Foreign Market – Spectacles 17E 18E http://spectacles17e18e.org/ Sat, 14 May 2022 03:32:39 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://spectacles17e18e.org/wp-content/uploads/2021/07/icon-4-150x150.png Foreign Market – Spectacles 17E 18E http://spectacles17e18e.org/ 32 32 10 Ways To Stay Motivated While Paying Off Debt According To PaydayChampion’s Mirek Saunders – CONAN Daily https://spectacles17e18e.org/10-ways-to-stay-motivated-while-paying-off-debt-according-to-paydaychampions-mirek-saunders-conan-daily/ Sat, 14 May 2022 01:41:02 +0000 https://spectacles17e18e.org/10-ways-to-stay-motivated-while-paying-off-debt-according-to-paydaychampions-mirek-saunders-conan-daily/ When you’re trying to pay off your debt, it can be hard to stay motivated. Especially if you’ve been struggling with it for a while. But don’t worry, because you are not alone. Thousands of people are in the same situation as you, and many of them have found ways to stay motivated and continue […]]]>

When you’re trying to pay off your debt, it can be hard to stay motivated. Especially if you’ve been struggling with it for a while. But don’t worry, because you are not alone. Thousands of people are in the same situation as you, and many of them have found ways to stay motivated and continue their journey to debt freedom.

In this blog post, Mirek Saunders from PaydayChampion, a well-established online loan referral service, shares 10 tips and tricks from experienced payday loan borrowers who successfully repaid their debts. These tips are for those who want to achieve financial freedom.

wads of dollar bills (©Celyn Kang)
  1. Make a plan.

Know what you need to do and when you need to do it. This will help keep you accountable and on track.

2. start small.

It can be overwhelming to think about paying off all your debts at once. So start with a loan or credit card balance and work your way up from there.

3. Define aims.

Both short term and long term. Having something to do will help you stay motivated even on days when you feel like you’re not making progress.

4. Find a support system.

Whether it’s friends, family, or an online community of people in the same situation as you, having someone to talk to and lean on can make all the difference.

5. Talk about your debt-free journey.

Sharing your experience and accomplishments with others will help you stay on track and stay motivated. It can also be a great way to inspire others who are striving to become debt free themselves.

6. Reward yourself.

Every time you hit a goal, give yourself a pat on the back (and maybe even a little treat!). This will help reinforce positive behavior and remind you that being debt-free is worth all the effort.

7. Keep a debt-free journal.

Document your journey so you can come back to it later and see how far you’ve come. It can be a great motivator when you’re feeling down about your progress.

8. Get inspired by the stories of others.

There are many people who have been in your shoes and come out of it debt-free. Reading or listening to their stories can give you the hope and motivation you need to keep going.

9. Visualize your goal.

Close your eyes and imagine what life will be like once you are finally debt free. What will you do with all that extra cash? How will it feel to not have the weight of debt hanging over your head?

ten. Remember why you do this.

It’s easy to lose sight of your goals when the going gets tough. But if you can remember why it’s important for you to be debt free, it will be that much easier for you to keep going.

.

If you’re struggling with payday loan debt, you’re not alone. Millions of Americans are in the same boat, and many of them have managed to pay off their debts. Use these tips and tricks from experienced debtors to help you stay motivated on your own journey to debt freedom. With hard work and dedication, you can accomplish anything.

It will be very helpful to find someone to hold you accountable, such as a financial adviser or even a friend.

Taking loans without a credit check is probably not a good idea right now. You need someone who will help hold you accountable, it will be a lot easier to stay on track and motivated while you pay down your debt. A financial advisor can help you develop a budget and payment plan tailored to your particular situation. And having a friend or family member to talk to can make all the difference in feeling motivated to pay off debt.

So reach out to your support network and find someone who can help you stay accountable on your journey to debt freedom. It will make all the difference in helping you stay motivated and on track.

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Tip recap: Nothing goes beyond money: Newly approved pilot program will provide $1,000 per month to 85 households – News https://spectacles17e18e.org/tip-recap-nothing-goes-beyond-money-newly-approved-pilot-program-will-provide-1000-per-month-to-85-households-news/ Thu, 12 May 2022 09:26:33 +0000 https://spectacles17e18e.org/tip-recap-nothing-goes-beyond-money-newly-approved-pilot-program-will-provide-1000-per-month-to-85-households-news/ City Council approved a pilot program at its May 5 meeting to provide monthly payments of $1,000 to 85 households for an entire year. Once people are accepted into the guaranteed income pilot, they won’t have to “prove” they still need the help, as many government-run financial aid programs normally require. The pilot project will […]]]>

City Council approved a pilot program at its May 5 meeting to provide monthly payments of $1,000 to 85 households for an entire year. Once people are accepted into the guaranteed income pilot, they won’t have to “prove” they still need the help, as many government-run financial aid programs normally require.

The pilot project will cost $1.18 million, with $152,000 going to TogetherTogether, a California-based nonprofit that will administer the program. The remaining funds, which were approved by the Board as an addendum to the fiscal year 2022 budget, will go to eligible families. UpTogether has experience administering direct cash assistance in Austin under the COVID-19 relief efforts, and works with the St. David’s Foundation on a similar guaranteed income pilot program.

These programs are guided by two fundamental principles: that the poor know better where to spend the money they have and that their needs can change more quickly than traditional public assistance programs (rent assistance, food allowances, childcare subsidies children, etc.) at the top. Austin Equity Director Brion Oaksin a memorandum to Council, referred to research by the city Innovation Office who found that fast-breaking financial “shocks” are “the most important driver[s] travel” as they add to other financial pressures – such as overdue bills that rack up late fees or interest-bearing payday loans – that can lead to eviction. Unrestricted income support, wrote Oaks, is not a “gift” of public funds, but an “essential investment in families and individuals” that can improve their health and fortunes to the point where they need less help from the sector long-term audience.

Mayor Steve Adler alluded to in his comments before the Board approved the program. “I just think [it’s] so misleading and so fake” that people call government aid programs “gifts,” he said. spend it in the most meaningful way for their family?” Adler also tied the guaranteed income program, which he hopes staff can expand and sustain in the years to come after the pilot, to the broader effort. of the city to reduce homelessness.

