united states – Potere Fotografico http://poterefotografico.com/ Sat, 26 Mar 2022 16:26:21 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://poterefotografico.com/wp-content/uploads/2021/10/icon-28.png united states – Potere Fotografico http://poterefotografico.com/ 32 32 FCPS Student Artists Recognized at the 2022 Regional School Art Awards | Culture & Leisure https://poterefotografico.com/fcps-student-artists-recognized-at-the-2022-regional-school-art-awards-culture-leisure/ Fri, 11 Mar 2022 05:00:00 +0000 https://poterefotografico.com/fcps-student-artists-recognized-at-the-2022-regional-school-art-awards-culture-leisure/ Courtesy picture FAirfax County Public Schools (FCPS) students in grades 7-12 received a total of 497 awards for outstanding artwork, including 160 Gold Key awards, 160 Silver Key awards and 177 commendation awards honorable of the 2022 Regional Scholastic Art Awards program. Four works by FCPS students have been nominated for the American Visions Award. […]]]>









FAirfax County Public Schools (FCPS) students in grades 7-12 received a total of 497 awards for outstanding artwork, including 160 Gold Key awards, 160 Silver Key awards and 177 commendation awards honorable of the 2022 Regional Scholastic Art Awards program.

Four works by FCPS students have been nominated for the American Visions Award. Works were submitted and judged in categories such as drawing, painting, printmaking, photography, ceramics, sculpture, digital art, design, architecture, jewelry, fashion, film and animation, mixed media and portfolios.







Liu _E_I_14367390.png










Smith_K_P_14367355_14364361.jpg




The Golden Key and Silver Key artwork is on display at the Ernst Community Cultural Center at Northern Virginia Community College in Annandale through March 24. For more information about the exhibition, visit https://bit.ly/3tzYhVT.

Gold Key winning entries will be judged nationally against other Gold Key entries from regions across the country. National awards include gold and silver medals as well as monetary awards and scholarships. National awards will be announced on March 23, and an exhibition of national winners’ work will be shown in New York later this year.







Wan_A_P_14360623_14354587.jpg




The Scholastic Art Awards program, presented by the Alliance for Young Artists and Writers, is the largest and oldest recognition program of its kind in the United States. Established in 1923, the awards honored teenagers who went on to become some of our country’s most famous artists, including Richard Avedon, Robert Indiana, Phillip Pearlstein and Andy Warhol.







Yao_X_I_14348361_2.jpeg




A complete list of FCPS winners is available at https://bit.ly/3w2RfMv.

]]>
Banksy’s dilemma: intellectual property or art? https://poterefotografico.com/banksys-dilemma-intellectual-property-or-art/ Sat, 05 Mar 2022 17:15:19 +0000 https://poterefotografico.com/banksys-dilemma-intellectual-property-or-art/ “This secret identity is proving to be a costly affair for Banksy, as more and more cancellation requests are filed against his trademarks, also risking any future registrations, and copyright protection poses a challenge to his personality. artistic.” LOS ANGELES, USA – OCTOBER 17: Banksy graffiti on a wall on October 17, 2011 in Los […]]]>

“This secret identity is proving to be a costly affair for Banksy, as more and more cancellation requests are filed against his trademarks, also risking any future registrations, and copyright protection poses a challenge to his personality. artistic.”

LOS ANGELES, USA – OCTOBER 17: Banksy graffiti on a wall on October 17, 2011 in Los Angeles.

The struggles most artists endure include creative blockages and economic hardship; however, British artist Banksy seems unaffected by either. His street art is celebrated worldwide for its anti-authoritarian tone and highly secretive personal identity. Recently, he even ventured into Non-fungible tokens.

But unwittingly, and rather humorously, Banksy faces a different kind of dilemma in terms of revealing his openly confidential identity or losing exclusive rights to his works. This scenario presents a case study to explore the overlap of intellectual property rights (in the case of Banksy, copyright and trademark law) and the legality of graffiti art. It also sheds light on the rules surrounding invalidity and revocation of a registered trademark in the European Union (EU).

Banksy fever

Banksy is not just an artist; it looks more like a statement, and sometimes also like a verb. He made a documentary, “Exit through the Gift Shop”, in 2010 to shed some light behind the scenes of drawing on a wall in public view without permission. This type of street art is generally characterized as graffiti art. The documentary was nominated for an Oscar. This is the power of Banksy. His work can be identified almost instantly when spotted on any street corner in the world. He is truly a cosmopolitan artist, Reading for Palestineeven her shredded job gets auctioned off for millions. And the the authorities cannot deny this fever That is. They trust Banksy’s art and fame to boost tourism and have checks and balances in place to maintain the sanctity of his temple (illegal work often stencilled). Moreover, the identity of the man is as clandestine as the question of Google’s algorithm. While there is some guessesit is generally believed that only certain people who work in the Bureau of Pest Control Limitedthe company dedicated to authenticating all things Banksy, can confirm his true identity.

In light of his fame, one wonders how an artist with what is likely a sizable legal team ends up losing control of at least six of its brands in just two years.

Protect… or not?

An artist has an indisputable link with his creation and it is natural to seek protection against its unauthorized use. Banksy, however, is a harsh critic of any traditional IP protection, because he believes in creating art for all and always kept (or at least try) its estrangement from commercial production and art galleries. A quick view of the Pest Control website reveals that it is open to the non-commercial use of any of its creative works by any of its admirers. But as he witnessed an increase in the commercial use of his work in galleries, auction houses and on merchandise such as t-shirts, mugs, bags and stationery, he’s seemingly come to terms with the fact that in order to keep his work accessible to everyone, he needs to knock on the doors of property offices intellectual in the world. Thus, as early as 2014, he resorted to filing trademark applications, and as of January 1, 2022, there were 18 trademark applications (including six canceled registrations) filed by Pest Control on behalf of Banksy in the EU.

However, Banksy’s priority of protecting his identity is causing him problems. On cancellation requests filed by greeting card company Full Color Black Limited (FCB), which sells Banksy art on its cards, the European Union Intellectual Property Office (EUIPO), Division cancellation, determined two more of his most famous works (Love is in the air/flower thrower and the monkey) to be invalid marks. During both hearings, FCB’s main argument was that Banksy had time and again made statements, either himself or through his representatives, pointing out the use of his trademarks solely for the purpose of avoid cancellation. He even created his own shop, Gross Domestic Product (GDP)in October 2019 to sell goods according to the classes (mainly 9, 16, 25, 28 and 41) in which its marks are registered.

