Monthly Archives: April 2022

About 150 people attend the Denim & Dining 2022 fundraiser for the Hoover City Schools Foundation

About 150 people attended the Hoover City Schools Foundation’s annual Denim and Dining fundraiser in Aldridge Gardens on Friday night to raise money to fund teacher grants for innovative classroom projects. The net amount raised had not been calculated Friday evening, but the foundation’s executive director, Shelley Shaw, said she …

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Critical Investigation: Corporate Financial Services (NASDAQ:EFSC) vs. ServisFirst Bancshares (NASDAQ:SFBS)

Enterprise Financial Services (NASDAQ:EFSC – Get Rating) and ServisFirst Bancshares (NASDAQ:SFBS – Get Rating) are both finance companies, but which is the better stock? We’ll compare the two companies based on valuation strength, profitability, dividends, analyst recommendations, risk, earnings, and institutional ownership. Benefits and evaluation This table compares the gross …

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4 Star S Braxton Myers Recruitment Profile

As the 2022 football season approaches, Auburn Wire will review every player who receives a scholarship offer from the Tigers. Ahead of National Signing Day, each profile will cover where the player is from, how scouting sites rate them, as well as what their role could be for Bryan Harsin. …

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10 invasive plants that can also trigger allergies

Cloth 10 invasive plants that can also trigger allergies Every spring, many people think of allergies. Common allergens are plants or weeds known as noxious weeds. Federal, state and local authorities legally classify weeds or noxious plants as harmful to people, wildlife and agriculture. Many noxious plants or weeds are …

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Food Desert Regions Use Federal Funds to Bring Healthy Foods to Communities | Food

Communities across the United States are using federal stimulus money to bring groceries and healthy food to food deserts as the pandemic and rising costs put nutrition even further out of reach for many. Areas using U.S. bailout funds include the Fort Belknap Indian Reservation in Montana, a 1,000 square …

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To Ukraine with love from a Tuscaloosa family

TUSCALOOSA, Ala. (WBRC) – A west Alabama family wants the people of Ukraine to feel the love. In recent weeks, most of Rumanek’s children have been working on special projects and selling them to raise money for the injured and suffering in this country. The kids didn’t just make dozens …

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How to watch the 2022 NFL Draft

It’s finally time for the 2022 NFL Draftand if you’re wondering how to watch the action live, you’ve come to the right place. As for the Auburn Tigers, several former players plan to hear their names throughout the three-day event in Las Vegas, Nevada. The first three names are Roger …

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Ameris Bancorp Inc (NASDAQ:ABCB) Reports Earnings, Beats Expectations of $0.09 EPS

Ameris Bancorp (NASDAQ:ABCB – Get Rating) announced its quarterly results on Tuesday. The bank reported EPS of $1.17 for the quarter, beating the consensus estimate of $1.08 by $0.09, Briefing.com reports. Ameris Bancorp had a return on equity of 12.87% and a net margin of 35.27%. The company posted revenue …

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Legislative primaries preview for House District 48, Senate District 15

Mountain Brook voters will face a number of contests in the upcoming legislative election. Here is an overview of the races that impact the city. In the House 48 race, a seasoned legislator takes on an IT executive. In the battle for the 15th Senate seat, two Mountain Brook residents …

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AZ says Bo Nix ‘clearly’ favorite for QB job in Oregon

Former Auburn football QB Bo Nix may have made a lateral move by transferring to Oregon, but at least the worst-case scenario in Eugene is avoided for the dual-threat shooter from Pinson, Alabama. After sitting under Ty Thompson on the Ducks QB totem, Nix has moved past him in recent …

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Connecting Orrin Hatch to New Bedford

Orrin Hatch died last Saturday at the age of 88. I am happy to remember the longest-serving Republican U.S. Senator and former President Pro Tempore as a singer-songwriter and poet rather than a political icon for more than four years. decades. I’m very happy to have had a friendship with …

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A history of Alabama

BIRMINGHAM, Ala. (WBRC) – A new addition to Oak Mountain State Park is being called a hot acquisition by the Alabama Department of Conservation and Natural Resources, thanks in part to the Forever Wild program. “The Forever Wild program, I think, is one of the best programs ever created in …

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Did Bo Nix shoot Tiger fans at Oregon spring game?

