Adult Club Profit – NKFAN http://nkfan.net/ Wed, 17 Aug 2022 06:55:16 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://nkfan.net/wp-content/uploads/2021/06/icon-150x150.png Adult Club Profit – NKFAN http://nkfan.net/ 32 32 3 bad credit loans to avoid at all costs https://nkfan.net/3-bad-credit-loans-to-avoid-at-all-costs/ Wed, 17 Aug 2022 06:55:16 +0000 https://nkfan.net/3-bad-credit-loans-to-avoid-at-all-costs/ GLENDALE, Calif., Aug. 17, 2022 (GLOBE NEWSWIRE) — Getting bad credit loans is tough, especially in an emergency. And some lenders take advantage of this fact to extort more in terms of fees and interest, associated with a lesser loan amount. Thorough research is needed to weed out loans with high APRs and find ones […]]]>

GLENDALE, Calif., Aug. 17, 2022 (GLOBE NEWSWIRE) — Getting bad credit loans is tough, especially in an emergency. And some lenders take advantage of this fact to extort more in terms of fees and interest, associated with a lesser loan amount. Thorough research is needed to weed out loans with high APRs and find ones with more acceptable terms. And RadCred, a reliable resource website, helps needy users understand which loans should be avoided and borrow money instantly online.

Getting a personal loan with a bad credit history is difficult, especially given the choices available to you. Because if the matter is not properly researched, borrowers’ credit ratings may further decline due to a cycle of debt. Some malicious lenders target those with bad credit and quickly pass on much-needed money to them, but these loans are often expensive. And when the going gets tough, many may feel the need to avail of these expensive loans, enticing them with worse interest. But before taking out an ill-advised loan, remember these 3 types of loans that should not be used even in an emergency.

  1. Short term loan– These are often small, short-term loans to be taken out to stay afloat until the next paycheck. And when same-day funds are needed, these loans are easy to obtain and may seem like a good option. But considering the interest, the extremely short period available for repayment as well as the low borrowing limit, these are not lucrative at all. Comparing the $15 fee on a $100 loan to the generic 8.73% interest rate on 24-month personal loans shows the real disadvantage of these short-term loans.
  2. Cash Advance Loans- Although these loans can be considered similar to payday loans, there are a few key differences. The good thing about cash advance loans is that people can get bad credit loans for a much higher amount than the usual payday loan. Coupled with this with the fact that repayment can be made in monthly installments, these loans seem like an excellent choice. But these are still much more expensive than normal personal loans. A cash advance loan can have an APR of 299% or more depending on the lender.
  3. Car title loans– When it seems impossible to get a loan for bad credit, most people often opt for these loans. But car title loans are often not the best choice for getting cash quickly. The amount also varies, depending on the value of the borrower’s car, and some lenders can often have very short repayment terms. Not to mention that the interest rates on these loans are also high. But above all, if things go wrong, the borrower risks losing one of his greatest assets.

So, taking out a loan for emergencies with a bad credit score is a chore that can sometimes seem impossible. But with a steady mind and well-done research, the best possible option can be had. The most important part of applying for a bad credit loan is finding a reliable lender, and RadCred makes that possible.

About RadCred:
RadCred is an easy-to-use resource platform where potential borrowers and potential lenders can connect. Their business is to provide a lender willing to provide a loan to those in need. And because local lenders are part of the network, borrowers find themselves in a safe space. Their bad credit loans are secured with industry standard encryption, are easy to get, and help people in difficult circumstances.

To learn more about RadCred, visit their website https://radcred.com/
Contact details
Riya Tyagi
riya@radrevenue.net

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How to get an emergency loan with bad credit https://nkfan.net/how-to-get-an-emergency-loan-with-bad-credit/ Mon, 15 Aug 2022 12:46:34 +0000 https://nkfan.net/how-to-get-an-emergency-loan-with-bad-credit/ Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own. If you have a low credit score […]]]>

Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own.

If you have a low credit score and need to borrow money for an unexpected expense, it is possible to find an emergency bad credit loan. (Shutterstock)

Once in a while, you may face an urgent or unexpected expense, such as a car repair or a medical procedure. With an emergency loan, you can get the money you need to cover expenses quickly, even if you have bad credit.

Here’s what you need to know about emergency loans with bad credit, what you can use the loan funds for, and some types of emergency loans you should avoid.

Where to get an emergency loan

You can get an emergency loan from multiple places, including online lenders, banks, and credit unions.