Some say the ghost of his most famous statement “Copyright is for losers”, written in his book, “Wall and Piece”, has made a comeback, as his trademark registrations in the EU appear to be a ruse to circumvent copyright law and instead indefinite trademark protection and faster registration in countries like the United States and Australia.

To avoid confusion, the EUIPO had to clarify that making derogatory statements about a particular law was not the reason for the series of cancellations. These are the statements made publicly by him and his legal team addressing his GDP store as the “least poetic reason to make art” and solely to fulfill trademark obligations. These declarations, added to the fact that he only started to use the marks concerned a few months before the filing of the applications for cancellation, caused him to lose the battle. What hurt him the most was the open admission of this guilt in various newspaper articles and on his website.

The only option available to him at this point is to claim copyright protection, but no infringement claim can be made without disclosing his identity. His situation is unique, as he already struggles to claim copyright protection for his works due to the nature of graffiti art. For copyright protection, even under the Pest Control name, the company should disclose that ownership of the work has been transferred from the original author (i.e. Banksy) to the company. And in doing so, Banksy’s identity would be compromised, not only to maintain the enigma around his personality, but also to protect himself from possible prison time. While as an artist he is celebrated and applauded, graffiti art is not always. In many places it is still very illegal. His unknown identity plays the dual role of creating hype around his personality and protecting him from any legal action.

Invalidation vs Revocation

All of the cancellation claims against Banksy’s trademarks have been argued on similar grounds. The grounds for cancellation may be based either on invalidation for bad faith when filing the applications, or on revocation for non-use within a continuous period of five years. Under the European Trademark Regulation, Section 58 and Section 59 provide grounds for revocation and invalidation respectively.

FCB pressed for bad faith registration under section 59 instead of non-use under Section 58. Pest Control had a low probability of obtaining a favorable result under Section 58 because it had “actually” started using some (not all) of its marks for their associated products or services reasonably prior to cancellation. application was filed by FCB. The rule is that if the plaintiff had actually started using the mark three months before the cancellation request, the cancellation action will be dismissed as unfounded.

But EUIPO rejected this argument and assessed the plaintiff’s intention at the time of filing the application, coupled with Article 7(1)(b) and Article 7(1)(c), which provide absolute grounds for invalidation when the mark is devoid of any distinctive character. Banksy’s works are distinct as art on a wall, but as a mark on any merchandise under trademark law, Banksy can hardly distinguish GDP’s products from any store in the metro station of New York proudly displaying Banksy’s art on a water bottle. FCB argued that the use of Banksy’s work on their products was only ornamental and far from trademark. And because Banksy had given an open license to everyone to use his work for non-commercial purposes, he was already in many ways losing control of the distinctive element of a trademark.

The cancellations mainly focused on an assessment of Banksy’s intention to use the marks at the time of filing. The EUIPO had the burden of defining the term “bad faith”. In general, any Applicant who submits an application for ownership of a mark, in under this request itself, is confident that it will use the mark in good faith in the future. It is true that, unlike in the US, the element “proposed for use” is not scrutinized so critically in the EU. European trademark law does not impose a strict obligation on the applicant, at the time of filing the application, to prove his intentions to use the mark in the future. But, if after a continuous period of five years of registration, the mark has not been the subject of serious use without valid reason, or without the intention of maintaining healthy competition on the market, it is presumed have been filed in bad faith.

The secret problem

Graffiti was once the black sheep of the public art family (partly because no one claimed it). But many street artists now realize the responsibility to declare ownership, even though in most places graffiti is still considered vandalism, punishable by law. Banksy accepts or rejects ownership street art around the world that resembles his signature style (mostly through Pest Control), but to continue doing what he does he must maintain a confidential identity. And many artists have followed suit.

This secret identity is proving to be a costly affair for Banksy, as more and more cancellation requests are filed against his trademarks, also risking any future registrations, and copyright protection poses a challenge to his artistic personality. . Although he is reapplying and appealing for some of the canceled marks, there will be a lot of cat-and-mouse hunting going forward. The impact of these cancellations will be felt on its candidacies all over the world. But what choice does an artist like this have? In terms of the law, not much.

The decision of the EUIPO is to be expected and sets precedent for any artist who wishes to obtain perpetual protection for his works by trademark law; Banksy should be treated no differently. Most works filed on the basis of a “proposed use” are often not reviewed for bad faith at all. This decision will have a deterrent effect on them. On a personal note, however, and as an admirer of his work, I think he (and many like him) deserves at least some basic protection. But the IP options are really limited for such a unique artist.

Image Source: Depot Photos
Photograph ID: 38245251
Copyright: alex

]]>
🌱 Monument Circle Rally for Ukraine + Books for Riley Hospital https://poterefotografico.com/%f0%9f%8c%b1-monument-circle-rally-for-ukraine-books-for-riley-hospital/ Sun, 27 Feb 2022 22:29:04 +0000 https://poterefotografico.com/%f0%9f%8c%b1-monument-circle-rally-for-ukraine-books-for-riley-hospital/ Hello again, Indianapolis! Important Update: All of you as readers have made the Indianapolis Daily such a success that I am honored to announce the next phase of the newsletter. The fix is looking for a local writer and entrepreneur to lead the Indianapolis Daily. While I enjoyed getting to know this community, we want […]]]>

Hello again, Indianapolis! Important Update: All of you as readers have made the Indianapolis Daily such a success that I am honored to announce the next phase of the newsletter. The fix is looking for a local writer and entrepreneur to lead the Indianapolis Daily. While I enjoyed getting to know this community, we want to pass the torch to someone truly local to write about Indianapolis for the long term. So if you want to earn some extra income while making this newsletter a more valuable resource for your neighbors, Learn more and apply here.


First, today’s weather forecast:

Sunshine. High: 49 Low: 33.


