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California lawmakers urge FDIC to curb banking partnerships
Four Democratic members of the California State Legislature recently sent a letter to the Federal Deposit Insurance Corporation (FDIC) urging the agency to take action against FDIC-supervised banks that partner with non-bank lenders. to…
Who really pays with buy now, pay later companies like Klarna and Affirm: NPR
CHERYL W THOMPSON, HOST:
If you've shopped online recently, you might have seen an option that would let you pay some now and the rest later, interest-free. Buy now, pay later Businesses have exploded in…
Boutique hotel room for sale in one of Liverpool’s busiest streets
The opportunity to purchase a property on one of the city's busiest streets has presented itself, but it's not your average home. Those interested in the studio will not be able to live in the property but rather invest in a "one-of-a-kind"!-->…
Making Budget Friendly Home Improvements Without Affecting Your Finances With OakParkFinancial
Home improvements are a expensive venture. A lot of people put off doing these kinds of repairs due to the fact that they don't have the money for doing it. If you're in this situation then you might think about applying for a!-->…
The World Bank predicts that global growth will fall to 2.9% in 2022
Outlook: Today is as slow a day of data as possible - weekly MBA mortgage applications, final April wholesaler inventories and Department of Energy oil inventories. Watch for fabricated outrages.
The Atlanta Fed's…
The Weekly Authority: 📱 Pixel Prototype
⚡ Welcome to The weekly authoritythe Android Authority newsletter that breaks down the top Android and tech news of the week. 197th edition here, with this Pixel 7 prototype, Galaxy foldable specs, Final Fantasy 16…
5 Best Online Payday Loans – Online Payday Loans Same Day Deposit & No Rejection Payday…
Online payday loans are the solution to almost any type of financial lock-up. Whether you need money to redecorate the spare bedroom, buy an expensive birthday present, or pay for an expensive car repair, online payday loans can provide…
How to get out of payday loan debt in Colorado
Despite all the pros and cons, payday loans are still the most convenient option for meeting immediate cash needs. Payday loans can cost you a lot more in the long run than you originally planned to borrow.
Payday loans can quickly become…
Cost of living crisis: How employers are stepping in to help
Nicola Ryan worries about rising inflation. Not just the impact of price increases on her personally, or her employer One and All, a manufacturer of school uniforms based in Stockport, in the North West of England. She worries about the…
Propelled by (formerly) huge gains from real estate, stocks, cryptos, while “real” incomes are…
You can see why some retail stocks don't like the shift from goods to services.
By Wolf Richter for WOLF STREET.
Americans far outpaced inflation in April. "Real" spending on goods - what consumers buy at retailers, adjusted for…
Republicans should push to expand child tax credit
A crucial debate has taken center stage in American politics: who, exactly, is the party of the working class? The Democratic Party's efforts to pose as defenders of working people have been ill-exposed by its two years in total power in…
Coralie Chun Matayoshi Explains the Effects of Sea Level Rise on Hawaii Homes
Honolulu (KHON2) - Coralie Chun Matayoshi explains the effects of sea level rise on the local real estate sector in KHON2's latest podcast episode titled "What's The Law".
According to scientists at the University of Hawaii, Oahu…
Emergency DWP cash increase of £700 proposed from end of June for people on Universal Credit
Households struggling with the rising cost of living stand to benefit from an emergency increase in their Universal Credit payments of more than £700 - according to a study by analysts. Policy in Practice has been asked to examine the costs!-->…
Coupon App Provider Ranking Sees Competitors
Their job is to conduct a tough negotiation, so it is no surprise that there is good competitiveness and a change of position among the competitors in the latest edition of PYMNTS's coupon app provider rankings.
Highlights from this month…
Americans are in a bad mood, but that hasn’t dampened their spending: splurging on retailers,…
Retail therapy in bars and restaurants, cannabis stores and e-commerce? Other retailers not so lucky.
By Wolf Richter for WOLF STREET.
Retail sales jumped 0.9% in April from March, after jumping 1.4% in March from February, to $678…
What if you can’t pay the medical bills?
Are your medical bills and overdue notices piling up on your table? You might be tempted to throw them all away, but that won't be the best solution. You can't pretend your debt doesn't exist even if you think you can't…
Virginia Court Approved $489 Million in Aid for Victims of Illegal Internet Payday Loans
RICHMOND, Va. (WRIC) – The federal court in Richmond has given preliminary approval to a class action settlement that would provide $489 million in relief to victims of illegal internet lending.
