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Compliance: Looking at the SCRA’s 6% interest rate cap

first_img continue reading » The Servicemembers Civil Relief Act (SCRA) is designed to protect individuals on full-time active military duty who have been materially affected by their service. A recent CompBlog back-to-basics post examines one significant aspect of the SCRA: the 6% interest rate limit.The SCRA limits interest rates on debts incurred prior to active duty at 6% for the duration of the servicemember’s period of military service. Interest includes service charges, renewal fees, or any other charges (except bona fide insurance) with respect to an obligation or liability.The limit does not apply to debt incurred during or after active duty service, so it does not apply to new advances under an existing credit card or home equity line of credit program.This is true even if the open-end plans were established prior to active duty.In order to receive reduced rates, the servicemember must provide a credit union with a written notice and a copy of the military orders calling the servicemember to active duty, as well as any orders further extending military service, within 180 days of release from military service. 9SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Grimley moves into new Cardiff offices

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Hubert Lawrence: Sherone Simpson – comeback of the year

first_imgAwards are flying around the world in this festive season and, thankfully, some have come Jamaica’s way. Usain Bolt, Shelly-Ann Fraser-Pryce and young Christopher Taylor have gotten their share from sporting bodies and media organisations alike. There may well be more to come. One oft overlooked category might include sprinter Sherone Simpson. When she came back from a minor drug suspension for unintentional use of a stimulant in 2014, she was a shadow of the woman who had been a mainstay of the Jamaican team for more than a decade. Her return to prominence is the comeback of the year. An Olympic 100m finalist in 2004, Commonwealth 200m winner and world number one over 100 metres in 2006, joint Olympic silver medallist in the 100m in 2008, and repeat World Championship finalist in the 200m, Simpson has a portfolio many envy. Added to that, her speed and safe hands have made her a key member of the 4x100m unit that has become the best in the world. REGAINING COMPETITIVE FORM Asafa Powell managed to regain his usual sub-10 form late in the 2014 sprinting campaign with victory over Commonwealth champion Kemar Bailey-Cole. Simpson, however, struggled and aborted her 2014 season early. It was painful to watch. This year, with the guidance of coach Maurice Wilson, she gradually regained competitive form. Instead of the slouchy 2014 200-metre fourth place at the Jamaican National Championships, she looked more like her urgent self. A near dead heat with former MVP Club training partner Fraser-Pryce in the 200 metres at the UTech Classic heralded her progress. At this year’s Nationals, she was a strong second-place finisher in the 200 metres, and a flying fourth in a fast 100-metre final. In 2014, she logged times of 11.34 and 23.38 seconds in the 100m and 200m, respectively, at the Nationals. This year, the corresponding figures depicted a much brighter picture at 11.14 and 22.62. Her 100-metre win at the Pan-Am Games was wonderful. Seizing the moment, Simpson produced a winning time of 10.95 seconds. It was her 13th sub-11 clocking and her first since 2008. Out in the 100-metre semis in the World Championships, the 32-year-old comeback kid reached the 200m final, where she ran a season’s best time of 22.50 seconds and chipped in with a high-speed first leg to help Jamaica to reach the 4×100-metre final. CLEAN SLATE Her comeback would be perfect if the authorities would wipe her slate clean. After all, it’s been proven that the company that supplied the tainted supplement that got her and Asafa Powell in trouble was guilty of incomplete product labelling. She and Powell sued the offending company and won an out-of-court settlement. If the USA track and field association, USATF, can back Allyson Felix in her quest to run both the 200 and 400 metres at the 2016 Olympic Games, perhaps the JAAA can help our two heroes erase the blot on their reputations. That, and an individual Olympic medal next year, would make Simpson’s comeback complete. If she stays injury free, success is possible. – Hubert Lawrence was making notes at track side when Sherone Simpson ran for Manchester High School at Girls’ Championships 2002.last_img read more