Here are the top three stories from today in Indianapolis:

  1. On Saturday afternoon, around 200 supporters gathered at Monument Circle to show their support for the people of Ukraine. Many attendees were former Ukrainian residents who now live in Indiana, and many communicate with relatives overseas. A special prayer service for peace in Ukraine also took place yesterday morning at the Byzantine Church of St. Athanasius. (WISHTV.com)
  2. Students at Victory College Prep in Indianapolis recently donated a series of books to patients at a special club at Riley Hospital for Children. Members of the hospital’s Sickle Cell Story Book Club received books written by black authors, featuring black and brown characters. In the United States, sickle cell disease is more common in black and brown families.(WISHTV.com)
  3. According to the Indianapolis Metropolitan Police Department, two people were shot inside the city’s Jewish Community Center (JCC) on February 26.; both victims are in stable condition. IMPD does not believe the shooting was religiously motivated or associated with a hate crime, saying it was likely “related to a disturbance possibly related to a basketball game.” However, due to the location of the incident, the cause will be investigated. (LEX18 Lexington KY News)

From our sponsor:

Today Indianapolis Daily is brought to you in part by newrez, one of the nation’s leading mortgage lenders. Make a smart move for your future and refinance with Newrez today. Call 844-979-1707 to get in touch with a Newrez Loan Officer. Newrez, LLC (NMLS #3013)f197


Today in Indianapolis:

  • Learn how to lower your risk of heart disease during American Heart Month – GoodRx (9:00 p.m.)

From my notebook:

  • The Minority Police Officer’s Association, alongside executives from the National Organization of Black Law Enforcement, recently hosted a breakfast highlighting WISP officers. (WTHR)
  • Indianapolis seeks to capitalize on the last remaining sites of the Central State campus, which for more than a century has served those struggling with mental illness. Find out how the developers plan to revitalize the space. (Fox 59)
  • Calling all sports fans: Check out the full roundup of Indianapolis High School Games for the coming week. (Indianapolis Coin)

More from our sponsors – please support the local news!

Featured companies:

Events:


Do you like the Indianapolis Daily? Here are all the ways you can get more involved:

  • Send this link to a friend or neighbor so they can subscribe
  • Get your local business listed in front of readers

You’re all caught up for today! See you soon.

Miranda Fraraccio

About me: Miranda Fraraccio was born and raised in Rhode Island and now lives in New York. She works as a writer for content creation agency Lightning Media Partners and is a graduate of the University of Rhode Island, where she earned a degree in writing, speaking, and communications. In her spare time, you can find her traveling, drinking tea, or photographing her neighborhood as a street photographer.

]]>
41st Western Spirit Art Show Pushes Contemporary Western Art in the Right Direction | Characteristics https://poterefotografico.com/41st-western-spirit-art-show-pushes-contemporary-western-art-in-the-right-direction-characteristics/ Sun, 27 Feb 2022 12:00:00 +0000 https://poterefotografico.com/41st-western-spirit-art-show-pushes-contemporary-western-art-in-the-right-direction-characteristics/ The country united states of americaUS Virgin IslandsU.S. Minor Outlying IslandsCanadaMexico, United Mexican StatesBahamas, Commonwealth ofCuba, Republic ofDominican RepublicHaiti, Republic ofJamaicaAfghanistanAlbania, People’s Socialist Republic ofAlgeria, People’s Democratic Republic ofAmerican SamoaAndorra, Principality ofAngola, Republic ofAnguillaAntarctica (the territory south of 60 degrees S)Antigua and BarbudaArgentina, Argentine RepublicArmeniaArubaAustralia, Commonwealth ofAustria, Republic ofAzerbaijan, Republic ofBahrain, Kingdom ofBangladesh, People’s Republic […]]]>

]]>
What is a payday loan? https://poterefotografico.com/what-is-a-payday-loan/ Fri, 25 Feb 2022 22:26:00 +0000 https://poterefotografico.com/what-is-a-payday-loan/ What is a payday loan? payday loans are generally short-term unsecured loans characterized by high interest rates that generally do not require a credit check. Although there is no exact and universal definition of the term, the US Consumer Financial Protection Bureau indicates that this type of loan is usually $500 or less and is […]]]>

payday loans are generally short-term unsecured loans characterized by high interest rates that generally do not require a credit check.

Although there is no exact and universal definition of the term, the US Consumer Financial Protection Bureau indicates that this type of loan is usually $500 or less and is usually due on the borrower’s next payday. States have different laws governing these types of fast loans, but they may be available to Americans through in-store payday lenders or in line, depending on location. The due date on payday loans is generally two to four weeks from the date of issuance, and lenders generally do not consider borrowers’ credit scores or their ability to meet other financial obligations when approving the loan.

Compare offers

Compare offers

Disclosure of advertisements

To secure a payday loan, payday lenders often require a personal check from the borrower for the loan amount, plus interest and fees, for a future deposit. They often require direct access to the borrower’s bank account.

Payday lenders hold the personal check until the borrower receives their next paycheck, direct deposit or social Security Payment. Depending on the terms of the loan and the laws of the state in question, some payday lenders offer long-term repayment plans that allow them to make multiple electronic withdrawals from the borrower’s bank account.

The average term for payday loans is about two weeks, and loans typically range between $50 and $1,000. In exchange for quick loans that don’t require a credit check, payday borrowers typically pay exorbitant interest rates and fees on their loans. Payday lenders often charge annual percentage ratesor APR, of 400% or more on their loans, plus finance charges of between $10 and $30 for every $100 borrowed.

The only requirements to qualify for most payday loans are an opening Bank account relatively good standing, a regular income and a source of identification.

Because little consideration is given to the financial condition or creditworthiness of borrowers, the CFPB has found that payday loans have a high default rate of around 20%. Additionally, approximately 80% of payday borrowers renew or re-borrow their loans within 30 days of their initial loan.

Qualified state borrowers can apply for a payday loan online from companies such as MoneyMutual, CashUSA.com, and BillsHappen. Many payday lenders also have thousands of physical stores in the United States.

In times of financial emergency or life or death situation, payday loans may be one of the only places Americans have bad credit can turn to temporary financial assistance. However, due to widespread deception and predatory behavior in the payday loan industry, the CFPB, Federal Trade Commission, and other federal and state regulators have repeatedly warned Americans of the dangers of payday lending. payday and imposed restrictions on the activities of payday lenders.

A 2016 five-year study by Pew Charitable Trusts found that 12 million Americans take out payday loans each year, and those borrowers collectively pay $9 billion a year in loan fees alone.