The ruling was released Thursday,…
District 41 Candidates Discuss West Taos County | Policy
Two candidates vying for the District 41 seat in New Mexico debated Monday night (May 9) at a forum hosted…
Black Leadership Advisory Council submits 11 recommendations for greater Michigan inclusiveness
LANSING, Mich. — The Black Leadership Advisory Council (BLAC) has released a set of 11 policy recommendations aimed at closing the equity gap and creating a more inclusive Michigan.The council, appointed by Governor Gretchen Whitmer, offers…
FINANCIAL LITERACY NEW LEAP A1 |
Studies have long shown that high school students are woefully misinformed about personal finances and how to manage them. But the COVID-19 pandemic, which has revealed how many American adults are living on the financial…
Reviews | Why success couldn’t save Biden’s child tax credit expansion
Placeholder while loading article actionsIn the spring of 2021, Mitch McConnell (R-Ky.) was a worried man. In a book published this week, "This Will Not Pass," New York Times reporters Jonathan Martin and Alexander Burns report that the…
CFPB seeks information on ‘unwanted fees’ charged by providers of consumer financial…
On January 26, the Consumer Financial Protection Bureau issued a “Request for Information Regarding Fees Charged by Providers of Consumer Financial Products or Services.” In a contemporary statement, CFPB Director Rohit Chopra described…
Teach them personal finance in high school. – Twin towns
I am a teacher at Robbinsdale Armstrong High School in Plymouth, where I teach both introductory and Advanced Placement (AP) economics. This is a subject that fascinates me for several reasons. Practical economics has a direct translation…
More Accurate Lending Algorithms Turning Beforepay into Profitability, Says CEO
Tarek Ayoub, founder of Beforepay, and Jamie Twiss, CEO. Source: provided.
The fortunes of prepayment fintech Beforepay…
Comparison of States with Highest and Lowest Levels of Personal Debt and Income |
Country
united states of americaUS Virgin IslandsU.S. Minor Outlying IslandsCanadaMexico, United Mexican StatesBahamas, Commonwealth ofCuba, Republic ofDominican…
How Much Would a Trip to the ‘White Lotus’ and ‘Nine Perfect Strangers’…
At least on television, exclusive, private resorts seem to be all the rage this summer.
The internet went crazy with HBO's "The White Lotus," a show set in a tropical Hawaii utopia that drew 1.9 million viewers for its finale and!-->!-->!-->…
The 3 Best Installment Loan Apps to Get You Started
Lending apps are gradually replacing traditional loan agencies or credit unions. Today, traditional lending institutions struggle to keep up with the convenience and transparent processes of these apps. Moreover, these applications and…
This week at the General Assembly
Monday, April 25, 202212 p.m.; State House LibraryTHE REPUBLICAN PARTY OF RHODE ISLAND TO HOLD A PRESS CONFERENCE WITH RIGOP PRESIDENT SUE CIENKI AND SENATE MINORITY WHIP JESSICA DE LA CRUZOn Monday, April 25, the Rhode Island Republican…
Mint brings financial literacy to consumers and underserved communities to help build healthy…
Mint, a personal finance app, provides users with simple tools to help them manage their finances in times of financial stress. In addition to…
Why Tax Refund Loans Are Bad: Fees, Interest, and Risk
Last-minute filers are scrambling to ship their returns to the Internal Revenue Service by the 2021 tax year deadline of Monday, April 18, and are likely anxiously awaiting a big check via their refund of tax. Some tax firms or…
Advantages and disadvantages of debt consolidation
Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as "Credible", is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us…
Three-digit interest rates could be banned similar to payday lenders law
LOUISVILLE, Ky. (WAVE) – Kentucky law allows triple-digit interest rates on certain loans. The logic of the 1960s law was simple. Consumers have the option of paying the price in cash or the price on credit, but the price on credit can…
compared to create or go beyond are dangerous, and studies nationwide show that each of them brings
compared to create or go beyond are dangerous, and studies nationwide show that each of them brings
Less Complicated Seashore Home Shield May Increase Pacific Circumstances to…
Coborn’s gives workers access to on-demand compensation
Diving brief:
Coborn's announced on Thursday that it is now offering its workers the option to collect their pay as they earn it through a partnership between the grocery company and…
UK Buyers at Westfield Shopping Centers Benefit from BNPL Option
Customers at more than a dozen stores in London's Westfield shopping centers and Stratford City can now use a buy it now, pay later (BNPL) option when shopping, Bloomberg reported on Wednesday (April 6).
