Music production – Ziad Rahbani http://ziad-rahbani.com/ Thu, 09 Jun 2022 18:13:42 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://ziad-rahbani.com/wp-content/uploads/2021/10/icon-1-120x120.png Music production – Ziad Rahbani http://ziad-rahbani.com/ 32 32 Credit Canada to Provide ‘Free, Confidential, Non-Judgment’ Debt Help in Sault Area https://ziad-rahbani.com/credit-canada-to-provide-free-confidential-non-judgment-debt-help-in-sault-area/ Thu, 09 Jun 2022 18:13:42 +0000 https://ziad-rahbani.com/credit-canada-to-provide-free-confidential-non-judgment-debt-help-in-sault-area/ Content of the article Interested in giving up debt? Content of the article Sault Ste. Marie (CCSSSM) joins the National Agency Credit Canada, the oldest not-for-profit credit counseling agency in the country. “We are thrilled to join the team,” CCSSSM executive director Greg Elsby said in a statement. “We have had a long and positive […]]]>

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Interested in giving up debt?

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Sault Ste. Marie (CCSSSM) joins the National Agency Credit Canada, the oldest not-for-profit credit counseling agency in the country.

“We are thrilled to join the team,” CCSSSM executive director Greg Elsby said in a statement. “We have had a long and positive partnership with Credit Canada and have chosen to work with them in the future.”

Credit Canada is “committed to providing exceptional service” to those with “too much” debt, said Bruce Sellery, CEO of Credit Canada.

“We are honored that the CCSSSM has chosen us to continue the work they have been doing since 1969,” he said.

“As a larger agency, we will be able to bring more educational resources and creditor relations to serve clients in the region, while working to ensure that the care, compassion and confidentiality for which the CCSSSM was known are maintained. .”

Consumers who carry a balance on their credit cards from month to month face higher interest charges and ultimately more debt.

“If they start to miss bill payments, they may receive collection calls, which lowers their credit score and makes it harder to get low-interest credit,” a statement read. of Credit Canada. “Those with low credit scores can rely on payday loans and other high-interest products to make ends meet, which only makes things worse.”

Credit Canada offers free credit counseling services through one-on-one telephone consultations with certified non-profit credit counsellors. During an initial appointment, a credit counselor reviews a client’s debt situation in order to offer various relief options.

Content of the article

This may include negotiating with creditors, using different payment methods, signing up for a debt consolidation program, or exploring alternative solutions, such as debt consolidation loans or insolvency.

“All credit counseling services are free, confidential and non-judgmental,” the statement said.

Tammy Drover leads Credit Canada’s client services staff in Sault Ste. Marie and the surrounding area.

“She knows the people and the real issues people are facing in the community,” Credit Canada said. “With rising gas, food and housing prices, more and more Canadians are having difficulty paying their bills, forcing some to rely more on credit.”

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Two in Five Buy Now, Pay Later Borrow Money to Pay Off Debt | Buy now, pay later https://ziad-rahbani.com/two-in-five-buy-now-pay-later-borrow-money-to-pay-off-debt-buy-now-pay-later/ Wed, 08 Jun 2022 05:01:00 +0000 https://ziad-rahbani.com/two-in-five-buy-now-pay-later-borrow-money-to-pay-off-debt-buy-now-pay-later/ More than two in five recent buyers who buy now, pay later (BNPL) have used credit cards or other forms of borrowing to pay off what they owed, the charity Citizens Advice says . He said the figures showed buyers were “piling borrowing on borrowing” and stressed the urgent need to regulate BNPL. On Monday, […]]]>

More than two in five recent buyers who buy now, pay later (BNPL) have used credit cards or other forms of borrowing to pay off what they owed, the charity Citizens Advice says .

He said the figures showed buyers were “piling borrowing on borrowing” and stressed the urgent need to regulate BNPL.

On Monday, Apple unveiled a BNPL feature for iPhones, which will initially launch in the US around September and could come to the UK a few months later.

BNPL allows buyers to stagger payments for goods without interest or charges – unless they fail to repay on time, in which case some companies charge late fees. Generally, the cost is divided into weekly, bi-weekly or monthly installments.

Two of the biggest BNPL companies operating in the UK are Klarna and Clearpay, and other big players include Laybuy and Zilch.