  • Speed. Payday loans are fast, and lenders often approve the same or next day.
  • Ease of use. It’s usually easy to get approved for a payday loan as long as the applicant has a stable source of income, a bank account in good standing, and proper identification. Borrowers can even get payday loan approval online. While some critics say payday loans are inherently predatory, there are laws in place to protect the rights of borrowers.
  • Availablity. Depending on the situation, payday loans may be one of the only viable sources of emergency cash for borrowers with bad credit.

  • High cost. Payday loans can come with annual interest rates of 400% or more, and finance charges can be 15% to 30% of the loan amount. These high interest rates stand out even more compared to the national average of around 16.17% credit card interest rate or the average interest rate of 4.25% over 30 years mortgage end of February 2022.
  • Debt cycle. Due to interest and fees, a payday loan can easily force the borrower to put off the majority of their next paycheck, creating an opportunity for borrowers to fall into a cycle of repeat loans.
  • Harassment. Payday lenders have a reputation for exploiting financially vulnerable borrowers and using aggressive and harassing collection practices.

]]>
$4000 Bad Credit Loans https://poterefotografico.com/4000-bad-credit-loans/ Fri, 25 Feb 2022 12:15:00 +0000 https://poterefotografico.com/1-under-the-radar-growth-stock-to-buy-and-hold/ How to Get a 4000 Dollar Cash Loan with Bad Credit Do you require a urgent cash for 4000 dollars but don’t know what you need to do because your credit score is not in good shape? Do not worry about it because you are still able to get the loan you need even though your […]]]>

How to Get a 4000 Dollar Cash Loan with Bad Credit

Do you require a urgent cash for 4000 dollars but don’t know what you need to do because your credit score is not in good shape? Do not worry about it because you are still able to get the loan you need even though your financial, order Guaranteed Approval online.

There are still banks which do not just check your financial status but also your ability to pay. Credit companies permit you to obtain an loan if they meet their requirements. Even having a poor credit score, there’s an increased chance you could qualify for the urgent personal loan.

If you are interested in knowing the ways to avail these loans, go on to learn more. You will learn the following details:

1. What happens when you take out a loan from the moment you make an inquiry to receiving the cash?

2. What are some helpful suggestions for getting your loan approved?

3. What are the benefits and disadvantages of obtaining loans with poor credit when compared to conventional loans?

4. What are the most frequently-asked questions that other people ask when they are thinking about getting a loan?

What is the way in which the entire process functions?

The loan application process allows you to pay for the urgent needs of an emergency surgery or medical issue, or you require extra funds to pay for your sister’s wedding or perhaps you require funds to fund an emergency trip. Whatever your financial situation is, the funds to pay for a loan of 4000 dollars will assist in the urgent requirements.

Inquiring about personal loans isn’t as difficult or complicated as it might appear to be. Actually the whole procedure is quite easy, and the entire transaction are processed online. There is no need to go to the bank, but you must provide all the required documents and then head to the branch to pick up the check.

All you need to do is complete the online inquiry form. Your inquiry will then be forwarded to our extensive network of lenders. The amount of loan can vary from $100-$5000 (the exact amount will depend on the state of residence as well as the loan program offered from the lending institution).

The majority of clients receive an answer on that same day, or the next day. Many even receive their reply within a matter of minutes. Once you have received a loan approval and being redirected to one of our reputable lender’s websites. After that, you will be provided with an agreement detailing the terms and conditions of their loan.

Be sure to take the time to read through the document thoroughly, to be aware of the penalties as well as fees, rates, as well as other important details. If there are conditions that you don’t fully comprehend, it’s ideal to call the lender and ask for clarification of the terms and conditions. However, if the terms and conditions are in agreement with you, then your application will be processed and the lender will deposit the funds into an account on your account at the banks. It usually takes 24 hours or the next day for the procedure.

What are the criteria for the process of applying for the loan?

When you apply for an loan, you must:

* You must be employed for a minimum of 90 days at the current job

* You must be a permanent resident of the United States or US citizen

* Must be at the age of 18 or older.

* Earn $1000 every month , after deducting taxes

* You should have a checking account (should be in your name)

* Provide a valid telephone number both at home and at work.

* Enter a valid email Address

What are the reasons to apply for a personal Loan?

Applying for a loan online not as complicated or risky as it might appear to be. In reality, below are a few of the aspects to think about when applying for this kind of loan:

* Faster Inquiry

* Personal data are protected from disclosure

Cash Directly transferred into your account at the Bank

* Automated Repayment options

Late payment policies are fair and default on loan policies

The whole process can take anywhere from a few minutes to a whole day, based on the requirements and the criteria for the loan. When you have met all of the necessary information and you accept the terms of the loan, you’ll receive a response within 24 hours. They also employ an encrypted technology to ensure that personal information and personal data is kept private.

After your application is approved the loan will be credited into the bank account. This means you won’t have to visit the bank and request an endorsement for your check. It will also free you from additional bank charges that you don’t need to pay for.

If you’d like to repay your loan in a timely manner you can choose an automated repayment option where loans are deducted straight from the bank account. This is also known in the industry as ACH transactions or auto withdrawal. We recommend this method as it will prevent you from not making your payment , and from having to pay high penalty fees.

When you take these kinds of loan, ensure that you make your payments on time to avoid fees or fees. The amount of penalty fees is different for each state. Certain states also have a limit on penalties, so it is recommended that you read the penalties’ terms so that you know what to expect if you don’t pay your debts promptly.

In terms of loans There are a few companies that permit you to roll-over or extend the loan. However, loans extensions are not permitted or restricted by specific state laws. It is recommended to speak with your lender if you need to extend your loan.

The most important thing to remember is that when you apply for this loan, ensure to repay your loan in time so that you be protected from any loan action that is not paid against you. Financial companies are subject to guidelines outlined in the Fair Debt Collection Practices Act Guidelines and are therefore able to take necessary action against you if you don’t pay the loan obligation.

Even even if you have a poor credit score, you must be accountable enough to fulfill your debts. If you do not pay, this type of loan could negatively impact your ability to get another loan in the future.

Strategies to get your loan approved even with poor credit

If you’re seeking a 4000-dollar loan, be sure to verify if you’re qualified to receive the loan. Avoid making the same error of the others who apply for every loan they can. This is a bad thing for your credit rating, since the application you submitted will show up on your credit record.

