Actor net worth – Carol Channing http://carolchanning.org/ Fri, 18 Nov 2022 09:45:52 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://carolchanning.org/wp-content/uploads/2021/06/icon-2021-06-29T131401.023-150x150.png Actor net worth – Carol Channing http://carolchanning.org/ 32 32 GamStop Launches University Gaming Support Tour https://carolchanning.org/gamstop-launches-university-gaming-support-tour/ Fri, 18 Nov 2022 09:37:17 +0000 https://carolchanning.org/gamstop-launches-university-gaming-support-tour/ In locations across the UK, ‘The Gambling Support University Tour’ will interact with university students and staff to discuss the problem of gambling-related harm and the training and support services they offer. In addition, participants will receive detailed information on the negative effects of gambling and will have the opportunity to discuss their personal problems […]]]>

In locations across the UK, ‘The Gambling Support University Tour’ will interact with university students and staff to discuss the problem of gambling-related harm and the training and support services they offer.

In addition, participants will receive detailed information on the negative effects of gambling and will have the opportunity to discuss their personal problems and difficulties with qualified professionals.

Young Players and Players Education Trust (YGAM) will promote its Student Hub website, which offers students a variety of information, advice and support on the subject, and will provide free harm prevention training to university employees, managers of student unions and protection officers.

The importance of responsible gambling when considering gambling as a means of entertainment is very important.

Most reputable casinos will have a “play responsibly” section including the online casinos recommended in these reviews of the best online casinos here.

Here are some tips for gambling responsibly:

  • Don’t think of gambling as a way to make money. Think of it only as a means of entertainment.
  • Play with money that you know you can afford to lose.
  • Set money limit and time limit
  • Never chase your losses!

Worcester, Central Lancashire, Northumbria, Bournemouth, Sheffield, Lincoln and Stoke-on-Trent are just some of the universities and colleges that have already taken part in the tour.

The Scottish Gambling Education Network also visited 18 additional establishments in Scotland as part of a related initiative.

After 2,000 college students were surveyed by Censuswide for a study commissioned by GamStop and YGAM earlier this year, it was found that 80% of them had gambled and 41% agreed that gambling had a negative impact on their university experience.

Additionally, 19% of respondents acknowledged using their student loan to fund their gambling, while 35% said they used money from their student loan, overdraft, loans from friends, or payday loans.

Students spent an average of £31.52 a week on gaming, while 18% said they spent over £50 a week.

Additionally, 63% and 38% of respondents said they gambled at least once a month.

Gamstop Managing Director Fiona Palmer said: “The Gambling Support University Tour has been a great success and is an important initiative for all participating organisations.

“Gambling harm on our campuses is a rarely discussed topic, but for all students with gambling problems, self-exclusion is one of the most important tools available, giving them valuable respite while they are looking for further help.”

“The popularity of the tour so far shows us that gambling harm is clearly an issue that universities are more aware of,” added YGAM External Affairs Director Daniel Bliss.

“Universities offer support to their students on a variety of issues ranging from alcohol, drugs and debt. We believe the game should be given the same level of attention and this tour is helping to raise awareness and understanding. »

]]>
Credit card balances, burden, delinquencies and collections in the third quarter: consumers are still in good shape with their cards https://carolchanning.org/credit-card-balances-burden-delinquencies-and-collections-in-the-third-quarter-consumers-are-still-in-good-shape-with-their-cards/ Tue, 15 Nov 2022 21:56:15 +0000 https://carolchanning.org/credit-card-balances-burden-delinquencies-and-collections-in-the-third-quarter-consumers-are-still-in-good-shape-with-their-cards/ Credit cards are primarily a payment method, paid monthly. The importance of borrowings has diminished over the years. By Wolf Richter for WOLF STREET. Credit card balances include balances that accrue interest and balances that are paid in full by the due date such that no interest accrues. Many Americans use credit cards only as […]]]>

Credit cards are primarily a payment method, paid monthly. The importance of borrowings has diminished over the years.

By Wolf Richter for WOLF STREET.

Credit card balances include balances that accrue interest and balances that are paid in full by the due date such that no interest accrues. Many Americans use credit cards only as a method of payment (and to get the 1.5% cash back or whatever), not as a method of borrowing. Thus, credit card balances are much more a measure of spending than borrowing.

Fitch estimated that the total amount paid with credit cards in the United States reached $4.6 trillion in 2021. Only a tiny fraction of the expenses were not fully repaid and added to the debt carrying interest.

In the third quarter, credit card balances rose $38 billion from the previous quarter to $930 billion, according to the New York Fed’s Household Debt and Credit Report. This $930 billion includes transactions initiated roughly in September but fully repaid in October, which do not generate interest.

Credit card spending has been boosted by the resurgence in travel, with credit cards being used as a method of payment for hotels, airline tickets, rental cars, meals, and more. Soaring costs are further increasing the amounts that pass through credit cards. But cardholders fully refunded almost all of the new amounts paid by credit card during the quarter.

Households have a lot of debt, but the problem isn’t credit cards, it’s mortgages.

In a moment, we’ll look at credit card balances as a percentage of total consumer debt and as a percentage of disposable income, and we’ll look at delinquencies and third-party collections, and we’ll see that the burden of revolving credit is not more than a small fraction of what it was in previous years and decades, and delinquencies have started to rise, but are still below pre-pandemic lows, and third-party collections have dropped to new records.

During the pandemic, plummeting reservations for airline tickets, hotels, entertainment and sports venues, restaurant meals, etc., have led to a drop in the use of credit cards as payment , and that’s where the big dip happened; it shows the collapse of expenditure on services. It is now back to normal as service spending recovers.

