Parliament passes laws to improve consumer access to credit

first_imgParliament passes laws to improve consumer access to credit Consumers and small business will have better access to finance following the passage through parliament of the Morrison Government’s reforms to the Mandatory Comprehensive Credit Reporting (CCR) Regime.The strengthened regime will deliver benefits to lenders and borrowers and drive competition in the lending market while preserving and enhancing important security and consumer protections.Australia’s largest banks will now be required to participate fully in the credit reporting system in order to provide more Australians with better access to credit. With a deeper, richer set of credit data, consumers will be able to demonstrate their credit worthiness and seek a better deal, while lenders will have greater opportunity to compete for customers with positive credit histories.Consumers experiencing financial difficulty can now better demonstrate their credit worthiness through a more accurate reporting of their circumstances. A new category of credit information will also enable financial hardship information to be reported alongside repayment history. Lenders will only have access to this hardship information in situations where the consumer is seeking to access new credit, or the consumer agrees to the information being provided.The scheme also offers consumers greater financial transparency and protections, following additional amendments made by the Government. Consumers will be able to access their credit files for free every three months. Credit reporting bodies will also be mandated to share a consumer’s credit score range, and an explanation of the input information that determines the credit score.By improving transparency and access to data in the financial services sector, the Morrison Government continues to build a stronger and more competitive economy. /Public Release. This material comes from the originating organization and may be of a point-in-time nature, edited for clarity, style and length. View in full here. Why?Well, unlike many news organisations, we have no sponsors, no corporate or ideological interests. We don’t put up a paywall – we believe in free access to information of public interest. Media ownership in Australia is one of the most concentrated in the world (Learn more). Since the trend of consolidation is and has historically been upward, fewer and fewer individuals or organizations control increasing shares of the mass media in our country. According to independent assessment, about 98% of the media sector is held by three conglomerates. This tendency is not only totally unacceptable, but also to a degree frightening). Learn more hereWe endeavour to provide the community with real-time access to true unfiltered news firsthand from primary sources. It is a bumpy road with all sorties of difficulties. We can only achieve this goal together. Our website is open to any citizen journalists and organizations who want to contribute, publish high-quality insights or send media releases to improve public access to impartial information. You and we have the right to know, learn, read, hear what and how we deem appropriate.Your support is greatly appreciated. All donations are kept completely private and confidential.Thank you in advance!Tags:AusPol, Australia, Australian Treasury, business, credit score, deal, Economy, finance, financial services, Government, market, Morrison, Morrison Government, parliament, security, Small Businesslast_img read more

Bale Out: Live large and local

first_imgBale Out: Live large and local We’re loading up the truck with hay bales, musicians and loads of fun activities from April to June. The entire Coffs region will come to life with a series of 7 unique and local pop-up events in Ulong, Coramba, Nana Glen, Red Rock and Toormina, bookended by two big celebrations in Coffs Harbour.Bale Out! is a celebration of people, place and all that connects us with an emphasis on food, music and good old fashioned family friendly fun and activities.With the catchcry of “live large and local!” communities across the greater Coffs area have grabbed hold of the idea with great enthusiasm, taking the opportunity to share and celebrate their local village identities, individual passions and community aspirations.Join us for a modern take on the beloved old ‘greased pig’ competition or cheer on at the handcrafted boat races on the Orara River. Enjoy classical musicians on lush green river banks or visit the ‘Big Diggers’ giant machinery displays and the 100 motorbike ‘show and shine’. Finish off with a groove to the 200 live drummers pumping out African beats. Every event is brimming with local flavour and pride that will have you grinning from ear to ear.Whether you’re wanting to crank up to excitement or just chill out and enjoy the entertainment, make this your go-to event these coming holidays .Don’t forget to bring your own chair or picnic blanket.Bale Out! kicks off this Saturday 3 April (Easter Saturday) with Coffs Beats and Eats – an exotic twilight food market and live drumming extravaganza featuring rhythms from across the globe including Samba Soul, Drum Fire, Djembe Star and Kabila Moja and Kaya Boom drummers.Located at Brelsford Park and positioned right next door to Coffs’ biggest and most exciting playground, there’ll be non stop fun for the kids.All Bale Out! events are free and everyone is welcome.Proudly brought to you by Coffs Harbour City Council with support from NSW Government’s Summer Fund. /Public Release. This material comes from the originating organization and may be of a point-in-time nature, edited for clarity, style and length. View in full here. Why?Well, unlike many news organisations, we have no sponsors, no corporate or ideological interests. We don’t put up a paywall – we believe in free access to information of public interest. Media ownership in Australia is one of the most concentrated in the world (Learn more). Since the trend of consolidation is and has historically been upward, fewer and fewer individuals or organizations control increasing shares of the mass media in our country. According to independent assessment, about 98% of the media sector is held by three conglomerates. This tendency is not only totally unacceptable, but also to a degree frightening). Learn more hereWe endeavour to provide the community with real-time access to true unfiltered news firsthand from primary sources. It is a bumpy road with all sorties of difficulties. We can only achieve this goal together. Our website is open to any citizen journalists and organizations who want to contribute, publish high-quality insights or send media releases to improve public access to impartial information. You and we have the right to know, learn, read, hear what and how we deem appropriate.Your support is greatly appreciated. All donations are kept completely private and confidential.Thank you in advance!Tags:African, Coffs Harbour, community, Coramba, council, Family, Government, local council, market, Motorbike, Music, Nana Glen, NSW, Red Rock, Toormina, truck, Ulonglast_img read more

