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  • MIL-OSI USA: SBA Offers Disaster Assistance to Oklahoma Small Businesses, Private Nonprofits and Residents Affected by Spring Wildfires

    Source: United States Small Business Administration

    SACRAMENTO, Calif. – The U.S. Small Business Administration (SBA) announced the availability of low interest federal disaster loans to Oklahoma small businesses, private nonprofits and residents to offset physical and economic losses from wildfires beginning March 14. The SBA issued a disaster declaration in response to a request SBA received from Gov. Kevin Stitt on April 16.

    The declaration covers the Oklahoma counties of Canadian, Creek, Garfield, Kingfisher, Lincoln, Logan, Noble, Okfuskee, Oklahoma, Okmulgee, Osage, Pawnee, Payne, Pottawatomie, and Tulsa.

    Businesses and nonprofits are eligible to apply for business physical disaster loans and may borrow up to $2 million to repair or replace disaster-damaged or destroyed real estate, machinery and equipment, inventory, and other business assets.

    Homeowners and renters are eligible to apply for home and personal property loans and may borrow up to $100,000 to replace or repair personal property, such as clothing, furniture, cars, and appliances. Homeowners may apply for up to $500,000 to replace or repair their primary residence.

    Applicants may be eligible for a loan increase of up to 20% of their physical damages, as verified by the SBA, for mitigation purposes. Eligible mitigation improvements include insulating pipes, walls and attics, weather stripping doors and windows, and installing storm windows to help protect property and occupants from future disasters.

    SBA’s Economic Injury Disaster Loan (EIDL) program is available to eligible small businesses, small agricultural cooperatives, nurseries and nonprofits impacted by financial losses directly related to this disaster. The SBA is unable to provide disaster loans to agricultural producers, farmers, or ranchers, except for aquaculture enterprises.

    EIDLs are for working capital needs caused by the disaster and are available even if the business did not suffer any physical damage. They may be used to pay fixed debts, payroll, accounts payable, and other bills not paid due to the disaster.

    Interest rates are as low as 4% for small businesses, 3.62% for nonprofits and 2.75% for homeowners and renters with terms up to 30 years. Interest does not begin to accrue, and payments are not due until 12 months from the date of the first loan disbursement. The SBA sets loan amounts and terms based on each applicant’s financial condition.

    “When disasters strike, SBA’s Disaster Loan Outreach Centers play a vital role in helping small businesses and their communities recover,” said Chris Stallings, associate administrator of the Office of Disaster Recovery and Resilience at the SBA. “At these centers, SBA specialists assist business owners and residents with disaster loan applications and provide information on the full range of recovery programs available.”

    Beginning Wednesday, May 21, SBA customer service representatives will be on hand at the Disaster Loan Outreach Centers (DLOCs) to answer questions about SBA’s disaster loan program, explain the application process and help individuals complete their applications. Walk-ins are accepted, but you can schedule an in-person appointment in advance at appointment.sba.gov.

    DLOCs hours of operations are listed below.

    LINCOLN COUNTY
    Disaster Loan Outreach Center
    Iowa Tribe of Oklahoma Fire Department
    335174 E. 750 Rd.
    Perkins, OK  74059

    Opens at 1 p.m., Wednesday, May 21
    Wednesday, 1 p.m. – 6 p.m.
    Thursday, 9 a.m. – 6 p.m.
    Friday, 9 a.m. – 6 p.m.

    Closes permanently at COB Friday, May 23

    LOGAN COUNTY
    Disaster Loan Outreach Center
    Logan County Courthouse Annex
    (Across the street north of 
    Courthouse in the 
    old Girl Scout Room)
    312 E. Harrison Ave.
    Guthrie, OK  73044

    Opens at 1 p.m., Wednesday, May 21
    Mondays – Fridays, 9 a.m. – 6 p.m.

    Closed Monday, May 26 for Memorial Day

    PAYNE COUNTY
    Disaster Loan Outreach Center
    City of Stillwater Community Center, Room 102
    315 W. Eighth Ave.
    Stillwater, OK  74074

    Opens at 1 p.m., Wednesday, May 21
    Mondays – Fridays, 9 a.m. – 6 p.m.

    Closed Monday, May 26 for Memorial Day
    Closes permanently at COB Wednesday, June 11

    To apply online, visit sba.gov/disaster. Applicants may also call SBA’s Customer Service Center at (800) 659-2955 or email disastercustomerservice@sba.gov for more information on SBA disaster assistance. For people who are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services.

    The deadline to return physical damage applications is July 21, 2025. The deadline to return economic injury applications is Feb. 20, 2026.

    ###

    About the U.S. Small Business Administration

    The U.S. Small Business Administration helps power the American dream of business ownership. As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start, grow, expand their businesses, or recover from a declared disaster. It delivers services through an extensive network of SBA field offices and partnerships with public and private organizations. To learn more, visit www.sba.gov.

    MIL OSI USA News –

  • MIL-OSI Security: Pagan’s Motorcycle Club Member Pleads Guilty for Armed Assault and Attempted Assault Against Rivals

    Source: Federal Bureau of Investigation (FBI) State Crime Alerts (b)

    KANSAS CITY, Mo. – A member of the Pagan’s Motorcycle Club pleaded guilty today before U.S. District Judge Greg Kays for his involvement in an armed assault and an attempted armed assault against members of rival motorcycle clubs.

    Jeremiah Z. Hahn, also known as “Pass Out,” 42, of Cameron, Mo., pleaded guilty today to one count of assault with a dangerous weapon in aid of racketeering, one count of attempting to commit assault with a dangerous weapon in aid of racketeering, and one count of felon in possession of a firearm.

    On May 30, 2022, Hahn and other members of the Pagan’s and their support club, assaulted a lone rival motorcycle gang member at a business in Grain Valley, Mo.  In addition to fists, Hahn used an axe handle during the assault, causing physical injury to the victim.

    On Sep. 3, 2022, Hahn and other members of the Pagan’s and their support club, travelled to Topeka, Ks., to carry out a revenge attack against another rival motorcycle gang.  The plan was to “catch a stray” and “smash on sight” any rival member they saw.  The Pagan’s were aware that the rival motorcycle gang were having an event in Topeka that day, and the plan was to use either an axe handle or a gun on one of the rival gang members.  After arriving in Topeka, a rival member was spotted in a hotel parking lot.  As Hahn, who was armed with a gun, prepared to shoot the rival, a disagreement occurred among members, and the group returned to the Kansas City area.

    Following both events, Hahn and others present were awarded patches for their participation.

    On May 3, 2023, Hahn was stopped by a Missouri State Highway Patrol Trooper on eastbound Highway 36 in Dekalb County, Mo., for speeding.  Hahn, who was riding a black, 2012 Harley Davidson motorcycle, had passed the trooper, traveling 98 mph in a 65-mph zone. Initially, Hahn attempted to flee the trooper and reached speeds ranging from 100-102 mph before stopping.  Following Hahn’s arrest, the trooper discovered a Smith and Wesson, model M&P Shield, .40 caliber semi-automatic handgun, in Hahn’s front pants’ pocket.  Hahn, who had felony convictions out of Oklahoma, Kansas, and Missouri, stated that he had stolen the gun approximately a week and a half earlier from a member of a rival motorcycle club in St. Joseph, Mo.

    Under federal statutes, Hahn is subject to a sentence of up to twenty years in prison without parole. The maximum statutory sentence is prescribed by Congress and is provided here for informational purposes, as the sentencing of the defendant will be determined by the court based on the advisory sentencing guidelines and other statutory factors. A sentencing hearing will be scheduled after the completion of a presentence investigation by the United States Probation Office.

    This case is being prosecuted by Assistant U.S. Attorneys Bradley K. Kavanaugh and Robert Smith. It was investigated by the FBI, the Independence, Mo., Police Department, the Blue Springs, Mo., Police Department, Homeland Security Investigations, and the Kansas City, Mo., Police Department.

    Organized Crime and Drug Enforcement Task Force

    This case is part of an Organized Crime Drug Enforcement Task Forces (OCDETF) operation. OCDETF identifies, disrupts, and dismantles the highest-level criminal organizations that threaten the United States using a prosecutor-led, intelligence-driven, multi-agency approach. Additional information about the OCDETF Program can be found at https://www.justice.gov/OCDETF.

    MIL Security OSI –

  • MIL-OSI Security: Kansas City Man Charged with Hobbs Act Robbery and Firearm Violations

    Source: Federal Bureau of Investigation (FBI) State Crime Alerts (b)

    KANSAS CITY, Mo. – A Kansas City, Mo., man was indicted by a federal grand jury today for robbing fourteen convenience stores at gunpoint. He also faces charges for attempting to rob another convenience store and illegally possessing a firearm.

    Marquise L. North, 31, of Kansas City, Mo., was charged in a thirty-one count indictment returned by a federal grand jury in Kansas City, Mo.

    Today’s indictment charges North with fourteen counts of Hobbs Act robbery, one count of attempted Hobbs Act robbery, fourteen counts of brandishing a firearm in furtherance of a crime of violence, and one count of being a felon in possession of a firearm.

    The federal indictment alleges North committed the robberies between July 26, 2024, and Sep. 21, 2024.  North is alleged to have brandished a firearm during each of the robberies.

    Under federal law, it is illegal for anyone who has been convicted of a felony to be in possession of any firearm or ammunition.  North has a prior felony conviction for unlawful possession of a firearm.

    The charges contained in this indictment are simply accusations, and not evidence of guilt. Evidence supporting the charges must be presented to a federal trial jury, whose duty is to determine guilt or innocence.

    Under federal statutes, North is subject to a sentence of up to life in federal prison without parole.  Brandishing a firearm during a crime of violence carries a mandatory minimum sentence of seven years in federal prison without parole.  The maximum statutory sentence is prescribed by Congress and is provided here for informational purposes, as the sentencing of the defendant will be determined by the court based on the advisory sentencing guidelines and other statutory factors. A sentencing hearing will be scheduled after the completion of a presentence investigation by the United States Probation Office.

    This case is being prosecuted by Special Assistant U.S. Attorney Jessica L. Jennings.  It was investigated by the FBI, Kansas City, Missouri Police Department, Raytown, Missouri Police Department, and Independence, Missouri Police Department.

    Project Safe Neighborhoods

    This case is part of Project Safe Neighborhoods (PSN), a program bringing together all levels of law enforcement and the communities they serve to reduce violent crime and gun violence, and to make our neighborhoods safer for everyone. On May 26, 2021, the Department launched a violent crime reduction strategy strengthening PSN based on these core principles: fostering trust and legitimacy in our communities, supporting community-based organizations that help prevent violence from occurring in the first place, setting focused and strategic enforcement priorities, and measuring the results.

    MIL Security OSI –

  • MIL-OSI Security: Two Springfield, Missouri, Men Sentenced for Methamphetamine Conspiracy

    Source: Federal Bureau of Investigation (FBI) State Crime Alerts (b)

    SPRINGFIELD, Mo. – Two men from Springfield, Mo., were sentenced in federal court for their roles in a conspiracy to distribute large quantities of methamphetamine in the Springfield area.

    Erik C. Foster, 43, was sentenced by U.S. District Judge Brian C. Wimes, to 215 months in federal prison without parole, to be followed by 5 years of supervised release. Foster pleaded guilty on Dec. 16, 2024.

    Tilton Chase Tate, 41, was sentenced by U.S. District Judge Brian C. Wimes, to 146 months in federal prison without parole, to be followed by 5 years of supervised release. Tate pleaded guilty on October 15, 2024.

    Foster and Tate were charged, along with other individuals, in a 24-count superseding indictment on July 25, 2023, for their roles in a drug conspiracy that lasted from Dec. 2020 to Oct. 2022.

    Foster admitted to purchasing and delivering methamphetamine for other conspirators to distribute in Southwest Missouri. During the course of the conspiracy, law enforcement seized well over 50 grams of methamphetamine from members of the conspiracy.

    According to court records, on Sep. 10, 2022, officers with the Republic, Mo. Police Department located two plastic bags containing at least 844 grams of methamphetamine from inside a speaker during a traffic stop where Foster was the passenger. Foster told officers that he had picked up the methamphetamine in Joplin and was taking it to Springfield to deliver it to a co-conspirator for distribution.

    On Oct. 12, 2022, deputies with the Greene County, Mo., Sheriff’s Office seized a small plastic bag of what appeared to be black tar heroin, a backpack containing 70 grams of methamphetamine, and over $11,960 in cash from Foster during a traffic stop. During a post-Miranda interview, Foster told officers that he was taking the backpack to a co-conspirator for distribution and that he had made six or seven similar trips to deliver methamphetamine.

    Tate admitted to possessing and distributing methamphetamine to others as part of the conspiracy.

    On Oct. 19, 2021, during a traffic stop, a Springfield, Mo. Police Department (SPD) detective seized over 440 grams of methamphetamine from Tate.

    On April 14, 2022, while executing a search warrant for Tate’s residence, SPD officers located a Ruger LCP 380 handgun and a Stoeger Arms, STR 9C 9mm handgun, as well as miscellaneous pills and suspected methamphetamine.

    Later in April, during a post-Miranda interview, Tate admitted to purchasing the methamphetamine seized during the Oct. traffic stop from a co-conspirator. He estimated that he was selling a pound of methamphetamine each week.

    This case is being prosecuted by Assistant U.S. Attorney Stephanie L. Wan. It was investigated by the Bureau of Alcohol, Tobacco, Firearms, and Explosives, the Federal Bureau of Investigation, the Greene County, Mo., Sheriff’s Office, the Missouri State Highway Patrol, the Republic, Mo., Police Department, and the Springfield, Mo., Police Department.

    Organized Crime and Drug Enforcement Task Force

    This case is part of an Organized Crime Drug Enforcement Task Forces (OCDETF) operation. OCDETF identifies, disrupts, and dismantles the highest-level criminal organizations that threaten the United States using a prosecutor-led, intelligence-driven, multi-agency approach. Additional information about the OCDETF Program can be found at https://www.justice.gov/OCDETF.

    MIL Security OSI –

  • MIL-OSI Security: Kansas City Man Sentenced to 30 Years for Fentanyl and Methamphetamine Conspiracy

    Source: Federal Bureau of Investigation (FBI) State Crime Alerts (b)

    KANSAS CITY, Mo. – A Kansas City, Mo., man was sentenced in federal court today for his role in a conspiracy to distribute fentanyl, methamphetamine, and heroin and for possession of firearms in furtherance of that conspiracy.

    Codi J. Monteer, 38, was sentenced by U.S. District Judge D. Greg Kays to 30 years in federal prison without parole.

    On Oct. 8, 2024, Monteer pleaded guilty to one count of conspiracy to distribute fentanyl, methamphetamine, heroin, and marijuana; one count of maintaining a drug involved premises; one count of possession of firearms in furtherance of the drug conspiracy; and one count of being a felon in possession of firearms.

    Monteer’s participation in the drug trafficking conspiracy lasted approximately one year and he was responsible for conspiring with others to distribute at least 124 kilograms of methamphetamine; 700 grams of fentanyl (powder and pills); and 1.58 kilograms of heroin.  He was also in possession of several firearms used in furtherance of his drug trafficking.

    On one occasion, in March 2021, Monteer led members of the Kansas Highway Patrol on a high-speed pursuit that reached speeds of approximately 145 miles per hour.  The pursuit did not conclude until two of the tires came off Monteer’s vehicle.  During the pursuit, drugs were thrown from the vehicle.     

    Monteer was an associate of Autumn Dicks, Ian Hazel, They Kelley, Marc Downs, and Jamison Hopson-Stephens.  Those individuals have already been sentenced for their roles within the conspiracy.  Monteer was also an associate of Davion Williams, Curtis Lewis, Daniel Anderson, and Aaron Dorsey in this conspiracy.  Those individuals have all pleaded guilty and are awaiting sentencing.

    This case is being prosecuted by Assistant U.S. Attorney Ashleigh A. Ragner.  It was investigated by the Kansas City, Mo. Police Department, FBI, United States Postal Inspection Service, and the Kansas State Highway Patrol.

    MIL Security OSI –

  • MIL-OSI Security: Shiprock Man Charged in Connection to Stabbing Incident

    Source: Federal Bureau of Investigation (FBI) State Crime Alerts (c)

    ALBUQUERQUE – A Shiprock man has been charged with assault with a dangerous weapon after he allegedly stabbed a man multiple times during an altercation near Shiprock.

    According to court documents, on the night of April 19, 2025, Navajo Police Department officers responded to a 911 call reporting a stabbing in Shiprock, New Mexico. Officers located the victim who had sustained three stab wounds to his upper and lower back. The victim was transported to the hospital for emergency treatment.

    An investigation led by the FBI and Navajo Nation Criminal Investigators revealed that Matthew Charley, 29, an enrolled member of the Navajo Nation, approached the victim and two witnesses. After a brief verbal exchange, the witnesses left the area, leaving Charley and the victim alone. When the witnesses returned a short time later, they found the victim had been stabbed. The victim identified Charley as his assailant.

    Law enforcement collected witness statements, obtained video evidence, and reviewed surveillance footage that corroborated the description and movements of the suspect.

    Screenshot of video showing Charley

    Charley is charged with assault with a dangerous weapon and will remain in custody pending trial, which has not yet been scheduled. If convicted of the current charges, Charley faces 10 years in prison.

    U.S. Attorney Ryan Ellison and Philip Russell, Acting Special Agent in Charge of the Federal Bureau of Investigation’s Albuquerque Field Office made the announcement today.

    The Farmington Resident Agency of the Federal Bureau of Investigation’s Albuquerque Field Office investigated this case with assistance from the Navajo Nation Police Department and Navajo Department of Criminal Investigations. Assistant U.S. Attorney Amy Mondragon is prosecuting the case.

    A criminal complaint is merely an allegation. All defendants are presumed innocent until proven guilty beyond a reasonable doubt in a court of law.

    MIL Security OSI –

  • MIL-OSI Russia: “We attach great importance to the development of sales in the Chinese market” — Director of the Baltika-Khabarovsk branch R. Degtyarev

    Translation. Region: Russian Federal

    Source: People’s Republic of China in Russian – People’s Republic of China in Russian –

    Source: People’s Republic of China – State Council News

    Khabarovsk, May 21 /Xinhua/ — “We attach great importance to developing sales in the Chinese market; since 2011, the bulk of Baltika deliveries to China have been carried out from the plant in Khabarovsk. During this time, exports from Khabarovsk Krai to China have increased 15-fold,” said Roman Degtyarev, director of the Baltika-Khabarovsk branch (a branch of the Russian brewing company Baltika in Khabarovsk), in his speech at the session “Agroexport: How to Sell in China,” held on May 19 as part of the Russian-Chinese Forum.

    R. Degtyarev told the forum participants about the company’s successful experience in entering the Chinese market. “We have been long-standing partners with China: regular export of Baltika has been carried out here since 2001, and during this time, deliveries have increased dozens of times.”

    According to him, in order to expand Baltika’s presence in the Chinese market and certify the quality of its products, the company underwent voluntary certification “Made in Russia”. A network of representative offices was deployed in the country and abroad, including in the Chinese cities of Beijing and Harbin. Taking into account the preferences of Chinese consumers, in 2024 the company released the Baltika Bolshoy Medved brand specifically for the Chinese market.