Former Auburn football QB Bo Nix loves his new home in Eugene, Oregon, 2,550 miles from his old home, Pinson, Alabama. In fact, he loves him more than most would ever project for a second-generation QB and son of a former Auburn football starting QB (Pat Nix). Nix commented on …

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City of New Bedford announces ARPA funding for small businesses

The City of New Bedford announced the fourth investment supported by American Rescue Plan Act funds, this one focusing on helping small businesses. On Friday, Mayor Jon Mitchell and city officials announced they were seeking responses from local nonprofits “interested in supporting small businesses by managing federal funds to provide …

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Promotion at Neighbors Federal Credit Union, new recruit at BBQGuys | Business

RED STICK Tanya Lawrence was appointed CEO of Neighbors Federal Credit Union. Lawrence has been at the cash register for almost 30 years, starting as a cashier. She has held various positions at Neighbours, most recently as Senior Vice President of Strategic Solutions. She earned a bachelor’s degree in general …

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Electric car owners show off what’s for sale in Alabama

Porsche. BMW. Volvo. Nissan. Hyundai. Ford and Chevy. Microphones. Compacts. Sedans. School buses and Teslas too. All were side-by-side electric vehicles at Saturday’s North Alabama Drive Electric Earth Day event in Huntsville, where the motto was, “Your kids may never ask for gas money again.” The variety of choices was …

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Franco-American Genealogy Society Meets in Auburn

Anna Faherty Will Wohlerphoto The Maine Franco-American Genealogical Society plans to hold its spring general meeting at 10 a.m. Saturday, April 30 at the Auburn Public Library, 49 Spring St., Auburn. A brief business meeting will be followed by refreshments and a presentation by guest speaker Anna Faherty from 11 …

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Coachella music fan favorite Do LaB is back!

After a two-year hiatus during the pandemic, Coachella roared back for the first of two weekends. The music festival lineup included Billie Eilish, Danny Elfman and The Weeknd. One of the many stages set in the California desert is a perennial fan favorite: the Do LaB. Under Do LaB’s …

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How Auburn is celebrating 52 years of Earth Day

People have been celebrating Earth Day for over five decades. In Auburn, the Office of Sustainability has been working to celebrate the event since its inception in 2008. “At the time, in 1970, Earth Day was the biggest event in American history,” said Mike Kensler, director of the Office of …

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Legal pot in New Jersey – do you know the whole story?

Pot is legal throughout the Garden State as of Thursday, April 21. Although many of us thought it was time for cannabis to be removed from the list of criminal offences, there are some concerns. My friend Tom Pyle, a Princeton-educated local leader working with people with mental illness, joined …

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Nick Saban Reveals Stats About Alabama’s NFL Players

Nick Saban was the trainer of Alabama football program since 2007, and during his tenure, 106 players were drafted to an NFL team until ’21. The program saw a record six first-rounders in last season’s draft and will most likely add a few more players to Saban’s ever-growing roster after …

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Bob Hayes: Public engagement process needed for Auburn neighborhoods

For Auburn, Form Base Planning was aptly implemented in the mid-2010s. The focus was on the town centre, that is, from the river to Goff Hill. Acceptable and effective FB codes resulted from a public engagement process. It took time, involving professionally commented walks, public discussions and consensus on the …

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The Ringer mocks Falcons drafting Alabama WR with first-round pick

In almost every mock draft from the national draft pundits, the Falcons meet their desperate need for pass catchers. Drake London, Garrett Wilson and Treylon Burks have been running simulations for the Falcons since the news broke. Calvin Rileyis suspended. It is an undeniably crying need. However, in Ringer’s latest …

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A New Jersey-based store will be the focus of its own horror movie

Everyone’s favorite last-minute Halloween store is getting its own horror movie. The New Jersey-based company has been known to randomly show up in the abandoned K-Mart at your local mall around September. Selling all your Halloween necessities, from jumping skeletons that will scare your neighbor, to your last minute costume …

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Lemonis Auburn game 2 media Q and A

(Photo: Gene Swindoll, Gene Page, 247Sports) Mississippi State baseball coach Chris Lemonis spoke to the media after the Bulldogs’ 9-5 win over Auburn on Friday night. The transcript follows: Question: How different was this game with some separation? Lemons: It was nice, but it was …

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Panoply 2022 will feature over 30 musical performances

HUNTSVILLE, Ala – The 40and Panoply Arts Festival takes place in downtown Huntsville later this month. The event showcases many different artistic mediums, from food to music. More than 30 musical numbers will perform on multiple stages during the weekend-long event which kicks off on Friday, April 29. Friday Night …

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Alabama Passes Sound Currency Law, Expands Sales Tax Exemption to Gold and Silver