And yet, outstanding credit card balances in the third quarter increased by only $43 billion, showing the universal use of credit cards as a method of payment, with balances paid in full each month, and in the extent to which credit cards are used as a method of borrowing. And that makes sense because borrowing with a credit card can be ridiculously expensive, with rates as high as 30%, but paying with a credit card can earn you a kickback.

“Other” consumer loans, such as personal loans, payday loans and Buy-Now-Pay-Later (BNPL) loans, increased by $21 billion, reaching $490 billion in the third quarter . Most of them bear interest, but not all of them: for example, BNPL loans can be subsidized by the trader. These loan balances are now back to their 2003 level, despite 19 years of population growth, rising incomes and runaway inflation.

What is amazing, in fact, is how down these balances are after 20 years of population growth, income growth and inflation:

Decrease in the amount of credit card debt.

Consumers have reduced their reliance on credit card debt over the years, although credit cards have largely replaced checks and cash as payment methods. In 2021, $4.6 trillion was spent on credit cards, yet over the same period credit card balances grew by only $40 billion.

In 2003, credit card balances and other loans combined (the red and green lines in the chart above) accounted for more than 16% of total consumer debt, which also includes mortgages, auto loans and student loans. During the pandemic, this figure fell to 8%. In the third quarter, credit card balances and other consumer debt reached 8.6% of total consumer debt, roughly within the range of the pre-pandemic low in 2014.

Debt burden as a percentage of disposable income.

In 2003, credit card balances and “other” consumer debt accounted for 14% of disposable income (income from all sources minus taxes and social contributions). And then over the years it fell steadily as the burden of credit card balances and “other” consumer loan balances fell relative to disposable income. In the first quarter of 2021, it fell to an all-time low of 6% as disposable income ballooned with stimulus funds. In Q3 2022, it rose to 7.6%, roughly within the range of pre-pandemic lows:

Delinquencies increase, remain at or below pre-pandemic lows.

Stimulus funds delivered directly to consumers during the pandemic – stimulus checks, PPP loans, additional unemployment benefits, etc. – as well as the sums that consumers did not have to pay – mortgage forbearance, bans on eviction, etc. dough, and many who had fallen behind on their credit cards have caught up. Others were able to enter their credit card arrears into forbearance programs, and the outstanding balance was marked “current”.

That’s all over, and credit card balances that are becoming unpaid — 30+ days past due — have been growing all year. In the third quarter, they reached 5.2% of total balances, which is in the same range as during the pre-pandemic lows of early 2016.

“Other” consumer loans, such as personal loans, that are becoming delinquent reached 5.8% of total “other” balances and remain well below pre-pandemic lows:

Third-party collections fell to new all-time lows.

The percentage of consumers with third-party collections fell to 5.7%, the lowest on record, and down from 14.6% of all consumers following the unemployment crisis of the Great Recession.

Do you like to read WOLF STREET and want to support it? You can donate. I greatly appreciate it. Click on the mug of beer and iced tea to find out how:

Would you like to be notified by e-mail when WOLF STREET publishes a new article? Register here.

]]>
Is a payday advance from a bank better than a personal loan? https://carolchanning.org/is-a-payday-advance-from-a-bank-better-than-a-personal-loan/ Sat, 12 Nov 2022 12:32:34 +0000 https://carolchanning.org/is-a-payday-advance-from-a-bank-better-than-a-personal-loan/ Image source: Getty Images We’ve all come across an unexpected expense from time to time. Key points 60% of Americans couldn’t cover a $400 emergency expense without going into debt. If you need cash fast and your bank offers payday advances, it might be worth looking into. A personal loan has other advantages, however, such […]]]>

Image source: Getty Images

We’ve all come across an unexpected expense from time to time.


Key points

  • 60% of Americans couldn’t cover a $400 emergency expense without going into debt.
  • If you need cash fast and your bank offers payday advances, it might be worth looking into.
  • A personal loan has other advantages, however, such as a higher borrowing limit and a lower interest rate.

Many of us have been there. You had a car accident, and now you have to pay the mechanic to fix it. This unexpected expense will cost you a few hundred dollars and, like 60% of Americans, you won’t be able to cover it with your savings. Plus, you only have money for the bare necessities left in your checking account, and your next payday is days away. What should you do?

You have a few options in this situation. Read on to learn more about bank payday advances versus personal loans, and how to decide which is right for you.

What is a salary advance?

A payday advance loan from a bank or credit union is called a small amount loan. These are loans generally between $100 and $1,000 granted by a bank to account holders. The intention is to give consumers an alternative to predatory payday loans (see below) when they are in a financial bind. If your bank offers them, you’ll get the money you need quickly and pay it back from your next paycheck via direct deposit, or over a period of weeks or months. You will have to pay a fee (either a fixed dollar amount or a small percentage of what you borrow) and interest for the service.

Discover: These personal loans are the best for debt consolidation

More: Prequalify for a personal loan without affecting your credit score

You may soon hear more about payday advances; a Bloomberg Law report in early October 2022 noted that federal regulators want banks to be able to offer them, but banks need more guidance from regulatory agencies moving forward. Personal loans, on the other hand, are already reliably available for your emergency borrowing needs.

What is a personal loan?

A personal loan is a fairly easy way to borrow a lump sum of money. They usually come with lower interest rates than many other quick cash solutions, like credit cards or payday loans (and certainly lower than payday loans). However, if your credit isn’t in top shape, you may not qualify for the best personal loan rates available.

Personal loans are generally in the amount of $1,000 to $100,000, and can often be funded fairly quickly after your application is approved. In some cases, you can get the money the same day or the next day. Is there another way to borrow money fast? Yes, but you probably want to stay away.

Try to avoid payday loans

Although it may seem counterintuitive (after all, there’s “payday” in the name), it’s a good idea to avoid payday loans. And depending on where you live, they may be illegal in your area; they have been banned in 13 states and the District of Columbia. Payday loans are small, short-term loans of $500 or less, usually with a very high interest rate.

