Online gaming business – Caca Niquel Online http://caca-niquel-online.com/ Fri, 21 Jan 2022 19:30:28 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://caca-niquel-online.com/wp-content/uploads/2021/10/icon-7-120x120.png Online gaming business – Caca Niquel Online http://caca-niquel-online.com/ 32 32 Personal habits that can increase financial risk https://caca-niquel-online.com/personal-habits-that-can-increase-financial-risk/ Fri, 21 Jan 2022 19:30:28 +0000 https://caca-niquel-online.com/personal-habits-that-can-increase-financial-risk/ (MENAFN – ValueWalk) When it comes to things that may pose a risk to your finances, certain activities may immediately come to mind. Investing heavily in high-risk stock options, quitting your job without a back-up plan, or habitually making large, unnecessary purchases are all obvious actions that can certainly affect your finances. But what about […]]]>

(MENAFN – ValueWalk)

When it comes to things that may pose a risk to your finances, certain activities may immediately come to mind. Investing heavily in high-risk stock options, quitting your job without a back-up plan, or habitually making large, unnecessary purchases are all obvious actions that can certainly affect your finances.

But what about the things you do in your daily life? Surprisingly, common personal habits can also jeopardize your personal wealth. Some of these habits seemingly have nothing to do with money, but can have a major impact in ways you may not have considered.

Contents Pin up

  • 1. Recreational alcohol use

  • 2. Lack of savings

  • 3. Continuous subscriptions that you do not use

    • 3.1. Focus on the day-to-day

Recreational alcohol consumption

When linking alcohol to financial risk, the obvious route is prosecution or criminal charges for misconduct. One danger that may not be as widely known, however, are the long-term consequences stemming from traumatic brain injury. As alcohol is estimated to be a contributing factor in approximately 50% of all traumatic brain injury incidents, the habit of drinking alcohol can have very real consequences.

Letter 2021 from Seth Klarman: Baupost’s “endless” information hunt

Baupost’s investment process involves “endless” gleaning of facts to help support investment ideas, writes Seth Klarman in his year-end letter to investors. In the letter, a copy of which ValueWalk was able to review, the value investor outlines Baupost Group’s process for identifying ideas and answering the most critical questions about its potential Read more

Brain damage can impact your finances far beyond substantial medical bills. If you have a brain injury that causes permanent damage and renders you unable to work, your income could be a fraction of what you are used to. While disability payments may provide meager relief, these payments can take months to initiate and may require multiple rounds of appeals.

Lack of savings

Spending on a monthly basis at the higher end of your monthly income is fine until an unexpected expense arises. The problem with this is the fact that unexpected expenses will arise at some point. Whether it’s a car repair or water damage in your home due to a burst pipe, costs will arise that cannot be delayed.

Americans have become more aware of having funds set aside for emergencies. However, about 51% have less than three months of spending in savings. When unexpected costs arise, it’s all too easy to fall into the trap of high-interest borrowing. This can take the form of credit cards or payday loans. Unless you drastically adjust your monthly expenses, you run the risk of spending long periods of time recouping interest payments.

Continuing subscriptions that you are not using

It can sometimes be comforting to have the option of using something even if you decide not to. Signing up for that gym membership at the start of the year seems like a step in the right direction for overall health, but it does little good other than drain your bank account if you don’t use it. .

Maybe there was a single TV show that you were excited to watch and signed up for a streaming service. After you finished watching, did you find anything else on this streaming service? Does it appear as a recurring monthly charge on your credit card without being used?

Many services start with an introductory free trial that requires you to enter payment information upfront. This is a savvy business strategy as it is very easy to forget that payment is due after 30-60 days. Even if you remember, you still have to take the time and effort to call or log into your account to cancel. If you don’t regularly check your credit cards and bank accounts for automatic payments, you could be wasting huge amounts of money each month.

Whether you put a cap on subscriptions and other memberships as part of your annual family budget or just check that you’re using the ones you pay for, get into the habit of not throwing away money.

Focus on the day-to-day

Financial difficulties don’t always stem from the fallout of failed business deals or a drop in investment. Much of the success of financial stability comes from daily habits. To avoid unforeseen difficulties in terms of personal wealth, it is better to adopt good habits and not take unnecessary risks.

Updated January 21, 2022 at 11:40 a.m.

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How to get a business loan in 2022? https://caca-niquel-online.com/how-to-get-a-business-loan-in-2022/ Thu, 20 Jan 2022 15:41:07 +0000 https://caca-niquel-online.com/how-to-get-a-business-loan-in-2022/ A business owner looking for additional funding to start or expand your business? Find out which 2022 business loans are the best options for you today! In this review, Nick Wilson, Founder and CEO of AdvanceSOS shares his expertise on how to get top tier business loans in 2022. Additionally, he shares tips for approaching […]]]>

A business owner looking for additional funding to start or expand your business? Find out which 2022 business loans are the best options for you today!

