This looks like it would have me on edge during the whole film and leave be exhausted by the end, but in the way that a good movie requires your presence throughout. It seems to be as intense and action heavy as the first movie, with similar features of back-alley military politics, grey areas where the cartel and border to Mexico are concerned, and yet an odd desire to have a moral compass for some characters. Ines : Day of Soldado is the sequel to Sicario (2015), and it has kept some of its impressive cast, most notably Alejandro Gillick (Benicio del Torro) and Matt Graver (Josh Brolin). I’ll likely check this one out to see how the narrative continues, but don’t expect this to live up to the original. Soldado is missing two people key to its predecessor’s success: Emily Blunt, who gave a restrained performance as an idealistic FBI agent breaking into the world of drug crimes, and director Denis Villeneuve, who elevated Sicario from standard genre fare to a truly remarkable cinematic experience. But it never struck me as likely to receive a sequel. Soldado is the sequel to Sicario (2015), a violent, unfettered foray into the war against drugs that happens to be one of my favorite thrillers of recent memory. Continued abuse of our services will cause your IP address to be blocked indefinitely.Sam : Mixed feelings from me on this one. Please fill out the CAPTCHA below and then click the button to indicate that you agree to these terms. If you wish to be unblocked, you must agree that you will take immediate steps to rectify this issue. If you do not understand what is causing this behavior, please contact us here. If you promise to stop (by clicking the Agree button below), we'll unblock your connection for now, but we will immediately re-block it if we detect additional bad behavior. Overusing our search engine with a very large number of searches in a very short amount of time.Using a badly configured (or badly written) browser add-on for blocking content.Running a "scraper" or "downloader" program that either does not identify itself or uses fake headers to elude detection.Using a script or add-on that scans GameFAQs for box and screen images (such as an emulator front-end), while overloading our search engine.There is no official GameFAQs app, and we do not support nor have any contact with the makers of these unofficial apps. Continued use of these apps may cause your IP to be blocked indefinitely. This triggers our anti-spambot measures, which are designed to stop automated systems from flooding the site with traffic. Some unofficial phone apps appear to be using GameFAQs as a back-end, but they do not behave like a real web browser does.Using GameFAQs regularly with these browsers can cause temporary and even permanent IP blocks due to these additional requests. If you are using the Brave browser, or have installed the Ghostery add-on, these programs send extra traffic to our servers for every page on the site that you browse, then send that data back to a third party, essentially spying on your browsing habits.We strongly recommend you stop using this browser until this problem is corrected. The latest version of the Opera browser sends multiple invalid requests to our servers for every page you visit.The most common causes of this issue are: Your IP address has been temporarily blocked due to a large number of HTTP requests.
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It has a great mid range protein content so you get great structure and texture. Because I know you have all purpose flour in your cupboard. Like bread flour and cake flour in the New York Times Chocolate Chip Cookies recipe, but for this one I kept it simple. I have used different flours for my cookies in the past. All purpose flour – I used all purpose flour for these cookies.No Mixer Needed – This oatmeal raisin cookie recipe is a favorite of mine because I don’t need to get out my mixer for them! The recipe uses melted butter, so all you need is a couple bowls, a whisk, and a spatula.I do prefer to chill my cookie dough, but have also baked them right away and still had wonderful results. Quick To Prep – Making these homemade oatmeal cookies will take about 10 minutes of your time.Nothing fancy or fussy to buy to whip these up! It uses regular flour, and you can use quick or old fashioned oats. Easy To Find Ingredients – Like any good cookie, these are made with simple to find pantry staple ingredients.Why These Are The Best