Online lenders

You can apply for an emergency loan and receive the funds online through an online lender without ever setting foot in a physical location. Depending on the lender, you may be able to prequalify and verify your loan offers online without affecting your credit.

If you find a loan offer that meets your needs, you can complete a formal application in minutes. Once you’re approved, you can receive your funds by direct deposit the same day, within 24 hours, or within a few business days.

Credible, it’s easy to compare personal loan rates from various lenders, and it will not affect your credit score.

Banks

Many types of banks – including large national banks and smaller community banks – offer emergency loans to their customers. You may be able to apply online or in person at a local branch. If you are approved, you will likely receive your funds within a few business days or a week, although funding may take longer in some cases.

Although banks sometimes offer larger emergency loans than other lenders, they also tend to have stricter requirements to qualify. You may also need to be an existing customer or meet certain income and credit criteria.

credit unions

Credit unions are non-profit organizations that generally have a local presence. Compared to banks, credit unions tend to offer lower rates on all types of products, including emergency loans. They are also known for their more personalized service. The caveat, however, is that you must meet certain membership requirements and join a credit union if you want to take advantage of any of its offers.

How to get an emergency loan with bad credit

You generally need good to excellent credit to qualify for a personal loan, so if your credit is weak, it may be more difficult to qualify. But some lenders specialize in loans for bad creditso it is still possible to get an emergency loan even if you have bad credit or no credit history.

You can also apply for an emergency loan from a co-signer to increase your chances of approval or get a lower interest rate. Remember that a co-signer will be legally responsible for the loan if you cannot make your payments.

Follow these steps to apply for an emergency loan:

  1. Shop around and compare lenders. Do research and compare several emergency lenders. Consider their interest rates, repayment terms, fees, and eligibility requirements.
  2. Choose your emergency loan. Once you have compared lenders, choose the loan option that best suits your particular situation.
  3. Fill out an application. Complete the official application online or in person. Be prepared to share basic financial information and submit documents, such as your government-issued ID, tax returns, and pay stubs.
  4. Get your funds. If you are approved, the lender will distribute your money, usually by direct deposit. Funding time can be same day or next business day after approval, depending on the lender.

Head to Credible for quick and easy compare personal loan rates from various lenders, all in one place.

What can emergency loans be used for?

An emergency loan is flexible, meaning you can use the funds for almost any type of emergency expense, such as:

  • Medical bills
  • dental costs
  • Unscheduled car repairs
  • Urgent home renovations or repairs
  • Emergency veterinary care
  • Unforeseen moving costs
  • Rent or mortgage payments to avoid foreclosure
  • Funeral and burial expenses

As is the case with traditional personal loans, you cannot use emergency loan funds for tuition, a down payment on a home, gambling, or illegal activities.

How to compare emergency lenders

Here are several important factors to keep in mind when evaluating your lender’s options for emergency loans:

  • Eligibility criteria – Most lenders require good credit, verifiable income, and a low debt-to-income ratio. But some may consider factors other than your credit score.
  • Loan amounts — In most cases, you can borrow as little as $600 up to $100,000 with a Personal loan. Make sure you only borrow what you need.
  • Interest rate – Loans for bad credit tend to have higher interest rates to offset the lender’s risk of lending you money.
  • Repayment Terms – Repayment terms generally range from one to seven years, depending on the lender. Although choosing a longer term may result in a lower monthly payment, a shorter term will keep your interest charges as low as possible.
  • It’s time to finance — If you are approved, you can expect to receive your funds anywhere from the same or next business day after your approval, up to a week (and sometimes longer).

Even if you have bad credit, it is possible to get approved for a personal loan. Credible, it’s easy to view your prequalified personal loan rates so you can find a loan that best suits your needs.

Types of emergency loans to avoid

If you’re facing an emergency, you might be tempted to take out other types of risky loans that can do more harm than good. You should avoid these types of emergency loans whenever possible:

  • Payday loans — These are small, short-term loans designed to hold you over until your next payday. You will repay them when you receive your paycheck, usually within two to four weeks. Although payday loans do not require a credit check, they come with fees equivalent to exorbitant interest rates that can significantly increase the overall cost of your emergency.
  • Securities lending — Title loans are secured loans that give you fast cash in exchange for title to your car. If you don’t repay your loan as agreed, the lender can repossess your vehicle.
  • Pawnbrokers — With pawnbrokers, you secure a valuable item, such as a diamond ring or a guitar, in exchange for money. Like payday loans, pawnbrokers are notorious for their extremely high fees and interest rates. And if you don’t repay your loan as agreed, the pawnbroker can sell your item.
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Can innovative industrial properties survive the rest of 2022? https://nkfan.net/can-innovative-industrial-properties-survive-the-rest-of-2022/ Sat, 13 Aug 2022 11:30:00 +0000 https://nkfan.net/can-innovative-industrial-properties-survive-the-rest-of-2022/ Innovative industrial properties (NYSE: IIPR), a real estate investment trust (REIT) serving the regulated cannabis industry, posted notable gains in the second quarter of 2022. Meanwhile, in the early spring, it raised funds via a sale of common shares , which helped her reduce her debt while continuing to grow the business. But, he’s already […]]]>