MONTGOMERY, AL /ACCESSWIRE/April 15, 2022/ With Governor Kay Ivey signing off on sound currency legislation today, Alabama became the second state this year to expand its sales tax exemption for gold and silver. Alabama Senate Bill 13, championed by Sen. Tim Melson and Rep. Jamie Kiel, passed with the unanimous …

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IDA reflects on festival and finances – The Clanton Advertiser

By JOYANNA LOVE | Chief Editor The Chilton County Industrial Development Authority discussed the “tremendous success” of the Strawberry Festival at a meeting on April 12. IDA Board Chairman Allen Caton thanked Executive Director Whitney Barlow for her work on the project. Local student talent was on display through the …

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Auburn’s spring in a nutshell: Quarterbacks

AUBURN, Alabama — Spring training on the Plains is now officially in the rearview mirror, with Auburn wrapping things up over the weekend with the annual Spring A-Day game. Auburn staff, after about a week of internal player assessments, will now turn to the recruiting track and transfer …

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Tuesday’s college roundup: St. Joe’s remains undefeated in women’s lacrosse with 13th win

STANDISH – St. Joseph’s scored 11 first-quarter goals as they beat Elms College 20-8 on Tuesday in a GNAC women’s lacrosse game. Lydia Dexter’s seven goals and three assists led Saint-Joseph (13-0, 9-0 GNAC). Carson Battaglia, Bridget Collins and Brianna Paul all scored three goals. Megan Mourmouras had two goals …

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Palmer shares Washington update at business lunch – Shelby County Reporter

By EMILY SPARACINO | Personal editor VACUUM – US Congressman Gary Palmer gave an overview of inflation, energy production, the war in Ukraine and other topics during a lunch on Monday, April 11. Palmer, who represents Alabama‘s 6th District in the U.S. House of Representatives, addressed a large group gathered …

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Baskets full of wagons: Wallace & Graham gift supplies, money at Family Crisis Council – Salisbury Post

SALISBURY — The baskets kept coming. Pulling them from the trunks of sedans and passenger seats of SUVs, representatives from the Wallace & Graham law firm marched 30 “survivor” baskets full of toys and toiletries into the Family Crisis office on Monday morning. Council at 502 N. Long St. By …

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Retrospective: Railway responds to the Auburn accident | Story

April 11, 2007 In response to a minor accident involving a car and a train on State Street near the Auburn Correctional Facility, Finger Lakes Railway said Tuesday that the crossing warning lights had recently been inspected and trains would not never approach the intersection at more than 10 mph. …

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Teen Builds Database to Help Alabama Foster Families

When Pranav Somu first heard about the opportunity to volunteer for the North Alabama Foster Closet, he knew nothing about the organization. He didn’t even know much about the host family itself. But after doing some quick research, he learned that half of all adoptive parents give up within a …

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Amazon, labor organizers file objections to Alabama Union vote

Amazon said the agency erred in operations for the election, including not having enough staff to handle voting, which the company said created long lines and suppressed the participation. “Based on the evidence we have seen so far, as noted in our objections, we believe that the actions of the …

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Townhouse sales will bring affordable housing to Mount Auburn

CINCINNATI — Like many parts of the country, Cincinnati has seen a real estate boom in recent years. With low interest rates and limited housing supply, prices have skyrocketed. What do you want to know The Port purchased vacant properties in Mount Auburn in order to build new homes at …

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Chicken Salad Chick raises over $420,000

Chicken Salad Chick, the nation’s only fast-casual chicken salad restaurant concept, today announced the results of its 2021 Giving Card program, raising more than $420,000 to support local food charities and research on the cancer. Thanks to the generosity of customers at all of its restaurants, the brand is donating …

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The new Chamber President and CEO shares his vision for Etowah County

Photo courtesy of The Chamber. By Katie Bohannon, news editor As the new year rolls on, the Gadsden and Etowah County Chamber welcomes an established and influential figure from the community to its team. Recent President and CEO-elect Christi Robinson expresses immense gratitude for being granted this opportunity, detailing her …

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How to Get Your First Personal Loan in 6 Easy Steps

How to Get Your First Personal Loan in 6 Easy Steps

Personal loans are able to be used for a variety of reasons regardless of whether it’s emergency expenses related to medical bills or home remodeling needs, they serve as a source of funds when you need them. Contrary to a home mortgage or car loan individual loans from India are typically not secured as a matter of fact, which means they’re not secured by any specific asset you possess. When you are trying to get the benefits of a personal loan from a bank or a non-banking financial institution (NBFC) The customers are not required to present any kind of collateral like gold or any other real property asset.