Mayor Pro Tem Alison Alter voted against the program, explaining in remarks before the vote that it was a complex decision for her. Alter acknowledged that the program would help families in need, but given the magnitude of the need in the city and the limited financial resources the city can deploy to meet that need, she felt it was not the right kind of program for the city. . “When I look at all the levers I have to help families meet basic needs,” Alter said, “I haven’t been able to conclude that this investment, at this time, is the best way for me. to meet those needs.” Council Members Pool Leslie and Mackenzie Kellywho both have similar reservations about guaranteed income (and, in Kelly’s case, the appropriate role of government), did not attend the May 5 meeting.

Guaranteed income programs have ambitious goals, and although similar programs exist in about 50 US cities, they remain largely untested as a means of reducing poverty. The Council’s vote to create the Austin pilot was postponed from its April 21 meeting in part because of questions about how to gauge its effectiveness; staff intend to work with Urban Institute, a DC-based think tank, to assess the success of the program. This analysis will include interviews with participants and stakeholders to identify potential improvements for future iterations of the program, as well as a “quasi-experimental quantitative analysis” comparing results for program participants and non-participants. Some suggested measures include the ability to cover an emergency expense of $400; the ability to access preventive health care and maintain a healthy diet; and the “ability to live life to the fullest”, which could be measured by how often caregivers prepare meals for children or have time for hobbies and interests.

CMs also raised concerns that Texas law does not allow for a guaranteed income program that is not intended to address specific public policy issues facing the city. Staff intend to focus on qualifying indicators to select participants, such as households at risk of eviction, utility customers who consistently miss payments, or people transitioning from homelessness to housing. with support services.

Right now, all the data we have about UpTogether’s success comes from the nonprofit itself. At a press conference earlier today, Ivanna Neri, director of UpTogether’s South West Partnership, said preliminary results from the St. David’s Foundation pilot project showed that all 125 program participants used the money to pay for basic necessities like housing, food, clothing and gasoline. Independent analysis of a publicly funded pilot project could go a long way to testing the underlying theory of guaranteed income: empowering people with unlimited financial assistance can be an effective and more dignified way to reduce poverty .

Do you have something to say ? the the Chronicle welcomes opinion pieces on any topic from the community. Submit yours now at austinchronicle.com/opinion.

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The Booming Payday Loan Services Market Globally with Top Key Players https://spectacles17e18e.org/the-booming-payday-loan-services-market-globally-with-top-key-players/ Tue, 10 May 2022 10:34:33 +0000 https://spectacles17e18e.org/the-booming-payday-loan-services-market-globally-with-top-key-players/ “Global Payday Loan Services Market Research Report 2022”This research report offers Covid-19 outbreak study accumulated to offer latest information about acute features of Payday Loans Services Market. This intelligence report includes investigations based on Current scenarios, historical records and future predictions. The report contains different market forecasts related to the market size, revenue, production, CAGR, […]]]>

“Global Payday Loan Services Market Research Report 2022”This research report offers Covid-19 outbreak study accumulated to offer latest information about acute features of Payday Loans Services Market. This intelligence report includes investigations based on Current scenarios, historical records and future predictions. The report contains different market forecasts related to the market size, revenue, production, CAGR, consumption, gross margin, charts, graphs, pie charts, price, and other important factors. While emphasizing the major driving and restraining forces of this market, the report also offers a comprehensive study of the future market trends and developments. It also examines the role of major market players involved in the industry including their company overview, financial summary and SWOT analysis. He presents the 360 degrees overview of the industries competitive landscape. The market for payday loan services is stable growth and CAGR is expected to improve over the forecast period.

Major player detail
wonga
Cash America International
Payday advance
DFC Global Corp
Instant Cash Loans
MEM Consumer Financing
Fast payment
TitleMax
LoanMart
Check and go
Finova Financial
TMG loan processing
Just military loans
MoneyMutual
Allied cash advance
Same day payday
LendUp Loans

Segmentation by Type (Platform Financial Support, Off-Platform Financial Support, , , )
Industry segmentation (staff, retirees, , , )

Global Payday Loan Services Market Report provides you with in-depth insights insights, industry knowledge, market forecasts and analysis. The report on the global payday loan services industry also clarifies economic risks and environmental compliance. The Global Payday Loan Services Market report helps industry enthusiasts including investors and policy makers to make capital investments with confidence, develop strategies, optimize their business portfolio, innovate successfully and perform safely and sustainably.

Payday Loan Services Market: Regional Analysis Includes:

  • Asia Pacific (Vietnam, China, Malaysia, Japan, Philippines, Korea, Thailand, India, Indonesia and Australia)
  • Europe (Turkey, Germany, Russia UK, Italy, France, etc.)
  • North America (United States, Mexico and Canada.)
  • South America (Brazil, etc)
  • The Middle East and Africa (GCC countries and Egypt.)

Main points covered in the table of contents:

  • Insight: Along with a broad overview of the global Payday Loan Services market, this section provides an overview of the report to give an idea of ​​the nature and content of the research study.
  • Analysis of the strategies of the main players: Market players can use this analysis to gain a competitive advantage over their rivals in the payday loan services market.
  • Study on the main market trends: This section of the report offers a deeper analysis of recent and future market trends.
  • Market Forecast: Buyers of the report will have access to accurate and validated estimates of the total market size in terms of value and volume. The report also provides consumption, production, sales, and other forecasts for the Payday Loan Service market.
  • Regional Growth Analysis: All major regions and countries have been covered in the Payday Loan Services Market report. The regional analysis will help market players to tap into unexplored regional markets, prepare specific strategies for target regions, and compare the growth of all regional markets.
  • Sector analysis: The report provides accurate and reliable forecasts of the market share of important segments of the payday loan services market. Market players can use this analysis to make strategic investments in key growth pockets of the Payday Loan Services Market.

Key questions answered by the report include:

  • What will be the market size and the growth rate in 2027?
  • What are the key factors driving the global payday loan services market?
  • What are the key market trends impacting the growth of the Global Payday Loan Services Market?
  • What are the challenges of market growth?
  • Who are the leading vendors in the Global Payday Loan Services Market?
  • What are the market opportunities and threats faced by the vendors in the global Payday Loans Service Market?
  • Trending factors influencing the market shares of Americas, APAC, Europe and MEA.
  • What are the key findings of the five forces analysis of the global payday loan services market?