    The Baltika-Khabarovsk enterprise, launched in April 2003, is the largest producer of beer and soft drinks in the Khabarovsk Territory. The annual capacity of the plant currently amounts to 230 million liters. The bulk of deliveries to the countries of the Asia-Pacific region comes from China.

    On May 19, a two-day Russian-Chinese forum dedicated to cooperation between the two countries opened in Khabarovsk. More than 3,000 applications were received from representatives of business, government bodies, and creative industries of Russia and China to participate in the forum. –0–

    MIL OSI Russia News –

  • MIL-OSI Canada: Canadian Coast Guard Inshore Rescue Boat Stations Open Across Quebec

    Source: Government of Canada News

    May 21, 2025

    Québec, Quebec – The Canadian Coast Guard’s Inshore Rescue Boat stations in Quebec will open on May 28. They are located in Saint-Anicet (Lac Saint-François), Vaudreuil (Lac des Deux Montagnes), Beaconsfield, Longueuil, Sorel and Trois-Rivières.

    Inshore Rescue Boat stations are crewed by post-secondary students hired and trained by the Canadian Coast Guard. They provide primary maritime search and rescue service during the busy summer recreational boating season.

    Ashore, the Canadian Coast Guard’s Marine Communications and Traffic Services centres provide marine safety communications, while the response to each search and rescue case is coordinated by the Maritime Rescue Sub-Centre in Quebec.

    Waterways remain very cold at this time of year and take much longer to warm up compared to the air. Transport Canada’s Safe Boating Guide is an excellent source of information in preparation for the recreational boating season.

    On water, emergencies can be reported 24 hours a day, 365 days a year, toll-free (within Canada) at 1-800-463-4393, or via marine VHF radio – channel 16.

    MIL OSI Canada News –

  • MIL-OSI USA: Attorney General James and 38 Attorneys General Urge Congress to Preserve Access to Health Care for 9/11 Responders and Survivors

    Source: US State of New York

    EW YORK – New York Attorney General Letitia James today led a coalition of 38 other attorneys general in urging Congress to take immediate action to address the impending funding crisis threatening the World Trade Center Health Program (WTCHP), a lifeline for more than 135,000 first responders, survivors, and families impacted by the September 11, 2001 terrorist attacks. In a letter to congressional leadership, Attorney General James and the coalition called for urgent legislative action to ensure the long-term financial stability of the WTCHP, which is projected to face a devastating funding shortfall as early as next year.

    “For nearly 15 years, the WTC Health Program has provided life-saving care to the men and women who rushed toward danger to protect others in the wake of 9/11,” said Attorney General James. “Now, they face a new crisis – the possibility of being denied the medical care they so desperately need and deserve. We owe it to these heroes to keep our promise to them. Congress must honor their sacrifice and act now to prevent catastrophic cuts to this bipartisan, life-saving program, ensuring that these first responders and survivors continue to receive the care they need.”

    Established by Congress under the James Zadroga 9/11 Health and Compensation Act of 2010, WTCHP provides free medical care, monitoring, and treatment to more than 135,000 Americans living with 9/11-related health conditions. Patients served by WTCHP include survivors, first responders, and people who lived or worked near the World Trade Center in lower Manhattan, near the Pentagon, or near the Shanksville, Pennsylvania crash site, as well as those who participated in rescue, recovery, and cleanup efforts. Authorized by Congress through 2090, WTCHP provides care through clinics in the New York metropolitan area and a nationwide provider network that spans all 50 states.

    In the letter, Attorney General James and the coalition write that WTCHP has been an essential resource for fifteen years for Americans exposed to toxic dust and debris following the collapse of the Twin Towers. The attorneys general note that patients include firefighters, law enforcement officers, EMTs, construction workers, volunteers, and community members who were present in the aftermath – many of whom are now suffering from chronic respiratory illnesses, cancers, mental health conditions, and other serious illnesses directly linked to their exposure.

    The attorneys general argue that despite being reauthorized in 2015 and 2019 with overwhelming bipartisan support, the program now faces a severe funding shortfall that could result in the denial of care to thousands of current and future enrollees. The program is authorized to run until 2090, but the attorneys general contend that the far-off date is essentially meaningless if the program is not funded during that period.

    In the letter, Attorney General James and the coalition argue that WTCHP’s funding gap is driven by increasing demand for specialized care, as more survivors and first responders are diagnosed with 9/11-related illnesses each year. They note that approximately 400,000 people were exposed to the toxic air around Ground Zero, and though only a third of that group are currently enrolled in the program, many first responders and survivors are still getting sick at an alarming rate.

    The attorneys general contend that increased demand for services and treatment means that current funding levels are simply not enough for this country to keep its commitment to 9/11 heroes. Without additional funding, waitlists could grow, medical providers may be forced to cut back services, and the program could be unable to accept new enrollees – many of whom are only now receiving diagnoses for conditions directly linked to their exposure.

    Attorney General James and the coalition are calling on Congress to act swiftly and decisively to ensure WTCHP has the full funding it needs. The attorneys general strongly urge Congress to enact legislation that will both address the WTCHP funding shortfall and provide the financial stability necessary for the program to serve current and future enrollees.

    Joining Attorney General James in sending this letter are the attorneys general of California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Iowa, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming, American Samoa, the District of Columbia, the Northern Mariana Islands, and the U.S. Virgin Islands. 

    This is the latest action Attorney General James has taken in her effort to protect the critical World Trade Center Health Program. On May 8, Attorney General James hosted a Community Impact hearing and spoke with Tom Hart, a 9/11 responder, President of the Citizens for The Extension of the James Zadroga Act, and a leader in protecting and extending benefits to 9/11 survivors and their families. On May 5, Attorney General James led a lawsuit to stop the dismantling of the U.S. Department of Health and Human Services, including WTCHP which is facing catastrophic cuts to staff and operating capacity. On April 2, Attorney General James successfully pressured the administration into reinstating the WTCHP director after he was unjustly terminated, throwing the entire program into jeopardy and in February, following reports of significant staff cuts at federal health programs including WTCHP, Attorney General James and others immediately expressed outrage, after which the administration moved to temporarily reverse the staffing cuts.

    MIL OSI USA News –

  • MIL-OSI USA: Protecting the Finger Lakes Watersheds

    Source: US State of New York

    overnor Kathy Hochul today announced that $42 million will be disbursed to the Eastern Finger Lakes Coalition to begin implementation of priority projects that will help mitigate Harmful Algal Blooms in the Finger Lakes Watershed area. The Coalition will implement on- and off-farm projects that align with federal and State-approved clean water plans and other pollution prevention plans in an effort to further drive down nutrient and sediment runoff in the Eastern Finger Lakes watersheds. The investment is a part of the Governor’s 2024 State of the State commitment to develop on-the-ground actions necessary to address the controllable causes of harmful algal blooms (HABs) and significantly reduce their prevalence while supporting projects that help prevent nutrient and sediment runoff into lakes and improve climate resiliency.

    “Protecting New York’s water supply is a top priority for New York State,” Governor Hochul said. “We are moving this funding quickly to accelerate watershed protection and restoration measures that will reduce nutrient inputs to the Finger Lakes, improve water quality, and help reduce the frequency of HABs, while building resilience to support New York’s agricultural industry. Clean water is critical to sustaining the health of our communities, protecting our environment, and supporting local economies in the Finger Lakes.”

    In August 2024, New York State announced that $42 million, supported by the Clean Water, Clean Air and Green Jobs Environmental Bond Act of 2022 and other capital resources, was being directed to the Eastern Finger Lakes Coalition to further water quality protections and investments to improve water quality and reduce HABs in the Finger Lakes watershed area. HABs are caused by many factors and impact public health, recreation, and the local economy. The Coalition covers 11 Soil and Water Conservation Districts and seven of New York’s Finger Lakes – Canandaigua, Keuka, Seneca, Cayuga, Owasco, Skaneateles, and Otisco, and their watersheds.

    This dedicated funding, scheduled to the Coalition imminently, is supporting innovative agricultural and resilience projects both on and off farms. This critical investment will not only safeguard the health of the Finger Lakes but also support local farmers by providing additional resources to implement best management practices, such as erosion and sediment controls, nutrient management, and stormwater management that will contribute to cleaner water and soil health throughout the region.

    This direct support of the Coalition is a part of the Department of Agriculture and Markets (AGM) and Department of Environmental Conservation’s (DEC) partnership, alongside the State Soil and Water Conservation Committee, and the 11 Soil and Water Conservation Districts (SWCDs) in the Eastern Finger Lakes, to accelerate watershed protection and restoration measures to improve water quality and mitigate HABs.

    Projects will focus on:

    • Implementing the Agricultural Environmental Management (AEM) program projects  to help farmers reduce water pollution from agricultural activities;
    • Enhancing flood resiliency by stabilizing and protecting vulnerable streams, reducing sediment erosion, and upgrading culverts and implementing water control practices in steep road ditches to minimize sedimentation and runoff; and
    • Supporting nutrient reduction strategies outlined in watershed-based plans.

    Department of Environmental Conservation Acting Commissioner Amanda Lefton said, “Governor Hochul’s sustained investments to reduce the frequency of HABs is evident in the ongoing support for the Eastern Finger Lakes Coalition, as well as record infrastructure funding and sustainable farming assistance that helps continue improving the quality of waterbodies statewide. DEC looks forward to collaborating with the Coalition and our many partners on the State and local level to ensure the long-term protection of the lakes and rivers that provide countless environmental, health, and economic contributions to the region’s vibrant communities.”  

    State Agriculture Commissioner Richard A. Ball said, “We are proud of the work we are doing to drive down instances of HABs; however, we know that more must be done to address this issue in our watersheds, including in the Finger Lakes. As such, we are developing comprehensive action plans that will not only build on our current work to prevent water pollution, improve nutrient management, and reduce erosion, but will also guide our future goals for a sustainable environment and cleaner waterbodies. This funding will allow our Soil and Water Conservation Districts to work with both our farms and with local government to complete management projects that will have a critical impact on the reduction of sediments and nutrients entering the waterways and protect the water quality for the region now and for the future.”

    State Health Commissioner Dr. James McDonald said, “This latest funding demonstrates Governor Hochul’s commitment to addressing water quality improvements and Harmful Algal Blooms in the Finger Lakes Watershed area. The State Health Department will continue our work with local water suppliers and our state partners on infrastructure upgrades and technical assistance to help protect drinking water for years to come.”

    Cayuga SWCD Executive Director Doug Kierst said, “Through the continued support of NYS, Soil and Water Conservation Districts of the Eastern Finger Lakes Coalition will continue to get common sense conservation practices on the ground, where they are desperately needed. This dedicated funding will allow local SWCDs to focus on the implementation of an abundance of Best Management Practices that we have identified across the Finger Lakes Region. These important projects, when completed, will facilitate the protection of water quality through the reduction of nutrients and sediments to local waterbodies, support NYS clean water goals and maintain agricultural sustainability.”

    New York State SWCC Chair Matthew Brower said, “The NYS Soil and Water Conservation Committee is proud to be a part of the partnership working to improve the water quality of the Finger Lakes. The farming community, the local Soil and Water Conservation Districts and local governments have been working on these issues for many years and it is great that they will be able to continue this work with the funding provided by New York State. The Agricultural Environmental Program (AEM) has been an excellent program to help farmers identify needs on the farm and get the best management practices implemented to address water quality issues.”

    HABs Mitigation Efforts

    This investment builds on $1.2 million announced by the Governor in July 2024 for the Eastern Finger Lakes Coalition to build professional capacity to address HABs. It also included increased technical support for farmers to implement more cover crops, improve culverts to reduce runoff, enhance soil health, and reduce water quality impairments in the region.

    In just over the last five years, AGM has dedicated nearly $125 million— through its Agricultural Nonpoint Source Abatement and Control, Climate Resilient Farming, and Agricultural Environmental Management (AEM) programs— to on-farm projects that protect soil and water quality, conserve natural resources, fight climate change, and reduce the conditions that cause HABs, such as nutrient runoff and soil erosion, and greenhouse gas emissions.

    Through various funding streams allocated in the Budget, the Department supports the SWCDs, who work on behalf of New York’s farms to implement better nutrient and sediment control practices. The Department also supports SWCDs in their work with the State’s municipalities to increase stormwater absorption and improve water retention. These are accomplished through best management practices, such as nutrient management through manure storage, vegetative buffers along streams, conservation cover crops, water management, and more.

    Since 2020, specific to the Finger Lakes Watershed area, $66 million has been awarded over the last five years to implement best management practices on 370 farms within this region of the state. The projects awarded in the Finger Lakes alone have reduced 32,800 pounds of total phosphorus, 746,000 pounds of total nitrogen, and 43 million pounds of sediment per year. This work has also reduced New York State’s agricultural greenhouse gas emissions by nearly 43,000 metric tons of carbon dioxide equivalent every year and have also made a measurable impact towards keeping HABs out of the State’s waterways.

    Since 2017, DEC worked with stakeholders in the Canandaigua, Keuka, Seneca, Owasco, and Skaneateles lake watersheds to develop clean water plans to protect and improve water quality. In addition, DEC has completed Total Maximum Daily Load analysis in Conesus, Honeoye, and Cayuga lakes. In 2018, DEC convened four regional summits to examine the causes of HABs and develop sustainable solutions to reduce impacts. DEC worked with State and local partners to develop and implement  HABs Action Plans for 13 high- priority waterbodies, including several in the Eastern Finger Lakes.

    To date, New York State awarded more than $530 million in grants for projects statewide designed to reduce the frequency of algal blooms by targeting phosphorus and nitrogen pollution, factors that trigger HAB occurrences. DEC also created the New York Harmful Algal Bloom System (NYHABS) webpage, which features an interactive map that provides active HAB locations. Members of the public should report suspected HABs so DEC experts can review and identify for accuracy. Because it is hard to tell a HAB from a non-harmful algal bloom, it is best to avoid swimming, boating, otherwise recreating in, or drinking water with a suspected bloom. DEC encourages people to “Know it, Avoid it, Report it!” all year round, especially during the summer. The summer months are the peak time for HABs – warmer weather, calmer conditions, and more sunlight will often contribute to the blooms.

    Also, since 2014, DEC awarded more than $55.7 million to 96 projects for water quality improvement planning and implementation within the Eastern Finger Lakes watershed through the Water Quality Improvement Project program and the Non-agricultural Nonpoint Source Planning and MS4 Mapping Grant. Projects funded prepare planning reports or directly improve water quality or habitat, promote flood risk reduction, restoration, and enhanced flood and climate resiliency, or protect a drinking water source. Awards within the Eastern Finger Lakes watershed included land acquisition for source water protection, streambank and road ditch stabilization, wastewater disinfection, sanitary sewer overflow improvements, sediment and erosion control, wetland restoration, riparian buffers, salt storage, and aquatic habitat restoration.

    At least $75 million in grants is currently available through DEC’s Water Quality Improvement Project (WQIP) program to support new projects that can help reduce HABs and other actions that directly improve water quality or habitat, promote flood risk reduction, restoration, and enhanced flood and climate resiliency, or protect a drinking water source.

    Other recent funding to help protect water quality includes more than $90 million in grants and low-interest financing to the City of Auburn announced by Governor Hochul and the State Environmental Facilities Corporation. This will support planning, design, and construction of wastewater treatment improvements. To help promote buffers that prevent runoff and other water quality impairments, DEC established the 287-acre Cayuga Shores Wildlife Management Area along Cayuga Lake and awarded $1.2 million to the Finger Lakes Land Trust for land acquisitions to protect Owasco Lake water quality.

    New York’s Commitment to Water Quality

    New York State continues to increase its nation-leading investments in water infrastructure. With an additional $500 million for clean water infrastructure in the 2025-2026 enacted State Budget announced by Governor Hochul, New York will have invested a total of $6 billion in water infrastructure since 2017. In addition, the $4.2 billion Environmental Bond Act is helping State agencies, local governments, and partners access funding to protect water quality, help communities adapt to climate change, improve resiliency, and create green jobs. Bond Act funding will support new and expanded projects across the state to safeguard drinking water sources, reduce pollution, and protect communities and natural resources from climate change.

    The Governor also expanded EFC’s Community Assistance Teams to help all communities access assistance, particularly small, rural, and disadvantaged communities so they may leverage this funding and address their clean water infrastructure needs. Any community that needs help with funding its water infrastructure is encouraged to contact EFC.

    MIL OSI USA News –

  • MIL-OSI Security: Lackawanna, New York, Man Going to Prison for His Role in Kidnapping Conspiracy Attempting to Force Sister to Marry in Yemen

    Source: Federal Bureau of Investigation (FBI) State Crime Alerts (c)

    BUFFALO, N.Y. – U.S. Attorney Michael DiGiacomo announced today that Waleed Abughanem, 33, of Lackawanna, NY, who was convicted of misprision of felony, was sentenced to serve 36 months in prison by U.S. District Judge John L. Sinatra, Jr.

    Assistant U.S. Attorneys Charles M. Kruly and Maeve E. Huggins, who handled the case, stated that Abughanem is the son of Khaled Abughanem and the brother of Adham Abughanem. On September 8, 2021, Khaled and Adham Abughanem flew from Buffalo, NY, to Guadalajara, Mexico to kidnap Victim 1, who is the daughter of Khaled and the sister of Adham and Waleed. Between September 10, 2021, and April 6, 2023, Waleed, Khaled and Adham Abughanem conspired to transport Victim 1 from the Western District of New York to Cairo, Egypt, and then to Sanaa, Yemen, where they confined Victim 1 for approximately 16 months with the purpose of marrying her to a man not of her choosing.

    Waleed Abughanem knew Victim 1 was being held involuntarily, and during some of this period, he was present in Yemen. When he was not present in Yemen, Waleed Abughanem instructed his wife to monitor and supervise Victim 1. In December 2022, Waleed Abughanem traveled from Yemen to the United States. When questioned by U.S. Customs and Border Protection as to the whereabouts of his siblings, Waleed Abughanem told the CBP Officer that the Victim was in the United States. By making a false statement, Waleed Abughanem concealed that Victim 1 had been kidnapped and was being involuntarily held in Yemen.

    Khaled and Adham Abughanem were previously convicted by a federal jury at trial and are awaiting sentencing.

    Waleed Abughanem’s sentencing is the result of an investigation by the Federal Bureau of Investigation, under the direction of Special Agent-in-Charge Matthew Miraglia, and the U.S. Department of State’s Diplomatic Security Service, under the direction of Diplomatic Security Director Carlos Matus and Deputy Assistant Secretary Paul Houston. Additional assistance was provided by the Lackawanna Police Department, under the direction of Chief Mark Packard, Customs and Border Protection, under the direction of Director of Field Operations Rose Brophy, and CPB in Boston, Massachusetts.

    # # # #

    MIL Security OSI –

  • MIL-OSI Security: Mexican National Indicted for Allegedly Attempting to Smuggle Over 1100 Pounds of Meth into the U.S. Through Eagle Pass

    Source: Office of United States Attorneys

    DEL RIO, Texas – A federal grand jury in Del Rio returned an indictment charging a Mexican national with four counts related to methamphetamine trafficking.