If you are planning to take out the benefits of a personal loan for the first time, it’s important to know the purpose of these loans as well as what are the essential aspects you must remember when applying online for one.

Here are six important tips to take into consideration prior to applying for an instant personal loan online. This will allow you to avoid costly mistakes such as selecting one that isn’t right for you, settling for the wrong tenor, or taking out more than you need.

1. Maintain a strong credit score

A credit score is an essential measurement that lenders employ to judge a borrower’s capability to pay back the loan. Simple actions such as making sure you pay your credit card dues on time will assist you to build a good credit score. One way to keep an excellent credit score is to never over-exceed the limit of your credit maximum by 30 percent. A good credit score will enable you to get a personal loan more easily.

2. Calculate the monthly installments (EMIs) with care

EMI payments shouldn’t drain your savings and put an expense on your financial situation. To ensure that this doesn’t happen, it is crucial to figure out your EMI amount and make sure you have the capital capacity to pay it over the period of time specified. The rule of thumb will be that EMIs must not exceed 10 percent of your monthly income. If the EMIs are greater than that they could drain your savings, which will adversely affect your monthly expenses.

3. Find a loan with an interest rate that is the least

Personal loans generally come with higher interest rates which vary between 11% and 20 percent. Therefore, even the tiniest decrease in interest rates could have a major impact on the overall cost of borrowing. Be aware that if you decide to take a lower monthly payment with a lengthy period of repayment for convenience or for other reasons the likelihood is that it will be accompanied by the most expensive interest rates.

This is important as small monthly installments may seem like a good idea however it can lead to you having to pay more over the course of your life. As generally, borrowers should try to avoid spending more than 35%-43 percent on debts, including mortgages, car loans as well as personal loan payments.

4. Evaluate the need for the need for

Although it’s not good to make use of the loan option, it is an obligation that could last for a lengthy time. Therefore, it is crucial to evaluate the motives behind the loan and be sure it is absolutely needed. If the motive behind the loan is the sake of a private desire to buy a high-end item, it may not be the wisest of choices.

Additionally, it’s an extremely risky move when the purpose of borrowing money is to invest in other financial schemes or products in the hope of making profits. Reinvestment and borrowing plans can also be subject to market risk and there is no guarantee of profit-making returns. Therefore, it is important to be cautious about taking loans to invest in high-risk ventures because at the end of the day regardless of loss or profit you will be required to pay the EMIs to repay the loan.

A risky investment could result in a huge financial burden, when you are applying to borrow money, get advice from the right experts to determine if your reasons for obtaining loans are financially feasible.

5. Always get a loan from an institution that is reputable

Aside from traditional banks Additionally, you can look into the options offered by digital credit lending firms that are regulated by the regulator of markets, the Reserve Bank of India.

Digital lenders are generally faster in processing and verifying loan applications, so disbursement typically occurs faster. One example of this is using the bullet payment feature, which lets users select the repayment plan that best suits their personal working capital cycles, in contrast to fixed-time payments.

Other options offered by digital lending companies include the possibility of getting short-term loans and the delayed repayment option that allows customers to request extensions of the date of repayment for 30 to 90 days without the need to pay any late fee.

It’s beneficial to have a range of choices to pick from since it allows the borrower to assess and compare rates of interest, processing time along with other vital factors before making a decision on their loan.

6. Think about the possibility of insuring your loan

If there’s one thing this epidemic is teaching us, it’s that life is never predictable. In order to make sure that your kin will not be burdened by debts in the scenario of your death It is essential to ensure your loan. Loan insurance payments function as any other insurance premium payment. They can be made either on a monthly basis or in a lump sum amount.

It also helps the credit scores to be maintained due to the fact that in the event of unforeseeable situations, you’ll not be unable to make due payments on loans.

Bottom Line

A personal loan can prove advantageous provided they are used in the right way. It is crucial to ensure that the lender you choose to use is trustworthy and that your payments are timely and constant. Most importantly, you must remember to utilize the loan to serve the purpose it was intended for. If used properly it can be a great tool to help you get a personal loan that can help you to cover the financial gap without putting at the place your personal assets in danger.