Clearpay Finance Solutions, a…
Bankruptcy And Employment | On your debt
Will bankruptcy affect my job?A question frequently asked by our clients who are considering declaring…
Sweet-talking scammer promised rich returns as he cheated friends, family and his own wife out of…
A sweet-talking con man has tricked his friends and family into investing £179,000 in bogus business ventures and fake insurance schemes. Robert Watkinson, 61, claimed to be a successful businessman, promising high returns on the!-->…
Access to earned wages is spreading in Asia
The past year has been inundated with news about funding rounds and product launches related to Earned Wage Access (EWA) in what seems to have become one of the hottest topics in the fintech world in this moment.
EWA, also known as First…
‘We can stop sinking’: Lawmakers mark anniversary of Illinois’ break with payday…
SPRINGFIELD, Ill. (NEXSTAR) – Lawmakers celebrated the one-year anniversary of the passage of the Predatory Loan Prevention Act (PLPA) on Wednesday.
The PLPA sets a statutory maximum interest rate for consumer loans at 36%.…
Bringing personal finance to the classroom for Gen Z
"When it's mandatory, everyone has access," said Rebecca Maxcy, director of the Financial Education Initiative at the University of Chicago.Update March 18, 2022, 9:32 p.m. ETWhile progress between the states is encouraging, there's still…
Application period in Nevada closes in 3 days
Nevada Congresswoman Annie Black, who was planning to run for the state Senate but changed course to run for Congress, officially filed her case for the 4th District on Wednesday.
Black made headlines in 2021 when she resisted demands…
Rural Americans are more likely to have lower incomes and assets than urban residents
A new brief released by the Employee Benefits Research Institute titled “Understanding the Financial Differences Between Rural and Urban Americans,” found that people living in rural areas were more likely to have lower incomes and…
Global Payday Loan Services Market Estimate 2022-2028 Analysis by Key Players like Wonga, Cash…
“The latest study titled “Global Payday Loan Services Market 2022 by Key Players, Regions, Type and Application, Forecast to 2028” released by Affluence Market Report, presents an analysis of the current and future scenario of the global…
Payment Processor That Helped Fake Bilk Discount Clubs Consumers to Pay $2.3M in FTC Case
A payment processor that allegedly helped a bogus discount club scheme debit tens of millions of dollars from consumers without authorization will have to pay $2.3 million and face a permanent ban from working with high-end customers. risk…
Leveraging Technology to Improve Financial Inclusion in the United States
By Ismail Amla, Executive Vice President, Professional Services, NCR Corporation
The benefits of financial inclusion are known and numerous. Households that lack access to bank accounts or relatively affordable mechanisms…
New York AG Releases Top Ten Consumer Complaints of 2021
Internet-related issues top the list of top ten consumer fraud complaints received by the New York State Attorney General's Office in 2021.Attorney General Letitia James is releasing the list as part of National Consumer Protection…
Why would anyone want to get out of debt?
Why would anyone want to get out of debt?Think about it. You borrow money. You can use this money now. Then you can pay it back slowly, over time. Who wouldn't want this deal?You might expect a financial planner to say that everyone…
Payday Loan Services Market Outlook by Size, Share, Demand, Current Trends, Progress Status, Growth…
The Payday Loans Services Market research report is a unique research guide that gives a total assessment of the Payday Loans Services market outline and covers the current status review and development factors , current market patterns…
Payday Loans Statistics | The bank rate
Here's a breakdown of payday loan demographics by parental status. Parents are more likely to take out payday loans than non-parents.
Parental status
Percentage having used a personal loan
non-relative
5%
relative
8%
payday…
Old Testament – What does it say about loans and interest?
Proverbs 28:8: "He who increases wealth by taking interest or profit from the poor, lays it up for another, who will be good to the poor."
