• 09:30

    TV prodaja

    Ponedjeljak, 19-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Ponedjeljak, 19-04-2021.

  • 10:30

    Produženi vikend, moziačna emisija (R)

    Ponedjeljak, 19-04-2021.

  • 11:30

    Slavonsko veselje, zabavno - glazbena kontakt emisija (R)

    Ponedjeljak, 19-04-2021.

  • 13:30

    Zdrava jabuka, sponzorirani program

    Ponedjeljak, 19-04-2021.

  • 14:30

    U dobroj formi, magazin

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  • 15:00

    Zlato ravnice, poljoprivredna emisija (R)

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  • 15:40

    Akademska četvrt, mozaična emisija (R)

    Ponedjeljak, 19-04-2021.

  • 15:55

    Vijesti, informativna emisija

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  • 16:00

    TV Replika, kontakt emisija

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  • 17:15

    Osijek info, mozaična emisija (R)

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  • 18:00

    Dnevnik, informativna emisija

    Ponedjeljak, 19-04-2021.

  • 18:30

    Sportikos, sportska emisija

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  • 19:30

    City music, glazbena emisija

    Ponedjeljak, 19-04-2021.

  • 20:00

    Budnica, talk show

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  • 21:00

    Impuls razvoja, emisija o gospodarstvu (R)

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  • 21:30

    Vukovarska kronika, mozaična emisija

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  • 22:00

    After, emisija o elektronskoj glazbi

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  • 23:30

    Dnevnik, informativna emisija (R)

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  • 00:00

    Kraj programa

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  • 09:45

    TV prodaja

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  • 10:00

    Dnevnik, informativna emisija (R)

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  • 10:30

    TV Koktel, mozaična emisija (R)

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  • 11:30

    TV prodaja

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  • 11:45

    Slavonsko veselje, zabavno - glazbena kontakt emisija (R)

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  • 14:00

    Sportikos, sportska emisija (R)

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  • 15:00

    Budnica, talk show (R)

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  • 15:55

    Vijesti, informativna emisija

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  • 16:00

    TV Replika, kontakt emisija

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  • 17:00

    Vukovarska kronika, mozaična emisija (R)

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  • 17:30

    Akademska četvrt, mozaični program (R)

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  • 18:00

    Dnevnik, informativna emisija

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  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

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  • 19:00

    City music, glazbena emisija

    Utorak, 20-04-2021.

  • 20:00

    Odaberi zdravlje, sponzorirani program

    Utorak, 20-04-2021.

  • 21:00

    Naš (g)rad, informativna emisija

    Utorak, 20-04-2021.

  • 22:00

    Dnevnik, informativna emisija (R)

    Utorak, 20-04-2021.

  • 22:30

    TV Replika, kontakt emisija (R)

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  • 23:30

    Kraj programa

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  • 09:45

    TV prodaja

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    Dnevnik, informativna emisija (R)

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  • 10:30

    Zdrava jabuka, sponzorirani program

    Srijeda, 21-04-2021.

  • 11:45

    Sportikos, sportska emisija (R)

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  • 12:45

    U dobroj formi, magazin

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  • 13:15

    Kultura 21, magazin

    Srijeda, 21-04-2021.

  • 13:55

    Auto moto nautic vision, emisija o automobilizmu (R)

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  • 14:25

    TV prodaja

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  • 14:40

    Glazbeni program

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    Naš (g)rad, informativna emisija (R)

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  • 15:55

    Vijesti, informativna emisija

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  • 16:00

    TV Replika, kontakt emisija

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  • 16:55

    Odaberi zdravlje, sponzorirani program (R)

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  • 18:00

    Dnevnik, informativna emisija

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  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

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  • 19:00

    City music, glazbena emisija

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  • 20:00

    Karte na stol, talk show

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  • 21:00

    Osijek pita, informativna emisija

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  • 21:30

    Zvjezdani show, zabavno - glazbena emisija (R)

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  • 23:00

    Osijek info, mozaična emisija (R)

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  • 23:30

    Dnevnik, informativna emisija (R)

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    Kraj programa

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    TV prodaja

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    Dnevnik, informativna emisija (R)

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    Glazbeni program

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    Kultura 21, magazin

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  • 12:00

    TV prodaja

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    U dobroj formi, magazin

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  • 13:00

    Naš (g)rad, informativna emisija (R)

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  • 14:00

    LifeStyle TV, magazin

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    Karte na stol, talk show (R)

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    Vijesti, informativna emisija

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  • 16:00

    TV Replika, kontakt emisija

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  • 17:00

    Zlato ravnice, poljoprivredna emisija (R)

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  • 17:40

    Akademska četvrt, mozaična emisija (R)

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  • 18:00

    Dnevnik, informativna emisija

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  • 18:30

    TV Koktel, mozaična emisija

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    City music, glazbena emisija

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  • 20:00

    Budnica, talk show

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  • 21:00

    Osijek info, mozaična emisija (R)

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    To smo mi , putopisna reportaža

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    Dnevnik, informativna emisija (R)

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    TV Replika, informativna emisija (R)

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    Glazbeni program

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    TV prodaja

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    Glazbeni program

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    Kultura 21, magazin (R)

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    Glazbeni program

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    Vijesti, informativna emisija

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    Produženi vikend, mozaična emisija (R)

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    Kratki rezovi, emisija o filmu

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    Dnevnik, informativna emisija

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  • 20:00

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  • 21:00

    Osijek pita, informativna emisija

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    TV prodaja

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  • 10:30

    TV prodaja

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    LifeStyle, magazin

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    TV Koktel, moziačna emisija (R)