In this review, Nick Wilson, Founder and CEO of AdvanceSOS shares his expertise on how to get top tier business loans in 2022. Additionally, he shares tips for approaching lenders and showcasing your creditworthiness by as a business owner. As an experienced loan officer, Nick also explains how you can be successful with your application from a lender’s perspective. By having a large database of legit direct lenders in California, Ohio, Florida, Advance SOS can quickly help you get payday loans, installment loans.

What is a business loan and how does it work?

Business loans are loans that you can borrow for a specific purpose only: to fund your business. Business loans vary in the area of ​​your business you use them for. There are loans for startups, financing essential equipment and expansion (franchise loans). Whatever it is, the lenders restrict the use of the loan to businesses only.

How much financing can you get with business loans?

As the purposes of business loans vary, their amounts also differ. For microloans, you can borrow between $5,000 and $50,000. But for larger installment loans, you can get up to five million dollars.

The amount you can get from the loan will depend on what you need it for. If you only need a loan to cover the small payroll costs of your employees, you may not get much. But if you plan to franchise your business, you may be able to borrow more from a lender.

What are typical business loan interest rates?

Typical business loan interest rates range from 4.99% to 99.00%, depending on the specific type and lender. Loans without collateral, co-signers or credit checks have higher interest rates. Having a strong credit history and credit rating can help you get lower interest rates. But there are still loans you can get with bad credit.

Interest rates also depend on how quickly you can get a business loan or payday loan, or other types of loans. Interest rates can skyrocket, allowing you to withdraw your loan funds more quickly. The higher rate pays for how easily you get the money you need.

How to apply for a business loan?

#1 Know the type of loan you need

Ask yourself, “Why do I need this loan? » Target the area of ​​your business that you need cash for and find the type of loan that fits your needs. Here are some types of business loans,

  1. term loan – a flexible small business loan perfect for financing day-to-day expenses.
  2. Loan from the Small Business Administration (SBA) – in the form of a low-cost loan guaranteed by the government.
  3. Business line of credit – a small flexible unsecured loan with a maximum credit limit.
  4. Equipment loan – a guaranteed loan of a large amount for the purchase of vehicles, machinery and essential tools.
  5. Invoice factoring and financing loan – a loan for one-time initial payments to suppliers and others.
  6. franchise loan – a loan for start-ups planning to open a franchise branch.

#2 Find the best lender to approach

Not all lenders offer the best financial products for every category. Your task now is to find the best loan provider of what you are looking for based on your needs. Rank the following criteria before looking for a lender, so you know what to put first. Can your lender

  • Loan the entire amount of the loan
  • Give the lowest interest rate
  • Be flexible with due date and late fees
  • Approve and release money fast
  • Lend with few requirements
  • Loan anytime, any day

#3 Prepare the requirements to submit

Prepare the following requirements to increase your chances of getting loan approval,

  • Basic personal information (name, address, email and contact number)
  • Tax Identification Number (as employer (EIN) and social security number (SSN))
  • Basic business information (name, address, email, contact number, industry category, company structure, years in business, number of employees, annual revenue, estimated monthly expenses)
  • Recent business plans, bank statements, financial statements, and tax returns

Can I use a business loan for personal purposes?

No, you cannot use a business loan for your personal use and that of someone else. You can’t even redirect a specific loan to other expenses within your business. An equipment loan consists only, for example, of buying or renting a vehicle, machine or tool. You cannot use it to pay your employees or fund a franchise.

If your lender discovers that you have used your loan elsewhere, they can seize your assets or impose a penalty.

About the writer | Amanda Girard

Amanda Girard is the financial editor of Advanced SOS. She is responsible and has excellent credit for all our material published on our website. Thanks to Amanda, we can provide quality items for your enjoyment.

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Emergency advance for Universal Credit applicants if they experience difficulty in January https://caca-niquel-online.com/emergency-advance-for-universal-credit-applicants-if-they-experience-difficulty-in-january/ Tue, 18 Jan 2022 15:35:27 +0000 https://caca-niquel-online.com/emergency-advance-for-universal-credit-applicants-if-they-experience-difficulty-in-january/ Universal Credit applicants under financial pressure in January can apply for an advance of up to £812. The measure is known as a ‘budget advance’ and can be used to help cover emergency household expenses. Although the money will have to be repaid through discounts on future payments, some consider it a safer option than […]]]>

Universal Credit applicants under financial pressure in January can apply for an advance of up to £812.

The measure is known as a ‘budget advance’ and can be used to help cover emergency household expenses.