As of 2022, typical payday loan rates range from 28% to 1,950%. These loans often lead consumers into a cycle of debt from which they cannot easily escape. Can’t repay your loan on your next payday? That’s fine, the lender will turn it into a new payday loan for you! How nice of them. Your best choice is probably a payday loan or a personal loan.

How do you choose?

There are a few things to consider when choosing between a payday advance and a personal loan.

How much money do you need?

A payday advance loan, if you can get one from your bank or credit union, is probably best for borrowing smaller amounts. If your auto repair bill is $350, but the smallest personal loan amount you can take out is $1,000, that’s not ideal. If your surprise expense is larger, you’ll likely get a better interest rate with a personal loan (plus, payday loans from your bank may be capped at $500).

How fast do you need it?

If you can wait a few days and have good credit, you may be better off with a personal loan – again, because of interest rates. That said, if your bank offers payday advance loans, they might approve you fairly quickly if you’re an existing customer in good standing. It has already registered you and can access your finances in the form of your bank account(s). Plus, your bank can easily send the money you borrow directly to your account.

How long do you need to pay it back?

This is where a personal loan probably has the advantage. You will have more time to repay a personal loan (months to years) than a payday loan (weeks to months). But again, a lot depends on the amount of money you need to borrow.

Payday advance loans and personal loans have their place, and if you ever get into trouble and need to borrow a relatively small amount of money, both are worth considering. However, it is definitely in your best interest to avoid payday loans.

The Ascent’s Best Personal Loans for 2022

Our team of independent experts have pored over the fine print to find the select personal loans that offer competitive rates and low fees. Start by reviewing The Ascent’s best personal loans for 2022.

]]>
Payday Loan Services Market by Product, Application, Geography and Key Players: Wonga, TitleMax, DFC Global Corp https://carolchanning.org/payday-loan-services-market-by-product-application-geography-and-key-players-wonga-titlemax-dfc-global-corp/ Sat, 05 Nov 2022 09:58:24 +0000 https://carolchanning.org/payday-loan-services-market-by-product-application-geography-and-key-players-wonga-titlemax-dfc-global-corp/ A2Z Market Research presents new research on Payday Loan Service covering Micro Level of Analysis by Competitors and Key Business Segments (2022-2029). The global Payday Loan Services report explores in-depth study on various segments such as opportunity, size, development, innovation, sales and overall growth of key players. The research is carried out on primary and […]]]>

A2Z Market Research presents new research on Payday Loan Service covering Micro Level of Analysis by Competitors and Key Business Segments (2022-2029). The global Payday Loan Services report explores in-depth study on various segments such as opportunity, size, development, innovation, sales and overall growth of key players. The research is carried out on primary and secondary statistical sources and consists of qualitative and quantitative details.

Get a sample report with the latest industry trend analysis: https://a2zmarketresearch.com/sample-request

Leading companies in this report include: Wonga, TitleMax, DFC Global Corp, Cash America International, Speedy Cash, Pay Day Advance, Check `n Go, MEM Consumer Finance, Instant Cash Loans, LoanMart, Allied Cash Advance, Finova Financial, Same Day Payday, MoneyMutual, TMG Loan Processing , LendUp loans, Just military loans.

Since analytics has become an integral part of every business activity and role, the central role in today’s business decision-making process is mentioned in this report. Over the next few years, the demand for the market is expected to increase significantly globally, enabling healthy growth of the Payday Loan Services market is also detailed in the report. This report highlights that the manufacturing cost structure includes material cost, labor cost, depreciation cost, and manufacturing procedure cost. Pricing analysis and analysis of equipment vendors are also done by the analysts of the report.

This research report represents a 360-degree overview of the competitive landscape of the Payday Loan Services market. Moreover, it offers massive data related to recent trends, technological advancements, tools, and methodologies. The research report analyzes the Payday Loan Services Market in a detailed and concise manner for better understanding of the businesses.

The report, with the help of detailed business profiles, hands-on project analysis, SWOT examination and some different information about the major organizations working in the Payday Loan Services market, presents a scientific point record per point of market competitiveness. script. The report also presents a review of the effect of recent market developments on the future development prospects of the market.

Global Payday Loan Services Market Segmentation:

Market Segmentation: By Type

Financial support from the platform
Off-platform financial support

Market Segmentation: By Application

Personal
Retirees

Geographical analysis:

The global payday loan services market is spread across North America, Europe, Asia-Pacific, Middle East & Africa, and Rest of the World.

Get an exclusive discount on this Premium report: https://a2zmarketresearch.com/discount

COVID-19 Impact Analysis

The COVID-19 pandemic has emerged in lockdown across regions, line limitations and the breakdown of transport organizations. Additionally, the financial vulnerability of the payday loan services market is much higher than past outbreaks like Extreme Severe Respiratory Disease (SARS), Bird Flu, Swine Flu, Avian Influenza, and Ebola, inferred from the growing number of infected individuals and vulnerability as to the end of the crisis. With the rapid increase in cases, the global payday loan service refresh market is influenced from several points of view.

Labor accessibility is obviously disrupting the inventory network of the global payday loan services market as the lockdown and spread of infection pushes individuals to stay indoors. The presentation of the makers and the transport of the products are associated. If the assembly movement is stopped, the transport and the store network also stop. Stacking and dumping of elements, i.e. raw materials and results (fasteners), which require a ton of labor, are also being hit hard by the pandemic. From the entrance of the assembly plant to the warehouse or distribution center to the end customers, that is, the application companies, the entire inventory network of the loan service on salary is seriously compromised because of the episode.