Contents
Chapter One: Presentation of the Report
1.1 Scope of the study
1.2 Key Market Segments
1.3 Players Covered: Ranking by Payday Loan Service Revenue
1.4 Market Analysis by Type
1.4.1 Payday Loan Services Market Size Growth Rate by Type: 2020 VS 2028
1.5 Market by Application
1.5.1 Payday Loan Services Market Share by Application: 2020 VS 2028
1.6 Objectives of the study
1.7 years considered

Chapter Two: Growth Trends by Regions
2.1 Payday Loan Services Market Outlook (2015-2028)
2.2 Payday Loan Services Growth Trends by Regions
2.2.1 Payday Loan Services Market Size by Regions: 2015 VS 2020 VS 2028
2.2.2 Payday Loan Service Historic Market Share by Regions (2015-2020)
2.2.3 Payday Loans Service Forecasted Market Size by Regions (2021-2028)
2.3 Industry Trends and Growth Strategy
2.3.1 Key Market Trends
2.3.2 Market Drivers
2.3.3 Market challenges
2.3.4 Porter’s Five Forces Analysis
2.3.5 Payday Loan Services Market Growth Strategy
2.3.6 Key Interviews with Key Payday Loans Service Players (Opinion Leaders)

Chapter Three: Competition Landscape by Key Players
3.1 Top Payday Loan Service Players by Market Size
3.1.1 Top Payday Loan Services Players by Revenue (2015-2020)
3.1.2 Payday Loan Services Revenue Market Share by Players (2015-2020)
3.1.3 Payday Loan Services Market Share by Company Type (Tier One, Tier Two and Tier 3)
3.2 Payday Loan Services Market Concentration Ratio
3.2.1 Payday Loan Services Market Concentration Ratio
3.2.2 Top Chapter Ten: and Top 5 Companies by Payday Loans Service Revenue in 2020
3.3 Payday Loans Service Key Players Head office and Area Served
3.4 Key Players Payday Loans Service Product Solution and Service
3.5 Date of Enter into Payday Loan Services Market
3.6 Mergers and acquisitions, expansion plans

{A free data report (in the form of an Excel data sheet) will also be provided upon request with a new purchase.

Contact us:

Web: www.qurateresearch.com
Email: sales@qurateresearch.com
Telephone: United States – +13393375221

Follow us @

LinkedIn

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Note: In order to provide more accurate market forecasts, all our reports will be updated prior to delivery considering the impact of COVID-19.

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Mother awaiting heart transplant shares her story https://spectacles17e18e.org/mother-awaiting-heart-transplant-shares-her-story/ Sun, 08 May 2022 09:01:17 +0000 https://spectacles17e18e.org/mother-awaiting-heart-transplant-shares-her-story/ Share on PinterestAfter giving birth to her second child, Zuleyma Santos was diagnosed with a rare form of heart failure and placed on the waiting list for a heart transplant. Photograph courtesy of Padilla Co Mother of two, Zuleyma Santos, works with the American Heart Association to raise awareness of the dangers of heart disease […]]]>

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After giving birth to her second child, Zuleyma Santos was diagnosed with a rare form of heart failure and placed on the waiting list for a heart transplant. Photograph courtesy of Padilla Co

Mother of two, Zuleyma Santos, works with the American Heart Association to raise awareness of the dangers of heart disease in young adults.

On paper, you’d think that now 37-year-old Zuleyma Santos had it all.

Two new children born in as many years. A retail career she loved. A devoted and loving husband who, despite cancer, was always there for her and a huge, close and supportive family.

This should have been the time of his life.

But within those events came a blockbuster: Santos developed a rare and often fatal heart condition caused by the pregnancy.

That’s why today, she smiles as she adjusts the still-there backpack on her shoulder that holds 10 pounds of batteries, constantly working to keep the device that keeps her heart going while she waits for a heart transplant.

Although there were signs – and a diagnosis – after the birth of her second child in 2019, no one understood the gravity of the situation, and Santos, immersed in the beginning of his life as a parent and concentrating on her husband’s cancer treatments, did not push.

“I think there were symptoms that went unaddressed,” she told Healthline. “I have always been a strong person. You will never hear me say “oh it hurts”. It is not me.

This “go for it” attitude could have proved fatal with the birth of her second child.

But it also launched her into a space she never thought she would be in – spokesperson for the American Heart Association.

“I felt I needed a way to reach people. To help them know how to speak for themselves.

“I never thought I would have heart failure or my partner would have cancer, at least not when our kids are babies with dirty nappies lying between my hospital bed. But I’m here. And if I can be the voice they hear – knowing there are resources out there – then so be it.

Santos was holding her then two-day-old baby in the hospital when suddenly she could barely breathe.

“I called the nurse and said ‘hold baby, something’s wrong with me!” she remembered. “I couldn’t breathe and thought I was losing my life.”

She was examined, tested, and then diagnosed. It was peripartum cardiomyopathy, they told her, a form of heart failure that occurs in the last month of pregnancy or the first few months after giving birth.

The baby went home, but Santos remained in the hospital for four more days. She was stabilized and told to rest and see a follow-up cardiologist once home.

She did, but as at every cardiology visit she was told that she had passed all the exams and that she had been given medication that stabilized her, she made a decision.

“It was time to get back to normal life,” she said. “I was like ‘I feel fine. Why are you telling me I have this? So I went back to my life: working, taking care of the kids and taking care of my husband.

No one blinked or tried to steer her in another direction, she said.

In March, the pandemic shutdown hit, a “blessing”, she said, because although it was hard to lose her job, it was great to be “home and s ‘taking care of the children’ while her husband returned to the hospital to fight his cancer. As stressful as it may seem, she said, she felt good at home and confident in her health.

Then summer came. In July, she was struggling,

“I felt tired, exhausted and couldn’t eat well,” she said.

But the postpartum heart diagnosis didn’t cross her mind.

“I didn’t really think it was my body,” she said. “I thought it was the summer heat. And you know, taking care of two babies and a husband battling cancer. It’s wreaking havoc. »

Then it got worse. “I couldn’t even lift my daughter’s legs to change a diaper,” she recalls.

She went to the emergency room – in the middle of the pandemic – with swollen legs, nausea and exhaustion. Although she was told of the earlier diagnosis, she says, they sent her home and told her to try eating differently.

Worried, she tried to get in touch with a cardiologist, but the pandemic shutdown also made that difficult. She got an appointment for the end of October and was hoping for the best.

Five days after that ER visit, she suddenly plummeted and realized she was in trouble.

