Jose Carlos Matos Wed, 29 Jun 2022 10:28:00 +0000 en-US hourly 1 Jose Carlos Matos 32 32 Music Memories Museum celebrates music stars past and present Wed, 29 Jun 2022 10:28:00 +0000 It’s a celebration of the music and the stars and voices of the past and present that have shaped the soundtrack of our lives. Inside the Main Street Market antique mall in downtown Swainsboro is a one-of-a-kind collection. From a scarf worn by the Godfather of Soul to a shirt worn by the King and thousands of pieces of music history on display to the public, free of charge, six days a week. The Music Memorabilia Museum is full of memorabilia, clothing, autographs and other unique items collected by Michael Brillant over the years. Brilliant is no stranger to the music industry. He is a Southern Gospel singer who has enjoyed worldwide success. Bright was the first Southern Gospel artist to have 5 songs in the Top 25 simultaneously in the UK. Two of the songs went to number one and remained on the charts for nearly a year.Michael Bright is part of Swainsboro’s incredible musical history.Hank Williams Jr. performed onstage at the Nancy Auditorium in Swainsboro on the 22nd March 1958. It was the first -ever live performance for the music legend, he was only eight years old. While the music is no longer played at the Nancy Auditorium, the legend of artists like Bocephus lives on about a mile and a half away at the Music Memories Museum. For more information about the museum and the Michael Bright collection, visit their website at https://musicmemoriesmuseum .co… or follow them on Facebook …

It’s a celebration of the music and the stars and voices of the past and present that have shaped the soundtrack of our lives.

Inside the Main Street Market antique mall in downtown Swainsboro is a one-of-a-kind collection.

A scarf worn by the godfather of soul over a shirt worn by the king and thousands of pieces of music history on display to the public, free of charge, six days a week.

The Music Memories Museum is filled with memorabilia, clothing, autographs and other unique items collected by Michael Bright over the years.

Bright is no stranger to the music industry.

He is a Southern Gospel singer who has enjoyed worldwide success. Bright was the first Southern Gospel artist to have 5 songs in the Top 25 simultaneously in the UK. Two of the songs went to No. 1 and stayed on the charts for almost a year.

Michael Bright is part of Swainsboro’s amazing musical history.

Hank Williams Jr. performed on stage at the Nancy Auditorium in Swainsboro on March 22, 1958. It was the music legend’s first ever live performance, he was just eight years old.

While the music is no longer played at the Nancy Auditorium, the legend of artists like Bocephus lives on just over a kilometer away at the Music Memories Museum.

For more information about the museum and the Michael Bright collection, visit their website at… or follow them on Facebook…

‘A Chorus Line’ at PA Shakespeare Festival struts fabulously Tue, 28 Jun 2022 11:00:48 +0000

When “A Chorus Line” opened on Broadway in 1975, it became the hottest ticket in New York’s theater district. Now, some 47 years later, the Pennsylvania Shakespeare Festival production (through July 9 on the main stage of DeSales University’s Labuda Center for the Performing Arts) proves it’s still a singular sensation.

Originally slated for PSF’s 2020 season, the musical features a host of Broadway and off-Broadway actors in its 27-member cast. The production is directed and choreographed by Luis Villabon, whose intimate connection to the show includes having played the role of Paul in 13 national and international productions.

The show impresses from the opening curtain, with a huge array of floor-to-ceiling mirrors at the back of the stage reminiscent of a dance studio. But more than that, they reflect not only the actors but also the audience – a striking visual effect that in itself serves as a metaphor for the world of theatre. When the mirrors disappear, the visual effect is minimalist, with distinctly theatrical lighting evoking the bare stage of a Broadway theater.

On this stage, 17 dancers audition for spots on a chorus line as director-choreographer Zach (played by James Harkness) pulls them one by one from the line to find out more about them. Harkness is wonderfully intimidating in the role, especially when you hear his booming disembodied voice offstage.

