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Richland, Washington

City in Washington, United States

City in Washington, United States

Richland, Washington

City of Richland
View over downtown Richland in 2018

View over downtown Richland in 2018

Flag of Richland, Washington

Flag

Nickname(s): 

The Windy City, City Of the Bombers, Atomic City[1]

Location of Richland, Washington

Location of Richland, Washington

Coordinates: 46°16′47″N119°16′53″W / 46.27972°N 119.28139°W / 46.27972; -119.28139
CountryUnited States
StateWashington
CountyBenton
 • TypeCouncil–manager government
 • MayorRyan Lukson[2]
 • Mayor Pro TemTerry Christensen
 • City42.62 sq mi (110.38 km2)
 • Land39.22 sq mi (101.59 km2)
 • Water3.39 sq mi (8.79 km2)
Elevation384 ft (117 m)
 • City48,058
 • Estimate 

(2019)[5]

58,225
 • RankUS: 667th
WA: 21st
 • Density1,484.46/sq mi (573.16/km2)
 • Urban232,954 (US: 171st)
 • Metro296,224 (US: 164th)
 • CSA357,146 (US: 103rd)
 • Tri-Cities215,024
Time zoneUTC−8 (Pacific (PST))
 • Summer (DST)UTC−7 (PDT)
ZIP codes

99352, 99353, 99354

Area code(s)509
FIPS code53-58235
GNIS feature ID1513395[6]
WebsiteCi.Richland.WA.US

Richland () is a city in Benton County, Washington, United States. It is located in southeastern Washington state at the confluence of the Yakima and the Columbia Rivers. As of the 2010 census, the city's population was 48,058, with a 2019 estimate from the Census Bureau putting its population at 58,225.[7] Along with the nearby cities of Pasco and Kennewick, Richland is one of the Tri-Cities, and is home to the Hanford nuclear site.

History[edit]

Main article: Timeline of the Tri-Cities, Washington

For centuries, the village of Chemna stood at the mouth of the current Yakima River. Today that village site is called Columbia Point. From this village, the Wanapum, Yakama and Walla Walla Indians harvested the salmon runs entering the Yakima River. Captain William Clark of the Lewis and Clark Expedition visited the mouth of the Yakima River on October 17, 1805.

Formative years[edit]

In 1904–1905, W.R. Amon and his son Howard purchased 2,300 acres (9 km2) and proposed a town site on the north bank of the Yakima River. Postal authorities approved the designation of this town site as Richland in 1905, naming it for Nelson Rich,[8] a state legislator and land developer. In 1906, the town was registered at the Benton County Courthouse. It was incorporated on April 28, 1910, as a Washington Fourth Class City.

World War II[edit]

Richland during the early days of the Hanford project

Richland was a small farm town until the U.S. Army purchased 640 sq mi (1,660 km2) of land – half the size of Rhode Island – along the Columbia River during World War II, evicting the 300 residents of Richland as well as those of the now vanished towns of White Bluffs and Hanford just upriver. The army turned it into a bedroom community for the workers on its Manhattan Project facility at the nearby Hanford Engineering Works (now the Hanford site). The population increased from 300 in July and August 1943 to 25,000 by the end of World War II in August 1945. All land and buildings were owned by the government. Housing was assigned to residents and token rent was collected; families were assigned to houses or duplexes; single people were placed in apartments or barracks. Everything necessary was provided, from free bus service to light bulbs, and trees were planted in people's yards by the government. Much of the city was planned by Spokane architect Gustav Albin Pherson and overseen by the Army Corps of Engineers. While there were dormitories and barracks built at the time, prefabricated duplexes and single family homes are all that survive today. Because homes were allocated based on family size and need, there were a number of floorplans available. These were each identified by a letter of the alphabet, and so came to be known as alphabet houses. [9]

In 1954 Harold Orlando Monson was elected the first mayor of Richland and traveled to Washington, D.C. to negotiate increased rights (such as private home ownership) for citizens in military cities across the country.

Richland's link to the Army Engineers is suggested by its street nomenclature; many of the streets are named after famous engineers. The main street (George Washington Way) is named after the first president, who was a surveyor; Stevens Drive is named after John Frank Stevens, chief engineer of the Panama Canal and Stevens Pass; Goethals Drive is named after George W. Goethals, designer of the Panama Canal; and Thayer Drive is named after Sylvanus Thayer, superintendent of West Point and later founder of the Thayer School of Engineering at Dartmouth College. The rule is that if alphabet houses reside on a given street, it is named either after an engineer or a type of tree.

The end of the war[edit]

With the end of the war, the Hanford workers' camp, originally located fifteen miles (24 km) north of Richland at the old Hanford town site, was closed down. Although many of the workers moved away as the war effort wound down, some of them moved to Richland, offsetting the depopulation that might otherwise have occurred.

The Cold War boom[edit]

Fears that the Soviet Union's intentions were aggressive set off the Cold War in 1947. The capacity to produce plutonium was increased beginning in 1947. When the Soviet Union developed and tested their first nuclear weapon in 1949, the U.S. nuclear program was reinvigorated. A second post-WW II expansion began in 1950 as a result of the war in Korea. Richland's Cold War construction boom resulted in Richland's population growing to 27,000 people by 1952. Many of these people lived in a construction camp of trailers located in what is now north Richland. With time, these trailers were vacated and the core city grew. Others lived at Camp Columbia near Horn Rapids until the camp was closed in 1950. In 2005 several dozen houses built in the northern part of the core city during this boom were added to the National Register of Historic Places as the Gold Coast Historic District.

Transition to private property[edit]

The government got out of the landlord business in 1957 when the real estate was sold to the residents. Most of the people lived in duplexes; senior tenants were given the option to purchase the building; junior tenants were given the option to purchase lots in a newly platted area of north Richland. Richland was incorporated in 1958 as a chartered First Class City, an open self-governed city. As part of the transition, large areas of undeveloped land became city property. Richland's financial dependency on the federal Hanford facility changed little at this time because Hanford's mission as a weapons materials production site continued during the Cold War years.

Unclassified Hanford[edit]

President Nixon's visit to Richland

At some point, documents and photographs of the Hanford military facilities became declassified by the U.S. government. Those digitized records are considered to be in the public domain, and are hosted on the online Hanford Document Retrieval System.[10] Historical events, such as a visit to the property by President Richard Nixon, are also stored on the database.

After the production boom[edit]

The former Richland City Hall, which has now been demolished

With the shutdown of the last production reactor in 1987, the area transitioned to environmental cleanup and technology. Now, many Richland residents are employed at the Hanford site in its environmental cleanup mission.

Richland High School's sports teams are called the Bombers, complete with a mushroom cloud logo. Some of the streets platted after 1958 are named after U.S. Armygenerals (such as Patton Street, MacArthur Street, Sherman Street, and Pershing Avenue) and after various nuclear themes (Einstein Avenue, Curie Street, Proton Lane, Log Lane, and Nuclear Lane). A local museum, the Columbia River Exhibition of History, Science, and Technology, features exhibits of nuclear technology.

Washington State University, Tri-Cities was founded in northern Richland in 1989, growing out of a former Joint Graduate Center which had been affiliated with the University of Washington, Oregon State University, and Washington State University. Richland is also home to Kadlec Regional Medical Center. Columbia Basin College's Medical Training Center is near Kadlec Regional Medical Center.

Government[edit]

The city of Richland is a full-service city providing police services, fire protection, water utility services, solid waste services, electric utilities, parks and recreational facilities and services, maintenance of city streets and public facilities, and full library services featuring a state-of-the-art library operated by the city. The city pursues community and economic development and offers housing assistance.

Community Center, Richland
Exercise class in a multipurpose room of the Community Center

The Richland Community Center is adjacent to Howard Amon Park, on the east side of the Columbia River. The building was designed by ARC Architects of Seattle, Washington. Many of its rooms have views of the park and Columbia River, which make it a venue for weddings and receptions, family reunions, birthday parties, business, and community meetings. The rooms are also used for a variety of general education and personal enrichment classes including courses in computer/technology, health & fitness, dance, arts & crafts, dog training, home & gardening, language lessons, and martial arts. The Community Center also serves as a gathering place for group recreation and gaming: cribbage, pinochle, bridge, pool, dominoes, and a host of other social activities are available to the public at large.

More recently, the Richland Community Center has hosted a number of important civic events including the Green Living Awards[11] and the Fall Carnival.[12]

As of 2016 the city was planning to rebuild its current city hall to across Jadwin Avenue into the parking lot of the United States Federal courthouse. This decision also includes moving the fire station, which is currently across George Washington Way, to the current site of city hall. The current city hall would be sold to eligible businesses.[13]

Police services[edit]

The City of Richland Police Department comprises approximately 58 commissioned police officers and 15 support staff.[14]

Economy[edit]

Technology[edit]

After the end of World War II Richland continued to be a center of production and research into nuclear energy and related technology.