Unmanageable debt is always inadvisable. Even in ancient times, people avoided getting into debt as…
Monroe Man arrested, accused of soliciting 14-year-old girl online – CW50 Detroit
MONROE, Mich. (CBS Detroit) — A Monroe man has been arrested and charged with soliciting a 14-year-old girl online.According to the Monroe County Sheriff's Office, 33-year-old Christopher Pack was arrested on February 17 on a three-count…
6 smart financial tips for newly married couples
After you tie the knot, there are many things that require your attention, such as setting up joint bank accounts and making a plan for living together. Finances are a big part of married life and should be considered when creating budgets…
MANDEL: The killer is sentenced to life without the possibility of parole for 18 years
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Toronto and the GTA
criminality
Abdiljibar Mahamoud beheaded his ex Brittney Newman in front of their two young children in 2018
Brittney Newman, 25, was beheaded in front of her two children by her…
Wall Street’s new enemy is a close ally of Elizabeth Warren
But it has been stalled by litigation and the Trump White House. The alternative version of his administration - released in 2020 - had no such requirement. Indeed, not much has changed yet for payday loans. Chopra will not only have to…
Proceedings of the last full day of the 2022 session
The sun rose Wednesday on the last full day of New Mexico's 30-day legislative session for 2022, as lawmakers adjourned to agree on a budget for fiscal year 2023 and the fate of many bills, including omnibus voting rights and election…
Are financial regulators too political or not political enough?
Financial regulation becomes a catch-22: Regulators are too politicized to be left unattended, but they are not politicized enough for elected officials to control them adequately.
Generally speaking, financial…
Payday loans in Norwalk Fairfield County Ct –
This is a very common situation among freelancers because their income is not the same all the time. I didn't want to ask my partner for money, so I turned to Payday-Loans-Cash-Advance.net. The potential lender was found a few…
Voting and payday loan ballots move Michigan forward | Michigan News
By DAVID EGGERT, Associated PressDELTA TOWNSHIP, Mich. (AP) — Ballots to expand voting options, restrict payday loans, and overhaul Michigan's citizens' initiative process passed the stages ahead of the state board of elections on Friday,…
Indiana Organizations Share Concern Over Consumer Loan Bill Passed in Senate | News
SOUTH INDIANA — A bill passed by the Senate on Feb. 1 is being heavily…
Mom caught driving drugs 16 TIMES over the limit dodges jail as judge tells her ‘you need…
A mum caught twice driving drugs 16 times the legal limit has walked out of court after a judge ruled she needed 'help, not punishment'.
Abbie Heaney, 31, was arrested driving her Vauxhall Astra last year after police suspected her vehicle…
Upcoming Changes to Oakville Commercial Licenses
Are you a barber, arborist, driving instructor, or one of the 36 other businesses that need a city-issued license to operate in Oakville? If so, you'll want to check out the suggested changes to the city's licensing system and have your…
Consumer Fees Come Into the Crosshairs: CFPB Seeks Public Comment on Alleged ‘Unwanted…
The Consumer Financial Protection Bureau (“CFPB”) continued to strengthen its regulatory oversight of the consumer financial services market. On January 26, 2022, the CFPB published an initiative seeking public input on so-called…
Sponsored Content: Personal Loans — Why Should You Get One?
A personal loan is usually an unsecured loan, which means you don't have to post collateral. Thus, the lender will have nothing to seize in the event of default. However, we do not encourage you to…
Piada Italian Street Food at the forefront of employee hiring and retention after partnership with…
The pay-on-demand benefit gives employees the power to choose and control their compensation, dramatically improving employee seniority and productivity
New York, NY (RestaurantNews.com) Italian street food Piadaa fast-growing casual…
Why banks are eliminating overdraft fees | Personal finance
"Overdraft fees are deeply unpopular with consumers, and consumers now have more choice," says Leigh Phillips, CEO of fintech nonprofit SaverLife and chairman of the Consumer Advisory Board of the Consumer Financial Protection Bureau.…
Pinwheel raises $50 million in Series B
Pinwheel, today announced it has raised $50 million in a Series B funding round led by GGV Capital, with continued participation from Coatue, First Round Capital and Upfront Ventures, as well as new investments from strategic partners…
What to know before borrowing
Payday loans usually come with very high interest rates and are often based on your income.