“I told my husband to call an ambulance,” she said.

The last thing she remembers is being intubated. She woke up on November 3 and was told she had stage four heart failure and needed a heart transplant.

“It was very hard to hear,” she said. “I didn’t understand how I, at my age, got to this.”

It’s not an uncommon way for someone his age to think.

“It underscores the importance of recognizing this disease and heart disease in general,” Dr. Eugene DePasquale, a cardiologist at USC’s Keck Medicine, who treats Santos, told Healthline.

“The leading cause of death in the United States [based on data gathered pre-COVID-19] is heart disease,” he said. But when people look [based on their symptoms] they search for ‘cancer,’” he said.

He said the data suggests that less than three per cent of people looking for symptoms search online for heart disease.

The media, he said, reports on suicide, terrorist deaths and cancer, but not so much on heart disease.

Also, he said, younger heart patients tend to have different symptoms that are more focused on the gastrointestinal tract.

“Younger patients, in particular, can be missed,” he said of the cardiac diagnosis. “Not only by the patient but by the [medical experts] as well.

That’s why he and his team are thrilled to have her share her story while working on a heart transplant.

“She’s a special woman,” he said. “We are very grateful to him. She’s been through a lot, but she still does things like that. She is part of our family and vice versa.

Santos went home with this backpack charging her HeartMate pump, which will do the work of a heart until she receives a transplant.

DePasquale said because Santos developed antibodies during that second pregnancy that spurred heart disease, making her pool of donor hearts very small. The Friday before Mother’s Day, they were supposed to start working on getting those antibodies out of her.

She came home hopeful about it and grateful to be alive, as well as ready to take over from her ailing husband, who had taken care of the children with the help of his family during his recovery. to the hospital.

“I could feel he was waiting for me – clinging to his health to take care of things until I could,” she said.

She was right. She arrived home on December 29. On January 16, they threw a happy third birthday party for their son.

A week later, her husband went to the hospital. On February 27, he was at home in hospice care where he died shortly after.

Still, Santos is grateful and positive.

‘He gave me the strength to do it,’ she said of raising two children as a widow, battling heart disease while waiting for a transplant and being a doorway. -word of heart health.

“He did it for me, and now it’s my turn to do it for him. I’m going to support this family, keep these children happy.

She works hard with her doctors to get the heart transplant and speaks out.

Says DePasquale, she makes a difference in more ways than she realizes.

“We are very grateful to him,” he said. “She helps put this into perspective and encourages others to be proactive and fight for the symptoms to be recognized.”

It also, he said, gave visibility into how heart pumps work. The HeartMate pump has been used by people as well-known as former Vice President Dick Cheney, he said, but the powerful image of an ordinary woman living with someone could help many.

“It’s not as scary as some people think,” he said. “She can help people to accept that better.”

Santos looks to the future and a new heart with hope.

Doctors told her she probably had signs of heart disease after the birth of her first child. And while that might have meant avoiding some of the extreme illnesses, it would have changed something else as well.

“They would have told me not to have any more children,” she said. “I might not have had my daughter. And you know, I wouldn’t change that for the world.

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True Pro-Life Beliefs Demand Our Attention | Opinion https://spectacles17e18e.org/true-pro-life-beliefs-demand-our-attention-opinion/ Thu, 05 May 2022 21:34:00 +0000 https://spectacles17e18e.org/true-pro-life-beliefs-demand-our-attention-opinion/ The Supreme Court’s leaked opinions regarding Roe vs. Wade made the conversations very volatile; strong feelings are expressed regardless of which side of the issue you support. Strong opinions are good. Rhetoric that disrespects, belittles and devalues ​​the lives of others is not. Pro-lifers will argue that overthrowing Roe against Wade is essential to protecting […]]]>

The Supreme Court’s leaked opinions regarding Roe vs. Wade made the conversations very volatile; strong feelings are expressed regardless of which side of the issue you support. Strong opinions are good. Rhetoric that disrespects, belittles and devalues ​​the lives of others is not.

Pro-lifers will argue that overthrowing Roe against Wade is essential to protecting vulnerable life.

It’s true: a baby in its mother’s womb is vulnerable. My cousin Zach’s life is also vulnerable because he lives with Down syndrome; a doctor’s advice before Zach was born suggested abortion, thank goodness that advice was not followed.

My dear Shawn’s life is also vulnerable, and a broken health system constantly puts him behind the 8 ball, leaves him with no options and like too many others; how does our health care system show respect for the lives of the most vulnerable people in need of care?

A worker – a valuable worker, an excellent nine-year-old worker – who is unfairly paid and survives or does not depend on the decisions of a greedy or downright indifferent employer is vulnerable. Payday loans only make matters worse and further degrade the dignity of a life.

Elderly people whose neglect and substandard care are startlingly inhumane are vulnerable.

Our homeless people are vulnerable, as are those who wander our streets with mental health issues; too often we just pretend not to see them. Or maybe too many of us just don’t want to.

The addict and the recovering addict are vulnerable, as are the LGBTQ+ people I work with and regularly work with.

Religious communities, in particular, need to take stock of what it really means and entails to respect life or to be pro-life or pro-birth. In my ministry, I encounter LGBTQ+ people, and especially young people, who are often viewed as “less than” and expelled from “religious” families and churches. If a child is born gay or trans and then leads a hellish existence thanks to a religious tradition that does not respect their life, how can they claim to be pro-life?

I could go on and on.

Tossing Roe against Wade may offer a victory for birthright defenders, but until all people are given the full and unconditional dignity they are rightfully entitled to and the care of a nation that prides itself on claiming to vote for respecting life, ensuring a life for a child does not make sense. That’s right; until we provide structures that respect and care for this child, this life, until his last breath with unconditional love, educational opportunities, health care, a living wage and justice of workers, and that we are concerned about the most vulnerable among us, we cannot say that we are anti-abortion. The point is, we’re pro-birth.

How easy it is to respond to the silent cries of the child in its mother’s womb, but when the pleas and deafening tears of those who are alive ask us to be pro-life and respect their lives, we fail. miserably. We are too often deaf, I’m afraid.

Overthrowing hard hearts is essential. The overthrow of a culture that slowly manifests a lack of respect for anyone’s life must be done with or without written opinions and votes. There must be, for sure, a communal uprooting of an ill-informed mindset that sees birth as an autonomous issue; there must be communal metanoia – a total conversion of hearts – before we can truly claim the victory of being pro-life.