Oatmeal Raisin Cookies The key to these perfect oatmeal raisin cookies was using melted butter for maximum chewiness, lots of brown sugar and chilling the cookie dough. But after about 4 batches, I finally got that soft, chewy texture I was going for. Of course once I got this cookie texture just right, I couldn’t stop at just oatmeal raisin! Since the creation of this recipe I’ve created a White Chocolate Cranberry Oatmeal Cookies version, Oatmeal Chocolate Chip Cookie Recipe, and Peanut Butter Oatmeal Cookies version (my new fave!) It took me several attempts to get the texture of these cookies just right. Basically everything you crave in an oatmeal raisin cookie. These oatmeal raisin cookies are big, soft, and perfectly chewy on the inside. So if you have attempted homemade oatmeal raisin cookies in the past to find that lackluster, I promise you these cookies will change your mind. So why bother, right? I don’t believe that you need a culinary degree or own a bakery to have perfect cookies. This recipes takes about 10 minutes to prep and uses no mixer!Ī lot of time, I hear that one of the main reasons you don’t bake from scratch is because you can’t seem to get the right texture and taste that is the same as your local bakery. You can use quick oats or old fashioned- whichever you have on hand so you have ultimate oatmeal raisin cookies that rival your local bakery. I have a perfect oatmeal raisin cookie recipe for you that is a cinch to throw together because it uses melted butter. Remove the cookies from the oven, and let them cool right on the pan.This Post May Contain Affiliate Links. At 14 minutes, they should be starting to color all over. At 12 minutes, especially if you're baking on a dark pan without parchment, a few of the cookies on the edge should just barely be showing a pale brown around their edges. For softer cookies, bake the lesser amount of time for crunchier, the longer amount. If you're a fan of salty-sweet cookies, sprinkle these with a bit of salt (extra-fine preferred) before baking, if desired.īake the cookies for 12 to 14 minutes, reversing the pans halfway through (top rack to bottom, bottom to top). Space the cookies 2" apart they'll spread. If you're measuring, this is about 2 level tablespoons (using a tablespoon measure, not a dinner spoon). Lightly grease (or line with parchment) two baking sheets, light-colored preferred.īeat together the butter, shortening, sugars, vanilla, cinnamon, nutmeg, salt, and vinegar until fairly smooth a few tiny bits of butter may still show.īeat in the egg, again beating until smooth.Īdd the baking soda and flour, beating until well incorporated.Īdd the oats (and raisins), stirring to combine.ĭrop the dough in 1 1/4" balls onto the prepared baking sheets a tablespoon cookie scoop works well here. Sure, such filters come in handy when your kids are using the computer. In recent years, Google has made it a lot harder to search for porn. KOLOstock // Getty Images Use safe search engines The Daily Dot recommends VPN Unlimited, which charges $39 for lifetime coverage of your computer and smartphone. VPN stands for virtual private network it’s a tool you can use to protect your personal information when you’re looking at porn on any form of public Wi-Fi. Apple’s iOS devices are inherently very secure - but if you still want a little extra protection, has a few options. Here are recommended options for PC, Mac, and Android that’ll keep you safer as you search for smut. For that, you’ll want some solid antivirus software. Searching for porn in Chrome’s Incognito Mode grants you a certain level of privacy, in that it prevents your device from storing any of your browser history - but sorry folks, it doesn’t bolster your defenses against online hackers. The takeaway here? Play it safe: Don’t download any files, software, or apps that you find on a porn site. It named six different Trojans that had “been hiding within porn apps and video players, stealing users’ data and money by the second.” Sometimes, these viruses hide inside content you can download from porn sites, according to a 2018 Kaspersky report. You download it with the best of intentions, and then boom - hackers gain access to your device. While you’re at it, don’t download anything, either.