The research provides answers to the following key questions:

  • What is the projected market size of the Payday Loan Services market by 2029?
  • What will be the normal share of the whole industry for the coming years?
  • What is the prominent development boosting components and restraints of the Global Payday Loan Services Market across different geographies?
  • Who are the top sellers expected to lead the market for the assessment period 2022 to 2029?
  • What are the moving and occurring advancements expected to influence the advancement of the global Payday Loans Service Market?
  • What are the development techniques received by the important sellers of the market to stay on the lookout?

Buy an exclusive report: https://www.a2zmarketresearch.com/checkout

Contact us:

Roger Smith

1887 WHITNEY MESA DR HENDERSON, NV 89014

sales@a2zmarketresearch.com

+1 775 237 4157

]]>
Lefsetz Letter » Blog Archive » Takeoff https://carolchanning.org/lefsetz-letter-blog-archive-takeoff/ Wed, 02 Nov 2022 20:56:18 +0000 https://carolchanning.org/lefsetz-letter-blog-archive-takeoff/ If this guy was white… Most people have no idea what’s going on behind the discs. Despite the bluster, the silver flash, the real life of these rappers is not depicted. They are in danger. In an underground economy. It’s the rock and roll of old. A cash business, but much more dangerous. Not that […]]]>

If this guy was white…

Most people have no idea what’s going on behind the discs. Despite the bluster, the silver flash, the real life of these rappers is not depicted.

They are in danger.

In an underground economy.

It’s the rock and roll of old. A cash business, but much more dangerous.

Not that I knew that much until I read Joe Coscarelli’s book, “Rap Capital: An Atlanta Story”: https://amzn.to/3Ns7PMl and spoke to him for the podcast: https ://bit.ly/3haAadK

First, we have a huge incarceration problem in America, which disproportionately targets black men. It’s amazing how many of these eventually famous rappers go in and out of prison. And if you think racism is outdated, you need to be on the Supreme Court. There are places in Georgia where rappers are on their toes due to notorious white police crackdowns on petty crimes.

As for the pay…

Everything looks simple from the outside. There are record company royalties and concerts. But it’s much more complicated than that. There’s tons of cash gigs the IRS not only misses rich CEOs but also rappers, who themselves are sometimes incredibly rich because of this economy, where you show up at a club to rap for follow and… you can do several concerts per night. That’s another amazing thing about Coscarelli’s book, how rich some of these rappers are.

Not that a career is guaranteed. It’s one thing to have a hit, it’s another to maintain it.

And it’s not just the underground economy that’s involved, but also the Fortune 500. They know that rappers have the most credibility, not to mention popularity, with the target audience, so they go into business with them. . It used to be that you had to have a certain number of visits before companies called you, but now they’re involved from the start.

And so many acts are disposable. And find themselves where they come from. Never mind the fact that many do not.

And while rockers and old swaggers are still trying to figure out the internet, it was embraced by the hip-hop community right from the start. Rappers knew that you had to give to receive, like a drug dealer. They knew it was about getting the big money, not the little one. Ergonomic Mixtapes. These recordings endeared them to an audience that bonded with them. There was a lot of money on the road, if you had fans.

And cultural.

And, culture involves a lot of posturing and violence.

And white people and the mainstream media might report it, but they don’t denounce it.

It’s taken for granted that rappers get shot. Why?

Well, we could go to the source and ask why black people don’t have more opportunities. Coscarelli writes about college graduates who end up doing manual labor. But affirmative action is taboo, because someone might gain an advantage that has been incorporated into a majority group. I mean you have to attack the problem at some point.

And let’s be clear, it’s not what you learn at Harvard or Yale, it’s the people you meet, who are part of your network. JD Vance was a hick until he went to Yale Law School, built relationships, worked with Peter Thiel, and ended up writing a twisted book he used as a platform to run for Senate from Ohio. Where is the concomitant advantage for blacks?

Believe me, the upper middle class knows all the tricks. But even the middle class has no idea, that the best educational institutions are blind to need, and if you can get in and you’re broke, you don’t have to pay a dime.

America’s information deficit, right there.

So think of all the people who profit from rapping. White-run labels, TV and streaming companies, the aforementioned Fortune 500, but none of them lift a finger to counter the violence in the culture, they don’t even bother to speak out against it.

This is racism incarnate.

As for George Floyd… All the companies that have supported black people… that was then and this is now, the end result is far from major, it’s the same as ever.

So if a white rapper had been shot, there would have been front-page stories about his family, their devastation. And there would be investigative articles in the media asking how this could happen. How this honest citizen of good family got suffocated. Yeah, they were coating the background of the deceased, were they reading an obituary where they said the person was an arrogant punk?

And all the government leaders would come together and talk about action.

Meanwhile, where are the stories about Takeoff’s family? Where is the deep dive into his past life?

AND WHERE IS THE OUTRAGE!

We can start with gun control… But it seems to go the other way. I would think twice before moving to Texas, where anyone can carry a gun without a license. Rave me about the supposed economic benefits all day long, they don’t mean much when you’re dead.

The truth is that white people and the mainstream community don’t care if another black person dies. Just one less mouth to feed. Yeah, that’s how they see it, that black people are taking it, always wanting more, the government has to stop supporting them.

While they’re at it, why don’t they take out all that money the government disproportionately gives to red states, huh?

And an advanced society watches over those at the bottom of the economic ladder. In most western countries. But welfare was stifled under the Clinton administration and the idea that black women just have babies and are supported by the government is wrong. You think someone should take your money, that you should pay less tax, but when there’s a natural disaster, you want federal help right away.

Yes, there must be a scapegoat. And blacks are number one.