What we hear from Zach’s ruthless interrogation are various tales of misfortune and unhappy childhoods ranging from discovering he was gay to mastering an unattractive figure through breast enhancement. This last track is the basis of the hysterical number “Dance: Ten; Looks: Three,” where Kathryn Brunner as Val is wonderfully animated as she explains that it’s not just about talent – ​​tits and butt matter just as much. The ultra-sexy and sassy Sheila, delightfully played by Madison Finney, doesn’t have to worry about such deficiencies.

Eddie Martin Morales as Paul is touchingly dignified in his tale of discovering his homosexuality, unlike the over-enthusiastic Richie, wonderfully played by Shaun-Avery Williams, who leaps onto the stage with muscular grace. “A Chorus Line” is the ultimate ensemble musical, and Villabon’s directorial talent merges all of these disparate stories seamlessly.

The main theme of the show – the desperate need to perform – is something the entire theater community can relate to during the pandemic shutdowns, and nowhere is the idea better delivered than by Cassie’s impassioned performance, played by Sissy Bell. Her desperation to get back to dancing after a self-induced mental block was downright palpable.

Bell gets one of the longest spots in the musical, with a gorgeous voice and dancing with the perfect blend of confidence and self-doubt in ‘The Music and the Mirror’ – a marathon performance indeed. The orchestra, led by music director Andy Peterson, was in particularly strong form here, as throughout the show.

Some critics of “A Chorus Line” called the prolonged exchange between Zach and Cassie (former lovers) over her joining the dancers a weak point too much like a soap opera. I did not find this case in the PSF production; in fact, it was quite compelling to watch the two argue as the dancers behind them performed their moves with mask-like smiles on their faces.

At the very heart of “A Chorus Line” is dancing, and Villabon faithfully captures Michael Bennett’s snappy moves and snappy kicks. These can be angular, jazzy, balletic, or even goofy, depending on a character’s story and personality. The kaleidoscopic number “Hello Twelve”, about traumatic childhood memories, was a real tour de force.

The iconic “One” was a multi-sensual feast of high kicks and high hats, with the dancers wearing identical uniforms so that everyone blended into a gigantic shimmering golden blur that was singularly sensational.

When: Until July 10

Where: Main stage at Labuda Center for the Performing Arts at DeSales University, 2755 Station Avenue, Center Valley

Tickets and info: or 610.282.WILL

Matt Schofield and his trio arrive in Australia in November Tue, 28 Jun 2022 00:50:14 +0000

Lyrics by Eli Duxson

Launching new material in their exclusive series of club shows

Guitar virtuoso and one of the greatest British blues men of all time, Matt Schofield, features his trio for an exclusive series of “unforgettable” club shows this month of November.

What do you want to know:

  • Matt Schofield and his trio are heading into this November.
  • It will be part of an exclusive series of club shows.
  • They will be debuting new material from their 20th anniversary album.

Check out all the latest touring news here.

Jonny Henderson (keyboards/bass) and Evan Jenkins (drums) form the trio whose live shows elevate Schofield to an even higher echelon than previously thought possible, as his authenticity, guitar proficiency, voice soul and his improvisational brilliance come to life within his innovative original compositions.

Schofield is a bit of a musical chameleon who can do it all as a multi-award-winning guitar virtuoso, singer, songwriter, producer and bandleader, as well as a three-time ‘British Blues Guitarist of the Year’ and ‘British Blues Album of the Year’ winner.

He was also the first guitarist inducted into the “British Blues Awards Hall of Fame” with his smooth, melodic playing and iconic tone inspiring legions of guitarists, paired with a sought-after range of signature instruments and gear, including a Two-Rock amplifier Matt Schofield. .

“After more than 30 years of performance and 20 years of solo career, Schofield’s impact as one of the most influential and distinctive guitarists of his generation is unquestionable,” read a press release.

Don’t miss your chance to see Matt Schofield perform live in Australian venues for the first time.

As a bonus, the Matt Schofield Trio have a 20th anniversary album in the works – with the Australian tour being the start of new material performed live.

Find the tour dates in the image below.