    According to court documents, Veronica Sanchez-Pineda, 46, of Piedras Negras, Coahuila, Mexico, approached the Eagle Pass Port of Entry in a pickup truck on April 20, allegedly giving Customs and Border Protection officers a negative declaration for contraband including narcotics. A secondary inspection allegedly resulted in the discovery of a crystal-like substance inside an auxiliary tank in the bed of the truck. The liquid was extracted and resulted in a positive test result for the properties of methamphetamine, a criminal complaint alleges. The total approximate weight of the alleged narcotic was 521.03 kg.

    The criminal complaint also alleges that Sanchez-Pineda consented to a search of her cell phone, which contained a text message about a “job” in Eagle Pass as well as screenshots of money transfers between the defendant and another individual. Sanchez-Pineda allegedly admitted to being involved in illegal activity regarding the contents of the auxiliary tank and that she was being compensated in Mexican Pesos.

    Sanchez-Pineda is charged with one count of conspiracy to possess with intent to distribute methamphetamine; one count of possession of methamphetamine with intent to distribute; one count of conspiracy to import methamphetamine; and one count of importation of methamphetamine. She was arrested and made her initial court appearance April 24 before U.S. Magistrate Judge Matthew H. Watters of the U.S. District Court for the Western District of Texas. If convicted, Sanchez-Pineda faces 10 years to life in prison and up to a $10 million fine. A federal district court judge will determine any sentence after considering the U.S. Sentencing Guidelines and other statutory factors.

    Acting U.S. Attorney Margaret Leachman for the Western District of Texas made the announcement.

    Homeland Security Investigations is investigating the case.

    Assistant U.S. Attorney Warsame Galaydh is prosecuting the case.

    This case is part of Operation Take Back America, a nationwide initiative that marshals the full resources of the Department of Justice to repel the invasion of illegal immigration, achieve the total elimination of cartels and transnational criminal organizations (TCOs), and protect our communities from the perpetrators of violent crime. Operation Take Back America streamlines efforts and resources from the Department’s Organized Crime Drug Enforcement Task Forces (OCDETFs) and Project Safe Neighborhood (PSN).

    An indictment is merely an allegation and all defendants are presumed innocent until proven guilty beyond a reasonable doubt in a court of law.

    ###

    MIL Security OSI –

  • MIL-OSI Security: Charlotte Man Sentenced For Illegal Firearm Possession After Assaulting Two U.S. Postal Service Mail Carriers On The Same Day

    Source: Office of United States Attorneys

    CHARLOTTE, N.C. – Dujuan Marquise McNeil, 39, of Charlotte, was sentenced yesterday to 10 years in prison followed by three years of supervised release for illegal possession of a firearm after he assaulted two U.S. Postal Service mail carriers on the same day, announced Russ Ferguson, U.S. Attorney for the Western District of North Carolina.

    Rodney Hopkins, Inspector in Charge of the Atlanta Division of the U.S. Postal Inspection Service (USPIS), which oversees Charlotte, joins U.S. Attorney Ferguson in making today’s announcement.

    “My office will continue to aggressively prosecute those that threaten or harm our postal workers,” said U.S. Attorney Ferguson.  “Postal workers are hard-working Americans that are vital to our way of life and essential to our system of commerce.”

    “A core mission of the U.S. Postal Inspection Service is to provide a safe environment for Postal employees and the American public. Illegal weapons threaten the safety of all our communities,” said Inspector in Charge Hopkins. “We extend our utmost appreciation to our law enforcement partners and the U.S. Attorney’s Office in the Western District of North Carolina for supporting our mission and bringing this investigation to a successful conclusion.”

    According to court records, on June 1, 2023, McNeil, used firearms to threaten two U.S. Postal Service mail carriers. In both instances, McNeil used his vehicle to block a mail truck, before threatening the carrier inside with his guns. McNeil believed someone with the post office stole an unidentified item from his package. McNeil also went to a local post-office complain about the alleged theft. Clerks at that office reported that McNeil stated he would kill whichever carrier was responsible for the alleged theft.

    During the investigation, law enforcement determined the McNeil had multiple prior criminal convictions, including Possession of a Firearm by a Felon, Discharge of a Weapon into Occupied Property, and Domestic Violence Protective Order Violation, and was prohibited from possessing firearms.

    On June 14, 2023, a federal search warrant was executed at McNeil’s residence, where law enforcement found and seized multiple firearms, including: three 9mm semi-automatic pistols (one fitted with an extended magazine); a Polymer 80 9mm semi-automatic pistol (commonly referred to as a “ghost gun”) with an extended magazine; an AR15 semi-automatic rifle; multiple magazines; and nearly 300 rounds of ammunition.

    On October 30, 2024, McNeil pleaded guilty to possession of a firearm by a convicted felon. He is currently in federal custody and will be transferred to the custody of the Federal Bureau of Prisons.

    In making today’s announcement U.S. Attorney Ferguson commended USPIS for their work in this investigation and thanked the Bureau of Alcohol, Tobacco, Firearms and Explosives and the Charlotte Mecklenburg Police Department for their assistance. 

    The U.S. Attorney’s Office in Charlotte prosecuted the case.

     

    MIL Security OSI –

  • MIL-OSI Security: Baltimore Man Pleads Guilty to Drug Trafficking Conspiracy Involving Sale of Loaded AR-Style Pistol

    Source: Office of United States Attorneys

    The defendant sold undercover agents more than 2,000 grams of drugs.

    Baltimore, Maryland – Derrick Nutter, 40, of Baltimore, Maryland, pled guilty to conspiracy to commit drug trafficking in federal court. 

    Kelly O. Hayes, U.S. Attorney for the District of Maryland, announced the plea with Special Agent in Charge Toni M. Crosby, Bureau of Alcohol, Tobacco, Firearms, and Explosives (ATF).

    According to the guilty plea, Nutter unknowingly met with undercover agents on multiple occasions to sell methamphetamine, fentanyl, cocaine, and a loaded AR-style pistol.

    On June 12, 2024, Nutter sold an undercover agent approximately 109 grams of cocaine for $3,600, approximately seven grams of methamphetamine for $100, and a free sample of fentanyl. Then on June 20, 2024, Nutter sold the undercover agent approximately 85 grams of suspected fentanyl for $3,300, and approximately 79 grams of cocaine for $2,700.

    Additionally, on the same date, Nutter sold the undercover agent a 5.56 caliber AR-style privately made pistol with no serial number. It was equipped with an Axeon optic and loaded with 12 rounds of ammunition. The substance Nutter described as fentanyl was actually Schedule I ortho-Methylfentanyl – a fentanyl analogue.

    Nutter sold cocaine and MDMA to a second undercover on June 25, 2024, and August 22, 2024. He also explained that his “girl” was receiving a package of drugs in the mail. Investigators identified Nutter’s “girl” as co-conspirator Khristina Williams.

    On September 3, 2024, Nutter was at Williams’ residence and then he drove to a planned meeting location to sell the second undercover agent drugs. Nutter met the undercover agent and sold approximately 223 grams of methamphetamine in exchange for $4,000. He returned to his vehicle where authorities observed Williams seated in the front passenger seat.

    Then on September 10, 2024, Nutter met with two undercover agents and sold them approximately 525 grams of methamphetamine in exchange for $6,100. He also provided a free sample of fentanyl. Nutter agreed to sell the undercover agents additional fentanyl if they came to his home.

    While in route to his home, Nutter called Williams multiple times. After arriving at his residence, Nutter sold the undercover agents several hundred fentanyl pills. Eventually, Nutter and the undercover agents walked outside and met with Williams, who had arrived in her vehicle. Nutter retrieved several hundred additional fentanyl pills from Williams and handed them to the undercovers. The undercover agents paid Nutter $3,900 in exchange for the drugs, including nearly 800 fentanyl pills.

    On October 3, 2024, the two undercover agents met Nutter in a public parking lot. After Nutter sold them approximately 830 grams of methamphetamine, authorities arrested him. During the undercover operation, Nutter sold agents approximately 1,595 grams of methamphetamine, 298 grams of cocaine, 90 grams of fentanyl, 85 grams of fentanyl analogue, and the loaded AR-style pistol.

    Nutter faces a maximum sentence of 20 years in prison. Sentencing is scheduled for Wednesday, September 17, at 11 a.m.

    This case is part of Project Safe Neighborhoods (PSN), a program bringing together all levels of law enforcement and the communities they serve to reduce violent crime and gun violence, and to make our neighborhoods safer for everyone.  On May 26, 2021, the Department launched a violent crime reduction strategy strengthening PSN based on these core principles: fostering trust and legitimacy in our communities, supporting community-based organizations that help prevent violence from occurring in the first place, setting focused and strategic enforcement priorities, and measuring the results.

    U.S. Attorney Hayes commended the ATF for their work in the investigation.  Ms. Hayes also thanked Assistant U.S. Attorney James O’Donohue who is prosecuting the case.

    For more information about the Maryland U.S. Attorney’s Office, its priorities, and resources available to help the community, visit www.justice.gov/usao-md and https://www.justice.gov/usao-md/community-outreach.

    # # #

    MIL Security OSI –

  • MIL-OSI Security: Mission Woman Sentenced to Federal Prison for Larceny and Failure to Appear

    Source: Office of United States Attorneys

    PIERRE – United States Attorney Alison J. Ramsdell announced today that U.S. District Judge Eric C. Schulte has sentenced a Mission, South Dakota woman convicted of Larceny and Failure to Appear. The sentencing took place on May 19, 2025.

    Kylie Leader Charge, age 19, was sentenced to eight months in federal prison, followed by three years of supervised release. Leader Charge was further ordered to pay a $200 special assessment to the Federal Crime Victims Fund and $1,000 in restitution.

    Leader Charge was indicted by a federal grand jury in February 2024. She pleaded guilty on February 20, 2025.

    The conviction for Larceny stemmed from an incident that occurred in November of 2023, within the Rosebud Sioux Indian Reservation, when Leader Charge and a co-defendant stole a vehicle near Mission, drove it in a reckless manner, and caused damage to the vehicle.

    Following her Indictment, Leader Charge was released on bond. On March 21, 2024, Leader Charge failed to appear for a bail review hearing as required by her bond conditions. She was subsequently indicted for Failure to Appear.

    These matters were prosecuted by the U.S. Attorney’s Office because the Major Crimes Act, a federal statute, mandates that certain violent crimes alleged to have occurred in Indian Country be prosecuted in Federal court as opposed to State court.

    These cases were investigated by the Rosebud Sioux Tribe Law Enforcement Services and the United States Marshals Service. Assistant U.S. Attorney Meghan N. Dilges prosecuted the cases.

    Leader Charge was immediately remanded to the custody of the U.S. Marshals Service. 

    MIL Security OSI –

  • MIL-OSI Global: Eldest daughters often carry the heaviest burdens – insights from Madagascar

    Source: The Conversation – Africa – By Claire Ricard, Research Fellow at CERDI, Université Clermont Auvergne (UCA)

    In recent years, the term “eldest daughter syndrome” has gained traction on social media, as many firstborn daughters share how they had to grow up faster. They often took on caregiving and supportive roles in their families.

    In high-income countries, research shows that these responsibilities often bring long-term benefits. Firstborn daughters – and sons – tend to have higher educational attainment and stronger cognitive skills. They also enjoy better job prospects and salaries.

    Some studies in low- and middle-income countries have found similar positive effects of being the eldest. But others have found the opposite.

    In low-income contexts, economic constraints, cultural practices – such as the involvement of extended families in child-rearing – and inheritance norms may produce very different effects.

    Our research brings new insights by examining these dynamics in Madagascar. It is one of the world’s poorest countries. Birth order there strongly shapes the transition to adulthood, especially for firstborn children.

    Progress in understanding birth order effects in low-income countries is held back by the lack of detailed, sibling-level data. Our study used a dataset that followed individuals from the ages of 10 to 22, capturing their transition from adolescence to adulthood. It collected detailed information on education, work, health, marriage, and migration. The dataset also captured key demographic and educational details for all living full siblings of each respondent.

    We found that firstborns in Madagascar transition into adulthood earlier than their younger siblings. They are more likely to leave school early. They enter the workforce sooner and marry at younger ages. For example, fourth-born children are 1.5 percentage points less likely than firstborns to have never attended school, and 1.1 percentage points more likely to complete post-secondary education.
    Or, third-borns are 23% less likely to marry at age 19 than firstborns.

    Our findings suggest that later-born children benefit from greater parental investment in education. This leads to better schooling outcomes and delayed entry into the labour market.

    Birth order and the transition to adulthood

    In Madagascar, early marriage can be a way for families to ease financial pressure. This is especially true since daughters typically join their husband’s household.

    When it comes to marriage, we find that later-born children are less likely to marry early than their firstborn siblings – especially after age 17. This trend holds for both boys and girls. The difference appears earlier for girls, which aligns with their younger average age at marriage.

    Interestingly, second-born girls are not significantly less likely to marry than their older sisters. This suggests that the eldest daughter does not always bear the full brunt of early marriage risk.
    Firstborn daughters often take on caregiving and household roles. These responsibilities may delay their marriage slightly, as families rely on them for day-to-day support.

    What explains these birth order effects?

    We did not observe significant differences in cognitive skills (like reasoning) or non-cognitive traits (like personality) between firstborns and their younger siblings. Cognitive abilities were assessed through oral and written math and French tests administered at home. These findings contrast with evidence from wealthier countries, where firstborns often outperform their siblings in both cognitive and non-cognitive domains. This may result from greater early parental investment.

    In Madagascar, child development may rely less on direct parental input and more on interactions within the extended family. This is consistent with the concept of fihavanana, a cultural principle that emphasises solidarity and mutual support within the extended family.
    Rather than benefiting mostly from parental quality time, children – especially later-borns – may develop their cognitive and non-cognitive skills through broader social networks. These include relatives and older siblings.

    We also explored whether gender preferences might help explain the differences in outcomes. For instance, if later-born children were disproportionately boys, it could suggest that parents continued having children in hopes of having a son. This could lead to more resources being allocated to that later-born boy. However, our data show an even distribution of boys and girls among later-born children. This suggests that gender-based stopping rules are unlikely to explain the patterns we observe.

    Instead, our findings point to economic constraints as the main driver for firstborns transitioning into adulthood earlier than their younger siblings.

    In poorer households, particularly in rural areas, firstborn children are often asked to help out financially. This often comes at the cost of their own education. Later-born children, by contrast, receive more investment in their schooling. This may compensate for their limited access to other resources, such as land.

    We find no birth order advantage in wealthier households or among families where parents have some education. This again highlights poverty as a key factor shaping these patterns.

    The double burden of being firstborn

    To sum up, our research shows that, in Madagascar, both male and female firstborns face an earlier transition into adulthood. They leave school and enter the labour market sooner. They marry earlier, although firstborn girls may be at slightly lower risk of early marriage than their younger sisters.

    This suggests that, in poor countries, the eldest daughter syndrome is not just about emotional and care-giving responsibilities. It may also come with fewer educational opportunities, greater economic pressure, and an earlier end to childhood. A true double burden for disadvantaged girls. Economic constraints within households largely explain this pattern.

    But the story is not only one of constraint. The absence of differences in cognitive and non-cognitive skills suggests that broader community ties, rooted in fihavanana and extended kinship networks, help cushion the impact of early responsibility. These collective structures may not erase inequality, but they offer a vital source of resilience.

    As policymakers and practitioners look for ways to promote educational equity, it’s worth remembering that some of the most overlooked trade-offs happen within households. Reducing the weight of those trade-offs – through financial support, community-based programmes, or school retention efforts – could help ensure that the future of one child doesn’t come at the expense of another.

    Claire Ricard receives funding from the program “Investissements d’avenir” (ANR-10-LABX-14-01). She’s affiliated to Université Clermont Auvergne, CNRS, IRD, CERDI, F-63000, Clermont-Ferrand and works as an Economist at IDinsight, Rabat, Morocco.

    Francesca Marchetta receives funding from the program “Investissements d’avenir” (ANR-10-LABX-14-01).
    She’s affiliated to Université Clermont Auvergne, CNRS, IRD, CERDI, F-63000, Clermont-Ferrand and with PEP (Partnership for Economic Policy).

    – ref. Eldest daughters often carry the heaviest burdens – insights from Madagascar – https://theconversation.com/eldest-daughters-often-carry-the-heaviest-burdens-insights-from-madagascar-255785

    MIL OSI – Global Reports –

  • MIL-OSI Global: Why was St-Pierre-Miquelon targeted by both Donald Trump and a French politician?

    Source: The Conversation – Canada – By Paco Milhiet, Visiting fellow au sein de la Rajaratnam School of International Studies ( NTU-Singapour), chercheur associé à l’Institut catholique de Paris, Institut catholique de Paris (ICP)

    St-Pierre-Miquelon is a small French archipelago off the coast of Newfoundland in the northwestern Atlantic Ocean.

    A map of St-Pierre-Miquelon and its exclusive economic zone.
    (Eric Gaba)

    The territory is just 244 square kilometres with a population of only 5,800. Nonetheless, it’s recently been in the global spotlight due to its inclusion in a wave of tariffs imposed by the United States — and because of a controversial remark from a French presidential hopeful suggesting undocumented migrants should be deported there.

    These recent events provide an opportunity to examine the complex historical and geopolitical entanglements surrounding St-Pierre-Miquelon and involving France, Canada and the United States.

    Last French territory in the region

    Visited by Indigenous Peoples for nearly 5,000 years, St-Pierre-Miquelon became known to European sailors in the late 15th century and was officially claimed for France by Jacques Cartier in 1536.

    The archipelago soon emerged as a strategic base for French fishermen engaged in cod fishing and whaling. Over the ensuing centuries, the islands were fiercely contested by France and Great Britain, changing hands multiple times before being definitively restored to French control in 1816.

    In the 20th century, the archipelago was at the heart of recurring fishing disputes between Canada and France.

    These peaked in 1988 with events that included the seizure of fishing vessels, the recall of ambassadors and violations of existing agreements. Despite historic treaty-based rights, France’s access to fishing grounds declined after Canada’s 1992 cod moratorium and an arbitration ruling that gave St-Pierre-Miquelon an exclusive economic zone of just 38 kilometres around the archipelago, except for a 16-kilometre swath extending 320 kilometres south.

    Both these events had major economic repercussions for St-Pierre-Miquelon.

    Hefty tariff

    Today, the territory’s economy is small — less than 0.001 per cent of France’s GDP — and it depends heavily on public funds and external provisions, particularly from neighbouring Canada.

    Nevertheless, the territory was initially included among the targets of the so-called Liberation Day tariffs announced U.S. President Donald Trump in April. It was singled out with a hefty 50 per cent import duty, temporarily making it one of the most heavily taxed territories in the world, matched only by the landlocked African country of Lesotho.

    Although Trump reversed course and reduced the tariff to 10 per cent a few days later, the original decision was perplexing given the archipelago’s minimal economic weight and its peripheral geopolitical position. Why was this St-Pierre-Michelon targeted so brutally by the Trump administration?

    Halibut geopolitics

    St-Pierre-Miquelon and the U.S. had a balanced trade relationship from 2010 to 2025, until a sharp discrepancy appeared in July 2024. The U.S. imported US$3.4 million worth of goods from the islands, exporting only $100,000 over the entire year.

    This resulted in a reported trade imbalance of 3,300 per cent for the year 2024, which the U.S. government appears to have interpreted as evidence of a 99 per cent tariff imposed by the territory, applying the same flawed algorithm on other countries.

    Why was there such a discrepancy in July 2024?