This form of credit has seen explosive growth during the coronavirus pandemic, especially among those under 30 and those with tight finances. However, the rate of growth is thought to have slowed in recent months as the cost of living crisis prompted people to cut back on non-essential spending.

A survey was conducted for Citizens Advice in March of 2,288 people in the UK who had used BNPL in the previous 12 months.

More than two in five respondents (42%) said they use some type of loan to fund their repayments, with credit cards being by far the most popular option. Others included overdrafts, borrowing from friends and family, personal loans and payday loans.

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Young buyers were the most likely to borrow to repay their BNPL purchases. The charity found that 51% of 18-34 year olds had borrowed money to pay off BNPL debts.

The government has said the BNPL is to be regulated by the Financial Conduct Authority, although this is unlikely to happen before the end of this year or in 2023. Citizens Advice wants this regulation to include affordability checks by all participating companies and clearer information when making online payments.

Millie Harris, debt counselor at Citizens Advice East Devon, said using credit cards and other types of borrowing for repayments “just relies on one debt to pay off another”.

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I am looking to use Buy Now Pay Later, will this affect my mortgage application? https://ziad-rahbani.com/i-am-looking-to-use-buy-now-pay-later-will-this-affect-my-mortgage-application/ Mon, 06 Jun 2022 06:00:53 +0000 https://ziad-rahbani.com/i-am-looking-to-use-buy-now-pay-later-will-this-affect-my-mortgage-application/ I’m considering using Buy Now Pay Later, but what exactly is it and will it affect my mortgage application when I buy a house later this year? QR Lenders need to make responsible decisions about whether borrowers can really afford a mortgage MailOnline property expert Myra Butterworth said: Borrowers who are financially overstretched can be […]]]>

I’m considering using Buy Now Pay Later, but what exactly is it and will it affect my mortgage application when I buy a house later this year? QR

Lenders need to make responsible decisions about whether borrowers can really afford a mortgage

MailOnline property expert Myra Butterworth said: Borrowers who are financially overstretched can be a red flag for lenders as they may not be able to repay their mortgage.

Extensive use of Buy Now Pay Later programs can signal to a lender that this is the case and that the borrower is struggling to manage their finances.

A lender must make a responsible decision about whether a borrower can really afford the mortgage before it is approved.

Although some forms of Buy Now, Pay Later borrowing still won’t show up on a borrower’s credit report and affect their credit score, lenders will still be able to see evidence of it on their bank statements, which could have an impact on mortgage demand.

Additionally, Klarna will begin reporting customer borrowings and late payments to credit reporting agencies from June 1.

Borrowers need to keep this in mind if they want to present the best financial version of themselves in order to secure their home loan and proceed with their home purchase.

Nicholas Mendes, of mortgage broker John Charcol, said: Buy Now Pay Later programs offer the ability to buy something on credit without having to pay until a later date.

This can be done through regular interest-free installments. Typically, this is done in three installments or after a 30-day interest-free period.

It is used as a payment method in some high street stores, but is more commonly used by catalogs and online retailers.

Their products may be aimed at young people and families who may not have other forms of unsecured borrowing facilities such as credit cards.

The most common Buy Now Pay Later providers are Klarna, Clearpay and Laybuy. These companies offer a range of payment options.

Buy Now Pay Later programs offer the ability to buy something on credit without having to pay until a later date

Buy Now Pay Later programs offer the ability to buy something on credit without having to pay until a later date

Impact on a mortgage application

As part of a mortgage loan application, lenders will collect certain information to decide whether the requested loan will be affordable.

For a decision in principle and a mortgage application, this usually includes personal details, income and expenses.

Lenders will also perform a credit search – soft or hard – which will pick up any commitments you have currently applied for.

Once this is complete, a lender will make a decision considering all the information.

How Buy Now, Pay Later commitments will affect a mortgage depends on several factors – the amount outstanding, how much you pay off each month, and when the arrangements will be paid off.

Habits such as continuous lending, overdrafts, buy-it-now, pay-later, and minimum credit card payments could make the lender feel too dependent on short-term credit.

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As a result, a reduced maximum loan amount could be provided, or a lender could refuse the request because they feel the risk is too great with the added expense that comes with owning a home.