It has been the home of Pacific Northwest National Laboratory (PNNL) since 1965. One of the two Laser Interferometer Gravitational-Wave Observatory sites is located immediately north of Richland. Numerous smaller high technology business and expert consultants have grown up around the Richland technology center as well.

Preferred Freezer Services Warehouse[edit]

Richland is home to the largest cold-storage facility on Earth—which is also one of the largest buildings on Earth by volume.

Major Employers[edit]

  • Battelle Memorial Institute, operating PNNL
  • Bechtel National Inc., building a waste vitrification plan
  • Washington River Protection Solutions (a partnership of AECOM and EnergySolutions), controlling operations of the nuclear waste tank farms
  • Washington Closure Hanford (a partnership of AECOM, Bechtel, and CH2M Hill), providing waste management and cleanup efforts, including decontamination and demolition (D&D) of facilities along the Columbia River
  • Mission Support Alliance (a partnership of Lockheed Martin, Jacobs Engineering Group, and Centerra Group) providing infrastructure and sitewide services
  • CH2M Hill Plateau Remediation Company, responsible for D&D of facilities on the site's Central Plateau
  • EnergySolutions, providing services to the U.S. government
  • Energy Northwest, generating nuclear power at a nearby reactor facility
  • Framatome creating nuclear fuel
  • Lockheed Martin Services, Inc., providing technology services
  • The U.S. Department of Energy, which operates the Hanford Site

Agriculture[edit]

Agriculture is important in the Richland area; the Tri-Cities area of the Columbia Basin grows excellent produce.[tone] Richland hosts an important food processor, Lamb Weston, which processes potatoes and other foods.

The production of wine in the lower Columbia Basin has become one of the area's main industries. Richland lies at the center of a viticulture area which produces internationally recognized wines in four major Washington appellations and serves as a center for wine tours.[citation needed] The Columbia Valley appellation which surrounds Richland contains over 7,000 hectares planted with wine grapes. On the west the Yakima Valley appellation includes 5,000 hectares. To the east, the Walla Walla Valley appellation includes 500 hectares of wine grapes.

Business and industry[edit]

The Tri-City Industrial Development Council promotes both agricultural related and technology related industries in the region.

Top employers[edit]

According to Richland's 2014 Comprehensive Annual Financial Report,[15] the top employers in the city are:

Education[edit]

The Richland School District serves the cities of Richland and West Richland with ten elementary schools, four middle schools, and three high schools.

Columbia Basin College, primarily located in Pasco, has a small branch campus in Richland.

Washington State University, Tri-Cities, established in North Richland in 1989, sits on the western bank of the Columbia River. The university offers undergraduate and graduate degree programs. It first admitted freshmen and sophomores in the fall of 2007.

Recreation[edit]

Golf[edit]

There are three 18-hole golf courses and one 9-hole course in the area.[citation needed]

Outdoor activities[edit]

Richland has developed a number of parks, several of them fronting on the Columbia and Yakima Rivers. The rivers provide boating, water skiing, fishing, kayaking and waterfowl hunting opportunities.[citation needed]

Richland is included in a bike trail system in the Tri-Cities which is named The Sacagawea Heritage Trail. The trail is a scenic river ride along the Columbia River through the Tri-Cities of Kennewick, Richland and Pasco. It is a 23-mile multipurpose blacktop loop trail on both sides of the river from Sacagawea State Park at the confluence of the Snake and Columbia Rivers up to the I-182 bridge at the Columbia Point Marina on the upper end. Three bridges join the trails on both sides, providing a number of ride options. There are numerous trailheads and access parking spots along the route.

Richland lies within a semi-arid, shrub-steppe environment, and has a number of interesting natural areas within or adjacent to the city:

  • The Yakima River delta and wetlands lie within Richland and provide habitat for many birds and animals. The area around the Yakima delta provides a wooded variation of the normal shrub-steppe.
  • The Badger Mountain Centennial Preserve protects Badger Mountain, located on the edge of Richland in the Richland GMA area. It provides views of the Tri-Cities as well as the Columbia and Yakima rivers. A non-profit group, Friends of Badger Mountain, worked to procure this shrub-steppe area that has the most native vegetation intact, and in 2005 built a trail to the summit. The 2-kilometer trail rises 300 meters above the trailhead in Richland.
  • The Arid Lands Ecology Reserve, at the western edge of Richland on the Hanford Reservation, is the last remaining large block of undisturbed shrub-steppe habitat in the Pacific Northwest. The site has been closed to the public since the 1940s, preserving its character. It is managed as an environmental research area and wildlife reserve.
  • North of Richland, the Hanford Reach, the last free-flowing stretch of the Columbia River in the U.S., provides sightseeing and salmon fishing. This free-flowing stretch flows through the Hanford Reach National Monument, which was created by Presidential proclamation in 2000, and is managed by the U.S. Fish and Wildlife Service. Volunteers are working to construct an interpretive center on Richland's Columbia Point at the confluence of the Yakima and Columbia;[citation needed] in 2006, $22M of the necessary funds were in hand and construction was expected later that year.[needs update]
  • The Amon Creek Natural Preserve in the south part of town protects wetlands around the creek and has several trails.
Sweeping views of Queensgate, Downtown, and North Richland as seen from Badger Mountain

Sports[edit]

Sports teams in the immediate area include the Tri-City Americans WHL ice hockey team (which plays in Kennewick), and the Tri-City Dust Devils Single-A baseball team (affiliated with the Los Angeles Angels) which plays in Pasco.

Washington State University Tri-Cities has a number of club sports teams, including in rugby (2016 Northwest Cup Champions), volleyball, men's soccer and women's soccer.[16]

Geography[edit]

Richland is located at 46°16′47″N119°16′53″W / 46.27972°N 119.28139°W / 46.27972; -119.28139 (46.279657, −119.281377).[17]

According to the United States Census Bureau, the city has a total area of 39.11 square miles (101.29 km2), of which, 35.72 square miles (92.51 km2) is land and 3.39 square miles (8.78 km2) is water.[18] Elevation at the airport is 120 m (394 ft).

In the late 1970s, Richland sought to annex 5 square miles (13 km2) of unincorporated land in Franklin County on the east side of the Columbia River, anticipating development following the construction of Interstate 182. The move was blocked by Pasco, who had planned to annex much of the area themselves.[19] The Richland city government filed an appeal against the Franklin County Boundary Review Board in 1983 following their approval of Pasco's claim; the Washington Supreme Court affirmed the Franklin County decision.[20][21]

Climate[edit]

Richland receives about 7 inches (180 mm) of precipitation per year, giving it a semi-arid desert climate and resulting in a shrub-steppe environment. Summers are hot with infrequent thunderstorms, while winters are milder than all of Eastern Washington with snow falling only occasionally.[citation needed] On June 29, 2021, the maximum temperature of 118 °F (48 °C) was recorded in Richland which tied the all-time record high temperature in the state of Washington.[22]

Climate data for Richland, Washington
Month Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Year
Record high °F (°C) 71
(22)
73
(23)
82
(28)
92
(33)
105
(41)
118
(48)
113
(45)
113
(45)
106
(41)
89
(32)
77
(25)
66
(19)
118
(48)
Mean maximum °F (°C) 58.3
(14.6)
62.71
(17.06)
71.0
(21.7)
81.2
(27.3)
91.
(33)
97.0
(36.1)
102.9
(39.4)
101.3
(38.5)
93.5
(34.2)
80.8
(27.1)
66.2
(19.0)
58.7
(14.8)
104.0
(40.0)
Average high °F (°C) 40.7
(4.8)
48.6
(9.2)
57.9
(14.4)
66.4
(19.1)
75.3
(24.1)
82.2
(27.9)
90.5
(32.5)
89.3
(31.8)
80.6
(27.0)
66.7
(19.3)
50.7
(10.4)
41.5
(5.3)
65.9
(18.8)
Average low °F (°C) 26.4
(−3.1)
30.2
(−1.0)
35.1
(1.7)
40.8
(4.9)
48.1
(8.9)
54.7
(12.6)
59.7
(15.4)
58.7
(14.8)
50.8
(10.4)
41.2
(5.1)
33.7
(0.9)
28.2
(−2.1)
42.3
(5.7)
Mean minimum °F (°C) 1.0
(−17.2)
15.4
(−9.2)
23.4
(−4.8)
30.0
(−1.1)
37.4
(3.0)
45.4
(7.4)
50.2
(10.1)
49.6
(9.8)
39.2
(4.0)
28.5
(−1.9)
19.1
(−7.2)
13.0
(−10.6)
1.0
(−17.2)
Record low °F (°C) −21
(−29)
−22
(−30)
11
(−12)
23
(−5)
30
(−1)
38
(3)
41
(5)
39
(4)
31
(−1)
13
(−11)
−6
(−21)
−10
(−23)
−22
(−30)
Average precipitation inches (mm) 0.99
(25)
0.70
(18)
0.61
(15)
0.49
(12)
0.59
(15)
0.54
(14)
0.20
(5.1)
0.23
(5.8)
0.28
(7.1)
0.54
(14)
0.98
(25)
1.05
(27)
7.15
(182)
Average snowfall inches (cm) 2.6
(6.6)
1.5
(3.8)
0.3
(0.76)
0.0
(0.0)
0.0
(0.0)
0.0
(0.0)
0.0
(0.0)
0.0
(0.0)
0.0
(0.0)
trace 0.6
(1.5)
2.2
(5.6)
7.1
(18)
Source: [23]

Demographics[edit]

Historical population
CensusPop.
1910350
1920279−20.3%
1930208−25.4%
194024718.8%
195021,8098,729.6%
196023,5488.0%
197026,29011.6%
198033,57827.7%
199032,315−3.8%
200038,70819.8%
201048,05824.2%
2019 (est.)58,225[5]21.2%
U.S. Decennial Census[24]

Based on per capita income, one of the more reliable measures of affluence, Richland ranks 83rd of 522 areas ranked in the state of Washington—the highest rank achieved in Benton County.

