• 09:15

    Mamre, vjerski program (R)

    Nedjelja, 11-04-2021.

  • 09:30

    Produženi vikend, mozaična emisija (R)

    Nedjelja, 11-04-2021.

  • 10:30

    Dnevnik, informativna emisija (R)

    Nedjelja, 11-04-2021.

  • 11:00

    Zdrava jabuka, sponzorirani program

    Nedjelja, 11-04-2021.

  • 12:00

    To smo mi, putopisna reportaža (R)

    Nedjelja, 11-04-2021.

  • 12:30

    Svirajte mi tamburaši, glazbena emisija

    Nedjelja, 11-04-2021.

  • 13:00

    Budnica, talk show (R)

    Nedjelja, 11-04-2021.

  • 14:00

    Kratki rezovi, emisija o filmu (R)

    Nedjelja, 11-04-2021.

  • 14:30

    Zlato ravnice, poljopriverdna emisija

    Nedjelja, 11-04-2021.

  • 15:00

    Zdrava jabuka, sponzorirani program

    Nedjelja, 11-04-2021.

  • 16:00

    Zvjezdani show, zabavno- glazbena emisija

    Nedjelja, 11-04-2021.

  • 17:40

    Mamre, vjerski program (R)

    Nedjelja, 11-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Nedjelja, 11-04-2021.

  • 18:30

    Glazbeni program

    Nedjelja, 11-04-2021.

  • 19:00

    TV Koktel, moziačna emisija (R)

    Nedjelja, 11-04-2021.

  • 20:00

    Impuls razvoja, emisija o gospodarstvu

    Nedjelja, 11-04-2021.

  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

    Nedjelja, 11-04-2021.

  • 22:30

    Osijek pita, informativna emisija (R)

    Nedjelja, 11-04-2021.

  • 23:00

    Dnevnik, informativna emisija (R)

    Nedjelja, 11-04-2021.

  • 23:55

    Kraj programa

    Nedjelja, 11-04-2021.

  • 09:30

    TV prodaja

    Ponedjeljak, 12-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Ponedjeljak, 12-04-2021.

  • 10:30

    Produženi vikend, moziačna emisija (R)

    Ponedjeljak, 12-04-2021.

  • 11:30

    Slavonsko veselje, zabavno - glazbena kontakt emisija (R)

    Ponedjeljak, 12-04-2021.

  • 13:30

    Zdrava jabuka, sponzorirani program

    Ponedjeljak, 12-04-2021.

  • 14:30

    U dobroj formi, magazin

    Ponedjeljak, 12-04-2021.

  • 15:00

    Zlato ravnice, poljoprivredna emisija (R)

    Ponedjeljak, 12-04-2021.

  • 15:40

    Akademska četvrt, mozaična emisija (R)

    Ponedjeljak, 12-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Ponedjeljak, 12-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Ponedjeljak, 12-04-2021.

  • 17:15

    Osijek info, mozaična emisija (R)

    Ponedjeljak, 12-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Ponedjeljak, 12-04-2021.

  • 18:30

    Sportikos, sportska emisija

    Ponedjeljak, 12-04-2021.

  • 19:30

    City music, glazbena emisija

    Ponedjeljak, 12-04-2021.

  • 20:00

    Budnica, talk show

    Ponedjeljak, 12-04-2021.

  • 21:00

    Impuls razvoja, emisija o gospodarstvu (R)

    Ponedjeljak, 12-04-2021.

  • 21:30

    Vukovarska kronika, mozaična emisija

    Ponedjeljak, 12-04-2021.

  • 22:00

    After, emisija o elektronskoj glazbi

    Ponedjeljak, 12-04-2021.

  • 23:30

    Dnevnik, informativna emisija (R)

    Ponedjeljak, 12-04-2021.

  • 00:00

    Kraj programa

    Utorak, 13-04-2021.

  • 09:45

    TV prodaja

    Utorak, 13-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Utorak, 13-04-2021.