Not all lenders allow you to grab Buy Now Pay Later loans on a principled decision, it is only at submission that it can become an issue once a thorough research is done.

You might have a decision in principle, but it’s only after an application has been submitted and a thorough search is done that all Buy Now Pay Later commitments are considered, resulting in a revised decision.

Lenders make a distinction between short term and long term. Buy now, pay later.

Buying a smaller item, like a £60 coat that you choose to defer payment for 30 days, interest-free, is unlikely to put your mortgage at risk, as it will be paid off when your loan is mortgage will be terminated.

But a more expensive item, like a £900 fridge divided into six payments, would be a debt pledge which will impact how much free cash you have each month and therefore need to be taken more seriously.

As with zero percent credit cards for at least 24 months, lenders could end up taking 1.5 percent of the balance as a monthly commitment. But no lender has yet set formal criteria for this.

Things to consider

Before considering buying a property or a new mortgage, think about your budget and track the amounts you need to repay.

Make sure all payments are made on time to avoid late payments appearing on your credit report and potential late fees charged by your Buy Now Pay Later provider.

While some Buy Now Pay Later options such as Klarna won’t show up on your credit report, others do.

The key thing to consider if you are going to apply for a mortgage, whether to buy property or remortgage your home, is that it is best to avoid using payment plans, payday loans or any other form of short-term loan. – term financing of at least six months in advance.

Also, make sure you clear all credit cards or pay off the amount owed as soon as possible, rather than just paying interest and the minimum payment.

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5 Best Online Payday Loans – Online Payday Loans Same Day Deposit & No Rejection Payday Loans Direct Lenders in 2022 https://ziad-rahbani.com/5-best-online-payday-loans-online-payday-loans-same-day-deposit-no-rejection-payday-loans-direct-lenders-in-2022/ Fri, 03 Jun 2022 06:26:00 +0000 https://ziad-rahbani.com/5-best-online-payday-loans-online-payday-loans-same-day-deposit-no-rejection-payday-loans-direct-lenders-in-2022/ Online payday loans are the solution to almost any type of financial lock-up. Whether you need money to redecorate the spare bedroom, buy an expensive birthday present, or pay for an expensive car repair, online payday loans can provide you with the cash you need. Many Americans have experienced the financial flexibility offered by online […]]]>


Online payday loans are the solution to almost any type of financial lock-up. Whether you need money to redecorate the spare bedroom, buy an expensive birthday present, or pay for an expensive car repair, online payday loans can provide you with the cash you need. Many Americans have experienced the financial flexibility offered by online payday loans, and if you’re looking for financial relief, you can too.

Loan search services such as Viva Payday Loans give borrowers quick access to lenders offering the best payday loans online. With so many online payday loan providers, it can be difficult to choose the right one. This article features the top five direct online payday loan seekers on the market, putting you in direct contact with lenders.

Best online payday loans 2022 – a quick overview

What are the best online payday loans? See our top 5 below:

  • Viva Payday Loans – Best payday loans for fast payments
  • Heart Paydays – Best for No Disclaimer Payday Loans, Direct Lenders Only
  • Credit Clock – Best Online Payday Loans With Fast Approval Process
  • Money Lender Squad – Best for $255 payday loans online same day
  • Very Merry Loans – Best online payday loans with same day deposit

Best General Eligibility Criteria for Online Payday Loans

Borrowers must meet the following criteria to obtain payday loans online.

  • Must be 18 years or older
  • Must hold US residency
  • Must earn a minimum of $1,000 per month
  • Must pass accessibility checks
  • Must have a US bank account

If you have bad credit, you can still apply for the best payday loans online through Viva Payday Loans if you meet the criteria above. While none of the loan finder sites do credit checks on your name directly, lenders offering financing might.

Five Best Online Payday Loans: Same Day Deposit for Bad Credit

1. Viva Payday Loans – Best Payday Loans for Fast Payments

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Viva Payday Loans is known for its fast turnaround time, providing access to lenders who offer the best payday loans online in the shortest possible time. To be a successful applicant, you must meet the above loan criteria and pass affordability checks. Once the loan is approved, the funds are disbursed to the borrower within an hour. Interest rates range from 5.99% to 35.99%, depending on the lender.