The visit will be presented by Gerrard Allman Eventshead toward their website for ticketing information.

Who should refinance at 6% rates? Five Examples (Podcast) Mon, 27 Jun 2022 18:30:36 +0000

Should You Refinance When Rates Rise?

It’s no secret that mortgage rates are on the rise. In reality, according to the latest figures from Freddie Mac30-year rates recently saw their strongest rise since 1987 before reaching 5.81% on 23 June.

If you are a homeowner, you may be wondering: did I miss the opportunity to refinance?

Mortgage expert Ivan Simental addressed the subject on a recent episode of The Mortgage Reports podcast — and what he says might surprise you.

Listen to Ivan on The Mortgage Reports podcast!

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Should I refinance? It depends

To refinance or not to refinance? For some, Simental says, it’s probably not the best time. For others, though? It depends on their unique scenario.

“With interest rates on the rise, now is probably not the best time to refinance for many homeowners,” Simental says. “However, the calculation is not always as simple as comparing a new interest rate to the old one. Other factors must be taken into account. »

These factors include:

  • How long you plan to be in your home
  • The total cost of your refinance

Specifically, Simental says, you want to make sure you’re in the house long enough to recoup your refinance costs. “When you refinance your mortgage, it typically costs between 1.5% and 4% of the loan amount, although it depends on the state.”

That would be about $10,000 on a $500,000 mortgage. You want to be in the house long enough for your refinance to save you at least $10,000 to make this move worthwhile. This is called your “break even point”.

“Refinancing might not be the smartest idea if you’re planning on moving in the near future,” he says.

Five examples of when refinancing still makes sense

Despite rising interest rates, there are still scenarios where it makes sense for some homeowners to refinance. According to Simental, these reasons include:

1. Lower your interest rate

The main reason to refinance would be to reduce your interest charges.

“If rates have gone down since you bought, you can do a rate and term refinance and just get a lower rate and payment,” says Simental. “As a general rule, it’s better if you can lower your interest rate by 0.5 to 0.75 percentage points, so 6% to 5.5% or 5.25%.”

Even when rates hit 5%, there were still over a million borrowers who could lower their rates and save money through refinancing. This could be true if you bought your home before 2008 or if your finances have improved since you bought your home, allowing you to qualify for a lower rate now than you could initially.

You also want to make sure you’re in the house long enough for your new interest rate to save you more than the cost of refinancing you need to run.

While you can technically factor your closing costs into your loan amount, they add to your balance and interest charges over the long term, so it’s important to do the math and make sure it’s worth it. sadness. A good mortgage advisor can help you crunch the numbers and see if it would make financial sense in your scenario.

2. Consolidate Higher Interest Debts

Refinances can also be good debt consolidation options, as mortgages generally carry lower interest rates than other financial products, such as credit cards and personal loans, for example.

“You can use cash refinance to tap into your home’s equity and pay off higher-interest debt,” Simental says. “You can use the money to pay [those debts] down or completely.

This would lower your long-term interest costs and free up monthly cash flow, which you could then save or invest in other projects.

3. Get rid of mortgage insurance

If your current loan has mortgage insurance, refinancing can help you get rid of PMI and lower your monthly payment. You just have to wait until you have at least 20% equity in the property (when your mortgage balance is 80% or less than the appraised value of the house).

Getting rid of mortgage insurance could save you around $1,000 to $2,500 a year on a conventional $300,000 home loan.

“If over the last year or two your home has gone up in value and you now have that 20% equity, you can refinance and get rid of your private mortgage insurance,” says Simental.

On average, the PMI costs about $30 to $70 per month for every $100,000 borrowed on a conventional mortgage. This means that if you have a $300,000 home loan, removing the PMI could save you around $90-210 per month or $1,000-2,500 per year.

With those kinds of savings, it may not take long to recoup your refinance costs and see a net financial benefit.

4. Switch from an adjustable rate mortgage to a fixed rate mortgage

If you have an adjustable rate mortgage, refinancing might also make sense, especially if your fixed rate period is about to expire.