  • 10:30

    TV Koktel, mozaična emisija (R)

    Utorak, 13-04-2021.

  • 11:30

    TV prodaja

    Utorak, 13-04-2021.

  • 11:45

    Slavonsko veselje, zabavno - glazbena kontakt emisija (R)

    Utorak, 13-04-2021.

  • 14:00

    Sportikos, sportska emisija (R)

    Utorak, 13-04-2021.

  • 15:00

    Budnica, talk show (R)

    Utorak, 13-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Utorak, 13-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Utorak, 13-04-2021.

  • 17:00

    Vukovarska kronika, mozaična emisija (R)

    Utorak, 13-04-2021.

  • 17:30

    Akademska četvrt, mozaični program (R)

    Utorak, 13-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Utorak, 13-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Utorak, 13-04-2021.

  • 19:00

    City music, glazbena emisija

    Utorak, 13-04-2021.

  • 20:00

    Odaberi zdravlje, sponzorirani program

    Utorak, 13-04-2021.

  • 21:00

    Naš (g)rad, informativna emisija

    Utorak, 13-04-2021.

  • 22:00

    Dnevnik, informativna emisija (R)

    Utorak, 13-04-2021.

  • 22:30

    TV Replika, kontakt emisija (R)

    Utorak, 13-04-2021.

  • 23:30

    Kraj programa

    Utorak, 13-04-2021.

  • 09:45

    TV prodaja

    Srijeda, 14-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Srijeda, 14-04-2021.

  • 10:30

    Zdrava jabuka, sponzorirani program

    Srijeda, 14-04-2021.

  • 11:45

    Sportikos, sportska emisija (R)

    Srijeda, 14-04-2021.

  • 12:45

    U dobroj formi, magazin

    Srijeda, 14-04-2021.

  • 13:15

    Kultura 21, magazin

    Srijeda, 14-04-2021.

  • 13:55

    Auto moto nautic vision, emisija o automobilizmu (R)

    Srijeda, 14-04-2021.

  • 14:25

    TV prodaja

    Srijeda, 14-04-2021.

  • 14:40

    Glazbeni program

    Srijeda, 14-04-2021.

  • 14:55

    Naš (g)rad, informativna emisija (R)

    Srijeda, 14-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Srijeda, 14-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Srijeda, 14-04-2021.

  • 16:55

    Odaberi zdravlje, sponzorirani program (R)

    Srijeda, 14-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Srijeda, 14-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Srijeda, 14-04-2021.

  • 19:00

    City music, glazbena emisija

    Srijeda, 14-04-2021.

  • 20:00

    Karte na stol, talk show

    Srijeda, 14-04-2021.

  • 21:00

    Osijek pita, informativna emisija

    Srijeda, 14-04-2021.

  • 21:30

    Zvjezdani show, zabavno - glazbena emisija (R)

    Srijeda, 14-04-2021.

  • 23:00

    Osijek info, mozaična emisija (R)

    Srijeda, 14-04-2021.

  • 23:30

    Dnevnik, informativna emisija (R)

    Srijeda, 14-04-2021.

  • 00:00

    Kraj programa

    Četvrtak, 15-04-2021.

  • 09:45

    TV prodaja

    Četvrtak, 15-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Četvrtak, 15-04-2021.

  • 10:30

    Glazbeni program

    Četvrtak, 15-04-2021.

  • 11:30

    Kultura 21, magazin

    Četvrtak, 15-04-2021.

  • 12:00

    TV prodaja

    Četvrtak, 15-04-2021.

  • 12:20

    U dobroj formi, magazin

    Četvrtak, 15-04-2021.

  • 13:00

    Naš (g)rad, informativna emisija (R)

    Četvrtak, 15-04-2021.

  • 14:00

    LifeStyle TV, magazin

    Četvrtak, 15-04-2021.