Although the money will have to be repaid through discounts on future payments, some consider it a safer option than expensive payday loans and other borrowing methods.

READ MORE: Hundreds of new Covid cases confirmed in Gloucestershire with no further deaths

DerbyshireLive helped explain how it works, who is eligible and how you can apply.

How much can I borrow through a budget advance?

The smallest amount you can get is £100 – the highest being £812 if you have children.

The maximum amount varies depending on your personal situation, you can get up to:

  • £348 if you are single
  • £464 if you are in a relationship
  • £812 if you have children

How much you can get depends on whether you can repay the loan and whether you have savings of over £1,000.

The amount you can borrow is reduced by £1 for every £1 you have in savings over the £1,000 threshold.

Am I entitled to a budget advance?

You must meet certain criteria to receive a budget advance – which means not everyone on Universal Credit will be accepted for one.

To be eligible for financial assistance, you must have received one of the following benefits for six months or more:

These criteria will not apply if you need the money to help you start a new job or maintain an existing one.

You must also have earned less than £2,600 (£3,600 jointly for couples) in the past six months and have repaid all previous budget advances before you can be accepted for payment.

How do I repay my budget advance?

You’ll have to repay your budget advance through your future Universal Credit payments, but you won’t be charged interest on the loan.

The first deduction is made on the day you receive your next payment after being accepted for the loan and the full amount must be repaid within 12 months.

If you stop applying for Universal Credit, you will still have to repay your budget advance.

Payments will either have to come from your salary, if you are currently working, or from other benefits you may have.

If you do not make payment arrangements, the DWP can contact your employer to recover what you owe.

The DWP may also contact a debt collection agency to collect any outstanding payments – so keep this in mind before requesting a budget advance.

How do I request a budget advance?

If you are having difficulty and need a budget advance, you will need to make a request to your Jobcentre work coach.

They should explain how much you can borrow and how much you will have to repay each month.

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Mum who couldn’t afford to feed herself pays off £9,000 debt and forgave home loan https://caca-niquel-online.com/mum-who-couldnt-afford-to-feed-herself-pays-off-9000-debt-and-forgave-home-loan/ Sun, 16 Jan 2022 07:00:00 +0000 https://caca-niquel-online.com/mum-who-couldnt-afford-to-feed-herself-pays-off-9000-debt-and-forgave-home-loan/ Exclusive: Tracy Prees, 47, was £10,000 in debt at her worst two years ago after taking out overdrafts, credit cards and loans – but she has since turned her life around Tracy Prees shared her debt journey ( Image: Tracy Prees) A single mum who couldn’t afford to feed herself has told how she wiped […]]]>

Exclusive:

Tracy Prees, 47, was £10,000 in debt at her worst two years ago after taking out overdrafts, credit cards and loans – but she has since turned her life around

Tracy Prees shared her debt journey

A single mum who couldn’t afford to feed herself has told how she wiped out £9,000 of debt in two years by transforming her finances.

Tracy Prees, 47, who works as a driving instructor in Birmingham, says cutting her bills and complaining to payday loan companies has helped her financial transformation.

She also took advice from MoneySavingExpert founder Martin Lewis and says getting the right insurance has helped her in an emergency.

The mother-of-one, who has a 12-year-old daughter, says her debt troubles began when she applied for her first credit card when she was just 18.

At its lowest point two years ago, it had racked up £10,000 in debt through overdrafts, credit cards, loans and missed payments.







Tracy is now almost completely out of debt
(

Picture:

Tracy Prees)

She was also paying Brighthouse £55 a week for her TV and was unable to buy food.

Speaking to The Mirror, she said: “I’ve always worked but always struggled to pay my bills. Every month I owed more than I earned.

“It got to the point where I had to have a part-time job, alongside a full-time job.

“You end up with bad credit – even now my credit report still isn’t great – but it gets you in trouble because you always pay more when you borrow.

“You feel penalized because you can’t get the cheapest borrowing rates and you can’t have an overdraft or a normal loan.”

Tracy says taking a close look at her finances – so she can clearly see how much money she’s getting each month – has been a major factor in overcoming her debts.

Have you been able to clear a £1000 debt and want to share your journey? Let us know: mirror.money.saving@mirror.co.uk

She started transferring money from one bank account to another specifically for her bills so she knew exactly how much money she needed to spend each month.

Tracy would also make sure her bills went out the same day so she wouldn’t miss any payments.

Cutting her bills with Martin Lewis’s advice—including cutting her car insurance, gas and electric, and broadband—also gave Tracy more money to spend on her debts.

“I made sure to swap my car insurance and because of Martin Lewis it went from £50 to £100,” she explained.

“I’m a bit of an insurance queen, so I always like to cover myself. For example, I have insurance that covers me for my tires and my batteries.