“Let’s say you got a seven-year variable rate mortgage, you’re in year 6.5, and your mortgage will soon adjust to a much higher interest rate,” says Simental. . “What you would do is refinance and turn it into a 15, 20, or 30 year fixed mortgage, and you don’t have to worry about the rate adjusting.”

Fixed rates are higher today than they have been for the past two years. But they could still rise – and homeowners who lock in interest rates today might be happy that their rate doesn’t adjust even higher later.

5. Shorten the term of your loan

Shortening the term of your loan can also be a good reason for a refi. While switching from a long-term loan to a short-term loan (such as a 30- to 15-year loan) will not reduce your payment, it will reduce your long-term interest costs. It may also entitle you to a lower interest rate, which will save you even more in the long run.

As Simental says, “It could save you thousands of dollars.”

When is refinancing a bad move?

Essentially, Simental says, if you’re planning to move soon and aren’t sure you’ll break even on your costs, it’s probably not a smart move to refinance.

If your credit is poor, refinancing might also be ill-advised. “It’s about your credit being good enough to qualify for the right refinance loan,” Simental says. “After all, the best rates and terms go to those with the best credit.”

If you’re unsure whether refinancing makes sense for you, contact a mortgage professional for expert advice. They can run the numbers and see if refinancing would work in your favor in the long run.

As Simental says, “In general, if refinancing saves you money, helps you build equity faster, or pay off your mortgage faster, it’s a good decision.”

The information contained on The Mortgage Reports website is provided for informational purposes only and does not constitute advertising for products offered by Full Beaker. The views and opinions expressed herein are those of the author and do not reflect the policy or position of Full Beaker, its officers, parent company or affiliates.

Makes us all happy and proud Mon, 27 Jun 2022 11:12:48 +0000

There are a few days left until the end of Pride month. More and more artists are making us proud of their accomplishments and their contributions to making our world a happier and more tolerant place for all.

Actor, producer, philanthropist and businessman RS Francisco’s self-imposed break from show business that began during the pandemic may soon be over. He recently announced that there will be a major collaboration between his team at multi-level marketing empire FrontRow and AQ Prime, the newest player in the entertainment streaming circuit.

“We have thought about and laid the groundwork for these new projects, making sure we are ready before launching para pasabog talaga. I will be hosting Love or Lie at First Sigh, which is billed as the biggest and first ever Boy Love (BL) reality show starring Sachzna Laparan and the oh-so-hyper Rob Sy, and created by our director Afi Africa . And there will be more announcements in the coming days.

Francisco shared that he also misses acting for film and television, and who knows, something might already be brewing as he was recently spotted meeting with film industry leader Liza. Diño and the bosses of AQ Prime.


THE brave and handsome Markki Ströem continues to take on racy and risky projects that showcase his boldness and versatility. We were among the first group of guests to see Brillante Mendoza’s latest film, Virgin Forest, where Ströem plays the antagonist.

Known for being brave, bold and beyond stereotypes, Ströem showed off a lot of his beautiful skin in the film, letting go of all inhibitions. He is also happy to be part of the revival of the musical Mula sa Buwan, scheduled for a limited run from August to September at the Samsung Circuit Performing Arts Theater in Makati City.

Additionally, Ströem has spread its wings and recently launched its swimwear brand, MXXI. Man of the Philippines 2022 contestants wore Ströem’s designs for the duration of the contest in June.


ACTOR, Producer and Mister Congeniality Toni Co of showbiz divides his time between playing important and often funny characters in movies and engaging in live streaming activities and social media talk shows. Much appreciated by his multitude of friends from the world of cinema, he has just completed three films: Bakas ni Yamashita, Nabe and Sugat sa Dugo.

Co also got into the restaurant business recently, investing in an all-grill hangout he and his actor-magician business partner named Patuhog ni Ivan in Marikina City.


MTV is currently focusing on local LGBTQ+ artists to read and respond to anonymous fan submissions on all things love throughout Pride Month, even through July. And one of the featured artists is our very own Jake Zyrus.