Stan Zerkowski is the Catholic LGBTQ+ Ministry Director for Lexington.

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Earnipay leverages integrated finance to offer frictionless transactions to generate on-demand salary revenue. https://spectacles17e18e.org/earnipay-leverages-integrated-finance-to-offer-frictionless-transactions-to-generate-on-demand-salary-revenue/ Tue, 03 May 2022 13:36:57 +0000 https://spectacles17e18e.org/earnipay-leverages-integrated-finance-to-offer-frictionless-transactions-to-generate-on-demand-salary-revenue/ Earnipay, the fintech startup committed to improving workforce productivity and financial well-being by giving employees flexible, on-demand access to their earned wages before payday, has partnered with OnePipe to ensure that the financial transactions that characterize Earnipay’s offerings are carried out frictionlessly and at lightning speed. In Nigeria today, employees often have to wait for […]]]>

Earnipay, the fintech startup committed to improving workforce productivity and financial well-being by giving employees flexible, on-demand access to their earned wages before payday, has partnered with OnePipe to ensure that the financial transactions that characterize Earnipay’s offerings are carried out frictionlessly and at lightning speed.

In Nigeria today, employees often have to wait for a 30-day pay cycle, during this time life does not stand still and unforeseen financial obligations and the pressure to meet expenses and settle bills have historically cost employers up to 30 working days in lost productivity per year. Earnipay is quickly becoming the definitive on-demand salary access solution, addressing the biggest source of workplace distractions and productivity declines – money worries and helping employers stay out of cycles. debt from predatory payday loans and unlocking financial freedom.

Speaking on the collaboration, Earnipay Founder and CEO, Nonso Onwuzulike said; “We are constantly improving the way we serve our key customers; employers and employees, and our adoption of the robust APIs available on the OnePipe gateway is consistent with our commitment to providing financial freedom for businesses. For employers, it is the absence of the challenges of poor performance and turnover created by employees facing financial difficulties, while for employees, the absence of restrictive monthly payment cycles and an open door flexible access to the money you’ve earned. Leveraging OnePipe’s resilient infrastructure ensures that disbursements/collections happen in seconds, enhancing our promise to our consumers. »

This partnership paves the way for Earnipay to further expand its service to over 200,000 employees before the end of 2022 and rapidly expand across the African region.

Commenting on the partnership, OnePipe CEO Ope Adeoye said, “OnePipe’s core promise is to work with its partners to achieve customer intimacy and operational excellence through integrated finance. We deliver on that promise every day by ensuring the OnePipe Gateway delivers world-class service on time, every time. Earnipay choosing OnePipe as they progress on this laudable journey is an added incentive for Onepipe to deliver on their promise.

About EarniPay

Earnipay is a financial wellness fintech solution that integrates employers’ payroll and HR systems to provide employees with on-demand funding to instantly access their interest-free earned pay. Earnipay’s flexible payroll access helps organizations improve employee engagement and productivity by relieving financial stress caused by eliminating the need for a payday advance or predatory payday loans with interest rates. ‘interest. For more information visit Earnipay.com

press contact

Busayo Oyetunji (hello@earnipay.com)

About OnePipe

OnePipe is a mission-driven organization that believes the world needs a new kind of financial services ecosystem. A world where everyone has a role to play and where everyone has value to grasp. And even if some guardians are necessary, their influence should be minimal. Since its inception in August 2018, OnePipe has facilitated the seamless launch of financial services products by diverse cross-industry innovators. OnePipe successfully processed over $70 million in embedded finance transactions in February 2022

For more information, visit the OnePipe website at https://onepipe.com/

Press contacts:

Femi Apesin (consult@onepipe.com)

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Protection against high-cost lenders in place May 1 https://spectacles17e18e.org/protection-against-high-cost-lenders-in-place-may-1/ Fri, 29 Apr 2022 18:17:29 +0000 https://spectacles17e18e.org/protection-against-high-cost-lenders-in-place-may-1/ Financially vulnerable British Columbians will benefit from better protections that come into effect on Sunday, May 1 with new legislation to regulate lenders of high-cost credit products. “The coming into force of this new framework strengthens consumer protection and improves financial education to help people make important decisions,” said Mike Farnworth, Minister of Public Safety […]]]>

Financially vulnerable British Columbians will benefit from better protections that come into effect on Sunday, May 1 with new legislation to regulate lenders of high-cost credit products.

“The coming into force of this new framework strengthens consumer protection and improves financial education to help people make important decisions,” said Mike Farnworth, Minister of Public Safety and Solicitor General. “Those using or considering high-cost financial services will benefit from regulation and oversight of the industry.”

As part of the 2019 amendments to the Business Practices and Consumer Protection Act, under the new framework, businesses that offer high-cost credit products, such as installment loans and lines of credit with more than 32% interest, will be required to obtain an annual license and be regulated by BC Consumer Protection.

This oversight will help ensure that businesses understand and comply with these new requirements, and that consumers are protected and can make informed choices when using high-cost alternative financial services.

The amendments also establish new requirements for transparency and borrower protection. The rules prohibit certain charges, establish requirements for credit agreements, and establish the rights and remedies of borrowers.

These improvements are part of the government’s 2018 Financial Consumer Protection Action Plan to strengthen consumer protection and improve affordability for the most financially vulnerable people in British Columbia. Previous phases included enhanced financial protections for consumers using payday loans and government check cashing services.

A new Consumer Financial Education Fund, also coming into effect May 1, 2022, will improve consumer financial education and awareness across the province. The fund will be supported by industry as part of its annual fee.

As the province’s consumer protection authority, Consumer Protection BC will administer the new framework and the Consumer Financial Education Fund. Information on high cost consumer credit products and the business licensing process is available on the Consumer Protection BC website.