“Just before Christmas, I ended up with a flat tire and it didn’t cost me anything. When you have no money, you have to think of other ways to deal with an emergency.

“I’ve saved money on gas and electric by comparing prices, although there’s not much you can do to save money on that right now.

“I also saved by cutting off my broadband and used cashback sites for additional savings.”

Tracy was also able to reduce her debts by complaining to loan companies, including Provident and Amigo Loans.

She had complained to Provident about the amount she was repaying and had received an email from them just before Christmas telling her they were closing her account.

“I owed around £1,000 but it was interest – I had paid back what I had borrowed,” Tracy said.

“I had an Amigo loan with my ex-partner and I also complained to them and they changed what I owe from £1000 to £200.”

To help her out of a difficult situation when her washing machine broke down, Tracy sought cheaper loans and ended up borrowing from the charity-owned ethical lender Fair for You.

Fair For You helps people who don’t have access to regular credit to buy household essentials only with 3.5% interest per month.

Of course, you should really only borrow if you absolutely need to – but if you’re having trouble and there’s an emergency, always try to look for the cheapest options.

Some charities such as Turn2Us will help connect you with grants that can help pay for appliances and other furniture for free.

“My washing machine exploded and I was having a hard time at the time,” Tracy said.

“I paid Fair For You now. It was half the price compared to if I had stayed somewhere else like Brighthouse.”

Tracey says she has around £1,000 to pay off before she is fully debt free – but says she is relieved to finally see the light at the end of the tunnel.

She says her advice to anyone in debt is to not put your head in the sand and tackle your problems head on.

“If you have to, call the company you owe money to and explain your situation,” she said.

“Most companies will be able to offer you a refund plan and that will keep them away from you. This means that you also pay them something.

“You have to be realistic and budget properly – calculate how much you have and how much you can afford.

“I work overtime at my job, so I can pay off the rest of my debt quickly.”

How to Get Free Debt Help

Don’t suffer in silence if you’re in debt and really don’t know where to turn – seek free, professional advice.

Always be wary of companies that try to charge you for debt help, as you can get advice without paying a dime.

Contact one of the following organizations:

Read more

Read more

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Four million payday and home loan customers from Provident, Greenwood and Satsuma must request repayments NOW https://caca-niquel-online.com/four-million-payday-and-home-loan-customers-from-provident-greenwood-and-satsuma-must-request-repayments-now/ Sat, 15 Jan 2022 07:00:00 +0000 https://caca-niquel-online.com/four-million-payday-and-home-loan-customers-from-provident-greenwood-and-satsuma-must-request-repayments-now/ MORE than four million payday and home loan customers are being asked to request any repayments that may be owed to them. If you were mis-sold a loan by Provident, Greenwood, or Satsuma, you might be in line for compensation, even if you’ve already paid it back. 1 Provident, Greenwood and Satsuma customers receive small […]]]>

MORE than four million payday and home loan customers are being asked to request any repayments that may be owed to them.

If you were mis-sold a loan by Provident, Greenwood, or Satsuma, you might be in line for compensation, even if you’ve already paid it back.

1

Provident, Greenwood and Satsuma customers receive small payments as compensation

Some home loans from Provident and Greenwood, payday loans from Satsuma, and collateral loans from Glo were mis-sold to cash-strapped borrowers who couldn’t afford them.

Thousands of borrowers had their repayments written off late last year after Provident shut down its home loan business.

Now, lenders are offering payments under a borrower repayment program – even if they paid off their debts years ago.

Customers who mis-sold loans at unaffordable rates have just weeks left to claim a share of a £50million compensation pot.

The claims window closes at the end of February and it is best to apply as early as possible.

Here’s what you need to know:

What compensation can I get?

You’re unlikely to get back as much as the company owes you, but it could still be hundreds.

And you may also have bad marks on your credit report.

Debt Camel Blogger Sara Williams told The Sun: “The provident loans were only meant to be used for short-term borrowing – that’s why the interest rate was so high.

“But Provident did not do proper checks on borrowers. Hundreds of thousands of people have borrowed continuously from Provident for years.

“They have a good chance of having their ‘unaffordable loan’ application confirmed – even if they made all the repayments on time.

“If you win, you’ll get some of the interest you paid back – it’s worth applying.”

If you took out a loan from Provident, Satsuma, Greenwood or Glo between April 6, 2007 and December 17, 2020, you may be eligible for a refund.

How much you get back will depend on how much you borrowed and for how long, as well as how many other people are asking for repayment.

The money will be distributed after the redemption program closes at 5 p.m. on February 28, 2022.

Payment will not be immediate, however, as each claim will be assessed individually.

Where can I request my refund?

If you think you have received an unaffordable loan from Provident, Satsuma, Greenwood or Glo, visit schema.providentpersonalcredit.com.