It is best to narrow your choices and choose those with a higher chances of receiving approval. You can quickly determine whether you’ll be accepted by reading the requirements of their lenders, which are typically listed on their websites. It is also recommended to study these terms and conditions thoroughly so that you can decide which one offers the most suitable short-term solution for your financial issue.

Advantages and disadvantages of getting a loans of 4000 dollars

Even if you’re nearing the end of your journey to an interest-based loan with high rates This type of loan can help you to improve your credit profile by showing the lender that you are a trustworthy borrower. If you’re willing to prove that you’re a responsible borrower by making your payments punctually, this loan could help you.

If you’re able to apply for a bad credit loan, it’s an opportunity for you to improve your credit score. One of the disadvantages for this type of loan is the high rates of interest. Before applying, ensure that you’re able to consistently keep your payments on time.

]]>
Kirk Hopper Fine Art : Brian Finke : American Photos https://poterefotografico.com/kirk-hopper-fine-art-brian-finke-american-photos/ Wed, 23 Feb 2022 02:58:05 +0000 https://poterefotografico.com/kirk-hopper-fine-art-brian-finke-american-photos/ Kirk Hopper fine art present Brian Finke: American Pictures. Cheerleaders, football players, flight attendants, construction workers, Ms Senior America beauties, hip hop honeys, biker kids, US Marshals, backyard fighters and bodybuilders. Hot girls, hot guys. Spanning over two decades of sharp, high-contrast color photography that straddles the worlds of documentary, editorial and fine art, KHFA’s […]]]>

Kirk Hopper fine art present Brian Finke: American Pictures.

Cheerleaders, football players, flight attendants, construction workers, Ms Senior America beauties, hip hop honeys, biker kids, US Marshals, backyard fighters and bodybuilders. Hot girls, hot guys.

Spanning over two decades of sharp, high-contrast color photography that straddles the worlds of documentary, editorial and fine art, KHFA’s gathering of some 100 images is the first major exhibition by the London-based artist. Brooklyn to Dallas.

Finke mixes visual stimuli, bouncing us between genres, eras and moods. Blending raw naturalism and hyper-reality, his sinister and transgressive imagery sends up all the red flags. You’ll do a double take, unsure of the narrative you just saw. Finke’s understanding of fetishism, masked emotions, and blocked dreams is so compelling that you can’t help but feel like you’re part of things you weren’t meant to see.

Finke has a particular take on what makes America tick. His total immersion in boundary-pushing subjects reveals a range of human behaviors that capture the heart of contemporary life. At work there is a certain romanticism in its approach, with psychological subtleties of inner worlds. Finke’s portraits and stories are rooted in the humanistic photojournalism of W. Eugene Smith and a generation of photographers—Jim Goldberg, Larry Sultan, Larry Fink, among others—whose intensely personal images blurred the lines between elements documentaries and staged from the outside – the -ordinary and suburban life. It’s easy to be sucked into Finke’s world, as easy as being caught up in the American dream.

Witnessing an increasingly complex media culture, Finke is fearless in her exploration of identity. All of his images seem to thrive on mixed messages, intimacies and plenty of provocative iconoclastic attitudes. He goes all out. Despite the exhilarating, dizzying speed of each series, there’s an episodic beat to the beat: one narrative piling on top of the next. Again and again, the exchanges are humorous, uninhibited and revealing.

At times, Finke veers into a shaggy theatrical engagement with the sexy, disastrous effects of America’s protracted adolescence. Instead of making his subjects victims, however, Finke gives them agency and power in a chaotic world. Finke typically works in limited runs and spends long stretches with his subjects, stepping into their worlds so his visual narratives are subjective, yet retain the objectivity of an outsider.

“Many of the people I photograph are involved in activities, communities, hobbies or jobs,” says Finke. “Sometimes these roles have a sort of preassigned collective identity that I like to explore. When considering a cheerleader, for example, it’s hard not to see the predetermined social narratives and identities. I like to infiltrate these groups and capture those quiet moments in a flurry of activity. Sometimes these portraits are inner moments that might debunk a stereotype or just offer another perspective – a lonely cheerleader you want to hug; a placid moment despite an active jackhammer. But, again, because I’m documenting what’s in front of me, I’m also going to show you that over-the-top cheerleader or macho bodybuilder. A screenplay or portrayal of someone breaking the mold next to a straight out script or portrayal of the central cast.

Finke captures the lives of real people in images whose poise and passion transcend their everyday subject matter. Although Finke doesn’t intrude on his images, he sees the lens as more intimate than invasive, functioning as a sort of divining stick, aggressively seeking out a revealing moment. Significantly, Finke uses instant color to intensify the gesture, create atmosphere and captivate the viewer. He discovers the fascinating and thrilling in the banal through detail and close-up. Through scale, frontality, eye contact and body language, his images seem less on the wall than in the room with us.

A cheerleader wows with blonde hair falling below her ears, red lipstick, a blank stare and a cut-out uniform that exposes a tight, tan midriff. An 8′ x 8′ triptych, anchored by a portrait of John McAfee pointing a gun to his temple, brings us face to face with the erratic tech entrepreneur. He is flanked by a shirtless young man with a blood-soaked nose and a Senior Mrs. America, who raises her finger to a liquid-rimmed eye.

Finke spent two years roaming the skies, following flight attendants for Delta, Southwest, Hawaiian, Air France and even Hooters Air. He studies women on airplanes, but also in everyday life – at home, going to the store or picking up their children. All of Finke’s subjects form tribes, reaffirmed here by the distinctive flight attendant uniforms and choreographed mannerisms – part model, part soldier, part schoolgirl vibe. For the “U.S. Marshals” series, Finke became part of the patrol as they raided, riding in the back seat as the force struck houses or arrested prostitutes and human traffic violators. He physically approaches a U.S. Marshal, who looks like a teenage boy wielding a gun, and catches him in action.

