Posted in Personal

Online and independent: The future of journalism is already here

A photo shows AFP photographer Anne-Christine Poujoulat (R) and photographer Jean-Baptiste Autissier during a rally as part of the 'Black Lives Matter' worldwide protests against racism and police brutality, on Place de la Republique in Paris on June 13, 2020. - A wave of global protests in the wake of US George Floyd's fatal arrest magnified attention on the 2016 death in French police custody of Adama Traore, a 24-year-old black man, and renewed controversy over claims of racism and brutality within the force. (Photo by Thomas SAMSON / AFP) (Photo by THOMAS SAMSON/AFP via Getty Images)

THOMAS SAMSON via Getty Images

“I’m a one-man crew right now though I’m starting to work with a few serious journalists and people who can be trained as journalists to string for me in areas of the country that are under-reported on,” he continued.

Unicorn Riot, on the other hand, is a 501(c)3 educational media organization founded in 2015 with reporters spread across the country. “We chose not to be LLC specifically [because] we knew we weren’t in this for the money,” Niko Georgiades, a co-founder of and producer at the outlet, told Engadget.

“What we were aiming for was allowing people’s voices to be heard by creating media that was a platform for the community,” he explained. “And so what we knew from that was we could possibly enlighten people, educate people. We could bring something new to the table and [fill] a niche that we knew needed to

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Posted in Insurance

When, where and how will you be able to travel abroad in the summer of 2020?

Waiting game: passengers at Heathrow airport: Simon Calder
Waiting game: passengers at Heathrow airport: Simon Calder

UK holidaymakers will be able to travel abroad this summer – though it is not yet clear to which destinations.

At present a “double lock” effectively prevents most overseas travel. The Foreign Office advises against all but essential journeys abroad, while anyone returning to the UK faces two weeks of self-isolation.

The measures have already triggered the cancellation of millions of trips and stifled new outbound and inbound bookings.

But in the next few days the government will set out a list of countries for which both the Foreign Office warning and the quarantine requirement will be lifted.

These are the key questions and answers.

What is changing?

On Wednesday, 1 July, the government is expected to say that the current rules will be relaxed on 6 July for a range of destinations.

Simultaneously, the Foreign Office no-go warning and the need

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Posted in Personal

Customer Relations Management Gains New Relevance in Pandemic Era

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PARIS — Social distancing may be the new norm, but so, too, is getting up close and personal. While shopkeepers diligently apply bright, new floor markings to regulate store traffic, brands are also busy working behind the scenes to forge deeper, more personal ties with clients.

Customer relationship management has emerged as a key element to pandemic-era strategies as brands and retailers across the spectrum seek to steer their businesses through choppy trading conditions.

“What we are sure of is this crisis will end at some point, and it’s important that the brands actually get out of this tunnel in good shape — in good enough shape at least with their customer assets — the relationship assets — so that if they have cash to restart the engine, they can do that in the best possible way,” said Marc-André Kamel, partner and director

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Posted in Personal

6 common mistakes when refinancing into a low mortgage rate

Mortgage rates keep hitting new all-time lows, and homeowners have been rushing to refinance and shave down their monthly payments — sometimes by hundreds of dollars.

As 30-year mortgage rates head toward 3% and lower, you’re a good candidate to refinance and save if your current mortgage rate is in the neighborhood of 4%. That’s pretty common, because rates were averaging around 4.2% in the spring of last year.

Think you’re ripe for a refi? Careful there, because mortgages are complicated and it’s easy to make a misstep.

Refinancing errors can be costly. Here are six of the most common ones you’ll want to avoid on your way to landing a new loan.

1. Not comparison shopping to find the best deal

Krakenimages.com / Shutterstock
Too many borrowers grab the first mortgage they see.

You probably wouldn’t buy a new car without shopping around and comparing prices. Same goes

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Posted in Finance

Underage teens use Klarna to fund ‘free money’ shopping sprees online

Teen shopping online cartoon
Teen shopping online cartoon

Teenagers have exploited a credit loophole to go on “free” shopping sprees, it has emerged. Klarna, Britain’s biggest “buy now, pay later” lender, has been forced to over­haul its security system after a 16-year-old girl was able to open an ­account on the website and rack up debts of more than £500 through buying clothes ­online.

As disclosed this week by The Tele­graph’s consumer champion, Katie Morley, the minor was able to set up a Klarna profile by opening an account using her own name but her mother’s date of birth. This fooled the credit check system into thinking the girl and her mother were the same person, even though no one of that name, age and address existed on the electoral roll. It has exposed an alarming security flaw at the increasingly popular ­service, which is strictly for adults.

Klarna, which has seven million British

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Posted in Personal

The best credit cards for college students

— Our editors review and recommend products to help you buy the stuff you need. If you sign up for a credit card after clicking one of our links, we may earn a small fee for referring you. However, our picks and opinions are independent from USA TODAY’s newsroom and any business incentives.

College can be an exciting, confusing, and, well, costly time in your life. You’ll need to buy everything from books to blankets to the occasional beer (if you’re old enough), and you get to make those spending decisions all on your own. Assuming you take a smart approach to your money and don’t go over your budget, using the right credit card to make your necessary purchases can make your transition into adult life just a little bit easier.

The best credit cards for college students have a few things in common: They offer forgiving policies, robust

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