Innovative industrial properties (NYSE: IIPR), a real estate investment trust (REIT) serving the regulated cannabis industry, posted notable gains in the second quarter of 2022. Meanwhile, in the early spring, it raised funds via a sale of common shares , which helped her reduce her debt while continuing to grow the business. But, he’s already spent some of that, has a large debt due in 2026, just defaulted on a lease obligation, and then there’s this pervasive regulatory lag at the state and federal level. All of this leaves investors with the same question: will IIP’s latest investments pay off in these difficult economic times?

The top and bottom lines increased in the second quarter

Total IIP revenue was $70.5 million, up 9.3% sequentially and 44% year-on-year driven by the acquisition and lease of new properties, combined with rent increases. The company owns 110 properties across the country and 80% of those are attributable to multi-state operators (MSOs). Net income increased sequentially by 98% to $40.2 million with a net profit margin of 57%, a remarkable number as this is the money left over after IIP pays its bills. One thing he did with those funds on July 15 was his shareholders, who had invested as of June 30, a dividend of $1.75 per share, or $7.00 for an annual dividend rate.

Finally, he said in his recent investor call that he had 12% debt to total gross assets, with approximately $2.5 billion in total gross assets, representing a total annual obligation. fixed cash interest of approximately $16.7 million. Luckily for IIP, most of the $300 million in debt — except for $6.5 million in senior exchangeable notes — isn’t due until 2026.

Dwindling cash has prompted the company to raise funds

IIP’s cash has steadily declined throughout 2021, from $156 million in the second quarter of 2021 to just over $43 million, a 72% decline, at year-end and no leaving him with no choice but to borrow more or sell shares to replenish his bank coffers. On April 5, when the stock was trading at $205 per share, the company launched an underwriting offering of approximately 1.5 million shares at $190 apiece, raising approximately $330.9 million. of total net product. Not too shabby a transport for just a 7% stock dilution.

Since April, the stock’s value has fallen 55% – some of that attributable to a major tenant default – to just over $91 per share as of this writing, investors don’t know. were certainly not satisfied. IIP says they will use the money to invest in specialty industrial properties used in the cannabis industry and for business expenses, a promise he has already kept, leaving him with only $45 million in the bank. at the end of the second quarter of 2022.

He quickly invested the money, but will it work?

With its stock sale behind it, Innovative Industrial Properties wasted no time and purchased four new facilities in Arizona (adult and medical use), Maryland (small medical with an adult use initiative on the November ballot ), Massachusetts (medical and adult use), and Texas (very limited medical). Initiate five lease adjustments to fund facility improvements in Illinois, Michigan, New York and Pennsylvania (all medical and adult use, except Pennsylvania, which is medical only and two years or more at adult use), new investments and facility improvements represent a $239.4 million investment for the company.

These investments can help IIP build new relationships and strengthen ties with big companies like curafeuille (OTC: CURVE), Green Thumb Industries (OTC: GTBIF), PharmaCann and Sozo Health. This is good news for the company. Unfortunately, not all news was good last quarter for IPI.

One of its tenants, Kings Garden, failed to pay its $2.2 million per month rent and management fees for its six properties for the month of July. But if the problem continues for a year, it could result in a loss of more than $26 million. This storyline is still unfolding as Kings Garden and IIP work on a possible new deal. The company said default would represent 8% of total revenue and 7.4% of capital investments, management further explains that the highest risk any of its tenants exposes the company to is 14%, trying to reassure investors that it is protected from the fallout of another potential default by the tenant.

IIP’s finances appear to be in good shape for the remainder of 2022, and with its new partners consisting of some of the biggest MSOs in the country like Green Thumb and Curaleaf, it is ready to leverage these new contracts to begin repay its 2026 debt and increase its cash in the bank. However, the IIP may still be vulnerable if more tenants, 90% of which are production/processing facilities and the most expensive to run, default. And with the cannabis industry slumping from its 2020 peak, federal adult use policy change potentially stalled, states like Pennsylvania and Maryland dragging their feet toward adult use, and just the uncertainty associated with cannabis production, future defects are plausible.