  • 14:55

    Karte na stol, talk show (R)

    Četvrtak, 15-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Četvrtak, 15-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Četvrtak, 15-04-2021.

  • 17:00

    Zlato ravnice, poljoprivredna emisija (R)

    Četvrtak, 15-04-2021.

  • 17:40

    Akademska četvrt, mozaična emisija (R)

    Četvrtak, 15-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Četvrtak, 15-04-2021.

  • 18:30

    TV Koktel, mozaična emisija

    Četvrtak, 15-04-2021.

  • 19:30

    City music, glazbena emisija

    Četvrtak, 15-04-2021.

  • 20:00

    Budnica, talk show

    Četvrtak, 15-04-2021.

  • 21:00

    Osijek info, mozaična emisija (R)

    Četvrtak, 15-04-2021.

  • 21:30

    To smo mi , putopisna reportaža

    Četvrtak, 15-04-2021.

  • 22:00

    Dnevnik, informativna emisija (R)

    Četvrtak, 15-04-2021.

  • 22:30

    TV Replika, informativna emisija (R)

    Četvrtak, 15-04-2021.

  • 00:30

    Kraj programa

    Petak, 16-04-2021.

  • 09:30

    Glazbeni program

    Petak, 16-04-2021.

  • 09:45

    TV prodaja

    Petak, 16-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Petak, 16-04-2021.

  • 10:20

    Glazbeni program

    Petak, 16-04-2021.

  • 10:45

    Auto moto nautic vision, emisija o automobilizmu

    Petak, 16-04-2021.

  • 11:30

    U dobroj formi, magazin (R)

    Petak, 16-04-2021.

  • 12:00

    Kultura 21, magazin (R)

    Petak, 16-04-2021.

  • 12:30

    Glazbeni program

    Petak, 16-04-2021.

  • 13:00

    Osijek info, mozaična emisija (R)

    Petak, 16-04-2021.

  • 13:30

    TV Koktel, mozaična emisija (R)

    Petak, 16-04-2021.

  • 14:30

    TV prodaja

    Petak, 16-04-2021.

  • 14:55

    Zdrava jabuka, sponzorirani program (R)

    Petak, 16-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Petak, 16-04-2021.

  • 16:00

    Produženi vikend, mozaična emisija (R)

    Petak, 16-04-2021.

  • 17:00

    Kratki rezovi, emisija o filmu

    Petak, 16-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Petak, 16-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu

    Petak, 16-04-2021.

  • 19:00

    City music, glazbena emisija

    Petak, 16-04-2021.

  • 20:00

    Zdrava jabuka, sponzorirani program

    Petak, 16-04-2021.

  • 21:00

    Osijek pita, informativna emisija

    Petak, 16-04-2021.

  • 21:30

    To smo mi , putopisna reportaža

    Petak, 16-04-2021.

  • 22:00

    Svirajte mi tamburaši, glazbena emisija

    Petak, 16-04-2021.

  • 22:30

    Dnevnik, informativna emisija (R)

    Petak, 16-04-2021.

  • 23:00

    Kratki rezovi, emisija o filmu (R)

    Petak, 16-04-2021.

  • 00:00

    Kraj programa

    Subota, 17-04-2021.

  • 09:45

    TV prodaja

    Subota, 17-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Subota, 17-04-2021.

  • 10:30

    TV prodaja

    Subota, 17-04-2021.

  • 10:45

    LifeStyle, magazin

    Subota, 17-04-2021.

  • 11:45

    TV Koktel, moziačna emisija (R)

    Subota, 17-04-2021.

  • 12:45

    Kako se snimao film, dokumentarna reportaža

    Subota, 17-04-2021.

  • 13:00

    Svirajte mi tamburaši. glazbena emisija (R)

    Subota, 17-04-2021.

  • 13:30

    Zdrava jabuka, sponzorirani program (R)

    Subota, 17-04-2021.

  • 14:30

    Budnica, talk show (R)

    Subota, 17-04-2021.