Safety improvements announced for Wilshire Boulevard

first_img Comments are closed. 2 Comments Vince says: You want to make Wilshire safer? Get rid of the crosswalks. Dr. Jane Goodall to deliver Luskin Lecture for Thought Leadership at UCLA on April 1Three injured in Santa Monica car crashYou Might Also LikeFeaturedNewsBobadilla rejects Santa Monica City Manager positionMatthew Hall6 hours agoNewsCouncil picks new City ManagerBrennon Dixson17 hours agoFeaturedNewsProtesting parents and Snapchat remain in disagreement over child protection policiesClara Harter17 hours agoFeaturedNewsDowntown grocery to become mixed use developmenteditor17 hours agoNewsBruised but unbowed, meme stock investors are back for moreAssociated Press17 hours agoNewsWedding boom is on in the US as vendors scramble to keep upAssociated Press17 hours ago February 10, 2020 at 10:40 AM center_img HomeBusinessDevelopmentSafety improvements announced for Wilshire Boulevard Feb. 10, 2020 at 6:00 amDevelopmentFeaturedNewsSafety improvements announced for Wilshire BoulevardMadeleine Pauker1 year agovision zeroWilshire BoulevardWilshire Safety StudyThe city wants to improve safety along Wilshire Boulevard after a study identified the common causes of accidents along the street. Santa Monica is planning to makeover its portion of Wilshire Boulevard.The 2.4-mile stretch of Wilshire has been the site of six traffic-related fatalities and 29 severe injuries over the past 11 years, prompting local officials to propose adding a suite of safety improvements to the street that could range from $11.5 to $22 million. The proposal City Council will vote on Tuesday includes a short-term plan to improve the road’s signage, crosswalks, crossing signals and medians over a one to two year period.The plan grew out of last year’s Wilshire Safety Study, which found that 89% of severe pedestrian and bicyclist injuries happened at intersections without traffic lights. 20% of crashes involve a left or through movement from sidestreets, despite representing only 1% of overall traffic volume.Residents older than 55 comprise 27% of the city population, but 70% of the fatal and severe injury collisions on Wilshire, the study found.The first phase of the proposal would make 13 cross streets without traffic signals right-turn only and restrict U-turns at several intersections to reduce the risk of car and pedestrian collisions, according to a staff report.Pedestrian warning signage and road markings would be added throughout the corridor and flashing pedestrian lights would be installed at five intersections. Existing north to south bicycle routes that cross Wilshire would be enhanced with intersection markings.Two bus stops would be relocated to the far side of intersections, two stops would be consolidated and a bus queue jump lane would be installed in the eastbound direction at Lincoln Boulevard and 14th Street.The second phase of the proposal would add a traffic light at Wilshire and 16th Street, extend the curb at seven crosswalks to improve pedestrian visibility and reduce crossing distances, and add protected left turns at six intersections.In the third phase, a traffic light would be added at Wilshire and Chelsea Avenue to facilitate bicycle connections and improve access to Douglas Park, additional curb extensions would be installed, all bus stops would be relocated to the far side of intersections and additional bus queue jump lanes would be added.A curbside management plan, which could include dedicated short-term parking for deliveries and rideshare pick-up, would be put in place. Light poles may be upgraded or replaced.The estimated cost for the design and construction of the plan is about $11.5 to $13.5 million, including $1 to $1.5 million for phase one, $4.5 to $5 million for phase two and $6 to $7 million for phase three, according to the staff report.The city currently has funding for the design and implementation of the phase one improvements and a small portion of the phase two improvements. For the remainder of phase two and phase three, staff would pursue grants from Caltrans and Measure [email protected] :vision zeroWilshire BoulevardWilshire Safety Studyshare on Facebookshare on Twittershow 2 comments 2.4 mile on Wilshire…which 2.4 miles? Come on! S. Riediger says: February 10, 2020 at 8:15 AM last_img read more