Even if their schools are not up to standard. The right says that you have to choose the school, close the bad schools, only there is not enough room in the good schools for all the disadvantaged! And in truth, it is only a ruse to advance the cause of religious schools, which are not free, and if you are not a believer…

And don’t equate every rapper with Kanye. They’re not that rich and they’re not that crazy. They are just trying to survive.

So we have to take the guns off the streets. Enough of throwing our hands in the air. When your kid gets shot, you go crazy, and someone else’s kid?

And how about a denigration of violence. Why are gangs and violence portrayed as cool? A lot of kids join gangs not because they’re cool, but just to survive. And since the police are ineffective, the gangs and others take the law into their own hands. And since opportunities are scarce, kids sell drugs, for that quick cash, I mean how long are they going to live anyway?

That’s what amazed me in “Hoop Dreams”. They threw a big birthday party for the player because living to be eighteen is such a feat. Do we feel the same as white people? That just staying alive is something to celebrate?

And often they find the perpetrators and lock them up, but that’s not really a deterrent, because they don’t think they have much of a future to begin with. And honor and image are everything, as if we were living in the feudal past.

All those talent agencies and apparel companies can drop Kanye like he’s hot, but how about dropping those involved in violence. Believe me, if you take away the few opportunities, it will change the culture.

As for clubs and strippers and making it rain…

Everyone can choose how they want to live their life, but we flood these great athletes with money that they have no education on how to spend, and then they blow it up and end up broke and eventually dead. with CTE. But gamers are disposable, just like rappers. Hell, most NFL players don’t even have guaranteed contracts! Get hurt and you’re out. We don’t care about you. Life is hard. Meanwhile, the bad actor billionaire owner continues to rape and plunder not only in business, but also in his personal life.

It’s a way to demonstrate your status, by earning money and spending it.

Now, in truth, on TikTok there are all these videos that talk about money, about the economics of buying a new car, about investing. Maybe newcomers will see them, but we don’t even teach economic skills in school, because if we did, salespeople couldn’t laugh at these customers. Dollar stores, payday loans… They’re obnoxious, but if you’re broke, sometimes you don’t have a choice.

Somehow, America has flipped, and it’s white people who are at a disadvantage. What’s a poor boy to do? Don’t play in a rock and roll band, BUT BECOME A RAPPER! It is one of the few potentially well-paying jobs for an underprivileged youth, other than drug dealing.

But we demonize these people, because we take advantage of their backs.

Come on, black people are way above their weight when it comes to culture. And, unfortunately, this culture of gun violence impacts not only them, but also white people, BECAUSE IT’S SEEN TO BE COOL!

Let me tell you, when you’re dead, nothing is cool. Finito. It’s finish. The challenge is to stay alive. Shit, the government should give a million dollars to every rapper who hits 40. Better yet, a guaranteed income for all, including blacks.

But no one wants to PAY FOR IT! I don’t understand, you want to live in Venezuela? I’ve been there, the wealthy people live in the hills in houses surrounded by concrete walls topped with barbed wire.

You think you are immune, but you are not. We live in a big society. And you are part of it, and you are vulnerable. If you don’t take care of your siblings, raise them, it will impact you negatively.

But then you have all those executives who say they’ve made their billions and don’t recognize that without customers they’d have NOTHING!

Consumers are kings. But that’s not how our society sees it. We worship the rich and criticize the poor, ignoring what goes on in their brains.

And when it comes to hip-hop, it’s all about creativity. You don’t get to the top by accident. So why can’t we recognize it, except in award shows that nobody watches anyway?

Certainly, everything fades almost instantly these days. But in the aftermath of Takeoff’s death, I haven’t seen any official elected commentary on it. I didn’t see any outcry. At best, there was a shrug.

And that’s not right.

Something has to give. And if you don’t fix the underlying problem, it will affect you.

Come on, is anyone outraged that this guy was shot?

I suppose not.

]]>
Video: Rep. Elaine Luria Holds Press Conference on Jen Kiggans Vote Against Military and Military Families https://carolchanning.org/video-rep-elaine-luria-holds-press-conference-on-jen-kiggans-vote-against-military-and-military-families/ Fri, 28 Oct 2022 16:44:54 +0000 https://carolchanning.org/video-rep-elaine-luria-holds-press-conference-on-jen-kiggans-vote-against-military-and-military-families/ ICYMI: Congresswoman Luria Holds Press Conference on Jen Kiggans Vote Against Military and Military Families VIRGINIA BEACH, Virginia – Today, Elaine Luria (VA-02), former small business owner and 20-year Navy veteran congresswoman, held a press conference with local leaders and veterans after he It was revealed that Jen Kiggans took money from the predatory payday […]]]>

ICYMI: Congresswoman Luria Holds Press Conference on Jen Kiggans Vote Against Military and Military Families

VIRGINIA BEACH, Virginia – Today, Elaine Luria (VA-02), former small business owner and 20-year Navy veteran congresswoman, held a press conference with local leaders and veterans after he It was revealed that Jen Kiggans took money from the predatory payday loan industry and then voted against a bipartisan bill that would crack down on exploitative industry practices that harm active duty personnel and employees. military families.

The press conference took place outside the Republican National Committee for Veterans Affairs Community Center in Virginia Beach, which was closed at the time. Click here for the press conference livestream. Additional videos and photos are available here.

“Jen Kiggans took tens of thousands of dollars from a Republican PAC with substantial financial backing from the payday loan industry before voting against a bipartisan bill that would crack down on payday lenders who exploit our active duty personnel. , our veterans and our military families,” said MP Luria. “Whether it’s supporting a nationwide ban on abortion, refusing to say Joe Biden won a free and fair election, or taking money from a shady political organization and then voting against protecting of our military families, Jen Kiggans has proven time and time again that she cannot be trusted. She will say and do anything to get elected, including voting against the men and women who risk their lives for serve our country.