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  • 12:45

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  • 13:30

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  • 14:30

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  • 16:30

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  • 17:30

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  • 18:00

    Dnevnik, informativna emisija

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  • 18:30

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  • 19:00

    City music, glazbena emisija

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  • 20:00

    Osijek info, mozaična emisija

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  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

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  • 22:30

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    Dnevnik, informativna emisija (R)

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  • 00:00

    Kraj programa

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  • 10:30

    Dnevnik, informativna emisija (R)

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  • 11:00

    Zdrava jabuka, sponzorirani program

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  • 12:00

    To smo mi, putopisna reportaža (R)

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  • 12:30

    Svirajte mi tamburaši, glazbena emisija

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  • 13:00

    Budnica, talk show (R)

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  • 14:00

    Kratki rezovi, emisija o filmu (R)

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  • 14:30

    Zlato ravnice, poljopriverdna emisija

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  • 15:00

    Zdrava jabuka, sponzorirani program

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  • 16:00

    Zvjezdani show, zabavno- glazbena emisija

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  • 17:40

    Mamre, vjerski program (R)

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  • 18:00

    Dnevnik, informativna emisija

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  • 18:30

    Glazbeni program

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  • 19:00

    TV Koktel, moziačna emisija (R)

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  • 20:00

    Impuls razvoja, emisija o gospodarstvu

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  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

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  • 22:30

    Osijek pita, informativna emisija (R)

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  • 23:00

    Dnevnik, informativna emisija (R)

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  • 23:55

    Kraj programa

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Exactly Exactly Exactly How Predatory Debt Traps Threaten Vulnerable Families

Endnotes and citations can be found in the PDF and Scribd variations.

A few weeks ago, Renee Bergeron—a mother that is single Duluth, Minnesota—was between paychecks and took down a tiny cash advance to simply help cover her rent. As soon as her payday arrived around, Bergeron found—much to her dismay—that she had been struggling to pay her bills that are basic additionally make her loan payment. Because of this, Bergeron took away another cash advance so that you can fund the initial loan. Today, almost 10 years later on, Bergeron and her kiddies inhabit a homeless shelter, and she continues to be saddled with additional than $4,000 in cash advance financial obligation.

Bergeron is merely one away from around 12 million borrowers who remove such loans each 12 months, based on the Pew Charitable Trusts. Furthermore, her experience just isn’t unique—a payday that is small routinely grows into a financial obligation of hundreds and even 1000s of dollars.

Payday advances and a closely associated product, car name loans—both heavily advertised and marketed—offer fast cash or fast approval while downplaying the fact that the https://personalbadcreditloans.net/reviews/greenlight-cash-review/ regards to these loans carry a hefty cost. Not just are these kinds of loans much more high priced than almost every other products—charging that is financial prices 10 times to 20 times greater than a typical credit card—but as opposed to serving as being a lifeline, they are generally a leaky life vest drowning families in debt and sinking them into monetary spoil.

Pay day loans involve offering a loan provider access to one’s bank account fully for quick cash instantly as they are typically paid back upon the next payday.

Car name loans include handing over a car or truck name and set that is spare of in exchange for money predicated on a share associated with car’s value. Both in full situations, borrowers often spend annual rates of interest well above 300 %, and it’s likely that they can need another loan to repay the very first one. Each 12 months, combined, the products just take approximately $8 billion in interest and charges out from the pouches of struggling families and communities and place those vast amounts of bucks to the arms of loan providers.

These expenses are mostly unneeded. Better credit choices may occur for a lot of borrowers, even though they might not be available immediately. Noncredit options—such as looking at friends and family, regional religious congregations, or assistance that is public less high-risk and in addition are not likely to cause exactly the same degree of economic damage. A lot more than 90 million Americans presently are now living in the District of Columbia as well as the 14 states where these predatory items are prohibited under state rate of interest caps. Nevertheless the ubiquitousness of those loan providers in vulnerable communities—in that they are often to whom cash-strapped people turn texas they even outnumber grocery stores—means.

Payday and automobile title financing, which arrived in the scene in a huge method in the 1990s, exists because of a variety of stagnant economic climates and hefty lobbying by the industry. In line with the Federal Reserve, approximately 1 / 2 of all People in america will be struggling to show up with $400 without borrowing or attempting to sell one thing. Furthermore, policymakers have actually neglected to raise the wage that is minimum line with inflation in the last few years. Today’s federal minimum wage of $7.25 per hour falls far short of its inflation-adjusted high in 1968—which was well above $10 in 2016 dollars as a consequence. Insufficient wages in conjunction with gaps in the social back-up ensure it is much more likely that way too many families move to high-cost credit to keep economically afloat.

Regulators have started to simply take action that is aggressive these predatory financial obligation traps. The Consumer Financial Protection Bureau, or CFPB, proposed the first-ever comprehensive federal regulations to address unfair, deceptive, or abusive practices in the payday and auto title lending marketplace in June of this year. The CFPB’s proposed rule should be strengthened to require that lenders determine up front whether borrowers are able to repay a loan—a common sense aspect of responsible lending—and close legal loopholes that maintain the status quo while a strong first step. Meanwhile, states should continue steadily to just take unique strong actions, including capping interest that is annual at 36 per cent or less—inclusive of all of the fees—just while the Pentagon has been doing to safeguard army solution users and their loved ones from predatory lenders. As well as directly handling monetary damage, policymakers should make the mandatory actions to construct comprehensive economies and reconstruct the security web so that you can tackle the source factors that cause instability that lead families to make to those onerous services and products when you look at the beginning.

This brief details the origins associated with the predatory financial obligation trap while the effects why these services and products never have just for the funds of borrowers but additionally from the general wellbeing of these families.

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