City of Auburn Draft Budget for 2022-23 Includes Possible 2.28% Tax Increase | Policy

AUBURN — The early proposed 2022-23 budget for the city of Auburn calls for a potential 2.28% increase in tax levies. City Manager Jeff Dygert presented the draft spending plan to the Auburn City Council at its meeting Thursday. The presentation slides indicated that the first draft budget included a …

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South Alabama’s Patrick Rosette and Damean Bivins make up for lost time

Since arriving in southern Alabama, Patrick Rosette and Damean Bivins have been dogged by one word – “if”. As in “if only they could stay healthy”. Both players joined the Jaguars in 2019 but both have played a total of three games in that span. Rosette, a safety, suffered three …

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West Alabama grapples with worker shortages after COVID pandemic

Employers launch new hiring incentives to tackle labor shortage New advantages are being created in various industries to tackle labor shortages and attract talent. ZMG, ZMG There was a time when Tuscaloosa restaurateur Dustin Spruill had a pool of job seekers to fill positions. Those days, he says, are over. …

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Auburn football set to face Virginia in 2022 Gasparilla Bowl

Auburn football may or may not qualify for a bowling game after the 2022 season. Looking at their schedule, you’d like to think September is 3-1 at worst with a 4-0 chance at home. Realistically, however, this year’s gauntlet in SEC West will be even tougher than usual given the …

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Mitchell struggled at first but now ‘great teammate’ for Vols

The move from UT to UT hasn’t exactly been seamless. With the transfer portal ravaging Tennessee’s football program a year ago, one of the newcomers last summer that instilled some optimism in the Volunteers faithful was former Texas inside linebacker Juwan Mitchell. The Vols had lost their leading tackler of …

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Drive-By Truckers Tour 2022: How to Buy Tickets, Schedule, Festival Appearance

Drive-By Truckers will be making pit stops across the country on their 2022 tour. Alternative country rockers travel from April to August to support their 2020 records ‘The New OK’ and ‘The Unraveling’. This includes concerts at the Stone Pony in Asbury Park on April 29 and at the Brooklyn …

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How Russia saved the ruble

Russia said last week that it wanted European countries that buy its natural gas make their payments in rubles, rather than dollars or euros. A month ago, this might have looked like a bargain: the ruble was down 40%, to 139 rubles to the dollar, following Russia’s invasion of Ukraine. …

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Auburn OL coach Will Friend talks spring and youth development

AUBURN, Alabama — With seniors Nick Brahms, Brandon Council and Austin Troxell out of team drills this spring as they recover from off-season surgeries, coach Will Friend was able to get plenty of reps for some of the most inexperienced players in Auburn’s offensive line room. With …

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Mildred Scott Obituary (1935 – 2022) – Columbia, SC

Mildred Ann Scott April 29, 1935 – April 1, 2022 Columbia, South Carolina – Mildred Ann Scott was born on April 29, 1935 in Columbia, South Carolina. She was the beloved daughter of the late Edward and Maggie Chavis Scott. After a brief but long illness, God reached out and …

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Ranking of the 5 best running backs

The 2022 NFL Draft is just weeks away and NFL teams are starting to put the finishing touches on their big draws. Hundreds of college football‘s brightest stars had the opportunity to show off their skills throughout the process, from the Senior Bowl to the Scouting Combine to the pro …

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Former NFL star Fred Taylor explains how he nearly got ripped off for $3 million as a rookie

Going from college football to the NFL is a difficult transition for many athletes. We’ve heard several uplifting tales from former players about negative experiences early in their careers that shaped them the rest of the way. Former Jacksonville Jaguars star Fred Taylor is one of those guys. The Jaguars …

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Bad weather forces Auburn to leave Florida Relays early

History links GAINESVILLE, Florida – After just a full day of competition at the Pepsi Florida Relays, repetitive weather delays on Saturday forced the Tigers to head home early from Percy Beard Track. Despite only having the opportunity to appear in 16 events, the Tigers took …

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Top 10 UA times for Kemboi, Kiprop at Stanford Invitational

Shawn Price April 2, 2022 STANFORD, Calif. –Ideal conditions Friday night at the Stanford Invitational generated a pair of Arkansas top-10 performances by Amon Kemboi and Patrick Kiprop as they raced the 5,000m and 10,000m distances respectively. With temperatures in the mid-50s and no wind, both the 5,000m and 10,000m …

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New ‘Croux’ app aims to solve staffing issues for restaurants

BIRMINGHAM, Ala. (WBRC) – Several businesses in central Alabama are struggling to recruit staff, particularly in the restaurant industry, but a local startup is working on a unique app that could be the perfect solution. “Croux” is the collaboration between five foodies from Birmingham. The app is expected to enter …

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