Personal loans are long-term installment loans that generally have…
BBC The Caribbean with Andi and Miquita: The life of Miquita Oliver, from Casualty star godmother to…
Miquita Oliver is the TV presenter best known for her time hosting T4. She began presenting in 2001 alongside Simon Amstell on Channel 4's Popworld. The 37-year-old had a career spanning the 2000s and has since worked in radio, hosting!-->…
Personal habits that can increase financial risk
(MENAFN - ValueWalk) When it comes to things that may pose a risk to your finances, certain activities may immediately come to mind. Investing heavily in high-risk stock options, quitting your job…
The Fed weighed in on a digital dollar. This could cause the ball to roll.
Text size
The Federal Reserve has requested public comment on a digital currency.…
Mum who couldn’t afford to feed herself pays off £9,000 debt and forgave home loan
Exclusive: Tracy Prees, 47, was £10,000 in debt at her worst two years ago after taking out overdrafts, credit cards and loans – but she has since turned her life aroundTracy Prees shared her debt journey (Image: Tracy Prees)A single mum!-->…
Four million payday and home loan customers from Provident, Greenwood and Satsuma must request…
MORE than four million payday and home loan customers are being asked to request any repayments that may be owed to them.
If you were mis-sold a loan by Provident, Greenwood, or Satsuma, you might be in line for compensation, even if…
Advocates Again Call for Legislation Capping Payday Loan Rates
Angela Espada, executive director of the Indiana Catholic Conference, shares her group's reasons for supporting legislation that would cap payday loan interest rates.Samantha Horton / IPB NewsAdvocates are once again pushing lawmakers to…
Loch Lomond Cameron House hotel posts £ 13million profit
A luxury loch-side hotel where a couple were killed in a tragic fire in 2017 made a profit of £ 13million last year. Accounts released last week show Cameron House, near Balloch, made a profit of £ 13,846,000 in 2020 - after recording a!-->…
Landscape Architect 8-10 Years – Austin, TX, US | Jobs
DTJ design
Employer:
Austin, Texas, United StatesLocation:
Thu 22 Jul 21Posted on:
Full timeType:!-->…
APTR Board of Directors to Vote on Updated Rules to Authorize DSUs and Other Affordable Housing…
LAKE TAHOE, CA / Nev. - Updated rules and the removal of some barriers that prevent more affordable housing will be considered for adoption at the next Tahoe Regional Planning Agency (TRPA) Board of Directors meeting on July 29, 2021.!-->…
My stupid elbow and the health care crisis
I have been tough on American medicine. Americans are over-tested, over-diagnosed and over-treated, I argued, because the doctors and hospitals of our capitalist culture care more about profits than patients. In 2019, I boasted Medical…
Victoria Royal Commission deputy lawyer says Crown Resorts unable to retain Melbourne casino license
The lawyer who investigated Crown Casino in Victoria says the game operator is not fit to hold a casino operating license in the state due to evidence of illegal conduct encouraged by a corporate culture that puts profit generation ahead of…
Trump’s affairs totaled $ 2.4 billion in his four years as president
Jamel Toppin for Forbes
Forbes estimates that the pandemic helped wipe out about $ 200 million from Trump's revenue last year.
In April 2017, press secretary Sean Spicer stepped onto the podium in the White House briefing…
Stop the internal wrangling over federal funding. Now!
With $ 20 billion already committed for deployments and customer subsidies, and another $ 45 billion quite possible, the broadband industry should be in boost mode. Broadband stakeholders need to stop arguing over which technologies and…
Hubert Joly turned around at Best Buy. Now he is trying to fix capitalism.
When did you realize that the way we do things just isn't working?My journey on this goes back to the early '90s. When I started at Best Buy, basic advice to investors and management was cut, cut, cut. Close stores. Everyone fire. We did…
Coombs Outdoors First High School Participants Land Internships in Jackson Hole | Schools
These aren't the trainee stories you might hear in the Big Apple; Jackson Hole summer internships provide…
Nsav Holding Inc (OTC: NSAV) Returns As Emerging Cryptocurrency Operator Expands Investments in…
Nsav Holding Inc (OTC: NSAV) continues to rise steadily with power in recent days since a brief dip below a dime after the company announced plans to launch a fully regulated cryptocurrency exchange on August 9. . Currently, NSAV is in…
Planned expansion of the Salvation Army thrift store
The Salvation Army is moving forward with plans to expand its thrift store by late July and early August.The expansion will entail the relocation of the store to better accommodate their inventory. It is still in the preliminary stages of…
Allen Weisselberg at Trump’s Scottish Golf Resort after his indictment
Allen Weisselberg, the recently indicted Trump Organization's chief financial officer, has not been the director and controller of Trump International Golf Club Scotland since Thursday.A dossier filed Thursday with Notice House, a UK…
Wonderla zooms in 19% as the complex reopens with limited capacity
New Delhi: Wonderla Holiday shares soared 19% on Tuesday after the company's hotel complex in Bangalore, Karnataka reopened on July 5.