  • 15:30

    KolibriS, emisija o kulturi

    Subota, 17-04-2021.

  • 16:30

    Odaberi zdravlje, sponzorirani program (R)

    Subota, 17-04-2021.

  • 17:30

    Kako se snimao film, dokumentarna reportaža

    Subota, 17-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Subota, 17-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Subota, 17-04-2021.

  • 19:00

    City music, glazbena emisija

    Subota, 17-04-2021.

  • 20:00

    Osijek info, mozaična emisija

    Subota, 17-04-2021.

  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

    Subota, 17-04-2021.

  • 22:30

    Općina Bizovac, reportaža

    Subota, 17-04-2021.

  • 23:00

    Osijek pita, informativna emisija (R)

    Subota, 17-04-2021.

  • 23:30

    Dnevnik, informativna emisija (R)

    Subota, 17-04-2021.

  • 00:00

    Kraj programa

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  • 09:15

    Mamre, vjerski program (R)

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  • 09:30

    Produženi vikend, mozaična emisija (R)

    Nedjelja, 18-04-2021.

  • 10:30

    Dnevnik, informativna emisija (R)

    Nedjelja, 18-04-2021.

  • 11:00

    Zdrava jabuka, sponzorirani program

    Nedjelja, 18-04-2021.

  • 12:00

    To smo mi, putopisna reportaža (R)

    Nedjelja, 18-04-2021.

  • 12:30

    Svirajte mi tamburaši, glazbena emisija

    Nedjelja, 18-04-2021.

  • 13:00

    Budnica, talk show (R)

    Nedjelja, 18-04-2021.

  • 14:00

    Kratki rezovi, emisija o filmu (R)

    Nedjelja, 18-04-2021.

  • 14:30

    Zlato ravnice, poljopriverdna emisija

    Nedjelja, 18-04-2021.

  • 15:00

    Zdrava jabuka, sponzorirani program

    Nedjelja, 18-04-2021.

  • 16:00

    Zvjezdani show, zabavno- glazbena emisija

    Nedjelja, 18-04-2021.

  • 17:40

    Mamre, vjerski program (R)

    Nedjelja, 18-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Nedjelja, 18-04-2021.

  • 18:30

    Glazbeni program

    Nedjelja, 18-04-2021.

  • 19:00

    TV Koktel, moziačna emisija (R)

    Nedjelja, 18-04-2021.

  • 20:00

    Impuls razvoja, emisija o gospodarstvu

    Nedjelja, 18-04-2021.

  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

    Nedjelja, 18-04-2021.

  • 22:30

    Osijek pita, informativna emisija (R)

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  • 23:00

    Dnevnik, informativna emisija (R)

    Nedjelja, 18-04-2021.

  • 23:55

    Kraj programa

    Nedjelja, 18-04-2021.

Earnin along with other apps like it are designed to assist employees who’ve usage of pay that is steady

Nevertheless, the problems that are classic the model persist.

“Incomes are receiving more volatile, and there are a great number of those who have hourly wages that vary a lot, however their costs don’t vary,” Liz Weston, a columnist for NerdWallet and a professional monetary planner, stated. “They face an expense that is unexpected they don’t gain access to inexpensive credit, plus they move to pay day loans.”

Earnin, previously Activehours, was initially launched in 2014 by Ram Palaniappan, a previous professional at the debit card issuer RushCard. It’s backed by a bevy of high-profile capital raising organizations, including Andreessen Horowitz, also it’s one of the many brand brand new entrants which can be attempting to turn payday into the opportunity for a brand same day payday loans in Arkansas new variety of business.

Earnin as well as other apps like it are designed to assist employees that have usage of pay that is steady either by way of a salaried work or act as an unbiased specialist for on-demand solutions. Users could have difficulty money that is accessing require through conventional means and would like to avoid payday lending solutions, due to their sky-high interest levels and balloon re payments.