Zyrus, along with other proud artists, like K-pop singer Holland, Thai singer Pyra, Clinton Jerome Chua from Borneo, Malaysian band Shhh…Diam! and American pop star Hayley Kiyoko will show off the locks in a series of #MTVTellUs videos posted weekly on MTV Asia’s Instagram and YouTube channels.

“Catch this special edition of MTV Asia,” Zyrus shared, adding, “It’s not only a breath of fresh air, but it’s also insightful as we tell our stories.” Additionally, MTV Asia presents its LovingOutLoud playlist, the perfect soundtrack for Pride.


The just-concluded PelikuLaya Film Festival is very personal to the President of the Film Development Council of the Philippines (FDCP), Liza Diño. “The struggles and challenges of the LGBTQ+ community continue, and I believe more dialogue and rhetoric is needed to help the community achieve the rights we want and have long fought for. Films are an important means of sending messages to the general public and to authorities, in particular to legislators. »

The festival featured films and documentaries from around the world, including two from the Philippines: Gameboys and Big Night.

Diño is married to musical artist Ice Seguerra, and their romance continues to inspire many. “Love wins. Always,” she reminded us.


FUNNY man, social media hotshot, part-time actor, talent manager and family man, Ogie Diaz is indeed a rare breed. His good heart has been constantly bruised but he remains unfazed because kindness and generosity are innate in him.

Diaz recently made headlines when his longtime ward, actress Liza Soberano, decided to end their actor-manager relationship by signing with actor James Reid’s new company Careless Music.

Diaz took it all in stride by sharing that Soberano wanted more creative freedom and control in his career. “We parted ways amicably. I assured him that I am only a phone call away. I wish him the best on his new journey.

RS Francisco, Markki Ströem, Toni Co, Jake Zyrus, Liza Diño and Ogie Diaz are just a few of the many who continue to raise the colorful rainbow flag in their own unique way, with their exceptional strength and inspiring courage, to make this world a better, fairer and happier place. Happy Pride!

CHRONICLE: MUNA embraces the complexities of joy with their third album Mon, 27 Jun 2022 01:17:00 +0000

At a glance, MUNA’s self-titled album – their third album and debut on Phoebe Bridgers’ Saddest Factory Records – is comprised of 11 tracks of synth-pop joy, a perfect soundtrack for the summer of dreams. of any queer person. Exuberant dance pop mixes with hopeful introspection, allowing the trio’s full range of talents to shine.

However, to discuss this album as a stand-alone work does an injustice to the album’s underlying themes. On their first two albums, the Los Angeles-based trio of Katie Gavin, Josette Maskin and Naomi McPherson openly share how relationships and life’s complexities have left them wary and heartbroken. “MUNA”, on the other hand, shows that the group puts itself first.

Between the release of their second album, “Saves the World”, in 2019 and now, MUNA’s approach to feelings and emotions has completely evolved for the better. The catalyst for this change may have been the COVID-19 pandemic, or perhaps their former label RCA suddenly dropped the band between albums. Either way, the change that allowed this album to be created is what sets it apart from all of their previous releases.

This growth can best be seen on the string “Kind of Girl”, an ode to self-compassion and learning to take space in your own life. With every line she sings, singer Gavin seems to learn to be kind to herself, despite being aware of her flaws. Gavin sings: “Yeah, I like to tell stories / But I don’t have to write them in ink / I could always change the ending / At least I’m the type of girl / I’m the type of girl who thinks I limp.”

For MUNA, self-awareness has become a tool to learn how to put themselves forward, instead of just being a reminder of all the ways they remain flawed as people. On “Home by Now,” the album’s third single, Gavin reflects on a relationship she ended because she knew it would end up being destructive. However, she cannot escape the questions raised by this choice by singing “Would we have turned a corner if I had waited? / Should I lower my expectations? If we had kept moving in the same direction / Would we already be home? »

On “Anything But Me,” Gavin tells a former lover that she’s ready to be there for them any way she can – from a distance. The song stands out on the album because the maturity required to be ready to be there for an ex-lover while putting yourself first gives listeners something to aspire to.