The complex, located on the outskirts of India's Silicon Valley, will open at 50% capacity as a crowd…
Orlando Real Estate Market Update July 2021 • Benzinga
The Orlando - Kissimmee - Sanford metro area is always a bustling place for visitors as well as residents and the Orlando real estate market is booming. With its popular tourist destinations such as Walt Disney World Resort and…
Pew talks about payday loans | PYMNTS.com
These days, the payday loan is not a topic that lends itself to much rational talk. He is much more successful in attracting heated disagreements among supporters.
Opponents of the practice note that, in its most vicious form, payday loans…
2 CPD officers asleep at work – the lessons in a photo:
Two cops are taking a nap.
What more can be said?
In the photo above, two Chicago police officers are seen putting their safety at risk. Just as easily as someone walked up and took this photo, someone else could have harmed the…
Extreme winter conditions, hurricane-force winds hit the south coast of British Columbia in a third…
UPDATE - January 16, 2020: The windy and snowy winter storm that hit the south coast on Wednesday is starting to move. Conditions are less severe on Thursday, but forecasters say the region is not out of the woods yet. Find an updated…
California coronavirus eviction ban aims to help landlords and tenants
A month after the California assembly rejected a measure to give temporary mortgage relief to homeowners affected by COVID-19, two Democrats have teamed up to incorporate elements of the bill into an evictions moratorium that is…
Wescom builds small loans for a large elevator
Source: Shutterstock.
Directors at Wescom Central Credit Union in Pasadena, Calif., Were poring over comments from a member survey several months ago when they noticed a comment from a longtime member.
She recently had a major appliance…
Sterling Higa: Preventing homelessness by helping at-risk tenants
Each year, charities and state agencies spend millions of dollars on our homelessness problem, with little improvement.
Official statistics confirm this. Governor David Ige could be proud to have placed 7,392 people in permanent…
7 reasons to oppose the federal payday loan rule
In October of last year, the Consumer Financial Protection Bureau released its final rule regulating small dollar lenders, who provide loans between $ 100 and $ 500 over a two week period for an average commission of 15…
Could Payday Loans Be Banned? Amscot takes no risk
On Friday, the public was expected to weigh in on the payday lending industry before federal regulators choose terms businesses can - and cannot - offer to millions of low-income borrowers across the country.The issue is of vital interest…
It’s called Earnin. I have no idea how the business makes money
Maybe you saw the commercial for a Silicon Valley company called Earnin, in which a young woman with a busy life - a radio show, DJ gigs, guitar playing - tells how she struggles to cope.Luckily, Earnin is there for her. The company…
Undergreed: Payday lenders offer cash at 1300% interest rates to desperate students
Dozens of online brokers advertise loans worth between £ 50 and £ 3,000 and some offer to pay off in just 15 minutesFormer student Kerri, 25, borrowed £ 600 at super high rates from payday loan companies to cover food and billsPayday!-->…
Alternatives to payday loans
The payday loan industry is booming in Australia, and it is pushing thousands of Aussies into a debt trap. And it's just not here. An increasing number of people around the world rely on these unsecured loans as a quick fix when they…
Payday Lenders: The Dark Truth Is We Need Them, But It Doesn’t Have To Be This Way
The post-GFC economy may have poured sand into the gears of many companies, but one industry is booming: payday lenders.In fact, over the past 10 years, the demand for these lenders has increased 20-fold, offering small loans to desperate…
DID TRUMP MAKE AMERICA GREAT?
*This is an opinion blog*
Don Juravin Reviews
Don Juravin is an American with a Middle Eastern and European heritage. An expert in the fields of the Bible and…