2010 census[edit]

As of the census[4] of 2010, there were 48,058 people, 19,707 households, and 12,974 families residing in the city. The population density was 1,345.4 inhabitants per square mile (519.5/km2). There were 20,876 housing units at an average density of 584.4 per square mile (225.6/km2). The racial makeup of the city was 87.0% White, 1.4% African American, 0.8% Native American, 4.7% Asian, 0.1% Pacific Islander, 2.7% from other races, and 3.2% from two or more races. Hispanic or Latino people of any race were 7.8% of the population.

There were 19,707 households, of which 31.0% had children under the age of 18 living with them, 51.6% were married couples living together, 10.0% had a female householder with no husband present, 4.2% had a male householder with no wife present, and 34.2% were non-families. 28.2% of all households were made up of individuals, and 10.1% had someone living alone who was 65 years of age or older. The average household size was 2.42 and the average family size was 2.97.

The median age in the city was 39.4 years. 24.2% of residents were under the age of 18; 8.1% were between the ages of 18 and 24; 24.7% were from 25 to 44; 28.4% were from 45 to 64; and 14.6% were 65 years of age or older. The gender makeup of the city was 49.0% male and 51.0% female.

2000 census[edit]

As of the 2000 census, there were 38,708 people, 15,549 households, and 10,682 families residing in the city. The population density was 1,111.8 people per square mile (429.2/km2). There were 16,458 housing units at an average density of 472.7 per square mile (182.5/km2). The racial makeup of the city was 89.55% White, 1.37% African American, 0.76% Native American, 4.06% Asian, 0.11% Pacific Islander, 1.85% from other races, and 2.31% from two or more races. Hispanic or Latino people of any race were 4.72% of the population.

There were 15,549 households, out of which 34.1% had children under the age of 18 living with them, 56% were married couples living together, 9.3% had a female householder with no husband present, and 31.3% were non-families. 27.2% of all households were made up of individuals, and 9.4% had someone living alone who was 65 years of age or older. The average household size was 2.48 and the average family size was 3.02.

In the city the population was spread out, with 27.2% under the age of 18, 7.5% from 18 to 24, 27.1% from 25 to 44, 25.4% from 45 to 64, and 12.8% who were 65 years of age or older. The median age was 38 years. For every 100 females, there were 96 males. For every 100 females age 18 and over, there were 93.2 males.

The median income for a household in the city was $53,092, and the median income for a family was $82,354 (Money CNN). Males had a median income of $52,648 versus $30,472 for females. The per capita income for the city was $25,494. About 5.7% of families and 8.2% of the population were below the poverty line, including 10.8% of those under age 18 and 5.6% of those age 65 or over.

Transportation[edit]

Richland is served by Richland Airport, located in the city, as well as the Tri-Cities Airport, located in nearby Pasco. Both have only domestic flights. Also in Pasco is an Amtrak station, where the Portland-Chicago Empire Builder makes a stop.

Ben Franklin Transit provides bus transportation within Richland and the Tri-Cities area.

Notable people[edit]

Sister city[edit]

Richland's sister city is:[28]

See also[edit]

References[edit]

  1. ^"Kiwanis Club of Atomic City, Richland, Washington".
  2. ^Ryan Lukson at ci.richland.wa.us
  3. ^"2019 U.S. Gazetteer Files". United States Census Bureau. Retrieved August 7, 2020.
  4. ^ ab"U.S. Census website". United States Census Bureau. Retrieved 2012-12-19.
  5. ^ ab"Annual Estimates of the Resident Population for Incorporated Places in Washington: April 1, 2010 to July 1, 2019". United States Census Bureau. May 2020. Retrieved May 27, 2020.
  6. ^"US Board on Geographic Names". United States Geological Survey. October 25, 2007. Retrieved January 31, 2008.
  7. ^"Annual Estimates of the Resident Population for Incorporated Places in Washington: April 1, 2010 to July 1, 2019". United States Census Bureau. May 2020. Retrieved May 26, 2020.
  8. ^Meany, Edmond S. (1923). Origin of Washington geographic names. Seattle: University of Washington Press. p. 244.
  9. ^"Home Blown: The History of the Homes of Richland". City of Richland. Archived from the original(pdf) on 2011-07-18. Retrieved 2010-11-14.
  10. ^"Hanford.gov". Archived from the original on 2013-02-14.
  11. ^"Green Living Awards". Archived from the original on 2013-10-17. Retrieved 2013-10-17.
  12. ^Herald, Tri-City (September 28, 2013). "Community Center to Hold Green". Tri-City Heral. Archived from the original on August 9, 2014. Retrieved October 17, 2013.
  13. ^City website, Richland (April 4, 2016). "Swift Corridor and Future City Hall". Archived from the original on August 22, 2016. Retrieved June 24, 2016.
  14. ^Schilling, Sara; Herald, Tri-City. "Richland Police Department honors officers".
  15. ^"City of Richland CAFR". Archived from the original on 2016-01-29. Retrieved 2015-07-25.
  16. ^"Archived copy". Archived from the original on 2017-02-11. Retrieved 2017-02-09.CS1 maint: archived copy as title (link)
  17. ^"US Gazetteer files: 2010, 2000, and 1990". United States Census Bureau. February 12, 2011. Retrieved April 23, 2011.
  18. ^"US Gazetteer files 2010". United States Census Bureau. Archived from the original on January 12, 2012. Retrieved 2012-12-19.
  19. ^Metcalf, Gale (August 13, 1980). "Pasco, Richland tangle on Franklin annexation". Tri-City Herald. p. 1.
  20. ^"Court upholds Pasco in annexation battle with Richland". Tri-City Herald. Associated Press. January 26, 1984. p. B1.
  21. ^Richland v. Boundary Review Board, 100 Wn.2d 864 (Washington Supreme Court January 26, 1984).
  22. ^Cary, Annette (July 9, 2021). "Hottest day ever near Tri-Cities. It's just one of many records smashed in heat wave". Tri-City Herald. Retrieved September 9, 2021.
  23. ^"RICHLAND, WASHINGTON (457015)". Western Regional Climate Center. Retrieved April 25, 2016.
  24. ^"Census of Population and Housing". Census.gov. Retrieved June 4, 2016.
  25. ^Garcia, Mark (7 February 2018). "Astronaut Candidate Kayla Barron". National Aeronautics and Space Administration. Retrieved 9 December 2020.
  26. ^Culverwell, Wendy (October 25, 2019). "Mattis could receive Congressional Gold Medal under Newhouse proposal". Yakima Herald-Republic. Retrieved 2019-10-29.
  27. ^Jimmy McLarnin, Top Boxer Called Baby Face, Dies at 96
  28. ^"Sister cities". hccg.gov.tw. Hsinchu City. Retrieved 2021-05-07.

Further reading[edit]

  • Kate Brown, Plutopia: Nuclear Families, Atomic Cities, and the Great Soviet and American Plutonium Disasters. Oxford: Oxford University Press, 2013.
  • Barbara J. Kubik, Richland, Celebrating Its Heritage. Richland, WA: City of Richland, Washington, 1994.
  • Paul Loeb, Nuclear Culture: Living & Working in the World's Largest Atomic Complex. Philadelphia, PA: New Society Publishers, 1986.
  • Christine F. Noonan, Federal City Revisited: Atomic Energy and Community Identify in Richland, Washington. PhD dissertation. Ball State University, 2000.
  • S.L. Sanger, Hanford and the Bomb: An Oral History of World War II. Seattle, WA: Living History Press, 1989.

External links[edit]

Wikivoyage has a travel guide for Richland.
Источник: https://en.wikipedia.org/wiki/Richland,_Washington

Richland State Bank Login

It is very rare to see people having troubles with our login system, a guide should still be ready to prevent any mishaps. If you fall into one of those cases where you cannot log into our page, here is a guide for you to fix it on your side.

Step 1 – First, check your Internet connection. This is the primary reason why your login is failing, either due to connection instability or requests timing out. 