Advantages

  • Repayment terms from 2 to 24 months
  • Loan values ​​up to $5,000
  • Fast payments within 60 minutes of loan approval

The inconvenients

  • High interest rates up to 35.99%

Click here to request funds from Viva Payday Loans >

2. Heart Paydays – Best for No Disclaimer Payday Loans Only for Direct Lenders

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Borrowers with bad FICO scores or no credit history can apply for the best online payday loans for bad credit through the Heart Paydays portal and still stand a chance of getting the money they need if they are currently in an excellent financial situation. When using this loan finder service, borrowers are tempted to be matched with direct no-disclaimer lenders only who are most likely to view their financial situation favorably. Loan amounts range from $100 to $5,000 with APRs of 5.99% to 35.99% and 2 to 24 months to pay off.

Advantages

  • Simple eligibility requirements
  • Almost instantaneous request feedback in 2 minutes
  • Flexible repayment terms

The inconvenients

3. Credit Clock – Best Online Payday Loans for Fast Approval Process

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When the best online payday loans are needed in a hurry, time seems to fly without giving you a second to catch your breath. This is where Credit Clock comes to the rescue with lenders that offer fast approval processes and even faster payments.

Credit Clock connects borrowers and lenders with the click of a button. Lenders through Credit Clock offer borrowers affordable loan amounts from $100 to $5,000 for 2 to 24 months. Interest rates range from 5.99% to 35.99%, which may seem high but may be worth the convenience, fast loan approvals and quick repayments. Check if you meet the loan criteria above and apply today!

Advantages

  • Fast payments
  • The easy online application process
  • Affordable Loans

The inconvenients

  • Interest rate up to 35.99%

4. Money Lender Squad – Best for $255 Same Day Online Payday Loans

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Money Lender Squad gives borrowers direct access to lenders without the usual hassle of traditional financial institutions. Their loan finder service helps borrowers apply for the best direct online payday loans online with a single application.

The process is simple and requires borrowers to enter their details, choose their loan amount and repayment period, and the best payday loans online appear in minutes. Online payday loans through lenders on the Money Lender Squad portal range from $100 to $5,000 with APRs of 5.99% to 35.99% and 2 to 24 months to pay off!

Advantages

  • The fast online application process
  • Offers $255 payday loans online and same day deposit
  • Loan amounts up to $5,000

The inconvenients

  • Not all requests are guaranteed to be approved

5. Very Merry Loans – Best Online Payday Loans with Same Day Deposit

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If you don’t need a large loan, the best online payday loans are available through the Very Merry Loans portal lenders. Loan amounts are kept small to keep them affordable, and APRs typically range from 5.99% to 35.99%. Additionally, lenders on the Very Merry Loans platform are known to pay on the same day as loan approval, giving borrowers access to seemingly instant cash. If you meet the general loan criteria mentioned above, you can easily apply for some of the best payday loans online through lenders on the Very Merry Loans platform.

Advantages

  • Same day payments
  • Flexible loan terms
  • Quick online application in 2 minutes

The inconvenients

  • Loan amounts capped at $2,000

Best Online Payday Loans Same Day Features and Considerations

Credit checks

Most online payday loans through US-based lenders are subject to credit checking by law. No credit check, instant approval. However, if you have a bad FICO score but your financial situation has improved, you can still apply online for the best payday loans.

Affordability

Affordability is key when applying for the best payday loans online. When processing your application, lenders will do an affordability check, such as comparing your bank account to expenses and pay stubs.

Penalties

Your loan agreement will specify the penalties and fees associated with your loans. Therefore, it is best to familiarize yourself with the terms of the loan agreement to avoid paying early or late repayment fees.

Conclusion

Online payday loans are an excellent form of financing for those who need funds quickly. They give you the flexibility you need between now and your next payday if you find yourself in a difficult financial situation.

FAQs

What are the best and easiest payday loans to get same day?

Online payday loans are fast, simple and convenient. First, borrowers complete a simple online application that connects them to a panel of lenders. From there, lenders assess the borrower’s affordability and, if they can afford the loan, funds are usually disbursed the same day.

What is the highest payday loan to get?