You can submit a complaint online or by calling 08000 568 936 – or you can download a form to submit.

Filing a complaint is free.

But beware of claims companies that say they’ll do this on your behalf, as they’ll take some of the money you recover – and it’s easy to do it yourself anyway.

You will need a Program ID to submit your application, which should have been emailed or mailed to you.

Call the number above if you don’t have it.

You won’t need your loan details to make the claim, Sara says, but you may need to show proof of defaults or county court judgments.

These will be on your credit report if it’s within the last six years.

It’s best to make a claim as soon as possible – just in case there is a problem submitting information close to the deadline.

What else should I keep in mind?

Sara also advises you to file a claim again if you have already been refused for a refund or accepted a small amount.

This is because lenders have dismissed too many complaints before.

Her Complaints Guide also points out that you can make a claim if you paid the loan on time, in default, or if the loan was sold to a debt collector.

None of the four companies are currently lending to new customers.

If you are a former customer of The Money Shop, Payday UK or Payday Express, you could be compensated today (January 14) or Monday.

And if you think one of the still-operating lenders may have wrongfully sold you an unaffordable loan, here’s how to file an affordability complaint.

Martin Lewis issues holiday warning for Britons booking trips abroad

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Mayors and County Director share legislative priorities https://caca-niquel-online.com/mayors-and-county-director-share-legislative-priorities/ Thu, 13 Jan 2022 01:55:08 +0000 https://caca-niquel-online.com/mayors-and-county-director-share-legislative-priorities/ BERNALILLO – Local government leaders in the Rio Rancho region are pushing to hold their own elections and secure state funds for local projects during the next legislative session. Mayors Gregg Hull of Rio Rancho, Jack Torres of Bernalillo and Jo Anne Roake of Corrales, and Sandoval County Director Wayne Johnson spoke about their legislative […]]]>

BERNALILLO – Local government leaders in the Rio Rancho region are pushing to hold their own elections and secure state funds for local projects during the next legislative session.

Mayors Gregg Hull of Rio Rancho, Jack Torres of Bernalillo and Jo Anne Roake of Corrales, and Sandoval County Director Wayne Johnson spoke about their legislative priorities on Tuesday morning at the Sandoval Economic Alliance breakfast. It was in person at the county administration building as well as live.

Sandoval County

Regarding the brick and mortar projects, Johnson said extending Paseo del Volcan to I-40 is the county’s top priority.

Wayne johnson

“We see the PoV as one of the keys to economic development and growth on the west bank of the river,” he said.

The county is also prioritizing a more permanent animal shelter, which Johnson hopes will have an emergency vet clinic.

Third, Sandoval County is asking the state for funds to supplement funds it already has for a new public safety complex.

“We’ve been chasing the rabbit, if you will, on the construction costs of this building for two, probably three years,” he said.

County leaders also want to reshape the 13e Judicial district court building to have more courtrooms. To keep up with business growth over the next 15 years, Johnson hopes the sheriff’s office moves from the district courthouse to the proposed public safety complex, renovates the vacant space, and the county trial court. de Sandoval moves to the district court building.

Finally, Johnson and the county commission want to renovate the administration building to transform the third floor commission rooms into offices and move the rooms to a new building next to the current administration building for convenience, security and space. office desk closeup.

Rio Rancho

Hull pointed out a long list of requests for project funding.

Gregg Hull

“The state said it has a ridiculous amount of money, so we’re going to ask for a ridiculous amount of money, right? ” he said.

These “requests” include $ 1.8 million for the next phase of Campus Park, $ 1.3 million for the next phase of Broadmoor Senior Center and several requests for public safety vehicles. City officials are also hoping for $ 350,000 to rehabilitate the Sabana Grande Recreation Center.

“It’s a heavily used facility, one of our original buildings, and it really needs some attention at this point,” Hull said.

He said the city opposes any legislation that would diminish the authority of the autonomy, including its ability to run its own elections. He said he was concerned that mixing municipal issues with those of other jurisdictions on a ballot could create confusion.

“I get a bit of angst when we want to give a non-partisan election to a partisan elected official who would oversee it,” Hull added. “We have been very successful in our elections over the past 40 years, so we would like to make sure we continue on this path. “

The city’s legislative priorities also include additional mental health resources and money to help public safety workers help people in crisis; ensure that the state continues to pay harmless sums to local governments to make up for lost revenue when the gross revenue tax on food was removed; and allow people who have earned retirement benefits from the Public Employees Retirement Association, especially law enforcement officials, to return to work without losing their benefits.

Bernalillo

Torres said members of the governing body and Bernalillo employees also preferred to run their own municipal elections.

Jack Torres

“Just changing the date from March to November would not be a good thing for our community,” he said.