DeChambeau (64) surges into lead at Safeway

first_imgNAPA, Calif. – Bryson DeChambeau hasn’t had much chance to get familiar with his wedge after changing to a graphite shaft this week. The Northern California native certainly looked comfortable enough Friday as he attacked pin after pin to surge up the leaderboard at the Safeway Open. DeChambeau shot a bogey-free 8-under 64 on Friday to take a two-shot lead in the Safeway Open. DeChambeau had a 12-under 132 total at Silverado Country Club. The 26-year-old matched two others for the best round of the day and was in line to extend his lead, but left a 20-foot eagle putt short on No. 18. ”It’s always fun to come out and play to the potential you know you can,” DeChambeau said. ”The greens got a little bumpy this afternoon but they’re still rolling nice enough to make some putts. I was able to control my line, control my speed and have a couple of them drop in.” DeChambeau missed the cut at the season-opening event at The Greenbrier, didn’t play in last week’s Sanderson Farms Championship and got off to a slow start this week with an opening-round 68 that left him four shots back. PGA Tour Key for Safeway leader DeChambeau? ‘Texas rebar’ Bryson DeChambeau credits a shaft change with his wedges that has been the key for his low scores at the Safeway Open. Full-field scores from the Pure Insurance Championship After beginning the second round with four consecutive pars, DeChambeau birdied No. 5, sank a 35-footer for birdie on No. 6, then had a tap in for another birdie on No. 8. He opened the back nine with three straight birdies, made another birdie on No. 14 then closed with a final birdie on 18. ”I knew if I could go work on my swing like I did yesterday and come out and feel comfortable like I did today, I’d come out and shoot a low number,” DeChambeau said. Nick Watney was second after a 65. Watney needed just 22 putts to complete his round and stay within range of DeChambeau. ”(The greens) are getting a little bit crispy right now, but they rolled pretty pure for me,” Watney said. Justin Thomas made nine birdies and matched DeChambeau with a 64 that left him tied with Nick Taylor (66), Dylan Frittelli (65), Adam Long (68) and Cameron Champ (68) at 9 under. First-round leaders Adam Scott and Andrew Landry tumbled down the leaderboard. Scott struggled off the tee most of the afternoon and shot a 73 to fall into tie for 14th at 6 under. Landry shot 74 and drop to 5 under. A few big names won’t be playing over the weekend. Phil Mickelson shot 69 but was doomed by an opening 75 that included a quadruple bogey. Defending champion Kevin Tway bogeyed the final hole for a 72 to miss the cut by a stroke. ”The way I see it, there were eight par 5s and I’ve got to play those 4 to 6 under par to have a chance to win,” Mickelson said. ”I played them 4 over. So there’s eight to 10 shots right there on simply the par 5s. It tells me that some areas are OK, but that’s the area that I’ve got to improve on.” Tony Romo, the former NFL quarterback and current CBS analyst, also missed the cut, following an opening 70 with a 78. If he had made the cut, he planned to skip Sunday’s NFL broadcast in Chicago between the Bears and Minnesota Vikings.last_img read more