Brent Griffis, a 33-year-old administrative assistant at Athens Technical university, utilized the application after he saw an advertising for this on Hulu. He required assistance spending a bill caused by an urgent care see and a prescription. He got an advance for $100 and offered a “tip” of $1. (The business, which will not charge interest or charges, rather wants voluntary “tips” from its users to sustain its business.) All told, it took him around five hours from getting the application to money that is getting the financial institution. Whenever his next paycheck came, $101 was debited immediately. “It might have perhaps perhaps not been simpler,” he said.

Alorah Saldana-Vigil, a 20-year-old retail supervisor, discovered the solution through an Instagram advertisement. She works at a shopping mall in Pueblo, Colorado and began making use of Earnin summer that is last. She was “iffy” at first, she’s been able to get up to $150 every pay period — a bit less than half of her total pay while she said. She described it as “super simple and convenient.”

“[I] like having that choice just in case we require that much money,” she told moderate. “I just put it to use for unanticipated costs or fuel money.”

Earnin just isn’t a solution when it comes to certainly unbanked and underbanked — the cash is deposited in a conventional banking account that’s already receiving someone’s pay. But there could be many people whom fall involving the cracks of unexpected expenses and regular, inadequate paychecks. In the end, just around 40 % of U.S. grownups could protect a $400 crisis cost, based on information through the Federal Reserve. And just some workers may use Earnin: You require a checking account that gets direct deposits, and also you must be in a position to submit a period sheet as a worker that is hourly. You must submit your fixed work location if you work for a salary. “Getting within the practice of using these improvements may suggest you’re perhaps not handling the difficulties which can be making you have these shortfalls to start with.”

To get into what Earnin calls earnings that are“Automagic for salaried workers, you will need to start GPS monitoring in your software, so that it can locate your travel from your home to the office.

You will find unique choices for rideshare along with other economy that is gig, including an integration designed for Uber motorists which was launched in 2016. Since that time, nevertheless, Uber has introduced its very own instant-pay choice that enables motorists to get into their profits five times each and every day. The function ended up being “extremely popular,” Harry Campbell, creator for the Rideshare Guy and composer of The Rideshare Guide, stated An Earnin spokesman stated that the partnership continues to be active, “and we now have lots of Uber motorists whom utilize Earnin to get into their wages,” but he’dn’t share certain numbers.

Exactly exactly exactly What could be well suited for all employees, Weston along with other customer advocates argue, will be employees having either wages sufficient or costs low sufficient they don’t have actually to depend on solutions like Earnin into the beginning. “Getting into the practice of using these improvements may suggest you’re perhaps perhaps not handling the difficulties which can be leading you to have these shortfalls within the beginning,” Weston stated. “We want visitors to have one thing in cost cost savings.”

Loans or improvements, in the end, “merely paper more than problem.”

Other customer advocates have actually expressed concern in regards to the tipping model, stressing that the solution could transition in to a financing item, where also little costs or costs could turn it right into a high-interest-rate loan. As soon as 2014, the nationwide customer Law Center put ahead this exact concern to the latest York instances, pointing down that also payday loan providers often make their very very very first loan complimentary.

While users whom talked to moderate spend a tiny percentage of their advance straight back being a tip, bigger, more persistent recommendations could find yourself being what’s effortlessly a high-interest-rate loan. NerdWallet determines, “A $2 tip on a $20 withdrawal due in 2 days is a percentage that is annual of 260 per cent.” However if people make use of the service more infrequently to get greater amounts advanced for them, the comparable price is reduced.

Impressum

DIREKTORICA I GLAVNA UREDNICA

Ružica Smolčić

031 400 000

urednik@ostv.hr

VODITELJ TEHNIKE

Dario Čakmak

rezija@ostv.hr

VODITELJICA MARKETINGA

Mirjana Mlinarević

031 400 003

marketing@ostv.hr

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Dizajn i izrada: Gauss Development