Kiggans voted against Senate Bill 421, the bipartisan Virginia Fairness in Lending Act, which caps operating interest on payday loans and expands access to credit.

After being asked by WAVY 10 about her vote, Kiggans abruptly left the interview with the station’s microphone still attached. Campaign finance reports show Kiggans received $20,000 in contributions from a Republican PAC funded by the payday loan industry before she voted against the legislation as a state senator.

“There is nothing I value more as a legislator than fighting for our veterans,” said Virginia House Democratic Leader Don Scott. “Jen Kiggans needs to explain why she took $20,000 from our military and their families and then ran when asked about it.”

]]>
Paine Schwartz seeks 15% stake https://carolchanning.org/paine-schwartz-seeks-15-stake/ Tue, 25 Oct 2022 06:00:00 +0000 https://carolchanning.org/paine-schwartz-seeks-15-stake/ The buyer is believed to be Paine Schwartz Partners, which is based in New York and has investments in food and agribusiness companies globally. The offeror reportedly has “no current intention” to make a takeover bid for the company. It requires FIRB approval before breaking the physical mark of 9.99%. “At this stage, the stake […]]]>

The buyer is believed to be Paine Schwartz Partners, which is based in New York and has investments in food and agribusiness companies globally.

The offeror reportedly has “no current intention” to make a takeover bid for the company. It requires FIRB approval before breaking the physical mark of 9.99%.

“At this stage, the stake is considered a long-term investment and the acquirer does not intend to make an offer to acquire control of CGC,” the term sheet said.

“The acquirer may potentially be interested in seeking a seat on the board if the FIRB condition is met.”

Paine’s Kevin Schwartz, who was president of Paine & Partners LLC and co-founder of the company in 2006, previously served on the board of Costa Group.

The buying appears opportunistic, coming just a week after the Costa Group’s earnings forecast was revised down. The downgrade saw its shares fall 15% to around $2.

Paine was seeking to acquire a 9.99% working interest, or 46.4 million shares, and enter into a forward contract with Citi for an additional 13.4 million shares, or 2.9% of the company.

He already had a 2.4% economic interest and a pre-commitment for a 4.95% stake from an existing Costa Group shareholder, according to the term sheet.

The Citi office was looking for salespeople at 7 p.m. Tuesday.

He comes in the middle of a wave of M&A in the food and agribusiness sectors in Australia. Canadian Cooke Inc reached a $1.1 billion deal to acquire salmon producer Tassal Group, while Brazil’s Minerva Goods signed a $400 million acquisition of lamb producer Australian Lamb Co at the end of last week and JBS last year took over pork producer Rivalea and salmon company Huon.

Now it’s Costa’s turn to attract attention. The group was previously partly owned by US private equity firm Paine & Partners, prior to its listing on the ASX in 2015.

more soon

]]>
Top 5 Best Payday Loans No Credit Check https://carolchanning.org/top-5-best-payday-loans-no-credit-check/ Tue, 18 Oct 2022 17:27:51 +0000 https://carolchanning.org/top-5-best-payday-loans-no-credit-check/ Payday loans without a credit check Get 100% cash advance online even with bad credit. The best service for fast loans! Types of Instant Payday Loans These no credit check payday loans are basically low interest loans – interest rates can vary between 18% and 39% per annum. The lender is the lender and you […]]]>

Payday loans without a credit check

Get 100% cash advance online even with bad credit. The best service for fast loans!

Types of Instant Payday Loans

These no credit check payday loans are basically low interest loans – interest rates can vary between 18% and 39% per annum. The lender is the lender and you are the borrower. Payday lending is a legal practice in which borrowers, usually those in lower income brackets or those with outstanding debt, are charged a monthly interest rate on a loan, usually between 29% and 50%. When the loan is repaid, the borrower’s debt is forgiven, but the lender can profit from the interest paid on the funds.

Online payday loans

A few popular online payday lenders offer instant checks or instant checks that will be mailed to you. You can set up a payment schedule to pay off what you owe on the Instant Check. The convenience of a payment method to get your funds quickly and easily is what makes online payday loans so effective. The check is mailed to you within hours and can usually be used immediately, no account is required. However, you will pay more interest for this option compared to online payday loans.

It is a very convenient way for people who are just starting out to get loans online. First, you provide your credit card number and other information that the payday lender should already have on file. When you apply for a loan online, you can immediately call the borrower and make a payment. Payments can be made in one check filled in cash or prepaid. Adding to the convenience of this payday loan method, you can receive your funds as quickly as 12 business hours after making a loan repayment!

There are several ways to apply for a payday loan without a credit check without having to go and apply for a loan at a bank, credit union, savings and credit association, or savings association branch. credit. The most convenient option is to apply online without having to go to a bank when you have a credit card, debit card, checking account, or even if you already have your own savings account.

You apply for a payday loan when you have your bank details, then transfer money to your bank account. Online payday loans are also available from online lenders, and you can pay for them with mobile wallets or even by transferring money from your bank or checking account. Most banks offer online payday lenders to help people in need of loans.

Online credit card information for payday loans

Most banks have a specific line of credit that customers can borrow against. These can be used to avoid going into debt to pay your credit card bill. Check your credit card statement to determine if a cash advance can be applied to an online payday loan that can help fund a small emergency or withdraw money from your bank account for an upcoming payday.

When you need cash fast, payday loans without a credit check are fast and secure. You also need to go about your business and pay your bills on time, otherwise you may run out of the money you need. There are cash advance credit cards available to you today. Thanks to this card, it will be extremely easy for you to obtain your payday loans online. You can also access instant approval. There is a registration for this cash advance card to give you instant approval. You will need to select a card type during registration and enter the account number of the loan you wish to apply for.