    According to several reports, this statistical anomaly is actually the result of a long-standing dispute between France and Canada over fishing quotas in the waters surrounding St-Pierre-Miquelon.

    Traditionally, the territory mainly exports seafood products to France and Canada, and almost none to the U.S.

    But in June 2024, a French vessel offloaded several tons of halibut — an expensive fish in high culinary demand — in Saint-Pierre.

    While the catch was made in international waters and was technically legal, it occurred amid ongoing tensions between France and Canada over halibut stocks and the sustainability of the species in the area.

    Because of these tensions, the catch was redirected to the U.S. market and sold for the aforementioned US$3.4 million, an outcome that ultimately triggered the tariffs imposed by the Trump administration.

    France and Canada reached an agreement on halibut later in 2024. But their “halibut war” was just the latest example of recurring disputes between the two countries over fishing quotas in the waters off the Grand Banks of Newfoundland, one of the world’s richest fishing grounds.

    The heavy tariffs imposed by the U.S. on St-Pierre-Miquelon, even though they were swiftly reversed, wer therefore an indirect consequence of the long-standing tensions between France and Canada.

    A new Alcatraz?

    Within days of St-Pierre-Miquelon recovering from the tariff shock, it was once again thrust into the spotlight.

    This time, Laurent Wauquiez, a moderate right-wing presidential contender in France, suggested migrants under deportation orders known as obligations de quitter le territoire français — or OQTF — should be given two options: either be detained in St-Pierre-Miquelon or return to their countries of origin.

    It’s not the first time politicians have proposed deporting prisoners to French overseas territories.

    The suggestion is aligned with France’s historical use of these territories as sites for penal colonies, most notably in Cayenne in French Guyana and New Caledonia in the South Pacific.

    Wauquiez’s remarks were widely condemned as contemptuous and colonial in tone, including by members of the government.

    In response, local authorities in St-Pierre-Miquelon tried to capitalize on the controversy by launching a humorous media campaign that reappropriated the OQTF acronym.

    Social media ads from St-Pierre-Miquelon officials on the deportation proposal by Laurent Wauquiez.
    (Compiled by Paco Milhiet)

    Their goal was to shift the narrative and highlight the archipelago’s appeal: low unemployment, strong public safety, outstanding natural landscapes and a peaceful, family-friendly quality of life — and, hopefully, free from hefty American tariffs.

    Paco Milhiet does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

    – ref. Why was St-Pierre-Miquelon targeted by both Donald Trump and a French politician? – https://theconversation.com/why-was-st-pierre-miquelon-targeted-by-both-donald-trump-and-a-french-politician-256662

    MIL OSI – Global Reports –

  • MIL-OSI United Kingdom: Award-winning author to hold talk at Central Library

    Source: Scotland – City of Aberdeen

    An international award-winning author will be hosting a free talk this Saturday at Aberdeen Central Library.  

    Leila Aboulela will discuss her latest book ‘A New Year’, released as part of this year’s World Book Night, as well as talking about her career, inspirations and love of reading and writing.  

    Councillor Martin Greig, Aberdeen City Council’s culture spokesperson, said: “We are delighted to welcome such a distinguished author to our library.  

    “Leila’s work is hugely influential and insightful and I encourage everyone to come along and be inspired.” 

    Leila Aboulela said: “I am delighted to be back at the central library. Here in the early 1990s, my ambition to become a writer was first ignited.  

    “I attended creative writing workshops and author events which introduced me to the works of Scotland’s top writers. And of course I borrowed and read lots of books. I also made friends at the library, lifelong friends. The library will always be one of my favourite places in Aberdeen.” 

    The talk will be followed by a book signing, and copies of Leila’s books will be available to purchase.  

    Born in Cairo, Egypt, and brought up in Khartoum, Sudan, Leila began her literary career after moving to Aberdeen. Her work has received critical recognition for its depiction of the interior lives of Muslim women and the exploration of identity, migration and Islamic spirituality.  

    An Afternoon with Leila Aboulela will be held on Saturday 24 May at 2:30pm at Aberdeen Central Library. Booking is required to attend this event. To reserve a place, please email libraryevents@aberdeencity.gov.uk or phone 01224 070707.  

    Image credit: Rania Rustom 

    MIL OSI United Kingdom –

  • MIL-OSI: $255 Payday Loans: Direct lender, Same Day, No Credit Check – Payday Loans Online Near Me – Wizzay

    Source: GlobeNewswire (MIL-OSI)

    New York City, NY, May 21, 2025 (GLOBE NEWSWIRE) —

    With the world becoming increasingly fast-paced, unexpected bills can crop up at anytime, leaving people in urgent need of cash. For people with impending cash emergencies, $255 payday loans online same day provide a hassle-free and quick solution. The loans are meant to bring immediate financial reprieve, particularly for those with poor credit or those without access to other avenues of conventional credit.

    This detailed guide delves into the intricacies of $255 payday loans, such as the benefits of dealing with direct lenders like Wizzay, having in mind the requirements to be eligible, and options for those with varying credit scores.

    Wizzay: Best Platform to Get $255 Payday Loans Online with Same Day Approval from Direct Lenders | Instant Approval

    Wizzay is a top platform that connects borrowers with direct lenders offering $255 online payday loans with same-day approval. With a simple-to-use interface and an established network of good lenders, Wizzay makes borrowing easier, money available instantly without the red tape involved with normal credit checks.

    Wizzay makes it easy for lenders to complete a simple online application, receive the approval decision within seconds, and deposit funds into their bank account, typically on the same business day. Quickness is an ideal feature for those who require fast money.

     <<>>

    $255 Payday Loans Online Same Day California

    When faced with urgent bills like medical or auto emergencies, waiting days for approval of a conventional loan isn’t possible. Same-day approved online $255 payday loans provide the quick cash relief many Americans need.

    California residents have their own state regulations on payday loans. The typical maximum cash amount borrowed in California is $255 (after fees), so this is a typical loan amount all over the state. Wizzay connects California borrowers with licensed lenders who work within the state framework.

    The main advantages for California residents are:

    • Compliance with state laws
    • Borrower maximum fee caps
    • Simple disclosure requirements
    • Licensed lender connections

    What Are Payday Loans?

    Payday loans are temporary lending options that bring prompt fiscal relief until your next paycheck. Payday loans generally:

    • Range from $100 to $1,000 (with $255 being a typical sum, particularly in California)
    • Have 2-4 week repayment terms (due on your subsequent payday)
    • Come with higher interest rates than regular loans because they’re short-term
    • Are low-documentation compared to regular bank loans
    • Disburse quickly, often the same day that they approve you

    Unlike conventional loans that can take weeks to finalize, payday loans provide succor in times of financial crisis when time is crucial.

     <<>>

    Why You Should Go For Payday Loans Online?

    The advent of the Internet age has revolutionized the payday lending business. Online lenders such as Wizzay have made it easier than ever before by providing:

    • 24/7 application access
    • Paperless paperwork
    • Data encryption security
    • Instant approval messages
    • Direct fund deposit

    Applying for online payday loans avoids going to brick-and-mortar stores, filling out paper forms, or standing in line. The whole process, from funding application, can be done from your couch using any internet-enabled device.

    Most Trusted $255 Payday Loan Option Online With No Credit Check – Wizzay

    Wizzay has become the most reliable site for $255 online payday loans, especially for credit check worrisome borrowers. Although no genuine lender can provide strictly “no credit check” loans, Wizzay is a partner to direct lenders who:

    • Pay more attention to your present income and repayment capability
    • Look beyond regular credit ratings
    • Make soft credit checks that don’t affect your credit rating
    • Approve loans to borrowers from all sections of the credit spectrum

    This second option for creditworthiness makes Wizzay a great choice for less-than-stellar credit customers who require money in a hurry.

     <<>>

    Common Uses for Same Day Payday Loans With Wizzay

    Same-day payday loans through Wizzay act as an emergency financial safety net for numerous surprise expenses, like:

    • Out-of-pocket medical or dental costs that insurance doesn’t cover
    • Emergency car repairs when your vehicle is required for work
    • Overdue bills for power to avoid disconnection
    • Unforeseen home repairs such as faulty water heaters or AC systems
    • Covering small gaps between paychecks when bills are payable
    • Preventing costly overdraft or late payment charges

    These short-term loans bring peace of mind when working with time-critical financial expenses that cannot wait until your upcoming paycheck.

    Advantages of Choosing Wizzay for $255 Payday Loans from Direct Lender California

    Selecting Wizzay for your California $255 payday loan requirements has several benefits:

    • Easy Application Process: Fill up within minutes from your device
    • Large Network of Trustworthy Direct Lenders: Experience several lending opportunities on one platform
    • Easy-to-Understand Terms and Conditions: Complete transparency of all charges and repayment information
    • Fast Decision: Usually within a few minutes of application submission
    • Same-Day Funds: Funds credited to your bank account on the same business day
    • Secure Data Protection: Top-level encryption and privacy safeguards
    • 24/7 Online Convenience: Use anytime, day or night, weekends included
    • No Surcharge Fees: All fees disclosed before you sign up

    These advantages make Wizzay the Californians’ first choice for speedy financial solutions without messy processes.

    $255 Payday Loans Online Same Day With Wizzay

    Wizzay’s site is all about getting $255 online payday loans with same-day processing. This loan amount is especially favored in California, given the state’s regulations.

    The process is as follows:

    • Fill out the easy online application form with your information
    • Get instant pre-qualification feedback
    • Compare loan offers from direct lenders
    • Choose the best offer with the best terms
    • Finish any other verification steps with the lender
    • Get money into your bank account, usually on the same business day

    The whole procedure is made for ultimate efficiency, so you can tackle your financial crisis without any delay.

     <<>>

    Who Should Consider a $255 Payday Loan Online?

    Payday loans can be a help, but they’re not for everyone. You may want to use a $255 payday loan via Wizzay if you:

    • Are in a sudden, short-term financial situation
    • Have depleted other lower-cost borrowing sources
    • Have a regular income source with future paychecks
    • Require money today, and can’t wait for conventional loans
    • Can pay back the entire amount on your upcoming payday
    • Understand the greater cost of short-term borrowing

    Payday loans operate best as a short-term bridge in true financial emergencies, but not as a long-term financial option.

    Wizzay Offers No Denial Payday Loans Direct Lenders Only

    No lender can possibly approve everybody, but direct tribal loan lenders collaborating with Wizzay approve more people than big financial institutions. “No denial” is used to describe lenders who:

    • Approve applications from bad credit borrowers
    • Pay less attention to credit history than to income now
    • Have numerous loan products to suit various needs
    • Give definite reasons if the application cannot be approved
    • Dealing with direct lenders bypasses middlemen and results in:
    • Quicker processing times
    • Lower total costs
    • More customized service
    • Direct access to the funding source

    Wizzay’s $255 Payday Loans Eligibility Criteria: What do You Need to Qualify?

    To be eligible for a $255 payday loan with Wizzay’s group of direct lenders, you would usually have to satisfy these minimum requirements:

    • Be at least 18 years old
    • Be a US citizen or resident alien
    • Have a valid government-issued identification
    • Have an open checking account in your name
    • Provide evidence of steady income (employment, benefits, etc.)
    • Give a current email address and telephone number
    • Have a minimum monthly income (usually $1,000+)

    Unlike bank loans, payday lenders with no credit check usually do not require ideal credit histories or large amounts of financial records, so the application procedure is more convenient.

     <<< Bad Credit? No Problem – Wizzay Offers $255 Loans with No Credit Check>>>

    How Do Payday Loans Online Work?

    Payday loans via online websites like Wizzay function differently from bank loans:

    • Application: Fill out your information using an encrypted online application
    • Verification: Lenders check your identity and income information
    • Approval: Get loan offer with conditions and terms
    • Acceptance: Sign loan agreement electronically
    • Funding: Funds are credited directly to your bank account
    • Repayment: Amount of loan and fees are deducted automatically from your account on the scheduled date

    The whole process is fast and easy, doing away with paperwork and physical visits to obtain traditional lending.

    What Are 1 Hour Payday Loans Online?

    When minutes are of the essence, 1-hour payday loans from Wizzay’s network can bring ultra-rapid relief. While not all applications can be reviewed this rapidly, numerous lenders attempt to:

    • Review applications in minutes
    • Make instant approval determinations
    • Process funding requests instantly
    • Deposit funds as soon as possible technically

    1 Hour Payday Loans Online from Direct Lenders – Fast Approval Process

    Wizzay’s direct lender network is all about quick loan processing, which usually issues approval responses within 1 hour of application. This speedy time frame involves:

    • Initial Application: 5-10 minutes to fill out online
    • Automated Verification: Seconds to minutes
    • Lender Review: 15-60 minutes within business hours
    • Final Approval: Often within 1 hour of completing all necessary information
    • Fund Transfer: Fund transfer initiated immediately upon approval

    Most borrowers get the funds the same business day, especially when approved in the morning.

    <<>>

    $255 Payday Loans Direct Lender California

    California has unique rules covering payday lending, which makes the $255 loan figure popular in the state. When applying for a $255 payday loan in California via Wizzay, you’ll enjoy:

    • State-regulated maximum fees and interest rates
    • Authorized direct lenders that work within legal parameters
    • Transparent disclosure of all loan terms mandated by state law
    • Shield from predatory lending
    • Uncomplicated repayment terms 
    • No hidden penalties

    Wizzay ensures that all participating lenders are within California’s lending laws, giving borrowers an extra layer of protection and clarity.

    How To Get $255 Payday Loans Online Same Day In California?

    Getting a $255 payday loan in California via Wizzay is easy:

    • Visit Wizzay’s Website: Go to their secure online website
    • Start Your Application: Click on the application for loan button
    • Enter Personal Information: Enter your basic info and contact info
    • Submit Income Details: Enter work details and income proof
    • Provide Banking Information: Include your checking account information for transferring funds
    • Review and Submit: Make sure all details are correct before submitting
    • Receive Approval: Wait for lender approval notice
    • Accept Loan Terms: Review and agree to the provided loan agreement
    • Get Funds: Look for the deposit in your bank account, usually the same day

    Loans for Bad Credit: Why Payday Loans Still Work

    Conventional lending companies tend to deny borrowers with bad credit scores, making many lenders have fewer choices when money emergencies arise. Payday loans are still viable options for these people because:

    • Credit decisioning based on approval is more driven by current earnings than by credit record
    • Loan sizes are fairly low, minimizing lender exposure
    • Short-term repayment involves less long-term risk consideration
    • Direct deposit confirmation gives lenders payment security
    • The emergency nature of these loans makes higher interest charges understandable

    Using Wizzay, bad credit borrowers may still have access to emergency cash when conventional doors are shut.

      <<>>

    Benefits of Payday Loans for Bad Credit Borrowers

    For those who have low credit scores, payday loans provide several unique benefits:

    • Accessibility: Greater approval rates than conventional loans
    • No Credit-Building Requirements: No requirement for existing credit history
    • Fast Funding: Instant availability of money with no long approval processes
    • Minimal Documentation: Fewer papers needed than traditional loans
    • Fixed Fees: Absolute knowledge of total amount to be repaid upfront
    • No Collateral Required: No requirement for putting valuable possessions at risk
    • Credit Score Protection: Some lenders never report to major credit bureaus

    These advantages render payday loans from Wizzay an efficient option for subprime borrowers with timely financial requirements.

    Online Application Process for Instant Approval Explained

    The application process from Wizzay is optimized for efficiency:

    • Enter minimal personal data (address, name, etc.)
    • Supply job information and income verification
    • Supply banking details for deposit and repayment
    • Be given instant initial approval
    • Make final checks on terms from participating lenders
    • Accept and collect the funds

    The majority of applications only take less than 5 minutes to fill out.

    Payday Loans Online Without Traditional Credit Checks – Are They Safe?

    Lenders in Wizzay’s network of lenders usually conduct alternative verification instead of standard credit checks, such as:

    • Employment verification
    • Income verification
    • Bank account stability checks
    • Identity verification

    Such lenders have stringent security measures, such as:

    • Data encryption
    • Secure application websites
    • Privacy protection
    • Regulatory compliance

      <<>>

    Risks and Downsides of $255 Payday Loans

    Payday loans can offer vital emergency funds, but there are possible disadvantages, such as:

    • Higher charges than standard loans
    • Short payoff timeframes
    • Potential for renewal cycles if not paid on time
    • Not ideal for long-term money problems

    Responsible borrowers should have a solid repayment plan before taking any loan.

    What Does a Direct Lender Do That Other Lenders Don’t?

    When you utilize Wizzay, you are matched with direct lenders instead of brokers. This difference provides several benefits:

    • No Intermediary Fees: No extra broker fees
    • Faster Processing: Direct contact with the true funding source
    • More Transparent Terms: Deal directly with the entity setting loan conditions
    • Simplified Communication: Single point of contact throughout the loan process
    • Greater Security: Less sharing of personal information between multiple parties
    • Direct Accountability: The lender is fully responsible for all aspects of your loan

    These benefits make direct lenders through Wizzay’s platform preferable to working with loan brokers or matching services that may add costs and complexity.

    Comparing the Best Payday Loans and Direct Lenders Online

    Wizzay differentiates itself from others by providing:

    • Larger lender network for more loan choices
    • Higher approval rates for approved applicants
    • More fair fee structures
    • Improved customer service ratings
    • Faster average funding times

    <<>>

    $255 Payday Loan Direct Lender vs. Broker: Which is Better?

    You’ll find both direct lenders and brokers when you’re looking for a $255 payday loan. Knowing the difference makes the right choice:

    Direct Lenders (available on Wizzay):

    • Advise and finance loans directly from their own funds
    • Establish their own terms and interest rates
    • Take applications and make approvals
    • Service all parts of the loan
    • Have direct contact with borrowers

    Brokers:

    • Match borrowers with several prospective lenders
    • Charge fees for matching services
    • Disclose your details to many lenders
    • May lack insight into final loan terms
    • Create an additional step in the communication process

    For the majority of borrowers looking for speed and simplicity, direct lenders via Wizzay’s marketplace generally provide an improved experience with less hassle and intermediary fees.

      <<< Bad Credit? No Problem – Wizzay Offers $255 Loans with No Credit Check>>>

    Alternatives to $255 Payday Loans for Bad Credit Borrowers

    Instead of getting a payday loan, try these options:

    • Installment loans: Extended repayment schedules with lower payments
    • Credit unions or community lenders: Usually provide cheaper emergency loans
    • Borrowing from friends/family: Usually interest-free, but can put a strain on relationships
    • Payday advance apps: More recent services offering advances on earned wages

    What to Know Regarding Payday Loan Direct Lenders

    When using direct lenders in collaboration with Wizzay’s platform, note the following guidelines:

    • Check if the lender is licensed in your state
    • Check your state’s payday loan rate and fee caps
    • Check if loan rollovers are permitted in your area
    • Get a sense of how a lender handles late or skipped payments
    • See how your financial and personal data will be handled
    • Compare customer feedback with specific lenders
    • Assess responsiveness and quality

    Wizzay screens its lending partners, but it’s even better to do your own research.

    Tips to Get Same Day Approval and Funding

    To get the best opportunity for same-day funding:

    • Use early in the morning (before 10 am local time)
    • Have all documentation prepared before applying
    • Verify all application details for accuracy
    • Answer quickly to any verification requests
    • Read and accept the terms speedily when approved

       <<>>

    Payday Loan Same Day Near Me: Where to Find Same Day Payday Loans No Credit Check?