Įver heard of a Trojan virus? It’s a type of malware that disguises itself as a legitimate-looking file, like an MP3 or PDF. Our Sex Columnist Answers 20 Personal Questions.We’re just redirecting you to a Men’s Health piece titled, “ 8 Ways to Make Your Penis Bigger.”) Related Stories Don’t worry, this time it’s not a phishing scam. (And if you actually want to learn how to make your penis bigger, then head here instead of clicking on one of those sketchy links. We know that ad is promising horny singles nearby, but just don’t click it, okay? Take our word for it: It’s probably not gonna work out. As a result, fans of adult clips are lured onto ‘dating sites’ that coax them into coughing up confidential data or downloading fake apps that steal everything on the sly.” Just as you shouldn’t be tempted by emails from Nigerian princes promising you a bountiful fortune, you should also stay away from suspicious-looking links and banner ads on porn sites: They could be a one-way ticket to malware or phishing scams.Īs Kaspersky Lab’s security blog points out, hackers sometimes take advantage of the immense popularity of major porn sites: “Every now and then, they hack porn resources or the advertising platforms that host banners on them. Whether you’re browsing on desktop or mobile, Apple or Android, here are some tips for keeping your porn searches as safe as possible, as well as recommendations for safe porn sites to satisfy your desires. So unless your porn stash is just a pile of magazines stashed under your bed, you’re going to want to learn how to stay safe and not get hacked when you go in search of smut.Īs Men's Health previously reported, Mac computers are less susceptible to viruses than PCs, but using any device will put you at risk of some form of online scam. That’s the equivalent of the populations of Canada, Australia, Poland, and the Netherlands all visiting in one day, according to the 2019 Pornhub Year in Review.īut while everyone wants to enjoy a little X-rated content now and then, no one wants to be the next victim of a computer virus-or even worse, identity theft. There’s a reason PornHub had 42 Billion visits in 2019. We all watch porn: men, women, you name it.
Choose the type of function ( Sum or Count) and pick the range of data to consolidate. Go to the Data tab and click on Consolidate. Select the cell where the consolidated data should be placed. Using Consolidate Feature to Combine Worksheets Pro Tip: Create a separate worksheet to experiment with different combinations, so you don’t need to keep adding and removing sheets from the consolidated file.įinally, use the Consolidate feature to combine worksheets in Excel. Right-click the tab name and select “Rename”.Īvoid combining too many sheets at once as this can cause performance issues and make it harder to sort data. You can rename any selected sheet for convenience. Remember to check that column and row labels are the same across all sheets. The tabs for the selected worksheets should turn white.Hold down the “Ctrl” key and click the other sheets you need.To select various worksheets in Excel, follow these simple steps: Image credits: by Joel Washington Selecting Multiple Worksheets to Combine Use the consolidate feature with 3D referencesĪfter this, you will be able to organize your large amounts of data quickly.Good news, there’s a solution! In this section, I’ll show you how to combine multiple sheets in one. Greetings! Regular Excel users know how draining it is to scroll through multiple worksheets for data. This is useful for large projects – it brings all the data together, making it simpler to compare. Our topic next time: Condensing Multiple Worksheets Into One. Tweaking the interface is nothing new – from icons to macros, there’s a range of options. Everyone’s needs are different, so experiment to find the best fit. Create shortcuts on the ribbon and quick access toolbar for common tasks. Take some time to understand the user interface and make it work for you. Understanding the User InterfaceĮxcel can be confusing. These are essential for interacting with spreadsheets. Next up, ‘Understanding the User Interface.’ Learn about the various elements of an Excel worksheet like menus, ribbons, and toolbars. Functions like VLOOKUP, INDEX & MATCH for complex calculations.ĭid you know? Excel was first launched in 1985 by Microsoft Corporation as a graphical spreadsheet program.Sort and filter features for organizing data.Analyze large amounts of data quickly with Excel’s tools.Format tables, adjust row height and column width.Customize your interface to suit your needs. Open a new spreadsheet in Microsoft Excel.