There are many types of credit card cash advances. These are available online, at various branches of some banks and credit unions, and from other sources to ensure you have options to suit your personal needs. When Because you get your money immediately, you have to take care of getting the money back.

Some of these credit card payment types include convenience checks, checks for specific amounts, and cash advance requests. As long as everything is set up correctly, a cash advance can be due the same day the original card payment was made. In this case, a new payment will be mailed to the borrower. Online payday loans with no credit check are a popular alternative to cash advances. You will only need a personal check or bank deposit to access this online lending site and use it to get fast cash.

To get started, complete the personal loan application form, then add the requested information. This form will be returned to you and you will be asked to fill in all relevant information. A short interview will then be conducted. At that time, you will be presented with an official payday loan application.

When it’s time to pay off your loan or take out the next payday loan, all you have to do is enter a few payment options depending on your available funds, and the transaction will be confirmed instantly. Using an online payday loan is free. All you need to do is send us an application form, choose a rate, then sit back while we process your application with your bank or credit union. Then, in three simple steps, you will receive your funds.

Cash advance

Cash advance lenders, which are commonly referred to as payday lenders or no credit check payday loan providers, make it easy to use cash advances to pay for everything from car repairs to student loans to groceries or rent. They don’t charge a minimum payout amount, so they don’t require you to have the money to withdraw it. Cash advances come with a range of terms and credit requirements, such as a maximum loan term of 30 days. The term is the time it takes for the cashout to take effect, but it can easily last for weeks or months.

It’s one of the easiest ways to make money, but it comes with high interest rates and often no grace period before your withdrawal goes to your bank account. However, you can still get the funds, as the transaction can be done through your card company.

They don’t offer the same long-term repayment options as a payday loan. With this lender, payday loans can be a decent option in the very short term. With a payday loan, small amounts of money are borrowed over a short period of time.

The amount you borrow will depend on your credit score and income. There are two main types of payday loans which are payday loans and short term loans. They are both short-term loans, meaning they must be repaid by a certain date. There are also other types of payday loans with lower interest rates. The main difference between them is that most payday loans are interest-free, while short-term loans can vary depending on the type you receive.

There are many ways to borrow from online payday lenders. You can try your luck with your current lenders, find a reputable online lender, or even start your own. For example, check out the best payday loans online. Payday lenders will tell you that you must keep all your receipts for all payments you make to get approved in most cases.

]]>
What is a personal finance app? https://carolchanning.org/what-is-a-personal-finance-app/ Sun, 16 Oct 2022 02:06:03 +0000 https://carolchanning.org/what-is-a-personal-finance-app/ Managing your finances is a tedious task that only a few people do. It takes a lot of time and effort to maintain, on your own, with all the things you need to pay attention to. Balancing a checkbook, tracking expenses, and keeping track of your bank balance, on your own, can be a daunting […]]]>

Managing your finances is a tedious task that only a few people do.

It takes a lot of time and effort to maintain, on your own, with all the things you need to pay attention to. Balancing a checkbook, tracking expenses, and keeping track of your bank balance, on your own, can be a daunting task. Fortunately, there are personal finance apps that can help you manage your finances and do all the work for you!

Nick Wilson, CEO of AdvanceSOS and experienced loan officer, shares his thoughts on personal finance apps and how they can help you. A few words about the AdvanceSOS loan service. Its quick and easy app helps people in an emergency to reach the huge network of approved lenders to get same day deposit payday loans at AdvanceSOS without credit check in Texas, California, Ohio and Florida .

Nick Wilson also shares some of the best personal finance apps that you can use depending on your needs. These apps were chosen based on their features, functionality, and purpose.

What is a personal finance app?

A personal finance app is an app that you can download to your smartphone or tablet. It offers convenient real-time tracking of your expenses, savings, and investments. It can track your credit payments and notify you of recent changes in your credit score. You can also connect it to your bank so you know where your money is being spent.

Personal finance apps provide convenience and an easy way to track your finances. Personal finance apps have different features, but generally they have a shared wallet, bill reminders, automatic bill payment, and subscription management.

How much does a personal finance app cost?

Personal finance apps usually have a free version and a paid version. A free version would have fewer features compared to the paid version and might also contain advertisements. The paid version differs in price but is relatively inexpensive, costing only $25 per year or less. Other apps only have a free version!

So if you need help managing your finances, but don’t want to spend a lot of money, personal finance apps can help you without breaking your budget.

What types of personal finance apps are offered?

For debt repayment

You need a budget, also known as YNAP, is one of the best personal finance apps for debt repayment. The app works according to YNAB’s four rules: give every dollar a job, accept true spending, roll with the punches, and age your money. The app is committed to helping you budget better and control your spending. It allows you to import transactions from checking accounts and apply them to each budget category. This will help you get an accurate picture of your spending and maintain a balanced budget by adjusting budget categories if you over or under budget.

Each month, you’ll receive a detailed report of your spending and help you identify areas where you can improve your spending. According to YNAB, an average new user saves $600 in the first two months and moves $6,000 in one year. The app offers a free version for the first 34 days of use.

For wealth management

Personal capital allows you to manage your assets and investments in addition to your expense accounts. Along with tracking your expenses, the app also tracks and improves your investments. The app allows you to track your investment by account, asset class and individual security. The mobile and tablet version of the app has an intelligence system that uncovers opportunities for diversification, risk management and uncovers hidden fees.

Personal capital also allows you to compare your portfolio to major market benchmarks to determine if you are meeting your investment goals. It also provides financial advisors who can help you achieve your goals.

For bill payment

Prism works with over 11,000 billers, including banks and small utility companies, making it the best personal finance app for managing your bills. It also allows you to list all your invoices and financial accounts in one place.