    Rather than going to traditional retail stores, Wizzay allows you to access same-day payday loans anywhere in California. Just apply online, get instant matching, and pick up your cash quickly — all from the comfort of your own home.

    Final Thoughts – Should You Apply for a $255 Payday Loan Online Today?

    $255 direct lender payday loans with Wizzay can be a source of crucial money in times of urgency if used sensibly. These loans are best suited when:

    • You are confronting a serious financial crisis
    • You have already tried cheaper alternatives
    • You have a definite strategy to pay on your subsequent payday
    • The effect of not having money immediately would be more expensive

    If your case fits the above-mentioned, Wizzay provides a safe, convenient platform through which you can get in touch with reliable direct lenders who can advance the emergency funds you require with same-day approval and disbursement.

    Frequently Asked Questions

    How can I get $1000 today?

    You may take out a $1000 payday loan using online marketplaces such as Wizzay, where you are connected with direct lenders that grant same-day financing upon approval.

    Can I borrow money online instantly?

    Yes, you can borrow money online with practically instantaneous approval using payday loan sites, although delivery of funds is subject to your bank’s processing period.

    Are payday loans legal in California?

    Yes, payday loans are legal in California under certain rules capping them at $300 maximum loan value (including fees) and a 15% maximum fee of the face value of the check.

    How to get a loan when no one will approve you?

    Look to payday lenders that place less emphasis on credit scores than income verification, look into secured loan alternatives, attempt credit unions with less stringent requirements, or look into payday alternative loans.

    Where is the easiest place to get a payday loan with bad credit?

    Online lending websites such as Wizzay that are designed to match borrowers with direct lenders who care less about credit history and more about income stability are usually the simplest places to obtain payday loans with bad credit.

    How to borrow $500 quickly?

    To take out a $500 loan fast, request an online payday loan via websites such as Wizzay, opt for cash advance apps, take out pawn loans, or ask for a small personal loan from credit unions with same-day approval.

    Do payday loans get denied?

    Yes, payday loans can be denied if you fail the fundamental requirements, such as minimum income levels, do not have proper identification, have existing payday loans, or give conflicting information on your form.

    Media Details:

    https://www.wizzay.com

    support@Wizzay.com

    Customer Acquisition LLC, Springates Building, Lower Government Road, Charlestown,

    Attachment

    The MIL Network –

  • MIL-OSI: No Credit Check Loans: Small Payday & Emergency Loans from Direct Lenders for Bad Credit – ( Guaranteed Approval Loans ) – HonestLoans

    Source: GlobeNewswire (MIL-OSI)

    New York City, NY, May 21, 2025 (GLOBE NEWSWIRE) —

    Are you in search of funds but concerned about your credit history? No credit check loans may be just the thing for you. No credit check loans are specially crafted for those who have bad credit history or do not wish to have their credit score impacted by hard inquiries. In this detailed guide, we will cover all you want to know about no credit check loans and why HonestLoans is the finest option in this field.

    Why HonestLoans Is The Best Option For No Credit Check Loans

    In the case of no credit check loans, Honest Loans beats other options for several reasons. With a huge network of reliable direct lenders, Honest Loans makes sure that borrowers find themselves connected with lenders who have expertise in offering loans without conventional credit checks.

    Honest Loans provides:

    • Easy and quick application process
    • High approval rates for all credit histories
    • Transparent fee structure with no hidden fees
    • Rapid funding, usually within 24 hours or shorter
    • Multiple loan options to cater to different financial situations

    Unlike most other loan-matching services, HonestLoans values customer satisfaction and financial health, earning them the top preference for acquiring a loan with no credit check from a direct lender.

     <<< Get Your Emergency Loan Today – No Credit Check, Guaranteed Approval with HonestLoans>>>

    Understand No Credit Check Loans | Loans Without Credit Checks, Guaranteed Approval From Direct Lender

    What Is A No Credit Check Loan?

    A no credit check loan is a product where the lender will not do a standard “hard pull” of your credit history at the time of application. Rather than considering your credit score, lenders consider other items like:

    • Current income level
    • Job stability
    • Bank account status and activity
    • Debt-to-income ratio
    • Alternative data points

    These loans are tailored for borrowers with bad credit records, thin credit histories, or who do not wish to incur further hard inquiries on their credit reports.

    What Kind Of Loans Don’t Need A Credit Check?

    A number of loan types usually don’t need traditional credit checks:

    • Payday Loans: Short-term, high-interest loans based on your pay
    • Title Loans: Secured loans using your car as collateral
    • Pawn Shop Loans: Secured loans tied to the value of things you lend temporarily
    • Some Installment Loans: More long-term loans with fixed installments that emphasize income verification
    • Cash Advances: Short-term loans against future income or available credit card limits
    • Some Personal Loans: Some alternative lenders provide personal loans without credit checks

    Each of these types of loans has its own merits, needs, and cost factors. HonestLoans allows the borrower to know which type is the best for their own particular financial circumstances.

     <<>>

    How Do Loans With No Credit Check Work?

    No credit check loans are different from bank loans:

    • Application: Fill out simple personal and financial details on the internet via sites such as HonestLoans
    • Verification: Your identity, income, and banking details are confirmed by lenders
    • Alternative Assessment: Rather than credit checks, lenders consider such things as income stability and banking history
    • Approval Decision: Be given a lending decision, often in minutes
    • Loan Agreement: Sign off and agree to the loan terms and conditions
    • Funding: Get paid through direct deposit, often within one business day or sooner

    The whole process is intended to be fast and accessible, particularly for people who could be denied such traditional banking services as a result of credit history problems.

    1 Hour Payday Loans Online No Credit Check Instant Approval From HonestLoans

    For emergency financial needs, 1 hour payday loans provide a savior. HonestLoans puts you in touch with lenders that offer instant approval—at times in under an hour.

    Main features of HonestLoans

    HonestLoans is unique in the no credit check loans market with a number of key features:

    • Friendly Platform
    • 256-bit Encryption
    • Free Service
    • Extensive Lender Network
    • Clear Process
    • Educational Content
    • Good Customer Support
    • Fast Results
    • 24/7 application availability
    • Real-time matching with direct lenders
    • Funds paid through ACH or prepaid card
    • No paperwork or faxing
    • Minimal documentation – ID and proof of income

    These elements work together to provide a hassle-free borrowing process that ranks your financial security and needs first.

     <<< Need Fast Cash for an Emergency? Get a No Credit Check Loan Today from HonestLoans>>>

    How HonestLoans’ Direct Lender Network Ensures No Denial Loans without credit checks

    In contrast to conventional financial institutions, HonestLoans utilizes a direct lender network that focuses on bad credit and no credit profiles. This decreases the possibility of rejection by matching you with a lender who can accommodate your individual financial profile.

    Why Honestloans Provides Guaranteed Approval Payday Loans Without Credit Check For Bad Credit?

    Although no loan is technically “guaranteed,” HonestLoans increases your chances of approval by:

    • Soliciting non-hard credit checks
    • Sourcing alternative income verification
    • Skipping conventional underwriting models
    • Offering alternatives for self-employed and part-time employees

    Advantages Of Using HonestLoans for Emergency Loans For Bad Credit

    In the event of a financial emergency with poor credit, Honest Loans provides several benefits:

    • Easy application process
    • Good approval rating for bad credit customers
    • Rapid funding, in some cases within 1 hour
    • No collateral needed
    • Clear loan terms

    These advantages make Honest Loans an ideal option for anyone in need of emergency funding irrespective of credit issues.

     <<>>

    HonestLoans’ Application and Funding Process – 1 Hour Payday Loans Online No Credit Check Instant Approval

    HonestLoans simplifies the loan process to obtain funds in the shortest time possible:

    • Go to the Honest Loans website
    • Complete the application form (around 3 minutes)
    • Compare lender deals
    • Digitally agree to terms
    • Fund received in as fast as 60 minutes

    This streamlined process allows borrowers in emergency situations to obtain funds when they are most in need, without delay or burdensome paperwork.

    Various Alternatives Provided for for Small Payday Loans Online With No Credit Check By HonestLoans

    HonestLoans provides borrowers with a range of small loan alternatives, including:

    • Traditional Payday Loans
    • Installment Payday Loans
    • Tribal Loans
    • Flex Loans
    • Cash Advances
    • Bad Credit Personal Loans
    • Paycheck Advances
    • $100 – $500 loans
    • Weekly or biweekly payment plans
    • Optional rollover or extended terms

    This diversity of loan offerings allows borrowers to locate the particular loan product which most closely matches their individual financial profile and repayment capabilities.

     <<< HonestLoans Has You Covered – Get Direct Lender Emergency Loans with No Credit Checks>>>

    Honest Loans’s No Credit Check Options vs. Traditional Loans

    HonestLoans offers a faster, easier option to banks, especially if you have bad credit.

    Let’s compare the important aspects:

    • Credit: Banks always pull credit. HonestLoans does not, so it’s easier to qualify.
    • Speed: Bank loans take days to receive. HonestLoans approves and deposits your loan within the hour.
    • Eligibility: Banks require good credit and a steady job. HonestLoans considers your income, number of active bank accounts, and not credit history.
    • Loan Amounts: Bank loans are large loans with long repayment terms. HonestLoans offers $100-$1000 short-term loans (today).
    • Application: Bank loan applications take forever. HonestLoans is online and takes minutes to complete.

    HonestLoans is the more convenient option if you want quick, easy financing when traditional financing is not available.

    Features And Benefits Of No Credit Check Loans With Guaranteed Approval From Direct Lender

    No credit check guaranteed approval loans provided by direct lenders possess various important features and advantages that benefit many borrowers:

    Important Features:

    • Direct funding source with no intermediaries
    • Streamlined application process
    • Income-focused instead of credit-based
    • Transparency in fee structure
    • Fast funding term
    • Simple repayment terms

    These features and advantages come together to produce a financial product that benefits those who are usually skipped by conventional banking organizations.

     <<< Bad Credit? No Problem – Get Quick, Hassle-Free Loans from HonestLoans Today>>>

    Eligibility Criteria for Loans Without Credit Check For Borrowers With Poor Credit History

    Although no credit check loans are easier to obtain than regular loans, borrowers must still satisfy basic criteria:

    • Regular Income: Regular source of income (job, benefits, etc.)
    • Active Bank Account: Active check account in good standing for receiving loan funds
    • Age Requirement: At least 18 years old (19 in certain states)
    • Identification: Valid government-issued photo ID
    • Contact Information: Current phone number and email address
    • Residency: U.S. citizenship or permanent residency
    • No Outstanding Payday Loans: Previous payday loans need to be paid in full

    Satisfying these conditions also greatly enhances your chances of loan approval even with bad credit history. HonestLoans cooperates with lenders who are more interested in these factors than with conventional credit scores.

    Various Types of Emergency Loans | Instant Payday Loans For Bad Credit No Credit Check

    Personal Loans

    Bad credit personal loans are unsecured loans with the following characteristics:

    • Amounts ranging from $500 to $5,000
    • Payback periods ranging from months to years
    • Fixed rates and consistent payments
    • Funds used for any expense
    • Possible reporting to credit bureaus to establish or rebuild credit

    Credit Card Cash Advances

    Cash advances permit borrowing against available credit card lines:

    • Instant access via ATMs or banks
    • No separate application process
    • Available up to your cash advance limit
    • Higher interest rates than standard purchases
    • Additional cash advance fees typically apply

      <<< Get Your Emergency Loan Today – No Credit Check, Guaranteed Approval with HonestLoans>>>

    Payday Loans

    Payday loans are short-term loans due on your next payday:

    • Typically $100 to $1,000
    • Very short terms (2-4 weeks)
    • Higher interest rates
    • Simple qualification requirements
    • Fast funding (same-day or next-day)
    • Based primarily on income verification

    Title Loans

    Title loans use your vehicle as collateral:

    • Loan amount based on vehicle value (25-50%)
    • Must own vehicle outright
    • Continue driving while repaying
    • Higher loan amounts than unsecured options
    • Longer repayment terms possible
    • Risk of vehicle repossession if unable to repay

    Paycheck Advances

    Paycheck advances offer early access to wages earned:

    • Access portion of wages prior to payday
    • Lower fees than regular payday loan
    • Often through employer program or app
    • Repayment automatically taken from paycheck
    • No credit check needed
    • Limited to amount already earned

      <<>>

    Urgent Loans For Bad Credit: How Long Does It Take to Get Approved?

    With bad credit, timing is everything when dealing with a financial emergency. Here’s what the approval timeframe looks like:

    • Application: 5-10 minutes to finish
    • Initial Decision: Typically instant to 15 minutes
    • Documentation Verification: 1-24 hours
    • Final Approval: As fast as 1 hour, usually within 24 hours
    • Funding: Some lenders provide 1-hour funding, others 24 hours

    HonestLoans partners with lenders who value speed, with most providing same-day approval and financing for approved borrowers.

    Payday Loans Online No Credit Check Instant Approval

    No credit check payday loans online with instant approval have transformed emergency lending by not only making the process quicker and more convenient than ever but also allowing us to disburse funds faster.

    Schedule for Quick Loans No Credit Check Disbursement

    Standard fund disbursement schedule:

    • Same Business Day: Applications received prior to 10:30 AM
    • Next Business Day: Applications received after cut-offs
    • Weekend Requests: Typically processed Monday (weekend funding provided by some lenders)
    • Bank Processing: Depends on the bank

    1 Hour Payday Loans Online No Credit Check Instant Approval

    For the quickest funding, the process is as follows:

    • Fill out HonestLoans’ quick application
    • Get instant pre-qualification
    • Send verification documents online
    • Get final approval, usually in minutes
    • Get funds via expedited bank deposit

      <<< Need Fast Cash for an Emergency? Get a No Credit Check Loan Today from HonestLoans>>>

    $255 Payday Loans Online Same Day

    These typical small loans provide:

    • Protection for small emergency costs
    • Simpler qualification terms
    • Faster approval process
    • Same-day funding when applied early
    • Less intimidating repayment amounts

    Pros and Cons of No Credit Check Loans

    As with any financial product, no credit check loans have benefits and drawbacks that are worth considering by the borrower.

    Pros:

    • Available to bad credit holders
    • Rapid application and funding
    • Low documentation needed
    • No hard credit checks
    • For use in multiple kinds of emergencies
    • Can prevent late charges or disconnection of services

    Cons:

    • Increased interest and fees
    • Repayment periods are shorter
    • Risk of debt cycle trap
    • May not establish credit if not reported
    • Smaller loan amounts than traditional ones
    • Predatory lenders exist in the industry

    Some predatory lenders target susceptible borrowers (that is why operations like HonestLoans are worth it)

    No Credit Check Loan Scenario in the USA

    The business landscape consists of:

    • Around 12 million Americans utilize payday loans every year
    • More than 23,000 payday lenders have business in the country
    • State laws differ significantly
    • Online lending opened up access beyond locations
    • Average payday loan amount is roughly $375

    HonestLoans operates within this environment by matching borrowers with solid lenders that work within regulations while ensuring fair terms.

      <<>>

    Alternatives to Small Payday Loans Online No Credit Check and Urgent Loans No Credit Check

    Alternatives to mainstream small payday loans:

    • Installment Microloans: Smaller loans with several payments
    • Cash Advance Apps: Mobile apps for wage advances
    • Credit Union Payday Alternative Loans: Less expensive alternatives
    • Small Personal Loans: Mainstream lenders with less restrictive requirements
    • Family and Friend Loans: Private loan sources

    $500 Cash Advance No Credit Check Loans

    The $500 cash advance is in demand because it:

    • Pays for most typical emergencies
    • Provides affordable payment sizes
    • Is easily accessible from many lenders
    • Typically offers same-day loans
    • Usually asks for $1,000-$1,500 monthly income

    Emergency Loans No Credit Check

    Emergency no credit check loans assist when:

    • Medical conditions need to be paid immediately
    • Car repairs are necessary for work commute
    • Repairs for the home are needed for safety
    • Critical utilities threaten disconnection
    • Other immediate needs loom in the financial future

    Some Risk-Free Alternatives to No Credit Check Loans

    Although no credit check loans have a valuable function, customers should think about these likely lower-cost options:

    Secured Loans

    Secured loans employ collateral to limit lender risk:

    • Less than unsecured rates
    • More available amount of money
    • Longer time to repay
    • Access through traditional credit unions and banks
    • Possibility of losing collateral if cannot repay

      <<< Need Fast Cash for an Emergency? Get a No Credit Check Loan Today from HonestLoans>>>

    Credit Unions

    Credit unions tend to be more flexible in lending:

    • Member-oriented approach
    • Payday Alternative Loans with caps on lower rates
    • More individualized assessment
    • Financial literacy tools
    • Opportunity to develop positive relationships
    • Demand membership (typically with small fees)

    Peer-to-Peer Lending

    P2P websites bring borrowers together with individual investors:

    • Consider non-credit score factors
    • Competitive rates for most borrowers
    • Flexible qualification
    • Transparent fee practices
    • Diverse loan amounts and durations
    • Easier application process

      <<< HonestLoans Has You Covered – Get Direct Lender Emergency Loans with No Credit Checks>>>

    What Are the Risks of No Credit Check Loans?

    No credit check borrowers must be aware of some possible dangers:

    • Exorbitant prices (interest rates and fees)
    • Short payment periods putting pressure
    • Possible cycles of debt
    • Predatory lenders preying on vulnerable borrowers
    • Differing state laws and consumer protections
    • Limited opportunity to build credit
    • Access to bank account for automatic debit

    Engaging in reputable services such as HonestLoans reduces these risks by linking borrowers with responsible lenders.

    How to Apply for No Denial Payday Loans Direct Lenders Only With No Credit Check?

    The process of application for no denial payday loans by direct lenders is simple:

    1. Gather Required Information:

    • Government ID
    • Proof of income
    • Active checking account info
    • Social Security Number
    • Contact details

    2. Select a Reputable Platform:

    • HonestLoans matches you with reliable direct lenders
    • Free service with no obligation
    • Personal info is secure using encryption

    3. Complete Application:

    • Enter personal and financial information
    • Enter amount of loan desired
    • Enter employment details
    • Enter banking information for funds transfer

    4. Review Offers:

    • Compare offers from various lenders
    • Watch for APR, fees, and terms of repayment
    • Look for hidden fees

    5. Accept Loan Terms:

    • Read the whole loan contract
    • Have questions answered about anything that is unclear
    • E-sign the contract

    6. Receive Funds:

    • Direct deposit into your bank account
    • Funding times from 1 hour to 1 business day

    Why Go For No Credit Check Loans?

    These loans serve important purposes:

    • Perfect for those with damaged credit histories
    • Faster than traditional loans during emergencies
    • Simple online application available 24/7
    • Accessible to those excluded from traditional banking
    • Private way to handle financial challenges
    • Avoid hard inquiries that damage credit scores
    • Bridge financial gaps between paychecks
    • Address urgent situations without delay

    How to Find a Reputable No Credit Check Loan Direct Lender?

    Search for lenders with:

    • Transparent fee terms and clear charges
    • Regulatory compliance
    • Good customer feedback
    • Secure sites (https)
    • Solid history
    • Membership in industry associations
    • Educational materials
    • No charges upfront

    Steer clear of lenders displaying:

    • Guaranteed approval with no conditions
    • High-pressure tactics
    • Sneaky charges or ambiguous charges
    • No address or contact information
    • Requests for unconventional payment options
    • Very high interest charges

    HonestLoans pre-screens their network of direct lenders to guarantee they are held to high standards for good lending practices.