While Renogy panels range from 50W to 550W, most RVers use 100W - 200W panels due to roof size / dimension limitations. What is the square footage of my RV roof? How many panels will fit? And, how do you plan to connect them (parallel vs. This blog for more detailed information about deep cycle battery options. Knowing the size and type of your battery bank will help you determine how many panels you’ll need, as well as the size of the charge controller. These LFP batteries are longer lasting, more expensive, and more powerful. Lithium Iron Phosphate (LFP) batteries pre-installed. Some newer, higher-priced rigs which are designed for boondocking provide Most rigs these days are equipped with AGM or flooded lead acid batteries, which range from 85-200Ah. Unless you plan to replace these batteries, you need to know this so you can determine how to charge the RV battery with solar panels. What is the capacity and type of my RV battery bank? To have an effective solar panel system, with multiple panels, they all need to be all the same wattage. If you plan to install more permanent solar panels, this small one will likely have to come out – in addition to the small charge controller connected to it and any wiring currently going to the battery. This small panel is NOT designed to recharge a depleted battery while boondocking. These smaller factory installed panels are designed to simply maintain an already charged battery, so that the RV’s lights and slideouts work while for customer walk-throughs while sitting in the dealer lot. We get this question a lot, “I already have a small panel on my roof, can I just tie that into my new system?” The answer is, probably not. Is there a solar panel already installed on top of my rig (usually less than 50W)? Check out this blog to learn more about what “solar ready” means. You can then choose rooftop panels or a solar suitcase, or better yet, a combination of both that will give you more boondocking flexibility. SAE to MC-4 adapter and SAE reverse polarity plug (search this product on Amazon) to adapt them for Renogy solar panels. Is there a solar input port on the outside of the rig? Does it require a specific brand of solar panel (or provide a QR code or website for more information)? This will help you determine what type of panels you’ll need to purchase – or if you simply need to buy an inexpensive Is my RV/van listed as “solar ready” or “pre-wired for solar”? See this helpful worksheet to begin this process. On the other hand, if you plan to go fully off-grid and run your RV with solar, like we do, then you will need to plan out a much more robust system, with all 4 components of a solar paneled system. Solar suitcase (with an included charge controller) that can simply be connected to your RV battery via alligator clips - red to positive & black to negative. If you only plan to spend one or two nights in between electrical hook-up campsites then your solar paneled system can be simple. How many days do I want to run my RV without plugging into an external electrical outlet (e.g., “shore power” at an electrical campsite)? Here are some questions to ask yourself before simply “Solar 101” seminars at RV & Sports Shows around the country, the number one question we get from new RV and van owners is, “My rig says it’s ‘solar ready’.what does that mean, and what do I need to do to wire solar panels to my RV?”īut before you go cutting wire and grabbing MC-4 connectors, it’s important to firstĪssess your energy needs and THEN size a solar powered system that’s going to fit your rig and how you intend to use it. Despite this, he is sometimes given a few buffs to make him more popular.Įngineer is generally not very popular in normal games (the only semi popular loadouts that use it are Engineer Farm Ninja and Engineer COBRA Apprentice), but it is a quite popular tower in Play With Fire. Version History (Bloons TD Battles Mobile) Įngineer is in a weird state where he can carry you for a long time by spamming sentries, but he is not overpowered either. In desktop versions of the games, Bloon Traps only have to be hovered over to be collected, rather than having to manually click on them.Sentries made by an Engineer automatically disappear when the Engineer is sold.Bloon Traps no longer detect Camo unless the tower is granted Camo detection.This is not the case in BTDB Mobile, Apopalypse Mode, and Monkey vs Monkey. Bloon Traps now are emptiable after each round, even when Non-Stop Mode is on.Pops