Step 2 – Make sure that you are using as well as entering the right login information. Some of our customers have tried using their old passwords and failed. If you can, you can also opt to view your passwords as you type it. However, you should check if anyone is around to see your credentials.

Step 3 – If you have uppercase letters in your passwords, be sure to punch them in at the right place. If all the letters in your passwords are in uppercase, check if you’re using CAPS LOCK.

Step 4 – If the former steps do not help, it is likely that there are cookies in your cache preventing you from logging in. Here is a guide on how to clear your cache on your browser.

Step 5 – Thewebsite might be on the list of restricted sites in your region. You can check it with your Virtual Private Network (VPN) and consider switching your server to another country if you have the option to. If that does not work either, you can switch off VPN completely. 

Step 6 – In case you forget your passwords, here are the instructions to follow to regain it.

Step 7 – If nothing else works, please contact us via our mailbox or our phone number. We will be honored to help you with any problems you run into.

Источник: https://itprospt.com/richland-state-bank-login/

State Bank of Lincoln provides banking services. The bank offers financial, personal, business and loan facility services. The bank was founded in 1867

State Bank of Lincoln online services are designed to give the members a fast and secure access to all the banking services offered. There is also a mobile app that customers can download on their smartphones so that they can bank even when they are on the go. We have covered steps that can help you to easily manage your bank account online. The steps involve: logging in, changing password and signing up.

How to login

The login process is very straightforward for members who have valid login details. The quick steps that you will need to follow have all been covered here:

Step 1-Open https://www.sblincoln.com/

Step 2-Type in a valid user ID and also your password and then click login to continue

You need to make sure that all the details you have provided here as logins are correct

How to reset your password

Members who have registered already and have an online account with the bank can change the password to continue accessing the banking services over the internet. Here are steps to follow to reset your password:

Step 1-Type in your login details. Because the password is wrong, you will get an error and you will navigate to the page shown below

Step 2-Click forgot password

Step 3-Type in your netteller internet banking ID, email subject and email address on file and click continue

How to sign up

The signing up process is easy and this is because the bank wants as many customers as possible to enroll for the online banking services. The steps you need to follow to enroll have all been covered here:

Step 1-Click options & help on the top right corner of the website

Step 2-Click apply now

Step 3-Fill the form you see there, print it and take it to the nearest branch for registration

Manage your State Bank of Lincoln account online

  • Review your transaction history
  • Schedule a payment
  • Pay your bills
  • Customer support

Источник: https://www.banki.tel/state-bank-lincoln/

Highest Yielding CD Rates for Aberdeen, SD

What are Certificates of Deposit (CDs)?

CDs, often also called time deposits, are a savings vehicle similar to a savings or money market account, but guaranteeing a fixed rate in return for a consumer’s commitment to keep the money deposited until a specified date (the maturity date). Only in rare circumstances, and with the payment of a penalty, can the money be withdrawn early, and then it is at the bank’s discretion.

What are advantages and disadvantages of certificates of deposit compared to a savings account?

Since the rate is fixed, you avoid the risk of falling savings rates. You take on the risk of rising rates. Rates are above savings rates to compensate you for the risk of rising rates and to provide you with a premium for agreeing to keep your money on deposit until maturity. You should consider the rates above carefully in comparison with the best savings rates that may be available to you. Depending on your view of the direction of rates and the trajectory at which you believe they will rise, you may be more inclined to stick with shorter maturities (1-year) or you may find that that the premium of any CDs over savings rates does not provide adequate compensation.

What are the top current CD rates?

The table above lists best CD rates currently offered for several different maturities (lengths). Rates on longer maturities are ordinarily higher as they provide greater compensation for the risk of rising rates and provide you with a greater premium of depositing your money for a longer time.

Are the funds in certificates of deposit insured?

CDs in FDIC-insured or NCUA-insured institutions are insured so long as you remain within relevant insurance limits, ordinarily to a maximum of $250,000 within an ownership category. If you hold a CD that is accruing interest during the course of CD, you may wish to consider depositing no more than such amount that will, when combined with any other accounts you have at the bank or credit union, exceed $250,000 at maturity.

What is a reasonable Early Withdrawal Fee?

An Early Withdrawal Fee (also called an Early Termination Fee) is the fee charged by a bank for early termination of a CD (termination before maturity). This fee is ordinarily expressed by the bank in terms of months of interest, rather than as a flat fee, and if the CD is cancelled before that period has passed may reduce principal. A reasonable fee for early withdrawal from a CD (early termination of a CD) is said to make the CD more liquid. Rates & Info believes that a reasonable early withdrawal fee for a CD of less than one year is 3 months’ interest and a reasonable early withdrawal fee for a CD of 18 months to 5 years is 6 months’ interest. In a rising interest rate environment or one where you require liquidity, you should avoid CDs with more onerous Early Withdrawal Fees. Under any circumstance, you may wish to also favor No Penalty CDs. You may wish to read this important article in a competing website which indicates that banks may retain the right not to allow early termination even with payment of this fee.

Should I invest in CDs?

Your own risk tolerance level and personal situation determines your allocation to cash versus risk assets. Cash can be apportioned between savings accounts and CDs. However, if you feel interest rates will rise quickly, you should keep all of your cash in high-interest savings accounts.


The graph above shows how the average rates for CD accounts have trended over the last several years.


The graph above shows the difference in rate between average 5-year CD rates and average 1-year CD rates.

Источник: https://www.ratesandinfo.com/cd-sd-aberdeen

Holiday Loans are Back!

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This site contains a number of keyboard shortcuts, called "accesskeys," to assist in navigating. Each Internet browser has a different method of accessing these keys:

  • Internet Explorer on a PC use ALT+Accesskey
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Please note: Internet Explorer users may also need to hit the “enter” key to activate a link. Apple users with Spaces enabled may need to use the accesskey for Skip to the main navigation (A); then, TAB through the navigation and press "enter" to activate a link.

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  • 0 : Back to Home
  • 1 : Accounts
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  • 3 : Loans
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Источник: https://www.palmettohealthcu.org/

Richland State Bank Login

14 best entertainment apps for students

Give your smartphone or tablet a boost and get more out of it. TikTok Short videos that conquered the world. Videos with funny voiceover, dancing cats and dogs, DIY instructions, and recipes for new dishes - subscribe to their creators and make cool videos on your smartphone yourself! To say the truth, this app takes a lot of time. Before installing it be sure that you have extra hours. Getessay writerhelp and relax! Twitch The app doesn't just feature streams (online broadcasts) from gamers. There are music channels and channels with knitting, plant care, or just about everyday life. Pure For those who are bored with Tinder. The main feature of the service is anonymity: you only need mail to register, chats are encrypted and are automatically deleted after 24 hours. Snapchat The application blew up the internet thanks to funny masks and unusual effects. Here you can not only communicate and share bright moments but also play online games, see on the map where your friends are now and how they are doing, see stories shot nearby. GeForce Now A platform that allows you to play heavy computer games on your smartphone - even if they are not adapted for Android. All data is processed in the cloud, and you get a ready-to-play video stream. Thus, you only need a fast and stable Internet to play cool gameplay. TV Time Movie and TV Series Tracker. The app picks up options based on your viewing history and keeps track of new episodes. You can also leave reviews of projects here to help other users make choices. Lazy IPTV An app for watching a wide variety of TV channels on your smartphone. Sports, movies, popular shows - choose what interests you and stop fighting for the TV remote control! To find channels you need playlists: you can find them on the 4PDA forum and other resources. Equalizer Music Player Booster Equalizer will improve the sound quality so you can enjoy listening to music or audio tracks in movies. You can also set a special sound atmosphere so that you can get deeper into your favorite mobile game and notice every movement of the enemy or monster. CoolReader One of the best e-book readers. In it, you will be able to set up a comfortable design and brightness of the screen, and even pages will rustle when you flip through them. Many formats, dictionaries, day and night profiles are supported. Onefootball A good app for soccer fans. In it, you will find match results, news, transfer reports, statistics, videos of the best moments, and a lot of other relevant information. Strava Barely the best app for runners and cyclists. It will help you keep track of your progress - even if you do not exercise professionally, but just like to explore new paths and actively spend time. The app synchronizes with smartwatches and fitness trackers, builds routes on maps and allows you to share them on social networks, and helps you find like-minded people. Google Lens A smart app that allows you to scan your surroundings, recognize objects, copy text, search for products, and much more. It is your "virtual eyes" with artificial intelligence: with Google Lens, you can find everything on the Internet that falls within the "field of view" of your smartphone camera. For example, to determine the breed of a cat or a clothing brand, to translate the text of a pointer into the language you understand, and so on. Waze A simple and convenient navigator with additional functions. For example, it allows you to share information with other users: to report a pothole, road works, police ambush, and so on. The maps in Waze are quite accurate, the sounding is convenient, there are tips on the lanes and smart route rebuilding if there is a traffic jam ahead. Yummly A versatile menu planner: it allows you to create recipes, taking into account the products that are in your fridge, and make shopping lists. The app takes into account your preferences and allergies, helping you to diversify your meals and not to buy unnecessary items.