Add your invoices to the app and Prism will automatically track them for you and send you due dates and reminders to help you avoid late payments. You can also use the app itself to pay your bills. You can schedule same-day payments or schedule them in advance for your convenience.

For shared expenses

Spent is a personal finance app that you can also use for shared payments and expenses. It allows you to create a shared wallet with your friends or family to manage a shared expense or budget.

Just import your bank transactions into the app, and Spendee will categorize them for you, or you can also add cash expenses manually to be more specific. Creating a budgeted amount for expenses in each category will prevent you from going over budget. The app will also track your progress towards your budgeted amount. The app also has a bill tracker that sends reminders to pay your bills to avoid penalties and additional charges. If you are going on a trip or to an event, you can create a category for that event and Spendee will track your expenses to stay within your budget.

For budgeting

Every personal finance app can be used for budgeting, but the best is the Every dollar application. The app uses a zero-based budgeting method recommended by personal finance expert Dave Ramsey. Zero-based budgeting gives every dollar a purpose, hence its name.

The app has a built-in monthly expense tracker that you’ll connect to your bank to import transactions and track your expenses. The tracker shows what you’ve spent so far and how much you have left to spend. The app gives you access to financial management experts to help you with your financial planning. Accessing your budget can be done using your mobile app or desktop. All users get a free trial of the premium version of the app which you can upgrade at any time through the app menu.

About the Author

Amanda Girard is a lead writer for AdvanceSOS. His expertise and input are valuable assets to our website and other channels. She has been a tremendous help since our founding in 2019, producing pieces that are not only engaging but also informative and entertaining. She remains an influential figure in the company and among its customers.

Nick Wilson, CEO of AdvanceSOS and experienced loan officer, shares his thoughts on personal finance apps and how they can help you. It also shares some of the best personal finance apps that you can use depending on your needs. These apps were chosen based on their features, functionality, and purpose.

Related Articles


VIDEO


“We re-imagine, recreate and redeem cultural omissions and misrepresentations of blackness, for culture….” This post is made in Partnership with British pathe.

]]>
Canada Post officially launches national loan program with TD Bank Group https://carolchanning.org/canada-post-officially-launches-national-loan-program-with-td-bank-group/ Thu, 13 Oct 2022 04:18:18 +0000 https://carolchanning.org/canada-post-officially-launches-national-loan-program-with-td-bank-group/ Canada Post is now offering loans in addition to stamps, packaging and its existing financial services as it officially launches a partnership with TD Bank Group. The Crown corporation said Wednesday that the loan program, which could be expanded to other services, will provide more financial options to Canadians across the country, including in rural, […]]]>

Canada Post is now offering loans in addition to stamps, packaging and its existing financial services as it officially launches a partnership with TD Bank Group.

The Crown corporation said Wednesday that the loan program, which could be expanded to other services, will provide more financial options to Canadians across the country, including in rural, remote and Indigenous communities.

“We believe this is the best way to provide Canadians with greater access to financial services, especially underserved Canadians,” said Michael Yee, vice-president of financial services at Canada Post, in an interview ahead of the launch.

The loans, which range from $1,000 to $30,000, fill a gap between payday lenders and traditional banks. The loans will come with interest rates set by TD, but customers don’t need to have a bank account and may be new to credit.

“What we discovered when we spoke to Canadians is that there really is a need in the market for access to easy and affordable loan services,” Yee said.

The Postal Service has been running pilots for the loan program, called MyMoney, since last year and in recent weeks it has scaled it up to the roughly 6,000 post offices nationwide. Customers used the loans for unexpected emergencies like car repairs or vet bills, as well as consolidating debt for higher-interest products, Yee said.

Postal workers are not authorized to give financial advice, but have been trained to instruct customers on how to apply for a loan online or over the phone, as well as to provide documents with more information. TD employees will help customers through the application, decision-making and financing process.

The partnership will help TD reach more Canadians, said Michael Rhodes, group head of personal banking in Canada, in a statement.

“Financial services are an essential service, and this alliance allows TD to play an important role in helping to expand access to banking services for more Canadians. »

Canada Post declined to provide details on the commercial terms of the partnership with TD, including how the two share benefits and risks.

The Canadian Union of Postal Workers supports the move as part of a broader campaign to bring low-cost banking to post offices, National President Jan Simpson said.

“This is just the beginning, because we are calling for a fully-fledged public bank, because as we know, in France and elsewhere in the world, the postal bank has really succeeded, and we know that it can succeed here in Canada. as well.”

Other countries like Italy, Brazil, New Zealand and Switzerland also offer postal banking services, while Canada had a post office-based National Savings Bank until 1969.

Simpson said it was important for Canada Post to ensure appropriate staffing levels as it considered rolling out more services, but the expanded offerings could help reduce the company’s debt levels, create good union jobs and helping communities.

“We hope Canada Post will expand beyond loans and go into savings and checking accounts, mortgages, insurance and even credit cards, because we really need to offer a lot of services to those who are currently underbanked in our society,” she said. said.

Donna Borden, an executive with advocacy group ACORN, said in an emailed comment that she was happy to see a low-interest alternative to payday loans, which can charge what amounts to interest rates. interest of almost 400% per year.

She said, however, it’s still unclear how easily those with little or no credit will be able to access the new loans, and would also like to see a lower entry point.

“In the future, we would like to see them offer even smaller equity interest loans to people in financial crisis – so people can avoid having to use payday loans.”

Canada Post already provides a range of financial services, including international remittances, money orders and prepaid gift cards that together account for five million transactions worth $2 billion a year, but the new program could part of a larger expansion, Yee said.

“We believe we have a solid foundation and are already a trusted partner for many Canadians providing financial services. We are therefore looking to expand these financial services through partnerships in the future to provide greater access to Canadians.

By Ian Bickis

Follow

]]>