Learn more:

Action plan for the financial protection of consumers:
https://news.gov.bc.ca/releases/2019PSSG0020-000263

Regulating high-cost credit products to protect consumers:
https://news.gov.bc.ca/releases/2021PSSG0093-002228

Online resources for borrowing money:
https://www2.gov.bc.ca/gov/content/family-social-supports/borrowing-money

Information on British Columbia consumer protection laws – Consumer Protection BC:
www.consumerprotectionbc.ca

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The 3 Best Installment Loan Apps to Get You Started https://spectacles17e18e.org/the-3-best-installment-loan-apps-to-get-you-started/ Mon, 25 Apr 2022 15:24:58 +0000 https://spectacles17e18e.org/the-3-best-installment-loan-apps-to-get-you-started/ Lending apps are gradually replacing traditional loan agencies or credit unions. Today, traditional lending institutions struggle to keep up with the convenience and transparent processes of these apps. Moreover, these applications and online lenders accept applicants regardless of their credit history. However, identifying trustworthy installment loan applications can be difficult. There are many lending companies […]]]>

Lending apps are gradually replacing traditional loan agencies or credit unions. Today, traditional lending institutions struggle to keep up with the convenience and transparent processes of these apps. Moreover, these applications and online lenders accept applicants regardless of their credit history.

However, identifying trustworthy installment loan applications can be difficult. There are many lending companies in this industry, and while some offer good service, others are opportunistic and deceptive.

Accordingly, we have listed the top three installment loan apps that can help you get started on the right foot. Let’s dive!

The 3 best installment loan apps to get you started

1. Heart Paydays

Heart Payday is a popular loan app in the United States. This site offers all of its loan services online and saves you the hassle of in-store loan applications. You can complete the entire application process in five minutes or less.

They offer various loan services, such as loans for bad credit guaranteed approval $5000which can help you meet your emergency needs.

This application has a user-friendly interface, and practically anyone can easily maneuver it easily. The site is notorious for accepting applicants rejected by other lenders, as its eligibility thresholds are relatively lower than those

in most credit institutions. For example, they accept people with bad credit, the unemployed, and those receiving government benefits.

Typically, Heart Payday loans come with APRs ranging from 5.99% to 35.99%.

Advantages

  • There is no paperwork involved
  • Same day payment
  • Easy application process

The inconvenients

2. Viva Payday Loans

Another great option for a payout when you’re short on cash is the Viva Payday Loan app. The site offers no-collateral loans within hours of completing your application.

Viva Payday Loan has partnered with direct lenders who can meet your loan needs as quickly as possible. Moreover, these direct lenders offer different loan amounts.

Viva Loans does not perform intensive credit checks when evaluating loan applications, and even people with bad credit scores can get loans with them. Other groups, such as the unemployed and recipients of government support programs, can also apply for Viva Payday loans.

Their payday APRs range from 5.99% to 35.99%. This is mainly because every direct lender they partner with imposes their rates. One of their main drawbacks is that their services are not accessible in all states.

Advantages

  • Same day payments
  • The simple and fast application process
  • Flexible loan amounts from $200 to $5,000

The inconvenients

  • Viva Loan services are not available in all US states

3. Credit Clock

Credit Clock Loan is considered best for quick loan approvals. They offer their customers a range of loan products, such as bad credit payday loans, personal loans, emergency loans, and more.

It is the ideal lender if you are in urgent and urgent need of money fast because their fast loan approval process and fast repayment period can save you time.

They offer loans to people with bad credit and even those who receive government benefits. However, you must meet their minimum requirements; you must be over 18, prove you earn at least $1,000, and be a US citizen. In some cases, you may need to prove that you are employed by submitting your payslip.

Advantages

  • Fast application process
  • Same day payments
  • People with poor credit history are also allowed to apply

the inconvenients

  • Only people earning $1,000 or more can apply for the loans

Conclusion

Knowing that you have a loan option within reach of your phone can be an amazing feeling. We often find ourselves in difficult situations, and going through the process of applying for a loan in store can be time consuming to try to finance an emergency. Therefore, having loan applications can make our lives much easier.

However, it also exposes us to great temptations. Unlike the traditional loan system, where you have time to think before taking out a loan, the new app option gives you the luxury of completing a loan application with just a few clicks. Some people, especially spendthrifts, might end up in cycles of debt.

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This week at the General Assembly https://spectacles17e18e.org/this-week-at-the-general-assembly/ Sat, 23 Apr 2022 21:38:05 +0000 https://spectacles17e18e.org/this-week-at-the-general-assembly/ Monday, April 25, 2022 12 p.m.; State House Library THE REPUBLICAN PARTY OF RHODE ISLAND TO HOLD A PRESS CONFERENCE WITH RIGOP PRESIDENT SUE CIENKI AND SENATE MINORITY WHIP JESSICA DE LA CRUZ On Monday, April 25, the Rhode Island Republican Party (RIGOP) will hold a press conference with Jessica de la Cruz, Senate Minority […]]]>

Monday, April 25, 2022

12 p.m.; State House Library

  • THE REPUBLICAN PARTY OF RHODE ISLAND TO HOLD A PRESS CONFERENCE WITH RIGOP PRESIDENT SUE CIENKI AND SENATE MINORITY WHIP JESSICA DE LA CRUZ
    • On Monday, April 25, the Rhode Island Republican Party (RIGOP) will hold a press conference with Jessica de la Cruz, Senate Minority Whip, to discuss S2007 and Democrats’ efforts to undermine voter ID measures. , which are widely supported by a large majority of Americans. voters.

2 p.m.; Room 101

4 p.m.; Room 313

5:30 p.m.; Room 313

Tuesday, April 26, 2022

1 p.m.; home living room

2 p.m.; Room 101

2:30 p.m. State House

  • HOUSING IS A HUMAN RIGHT.
    • As outreach workers who see and hear the stories of homelessness every day, we are sick of the inability to meet the most basic needs of our most vulnerable citizens. Join the Rhode Island Homeless Advocacy Project (RIHAP), HOPE and other direct service organizations at the State House to advocate for the right of every Rhode Islander to be housed! We must END HOMELESSNESS today. SHOW YOURSELF for you and your community. If there’s anyone sleeping on the streets of our city, it’s everyone’s responsibility! Also, please sign our petition, which lists the same demands, and which we will send to lawmakers and the press to show our support for solving this crisis: https://chng.it/JTLn45TX

3 p.m.; State House Library

  • Coalition Press Conference for a Multilingual Rotary Press Conference
    • Multilingual Education Advocacy Day will bring together lawmakers, students, parents, educators, community organizations and members of the public to discuss challenges and advocate for resources to expand multilingual education opportunities for all Rhode Island students. The press conference will feature remarks from Governor Daniel McKee; Secretary of State Nellie Gorbea; Commissioner Angélica Infante Green, Department of Primary and Secondary Education; Wujuudat Balogun, high school student for young voices and classical music; Dayana Henríquez Rodríguez, RIC World Language Education candidate; Paige Clausius-Parks, senior policy analyst at Rhode Island KIDS COUNT, and Dr. Erin L. Papa on behalf of the Coalition for Multilingual IR.