    Where to Find The Best No Denial Payday Loans From Direct Lenders Only With No Credit Check?

    When looking for no denial payday loans from direct lenders with no credit checks, HonestLoans is the best choice for a variety of reasons:

    • Large lender pool boosting chances of approval
    • Vigorous lender screening guaranteeing ethical practices
    • No-charge service with no platform fee
    • Bank-level protection safeguarding your data
    • Easy application process
    • Educational materials to make informed decisions
    • Friendly customer support
    • Clear terms prior to commitment

      <<< Need Fast Cash for an Emergency? Get a No Credit Check Loan Today from HonestLoans>>>

    Final Words

    No credit check loans offer useful money solutions to persons with credit issues or crises that have to be addressed immediately. Although loans do generally incur more expense compared to conventional lending, they play a necessary role in the financial system by making available funds to persons who would otherwise have no alternative.

    For individuals requiring rapid access to funds without the usual credit checks, HonestLoans provides a trusted, secure portal linking borrowers directly with established direct lenders. Transparency, security, and customer education are their top priorities, and for this reason, they are the best in the no credit check loan market.

    Frequently Asked Questions

    Can I borrow money without a credit check?

    Yes, many online lenders such as HonestLoans offer loans based on your income rather than your credit score.

    Which loan does not require a credit check?

    Payday loans, cash advances, and certain personal installment loans typically don’t involve a credit check.

    How to get instant loan 50000 with low CIBIL score?

    Try to apply with lenders who consider income over credit history or opt for secured loans like HonestLoans.

    What is the easiest loan to get with no credit?

    Cash loans or payday loans are typically the quickest if you have no credit history.

    How can I get a loan in 1 hour?

    Search for lenders online such as HonestLoans that provide fast approvals and can make transfers in an hour.

    Can I get a loan with a 450 credit score in USA?

    Yes, your best option would be no credit check lenders or those who take other factors into consideration such as your income.

    Media Details:

    www.honestloans.net

    • Company: Honest Loans
    • Phone: 888-718-9134
    • Email: support@onlineloannetwork.com

    Attachment

    The MIL Network –

  • MIL-OSI: Best Payday Loans (Same Day) with No Credit Check and Same Day Approval 2025 – Fast Cash Online Instant Payday Loans for Quick Funding – Viva PayDay Loans

    Source: GlobeNewswire (MIL-OSI)

    New York City, NY, May 21, 2025 (GLOBE NEWSWIRE) —

    When life throws you a curveball—like an unexpected car repair, a last-minute medical bill, or an urgent home expense—waiting for your next paycheck isn’t always an option.

    That’s where payday loans step in, offering a lifeline for people who need fast cash. 

    These short-term loans are designed to help you cover emergency expenses quickly, so you can get back on your feet without the stress of financial uncertainty.

    Get an answer in 2 minutes!

    < CLICK for Same Day Loans Online No Credit Check Instant & Guaranteed Approval >

    Viva Payday Loans Review 2025: The Easiest Way to Fast Cash Online

    Life can throw you financial curveballs when you least expect it—an unexpected medical bill, a last-minute car repair, or just that awkward moment when payday is still days away but your wallet is already empty. 

    In these moments, you need a solution that’s fast, reliable, and doesn’t make you jump through endless hoops. 

    That’s where Viva Payday Loans shines as the best payday loan platform in 2025.

    < CLICK to apply for same day loan same day approval now >

    Why Choose Viva Payday Loans?

    Viva Payday Loans has redefined what it means to get a quick cash loan in the USA. Forget about stressful bank visits, mountains of paperwork, and worrying about your credit score. Viva Payday Loans makes the entire process simple, transparent, and tailored to real people—no matter your situation.

    With Viva Payday Loans, you can borrow anywhere from $100 up to $5,000, and choose a repayment term from just 2 months up to 24 months. 

    Whether you’re looking for a small bridge to your next paycheck or a larger amount for a big expense, the flexibility here is unmatched.

    Lightning-Fast Application & Approval

    Time is money, especially in a financial emergency. With Viva Payday Loans, you won’t be left waiting and wondering. 

    The online application is refreshingly fast—just a couple of minutes to fill in your details, choose your loan amount and term, and submit. 

    The decision? You’ll have your answer in about 2 minutes. No more anxious waiting—if approved, you can expect funds direct to your checking account, often as soon as the same day or by the next business day.

    < CLICK for No Credit Check Payday Loan – Instant & Guaranteed Approval >

    All Credit Scores Welcome

    If you’ve ever been turned down by traditional lenders because of past financial mistakes, Viva Payday Loans is a breath of fresh air. 

    This platform welcomes all FICO scores, including those with bad credit or limited credit history. Many payday lender partners in their network focus more on your current affordability than your credit past, so a rough patch years ago won’t keep you from getting the help you need today.

    No Credit Check? No Problem.

    Worried about a credit check? Viva Payday Loans offers options for no credit check payday loans. 

    If you need fast cash loans and want to avoid the hassle or anxiety of a traditional credit inquiry, you can still qualify as long as you meet the basic eligibility: be over 18, have a regular monthly income of at least $1,000, a permanent address, and an active checking or savings account with direct deposit.

    For Every Situation

    What truly sets Viva Payday Loans apart is the wide range of loan types available. Whether you’re unemployed but have alternative income, on benefits, or even need a specific amount like a $255 or $500 loan, Viva Payday Loans has solutions. 

    There are options for people with non-traditional income, people on SSI, and even those who prefer to use debit or prepaid cards instead of a standard bank account.

    Transparent, Trusted, and User-Focused

    Transparency is key at Viva Payday Loans. Interest rates are clearly stated (ranging from 5.99% to 35.99% APR), there are no upfront fees, and you always see the full repayment schedule before you commit. 

    The platform only works with reputable, reliable lenders, making it easy to avoid scams and hidden fees.

    Simple Steps, Real Results

    1. Choose your amount and term.
    2. Complete the simple online form.
    3. Get a decision in minutes and, if approved, receive your cash fast.

    It’s genuinely that easy. Plus, Viva Payday Loans’ support team is available throughout the week to answer any questions or help you through the process.

    Viva Payday Loans Is Your Go-To in 2025

    < CLICK for No Credit Check Payday Loan – Instant & Guaranteed Approval >

    In a world where financial emergencies can happen to anyone, Viva Payday Loans is the safety net that’s fast, friendly, and truly accessible. 

    With flexible loan options, instant online decisions, and no judgment for past credit issues, it’s simply the smartest way to get back on your feet. If you’re looking for the best payday loan lender in 2025, look no further—Viva Payday Loans delivers exactly what you need, right when you need it.

    Ready to experience the difference? Apply today and see how easy getting a payday loan can really be.

    Why Payday Loans?

    What makes payday loans especially attractive is their speed and accessibility. Thanks to the rise of online payday lenders, you can now apply for a loan from the comfort of your own home at any time of day. The application process is straightforward and typically takes just a few minutes to complete. Most online payday lenders offer instant approval—meaning you’ll know within moments whether you qualify—and many can deposit funds into your bank account the very same day.

    Unlike traditional loans that rely heavily on your credit score, payday lenders often skip the detailed credit check or use alternative methods for approval. This means even if you have a less-than-perfect credit history, you still have a strong chance of getting approved. For many borrowers who’ve been denied elsewhere, this opens the door to much-needed funds.

    Loan amounts usually range from $100 up to $1,000, depending on the lender and your individual circumstances. This flexibility allows you to borrow just what you need, without overextending yourself. With fast cash payday loans, you get a practical solution for those moments when time and money are both in short supply.

    < CLICK for No Credit Check Payday Loan – Instant & Guaranteed Approval >

    Understanding Payday Lenders

    Now that you know how payday loans can help in a pinch, let’s take a closer look at the lenders behind them and what you should expect when applying.

    How Payday Lenders Work

    Payday lenders are there for those moments when you need money fast and can’t wait until your next paycheck. They offer short-term loans—usually from $100 to $1,000—with the idea that you’ll pay the money back, plus interest, as soon as you get paid again. Because these loans are so quick and easy to get, the interest rates are typically much higher than what you’d find with a traditional bank loan. The convenience comes at a cost, but for many, it’s worth it when there’s an urgent need.

    What Makes a Lender Trustworthy?

    Not all payday lenders are the same. The best ones—like those you’ll find through reputable online loan platforms—are upfront about their fees, interest rates, and repayment terms. They won’t try to sneak in hidden costs or confusing fine print. A good lender spells everything out in simple language, so you know exactly what you’re signing up for from the start.

    What You’ll Need to Apply

    Applying for a payday loan is surprisingly simple. Most lenders just ask for a few basics: a bank account to deposit your funds, proof that you have a steady income, and a valid ID. These requirements help make the process quick and safe for everyone.

    About “Guaranteed Approval” Loans

    You might see some payday lenders advertise “guaranteed approval,” especially if you have bad credit. While this sounds great, it’s important to be careful—these loans often come with even steeper interest rates and extra fees. Always read the terms and borrow only what you can comfortably repay.

    Exploring Cash Advance Options

    What Is a Cash Advance?

    A cash advance is another fast and flexible way to handle surprise expenses, such as urgent car repairs or medical bills. Like payday loans, cash advances are short-term loans designed to tide you over until your next paycheck. They typically don’t require extensive paperwork, and many lenders now offer online cash advances that make the process even more convenient. With just a few clicks, you can request funds and have money deposited directly into your bank account—sometimes within hours.

    How Cash Advances Can Help

    For those facing a financial crunch, cash advances can be a practical solution to avoid missed payments, overdraft fees, or late charges on important bills. Many payday loan borrowers turn to cash advances when they need to bridge the gap between paychecks, especially when timing is tight.

    Personal Loan Alternatives: A Smarter Way to Borrow

    Why Consider a Personal Loan?

    If you have time to shop around and want to save money on interest, personal loans can be a much more budget-friendly alternative to payday loans or cash advances. Personal loans typically come with lower interest rates, longer repayment periods, and larger borrowing limits. This makes them a solid choice for bigger expenses or for consolidating high-interest debts.

    Where to Find Personal Loans

    You can apply for personal loans through a variety of sources. Online lending platforms connect you with multiple lenders at once, allowing you to compare rates, terms, and offers in minutes. Many traditional banks and credit unions also offer personal loans with even more favorable terms, especially if you have an established relationship or good credit history.

    What to Expect in the Application Process

    Unlike payday loans, personal loans require a bit more information. You’ll need to submit a formal application, undergo a credit check, and often provide details about your income and employment. While this process can take a little longer, the reward is usually a lower rate and a more manageable payment plan. For many borrowers, the extra effort is well worth it for the long-term savings and financial peace of mind.

    The Convenience of Online Loan Applications

    Applying for Loans Has Never Been Easier

    The digital age has completely transformed the way people borrow money. Today, nearly every reputable lender offers an online application process for payday loans, personal loans, and cash advances. Gone are the days of driving across town to fill out paperwork in person. Now, you can apply from your phone or computer, any time of day or night.

    Fast Approvals and Same-Day Funding

    Most online loan applications are designed for speed and simplicity. You’ll typically need to provide basic information—such as a valid ID, proof of income, and your bank account details. Thanks to automated approval systems, many lenders can review your application and provide an instant decision. If you’re approved, funds are often transferred the same day, putting money in your pocket when you need it most.

    Comparing Your Options

    Online loan platforms also make it easier than ever to shop around. You can compare multiple offers side by side, review interest rates and repayment terms, and choose the loan that best fits your needs and budget. This transparency empowers you to make smarter financial choices and avoid getting locked into a loan that doesn’t work for you.

    Loan Options and Terms

    When urgent financial needs arise, understanding your loan options and terms is crucial before choosing a payday lending provider.

    Online payday loans are popular for their speed, but most come with very short repayment periods—often just two to four weeks—meant to be paid back by your next payday. While this quick turnaround can be helpful, the interest rates and fees for these loans are typically much higher than what you’d see with a personal loan from a bank or credit union.

    Some payday loan lenders may offer slightly better terms for returning customers or those with a steady income, but these loans generally remain one of the more expensive ways to borrow.

    On the other hand, personal loans usually feature longer repayment periods—sometimes stretching over several months or even years—and offer lower interest rates. Your eligibility, the loan amounts you’re offered, and even your chances of an approval will depend on factors like your credit score and history.

    The good news is that many payday loan providers and credit check loans now consider borrowers with bad credit, giving more people access to much-needed funds.

    Still, before signing a loan agreement, always review the fine print and compare loan amounts, fees, and repayment schedules.

    Most payday loan borrowers benefit from carefully matching their loan choice to their budget and timeline, which can help prevent surprise costs or falling into a debt cycle. Taking the time to understand your options ensures you make the best decision for your financial situation.

    Cash Advance App Benefits

    In recent years, cash advance apps have become a popular alternative for folks who need quick cash but want to avoid the pitfalls of traditional payday loans.

    These apps are designed for convenience—they usually just need you to have a bank account and a steady paycheck, and most won’t even check your credit score.

    For many payday loan borrowers, this makes cash advance apps much more approachable, especially if your credit isn’t perfect. 

    The fees tend to be lower, and you can get money in your account fast, making them a great option for covering small, sudden expenses. 

    By using these apps, you can manage your finances more smoothly, avoid late fees, and steer clear of the high costs that come with payday loan lenders. They’re a solid choice if you need a little help between paychecks without taking on a lot of debt.

    Credit Union Loans

    If you’re looking for a more affordable way to borrow, it’s worth checking out what your local credit union has to offer.

    Credit unions are known for providing personal loans with much lower interest rates and fees than most payday loan providers.

    While you’ll usually need to become a member and go through a credit check, the process is often straightforward, and the terms are much more borrower-friendly.

    Many payday loan borrowers find that credit union loans are perfect for things like consolidating debt, paying for a big repair, or handling unexpected bills. Plus, credit unions often go the extra mile by offering financial counseling and guidance, helping you build better money habits for the future.

    If you’re tired of the high costs associated with payday loan lenders, a credit union could be a great long-term solution.

    Payday Loan Regulations

    Payday loan regulations can make a big difference in how safe and fair the borrowing process is for consumers.

    Depending on where you live, your state might put strict limits on how much payday loan lenders can charge in interest and fees—or it might have banned payday loans altogether.

    Reputable payday loan providers are required to follow both state and federal rules, such as the Truth in Lending Act, which makes sure you get all the facts about your loan upfront.

    For most payday loan borrowers, it’s really important to know your rights and understand the laws in your state before signing anything.

    These regulations are designed to protect you from unfair practices and help prevent debt from spiraling out of control. Always look for payday loan lenders who are transparent about their terms and who operate within the law, so you can borrow with greater confidence and peace of mind.

    Managing Debt

    Getting a handle on your debt is one of the smartest moves you can make, especially if you’ve relied on fast cash loans or loans online to cover emergencies like medical expenses.

    Many payday lender options may seem convenient at the moment, but without a plan, it’s easy to get stuck in a cycle of borrowing.

    If you’ve made past financial mistakes, you’re not alone—what matters most is taking steps to move forward. One way to get back on track is by looking into debt consolidation loans, which can bundle your balances into one payment with a structured repayment schedule.

    Setting a realistic budget and tracking every dollar that goes in and out of your checking account can help you avoid overspending. If you’re unsure where to start, talking to a financial advisor or credit counselor can help you map out a plan that fits your minimum monthly income and long-term goals.

    Avoiding Scams

    When you’re searching for loans online, it’s so important to stay alert for scams—especially since fast cash loans often attract shady operators.

    Many payday lender websites promise easy money, but always take time to research any lender before sharing your personal or checking account information.

    Read reviews, look for clear loan terms, and steer clear of lenders that offer “guaranteed approval” or ask for upfront fees. Traditional lenders and reputable online providers will always be upfront about costs and won’t hide details in the fine print.

    Remember, if something feels off or too good to be true, it probably is. Safeguarding your information and only working with trusted lenders helps you avoid headaches and keeps your financial journey moving in the right direction.

    Applying for a Loan

    Once you’ve found a lender you trust—whether it’s a traditional lender or a reputable online option—applying for loans online is usually quick and straightforward.

    Most fast cash loans or payday loans will ask for basic details like your checking account, proof of minimum monthly income, and a valid ID.

    Many payday lender websites offer speedy applications and even same-day funding, making it easier to handle sudden expenses like medical bills.

    But before you hit “accept,” make sure you understand the full repayment schedule, interest rates, and any extra fees. Taking a few minutes to read the terms can save you from surprises later and help you make choices that support your financial health, no matter what past financial mistakes you’ve made.

    Best Same Day Loans Online Summary

    Viva Payday Loans stands out as the top payday loan company in 2025 for anyone seeking fast, convenient, and reliable financial help.

    Their user-friendly online platform, wide range of loan options, and flexible terms make borrowing simple and stress-free, even for those with less-than-perfect credit.

    With transparent rates, no hidden fees, and instant decisions, Viva Payday Loans puts your needs first—providing peace of mind when you need it most.

    Whether you’re dealing with an emergency or just need a little extra cash to bridge the gap, Viva Payday Loans is truly the best choice for quick and secure payday loans in the USA. Apply today and experience financial support done right.

    Legal Disclaimer & Affiliate Disclosure

    The content provided in this article is for informational and educational purposes only and should not be considered financial, legal, or professional advice. While we make every effort to present accurate and up-to-date information sourced from reputable public and third-party resources, we cannot guarantee the completeness, reliability, or timeliness of the details included.

    Details regarding loan amounts, interest rates, and product availability are determined by third-party lenders and may be updated or changed at any time without notice. We strongly encourage readers to conduct their own research and consult with a qualified financial advisor or legal professional before making any financial decisions.

    The service discussed here—Viva Payday Loans—functions as a loan marketplace, not a direct lender. Viva Payday Loans does not issue loans or make credit decisions. Instead, the platform connects borrowers with independent lending partners, and all loan agreements, conditions, and terms are strictly between you and the selected lender.

    Please note that some links or references in this article are affiliate links. If you click a link and proceed—such as by submitting a loan request or accepting an offer—we may earn a commission, at no extra cost to you. This potential compensation does not influence our editorial content or the recommendations we provide.

    By using and relying on this article, you acknowledge and agree that:

    • You are responsible for independently verifying lender information and loan offers.
    • The content does not constitute individualized financial advice.
    • The publisher and contributors are not liable for any actions or outcomes resulting from the information provided.
    • All trademarks and brand names belong to their respective owners; mention of third-party services does not imply endorsement.
    • For the most accurate and current loan terms, eligibility requirements, and product details, always refer to the official website of the lender.