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Источник: https://www.loginask.com/richland-state-bank-login

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When you see the OLA seal, you can trust you’re working with a company committed to the highest standards of conduct, dedicated to ensuring the best possible experience for their customers, fully compliant with federal law, and working hard to protect consumers from fraud.

Источник: https://compacom.com/companies/richland-state-bank
Sioux Falls, SD 57109

Phone: 877-354-2629

Email: [email protected]

Website: LaunchServicing.com

What are my deferment / forbearance options for my Ascent college loan?
A borrower may request deferment through Launch Servicing in writing, or by completing and signing a deferment form and providing the appropriate documentation requested on the form. All deferments after the In-School period are provided solely at the lender’s discretion. Interest shall continue to accrue on loans during periods of authorized deferment. Unpaid interest is capitalized when the deferment period ends. Ascent’s college richland state bank online login include the following deferment and forbearance options:

 

  • Active Duty Military Deferment
  • In-School Deferment
  • Residency / Internship Deferment
  • Temporary Hardship Forbearance
  • Administrative Forbearance
  • Natural Disaster / Declared Emergency Forbearance

Active Duty Military Deferment

A borrower is eligible for an Active Duty Military Deferment upon submitting an application for such and eligible documentation to the repayment Servicer showing that he or she is serving on active duty during a war or other military operation or national emergency or performing qualifying National Guard duty during a war or other military operation or national emergency.

  • Active Duty Military Deferment is available up to a cumulative limit of 36-months.
  • This deferment DOES extend the repayment term.

In-School Deferment

Student borrowers that have exited an in-school status, either by separating from school (or dropping to less than half-time enrollment) and subsequently entering a repayment status prior to re-establishing at least half-time enrollment at an eligible institution, or by using the maximum allowable months of in-school status, may be eligible for an In-School Deferment. Student borrowers must apply for an In-School Deferment, and eligibility is based on verification of at least half-time enrollment at an eligible institution.

  • This deferment DOES extend the repayment term.

Residency / Clerkship / Internship / Fellowship Deferment

Student borrowers may be eligible for a Residency / Clerkship / Internship /Fellowship Deferment if the student:

  • Has been accepted into a Residency / Clerkship / Richland state bank online login / Fellowship program which must be a supervised program; and
  • Require that the student hold at least a bachelor’s degree before acceptance into the program; and
  • Must either:
    • Lead to a degree or certificate from an institution of higher education, a hospital, or a health facility that offers postgraduate training, or
    • Be required before the student may be certified for professional practice or service, which must be verified by the relevant state licensing agency.
  • This deferment DOES extend the repayment term.

 

Borrowers are limited to a total of 48 months of eligibility in increments of up to 12-months at a time for In-School & Residency / Clerkship / Internship / Fellowship Deferment described above.

Temporary Hardship Forbearance

Borrowers experiencing periods of financial difficulty may be granted forbearance. The forbearance period duration may be from a minimum of 1 month to a maximum of 3 months. A borrower may apply for up to 4 consecutive periods of Temporary Hardship Forbearance. A maximum of 24 total months of Temporary Hardship Forbearance may be granted during the life of the loan. Interest shall continue to accrue on loans during periods of authorized forbearance. Unpaid interest is capitalized when the forbearance period ends.

  • This forbearance DOES extend the repayment term.

Administrative Forbearance

An administrative forbearance may be used for temporary suspension of collection activity while researching borrower disputes, awaiting bankruptcy and death documents, or for other circumstances as approved by the loan holder. Interest shall continue to accrue on loans during periods of authorized forbearance. Unpaid interest is capitalized when the forbearance period ends.

  • This forbearance DOES extend the repayment term.

 

Natural Disaster / Declared Emergency Forbearance

Student borrowers that are adversely affected by a natural disaster, a local or national emergency (declared by the appropriate government agency), or a military mobilization, may be granted Natural Disaster / Declared Emergency Forbearance for a period not to exceed 3 months. Interest shall continue to accrue on loans during periods of authorized forbearance. Unpaid interest is capitalized when the forbearance period ends.

  • This forbearance DOES extend the repayment term.

 

(1) If the 20th day of the preceding calendar month is not a business day where the banks of both New York and London are open for the transaction of business, then the previous business day will be used to determine the current index. If the annual capitalization date is a non-business day for the Lender or Servicer, then the interest will capitalize on the next business day.

(2) The maximum loan amount may not exceed the amount requested on the application. Additionally, subject to applicable law, the Lender reserves the right to approve a final loan amount that could be less than the amount requested on the application or as certified by the school. Because the Ascent Undergraduate Non-Cosigned Outcomes-Based Loan option is available to student borrowers with no credit history or limited history students without any reliance on cosigners, several factors may come into consideration for the maximum loan amount, including: creditworthiness, school, program, graduation date, major, cost of attendance and other factors. Processing times may be longer and loan amounts may be significantly lower than the loan amount requested.

(3) Depending on loan terms, either a 0.25% (for Credit-Based Loans) or 1.00% (for Undergraduate Outcomes-Based Loans) Automatic Payment interest rate reduction is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. Borrowers lose this benefit after two (2) Non-sufficient Funds payments, until they re-qualify and re-enroll in automatic payments. Interest rate reduction(s) will not apply during periods when no payment is due, including periods of in-school, deferment, grace or forbearance. (See Ascent Student Loans Automatic Payment Discount Terms & Conditions.)



NOTE: Ascent’s bootcamp loans are consumer loans for those seeking to transform their career at a bootcamp or accelerated-learning program. There are several key differences, and we encourage students to perform their own research into this topic. However, some of the high-level differences between an Ascent consumer loan for bootcamps and a private student loan include:

– For private student loans, interest paid may be tax deductible. For consumer loans for bootcamps, interest is not tax deductible. Please consult your tax advisor to determine if this applies to you.

– Consumer loans for bootcamps may be treated differently in the event of a borrower bankruptcy.

– Private student loans may typically only be used for qualified education expenses as defined by the IRS.

Why Ascent bootcamp loans?
At Ascent, we partner with schools we believe in and help students pay their tuition and living expenses. We’ve now helped thousands of bootcamp students afford career training programs and raised the bar for quality and outcomes in education!

 

In partnership with leading schools, we’ve created a financing platform that is both transparent and student-first. We’re proud of the work we do!

How does Ascent pick which bootcamps to work with?
We start by asking schools (bootcamps) the right questions about their application process, acceptance rates, curriculum, the qualifications of their staff, and student outcomes like employment rates and average salaries for graduates. We perform an extensive evaluation to ensure every bootcamp school we partner with is setting the bar high and paving the way for student success.
Has Ascent ever stopped working with a bootcamp school?
Yes, several of them. While we’re mindful of the fact that Ascent isn’t a regulatory body or an accreditor, we commit to doing our absolute best to ensure we’re only partnering with schools that deliver a tangible “Return On Education.” (That’s our way of saying you get your money’s worth and can start a better future.)

 

Despite our diligent efforts, sometimes we’re just not a fit – perhaps culturally or operationally. Other times, we develop concerns that a partner school will not be able to deliver on the promises they’ve made to bootcamp students.

For this reason, our quality assurance efforts are continuous and never ending. We’re always checking up on our partners. We believe every bootcamp student deserves their maximum Return On Education, and we’re committed to helping make it happen for our students.

Are Ascent bootcamp loans the same as student loans?
No, they’re consumer loans to help pay for tuition or cost of living at our partner schools. (Read the FAQ “What are some differences between consumer loans for bootcamps and private student loans for college?” for more information.)
What are some differences between consumer loans for bootcamps and private student loans for college?
There are several key differences, and we encourage students to perform their own research into this topic. However, some of the high-level differences between an Ascent consumer loan for bootcamps and a private student loan include:
  • For private student loans, interest paid may be tax deductible. For consumer loans for bootcamps, interest is not tax deductible.
  • Consumer loans for bootcamps may be treated differently in the event of a borrower bankruptcy.
  • Private student loans may typically only be used for qualified education expenses as defined by the IRS.
How do I apply for an Ascent bootcamp loan?
To start the online loan application, click “Apply Now” in the top right corner of this website. Or, visit your school’s Ascent partnership page to see more details about the loan options for richland state bank online login program before applying. 

 

You can apply for an Ascent bootcamp loan to see if you pre-qualify without any impact to your credit score. After you pre-qualify, you’ll preview your monthly payments and repayment plan options. Once you choose a plan, we’ll run a hard credit check to confirm your eligibility so you can finalize your loan.

When should I apply for an Ascent bootcamp loan?
You can submit an application and become pre-qualified as early as 90-days before your program starts. In addition to learning more about your eligibility, pre-qualification allows you to see your rates and loan options. Before accepting a loan option, please ensure you have enrolled at your school.
Will I qualify for an Ascent bootcamp loan?
Our goal at Ascent is to help students from all walks of life and with a broad range of backgrounds get access to the programs that interest them. We offer two possible ways to qualify for an Ascent loan: on your own or with a cosigner. 