from the Monkey Engineer's Sentries, Cleansing Foam, and Bloon Traps now count towards the total pop count of the Engineer.If an Overclock is sold, the tower boosted by that Engineer will lose the boost effect while still showing the aura.Bloon Trap costs more ($3000 → $3500) and Monkey Farmers cannot collect full traps.Cleansing Foam costs more ($750 → $800) and no longer has unlimited pierce.Faster Engineering costs more ($350 → $400).The Monkey Engineer is unlocked at Rank 21 instead of Rank 20.Bloon Trap no longer loses collection value in later rounds.BTD5 Deluxe and BMC Flash) than in mobile versions of the games. However, there are several differences between the Engineer in Flash games (i.e. Technically speaking, Monkey Engineer only appears in Bloons TD 5 Deluxe, Bloons Monkey City, and all mobile versions of the Bloons TD franchise. Total Costs Differences Between BTD5 Flash and BTD5 Mobile For more information, see Engineer Monkey.ĭescription: Activated Ability: Overclock - target tower becomes super powered for 60 seconds. The Engineer Monkey was added to Bloons TD 6 on Septemas part of the 12.0 update. Engineers are unlocked once you reach level 5 on your second city. It was never added to Bloons TD 5 Flash or Bloons TD Battles Flash.Īn update on Bloons Monkey City on 15th October 2014 added Monkey Engineers and Second City simultaneously. Later, it was released on all mobile versions of the game. It was later added to Bloons Monkey City Flash on September 2014 (?). In Bloons TD 5, it was first released on Bloons TD 5 Deluxe on first release, along with Bloonchipper. This is one of the most reliable starting towers in the game and with the help of its sentries, it can solo multiple rounds early on. With upgrades, the Monkey Engineer can spawn sentries, assisting it with popping power. It wields a nail gun that shoots at a quick speed, popping three bloons per shot. The Monkey Engineer is a tower in Bloons TD 5 Deluxe, Bloons TD Battles Mobile, Bloons TD 5 Mobile, and Bloons Monkey City. Copyright (c) 2022 HP Development Company, L.P. But like I said it was pre installed when I got my laptop. However, I believe my laptop was originally windows 10 but came with a free windows 11 upgrade package. My HP laptop came with windows 11 installed and this driver update is always for windows 10. To learn more about pairing your Bluetooth. In Devices, select More options for the Bluetooth device you’re having problems connecting to, and then select Remove device > Yes. Remove the Bluetooth device, then add it again: Select Start > Settings > Bluetooth & devices > Devices. Double-click the downloaded file and follow the on-screen instructions. So it is coming from HP support so I assume they know and about it. Turn off Bluetooth, wait a few seconds, then turn it back on. Provided software updates for Realtek Bluetooth driver to improve HP WorkWise connection issue. 802.11b/g/n (1x1) Wi-Fi® and Bluetooth® 4.2 combo. Realtek RTL8723BE Bluetooth 4.0 Driver for Microsoft Windows for Oct. Touchpad with multi-touch gesture support. Full-size island-style keyboard with numeric keypad. Download the file by clicking the Download or Obtain Software button and saving the file to a folder on your hard drive (make a note of the folder where the downloaded file is saved). 15.6' diagonal FHD anti-glare WLED-backlit (1920 x 1080) Keyboard. Realtek RTL8000 Series Bluetooth Driver for Microsoft Windows Realtek RTL8723BE Bluetooth 4.0 Driver for Microsoft Windows Windows 10 (64-bit), Windows 8.1. PURPOSE: Routine SOFTPAQ NUMBER: sp138331 SOFTPAQ FILE NAME: sp138331.exe SOFTPAQ MD5: 72ab94321c175214bbdbd8a7150a0650 SUPERSEDES: sp136892 EFFECTIVE DATE: FebruCATEGORY: Driver-Network SSM SUPPORTED: Yes PRODUCT TYPE(S): Desktops HARDWARE PRODUCT MODEL(S): HP Engage One Essential 14 All-in-One System OPERATING SYSTEM(S): Microsoft Windows 10 version 20H2 (64-bit) Windows 10 IoT Enterprise 2016 LTSB 64-bit Windows 10 IoT Enterprise 2019 LTSC 64-bit LANGUAGE(S): Global DEVICES SUPPORTED: USB\VID_0BDA&PID_B009="Realtek Bluetooth 4.0 Adapter" USB\VID_0BDA&PID_B00A="Realtek Bluetooth 4.0 Adapter" USB\VID_0BDA&PID_B00B="Realtek Bluetooth 4.0 Adapter" USB\VID_0BDA&PID_B001="Realtek Bluetooth 4.0 Adapter" USB\VID_0BDA&PID_B006="Realtek Bluetooth 4.0 Adapter" USB\VID_0BDA&PID_B008="Realtek Bluetooth 4.0 Adapter" USB\VID_0BDA&PID_B00C="Realtek Bluetooth 5 Adapter" USB\VID_0BDA&PID_B00E="Realtek Bluetooth 4.2 Adapter" USB\VID_0BDA&PID_385A="Realtek Wireless Bluetooth Adapter" USB\VID_0BDA&PID_2852="Realtek Wireless Bluetooth Adapter" ENHANCEMENTS: - Provides support for Windows 10 v1607, Windows 10 v1703, and Windows 10 v2009. 