Griffin (65) leads through 54 at Houston Open

first_imgHUMBLE, Texas – Lanto Griffin recovered from a rain-delayed double-bogey finish to his second round earlier Saturday to post a 7-under-65 – the day’s best score – and secure a single-stroke lead through 54 holes of the Houston Open. Mark Hubbard is alone in second place at 10-under par after shooting a 69. The 36-hole leader, Peter Malnati, is one of three players two shots back. Malnati shot a 73, including bogeys on two of his first three holes and two of his last three. Both Griffin and Hubbard are seeking their first PGA Tour titles as are Beau Hossler and Brandon Wu. Hossler fashioned a 68 and Wu a 69 to join Malnati at 9-under. Six players are tied at -8, including first-round co-leaders Austin Cook and Talor Gooch. Houston Open: Full-field scores | Full coverage The winner will receive $1.135 million. Griffin’s earnings over 32 previous Tour starts – two back in 2011, 26 more in 2018, when he missed 13 cuts, and four this season – total $837,333. He has never led a Tour event through three rounds. However, he has played consistently well this fall and is the only player with four top-20 finishes. Griffin, who shot 66 on Thursday before stalling to a second-round 74, said of the double-bogey finish on Saturday: “It was just cold and windy this morning and (the hole) played tough. I was frustrated and kind of (angry), but I turned it into a positive. It freed me up pretty good. “My game the best it’s ever been for sure. I’m playing really smart and my short game has improved a ton. That’s always been my Achilles heel.” Griffin recalled a conversation he had with Greg Norman recently at a pro-am dinner “that really stuck in the back of my mind. He made the comment that he doesn’t look at the guys that are winning and missing three cuts. He looks at the guys that are finishing 10th, 15th, 20th consistently. It’s been a goal of mine this year. You don’t have to be a hero necessarily to have a good, solid week.” The highest-ranked player in the field when the tournament began, Henrik Stenson at 37th, failed to make the even-par cut. Only two of the top 11 players on the leaderboard, Malnati and Cook, have even one Tour title.last_img read more

Breaking – Fire Service issue smoke warning following Rossbracken fire

first_img Facebook Arranmore progress and potential flagged as population grows Google+ Facebook People in Manorcunningham are being urged to close their windows and doors as a result of a fire at a waste facility in the Rossbracken area of Letterkenny.The fire service says smoke from the fire is being blown in the Manorcunningham direction, and people should keep their homes sealed as a precaution. until the fire has abated. Pinterest WhatsApp WhatsApp Nine til Noon Show – Listen back to Monday’s Programme Homepage BannerNews Important message for people attending LUH’s INR clinic Pinterestcenter_img Breaking – Fire Service issue smoke warning following Rossbracken fire News, Sport and Obituaries on Monday May 24th Twitter DL Debate – 24/05/21 Previous articleEU Fund announced to ease impact on Brexit on Donegal SME’sNext articlePaisley responds to Telegraph report of undeclared Sri Lankan hospital News Highland Twitter Google+ By News Highland – September 8, 2017 Loganair’s new Derry – Liverpool air service takes off from CODA RELATED ARTICLESMORE FROM AUTHORlast_img read more

CI Financial buys $5.1 billion Dowling & Yahnke

first_img 4 House committee poised to advance SECURE 2.0 retirement savings bill Seivert added that, “Dowling Yahnke is a great firm in a great market, giving CI additional strength in both California and San Diego.”Founded in 1991, D&Y serves more than 1,300 clients and non-profit organizations. 2 House panel unanimously passes SECURE 2.0 Co-founder Dale Yahnke described the sale as a “strategic partnership” that “allows D&Y to reach new heights.”“We are impressed by CI’s depth of experience in wealth management as well as the caliber of the firms they are assembling to create a premier, national wealth management organization,” Yahnke added. “Being part of CI ensures enhanced support and services for our clients, continued growth for our firm, and new opportunities for our employees.”The most aggressive RIA buyer since the start of 2020, CI Financial shows no signs of slowing the pace of deals. Part of the growth strategy involved listing its shares on the New York Stock Exchange in November to help with the financing of deals.CI Financial, one of Canada’s largest independent wealth management companies, also trades on the Toronto Stock Exchange. InvestCloud to acquire Advicent and NaviPlan planning software 3 Subscribe for original insights, commentary and analysis of the issues facing the financial advice community, from the InvestmentNews team. For reprint and licensing requests for this article, click here,MOST READ 5 Toronto-based mega-buyer CI Financial announced the acquisition of Dowling & Yahnke, a $5.1 billion wealth and investment firm in San Diego. Why Tony Robbins, tax shelters and financial advisers don’t mix Newsletters The Gates divorce: Lessons for financial advisers Including sub-acquisitions, this marks CI’s 18th deal since entering the U.S. wealth management space in early 2020.The transaction is expected to increase CI’s total U.S. assets to $63 billion, and to $230 billion, globally.“D&Y is our second-largest RIA acquisition to date and will be the sixth RIA in our group to have over $4 billion in assets,” said Kurt MacAlpine, CI’s chief executive officer. “Our vision and value proposition continue to resonate with advisers, and we’re honored that the country’s leading RIAs are choosing to partner with CI.” Daniel Seivert, chief executive of Echelon Partners, expects the deals coming out of CI Financial to continue to get larger.“Once a serious acquirer gets over $50 billion, it is likely best to do deals of $5 billion or more,” he said. “There are only so many of these firms and at any given time only a few are for sale. With over 30 larger acquirers there is meaningful competition for these larger deals.” 1last_img read more