IIP’s cash in the bank is a metric to watch for the next two quarters, as a continued decline may indicate that it needs to raise more money. Despite the customer default issues, IIP’s relatively lower valuation and its relationship with some large MSOs could make it a buy for investors who think new investments will take shape and aren’t a bit worried about volatility in their portfolio due to ongoing economic problems. unfold. But for everyone else, the jury is still out.

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Lukas Barfield has no position in the stocks mentioned. The Motley Fool fills positions and recommends Green Thumb Industries and Innovative Industrial Properties. The Motley Fool has a disclosure policy.

The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

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Minority-Owned Businesses Unique Opportunities and Challenges – Harlem World Magazine https://nkfan.net/minority-owned-businesses-unique-opportunities-and-challenges-harlem-world-magazine/ Thu, 11 Aug 2022 16:27:05 +0000 https://nkfan.net/minority-owned-businesses-unique-opportunities-and-challenges-harlem-world-magazine/ Minority-owned businesses represent approximately 18.3% of all US businesses. If you are a minority and are considering starting a business, it is important to familiarize yourself with the unique opportunities and challenges these businesses face. Starting a minority-owned business can be a great way to promote diversity in the business world. However, getting started can […]]]>

Minority-owned businesses represent approximately 18.3% of all US businesses.

If you are a minority and are considering starting a business, it is important to familiarize yourself with the unique opportunities and challenges these businesses face.

Starting a minority-owned business can be a great way to promote diversity in the business world. However, getting started can also be a bit tricky. Here are some tips to help you get started on the right foot.

Have a solid business plan

A business plan is important for any business, but especially for a minority-owned business. Why? Because as a minority, you may face additional challenges when it comes to accessing capital, winning contracts, and getting your business off the ground. This is why having a well thought out business plan is so important. Clearly outline your business goals, strategies, and how you plan to achieve them.

Research has shown that when you have a business plan, your business grows 30% faster. When you know your goals, your target market, and how you’re going to make a profit, you’re in a much better position to succeed. In addition, having a business plan facilitates access to financing from banks or investors. Update your business plan regularly to ensure that your business is always moving in the right direction.


Become a Harlem Insider – Sign up for our newsletter!


Research your financing options

There are many programs that can help fund your minority-owned business. Examine government programs, private grants and loans from financial institutions. You may even qualify for tax relief. The Small Business Administration (SBA) has several funding programs that help start-up entrepreneurs.

However, most funding programs require applicants to have a good credit score. If your score is not so good, you can do a Google search for “car title loans near me” to get the money you need to start your business. But you will need to have positive equity in your vehicle. Financing can help cover start-up costs, but it’s essential to do your research to ensure you get the best deal possible.

Market your business

It is important to market your business in order to reach your target market. Letting potential customers know about your business and what it has to offer is a great way to get started. You can try doing this to start:

  • Create an up-to-date and informative website. Your website is often the first thing potential customers will see, so it’s important to make sure it fully represents your business. Make sure it’s informative and easy to navigate.
  • Use social media to your advantage. Social media can help you reach more people with less effort, especially if you use ads. Use platforms like Facebook, Twitter and Instagram to share information about your business. Be sure to use hashtags and personalize your posts and ads for your target market.

Starting a minority-owned business can be a great way to promote diversity in the business world. However, minority-owned businesses can face unique challenges, such as discrimination or lack of access to capital. Be prepared for these challenges so you can succeed in spite of them.

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“Dr. Harry Delany is a renowned surgeon born and raised in Harlem, the son of the great jurist and civil rights leader, Hubert Delany….” This monthly post is written in Partnership with Harlem Cultural Archives.

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I changed careers last year. This is what happened to my finances https://nkfan.net/i-changed-careers-last-year-this-is-what-happened-to-my-finances/ Sun, 07 Aug 2022 11:00:28 +0000 https://nkfan.net/i-changed-careers-last-year-this-is-what-happened-to-my-finances/ Image source: Getty Images After more than a decade working on-site for non-profit museums, I decided I needed a change last year and have since started working remotely as a writer and editor of contents. There’s been a lot of news about people like me, a millennial who quit her job in the wake of […]]]>

Image source: Getty Images

After more than a decade working on-site for non-profit museums, I decided I needed a change last year and have since started working remotely as a writer and editor of contents. There’s been a lot of news about people like me, a millennial who quit her job in the wake of a pandemic that changed the lives of almost everyone on Earth. However, I haven’t seen many articles about the financial implications for us. After a year, I think it’s time to think about my personal finances.