Torres said executives at Bernalillo oppose the removal of protective provisions, but support behavioral health resources, especially crisis response teams that would work with multiple agencies and return-to-work arrangements for them. PERA retirees.

“It affects us all,” Torres said of the return-to-work rules.

Torres said the back-to-work provisions should include restrictions to prevent abuse, but he would like to allow law enforcement, fire and water or wastewater employees to return to work afterwards. retirement because it is difficult to fill these positions.

Unlike the county, he and other members of Bernalillo’s governing body oppose PO expansion.

“… The biggest concerns we have really are the impact on our community in terms of additional traffic through 550,” he said.

If 75,000 or more cars are driven on US 550 each day on the way to PdV or other locations, Torres said, the road would not be able to support the load, making businesses in the city difficult to access and thus affecting their income.

Torres and other Bernalillo executives also want the legislature to cap interest rates on payday loans at 36%.

“They suck dollars out of your community,” Torres said of payday lenders.

Regarding the brick and mortar projects, Bernalillo’s representatives are asking for $ 15 million to improve the city’s sewage treatment plant, several million more to improve the water system and $ 5 million more. dollars for a new fire station to expand services.

Corrales

Roake, who is not running for re-election, spoke last.

Jo anne roake

“We are in the same boat in terms of many of the issues we face, especially local municipal authority and autonomy,” she said.

The state passed civil rights and cannabis legislation without thinking of a city like Corrales, she said, raising concerns about future legal and financial responsibilities. Like Rio Rancho and Bernalillo, the leaders of Corrales want to keep their own local elections.

As for the projects, Corrales is asking for $ 16.5 million to install a sewage system, protecting more than 1,500 homes, she said. The village does not have a water and sewer system, so most residents use wells and septic tanks.

“We really think there are issues with our groundwater. We really need to go back and look at a decent type of connection for the sewer, ”she said.

A sewage system will not affect wells, Roake said, but will protect the quality of groundwater.

The village chiefs are also asking for money for a fire truck, police equipment, building renovations and $ 10 million for a multigenerational center of economic and cultural events.

“Hopefully we can get some traction on our bigger demands,” Roake said.


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How mobile apps are helping the financial industry https://caca-niquel-online.com/how-mobile-apps-are-helping-the-financial-industry/ Tue, 11 Jan 2022 17:35:42 +0000 https://caca-niquel-online.com/how-mobile-apps-are-helping-the-financial-industry/ Mobile apps are changing the way people do their banking. The financial industry is now able to offer more services and information directly to customers without having to go through a branch. This article will explore how mobile apps have helped change the industry, as well as some downsides of this new technology. Loans and […]]]>

Mobile apps are changing the way people do their banking. The financial industry is now able to offer more services and information directly to customers without having to go through a branch. This article will explore how mobile apps have helped change the industry, as well as some downsides of this new technology.

Loans and payments

The financial industry has been able to provide more services to customers using mobile applications, including loans and payments. Prior to the introduction of these programs, this information should have been sent through a branch. Now people can get their loan approved in minutes on their phone or tablet. This convenience can make applying for a loan much easier, as clients can handle the process at their own pace. If you are looking for a loan, Loanpig offers fast payday loans for any emergency in case of sudden expense. In addition to loans, customers can also make payments through their mobile app. This can include bills, rent, and other regular expenses. Instead of having to write a check or withdraw money from an ATM, customers can now pay for these expenses directly from their phones. This makes it easy for customers to track their spending, instead of having all receipts cluttering up a dresser or wallet.

Monitoring of investments

Mobile apps are also benefiting the financial industry by giving investors more tracking options. Using an app, clients can now track their portfolios and see their performance in real time. It can help people make better investment choices because they will have a better idea of ​​what is going on with their money. Additionally, some apps will notify customers when there is a change in the market so they can react quickly. This can be useful for people who are not able to constantly check their investments during the day. These types of apps can also help people save by providing suggestions on how much they should save, given their income and spending habits.

Fraud prevention

One of the biggest concerns in the financial industry is fraud. Unfortunately, criminals are always looking for new ways to steal money from innocent people. This is why mobile apps have become an important tool for banks and other businesses. Using a mobile app, customers can now easily verify their identity during a transaction. This is to prevent any unauthorized purchase or transfer of money, which can occur when someone uses your personal information. By forcing users to go through a verification process before making any transaction, banks can protect their customers and prevent them from losing their identity or their funds.

Best customer service

All of these advantages have made it easier for banks and other financial institutions to provide better customer service. By using mobile apps, many businesses can be more accessible to their customers so that they can answer any questions or handle issues as quickly as possible. It also saves the business money by reducing the need for additional customer service staff. In addition, mobile applications can be used to provide customers with advice and useful information about their accounts or the industry in general. It can help people better understand what is going on with their money and how they can improve their financial situation.