3 p.m.; home living room

4 p.m.; State Chamber

  • Stop the RI torture
    • The StopTortureRI Coalition will hold a short rally outside the State House on Tuesday, 4/26 at 4:00 p.m. to support two bills, S2631, a bill that limits solitary confinement to 15 days and requires the DOC to be more transparent in its reports, and S2633, a bill that eliminates life sentences for juveniles without parole.

4 p.m.; bedroom of the house

4 p.m.; Senate Chamber

5 p.m. (Rise of the House); home living room

5 p.m. (Rise of the House); Room 35

5 p.m. (Rise of the House); Room 101

5 p.m. (Rise of the Senate); Senate Lounge

5 p.m. (Rise of the Senate); Room 211; Secret hearing!

5 p.m. (Rise of the Senate); room 310; Secret hearing!

5 p.m. (Rise of the Senate); Room 313

  • SENATE COMMITTEE ON THE JUDICIAL
    • Lombardo’s S2788 adds advanced recycling as a definition of waste disposal. Adds Advanced Recycling Facility, i.e. a facility that receives, stores and converts post-use polymers and raw materials recovered using advanced recycling.
    • S2514 by DiPalma establishes a commission to study the use of artificial intelligence in state government decision-making.
    • S2509 by Acosta repeals municipal corporations of detention facilities and prohibits the operation of private detention facilities and public-private partnerships within the state.
    • S2631 by Mack establishes for the DOC the terms and procedures for the use of restrictive housing/disciplinary and administrative confinement and protective custody with annual reporting required.
    • S2633 de Quezada provides that prisoners who have committed offenses before the age of 18 and who have been sentenced as adults are eligible for parole after serving 15 years of sentence. Would not extend their parole eligibility if the prisoner was eligible for parole before 15 years.
    • S2656 by Mack provides that the Director of the Department of Corrections shall establish a program to provide access to multimedia electronic tablets to general population inmates. The program is administered at no cost to the ministry.

Wednesday, April 27, 2022

4 p.m.; bedroom of the house

4 p.m.; Senate Lounge

4 p.m.; Room 211; Secret hearing!

  • SENATE LABOR COMMITTEE
    • Burke’s S2242 repeals Rhode Island’s general laws which provide that the Director of Labor and Training may approve wages below minimum wage for persons whose earning capacity is impaired due to physical or mental disability.
    • S2551 by Kallman requires all entities receiving state tax credits to pay their workers prevailing wages or other payments in accordance with Rhode Island law. This law would also allow the revocation of tax credits in the event of a violation of this law.

4:30 p.m.; Senate Lounge

  • SENATE COMMITTEE ON EDUCATION
    • S2285 by Mack requires that lessons on family life or sex education be taught in grades 6 through 12 and are appropriate for students of all races, genders, sexual orientations, ethnicities, and cultural backgrounds.

4:30 p.m.; room 310; Secret hearing!

5 p.m. (Rise of the House); Room 35

  • HOUSE FINANCE COMMITTEE
    • J Lombardi’s H7072 caps the APR for payday loans at 28%. Requires a 90 day due date. Prohibits fees/interest payments above 60% of principal. Requires monthly payments of no more than 25% of the original principal amount.
    • Giraldo’s H7799 prohibits contracts with private, for-profit correctional facilities or the United States Immigration and Customs Enforcement for the purposes of housing and detention of persons.

5 p.m. (Rise of the House); home living room

5 p.m. (Rise of the House); Room 101

Thursday, April 28, 2022

2 p.m.; home living room

3 p.m.; Room 101

4 p.m.; bedroom of the house

4 p.m.; room 310; Secret hearing!

4 p.m.; Senate Lounge

4 p.m.; Room 211; Secret hearing!

4 p.m.; Room 313

  • SENATE COMMITTEE ON THE JUDICIAL
    • Lawson’s S2090 allows people who have not reached the age of 18 to vote in a primary election, provided the voter is 18 on the date of the general or special election.
    • Kallman’s S2635 makes it easier for eligible incarcerated inmates to vote and creates the title “Incarcerated Voting Coordinator” within the Department of Corrections to help facilitate inmate voting from start to finish.
    • S2659 by Euer creates an address privacy program for victims of domestic violence.
    • S2858 by Coyne creates an address privacy program for people experiencing abuse or domestic violence. http://webserver.rilin.state.ri.us/BillText/BillText22/SenateText22/S2659.pdf

4:30 p.m.; Senate Lounge

5 p.m. (Rise of the House); Room 35

5 p.m. (Rise of the House); home living room

Friday, April 29, 2022

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For recruitment and retention, some Minnesota companies are turning to same-day payment https://spectacles17e18e.org/for-recruitment-and-retention-some-minnesota-companies-are-turning-to-same-day-payment/ Fri, 22 Apr 2022 14:59:49 +0000 https://spectacles17e18e.org/for-recruitment-and-retention-some-minnesota-companies-are-turning-to-same-day-payment/ In 2020, “stimulus check” and “second stimulus check” were among the top 15 Google searches in the United States. In the same year, a report by Ernst and Young estimated that in the countries of the Organization for Economic Co-operation and Development (OECD), about 1,000 billion dollars in workers’ wages were sleeping in employers’ coffers […]]]>

In 2020, “stimulus check” and “second stimulus check” were among the top 15 Google searches in the United States.

In the same year, a report by Ernst and Young estimated that in the countries of the Organization for Economic Co-operation and Development (OECD), about 1,000 billion dollars in workers’ wages were sleeping in employers’ coffers every day.

“It’s basically been an interest-free loan from an employee to an employer,” said Aaron Fuchs, commercial vice president of Ceridian, a Bloomington-based human capital management firm. To laypersons, that means “it’s a software company and the software it provides is inherently HR-centric,” Fuchs said.

Stimulus checks were a way out. Ceridian is part of a growing industry that is disrupting “payday”.

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In her role, Fuchs oversees Dayforce Wallet, one of several mobile apps on the market offering same-day payment. Also known as earned pay access, pay-on-demand, or real-time pay, the service allows employees to access their pay from their personal devices right after their shift. work.