Higher utility bills…but higher productivity

When I made this change, I went from working on-site 100% of the time (except for a few months in spring and summer 2020, like many Americans in office jobs) to working remotely 100% of the time . I didn’t used to worry about keeping my home comfortable for humans all the time. My cats have fur coats and enough comfortable beds and blankets that they can generally be comfortable even if it is cooler in our house on a cold winter day. Now I spend more on my utility bills because I have to maintain a comfortable temperature in my living and working space all day. Fortunately, my home office sees the fewest temperature fluctuations of any room in my house.

However, my productivity has skyrocketed since I started working from home. It’s always quiet, and I can often easily reach the deeper headspace needed for researching, writing, and editing. And because my work is always close at hand, it’s easy for me to work more (and earn more) than before. I love my job, so I see that as a good thing!

Move less often… and more often

My old career was very geolocated, and that to my personal and financial detriment: if I wanted a new job, I had to move. I’ve moved 10 times in just 10 years. Now I no longer have to worry about being close to my employer. And as a result, I’ve signed up to stay in my current tenancy for at least one more year, and I can stay even longer than that.

Although I don’t move as often as I used to, I am starting to move my body more because I no longer have a commute. I also have more “me time” during the day due to the flexible nature of my job. I like to take long walks and live in a lovely pedestrian area. I try to go out for a walk at least once a day (sometimes twice!). I listen to music or a podcast, and it’s one of the best things I can do for my physical and mental health.

Yes to technology… no to the wardrobe

Thanks to better control of my finances this year, I’m a much savvier shopper than before, and the things I spend money on have changed. I hadn’t owned a desktop computer in 10 years, but earlier this year I bought a high-end one. This computer can handle anything I throw at it, and I got a good deal buying it refurbished from the manufacturer. It also led to greater productivity than I could have ever achieved working on a laptop with a small screen, which was all I needed as a personal computer before working from home.

When I worked in museums, I had to devote a good part of my income to financing the wardrobe that I needed for work. Every day I could have built exhibits, taught student interns, taken a guided tour, given a public presentation, or even met with big-name donors or local government officials. So I always had to watch the game. Now I keep it simple and rely on my existing wardrobe.

Plan for the future…and mourn the past

The COVID-19 pandemic has changed a lot for many people, and I am no exception. It pushed me to change careers, and this career change opened financial doors for me that were locked and sometimes even closed before. I hope to buy a house in a few years, and once I finish paying off my debt, I can save some money to do so. My credit score is the highest it’s ever been, and I hope to get even higher. I don’t have any retirement savings, and that’s another goal I’ll be working towards starting next year. I’ve never made enough money to not live paycheck to paycheck, and I’m finally in a place where I can get past this stressful lifestyle.

This past year hasn’t been all sunshine and roses, and I sometimes miss my old job. But I don’t regret never having enough money to plan for the future and always feeling like I’m hanging on the edge of a financial cliff. Those of us who participated in the “Great Resignation” were all looking for the same things: greater freedom, greater happiness, and greater financial security. I’m happy to report that so far I’ve been successful in all three.

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We are firm believers in the Golden Rule, which is why editorial opinions are our own and have not been previously reviewed, approved or endorsed by the advertisers included. The Ascent does not cover all offers on the market. The editorial content of The Ascent is separate from the editorial content of The Motley Fool and is created by a different team of analysts. The Motley Fool has a disclosure policy.

The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

]]> Midday Report: Oportun (OPRT) Wins Aug. 5 https://nkfan.net/midday-report-oportun-oprt-wins-aug-5/ Fri, 05 Aug 2022 16:50:59 +0000 https://nkfan.net/midday-report-oportun-oprt-wins-aug-5/ Last prize $ Last transaction To change $ Percentage change % Open $ Previous Close $ High $ down $ 52 weeks high $ 52 week low $ Market capitalization P/E ratio Volume Swap OPRT – Market data and news Swap Oportun Financial Corp (NASDAQ: OPRT) gained $0.495 (5.10%) and currently sits at $10.19, as […]]]>

Oportun Financial Corp (NASDAQ: OPRT) gained $0.495 (5.10%) and currently sits at $10.19, as of 12:03:51 a.m. on August 5.


74,254 shares changed hands.


The company is up 12.26% in the past 5 days and the stock has gained 10.89% in the past 30 days.


Oportun is expected to publish its results on 2022-08-08.