The closing song, “Shooting Star”, is the perfect way to wrap up the album. With ethereal production and Gavin’s smooth vocals, the song uses shooting stars as a metaphor for staying out of the way of someone who will only burn out. Gavin sings “And that’s what you are, you’re so bright / You burn my eyes and you move too fast / So I say ‘Goodnight, come home’ like I’m making a wish.”

The themes of growth, compassion, and the joy that accompanies them are allowed to shine through through the production of the album, which was done by the members of MUNA. The band’s signature synth-pop takes on a new form on this album, drawing on influences ranging from Americana to Disco.

“What I Want” is a carefree dance pop masterclass. On the track, Gavin sings “I want to dance in the middle of a gay bar” and makes listeners want to join her. “Solid” is a glam rock-inspired summertime anthem about a self-assured person whom Gavin looks up to. The infectious chorus radiates happiness and is easy to sing.

From incredible sound to cathartic lyrics, “MUNA” ushers us into a new era of MUNA. By being open about the difficulties that come with putting themselves forward, the band lets the listener know that it’s okay to struggle while learning to grow. MUNA shows us how they grew as people and in doing so also encourages listeners to find a new version of themselves.

The man behind the Tabernacle choir for 22 years is retiring Sun, 26 Jun 2022 17:03:45 +0000

Estimated reading time: 2-3 minutes

SALT LAKE CITY — One of the great legends of the Tabernacle Choir and Orchestra at Temple Square is retiring.

For 22 years, Barry Anderson managed the logistics of moving 700 people on tour around the world, among other feats. It was a job that required an extremely organized brain, a great sense of humor and a lot of faith.

“You have all your contingencies and your backup and everything went well, and it was the protection of the Lord on his choir,” said Anderson, who also credits his wife for supporting him through long nights of planning. and long journeys. “I’ve said it many times, I have the perfect wife for what I’ve done for the past 20 years.”

Music director Mack Wilberg raises his arms in appreciation for the performance of the Mormon Tabernacle Choir and Orchestra in Temple Square during a concert in Brussels, Belgium, July 11, 2016.
Music director Mack Wilberg raises his arms in appreciation for the performance of the Mormon Tabernacle Choir and and Orchestra in Temple Square during a concert in Brussels, Belgium, July 11, 2016. (Photo: R. Scott Lloyd, Church News)

Music director Mack Wilberg said he never worried about logistics because he knew Anderson took care of every detail.

“What I’ve always appreciated about Barry is that he always said the music comes first and then everything will fall into place,” Wilberg said.

“Seeing them perform and seeing people in the audience crying and all that kind of stuff, and really feeling the message, that was the best part of my job,” Anderson said.

When planning tours, Anderson said he doesn’t start at the beginning.

“I see everyone coming home, getting home safely, and then I’m working backwards. It’s kind of weird like that. I’m thinking of all the places we’re going and the route is cemented in my head.”

Anderson has toured for The Tabernacle Choir to some of the world’s best concert halls and most famous venues in over 30 countries, rain or shine.

“I used to tell people when we would introduce the choir, they would say, ‘Well, what about the weather?’ Oh, don’t worry about the weather, we never got wet.

However, one concert required the use of a helicopter to dry the grass after a downpour in Cincinnati.

“It was 20 feet off the ground and it was drying the grass, because in that place you were sitting outside,” Anderson recalled.

The scorching heat, flat tires and sparse hotel rooms were also no match for Anderson.

“We literally went from hotel to hotel to hotel to grab all the available rooms.”

In addition to his touring duties, Anderson also handled human resources and conducted the Orchestra in Temple Square.

“He is one of many people behind the scenes who have been the secret to the success of the choir organization for many years. I think to say he will be missed is an understatement,” Wilberg said.


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Irish guitarist raises $250,000 for Ukraine by raffling off a rare guitar Sun, 26 Jun 2022 09:56:21 +0000

A Galway guitarist is raffling off one of his rarest guitars to raise money for Ukraine, already raising a whopping $250,000 in the online contest.

