Scott Dixon’s Crew Wins Indy 500 Pit Stop Challenge

James Hinchcliffe's crew defeats Team Penske to make it to the finals

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When you put a lot of hard work into one goal and you achieve it, that’s a really good feeling.

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A journey is best measured in friends, rather than miles.

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Opportunity is missed by most people because it is dressed in overalls and looks like work.

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Whoever is happy will make others happy too.

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Let us sacrifice our today so that our children can have a better tomorrow.

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There is nothing permanent except change.

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Work out your own salvation. Do not depend on others.

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All that we see or seem is but a dream within a dream.

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Our work is the presentation of our capabilities.

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RBS to wind down £1bn well worth of contentious local council loans


Royal Bank of Scotland aims to wind down the remainder of approximately £1bn in controversial bank loans held by local authorities throughout u . S. A . after criticisms that high bills have diverted cash from council offerings. Campaigners have welcomed the flow, which observed similar efforts made with the aid of Barclays in 2016 and comes as both creditors face a string of court cases. The loans were criticized with the aid of activists and the shadow chancellor, John McDonnell, who stated councils had been at the hook for costly hobby bills that might have been diverted to neighborhood services already squeezed by spending cuts. Campaigners towards the loans estimate that the cancellation of so-called lender choice borrower alternative loans, or Lobo loans, ought to in the end shop taxpayers £16bn over the following 40 years.

Business Today: join up for a morning shot of monetary news. Read greater The Guardian is familiar with that RBS is working to wind down the loan portfolio using the end of the yr. The main way it is doing this is through mortgage redemptions: permitting customers, including local authorities, to pay back the loans in advance than their original contracts allowed, with a few provided a reduction on their compensation as an extra incentive. RBS – which continues to be 62% owned through the taxpayer considering that its 2008 bailout – has drastically decreased the loans portfolio over the last two years and is expected to completely go out its role at the Lobos by using the stop of 2019.

council loans

Birmingham, Kent, Northamptonshire, Sheffield, and Newcastle are some of the councils to gain the early exit provide. Lobos had been famous among councils within the early 2000s. One of the primary attractions had been their teaser hobby costs that kept charges low inside the quick-term however proved steeply-priced as austerity and spending cuts took the keep. The loans gave banks the energy to elevate hobby prices at certain factors over their lifetime, accounting for the “lender choice” of the mortgage agreement. Although borrowers had the choice of rejecting those phrases, it would trigger a clause forcing them to straightaway repay the loan incomplete. An RBS spokeswoman said: “Whilst we can’t speak individual cases, some of our nearby authority customers keep legacy, long-dated, Lobos loans.

We work on a case-through-case basis with all our clients, and, as ever, arrangements are confidential. We price all our clients and are open to discussing restructuring or refinancing of such loans in which useful for the consumer.” Fellow high avenue financial institution Barclays converted its Lobos to constant-term loans years ago, even though hobby bills had not always been affected and breakage costs had been handiest barely reduced. But efforts to segment out the loans haven’t stored either bank from felony action. East London authority Newham is suing both RBS and Barclays over the terms of the loans, having borrowed about £578m in Lobos between 2003 and 2010, in step with statistics compiled using the marketing campaign institution Debt Resistance UK.

A comparable lawsuit was launched towards Barclays by seven local councils such as Greater Manchester and Leeds over the terms of nearly £573m in Lobo loans taken out among them. Their high court claim centers on how hobby costs on the one’s loans were encouraged via the London interbank presented price (Libor). Barclays is among the lenders that have been fined for Libor rigging since the banking crisis. A Barclays spokesman said: “Barclays has filed a defense and will vigorously guard those claims.” Joel Benjamin, a campaigner for anti-Lobo lobbying group Research for Action, said: “It’s exceptional to look RBS ultimately shifting to unwind its Lobo mortgage portfolio, years after Barclays decided to do the same.”

But he said he changed into amazed that RBS is “abruptly imparting councils steep reductions to go out Lobos in a hearth-sale,” given that RBS had formerly stated there was no trouble with the complex loans. “Could or not it’s that a tone-deaf RBS has, in the end, worked out Lobo lending to bankrupt councils like Northamptonshire isn’t always an amazing appearance?” He said breakage expenses for some of the loans have been decreased from greater than two hundred% of the mortgage expenses to approximately 70% to eighty%, “ensuing in multimillion-pound savings for councils and taxpayers, and a corresponding loss for taxpayer-owned RBS.”