For technical charts, analysis and more on Oportun, visit the company profile.




About Opportun Financial Corp

Opportun Financial Corp. is a financial services company that leverages its digital platform to provide responsible consumer credit to hard-working people. Using AI-powered models that draw on 15 years of proprietary customer insights and billions of unique data points, Oportun has granted over $9.8 billion in affordable credit, giving its customers of alternatives to payday and auto title loans. In recognition of its responsibly designed products that help consumers build their credit history, Oportun has been certified as a Community Development Financial Institution (CDFI) since 2009. The company recently applied for a national banking charter to expand its services and make its products available in all 50 states.



To get more information about Oportun Financial Corp and follow the latest company updates, you can visit the company profile page here: Oportun Financial Corp Profile. For more information on the financial markets, visit Equities News. Also, don’t forget to sign up for the Daily Fix to get the best stories delivered to your inbox 5 days a week.


Sources: Symbol Info Widget is provided by TradingView based on 15 minute delayed prices. All other item data is provided by IEX Cloud on 15 minute delayed pricing or EOD company information.

Stock price data is provided by IEX Cloud on a 15 minute delayed basis. Chart price data is provided by TradingView with a 15-minute time frame.

DISCLOSURE:
The views and opinions expressed in this article are those of the authors and do not represent the views of equity.com. Readers should not consider any statements made by the author as formal recommendations and should consult their financial advisor before making any investment decision. To read our full statement, go to: http://www.equities.com/disclaimer


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ACE Cash Express Launches New School of ACE Scholarship Program https://nkfan.net/ace-cash-express-launches-new-school-of-ace-scholarship-program/ Mon, 01 Aug 2022 16:46:24 +0000 https://nkfan.net/ace-cash-express-launches-new-school-of-ace-scholarship-program/ The scholarship program will provide financial support to students who plan to pursue a career in the financial sector. ACE Cash Express has a long history of offering a wide range of financial products and services, including short-term loans, card services, check cashing, money transfers, and more. The company has always been committed to helping […]]]>

The scholarship program will provide financial support to students who plan to pursue a career in the financial sector.

ACE Cash Express has a long history of offering a wide range of financial products and services, including short-term loans, card services, check cashing, money transfers, and more. The company has always been committed to helping people achieve their dreams of getting an education, and this scholarship program is just another example of their commitment to creating opportunities for people who want to have a impact on their community.

The scholarship program will award $50 per month for up to five years (up to $2,500 in total). The amount of the scholarship may be increased depending on the academic results of the candidate. Applicants must have at least a 2.5 GPA (or equivalent) to be considered.

To make this opportunity possible, the company has partnered with 1FirstCashAdvancea service that brings together hundreds of direct lenders on a single platform.

The new partnership will provide 1FirstCashAdvances customers with the ability to get cash loans quickly, regardless of their credit history. Customers can now apply for any loan amount and receive their funds within 24 hours. Additionally, they can access over 150 lenders and a variety of loan products including payday loans, installment loans, title loans, and more.

Their goal is to make it easy for all Americans to find the right loan product that meets their needs and budget. The goal is for every customer to get the money they need quickly and affordably through our partnership with 1FirstCashAdvance.

“We are excited about this partnership as it will allow us to offer more options to our customers,” said Leron Gubler, CEO of ACE Cash Express. “Thanks to this new relationship, we will be able to offer them a broader range of products and services to meet their financial needs.

Along with this scholarship, 1FirstCashAdvance has its program called Financial Champions Scholarship. It is designed to recognize and reward high school students who prove financial responsibility and plan to attend a two- or four-year college in the United States, Canada, or Puerto Rico. Students must be US citizens or permanent residents and have a GPA of 3.0 or higher to be eligible for this scholarship.

Students will be assessed on their academic performance, financial need, community service activities, leadership roles in organizations, and community involvement. The award is valued at $1,000 per year for up to four years of undergraduate study at a two- or four-year college.

Latoria Williams, CEO of 1FirstCashAdvance, is on a mission to educate those who have limited access to traditional financial resources about responsible lending. She shared her vision for making credit accessible to everyone. “We believe that every person deserves the opportunity to be able to build their credit,” she said. “If you don’t build your credit, it’s hard to get approved for anything in life.”

Williams believes that by giving people access to affordable loans, she can give them a boost and help them achieve their dreams.