In “Hip Hop Honeys,” Finke takes a close look at the often anonymous women dancing and posing in music videos. He spent three years hanging out behind the scenes of sets, traveling between New York, Las Vegas, Miami and Los Angeles to reveal the diversity of women, both empowered and belittled. Finke shows that they are more than just “set pieces”. Their compelling presence helps secure the status of male rappers like Busta Rhymes and Kanye West; they are also larger than life, bold, fierce, a burst of energy. For “Backyard Fights”, Finke connected with an underground fight club founded by ex-con Scarface in rural Virginia. Members relieve stress with punches, thus resolving disputes with fists rather than guns. Throughout, Finke pushes the boundaries of physical violence into a positive space and supportive community.

Finke grew up in the Houston area and her family currently resides near Fort Worth. During the pandemic, Finke and her two sons made several trips to visit her parents, sister and children. The “Texas” series, an exploration of the family in their home country, adds a more delicate cinematic approach to Finke’s highly eclectic oeuvre. His family gets together for barbecues in the backyard and water volleyball tournaments in the pool; the children are spread out in full sun or camouflaged by the penumbra. In many ways, these images serve as a kind of self-examination and self-healing. These are emotional memories – what the nerve and skin remembers and how they came about.

Finke invests his photographs with the enchantment of fantasy and the exotic, as well as the disturbing or the dangerous without renouncing the power of fact. We imagine ourselves in the lives of others, an existential daydream, but also adventure, romance and spirit. Everywhere, the visual allure surreptitiously interacts with the fundamental desires that govern our daily existence. Finke’s studied responses remind us that there is no higher or lower nature in human beings. It is all one.

by Brian Finke visual cultural commentary focuses on the authenticity and absurdity of everyday life and the range of human behavior. A stylized documentarian and photojournalist by training, Finke’s honesty and intimacy when capturing subjects strike at the heart of contemporary life, with a uniquely American point of context and graphic sensibility.

Often with a boundary-pushing subject matter, Finke challenges the viewer to confront what is often right in front of them, with an almost surreal understanding of immediacy, time and place. From street photography to commercial portraiture to fashion editorials, his immersion in wider culture creates images deeply connected to the political and emotional nuances of the modern world.

A graduate of the School of Visual Arts in New York, Finke received a BFA in photography in 1998. He is the author of several books, and his first monograph, 2, 4, 6, 8 (2003), was named l one of American Photo magazine’s best photography books. Earlier in his career, Finke was one of twelve artists nominated for the International Center of Photography’s annual Infinity Prize, and he won a prestigious fellowship from the New York Foundation for the Arts. Finke’s work is in nine museum collections in the United States and abroad, and he tours regularly for editorial clients like National Geographic, M magazine, and The New York Times as well as commercial clients including Delta Airlines. , Uber Eats and eBay. In addition to photographing his long-term personal projects, Brian is a visiting professor at the International Center of Photography in Manhattan and FotoFilmic in Vancouver.

Essay by Susie Kalil

Brian Finke: American Pictures
February 26 – March 26, 2022
Kirk Hopper fine art
1426 N. Riverfront Boulevard, Dallas, TX 75207
www.kirkhopperfineart.com

Artist reception:
Saturday February 26, 2022
6:00 p.m. – 8:00 p.m.

www.brianfinke.com

]]>
American life set on new course by Nixon’s visit to China https://poterefotografico.com/american-life-set-on-new-course-by-nixons-visit-to-china/ Tue, 22 Feb 2022 05:11:15 +0000 https://poterefotografico.com/american-life-set-on-new-course-by-nixons-visit-to-china/ BEIJING – Every afternoon, just after the lunch break, we gathered in the music hall of Fangcaodi Primary School. The teacher handed out a sheet of songs, mimeographed on plasticine paper. We stood straight as a stick and sang Chinese songs with soulful tunes and – no other way to put it – communist propaganda […]]]>

BEIJING – Every afternoon, just after the lunch break, we gathered in the music hall of Fangcaodi Primary School. The teacher handed out a sheet of songs, mimeographed on plasticine paper. We stood straight as a stick and sang Chinese songs with soulful tunes and – no other way to put it – communist propaganda lyrics.

“We are all snipers. Each bullet annihilates an enemy.”

“We are grateful to dear Chairman Mao for building our beautiful school.”

“Worker, Farmer, Soldier, Unite and Rise!”

It was the fall of 1979 and I was 11 years old. Three months earlier, I sat at Three Rivers Stadium in Pittsburgh, watching the Pirates begin a run that would end in a World Series victory that I would miss. I was a suburban kid who just wanted to hang out with my friends.

Suddenly, I found myself in the belly of what was still called, at home, “red China”. Although I didn’t realize the importance of it at first, we were one of the first American families to move to China in the months following the normalization of relations with the United States.

For that, I had Richard Nixon to thank.

___

Nixon visited Mao Zedong in Beijing 50 years ago this week when they were both leading their respective nations. Nixon called it “the week that changed the world”. Seven years later, on January 1, 1979, this meeting echoed in irrevocable history when their successors, President Jimmy Carter and Deputy Prime Minister Deng Xiaoping, formally established diplomatic relations.

Deng was not yet the “supreme leader” of China. But his new project — starting something called “reform and opening up” that would help infuse capitalism into the communist system — was part of the reason I ended up in China at age 11.

When China opened up to Americans, young people rushed to teach English there. But aside from being native speakers, few had language teaching qualifications. So to teach its teachers to teach English after years of isolation, the Chinese Ministry of Education recruited language teachers like my parents, linguists at the University of Pittsburgh.

And so it was that in mid-July 1979, we joined the first wave of American families to settle in China. My parents were dubbed “foreign experts” and were appointed to one-year positions at the No. 1 Foreign Language Institute in Beijing.

We were put up at the Friendship Hotel, a sprawling complex in then-bucolic northwest Beijing that had been built in the 1950s to house Soviet advisers. It was a miniature city, with barbers, a butcher, a cinema and a huge swimming pool with a 10 meter diving board. We had most of the place running.

One day, in the “international club” of the compound, where my parents were drinking Wuxing beer with their friends, a rumor spread. Chinese television was going to broadcast its first American show, and the club was the only public place in the compound with a television set.

The following week, we all gathered around a small screen. The credits rolled. It was “The Man From Atlantis,” a forgettable sci-fi show starring Patrick Duffy, later of “Dallas.” It’s hard to convey today, in our on-demand world, how thrilled we, a handful of American children, were at the rare connection to home.