3005 REV: S PASS: 3 DESCRIPTION: This package contains the driver installation package for the Realtek Bluetooth in the supported computer models running Microsoft Windows 10 or Windows 10 Cloud operating systems. TITLE: Realtek RTL8xxx Series Bluetooth Driver for Microsoft Windows 10 (DCHU) VERSION. Requires Omnisphere 2.8 or higher Once installed, use the R2R Spectrasonics KeyGen (not included) to re-authorize and use the library.Vast range, from moody ambience to extremely intense.Ominous sounds recorded in Secret Underground Tunnels.Easily transform evocative sounds into pulsing rhythms.You will now see the Omnisphere Authorization System window: 2. After instantiating Omnisphere in your host or running the standalone, click the Omnisphere Splash Screen. Innovative Modular Multisampling – unique timbre/gesture per-key Omnisphere authorization can be done immediately from any computer connected to the Internet.Over 300 extraordinary new Soundsources (over 7GB).Powerful Custom Controls for creative sound manipulation.This award-winning plugin brings many different types of synthesis together into one amazing-sounding instrument that will inspire a lifetime of. Over 2,000 sounds in eleven different categories Spectrasonics Omnisphere v2.0 Patch and Keygen Only-R2R TEAM R2R 2015.06.17 1.2 MB Omnisphere is the flagship synthesizer of Spectrasonics - an instrument of extraordinary power and versatility.Top Artists all over the world rely on Omnisphere as an essential source of sonic inspiration. Exclusive new “Under Echo” pitch-shifted ambience effect! Spectrasonics Omnisphere Patch Library Update v2.8.1cOmnisphere 2.8 Endless Possibilities Omnisphere® is the flagship synthesizer of Spectrasonics an instrument of extraordinary power and versatility.Exclusive new “Under Fire” saturator/comp/EQ effect!.A dark masterpiece by Ignacio Longo, top Spectrasonics designer.This award-winning software brings many different types of. 39.74 MB Omnisphere® is the flagship synthesizer of Spectrasonics - an instrument of extraordinary power and versatility. These remarkable sounds and highly versatile effects are an indispensable palette for any forward-thinking composer/producer. Spectrasonics Omnisphere v2.6.3c Incl Patched and Keygen-R2R. Highly playable and customizable, you’ll find truly endless creative possibilities. Team FLARE | 14 November 2021 | 6.58 GB RELEASE NUMBER: FLARE-1761 Journey to the Darkside… With its vast world of evocative moods and brooding textures, Undercurrent™ is the quintessential tool for dark electronic music production. Already, overheated readings of the “Apeshit” video have attempted to glom onto one of two opposing ideologies: either Beyoncé and Jay-Z are priests of capitalism who appreciate art only to the extent that it reflects their wealth, or they are radicals who have smuggled blackness into a space where it has traditionally been overlooked or exploited. In one exception, Beyoncé and her dancers, with a synchronicity that immediately recalls the choreography of “Formation,” body-roll in front of “The Coronation of Napoleon.” A crew of black women gyrating in front of a massive colonial scene is the sort of heavy-handed image that the Internet salivates over. (“My great-great-grandchildren already rich / That’s a lot of brown on your Forbes list,” Beyoncé raps, haughtily.) Saiz often captures the couple standing or sitting still, holding court with the same air of permanence as the art-historical treasures around them. Beyoncé and Jay-Z seem to suggest that their own footprint will be as indelible as that of the entire canon of Western art. But the video is a display of something that can’t be so easily quantified: influence. Twelve years ago, it was all about the Audemars Piguet watch now it’s G8 jets and diamonds as translucent as glass. “Apeshit” is a gospel of acquisition, recalling in spirit the luxury-brand name-checking of the couple’s duet “Upgrade U,” from 2006. On “Drunk in Love,” Jay-Z raps that their foreplay ruined one of his Warhols Beyoncé shot the music video for “7/11” on an iPhone in the Tribeca apartment that they once owned, where works by Richard Prince and David Hammons were unceremoniously on view. In the past, the Carters have been accused of being art fetishists. Wearing