Online payday lenders offer loans between $100 and $5,000. Depending on the lender, APRs can range from 5.99% to 35.99% with the providers mentioned above. However, most lenders offer flexible repayment terms of 2-12 months or 2-24 months.

What are the best online payday loans?

Borrowers asking about the best payday loans online can use a range of loan search platforms such as Viva Payday Loans to find the best loan for them. Loan finder services simultaneously connect the borrower to a wide range of lenders. This means they are more likely to get a loan because multiple lenders have assessed their applications.

Disclaimer – The above content is not editorial, and Economic Times hereby disclaims all warranties, express or implied, in connection therewith, and does not necessarily warrant, guarantee or endorse any content. The loan websites reviewed are loan matching services, not direct lenders. Therefore, they are not directly involved in the acceptance of your loan application. Applying for a loan with the websites does not guarantee acceptance of a loan. This article does not provide financial advice. Please seek the assistance of a financial advisor if you need financial assistance. Loans available only to US residents.

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Government’s drive to verify CERB payments is intensifying – many said to return some or all of the funds received https://ziad-rahbani.com/governments-drive-to-verify-cerb-payments-is-intensifying-many-said-to-return-some-or-all-of-the-funds-received/ Wed, 01 Jun 2022 10:32:06 +0000 https://ziad-rahbani.com/governments-drive-to-verify-cerb-payments-is-intensifying-many-said-to-return-some-or-all-of-the-funds-received/ The government has started verifying the payments it sent to nearly nine million Canadians through the Canadian Emergency Response Program (CERB) – and many of those recipients are being told they owe repay some or all of the money they received. Some have to return the money received under the program because they were not […]]]>

The government has started verifying the payments it sent to nearly nine million Canadians through the Canadian Emergency Response Program (CERB) – and many of those recipients are being told they owe repay some or all of the money they received.

Some have to return the money received under the program because they were not eligible for the amount received and others because they received an advance payment that was never reconciled. Advocates are calling on the government to cancel these debts, which they say will be debilitating for many low-income workers.

A Canada Revenue Agency statement published on May 10 said the agency had begun sending notices of redetermination (NoR) to Canadians who were found to be ineligible for some or all of the CERB they received.

It is not yet known how many people will receive these notices. According to Employment and Social Development Canada (ESDC), verification work will continue over the next four years as new data such as income tax returns and records of employment become available.

This is in addition to the Notices of Debt (NoD) that ESDC began sending in November 2021 to Canadians who received an accelerated advance payment of $2,000 at the start of CERB, which was to be applied to a later period. Anyone who hasn’t stayed on CERB long enough to reconcile this advance payment will receive one of these letters, according to the CRA, with the last ones sent in July – about 1.7 million people in total.

Barry Marsh, a member of the Etobicoke chapter of the advocacy group ACORN, said he heard from a number of community members who had received reimbursement letters from CERB and did not have the money to conform.

At the start of the pandemic, there was a lot of confusion about CERB applications and eligibility, Marsh said. Some people may have received more than they were entitled to without realizing it, he said, but that money has long been gone, used to pay rent or other necessities.

Now, even $2,000 in debt is enough to entice some low-income people to use payday loans, and could cost some the roof over their heads, Marsh said.

“People on low incomes are really struggling,” he said.

With inflation at record highs, Marsh thinks the government should treat CERB overpayments like a subsidy. He said the majority of those facing reimbursement did not apply to CERB with the intention of abusing the system.

According to the agency, anyone who is told they were ineligible for all or part of their CERB and who thinks this is untrue should contact the CRA to validate their claim.

“The government has been clear throughout the pandemic that while there will be no penalties for those who have applied for these benefits in good faith, individuals will be required to repay any benefit payments they have received and to which they weren’t entitled,” the spokesperson said in an email. .

The agency may offer flexible or deferred payment options for those who cannot pay upfront, depending on a CRA Tax Advice Station published on May 11.

These notices “mark a transition in (the CRA’s) compliance and collection activities,” the CRA spokesperson said, and are part of a “wider compliance effort” for individual benefits. related to COVID-19.

Deena Ladd, executive director of the Workers’ Action Center, agreed with Marsh that the government should forgive CERB overpayments. Many workers continue to struggle with low wages, precarious work and debt, she said.