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Swift Title Loans New Florida Locations https://nkfan.net/swift-title-loans-new-florida-locations/ Sat, 23 Jul 2022 07:02:52 +0000 https://nkfan.net/swift-title-loans-new-florida-locations/ LOS ANGELES, CA, July 23, 2022 /24-7PressRelease/ — At Swift Title Loans, we would like to advise our California customers that all branches in California have been closed. However, in Florida we have opened additional branches to better serve our customers. Whatever your urgent cash needs, we want to help! Feel free to visit any […]]]>

LOS ANGELES, CA, July 23, 2022 /24-7PressRelease/ — At Swift Title Loans, we would like to advise our California customers that all branches in California have been closed. However, in Florida we have opened additional branches to better serve our customers. Whatever your urgent cash needs, we want to help! Feel free to visit any of our Florida offices to complete your title loan application or to speak with our customer service agents.

Take advantage of full-service title lending products in Florida

If you need money fast, we’d be happy to help you with a Florida title loan. Although our California title lending offices are permanently closed, we are available in Florida to service your title lending requests. When you walk into one of our offices, you will meet a friendly and professional team of customer service agents who will be happy to guide you through the application process.

If you are in a difficult financial situation and you don’t know where to turn, come talk to us. After explaining the process of how title loans work, we can help you every step of the way. From filling out your easy loan application form to signing a loan agreement, we want you to understand how easy title loans can help you. Quickly get the money you need for any purpose.

Use of securities lending

Title loans simply use something of value that you own as collateral for a quick loan that you can use for any purpose. The reason they are fast is because you are securing your loan with a valuable asset. When comparing a title loan to an unsecured loan, they may be easier to obtain.

This is especially true for anyone who has a bad credit score. With a bad credit status, it can be very difficult, if not impossible, to get a bank or other financial institution to give you money. But this is not the case with title loans. Highlighting an asset, like a car, reduces risk for lenders and helps get approval fast, even with bad credit. When you get the money, you can use it as you see fit!

Win-win loan situation

Whatever money you need, you won’t lose anything by applying for a Florida title loan. Even though the California offices are permanently closed, there are many new locations in Florida to help you. By providing us with some basic details, you can get a quick response to your money request.

If you are approved and get a loan offer to sign, you are under no obligation. Read the terms of the offer and if you agree with them, sign it and we will prepare your money! There are no hidden fees or prepayment charges to worry about.

get your money

After signing the loan document in our offices, we will be happy to prepare your money. We will require you to submit your title before we collect your money. After that, you are good to go!

You can pick up the money at one of our offices in Florida or you can have a check mailed to you. If you prefer other options for getting the money, such as a direct transfer to your account, you can discuss this with one of our customer service team members.

Do not wait to contact us!

We are ready to serve you now! Come into our office and let us help you with money quickly and easily!

Let’s start now with your money!

At Swift Title Loans, we take our role in the lives of Florida residents seriously. We want to lend money fast when you need it, support your financial goals, and inspire you to keep on the right track. We want to help you with the money you need for whatever purpose, without putting obstacles in your way. Contact us the next time you want a quick loan.

Related link:
https://cartitleloansla.com


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BREAKING: GOP Senate candidate Ted Budd sided with payday lenders as he took their PAC donations https://nkfan.net/breaking-gop-senate-candidate-ted-budd-sided-with-payday-lenders-as-he-took-their-pac-donations/ Fri, 22 Jul 2022 17:36:47 +0000 https://nkfan.net/breaking-gop-senate-candidate-ted-budd-sided-with-payday-lenders-as-he-took-their-pac-donations/ A new report released today reveals that Ted Budd “repeatedly sided with payday lendersand in return they “repeatedly filled his campaign coffers.” Despite North Carolina’s ban on payday loans, Budd has always voted for legislation that supports predatory lenders and their “exploitation tactics.” In May 2017, Budd even received industry donations”a few days after a […]]]>

A new report released today reveals that Ted Budd “repeatedly sided with payday lendersand in return they “repeatedly filled his campaign coffers.” Despite North Carolina’s ban on payday loans, Budd has always voted for legislation that supports predatory lenders and their “exploitation tactics.” In May 2017, Budd even received industry donations”a few days after a key votethat would allow payday lenders to charge consumers higher interest rates.

Learn more about Budd’shistory of siding with his donors over his North Carolina voters.”