complementary suits-Beyoncé’s pink, Jay’s seafoam green-they are flanking the “Mona Lisa” once again. He rubs his hands, bells gong, and then a wide shot captures the celestial activity on the ceilings of the Galerie d’Apollon, filtered through a multi-colored glow of music-video light. He crouches outside the museum, like an artwork that has been brought to life and set loose. Directed by Ricky Saiz, it opens with the image of a black man, in fashionably torn jeans and worn sneakers, with giant white wings attached to his back. The six-minute “Apeshit” video is a feast of juxtapositions. To celebrate, and to make ostentatiously official their consolidation of power, they’ve returned to the Louvre, not as tourists but as bosses. The storm has been weathered, Beyoncé and Jay-Z want us to know, and it has made their unit stronger. “Everything Is Love,” by contrast, is slick and effervescent, triumphant, a return to the outlaw motif that the couple embraced years before. The previous two installments, Beyoncé’s “ Lemonade” and Jay-Z’s “4:44,” were labors of gut-wrenching introspection, chronicling the crisis in the couple’s marriage after Jay-Z’s admissions of cheating. The album, which the couple surprise-released on Saturday, during their “On the Run II Tour,” completes a meditative trilogy about infidelity and forgiveness. The music video for “ Apeshit,” a song from “Everything Is Love,” their new joint album, finds Jay-Z and Beyoncé back in the Louvre, but much has changed since their visit in 2014. If you’re giving a loan to a director, you’ll need to arrange shareholder approval beforehand due to the Companies Act of 2006. It’s important to be careful when considering loans to the above two categories. As this is a nuanced and delicate legal subject, we recommend you consult a professional service for guidance to ensure your company does not get tripped up and caught out.īe careful when giving loans to directors and shareholders Whether a loan is exempt or not depends on a range of factors including the total amount of interest as compared to base rates of some banks. This applies to credit agreements like share plans as well as cash loans, so be careful! Even if your company doesn’t usually give out any kind of consumer credit, the CCA can still catch you if you make a loan to an employee. You’ll want to be aware of these before you consider charging interest.įirst and foremost, you’ll want to be mindful of the fact that some loans can fall under the CCA (the Consumer Credit Act of 1974). While it’s not illegal to charge interest on loans to your employees, it is an area of law with some nuance to it. Many businesses offer loans to employees with interest, whether as an alternative to a third-party joint loan or for other private reasons. If that sounds like your business, it’s best to seek advice and guidance on arranging a consumer credit licence.īe careful about charging your employees interest on your loan This is commonly done when share plans are being offered. The difficulty – and the potential for liability and legal trouble – lies in when these informal or occasional arrangements are scaled up to be offered to a larger pool of employees. The catch here? This isn’t needed if an employer provides loans to their employees on an occasional basis with regulated agreements. If that’s the case, you’ll need to have a credit licence arranged beforehand. This important distinction usually comes down to whether your company is offering credit to a customer or consumer under an agreement that’s regulated. You’ll also want to be careful of employer’s Class 1A national insurance contributions – these are payable too. This can be a realistic prospect for key staff and decision-makers who must travel globally each week. In these cases, they’re almost always offered interest-free, but there’s a catch a loan of over £10,000 must be taxable as a benefit in kind. It’s often the case that employers will give out loans to their staff for travel. Let’s take run through the key points on what employers should be mindful of when considering offering a loan. It’s important, however, to be aware of the pitfalls that a company can be snared by in the process. In many cases, it’s done with the honest and admirable intent of helping them through a tough time, or to support major life purchases like a first house. It’s not uncommon for companies to offer loans to their staff. |
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