Aaron Fuchs

Employee expectations have changed: 83% of American workers aged 18-44 believe they should have access to their pay at the end of each workday, according to a 2021 survey by The Harris Poll.

“Technology has caught up with and redefined so many other places in (people’s) lives,” Fuchs said, “They recognize that payroll is an area that really hasn’t changed since the 1980s.”

The company launched Dayforce Wallet in May 2020, expanding to Canada last year. Fuchs said it closed 2021 with nearly 1,000 customers, including large companies such as Danone and local businesses such as Lunds & Byerlys.

Since Ceridian rolled out its program during COVID to customers most in need of attracting new workers: retail, healthcare, manufacturing and hospitality.

Be competitive in the labor market

Amid high unemployment levels and a pandemic where many public-facing workers quit en masse, employers needed creative solutions to retain and recruit employees.

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“We really wanted to leverage (same-day pay) and offer it to our people as a way to continue to differentiate ourselves in the workplace,” said Casey Enevoldsen, vice president of employee experience at Lunds. & Byerlys. “We see that the labor force continues to decline in its growth. It just means there will be fewer and fewer people available to do the work that employers are really looking to do, so we’ve been really focused on retention while trying to attract new talent.

Many employees say getting paid sooner is a key aspect of their financial well-being. Part of their strategy has been to look at a wide range of attractive measures to retain and attract new talent, including adding telehealth to various part-time and full-time positions in retail, manufacturing and support.

Enevoldsen said adding same-day payment was an easy transition because Ceridian already manages its payroll and offered the benefit at no cost to the grocer and its employees. Under this system, individuals directly deposit their paychecks into Dayforce Wallet from which they can choose to have their funds deposited to a mobile wallet or physical debit card.

Jeanniey Walden

Jeanniey Walden

Launched in 2016, DailyPay is associated with a number of fast food franchises, as well as companies such as Mall of America and Target. (The New York-based company opened its only other U.S. office in Minneapolis for operations and customer service in 2019.)

DailyPay marketing manager Jeanniey Walden said the frequency of payments had been delayed by the introduction of payroll tax in 1943. With businesses traditionally operating their own payroll systems, it was becoming cumbersome and more expensive to perform calculations for the numbers behind an employee’s paycheque. She said there were three information systems behind them: time and attendance, pay rate, and benefits like health care, dental, 401k, and wage garnishments. Financial services companies like DailyPay extract this information from employers and automate all these processes so that workers can see in real time how much they earn and in turn access that salary.

A third-party audit of DailyPay data found that employee turnover was reduced by 42% with DailyPay.

With the financial stress of the past few years, same-day payment has been key to competing with the gig economy and supporting workers on tight budgets.

“Most of the time when (people with multiple jobs are) asked, ‘why do you work for me here? and do DoorDash?’ It’s not because they don’t make enough money here. It’s like, ‘well, I need $50 this week because I have to make the deposit on my daughter’s braces’ or whatever,” Walden said.

Most non-farm workers in the United States are paid bi-weekly (every two weeks), according to a February 2020 snapshot of the US Bureau of Labor Statistics’ Current Employment Statistics survey. About a quarter are paid monthly or fortnightly.

The article continues after the ad

Overcome financial precariousness

Keziah Vulu works part-time at Lunds & Byerlys. She accessed her pay the same day only once. Intrigued by the novelty, she ordered food.

“I like that it’s there, but I don’t like it when my (bi-weekly) checks are short,” Vulu said.

She instead expressed relief for the company’s January switch to weekly pay. Employees can withdraw their pay for the day from the app, with the pay being deducted from their weekly check.

“(With the move to weekly pay), I was able to budget and get what I wanted. It seemed harder to save when I was paid bi-weekly and easier to overspend,” Vulu said.

Several employees noted the same – either never using same day payroll or rarely using it.

“If we had stayed on a biweekly (schedule), I would have been more inclined to personally jump on that bandwagon. But with the weekly, it works. It’s good enough for me,” said operations supervisor Nina Urman.

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Sara Cramer trains the employee support teams at DailyPay and also accesses same day payroll on occasion. Being paid bi-weekly, she said easy access to wages provides peace of mind around payday.

“That (need) date isn’t your whole life,” said Cramer, who said the service was more helpful in helping him understand his daily gross earnings.

The data confirms this. More recently, academic research has explored the impact of payment frequency on worker behavior. A 2019 article cited by the Bureau of Labor Statistics found that a causal relationship between frequent payments and household spending reads to help navigate personal finances. Earlier in April, the Consumer Research Journal published an article by business professors Wendy de la Rosa and Stephanie M. Tully and noted that “higher payment frequencies reduce consumer uncertainty in predicting whether they will have enough resources over a period of time. “.

But in addition to allaying potential worries, financial services companies say same-day payment eliminates the need for payday loans, credit cards and other traps people fall into when they run out of money. money.

“DailyPay is used to complement and connect in really unique and different ways,” Walden said.

One example she noted: “As gas prices soared, many people who, again, normally had enough money, ran out of gas to physically get to work… They had no way to get to work if they didn’t use DailyPay to get gas for their car for the next two days to get them through to payday until their check pay arrives.

According to the Consumer Financial Protection Bureau, “Before the COVID-19 pandemic, consumers consistently paid more late fees on their credit cards each year, peaking at more than $14 billion in 2019. Late fees assessed by issuers have decreased to approximately $12 billion. in 2020 given record payout rates and public and private relief efforts. Even during the pandemic, late fees accounted for more than a tenth of the $120 billion consumers pay each year in interest and credit card fees. In 2021, late fees have increased again.

In March, a coalition of 19 lawyers urged the Consumer Financial Protection Bureau to ensure that lenders who buy now and pay later do not engage in practices that trap consumers in a cycle of debt. . , “rapid and exponential growth” during the COVID-19 pandemic.

DailyPay says 88% of users credit the app with reducing or eliminating their use of payday loans, and an average of $292 is saved each year among people who incur overdraft fees, according to a report by partnership.

Urman said the same-day pay benefit provides peace of mind and a good safety net.

“I know if your car breaks down or an unexpected bill comes in, or even a vacation, that sort of thing, it’s really good for people to be able to do something right away without adding credit card debt or borrow money like payday loans where they get hit with a lot of interest,” Urman said. “It can be huge. So even though for me it might not be a weekly need or monthly, it’s good to know that if something happens, you have some sort of backup system where you don’t have to put yourself in an extra bad position.

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