Hospital Begins Shutting Down

first_imgCarol Meyer, director of governmental affairs at the Los Angeles County Department of Health Services, said the loss of the hospital’s emergency room in particular would be a particularly difficult blow to the region’s healthcare system. On Friday, the hospital filed for financial liquidation under Chapter 7 of the U.S. Bankruptcy Code. Employees said they didn’t get paid this week; other employees said payroll checks they received had bounced. Wolfram, the hospital’s acting chief executive, said there was a small chance that one remaining interested party might make a bid for the hospital. If so, the hospital will try to reorganize its debts and reopen, she said. Since 1996, 70 community hospitals have closed across the state, with a disproportionate share — more than 50 — in Southern California. Some have closed in areas where there was too much hospital capacity. Others have closed in areas with large numbers of underinsured and uninsured patients, leaving access to hospital care in short supply in those areas. The hospital’s emergency room — a key element of the county’s increasingly fragile emergency safety net — will be closed today, and about 30 remaining patients will be discharged or transferred to nearby facilities beginning this weekend. Regionally, 14 emergency rooms have been closed in the last five years, including 10 in Los Angeles County. After the closure, there will be 74 ERs remaining in the county. Until recently, Century City Doctors Hospital’s financial prospects appeared to be good. The hospital, previously known as Century City Hospital, was closed in April 2004 by Dallas-based Tenet Healthcare Corp. LOS ANGELES — Financially troubled Century City Doctors Hospital gave up hope of finding a buyer and began shutting down Friday, according to hospital executives. Officially, the facility said it would cease operations late next week. Four years ago, Robert F. Kennedy Medical Center in Hawthorne shut down. Martin Luther King Jr.-Harbor Hospital in Willowbrook closed a year ago when the federal Medicare and Medicaid agency pulled half the hospital’s funding. That closure followed nearly four years of failed attempts to reform the troubled institution, formerly known as Martin Luther King Jr./Drew Medical Center. “I haven’t been paid in two weeks and I’m afraid I’m just not going to get paid,” Tamara Tobin, a nursing assistant, said as she arrived at the hospital Friday. “This means more than 1,000 emergency patients a month will now have to be treated elsewhere,” she said. “Right now, every loss of an ER is a major loss to our whole system.” Some industry experts fear the trend is worsening and increasingly afflicting crucial areas and facilities. It was then acquired by Beverly Hills-based Salus Surgical Group, which invested about $100 million to renovate the facility. Salus did not return calls seeking comment.center_img The hospital reopened in October 2005 and featured cutting-edge technology including an all-digital medical records system and top-flight amenities such as wireless Internet in every room, gourmet meals that patients could order any time and movies on demand. But the facility struggled financially from the start. The largest problem has been a lack of patient volume, administrators said. It has recently been averaging about 60 beds filled each day — far fewer than what’s needed, financially, especially considering its oversize debt. The 176-bed facility, on Century Park East in the Century City Medical Plaza, has tried for months to improve its finances but has struggled to pay its growing debt, which the hospital estimated in a recent interview with The Times at more $60 million. Hospital executives said they were petitioning the federal Bankruptcy Court to use emergency funds to pay employees as early as next week but acknowledged that they might not be able to do so. Meyer said the county began informing local emergency agencies including the Los Angeles Fire Department that Century City’s ER was shutting down immediately. “It’s really unfortunate” the hospital is closing, said Pat Wolfram, its interim chief executive. “Even this morning, we were trying to get a buyer and remain open but it just didn’t happen. This is a great hospital and it’s very sad.” Brotman Medical Center in Culver City filed for bankruptcy protection last fall. Last week, the hospital’s former chief executive, John Reynolds, resigned and cleaned out his offices. Hospital executives asked staff members to keep operating rooms locked this week, fearing that creditors could arrive at the facility seeking to repossess equipment. Century City Doctors Hospital, located in a relatively affluent area where hospitals are not as likely to be overburdened with high numbers of uninsured and underinsured patients, was thought to be in better shape. Its financial troubles are raising worries from industry watchers that an even broader shakeout than expected could be in the future for the regional hospital system. Hospital experts say that as many as two-dozen other area hospitals are under severe financial strain. “There may be a potential buyer,” she said. “He’s in the process of looking at it and may decide something next week.”last_img read more