How mobile apps are helping the financial industry

In conclusion, mobile apps are a great way for the financial industry to stay ahead of the competition. Mobile apps have been around for several years now and they’re not going anywhere. Companies that don’t take advantage of what these powerful tools can offer will be left behind in this highly competitive industry.

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How do Payday Loans Do Their Work? https://caca-niquel-online.com/how-do-payday-loans-do-their-work/ Thu, 25 Nov 2021 07:37:56 +0000 https://caca-niquel-online.com/what-is-a-loan-worth/ Have you ever found yourself in a financial bind and needed to borrow money until the next payday? This happens to many working Americans due to unexpected financial demands. If you are aware of the process of payday loans and how they work, you can identify the firms which are the most suitable for your […]]]>

Have you ever found yourself in a financial bind and needed to borrow money until the next payday? This happens to many working Americans due to unexpected financial demands. If you are aware of the process of payday loans and how they work, you can identify the firms which are the most suitable for your needs. Avoid the untrustworthy lenders when you understand the standard practices. Which payday lender should you call on? the mighty https://citrusnorth.com/ will help you understand more information about loans. Visit their website now.

What is a payday loan?

Payday loans are an unrequited, short-term, high-annual percent rate (APR) loan, which usually is less than $500, and is due within two months or two weeks, dependent on the date you pay. Payday lenders can be found as a shopfront or online lender in accordance with state laws. There are certain characteristics one can expect from payday loans, including the amount you’ll be able to be able to borrow, a fast repayment time of two months (four weeks for incomes issued by the government) as well as electronic or cash transfer of funds, and a electronically signed check or authorization to guarantee your loan.

Certain states permit lenders to extend or rollover loans. These allow borrowers to repay fees instead of repaying the full value of their loan. The fee schedule may differ between lenders and can range from 10 percent up to 30 percent for every $100 loaned. It is also calculated by the APR will also be determined by credit institutions on the basis of the amount of the loan and repayment schedule. A short-term lender splits their finance charge by the amount of the loan, then multiplies the result by one year, and then divides it again by the days on the loan and that’s why the APR is excessive. Credit institutions charge anywhere from 12 per cent to 30% per month, while the accumulation of the balance is long-term.

How do Payday Loans Work?

If someone needs quick cash, a payday lender is often the most convenient method to obtain it. It can be found at either a physical store or online lending website. The applicant must fill the application form and provide the lender with financial paperwork and authorisation forms. A representative will review the income and documents and then makes a final decision on the capacity of the applicant to repay the loan within a shorter loan time.

The steps to a storefront payday Credit

Here’s how you can receive the payday loans you require.

  • Apply for a job by filling out an application
  • Offer bank statements as originals including employment information and address confirmation
  • Make a check payable to the amount of the loan, plus the fee , and you will receive cash
  • In two weeks, come back to collect it or request that the lender process it through the bank.
  • Tips for Getting an Online Payday Loan

Here’s how to obtain payday loans that are easy and quickly.

  • Complete a digital application
  • If requested, either submit the documents or provide the information needed for verification
  • You can receive money via bank deposit or card
  • Complete an authorization form for electronic withdrawal of funds
  • Payday loans on the internet in Idaho limit the loan to $1000 which is equivalent to 25 percent the income without APR and term supervision, permits three rollovers, and comes with the option of a 60-day repayment period

Payday lenders offer payday loans to those who are struggling financially and require quick access to cash but do not have the necessary infrastructure to qualify for traditional loans. This is also a good option for those who do not require a huge amount of money and be able to access funds to repay the loan.

]]> Payactiv named finalist for the BAI Global Innovation Award 2021 | https://caca-niquel-online.com/payactiv-named-finalist-for-the-bai-global-innovation-award-2021/ Wed, 24 Nov 2021 11:00:00 +0000 https://caca-niquel-online.com/payactiv-named-finalist-for-the-bai-global-innovation-award-2021/ SAN JOSE, California, November 24, 2021 / PRNewswire / – Payactiv, Inc, a B Corp Certified Company and the Leader in Access to Earned Wage (EWA), is named a finalist of the BAI Global Innovation Awards 2021. Highlights Payactiv is a finalist of the 11th edition of the BAI Global Innovation Awards in the “Human […]]]>

SAN JOSE, California, November 24, 2021 / PRNewswire / – Payactiv, Inc, a B Corp Certified Company and the Leader in Access to Earned Wage (EWA), is named a finalist of the BAI Global Innovation Awards 2021.