    Media Contact: Tony Stevens
    Website: Vivapaydayloans.com
    Email: support@vivapaydayloans.com
    102 W Service Rd, Apt: 820, Champlain, NY 12919

    Attachment

    The MIL Network –

  • MIL-OSI: Invesco Ltd: Form 8.3 – Adriatic Metals plc.; Opening Position disclosure

    Source: GlobeNewswire (MIL-OSI)

    FORM 8.3

    PUBLIC OPENING POSITION DISCLOSURE BY
    A PERSON WITH INTERESTS IN RELEVANT SECURITIES REPRESENTING 1% OR MORE
    Rule 8.3 of the Takeover Code (the “Code”)

    1.        KEY INFORMATION

    (a)        Full name of discloser: Invesco Ltd.
    (b)        Owner or controller of interests and short positions disclosed, if different from 1(a):
            The naming of nominee or vehicle companies is insufficient. For a trust, the trustee(s), settlor and beneficiaries must be named.    		  
    (c)        Name of offeror/offeree in relation to whose relevant securities this form relates:
            Use a separate form for each offeror/offeree    		 Adriatic Metals plc
    (d)        If an exempt fund manager connected with an offeror/offeree, state this and specify identity of offeror/offeree:  
    (e)        Date position held/dealing undertaken:
            For an opening position disclosure, state the latest practicable date prior to the disclosure    		 20.05.2025
    (f)        In addition to the company in 1(c) above, is the discloser making disclosures in respect of any other party to the offer?
            If it is a cash offer or possible cash offer, state “N/A”    		 Yes; Dundee Precious Metals Inc.

    2.        POSITIONS OF THE PERSON MAKING THE DISCLOSURE

    If there are positions or rights to subscribe to disclose in more than one class of relevant securities of the offeror or offeree named in 1(c), copy table 2(a) or (b) (as appropriate) for each additional class of relevant security.

    (a)        Interests and short positions in the relevant securities of the offeror or offeree to which the disclosure relates following the dealing (if any)

    Class of relevant security: GBP 1p ordinary GB00BL0L5G04
      Interests Short positions
      Number % Number %
    (1)        Relevant securities owned and/or controlled: 1,189,639 0.34    
    (2)        Cash-settled derivatives:        
    (3)        Stock-settled derivatives (including options) and agreements to purchase/sell:        

            TOTAL:

    		 1,189,639 0.34    

    All interests and all short positions should be disclosed.

    Details of any open stock-settled derivative positions (including traded options), or agreements to purchase or sell relevant securities, should be given on a Supplemental Form 8 (Open Positions).

    (b)        Rights to subscribe for new securities (including directors’ and other employee options)

    Class of relevant security in relation to which subscription right exists:  
    Details, including nature of the rights concerned and relevant percentages:  

    3.        DEALINGS (IF ANY) BY THE PERSON MAKING THE DISCLOSURE

    Where there have been dealings in more than one class of relevant securities of the offeror or offeree named in 1(c), copy table 3(a), (b), (c) or (d) (as appropriate) for each additional class of relevant security dealt in.

    The currency of all prices and other monetary amounts should be stated.

    (a)        Purchases and sales

    Class of relevant security Purchase/sale Number of securities Price per unit
    AUD Depository Receipt AU0000004772 Sale 200,000 3.72 AUD

    (b)        Cash-settled derivative transactions

    Class of relevant security Product description
    e.g. CFD    		 Nature of dealing
    e.g. opening/closing a long/short position, increasing/reducing a long/short position    		 Number of reference securities Price per unit
             

    (c)        Stock-settled derivative transactions (including options)

    (i)        Writing, selling, purchasing or varying

    Class of relevant security Product description e.g. call option Writing, purchasing, selling, varying etc. Number of securities to which option relates Exercise price per unit Type
    e.g. American, European etc.    		 Expiry date Option money paid/ received per unit
                   

    (ii)        Exercise

    Class of relevant security Product description
    e.g. call option    		 Exercising/ exercised against Number of securities Exercise price per unit
             

    (d)        Other dealings (including subscribing for new securities)

    Class of relevant security Nature of dealing
    e.g. subscription, conversion    		 Details Price per unit (if applicable)
           

    4.        OTHER INFORMATION

    (a)        Indemnity and other dealing arrangements

    Details of any indemnity or option arrangement, or any agreement or understanding, formal or informal, relating to relevant securities which may be an inducement to deal or refrain from dealing entered into by the person making the disclosure and any party to the offer or any person acting in concert with a party to the offer:
    Irrevocable commitments and letters of intent should not be included. If there are no such agreements, arrangements or understandings, state “none”
     

    (b)        Agreements, arrangements or understandings relating to options or derivatives

    Details of any agreement, arrangement or understanding, formal or informal, between the person making the disclosure and any other person relating to:
    (i)        the voting rights of any relevant securities under any option; or
    (ii)        the voting rights or future acquisition or disposal of any relevant securities to which any derivative is referenced:
    If there are no such agreements, arrangements or understandings, state “none”
     

    (c)        Attachments

    Is a Supplemental Form 8 (Open Positions) attached? NO
    Date of disclosure: 21.05.2025
    Contact name: Philippa Holmes
    Telephone number*: +441491417447

    Public disclosures under Rule 8 of the Code must be made to a Regulatory Information Service.

    The Panel’s Market Surveillance Unit is available for consultation in relation to the Code’s disclosure requirements on +44 (0)20 7638 0129.

    *If the discloser is a natural person, a telephone number does not need to be included, provided contact information has been provided to the Panel’s Market Surveillance Unit.

    The Code can be viewed on the Panel’s website at www.thetakeoverpanel.org.uk.

    The MIL Network –

  • MIL-OSI: Invesco Ltd: Form 8.3 – Dundee Precious Metals Inc.; Opening Position disclosure

    Source: GlobeNewswire (MIL-OSI)

    FORM 8.3

    PUBLIC OPENING POSITION DISCLOSURE BY
    A PERSON WITH INTERESTS IN RELEVANT SECURITIES REPRESENTING 1% OR MORE
    Rule 8.3 of the Takeover Code (the “Code”)

    1.        KEY INFORMATION

    (a)        Full name of discloser: Invesco Ltd.
    (b)        Owner or controller of interests and short positions disclosed, if different from 1(a):
            The naming of nominee or vehicle companies is insufficient. For a trust, the trustee(s), settlor and beneficiaries must be named.    		  
    (c)        Name of offeror/offeree in relation to whose relevant securities this form relates:
            Use a separate form for each offeror/offeree    		 Dundee Precious Metals Inc.
    (d)        If an exempt fund manager connected with an offeror/offeree, state this and specify identity of offeror/offeree:  
    (e)        Date position held/dealing undertaken:
            For an opening position disclosure, state the latest practicable date prior to the disclosure    		 20.05.2025
    (f)        In addition to the company in 1(c) above, is the discloser making disclosures in respect of any other party to the offer?
            If it is a cash offer or possible cash offer, state “N/A”    		 Yes; Adriatic Metals plc

    2.        POSITIONS OF THE PERSON MAKING THE DISCLOSURE

    If there are positions or rights to subscribe to disclose in more than one class of relevant securities of the offeror or offeree named in 1(c), copy table 2(a) or (b) (as appropriate) for each additional class of relevant security.

    (a)        Interests and short positions in the relevant securities of the offeror or offeree to which the disclosure relates following the dealing (if any)

    Class of relevant security: CA2652692096
      Interests Short positions
      Number % Number %
    (1)        Relevant securities owned and/or controlled: 2,278,928 1.35%    
    (2)        Cash-settled derivatives:        
    (3)        Stock-settled derivatives (including options) and agreements to purchase/sell:        

            TOTAL:

    		 2,278,928 1.35%    

    All interests and all short positions should be disclosed.

    Details of any open stock-settled derivative positions (including traded options), or agreements to purchase or sell relevant securities, should be given on a Supplemental Form 8 (Open Positions).

    (b)        Rights to subscribe for new securities (including directors’ and other employee options)

    Class of relevant security in relation to which subscription right exists:  
    Details, including nature of the rights concerned and relevant percentages:  

    3.        DEALINGS (IF ANY) BY THE PERSON MAKING THE DISCLOSURE

    Where there have been dealings in more than one class of relevant securities of the offeror or offeree named in 1(c), copy table 3(a), (b), (c) or (d) (as appropriate) for each additional class of relevant security dealt in.

    The currency of all prices and other monetary amounts should be stated.

    (a)        Purchases and sales

    Class of relevant security Purchase/sale Number of securities Price per unit
           

    (b)        Cash-settled derivative transactions

    Class of relevant security Product description
    e.g. CFD    		 Nature of dealing
    e.g. opening/closing a long/short position, increasing/reducing a long/short position    		 Number of reference securities Price per unit
             

    (c)        Stock-settled derivative transactions (including options)

    (i)        Writing, selling, purchasing or varying

    Class of relevant security Product description e.g. call option Writing, purchasing, selling, varying etc. Number of securities to which option relates Exercise price per unit Type
    e.g. American, European etc.    		 Expiry date Option money paid/ received per unit
                   

    (ii)        Exercise

    Class of relevant security Product description
    e.g. call option    		 Exercising/ exercised against Number of securities Exercise price per unit
             

    (d)        Other dealings (including subscribing for new securities)

    Class of relevant security Nature of dealing
    e.g. subscription, conversion    		 Details Price per unit (if applicable)
           

    4.        OTHER INFORMATION

    (a)        Indemnity and other dealing arrangements

    Details of any indemnity or option arrangement, or any agreement or understanding, formal or informal, relating to relevant securities which may be an inducement to deal or refrain from dealing entered into by the person making the disclosure and any party to the offer or any person acting in concert with a party to the offer:
    Irrevocable commitments and letters of intent should not be included. If there are no such agreements, arrangements or understandings, state “none”
     

    (b)        Agreements, arrangements or understandings relating to options or derivatives

    Details of any agreement, arrangement or understanding, formal or informal, between the person making the disclosure and any other person relating to:
    (i)        the voting rights of any relevant securities under any option; or
    (ii)        the voting rights or future acquisition or disposal of any relevant securities to which any derivative is referenced:
    If there are no such agreements, arrangements or understandings, state “none”
     

    (c)        Attachments

    Is a Supplemental Form 8 (Open Positions) attached? NO
    Date of disclosure: 21.05.2025
    Contact name: Philippa Holmes
    Telephone number*: +441491417447

    Public disclosures under Rule 8 of the Code must be made to a Regulatory Information Service.

    The Panel’s Market Surveillance Unit is available for consultation in relation to the Code’s disclosure requirements on +44 (0)20 7638 0129.

    *If the discloser is a natural person, a telephone number does not need to be included, provided contact information has been provided to the Panel’s Market Surveillance Unit.

    The Code can be viewed on the Panel’s website at www.thetakeoverpanel.org.uk.

    The MIL Network –

  • MIL-OSI Economics: Phillips 66 Updates Preliminary Results on Election of Directors

    Source: Phillips

    Phillips 66 Shareholders Elect Robert W. Pease and Nigel Hearne Phillips 66 Directors as well as Sigmund L. Cornelius and Michael A. Heim Elliott Director Nominees

    HOUSTON–(BUSINESS WIRE)– Phillips 66 (NYSE:PSX) today updated the preliminary results for the election of directors at its annual meeting of shareholders held on May 21, 2025. Based on estimates by the company’s proxy solicitor, shareholders are expected to elect two Phillips 66 nominees and two Elliott Management nominees.
    Based on the preliminary results, the elected Phillips 66 directors are expected to be Robert W. Pease and Nigel Hearne. The Elliott nominees expected to be elected are Sigmund L. Cornelius and Michael A. Heim. Phillips 66 nominees John E. Lowe and Howard Ungerleider were not elected.
    “We welcome our new directors and look forward to working constructively as a Board,” said Mark Lashier, Chairman and Chief Executive Officer of Phillips 66. “We thank all our shareholders for their engagement through this process and their careful analysis of the issues. This vote reflects a belief in our integrated strategy and a recognition that our early results do not yet reflect the full potential of our plan or the value inherent in this business. As a Board, we are focused on creating meaningful long-term value for our shareholders.”
    Lashier continued, “On behalf of the Board and Company, I would like to thank John for his service with distinction and Howard for his commitment to this process. They each deserve significant appreciation for their terrific service to the company.”
    The company also noted that, based on estimates by the company’s proxy solicitor, the management proposal to declassify the Board was not approved by shareholders. While it received significant support, it did not receive the required affirmative vote of the holders of 80% of the outstanding shares of stock entitled to vote. The Board recognizes shareholder preference for annual elections and remains committed to declassification. Shareholders overwhelmingly voted against Elliott’s proposal requiring annual director resignations, in line with the Board’s recommendation.
    The results announced today are considered preliminary until final results are tabulated and certified by the independent Inspector of Election. Final results will be reported on a Form 8-K that will be filed with the Securities and Exchange Commission.
    About Phillips 66
    Phillips 66 (NYSE: PSX) is a leading integrated downstream energy provider that manufactures, transports and markets products that drive the global economy. The company’s portfolio includes Midstream, Chemicals, Refining, Marketing and Specialties, and Renewable Fuels businesses. Headquartered in Houston, Phillips 66 has employees around the globe who are committed to safely and reliably providing energy and improving lives while pursuing a lower-carbon future. For more information, visit phillips66.com or follow @Phillips66Co on LinkedIn.
    Cautionary Statement for the Purposes of the “Safe Harbor” Provisions of the Private Securities Litigation Reform Act of 1995
    This news release contains forward-looking statements within the meaning of the federal securities laws. Words such as “anticipated,” “estimated,” “expected,” “planned,” “scheduled,” “targeted,” “believe,” “continue,” “intend,” “will,” “would,” “objective,” “goal,” “project,” “efforts,” “strategies,” “priorities” and similar expressions that convey the prospective nature of events or outcomes generally indicate forward-looking statements. However, the absence of these words does not mean that a statement is not forward-looking. Forward-looking statements included in this news release are based on management’s expectations, estimates and projections as of the date they are made. These statements are not guarantees of future events or performance, and you should not unduly rely on them as they involve certain risks, uncertainties and assumptions that are difficult to predict. Therefore, actual outcomes and results may differ materially from what is expressed or forecast in such forward-looking statements. Factors that could cause actual results or events to differ materially from those described in the forward-looking statements include: changes in governmental policies relating to NGL, crude oil, natural gas, refined petroleum or renewable fuels products pricing, regulation or taxation, including exports; the company’s ability to timely obtain or maintain permits, including those necessary for capital projects; fluctuations in NGL, crude oil, refined petroleum products, renewable fuels, renewable feedstocks and natural gas prices, and refined product, marketing and petrochemical margins; the effects of any widespread public health crisis and its negative impact on commercial activity and demand for the company’s products; changes to government policies relating to renewable fuels and greenhouse gas emissions that adversely affect programs including the renewable fuel standards program, low carbon fuel standards and tax credits for biofuels; liability resulting from pending or future litigation or other legal proceedings; liability for remedial actions, including removal and reclamation obligations under environmental regulations; unexpected changes in costs or technical requirements for constructing, modifying or operating the company’s facilities or transporting its products; the company’s ability to successfully complete, or any material delay in the completion of, any asset disposition, acquisition, shutdown or conversion that it may pursue, including receipt of any necessary regulatory approvals or permits related thereto; unexpected technological or commercial difficulties in manufacturing, refining or transporting the company’s products, including chemical products; the level and success of producers’ drilling plans and the amount and quality of production volumes around the company’s midstream assets; risks and uncertainties with respect to the actions of actual or potential competitive suppliers and transporters of refined petroleum products, renewable fuels or specialty products; changes in the cost or availability of adequate and reliable transportation for the company’s NGL, crude oil, natural gas and refined petroleum or renewable fuels products; failure to complete definitive agreements and feasibility studies for, and to complete construction of, announced and future capital projects on time or within budget; the company’s ability to comply with governmental regulations or make capital expenditures to maintain compliance; limited access to capital or significantly higher cost of capital related to the company’s credit profile or illiquidity or uncertainty in the domestic or international financial markets; damage to the company’s facilities due to accidents, weather and climate events, civil unrest, insurrections, political events, terrorism or cyberattacks; domestic and international economic and political developments including armed hostilities, such as the war in Eastern Europe, instability in the financial services and banking sector, excess inflation, expropriation of assets and changes in fiscal policy, including interest rates; international monetary conditions and exchange controls; changes in estimates or projections used to assess fair value of intangible assets, goodwill and properties, plants and equipment and/or strategic decisions or other developments with respect to the company’s asset portfolio that cause impairment charges; substantial investments required, or reduced demand for products, as a result of existing or future environmental rules and regulations, including greenhouse gas emissions reductions and reduced consumer demand for refined petroleum products; changes in tax, environmental and other laws and regulations (including alternative energy mandates) applicable to the company’s business; political and societal concerns about climate change that could result in changes to the company’s business or increase expenditures, including litigation-related expenses; the operation, financing and distribution decisions of joint ventures that the company does not control; the potential impact of activist shareholder actions or tactics; and other economic, business, competitive and/or regulatory factors affecting the company’s businesses generally as set forth in Phillips 66’s filings with the Securities and Exchange Commission. Phillips 66 is under no obligation (and expressly disclaims any such obligation) to update or alter its forward-looking statements, whether as a result of new information, future events or otherwise.

    Source: Phillips 66

    MIL OSI Economics –

  • MIL-OSI Africa: Eldest daughters often carry the heaviest burdens – insights from Madagascar

    Source: The Conversation – Africa – By Claire Ricard, Research Fellow at CERDI, Université Clermont Auvergne (UCA)

    In recent years, the term “eldest daughter syndrome” has gained traction on social media, as many firstborn daughters share how they had to grow up faster. They often took on caregiving and supportive roles in their families.

    In high-income countries, research shows that these responsibilities often bring long-term benefits. Firstborn daughters – and sons – tend to have higher educational attainment and stronger cognitive skills. They also enjoy better job prospects and salaries.

    Some studies in low- and middle-income countries have found similar positive effects of being the eldest. But others have found the opposite.

    In low-income contexts, economic constraints, cultural practices – such as the involvement of extended families in child-rearing – and inheritance norms may produce very different effects.

    Our research brings new insights by examining these dynamics in Madagascar. It is one of the world’s poorest countries. Birth order there strongly shapes the transition to adulthood, especially for firstborn children.

    Progress in understanding birth order effects in low-income countries is held back by the lack of detailed, sibling-level data. Our study used a dataset that followed individuals from the ages of 10 to 22, capturing their transition from adolescence to adulthood. It collected detailed information on education, work, health, marriage, and migration. The dataset also captured key demographic and educational details for all living full siblings of each respondent.

    We found that firstborns in Madagascar transition into adulthood earlier than their younger siblings. They are more likely to leave school early. They enter the workforce sooner and marry at younger ages. For example, fourth-born children are 1.5 percentage points less likely than firstborns to have never attended school, and 1.1 percentage points more likely to complete post-secondary education. Or, third-borns are 23% less likely to marry at age 19 than firstborns.

    Our findings suggest that later-born children benefit from greater parental investment in education. This leads to better schooling outcomes and delayed entry into the labour market.

    Birth order and the transition to adulthood

    In Madagascar, early marriage can be a way for families to ease financial pressure. This is especially true since daughters typically join their husband’s household.

    When it comes to marriage, we find that later-born children are less likely to marry early than their firstborn siblings – especially after age 17. This trend holds for both boys and girls. The difference appears earlier for girls, which aligns with their younger average age at marriage.

    Interestingly, second-born girls are not significantly less likely to marry than their older sisters. This suggests that the eldest daughter does not always bear the full brunt of early marriage risk. Firstborn daughters often take on caregiving and household roles. These responsibilities may delay their marriage slightly, as families rely on them for day-to-day support.

    What explains these birth order effects?