Most of the Chinese people we met – from my teachers in Fangcaodi to my parents’ colleagues to random workers I befriended after learning to speak their language – were fascinated by America and knew little of its citizens. They liked to hear about baseball, McDonald’s (which would come 12 years later), and something that amazed everyone in this bike culture: most Americans had their own cars.

However, not everyone was captivated by the United States – or, at least, by its leadership. After all, China had just experienced the traumatic Cultural Revolution and had been conditioned to view Americans as the “hounds” of bourgeois capitalism.

Across Beijing then stood red billboards documenting various iterations of “Mao Zhuxi sixiang” – “Chairman Mao’s Thought”. We were with a Chinese colleague of my parents and passed by such a sign being erected. It was bright red and still empty.

The coworker pointed at him, looked at my parents, and joked, “Jimmy Carter thought.”

___

To me today, China in 1979 looks like a distant film montage spinning in my head.

I imagine old men on street corners selling roasted sunflower seeds in burlap sacks – snacks that tasted faintly of the burning charcoal whose smell filled the wintry air. I imagine young women selling penny popsicles from icebox handcarts. I imagine my school, where children from divergent cultures – Burma, Bangladesh, Uganda, Rhodesia, even North Korea – learned music, mathematics and art in Chinese and could only interact and play if we learned the language . We did it, and fast.

I imagine our epic, tightly supervised rail journey across China in February 1980 – from Beijing to Sichuan in the west, before boarding a boat east on the Yangtze River. We met town after town people who had never seen Westerners before – let alone Westerners who spoke Chinese with a Beijing accent.

They gathered around us in droves, looking at us and smiling, always ready to engage and – when they learned we shared a language – talking to us about themselves. They stabbed me with questions, usually about the little instamatic camera I was carrying. If I got a Chinese tone wrong, they corrected me instantly; I may have been a stranger, but I was still a child after all. I learned as much from these conversations as from my lessons in Beijing.

These images were crushed in my mind by images of a new China – a modern China, a rapidly changing China, a complex global presence that touches almost every corner of human existence.

So many years later, here’s what I want to tell you about life in China at this more pivotal moment in history than we thought: For me, it shaped what it meant to be an American.

Before humans could access the world on the phones in our pockets, it was rare to see your country both inside and out, especially from the perspective of a culture so eager to s ‘to hire. This perspective, given to me as a child by so many Chinese remembered and forgotten, is something I carry with me.

My travels through China that year and the people I met also gave me insight into how to listen. Men and women who wanted to know more about my American life also told me about their Chinese life. And even though I knew I was going through and living a life in drastically different circumstances, the language I suddenly shared with them made me realize that they weren’t just people to be seen, but people to hear – and, by extension, to work to understand. This is what brought me back to China years later.

On Sunday, 43 years after moving to Beijing as a child and two decades after living here as a journalist, I covered the closing ceremony of the Winter Olympics. For two weeks I moved around the COVID “bubble” with the places I loved just out of reach. I had dinner a block from my old school but couldn’t take my co-workers to see it. I smelled Beijing’s winter air and didn’t smell coal. I was sad, but I was okay with that too. That China is gone and the complex nation that replaced it is just as exciting, if not more so.

I still have the pulp pages of those songs from long ago that tried to indoctrinate me. They remind me of something my mother told me a long time ago: As important as it is to get to know a culture and respect its customs when you live there, you also have to leave behind something precious. behind you. In this way, people who ponder the question “What does an American look like?” could use you as an example – for good reason. China has become my testing ground for this.

And all of this, oddly enough, is why I – and, I would bet, other American children I knew here so long ago – owe an unlikely debt of gratitude to Richard Nixon, who 50 years this week helped open the door.

___

Ted Anthony, director of new storytelling and newsroom innovation for The Associated Press, is the AP’s former Asia-Pacific news director. He lived in Beijing as a child in 1979-80 and as a journalist from 2001-2004. Follow him on Twitter at http://twitter.com/anthonyted

]]>
Bad credit? No savings? Unconventional (possibly risky) ways to buy a home https://poterefotografico.com/bad-credit-no-savings-unconventional-possibly-risky-ways-to-buy-a-home/ Fri, 18 Feb 2022 08:00:00 +0000 https://poterefotografico.com/bad-credit-no-savings-unconventional-possibly-risky-ways-to-buy-a-home/ Nery Peña, 27, a first-year English teacher, bought a two-bedroom apartment in Washington, D.C., overlooking the Washington Monument, for $50,000 in 2021. Similar apartments nearby start at $350,000. The building is part of the Douglass Community Land Trust, a portfolio of properties purchased by former tenants and nonprofit groups, where eligible buyers typically earn between […]]]>

Nery Peña, 27, a first-year English teacher, bought a two-bedroom apartment in Washington, D.C., overlooking the Washington Monument, for $50,000 in 2021. Similar apartments nearby start at $350,000.

The building is part of the Douglass Community Land Trust, a portfolio of properties purchased by former tenants and nonprofit groups, where eligible buyers typically earn between 30 and 70 percent of the area’s median income. In DC, that could mean a family of three making about $35,000 to $81,000 a year. The land trust also includes rental apartments.

Ms. Peña, whose family rented the building before it was converted into a co-op in the 1990s, cobbled together $15,000 from her savings and a gift from her mother, and funded an additional $35,000 through a credit union.

She pays $1,420 a month, including co-op fees; nearby similar units rent for double that amount. If she decides to sell the house, the sale price will be limited to its purchase price, $50,000, plus 3% for each year she stays.

“Honestly, I never thought it would be possible,” she said. “‘Most people who live here have known me since I was 2 years old.’

Scale is one of the biggest problems with the model. In the United States, about 250,000 households live in social shares, said Tony Pickett, chief executive of Grounded Solutions Network, a national organization in that space. This includes approximately 1,200 HDFC Cooperatives At New York.

“It’s tiny,” he said.

Finding lenders who will fund the loans is a challenge because mortgages are generally smaller than market rate homes. Grounded Solutions aims to reach 1 million households over the next 10 years, pushing for legislative changes that could make it easier to take out such loans.