To see if you pre-qualify for an Ascent bootcamp loan, submit an application. In the pre-qualification process, we’ll conduct a soft credit check with no impact to your credit score. In addition to learning richland state bank online login about your eligibility, you can also see the rates and terms you pre-qualify for.

Applicants must be U.S. citizens, permanent residents, or DACA recipients with established credit history & no outstanding education loan defaults. U.S. temporary residents may apply with a creditworthy cosigner that is a U.S. citizen or U.S. permanent resident. 

Adding a cosigner can help strengthen your application’s overall credit health, and may even help lower your loan’s interest rate, APR, or monthly payments. 

 While our application process asks for income and employment details, we won’t use income, employment, or your requested loan amount to evaluate your application.

Can students that are Non-U.S. citizens apply for an Ascent bootcamp loan?
Yes. Individuals may apply as a borrower or cosigner based on their citizenship status as follows:
  • U.S. Permanent Residents – as a solo borrower, as a cosigner or as a borrower with a qualified cosigner.
  • Deferred Action for Childhood Arrival (DACA) status – as a solo borrower or as a borrower with a qualified cosigner.
  • U.S. Temporary Residents – as a borrower with a qualified cosigner only.

 Documentation requirements: The following are documentation will be required to verify your individual resident status:

  • For U.S. Permanent Residents: Provide a Permanent Resident Card.
  • For DACA status: Provide documentation tcf bank loan payments the U.S. Department of Homeland Security / U.S. Citizenship and Immigration Services (USCIS) that indicates DACA status that does not expire within 6-months of the end of the enrollment period for which the loan is being requested.
  • For U.S. Temporary Residents

A VISA that does not expire within 6-months of the end of the enrollment period for which the loan is being requested. with an acceptable category as follows:  F-1, F-3, G Series, H-1B, H-1C, H-3, J-1, L-1, M-1, M-3, T-1, TN

OR

An I-20 Form (pages 1 & 2 and signed by the school) and an unexpired passport from country of origin.

Will Ascent check my credit history?
Yes. Ascent will conduct an initial soft credit check so you can see the rates, terms, and payments you pre-qualify for. Unlike hard credit checks, soft credit checks do not appear on your credit report and will not impact your credit score. After you preview your rates, you can choose a loan option and continue your application. If you continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit check. Before we conduct a hard credit check, the application will ask for your consent.
Can I add a cosigner?
Yes, you can add a cosigner to your loan. There are two ways to qualify for an Ascent bootcamp loan: on your own, or with a cosigner. Depending upon your credit health, a cosigner might be required. Cosigners may strengthen your application’s overall credit health. In some scenarios, adding a cosigner may reduce your interest rate and lower your payments. If you’re concerned about your eligibility for an Ascent loan, consider adding a cosigner with strong credit health.

 

You can choose to add a cosigner before you submit your loan application, or may be given the option to add a cosigner after you apply.

 

If you’d like to add a cosigner when you apply, you can select this option in the application. If your cosigner is with you, they can start their portion of the application right away. If not, we’ll send them an email asking them to complete their part. Your cosigner’s portion of the application will look very similar to yours. 

 

We’ll keep you and your cosigner updated on the status of your application throughout the process. You’ll receive an email or a notification in the application if you or your cosigner have any required steps to take.

How much can I borrow?
For bootcamp tuition, you can apply for as little as $2,000 up to the maximum tuition for your school, program, and location. Depending on your program, you might have the option to borrow living expense funds, which you can use to help cover your living costs. You need to apply for at least $2,000 in tuition to add living expenses.

 

To see the options for your program before you apply, visit your school’s Ascent partnership page. If you need to lower your loan amount or cancel after you apply, we can help!

I am applying for a scholarship. Should I wait to apply for an Ascent bootcamp loan?
You can apply for an Ascent bootcamp loan at the same time as applying for scholarships – in fact, we recommend it! Scholarships are a great way to supplement your funding. You can also apply for a loan if you already have a scholarship, or even if you plan to apply for scholarships in richland state bank online login future. 

 

If you receive a scholarship after you apply for a loan, we can easily lower your loan amount before we send your tuition funds to your school. To request a loan decrease, log in to your Ascent dashboard or email [email protected] with the amount of your scholarship. If you need to lower your loan amount after your funds have been sent, you can simply apply your funds to your loan balance at any time without prepayment penalty.

 

Although we can decrease your loan amount, we can’t increase your loan amount. If you apply for less than the maximum tuition and then realize you do need more funds, please log in to your Ascent dashboard and submit a new application.

What are your interest rates for bootcamp loans?
We work with our bootcamp partner schools to ensure students have access to competitive financing. To see the fixed interest rates and APRs currently available for your school and program, visit your school’s Ascent partnership page.

 

To see if you pre-qualify for an Ascent loan, submit an application. In the pre-qualification process, we’ll conduct a soft credit check with no impact to your credit score. In addition to learning more about your eligibility, you can also see the rates and terms you pre-qualify for.

What’s the difference between fixed rates and variable rates?
The interest rate on a loan is the base cost of borrowing money for the duration of your loan and is a percentage of the principal loan amount. It can be fixed (it will not change over time) or variable (it could change over time). Variable interest rates can increase or decrease throughout the life of your loan, which may result in your monthly payment changing. All Ascent bootcamp loans are fixed rate, so you can be confident your rate won’t go up over the life of your loan.
What is an APR?
The Annual Percentage Rate (APR) is the big picture on your loan. It outlines the annual cost of your loan and includes the origination fee, financing charges, capitalized interest, and the interest rate to reflect the total annualized cost of the loan. Like a stand-alone interest rate, it’s shown as a percentage. APRs are a great way to gauge the total cost of your loan. At Ascent, we commit to including APR anywhere we communicate interest rates so you can make an informed decision. 

The APR for Ascent bootcamp loans includes the origination fee and interest rate.

How much is the origination fee for Ascent’s bootcamp loans?
You will be charged aone-time origination fee of 5.0% of your loan amountfor an Ascent bootcamp loan. This will be added to the amount you borrow and is included in the total loan principal amount you finance. It helps cover the administrative fees associated with originating the loan. It is the only fee charged for taking out this loan, and it is factored into your loan’s Annual Percentage Rate (APR).
I need financing for tuition and living expenses. How do I select the amount for each?
Depending on your program, you might have the option to borrow funds for living expenses, which you can use to help cover your living costs while attending your program.

In most cases, you’ll apply for your tuition and living expenses at the same time with just one application. When you apply, you’ll find two fields for loan amounts in the application: one for tuition and one for living expenses. Enter the amount you would like to borrow for each. You need to apply for at least $2,000 in tuition financing to add living expenses financing.

Some eligible programs offer a separate Living Expense Loan, which allows you to borrow $1,500/month during your program. To apply for a Living Expense Loan for an eligible program, you must have a Deferred Tuition Loan application in progress or have been approved for a Deferred Tuition Loan, and you must submit your application before your cohort begins. Simply submit your Deferred Tuition Loan application to gain access to the Living Expense Loan application.

To see if funds for living expenses are available for your school and program, visit your school’s Ascent partnership page.

What is the status of my Ascent bootcamp loan application?
To see the status of your bootcamp loan application, visit your Ascent dashboard at bootcamp.ascentfunding.com or call Ascent at 877-279-2614. We’ll also send you emails throughout the process to keep you updated. You can save your progress in the application and return to it at any time.
When do I start making payments on my Ascent bootcamp loan?
Depending on your school and program, you’ll have the choice between several repayment plans. Your repayment plan will determine how and when you’ll repay your loan.
  • Deferred Repayment: You’ll make no payments while you’re in school and for three months after. Then you’ll start making full payments (interest + principal).
  • Interest-only Repayment: you’ll start making smaller interest-only payments roughly one month after your program begins. Three months after your program ends, you’ll start making full payments (interest + principal).
  • Immediate Repayment: You’ll start making full payments (interest + principal) roughly one month after your program starts.
  • Outcomes Loans or Deferred Tuition Loans: You’ll make no payments for up to a year after you complete your program, or when you receive a qualifying job offer as determined by the Thinkful Tuition Refund Guarantee, Springboard Job Guarantee, or Kenzie Guarantee. Then you’ll start making full payments (interest + principal). Only available for programs at Thinkful, Springboard, and Kenzie Academy (additional terms apply). You’ll make no payments for up to a year after you complete your program, or when you receive a qualifying job offer as determined by the Thinkful Tuition Refund Guarantee, Springboard Job Guarantee, or Kenzie Guarantee. Then you’ll richland state bank online login making full payments (interest + principal).

 

Before you apply, you can preview the loan options available for your school and program.

Can I defer payments for my Ascent bootcamp loan?
Yes! Ascent offers two deferred options for bootcamp loans to help you focus on your education and job search. To see if these options are available for your school and program, visit your school’s Ascent partnership page.
  • Deferred Repayment: You’ll make no payments while you’re in school and for three months after. Then you’ll start making full payments (interest + principal). This option is available at most of our bootcamp partner schools.