    We did not observe significant differences in cognitive skills (like reasoning) or non-cognitive traits (like personality) between firstborns and their younger siblings. Cognitive abilities were assessed through oral and written math and French tests administered at home. These findings contrast with evidence from wealthier countries, where firstborns often outperform their siblings in both cognitive and non-cognitive domains. This may result from greater early parental investment.

    In Madagascar, child development may rely less on direct parental input and more on interactions within the extended family. This is consistent with the concept of fihavanana, a cultural principle that emphasises solidarity and mutual support within the extended family. Rather than benefiting mostly from parental quality time, children – especially later-borns – may develop their cognitive and non-cognitive skills through broader social networks. These include relatives and older siblings.

    We also explored whether gender preferences might help explain the differences in outcomes. For instance, if later-born children were disproportionately boys, it could suggest that parents continued having children in hopes of having a son. This could lead to more resources being allocated to that later-born boy. However, our data show an even distribution of boys and girls among later-born children. This suggests that gender-based stopping rules are unlikely to explain the patterns we observe.

    Instead, our findings point to economic constraints as the main driver for firstborns transitioning into adulthood earlier than their younger siblings.

    In poorer households, particularly in rural areas, firstborn children are often asked to help out financially. This often comes at the cost of their own education. Later-born children, by contrast, receive more investment in their schooling. This may compensate for their limited access to other resources, such as land.

    We find no birth order advantage in wealthier households or among families where parents have some education. This again highlights poverty as a key factor shaping these patterns.

    The double burden of being firstborn

    To sum up, our research shows that, in Madagascar, both male and female firstborns face an earlier transition into adulthood. They leave school and enter the labour market sooner. They marry earlier, although firstborn girls may be at slightly lower risk of early marriage than their younger sisters.

    This suggests that, in poor countries, the eldest daughter syndrome is not just about emotional and care-giving responsibilities. It may also come with fewer educational opportunities, greater economic pressure, and an earlier end to childhood. A true double burden for disadvantaged girls. Economic constraints within households largely explain this pattern.

    But the story is not only one of constraint. The absence of differences in cognitive and non-cognitive skills suggests that broader community ties, rooted in fihavanana and extended kinship networks, help cushion the impact of early responsibility. These collective structures may not erase inequality, but they offer a vital source of resilience.

    As policymakers and practitioners look for ways to promote educational equity, it’s worth remembering that some of the most overlooked trade-offs happen within households. Reducing the weight of those trade-offs – through financial support, community-based programmes, or school retention efforts – could help ensure that the future of one child doesn’t come at the expense of another.

    – Eldest daughters often carry the heaviest burdens – insights from Madagascar
    – https://theconversation.com/eldest-daughters-often-carry-the-heaviest-burdens-insights-from-madagascar-255785

    MIL OSI Africa –

  • MIL-OSI USA: ICYMI: Padilla, Colleagues Highlight Consequences of Senate Republicans’ Attempt to Abuse the CRA and Revoke California’s Clean Air Act Waivers

    US Senate News:

    Source: United States Senator Alex Padilla (D-Calif.)

    ICYMI: Padilla, Colleagues Highlight Consequences of Senate Republicans’ Attempt to Abuse the CRA and Revoke California’s Clean Air Act Waivers

    WASHINGTON, D.C. — Today, U.S. Senator Alex Padilla (D-Calif.), Ranking Member of the Senate Committee on Rules and Administration and a member of the Senate Environment and Public Works Committee, highlighted the growing opposition to Republicans’ shortsighted attempts to rescind California’s clean air waivers by going nuclear on the rules and overruling the nonpartisan Senate Parliamentarian’s decision. Senator Padilla, U.S. Senate Democratic Leader Chuck Schumer (D-N.Y.), and U.S. Senator Sheldon Whitehouse (D-R.I.), Ranking Member of the Senate Committee on Environment and Public Works, held the floor yesterday after Majority Leader John Thune (R-S.D.) said that he would move forward this week with a cynical attempt to rescind California’s Clean Air Act waivers with a 50-vote threshold under the Congressional Review Act (CRA), bypassing the filibuster and its 60-vote requirement by overruling the Senate Parliamentarian.

    Senators Padilla, Schumer, Whitehouse, Martin Heinrich (D-N.M.), Ron Wyden (D-Ore.), Adam Schiff (D-Calif.), and Edward J. Markey (D-Mass.) all came out strongly against this reckless effort.

    In a joint statement, Padilla, Schumer, and Whitehouse condemned the attacks on California’s Clean Air Act waivers:

    Padilla, Schumer, Whitehouse Joint Statement Warning Senate Republicans Against Overruling Parliamentarian On Clean Air Act Waivers

    “Let us be abundantly clear: if Republicans throw away the rulebook and overrule the Parliamentarian, that would be going nuclear — plain and simple. This move will harm public health and deteriorate air quality for millions of children and people across the country.  

    “Republicans are overruling a thirty-year tradition of state policies that bolstered a new sector of the economy, helped domestic automakers fend off China’s manufacturing dominance, improved the quality of the air we breathe, reduced planet-warming carbon pollution, and protected the health of American families.  Instead of negotiating changes with the states involved, the fossil fuel industry deployed its political operatives in Congress to go nuclear for them.

    “If the Trump Administration’s scheme to weaponize the CRA goes forward, the executive branch will control the Senate Floor. Senate Republicans are doing an about face on the filibuster — throwing it aside the first moment it’s convenient and the Senate Floor will not be the same.”

    Last night, Padilla, Schumer, and Whitehouse took to the Senate Floor to ask a series of parliamentary inquiries on Senate Republicans’ intention to go nuclear on the California waiver CRAs. Senate Democrats confirmed — on the congressional record — that the Republicans’ plan to move forward would be against the Parliamentarian’s guidance, and thus, the very definition of eliminating the filibuster and going nuclear. The Senators’ remarks and the Presiding Officer’s responses on behalf of the Senate Parliamentarian can be viewed here, and a transcript of the remarks is available here. 

    Senator Martin Heinrich, Ranking Member of the Senate Energy and Natural Resources Committee, issued a statement emphasizing that once Republicans embrace this significant reversal of precedent and attempt to overturn California’s Clean Air Act waivers, a future Democratic Administration could try to reverse Republicans’ oil and gas priorities, including liquified natural gas (LNG) export terminals.

    Heinrich Statement Blasting Senate Republicans’ Plans to Defy the Senate Parliamentarian & Force a Vote to Overturn California’s Clean Energy Air Act Waivers

    “If Senate Republicans force a vote on the California Clean Air Act Waivers, they set a precedent that will allow Congress to overturn nearly any agency decision nationwide. I urge my colleagues to reject this gross overreach. If they don’t, Congressional Review Act resolutions will quickly hijack the Senate floor to retroactively invalidate agency permits, adjudications, and licensing decisions – actions that were never previously considered ‘rules.’

    “We need a reliable energy permitting and approval system if we are going to meet our growing energy needs. But under Republicans’ proposal, Congress could invalidate permits for new oil and gas wells, established rights of way for transmission lines, and approvals of new LNG export terminals. That includes the Department of Energy’s recent approval of Commonwealth LNG’s application to export liquified natural gas. If not challenged immediately, a future administration could also submit Commonwealth’s authorization as a rule retroactively and halt the project years after it has begun construction.

    “By opening this door, Republicans threaten to destroy our permitting and regulatory system, leading to higher energy costs for Americans and making it impossible for new developments to come online. Indeed, nearly every major and minor project the federal government touches could be stalled, creating significant uncertainty if not complete chaos. That is not what the American people want, and it cannot be what Senate Republicans want, either.”

    Senator Wyden, Ranking Member of the Senate Finance Committee, warned Republicans against overruling the Senate Parliamentarian and abusing the Congressional Review Act to meddle with California’s clean air policies. He said the Republican plan would backfire if they follow through.

    Wyden Warns Republicans that Overruling Parliamentarian to Nix California Clean Air Waiver Will Backfire

    “Republicans should think twice before moving ahead with this unprecedented overreach. If they invoke this nuclear option now, they should expect that a future Democratic government will have to revisit decades worth of paltry corporate settlements, deferred prosecution agreements, and tax rulings that were overly favorable to multinationals and ultra-wealthy individuals. That would only be the beginning. These partisan actions cut both ways.”

    Senator Schiff delivered remarks on the Senate floor urging Senate Republicans to consider the implications their decision to throw out the Senate Parliamentarian’s ruling will have on their states if they use the CRA against California’s waivers. 

    WATCH: Sen. Schiff Slams Senate Republicans’ Attempts to Go Nuclear on California’s Clean Air Waivers on the Senate Floor

    “I urge my colleagues, and the American people, not be distracted by suggestions that nothing is going on here, nothing new is going on here, no precedent is being set here. Because it is.”

    “This week’s vote is short-sighted because it’s going to have devastating impacts for our nation’s health, but it’s more than that. And it should send a chill down the spine of legislators in every state and communities across the country, regardless of their political affiliation because the Senate is now setting a new standard, and one that will haunt us in the future. And it will haunt those states whose Senators vote to go down this path. Make no mistake. Today, it is California and our ability to set our own air quality standards. 

    “But tomorrow, it can be your own state’s priorities made into a target by this vote to open the Pandora’s Box of the Congressional Review Act.”

    Senator Markey criticized Republicans’ attempt to change the Senate rules to overturn California’s waivers, both because it reverses California’s clean air progress and because it violates longstanding Senate rules.

    As Senate Republicans Consider Procedural Power Grab, Markey Highlights Seriousness of the Moment

    “At a moment when Donald Trump is actively undermining the checks and balances enshrined in our Constitution, Senate Republicans are moving ahead with a dangerous change to Senate rules while rolling back clean air regulations. 

    “It’s not enough for Republicans to promote chaos and conflict in our economy for the sake of billionaires, they now want to create chaos and conflict in Congress by intentionally trashing guardrails and decisions that protect all members. They don’t care about the rule of law, and they don’t seem to care about the rule of Congress. With this action, Senate Republicans are opening the door for future votes on the countless unlawful and unethical actions carried out by the Trump administration. There will be no putting the genie back in the bottle.”

    Senator Padilla has been outspoken in pushing back against Republican attacks on California’s Clean Air Act waivers. Yesterday, Padilla placed a hold on the four pending EPA nominees until Republicans stop their reckless attempts to overrule the Senate Parliamentarian. Earlier this month, Senators Padilla, Schiff, and Whitehouse took to the Senate floor to sound the alarm on Senate Republicans’ consideration of moving forward with their plan to revoke California’s Clean Air Act waivers. Padilla, Whitehouse, and Schumer also led Democratic Ranking Members in strongly warning Majority Leader Thune and Majority Whip John Barrasso (R-Wyo.) of the dangerous and irreparable consequences if Senate Republicans overrule the Senate Parliamentarian’s decision on California’s waivers.

    Last month, Senators Padilla, Whitehouse, and Schiff welcomed the Senate Parliamentarian’s decision that the waivers are not subject to the CRA. Padilla also joined Whitehouse and Schiff in blasting Trump and EPA Administrator Lee Zeldin’s weaponization of the EPA after the Government Accountability Office’s (GAO) similar finding. Padilla and Schiff previously slammed the Trump Administration’s intent to roll back dozens of the EPA’s regulations that protect California’s air and water.

    MIL OSI USA News –

  • MIL-OSI USA: Grassley, Klobuchar Lead Bipartisan Resolution Calling for Return of Kidnapped Ukrainian Children

    US Senate News:

    Source: United States Senator for Minnesota Amy Klobuchar

    WASHINGTON – Senators Amy Klobuchar (D-MN) and Chuck Grassley (R-IA) led a bipartisan group of senators in introducing a resolution calling for the return of abducted Ukrainian children before finalizing any peace agreement to end Russia’s brutal invasion of Ukraine. 

    The resolution condemns Russia’s abduction and forcible transfer of Ukrainian children and notes Russia’s invasion has increasingly exposed children to human trafficking and exploitation, child labor, sexual violence, hunger, injury, trauma and death. 

    “The mass kidnapping of Ukrainian children by Russia is an atrocity,” said Klobuchar. “We cannot accept a world where children are abducted during wartime and used as a form of hostage-taking for negotiations. These children must be returned unconditionally before any peace deal is finalized.”

    “Putin’s inhumane and unprovoked attack on Ukraine started the largest war in Europe since World War II. He has kidnapped thousands of children to brainwash and Russify them in an attempt to destroy their cultural identity and heritage. The United States ought to demand these children are returned before inking a deal to end the war in Ukraine,” Grassley said. 

    Additional cosponsors of the resolution include Senators Joni Ernst (R-IA), Dick Durbin (D-IL), and John Fetterman (D-PA), Roger Wicker (R-MS) and Rick Scott (R-FL). You can find the full text of the resolution here.

    This resolution follows a bipartisan letter sent in March, led by Senators Klobuchar, Grassley and Durbin, calling for the State Department to continue supporting efforts to investigate Russia’s abduction and deportation of Ukrainian children.

    To date, Ukrainian authorities have received at least 19,546 confirmed reports of unlawful deportations and forced transfers of Ukrainian children to Russia, Belarus or Russian-occupied Ukrainian territory. The abductions aim to erase the children’s Ukrainian names, language and identity. As of April 16, Ukraine and its partners have only managed to return 1,274 abducted children. 

    The State Department’s 2024 Trafficking in Persons Report found Russia recruits or uses child soldiers, has a state-sponsored policy or pattern of human trafficking and is among the worst hubs for human trafficking in the world. 

    MIL OSI USA News –

  • MIL-OSI United Kingdom: Greens welcome apparent U-turn from government on winter fuel payments

    Source: Green Party of England and Wales

    / by Green Party

    Reacting to comments in the Commons today in which Keir Starmer said he wanted to ensure more pensioners are eligible for winter fuel payments, Sian Berry MP said:

    “The Prime Minister’s statement shows just how much pressure he is now under, from the public, Greens and others in opposition, and many Labour MPs, to demonstrate he has at least some understanding that his Government’s cuts are hurting people.

    “To truly right these many wrongs, the Chancellor must try harder, and use her upcoming fiscal decisions to tax extreme wealth fairly. This could not only restore payments in full to the millions of pensioners Labour has betrayed, but also enable her to reconsider other cruel political choices, including £5 billion in cuts to welfare and her refusal to cancel the two-child benefit cap.

    “Together, these u-turns would save hundreds of thousands from being pushed into poverty, and Greens will be making the case for this alongside everyone affected until this Government does the right thing.”

    MIL OSI United Kingdom –

  • MIL-OSI United Kingdom: Next generation farming

    Source: Scottish Government

    Support for young people into agricultural careers.

    More than £2 million will be available to support young people entering farming through a pre-apprenticeship programme and training fund.

    Speaking at a joint NFU Scotland and Scottish Government summit on new entrants, Agriculture Minister Jim Fairlie launched a newly procured Land Based Pre-apprenticeship Programme with £1.8 million committed over three years. 

    Mr Fairlie also confirmed the relaunch and procurement of the Next Generation Practical Training Fund.  The fund is open from now until March 2027 with at least £300,000 a year to help young people access skills training in a flexible, individual way. 

    Mr Fairlie said:

    “I know from my own experience the hard work and dedication that it takes to enter the industry as a new entrant farmer and the challenges young people can face. These two funds will help more people get practical training to launch their agriculture careers.

    “The pre-apprenticeship programme has been expanded to take on close to 400 people and to date we have had more than 60 applications for the training fund. This is a really promising start and is a positive step towards improving safety on-farm and training up the depleted post-Brexit labour force.”

     

    Duncan Macalister, Vice President, NFU Scotland, said:

    “We welcome this vital investment in practical training and pre-apprenticeship opportunities. These programmes are not just about developing skills, they are about securing the future of Scottish agriculture.

    “We urgently need action on land access and capital support to complement this step forward, so that young people can see a clear, supported path into the sector.”

    Lantra Scotland Director Dr Liz Barron-Majerik said:

    “Lantra works to enhance Scotland’s natural environment and support the rural economy, by increasing the number and diversity of employees in Scotland’s land-based and aquaculture sector and driving their skills development. The training fund and the pre-apprenticeship programme are both of great benefit to new entrants to agriculture as they start on their career path, and so I’m delighted that we’re going to be managing them on behalf of, and in partnership with, FONE and the Scottish Government.

    “We look forward to working with our training provider partners on the delivery of the training funds, and the Scottish Machinery Rings, SRUC and Borders College on the pre-apprenticeship. We would also like to encourage others who are interested in becoming involved to please get in touch via scotland@lantra.co.uk.”

    MIL OSI United Kingdom –

  • MIL-OSI United Kingdom: Westminster to introduce Selective Licensing Scheme to improve private sector housing standards | Westminster City Council

    Source: City of Westminster

    Westminster City Council has announced the implementation of a new Selective Licensing Scheme for privately rented homes, reaffirming its commitment to raising housing standards and creating a fairer, safer rental environment for residents across the city.

    The new scheme, set to cover 15 of the city’s 18 wards, will apply to all privately rented properties excluding Houses in Multiple Occupation (HMOs) that are already covered under existing mandatory and additional licensing schemes. This decisive move is aimed at tackling poor housing conditions and reducing anti-social behaviour by targeting rogue landlords and bringing substandard properties up to acceptable living standards.

    Westminster City Council undertook a thorough statutory consultation process before approving the scheme. The council commissioned Cadence Innova, an independent consultancy with expertise in public sector engagement, to carry out an extensive series of consultation activities. These included outreach with landlords, tenants, residents, and other key stakeholders. Cadence Innova has independently reviewed and reported on the responses and findings from the consultation.

    The decision to proceed with the scheme follows careful consideration of the consultation results and a detailed evidence base, highlighting the need for intervention in areas where housing conditions and anti-social behaviour remain problematic.

    Councillor Matt Noble, Cabinet Member for Regeneration and Renters, said:

    “The Selective Licensing Scheme is about supporting responsible landlords and ensuring that every resident in Westminster has access to safe, secure, and well-maintained housing. We’re focused on improving living conditions, not only to protect tenants but also to support landlords who do the right thing.”

    Once the decision becomes effective, the council will formally designate the selective licensing areas. Full details, including the scheme’s start date and guidance on when and how landlords can apply for licences, will be published in due course. 

    Notes to Editors:

    • The Scheme will be rolled out over two ‘designations’.
    • Designation 1 consists of eight wards experiencing high levels of poor housing conditions – Abbey Road, Church Street, Harrow Road, Knightsbridge and Belgravia, Little Venice, Maida Vale, Queen’s Park and Westbourne.
    • Designation 2 consists of seven wards experiencing both high levels of poor housing conditions and significant and persistent problems caused by anti-social behaviour  – Bayswater, Hyde Park, Lancaster Gate, Marylebone, Pimlico North, Regent’s Park and West End.
    • The Selective Licensing Scheme excludes properties already licensed under Westminster’s existing HMO schemes. Other exemptions also apply, including properties managed by Registered Providers of Social Housing.
    • The scheme is part of Westminster’s broader Private Rented Sector Strategy.
    • Licensing will enable the council to require landlords to meet basic housing standards, with enforcement powers for non-compliance.
    • Incentives will apply to landlords of well managed properties including fee discounts for accredited landlords and for the most energy efficient properties.

    For more information contact mediateam@westminster.gov.uk

    MIL OSI United Kingdom –