Jamie Harrison, a native of Oranmore with over 250,000 YouTube subscribers, was shocked by the Russian invasion of Ukraine in late February and decided to raffle off one of his most prized guitars to help make the difference.

Harrison’s Austrian apartment is adorned with expensive guitars and he decided to give his fans a chance to win one of his most prized possessions to help raise money for people and animals affected by the invasion.

He’s offering fans a chance to win his Fender 1956 Custom Shop Stratocaster (estimated value of $7,000) that he’d spent several years buying for himself.

The amount each entrant donates will determine how many times they are entered into the online draw, with a £1 donation equal to one entry.

Harrison, who teaches around 40,000 students through online guitar lessons, has struck gold with his predominantly American fan base, already raising a total of €238,000 ($250,000) for the Cross- Ukrainian Red and the World Food Kitchen, which helps feed those affected by the ongoing Yemeni conflict. Civil war.

The Russian invasion of Ukraine has caused a new food shortage in Yemen due to a grain shortage from Ukraine.

The proceeds will provide huminative aid to the people of Ukraine and support for animals abandoned or trapped during the conflict. Participants can choose which campaign their money goes to.

Harrison is also raffling off three “everything bundles” consisting of every song and general course he’s ever created, in addition to hundreds of videos, tabs, books and resources. Everything packages are worth around £700 ($858).

It also raffles off dozens of individual lessons as consolation prizes.

For more information on the current competition, Click here.

Musicians unite to create special ‘Ayrshire Folk For Ukraine’ fundraiser Sat, 25 Jun 2022 18:30:00 +0000

Ayrshire folk singers and musicians are banding together for a charity event next month to raise money for Ukrainian refugees.

Ayrshire Folk For Ukraine will be presented at the Gaiety Theater in Ayr and musicians from the city, Irvine and beyond are gearing up to take part.

The organizers have finalized the program and already 30 performing professionals and club singers have registered for the three and a half hour musical fundraiser.

It is hoped that the event will be sold out.

A spokesperson for the organizers said: “Ayr Phoenix Folk Club joins the ranks of the Gaiety Theater for a fundraising concert in support of Ukrainian refugees, featuring professional performing artists and volunteer singers from folk clubs across Ayrshire.

“Ayrshire Folk For Ukraine will be a folk music gala concert organized to make a large and much needed financial donation to Ukraine’s current dire humanitarian cause.”

The Ayrshire Live app is available to download now.

Get all the local news in your area – plus features, football news and the latest on the coronavirus crisis – at your fingertips 24/7.

The free download features the latest breaking news and exclusive stories while you can customize your page with the sections that interest you.

The Ayrshire Live app is available to download now on iOS and Android.

The evening program is presented by main guests Alastair McDonald, Fraser and Ian Bruce and Gavin Patterson, supported by the Dalrymple Ladies Ukulele Orchestra and the Folk Club Floor Singers – with a special appearance by Ukrainian musician Vlada Kupriyanova.

Irvine Folk Club has already organized a bus with 46 of their local audience ready to attend.

The concert, which will take place on Wednesday July 13 from 7 p.m., will be produced and produced by Ayr Phoenix Folk Club, in association with Irvine Folk Club, Girvan Folk Club, Dalry Folk Club, OIR Folk Club, Girvan Traditional Folk Festival and The Theater of Joy.

A spokesperson added: ‘The excitement is really building. This is an excellent humanitarian fundraising collaboration from the Ayrshire folk community for such an important cause, truly reflecting how ‘We are ‘Jock Tamson weaning’ is not just a virtue of ‘Scottish human equality.’

To book tickets, go to

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]]> Rising interest rates mean it’s time to eliminate your credit card debt Sat, 25 Jun 2022 14:00:20 +0000

(NerdWallet) – Credit card debt can be difficult to manage, even at the best of times, but ever-higher interest rates are adding to that challenge.