Goodr hosting conference lounge experience at 2020 Running USA Industry Conference

first_imgEyewear specialist brand, Goodr, will again host the Expo Lounge at the 2020 Running USA Industry Conference in Las Vegas, which takes place on February 9-11, 2020.The brand will also be present at the conference expo (located in Octavius 24 at Caesar’s Palace Resort and Casino).“We’re stoked to have goodr coming back,” said Christine Bowen, Vice President of Programming, Partnerships and Operations for Running USA. “They brought the fun to our Puerto Rico expo and we can’t wait to see what their lounge experience looks like for attendees in Las Vegas – which is a perfect playground for their one-of-a-kind branding.”In 2019, goodr CEO Stephen Lease delivered a keynote address on experiential branding that ‘had attendees on the edge of their seats.’ Continuing the theme of embracing change to stay successful, the 2020 conference keynote panel will focus on the industry’s ‘Start Line for Evolution’.Since its origins as a small gathering of Running USA’s founders in Southern California in 2004, the Running USA Conference presented by Race Roster has grown to becoming the ‘best-attended, most esteemed gathering of running industry professionals from around the USA and the world.’Now moving locations each year, the conference has been held in Los Angeles, San Diego, Savannah, Houston, San Antonio, Orlando, New Orleans Puerto Rico and now Las Vegas, Relatedlast_img read more

5 ways to boost your social security payments

first_imgTry these strategies to significantly increase your Social Security Emily BrandonOne of the most important retirement decisions you will make is when to sign up for Social Security. The age you first claim benefits can have a dramatic impact on the size of your monthly payments in retirement. Here are five great ways to make the most of your Social Security benefit:Work for at least 35 years. Social Security payments are calculated using the 35 years of your career when you earned the most. Those who haven’t worked for 35 years have zeros averaged into the calculation, which could significantly lower the monthly benefit. “If you are still working, the way to increase your benefit is to continue working and earning more,” says Jim Blankenship, a certified financial planner for Blankenship Financial Planning in New Berlin, Ill., and author of “A Social Security Owner’s Manual.” “Any time you can eliminate low-earning years or zero years and replace those earlier years with something that is an improvement over them, then you can improve your situation.”Aim to work until your full retirement age. While you can begin receiving benefits as early as age 62, benefit payouts are significantly reduced if you sign up then. Most baby boomers are first eligible for unreduced Social Security benefits beginning at age 66. And for everyone born in 1960 or later, the full retirement age is 67. “Be patient, because there is a big payoff for waiting for your benefits,” says Laurence Kotlikoff, a professor of economics at Boston University and a co-developer of the retirement planning software ESPlanner. Age 66 is also the first year you can work and collect benefits at the same time without having your Social Security benefit temporarily withheld if you earn too much.Consider delaying claiming until age 70. You can further boost your monthly Social Security payments by continuing to delay claiming. After your full retirement age, payments increase by about 8 percent for each additional year of delay up until age 70. “The rule of thumb is if you are single, and you believe you are going to live past the age of 80, typically it is best for people to delay as late as possible to the age of 70,” says William Meyer, founder and managing principal of Social Security Solutions, a company that analyzes Social Security claiming strategies. “If you live past 80, by delaying you are going to get more. The best investment deal out there right now is to get 8 percent guaranteed.” After age 70, there is no additional benefit to delaying signing up for benefits. continue reading » 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more