Outcomes Loans or Deferred Tuition Loans (only available at Thinkful, Kenzie, and Springboard): You’ll make no payments for up to a year after you complete your program, or when you receive a qualifying job offer as determined by the Thinkful Tuition Refund Guarantee, Springboard Job Guarantee, or Kenzie Guarantee. Then you’ll start making full payments (interest + principal). This option is only available for programs at Thinkful, Springboard, and Kenzie Academy, additional terms apply.

What loan terms are available for Ascent bootcamp loans?
Ascent bootcamp loans offer 36- and 60-month loan terms. With a 36-month loan, you’ll make 36 monthly payments. With a 60-month loan, you’ll make 60 monthly payments. Typically, borrowers who want to pay off their loan quickly choose a 36-month loan, and borrowers who want to make lower monthly payments choose a 60-month loan. No matter which loan term you pick, you always have the flexibility to make early payments without any prepayment fees.
Do I have to pay the full “total cost” of the loan shown in my loan offer even if I make early payments?
No, you can reduce your total cost by making early payments! This is a benefit we hope our borrowers take advantage of. When you apply for a loan, we show you as many details as we can upfront. One of those details is the total cost of the loan, which is the total amount you’ll pay over the scheduled lifetime of the loan. Our calculation of the total cost assumes that you will pay off your loan by making monthly on-time minimum payments for your entire loan term, which is either 36 or 60 months. The total cost includes (1) the origination fee of 5% of your loan amount, (2) the loan amount, and (3) the interest accrued over the lifetime of the loan. 

 

With our loans, you can make early payments or fully pay off your loan at any time with no prepayment fees. Many of our borrowers graduate from their programs, land jobs, and pay off their loans early! This is a financially smart move, because if you make early payments, you’ll accrue less interest over the lifetime of your loan. In summary – we don’t hold you to the total cost you see in your loan offers. If you make early payments, you can reduce the interest you accrue, which reduces your loan’s total cost!

How do I make payments on my Ascent bootcamp loan?
You have several monthly payment options, including automated payments! After you are approved for a loan, we’ll help you set up your repayment account with our loan servicer. Launch and Aspire are the loan servicers for Ascent’s bootcamp loans. Our servicers send your statements, process payments, and help you with any payment questions. 

 

To pay your loan or ask questions about an existing loan visit Launch online or call 877-354-2629. If you applied for your loan on orbefore June 9, 2019, visit Aspire online or call 1-800-243-7552.

Can I set up automatic payments for my Ascent bootcamp loan?
As of 2020, Ascent bootcamp borrowers have the option to enroll in Autopay. There are many benefits to making automatic payments on your loan with Autopay:
  • Save on interest: If you’re using Autopay, you receive a 0.25% reduction in the interest rate on your loan!
  • Avoid stress and late fees. With Autopay, your monthly loan payments are automatic, so you’ll never have to worry about missing a loan payment or paying late fees.
  • Protect your credit: Making monthly, on-time payments on a loan is one of the best ways to help maintain your credit health. Autopay protects your credit by making sure you pay your loan on time every month.

 

For more on Autopay, see the Automatic Payment Discount Terms & Conditions. Interest rate reduction of 0.25% applies only when the borrower and/or cosigner sign up for automatic payments and the payment amount is successfully deducted from the designated bank account each month. Interest rate reduction(s) will not apply during periods when no payment is due, including periods of in-school, deferment, grace or forbearance, unless a regular payment amount has been arranged with the servicer. If you have two (2) consecutive returned payments for Nonsufficient Funds, we may cancel your automatic debit enrollment and you will lose the interest rate reduction. You will then need to re-qualify and re-enroll in automatic debit payments to receive the interest rate reduction.

I have been financially affected by COVID-19. What are my repayment options?
For customers financially impacted by COVID-19, our servicers offer forbearance options.

If your job or income has been affected by COVID-19 and you are concerned about your ability to make loan payments, we encourage you to reach out to your loan servicer to learn about your options. 

 

Ascent works with two loan servicers, and both are ready to help those who have been financially impacted.

  • Visit Launch online or call 877-354-2629 if you applied for your loan on or after June 10, 2019.
  • Visit Aspire online or call 1-800-243-7552 if you applied for your loan on orbefore June 9, 2019.
How and when will I receive my funds?
We send your funds on the second Wednesday after your program starts. On that day, the tuition portion of your loan is sent directly to your school and any living expense funds are sent directly to you (with the exception of Thinkful).
Once I have a loan, how will my school know my tuition is paid for?
We work closely with staff at your school throughout the process. When you apply for an Ascent bootcamp loan, we reach out to your school and ask them to certify your loan and confirm your enrollment. Next, you sign your final loan documents and finalize your loan. After your loan is finalized, we let your school know that your tuition is paid!
What happens to my loan if I drop out of my program?
While it is our hope that every student graduates and finds an awesome job in their chosen field, we understand that other circumstances may intervene.

 

If you are owed a refund by your school, Ascent will follow your school’s refund policies. Please refer to your school’s policies and agreements.

 

Regarding your tuition: You are responsible for the full amount you borrow, plus accrued interest and fees. If you are owed a refund by your partner school, the refund transaction will be made to Ascent in the amount of the refund due (but in no event greater than what that we paid to the school on your behalf). If there is a balance on your loan after any applied refund, you will be required to immediately start making monthly payments for the balance.

 

For Deferred Repayment, Interest-Only Repayment, or Immediate Repayment Loans, you will immediately begin making full (interest + principal) payments when you withdraw from your program. For Outcomes Loans or Deferred Tuition Loans, you will have a 3 month grace period after withdrawing from your program before you begin making richland state bank online login any borrowed living expense funds: Because you’ve received the funds, you’re responsible for repaying them to Ascent. If there is a balance on your loan after any applied refund, you will be required to immediately start making monthly payments for the balance.

How can I cancel my loan?
You can cancel your loan application with us at any time by logging into your Ascent account at bootcamp.ascentfunding.com.
How do I make payments on my Ascent bootcamp loan?
You have several monthly payment options, including automated payments! After you are approved for a loan, we’ll help you set up your repayment account with our loan servicer. Launch and Aspire are the loan servicers for Ascent’s bootcamp loans. Our servicers send your statements, process payments, and help you with any payment questions. 

 

To pay your loan or ask questions about an existing loan visit Launch online or call 877-354-2629. If you applied for your loan on orbefore June 9, 2019, visit Aspire online or call 1-800-243-7552.

Can I set up automatic payments for my Ascent bootcamp loan?
As of 2020, Ascent bootcamp borrowers have the option to enroll in Autopay. There are many benefits to making automatic payments on your loan with Autopay:
  • Save on interest: If you’re using Autopay, you receive a 0.25% reduction in the interest rate on your loan!
  • Avoid stress and late fees. With Autopay, your monthly loan payments are automatic, so you’ll never have to worry about missing a loan payment or paying late fees.
  • Protect your credit: Making monthly, on-time payments on a loan is one of the best ways to help maintain your credit health. Autopay protects your credit by making sure you pay your loan on time every month.

 

For more on Autopay, see the Automatic Payment Discount Terms & Conditions. Interest rate reduction of 0.25% applies only when the borrower and/or cosigner sign up for automatic payments and the payment amount is successfully deducted from the designated bank account each month. Interest rate reduction(s) will not apply during periods when no payment is due, including periods of in-school, deferment, grace or forbearance, unless a regular payment amount has been arranged with the servicer. If you have two (2) consecutive returned payments for Nonsufficient Funds, we may cancel your automatic debit enrollment and you will lose the interest rate reduction. You will then need to re-qualify and re-enroll in automatic debit payments to receive the interest rate reduction.

I have been financially affected by COVID-19. What are my repayment options?
For customers financially impacted by COVID-19, our servicers offer forbearance options.

If your job or income has been affected by COVID-19 and you are concerned about your ability to make loan payments, we encourage you to reach out to your loan servicer to learn about your options. 

 

Ascent works with two loan servicers, and both are ready to help those who have been financially impacted.

  • Visit Launch online or call 877-354-2629 if you applied for your loan on or after June 10, 2019.
  • Visit Aspire online or call 1-800-243-7552 if you applied for your loan on orbefore June 9, 2019.
Источник: https://www.ascentfunding.com/faq/

State Bank of Lincoln provides banking services. The bank offers financial, personal, business and loan facility services. The bank was founded in 1867

State Bank of Lincoln online services are designed to give the members a fast and secure access to all the banking services offered. There is also a mobile app that customers can download on their smartphones so that they can bank even when they are on the go. We have covered steps that can help you to easily manage your bank account online. The steps involve: logging in, changing password and signing up.