The Federal Reserve announced a 0.75% increase in the federal funds rate – its biggest hike in nearly 30 years. Increases in this rate tend to make borrowing more expensive, which means maintaining a balance on your credit card can become more expensive.

But by creating a plan to pay off your credit cards in the coming months, you can save money on interest. Whether you’re tackling debts one at a time or consolidating under a fixed rate product like a personal loan, there are strategies that can help.

Why You Should Prioritize Credit Card Debt

Most credit cards have a variable interest rate, which means the rate can go up and down depending on a few factors, including market conditions. While fixed rate products like personal loans may not see as much change in interest rates when the fed funds rate rises, variable rate products like credit cards likely will.

Higher rates on credit cards mean people will start paying more for a balance, at a time when household budgets are already stretched due to rising consumer costs, says property expert Jeff Arevalo. -be a financier at the non-profit credit counseling agency GreenPath.

It can also mean that progress on other important goals, like saving for a house, is being sidelined as more people focus on making ends meet. However, Arevalo says there is still plenty of time to get ahead of a rising rate environment.

“When [the Federal Reserve increases] interest rates, it can take a month or two for it to have a full impact on credit cards, so ideally consumers can be proactive,” he says. “If you know these changes are coming and you’re carrying these higher credit card balances, the key is not to be paralyzed by fear.”

Tackling Your Credit Card Debt: First Steps

Brittany Davis, a certified financial counselor who works with people struggling with credit card debt, says the first steps to getting out of debt can be the hardest for clients.

First, you have to face the extent of your debt. Davis advises keeping track of your balance, minimum monthly payment, and interest rate for each credit card to get an overview of what you owe.

Then, she says, you can use an online tool, like a debt repayment calculator, to plug in the numbers and compare different strategies. Two popular winning strategies are the avalanche and snowball methods. With the avalanche method, you start with the debt with the highest interest rate and work your way down, which generally saves you time and money on interest. With the snowball method, you start with the smallest debt and progress gradually, which builds motivation.

Another advice from Davis: Stop using your credit cards for now, which means looking at what sites and apps they’re already linked to. While you might remember not using a credit card when you make a big purchase, it’s the small, recurring expenses like monthly subscriptions that surprise you.

“Money moves fast now,” Davis says. “It’s easy to forget where our maps are linked. If you’re really serious about not using a credit card when paying, be sure to switch those accounts to a debit card.

Other Strategies to Fight Credit Card Debt

If your debt feels too overwhelming to deal with the avalanche or snowball method, there are other strategies that can help lighten the load.

Negotiate with your creditors. It never hurts to phone your creditors and ask what they can do for you, says Davis, especially if you already have a relationship with them. Your bank or credit union may provide a lower rate, waive fees, or provide a higher credit limit, which may reduce your use of credit and help you access low-interest financing at home. ‘coming.

Beware of the effects of what you ask. For example, extending a higher credit limit may require high credit demand, which may temporarily knock a few points off your credit score.

Consolidate your debts. If you have high-interest debt on multiple credit cards, consolidating is a smart move, especially if you qualify for a lower rate than you’re getting on your current debt.

At 0% balance transfer card is one of the best ways to consolidate your debt if you have good or excellent credit (FICO score of 690 or higher). These cards charge 0% interest for a promotional period – sometimes up to 21 months – so if you transfer your debts to the card and pay it off during this period, you won’t pay any interest. Some cards charge a balance transfer fee, usually 3% to 5% of the total transferred.

If you are not eligible for a balance transfer card, a debt consolidation loan is another good option. These loans are available to borrowers from all credit backgrounds, but they charge interest, which is fixed over the term of the loan, so you’ll make the same payment each month.

Contact a credit counseling agency. Finally, you don’t have to go it alone. Arevalo recommends finding a reputable, nonprofit credit counseling agency that can help you budget, negotiate with creditors, or get into a debt management plan.

A debt management plan typically consolidates credit card debt at a lower interest rate and gives you a three to five year repayment plan. You may be charged a start-up fee and monthly fee for using this service.