Transcript, Records of Account Transcript, Account Transcript and Wage & Income Transcript for the last four years. You’ll want the 2020 Account Transcript

6. This will open a PDF of your transcript: Focus on the Transactions section. What you’re looking for is an entry listed as Refund issued, and it should have a date in late May or June. 

If you don’t have that, it likely means the IRS hasn’t gotten to your return yet. 

Unemployment tax refund details to be announced

The IRS has provided some information on its website about taxes and unemployment compensation. We’re still unclear as to how to contact the IRS if there’s a problem with your tax break refund. If a refund has been issued, you should expect a letter from the IRS within 30 days of the adjustment, which will tell you if it resulted in a refund or if it was used to offset debt. 

Here’s what we do know about contacting the IRS for stimulus check problems. For more on stimulus payments and relief aid, here is information about the child tax credit for up to $3,600 per child and details on who qualifies.

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June 15, 2021   Uncategorized   No comments

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June 15, 2021   Uncategorized   No comments

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June 15, 2021   Uncategorized   No comments

Combine A number of Mp3s To Form One Larger Audio File.

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June 15, 2021   Uncategorized   No comments

5 Ways To Kill Mold Naturally

Only specialist mould removal products and proper ventilation can utterly take away the underlying cause of the issue. In a nutshell, the time period mildew describes sure kinds of mold or fungus, and generically refers to mould that grows flat and stays on a fabric’s floor.

If the mold hasn’t penetrated deeply into the wood, you’ll be able to in all probability kill it. With a simple cleansing solution of dishwashing soap and heat water. Ceiling tiles, wood, paint, rubber, carpet, soil, dust; it’s all meals to the mold, just add water. Wet the moldy areas with plain water after which the bleach and water answer and permit it to work for several minutes. If stains remain, scrub the realm and then reapply more bleach and water resolution. Bathroom humidity and physique soil on surfaces create the proper setting for mould development.

Double-wrap them in 6-mm plastic and tape them with duct tape for disposal. Touching or transferring the mould could cause an unlimited quantity of harmful spores to be launched in the air, to the detriment of you and the people you share your house with.

Red mildew is a fungus, whereas pink mold is actually a water-borne bacterium generally found in bogs. Although purple mold isn’t its personal species of mildew, sure forms of mould usually tend to flip pink. This includes Aspergillus which is mostly found in loos and grows on water-damaged materials.

The cause for waiting is to ensure the vinegar from the first resolution is dry and inactive, since mixing bleach and vinegar creates chlorine gasoline. Some great info right here, a lot of people simply don’t realise that condensation is one of the primary causes of mould on partitions. Prevention is a should, bleach and water help when cleansing however correct air flow is key in terms of battling mould issues.

Blot it on the mold and allow it to work for a minute or so. Rinse solution from the area by alternately dabbing it with a damp fabric or sponge and a dry cotton material. This in all probability is not going to take away the mould, however it could help lessen the stain. Since mildew stains are hard to remove, you must also pre-soak your stained garment before washing it.

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