Highlights

  • Payactiv is a finalist of the 11th edition of the BAI Global Innovation Awards in the “Human Capital” category. This award recognizes product innovations in financial services that “creatively shape the experience and efficiency” of the workforce.
  • Payactiv’s Lively app offers a one-stop digital wallet solution designed to meet the needs of low-wage workers, a group often marginalized by traditional banking services. It supports more than 1,500 companies and its Direct model is available free to all.

The big picture

  • Payactiv empowers more people to participate in the economy they’ve helped create. He invented Earned Wage Access (EWA), which allows workers to be paid as they earn. It is not a loan. In less than a decade, EWA as a category has grown into one of the most popular employee benefit programs in American businesses. It is used by millions of employees who work for tens of thousands of companies.
  • Payactiv’s Lively app is an all-in-one digital wallet offering EWA, one-time discounts, integrated invoice management and bill payment, goal-based savings, instant P2P funds transfer and Payactiv Connect, a dynamic communication tool.
  • In 2021, Payactiv won two American Business Awards for “Company of the Year in Financial Services” and “Best Corporate Social Responsibility Program”, the B Corp “Best for the World ™” award for its positive social impact , the “Grand Prix” of Aite-Novarica Digital Wallet Innovation Award “and a Webby Finalist Award for the animated short”We heard you“- which is a tribute to the humanity of all workers.
  • The Payactiv Lively application is available for download on the Apple Store and google play.

About Payactiv

Payactiv, a public benefit and B Corp certified company, is a holistic financial wellness platform that provides employees with on-demand access to earned but unpaid wages. Companies partnering with Payactiv see significant cost reductions through increased recruitment, engagement and retention. Employees love Payactiv because it eliminates the high cost of payday loans, bank overdrafts, and late fees between paychecks. Payactiv offers a suite of financial services including savings and budgeting tools, bill payment, and financial health measurement. Payactiv is the recipient of the American Business Awards’ Company of the Year Award for Financial Services, the Consumer Champion Award from the Innovative Payments Association, a Finovate winner and finalist, and the recipient of numerous Top Awards. in the fields of FinTech and HRTech. Visit www.payactiv.com.

About BAI

As an independent, not-for-profit organization, BAI has been providing the most actionable insights in the financial services industry for over 95 years, empowering executives to make smart business decisions every day. We provide in-depth and proprietary research to over 40 of America’s largest banks, support over 2,100 financial services organizations with compliance training and professional development, provide thoughtful and relevant leadership through reports, podcasts and webinars of BAI Banking Strategies, and we connect senior leaders through a series of executive roundtables. For more information visit www.bai.org.

View original content to download multimedia:https://www.prnewswire.com/news-releases/payactiv-named-2021-bai-global-innovation-award-finalist-301431421.html

SOURCE Payactiv

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Bring back morality in small loans https://caca-niquel-online.com/bring-back-morality-in-small-loans/ Wed, 24 Nov 2021 07:57:50 +0000 https://caca-niquel-online.com/bring-back-morality-in-small-loans/ In an article, Mehrsa Baradaran recommends that regulators raise moraleconsiderations to capitalism by creating a public option for the bank that would offer lower interest rates for small loans. A payday loan is an example of a modest money loan. These loans are mainly intended forlow-income communities where borrowers give lenders direct access to their […]]]>

In an article, Mehrsa Baradaran recommends that regulators raise morale
considerations to capitalism by creating a public option for the bank that would offer lower interest rates for small loans.

A payday loan is an example of a modest money loan. These loans are mainly intended for
low-income communities where borrowers give lenders direct access to their bank
accounts while showing that they are receiving a regular salary. Despite the fact that they are
short-term loans, lenders will “roll over” them for a fee if the borrower has problems
repay them. These fees usually exceed the original loan amount.

Because policymakers have prioritized market efficiency over morality, it has been
suggested that modern payday loan regulation relies on consumer protection
framework rather than usury legislation. As a result, the authorities were reluctant to
enact restrictions that would impede these loan agreements.

Although states that have the power to regulate usury, governments that want to
to impose maximum interest rates will eventually lose, according to Baradaran, because
lenders will move to jurisdictions that do not control payday loans or find a way
overcome certain restrictions through lobbying and circumvent others by inventing
new pricing structures.

Some regulators argue that consumer education is the best solution to predatory lending
in the current context of consumer protection. But, as Baradaran said, educate
the poor to choose better options must mean that there are better options for
choose from.

According to Baradaran, the demand for payday loans has increased in line with poverty rates in
in the United States in recent decades. Unless poverty is solved or equitable
credit becomes more accessible, consumers will continue to seek loans with high interest rates.
Instead of relying on financial education to prevent payday loans, the government
could offer a public banking option to compete with private companies and payday
lenders in the small loan business.

Instead of relying on financial education to prevent payday loans, the government
could offer a public banking option to compete with private companies and payday
lenders in the small loan business.

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