How to login

The login process is very straightforward for members who have valid login details. The quick steps that you will need to follow have all been covered here:

Step 1-Open https://www.sblincoln.com/

Step 2-Type in a valid user ID and also your password and then click login to continue

You need to make sure that all the details you have provided here as logins are correct

How to reset your password

Members who have registered already and have an online account with the bank can change the password to continue accessing the banking services over the internet. Here are steps to follow to reset your password:

Step 1-Type in your login details. Because the password is wrong, you will get an error and you will navigate to the page shown below

Step 2-Click forgot password

Step 3-Type in your netteller internet banking ID, email subject and email address on file and click continue

How to sign up

The signing up process is easy and this is because the bank wants as many customers as possible to enroll for the online banking services. The steps you need to follow to enroll have all been covered here:

Step 1-Click options & help on the top right corner of the website

Step 2-Click apply now

Step 3-Fill the form you see there, print it and take it to the nearest branch for registration

Manage your State Bank of Lincoln account online


Источник: https://www.banki.tel/state-bank-lincoln/

Richland, Washington branches and ATM locations

Usted está saliendo de Chase en español.

El contenido de la página o páginas siguientes están solo en inglés.

Además, si opta por solicitar los productos de Chase por Internet, tenga en cuenta que todos los documentos relacionados con la cuenta estarán disponibles solo en inglés.

Estás saliendo del sitio Web de Chase

Chase no es responsable, ni proporciona o aprueba los productos, servicios u otros contenidos del sitio Web de terceros al que te diriges. Las políticas de privacidad y seguridad de Chase no se aplican en ese sitio Web. Consulta las políticas de privacidad y seguridad del sitio Web de terceros.

You're now leaving Chase

Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn’t responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.

You're now service credit union branches near me Chase

Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn’t responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.

Источник: https://locator.chase.com/wa/richland

Richland State Bank Login

It is very rare to see people having troubles with our login system, a guide should still be ready to prevent any mishaps. If you fall into one of those cases where you cannot log into our page, here is a guide for you to fix it on your side.

Step 1 – First, check your Internet connection. This is the primary reason why your login is failing, either due to connection instability or requests timing out. 

Step 2 – Make sure that you are using as well as entering the right login information. Some of our customers have tried using their old passwords and failed. If you can, you can also opt to view your passwords as you type it. However, you should check if anyone is around to see your credentials.

Step 3 – If you have uppercase letters in your passwords, be sure to punch them in at the right place. If all the letters in your passwords are in uppercase, check if you’re using CAPS LOCK.

Step 4 – If the former steps do not help, it is likely that there are cookies in your cache preventing you from logging in. Here is a guide on how to clear your cache on your browser.

Step 5 – Thewebsite might be on the list of restricted sites in your region. You can check it with your Virtual Private Network (VPN) and consider switching your server to another country if you have the option to. If that does not work either, you can switch off VPN completely. 

Step 6 – In case you forget your passwords, here are the instructions to follow to regain it.

Step 7 – If nothing else works, please contact us via our mailbox or our phone number. We will be honored to help you with any problems you run into.

Источник: https://itprospt.com/richland-state-bank-login/

Highest Yielding CD Rates for Aberdeen, SD

What are Certificates of Deposit (CDs)?

CDs, often also called time deposits, are a savings vehicle similar to a savings or money market account, but guaranteeing a fixed rate in return for a consumer’s commitment to keep the money deposited until a specified date (the maturity date). Only in rare circumstances, and with the payment of a penalty, can the money be withdrawn early, and then it is at the bank’s discretion.

What are advantages and disadvantages of certificates of deposit compared to a savings account?

Since the rate is fixed, you avoid the risk of falling savings rates. You take on the risk of rising rates. Rates are above savings rates to compensate you for the risk of rising rates and to provide you with a premium for agreeing to keep your money on deposit until maturity. You should consider the rates above carefully in comparison with the best savings rates that may be available to you. Depending on your view of the direction of rates and the trajectory at which you believe they will rise, you may be more inclined to stick with shorter maturities (1-year) or you may find that that the premium of any CDs over savings rates does not provide adequate compensation.

What are the top current CD rates?

The table above lists best CD rates currently offered for several different maturities (lengths). Rates on longer maturities are ordinarily higher as they provide greater compensation for the risk of rising rates and provide you with a greater premium of depositing your money for a longer time.

Are the funds in certificates of deposit insured?

CDs in FDIC-insured or NCUA-insured institutions are insured so long as you remain within relevant insurance limits, ordinarily to a maximum of $250,000 within an ownership category. If you hold a CD that is accruing interest during the course of CD, you may wish to consider depositing no more than such amount that will, when combined with any other accounts you have at the bank or credit union, exceed $250,000 at maturity.

What is a reasonable Early Withdrawal Fee?

An Early Withdrawal Fee (also called an Early Termination Fee) is the fee charged by a bank for early termination of a CD (termination before maturity). This fee is ordinarily expressed by the bank in terms of months of interest, rather than as a flat fee, and if the CD is cancelled before that period has passed may reduce principal. A reasonable fee for early withdrawal from a CD (early termination of a CD) is said to make the CD more liquid. Rates & Info believes that a reasonable early withdrawal fee for a CD of less than one year is 3 months’ interest and a reasonable early withdrawal fee for a CD of 18 months to 5 years is 6 months’ interest. In a rising interest rate environment or one where you require liquidity, you should avoid CDs with more onerous Early Withdrawal Fees. Under any circumstance, you may wish to also favor No Penalty CDs. You may wish to read this important article in a competing website which indicates that banks may retain the right not to allow early termination even with payment of this fee.

Should I invest in CDs?

Your own risk tolerance level and personal situation determines your allocation to cash versus risk assets. Cash can be apportioned between savings accounts and CDs. However, if you feel interest rates will rise quickly, you should keep all of your cash in high-interest savings accounts.


The graph above shows how the average rates for CD accounts have trended over the last several years.


The graph above shows the difference in rate between average 5-year CD rates and average 1-year CD rates.

Источник: https://www.ratesandinfo.com/cd-sd-aberdeen

Richland State Bank Login

14 best entertainment apps for students

Give your smartphone or tablet a boost and get more out of it. TikTok Short videos that conquered the world. Videos with funny voiceover, dancing cats and dogs, DIY instructions, and recipes for new dishes - subscribe to their creators and make cool videos on your smartphone yourself! To say the truth, this app takes a lot of time. Before installing it be sure that you have extra hours. Getessay writerhelp and relax! Twitch The app doesn't just feature streams (online broadcasts) from gamers. There are music channels and channels with knitting, plant care, or just about everyday life. Pure For those who are bored with Tinder. The main feature of the service is anonymity: you only need mail to register, chats are encrypted and are automatically deleted after 24 hours. Snapchat The application blew up the internet thanks to funny masks and unusual effects. Here you can not only communicate and share bright moments but also play online games, see on the map where your friends are now and how they are doing, see stories shot nearby. GeForce Now A platform that allows you to play heavy computer games on your smartphone - even if they are not adapted for Android. All data is processed in the cloud, and you get a ready-to-play video stream. Thus, you only need a fast and stable Internet to play cool gameplay. TV Time Movie and TV Series Tracker. The app picks up options based on your viewing history and keeps track of new episodes. You can also leave reviews of projects here to richland state bank online login other users make choices. Lazy IPTV An app for watching a wide variety of TV channels on your smartphone. Sports, movies, popular shows - choose what interests you and stop fighting for the TV remote control! To find channels you need playlists: you can find them on the 4PDA forum and other resources. Equalizer Music Player Booster Equalizer will improve the sound quality so you can enjoy listening to music or audio tracks in movies. You can also set a special sound atmosphere so that you can get deeper into your favorite mobile game and notice every movement of the enemy or monster. CoolReader One of the best e-book readers. In it, you will be able to set up a comfortable design and brightness of the screen, and even pages will rustle when you flip through them. Many formats, dictionaries, day and night profiles are supported. Onefootball A good app for soccer fans. In it, you richland state bank online login find match results, news, transfer reports, statistics, videos of the best moments, and a lot of other relevant information. Strava Barely the best app for runners and cyclists. It will help you keep track of your progress - even if you do not exercise professionally, but just like to explore new paths and actively spend time. The app synchronizes with smartwatches and fitness trackers, builds routes on maps and allows you to share them on social networks, and helps you find like-minded people. Google Lens A smart app that allows you to scan your surroundings, recognize objects, copy text, search for products, and much more. It is your "virtual eyes" with artificial intelligence: with Google Lens, you can find everything on the Internet that falls within the "field of view" of your smartphone camera. For example, to determine the breed of a cat or a clothing brand, to translate the text of a pointer into the language you understand, and so on. Waze A simple and convenient navigator with additional functions. For example, it allows you to share information with other users: to report a pothole, road works, police ambush, and so on. The maps in Waze are quite accurate, the sounding is convenient, there are tips on the lanes and smart route rebuilding if there is a traffic jam ahead. Yummly A versatile menu planner: it allows you to create recipes, taking into account the products that are in your fridge, and make shopping lists. The app takes into account your preferences and allergies, helping you to diversify your meals and not to buy unnecessary items.

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Источник: https://www.loginask.com/richland-state-bank-login

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