]]>
What to know when applying for a personal loan with bad credit https://poterefotografico.com/what-to-know-when-applying-for-a-personal-loan-with-bad-credit/ Wed, 16 Feb 2022 08:00:00 +0000 https://poterefotografico.com/what-to-know-when-applying-for-a-personal-loan-with-bad-credit/ Select’s editorial team works independently to review financial products and write articles that we think our readers will find useful. We earn commission from affiliate partners on many offers, but not all offers on Select are from affiliate partners. When it comes to paying for some of life’s biggest expenses – a home renovation, a […]]]>

Select’s editorial team works independently to review financial products and write articles that we think our readers will find useful. We earn commission from affiliate partners on many offers, but not all offers on Select are from affiliate partners.

When it comes to paying for some of life’s biggest expenses – a home renovation, a big medical bill, an emergency, a wedding or even a funeral – sometimes it can be easy to find yourself short of money. to cover these costs. And if your savings don’t match the amount of money you’ll need to cover those expenses, you may need to find a way to cover the difference.

This is where a personal loan can come in handy. Personal loans are actually one of the fastest growing categories of debt in the United States, in part because they offer flexibility that some credit cards don’t: higher interest rates down and the ability to receive a lump sum directly deposited into your bank account so that you can use it as needed.

When you take on debt of any form, it’s usually ideal to apply with good or excellent credit in order to get the best loan terms. But if you find yourself applying for a personal loan with poor credit, there are still options for you – you just need to keep a few things in mind before you start the application process.

Can you get approved for a personal loan with bad credit?

Your Credit history and credit scores are important because they provide lenders with clues to determine if they think you will be a responsible borrower who will repay the loan on time and in full. Keeping your credit score healthy can really be an asset when applying for loans for big purchases like buying a house or buying a car.

While it’s possible to get approved for a personal loan if you have poor credit, the final decision, for the most part, rests with the lender you apply to. Some lenders will tell you upfront what their minimum requirements are. Personal loan repaymentfor example, requires a FICO score of 640 (which is in the “fair” range) or higher for approval.

Some lenders will actually cater to those with poor (or no) credit. Beginner personal loansfor example, will accept a FICO or Vantage score as low as 600, but they will also accept applicants who have not yet built up a sufficient credit history. OneMain Financial also approves applicants who have poor or fair credit for their personal loan products. (See our roundup of the best personal lenders for bad credit for more options.)

Beginner personal loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, credit card refinancing, marriage, moving or medical

  • Loan amounts

  • terms

  • Credit needed

    FICO or Vantage score of 600 (but will accept applicants whose credit history is so poor that they have no credit score)

  • Assembly costs

    0% to 8% of target amount

  • Prepayment penalty

  • Late charge

    Greater of 5% of monthly amount past due or $15

OneMain Financial Personal Loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, big expenses, emergency expenses

  • Loan amounts

  • terms

  • Credit needed

  • Assembly costs

    Flat fee from $25 to $1,000 or percentage ranging from 1% to 10% (depending on your state)

  • Prepayment penalty

  • Late charge

    Up to $30 per late payment or up to 15% (depending on your state)

What interest rates are you eligible for?

This tool is provided and powered by Even Financial, a search and comparison engine that connects you with third-party lenders. Any information you provide is given directly to Even Financial and it may use that information in accordance with its own Privacy policies and Terms of use. By submitting your information, you agree to receive emails from Even. Select does not control and is not responsible for the policies or practices of third parties, and Select does not have access to the data you provide. Select may earn an affiliate commission on partner offers in the Even Financial tool. The commission does not influence the selection in the order of the offers.

It’s also worth noting that in some cases it may make more sense to use a credit card with a 0% APR introductory period, as you can finance your purchase and make payments for the balance without being charged extra. interest for a fixed term. time. the Citi Simplicity® Card, for example, gives you a 0% period of 12 months (after, 14.74% to 24.74% variable APR). This option is only optimal if the credit limit is sufficient to cover your expenses and you are sure that you can pay off the entire balance before the end of the 0% APR period.

How long will you have to repay the loan?

The time you have to repay a personal loan is often referred to as the “term” of the loan. Like interest rates and credit score requirements, loan terms can vary from lender to lender. The good news is that this information is usually provided up front so you can immediately determine if the repayment schedule is right for you.

Loan terms can be as short as six months and as long as seven years. When you take out a loan that gives you more time to pay off the balance, you’ll likely have smaller monthly payments — though be aware that a longer term means you’ll end up paying more interest over time. . Shorter terms, on the other hand, could result in a higher monthly payment, but less accrued interest over the term of the loan.

How will a personal loan affect your credit score?

There are several ways to request and subscribe to a personal loan can affect your credit.

As with any other loan, mortgage, or credit card application, applying for a personal loan can cause your credit score to drop slightly. This is because lenders will need to do a thorough investigation of your credit, and each time a thorough investigation is done, it shows up on your credit report and your score drops a little. Keep in mind, however, that this drop is only temporary, and maintaining good credit habits can raise your score again over time.

That being said, it pays to be as strategic as possible about when you decide to apply for a personal loan. Applying for a personal loan soon after applying for a new credit card could cause your credit score to drop even further, as a thorough investigation would be done for both applications.

On the plus side, taking out a personal loan can actually improve your credit score because you build a track record for making payments on time. This is especially true if you have been approved by a lender that accepts applicants with poor credit records. Payment history is the most important factor in calculating your credit score, accounting for 35% of it. Making your monthly payments on time and in full can provide clues to a lender that you are very likely to repay the money you borrow in the future. By making regular, on-time payments, your credit score is likely to increase.

A personal loan can also help you improve your credit mix. Your credit mix refers to the different types of credit accounts you have, including credit cards, student loans, mortgages, etc., and represents 10% of your credit score.

That’s not to say you should go out of your way to take on different types of debt, but having a variety of accounts can show lenders that you have the ability to handle multiple types of credit. This can make you look more like a creditworthy borrower (just make sure you don’t go into too much debt).

At the end of the line

Personal loans – and the thought of taking on more debt – can seem daunting, especially if you already have a poor credit score or no credit history. But when used responsibly, they can help you cover an important and necessary expense and improve your credit score when you make payments on time. If you’re applying for a personal loan with poor credit, you’ll just need to keep the above things in mind so you don’t feel caught out during the process.

Editorial note: Any opinions, analyses, criticisms or recommendations expressed in this article are those of Select’s editorial staff only and have not been reviewed, endorsed or otherwise endorsed by any third party.

]]>