American Independent: GOP Senate candidate Ted Budd sided with payday lenders as he takes their PAC donations

  • North Carolina Republican Senate candidate Ted Budd has always sided predatory lenders and the payday loan industry, even though payday loans are banned in his state. The industry rewarded him with thousands of dollars in campaign contributions.
  • He has consistently supported lenders who prey on low-income people using abusive repayment terms and exploitative tactics, practices that have been illegal in North Carolina for more than 20 years.
  • In March 2018, Budd signed as co-sponsor of an effort to repeal a Consumer Financial Protection Bureau rule cracking down on paydays, car title and other high-cost loans.
  • In July 2020 and again in February 2021Budd introduced a “Freedom to Regulate Act” that would have placed limits on the actions of independent agencies, including the Consumer Financial Protection Bureau.
  • As Budd repeatedly sided with the payday lenders, payday lenders repeatedly filled his campaign coffers.
  • He received at least $2,500 of the Community Financial Services Association of America PAC, the political arm of the payday loan industry trade association.
  • Funding for Budd’s June 2022 campaign report noted thousands of dollars in PAC contributions from payday loan companies.
  • Some of the industry donations he received came days after a key vote.
  • On May 4, 2017, Budd vote to advance the Financial Choice Act of 2017 off the House Financial Services Committee. The package, which was primarily aimed at to move back the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Actincluded a section determining that the Consumer Financial Protection Bureau “cannot exercise any regulatory, enforcement, or other authority with respect to payday loans, vehicle title loans, or other similar loans.”
  • Several financial company executives donated to Budd that month, including at least one payday lender.
  • On May 31, he receives $1,000 from Scott Wisniewski, CEO of Western Shamrock Corporation, who offers payday advance loans and has been called “predatory lenderby the advocacy group Texans for Public Justice.

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Budgeting tips for new owners https://nkfan.net/budgeting-tips-for-new-owners/ Fri, 15 Jul 2022 07:00:00 +0000 https://nkfan.net/budgeting-tips-for-new-owners/ Additionally, no matter how new your home is, you will eventually encounter maintenance projects that exceed the typical 1-2% allowance of your budget. For example, large-scale roof repair is expensive, and partial or full roof replacement is even more expensive. Although you only need to re-roof every 20 to 30 years – or before you […]]]>

Additionally, no matter how new your home is, you will eventually encounter maintenance projects that exceed the typical 1-2% allowance of your budget. For example, large-scale roof repair is expensive, and partial or full roof replacement is even more expensive. Although you only need to re-roof every 20 to 30 years – or before you decide to sell – the project will be much easier if you’ve put some money aside for a while.

Catastrophic events

Unfortunately, you may also face events that you could not have foreseen. Home insurance will protect the structure of your home and your most expensive possessions, but it is not unlimited. Some homeowners don’t know what homeowners insurance will or will not cover. Here is a non-exhaustive list of what is or is not usually included in a typical policy.

Standard home insurance typically will be cover these:

  • Your main residence and any outbuildings on your property
  • Civil and medical liability
  • Damage caused by fire and smoke
  • Extreme weather conditions like thunderstorms, lightning and hail
  • Crimes such as theft and vandalism
  • Accidents such as falling trees

Standard home insurance will generally be not cover these:

  • Earthquakes and floods (although top-up cover is often available)
  • Damage caused by termites or other pests
  • Valuable jewelry or artwork (although top-up coverage is often available)
  • Damage caused by negligence, poor home maintenance or normal wear and tear

Additionally, most insurance policies have nuanced coverage options: liability, cash value or replacement, depreciation costs and more. That’s a lot of information to sort through, but it’s worth making sure your home is fully protected.


Revisiting savings and life insurance

Whenever you have a significant life event, it’s a good idea to review the state of your long-term finances, and buying a home is definitely considered one of those events.

Emergency fund

Unfortunately, the world recently received a stark reminder of the importance of emergency savings in the form of a global pandemic. Of course, it doesn’t take a global catastrophe to bring you or your family down — an injury or illness can change your financial situation just as quickly.

Experts recommend keeping an emergency fund with enough money to cover three to six months of necessary monthly expenses. It’s easier said than done, but make sure your emergency fund takes into account all of your new expenses as a homeowner.

Life insurance

Likewise, since your expenses may have increased, it’s also a good idea to consider whether you need to purchase a more robust life insurance policy. Especially if you have a family that depends on your income, it’s a good idea to price some different policies. You might consider looking at policies that only cover the house (i.e. your new assets) and compare them with policies that cover all of your assets together.

Retirement

Finally, carefully review your retirement plan to see if it will cover your new expenses. For example, if you plan to retire before you have paid off your mortgage, be sure to consider your monthly payments. There are several formulas that can help you figure out how much of your annual income you should be saving based on your age, but whichever one you use, the earlier you start, the better off you’ll be.

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