“Receiving this notice in the mail is probably an incredibly devastating blow,” Ladd said.

The early days of the pandemic were a confusing time for many, she said. The government did the right thing by rushing the payments, but as a result some mistakes were made — by the candidates, but also by the government, Ladd said.

For example, self-employed CERB recipients were told they would have to repay thousands of dollars after the government released inconsistent eligibility information. Later he admitted the mistake and forgave those debts.

The government’s 2020 Fall Economic Statement pledged $260 million over four years starting in 2021 to help ESDC and the CRA detect and address cases of misrepresentation, abuse, or fraud related to CERB.

Alex Thoms was out of work for about four weeks at the start of COVID-19, due to a temporary layoff from his retail job. Like many Canadians at the time, he didn’t know how to apply for financial assistance and applied for both CERB and Employment Insurance (EI).

When he received both, he realized his mistake and set aside the EI funds so he could pay them back on demand. He used the $2,000 he received in CERB funds — $500 for each week he was away. And when he received notice of his 2021 EI overpayment, he returned the funds he had set aside.

But this year, during tax season, Thoms received one of 1.7 million notices saying he owed the government $2,000 for the prepayment. He checked his bank account history to make sure he hadn’t received an extra $2,000 in CERB — he hadn’t — then called the CRA. But despite his explanations, he said the officer told him he had to pay.

“I was away for four weeks, got $2,000,” he said.

Thoms is certain there was a mistake, but is putting money aside in case the appeal he sent in April doesn’t work.

Steve Wilder, who was an apprentice electrician when COVID-19 hit, said he only received one CERB payment of $2,000 despite being off work for a few weeks at the start of the pandemic . So he was shocked to recently receive a letter saying the $2,000 was an advance that he had to repay.

Wilder, who is set to move, said repayment would be difficult in the short term. He still doesn’t know how much he was actually eligible for – it’s been over two years so he had assumed that if he wasn’t eligible the government would have told him much sooner.

At the time, money was a relief, he says. Now that is cause for concern.

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3 Houston innovators to know about this week https://ziad-rahbani.com/3-houston-innovators-to-know-about-this-week/ Mon, 30 May 2022 15:13:37 +0000 https://ziad-rahbani.com/3-houston-innovators-to-know-about-this-week/ Kelly Avant hasn’t really charted a linear career path. After majoring in gender studies, volunteering with the Peace Corps, and even attending law school, she identified a way to make a bigger impact: venture capital. “VC is a great way to shape the future in a more positive way, because you can literally wire money […]]]>

Kelly Avant hasn’t really charted a linear career path. After majoring in gender studies, volunteering with the Peace Corps, and even attending law school, she identified a way to make a bigger impact: venture capital.

“VC is a great way to shape the future in a more positive way, because you can literally wire money to the most innovative thinkers, who are building solutions to the world’s problems,” Avant told InnovationMap.

Avant joined the Mercury Fund team last year as an MBA associate before joining full-time as an investment associate. Now, having completed her MBA from Rice University this month, Avant tells InnovationMap why she’s excited about this new career in Q&A investing.

InnovationMap: From law school and the Peace Corps, what inspired you to start a career in the venture capital world?

Kelly Before: I got an MBA from Rice University, started looking for an investment company in my freshman year, and the summer after my freshman year, I was basically working a full-time internship at Mercury . But I love telling people about my undergraduate degree in gender studies and rhetoric from a small ski college in Colorado. If you come across anyone else in venture capital with a degree in gender studies, please get in touch, but I think I might be the only one. I’ll spare you what I thought – and said – of business students, but I’ve really come full circle.

I always thought I would work in a non-profit space, but after serving in Cambodia with the Peace Corps, working for the National Domestic Violence Hotline, and briefly attending Emory Law School with the intention of becoming a lawyer for civil rights. I found this time and again the root of the problem was a lack of resources. The world’s problems were not going to be solved with my idealism alone.

The problem with operating as a nonprofit in capitalism is that you always pander to donor interests. The NFL was a key sponsor of the National Domestic Violence Hotline. The United States has a complicated relationship, to put it lightly, with Cambodia and Vietnam. It became quite clear that the donor/nonprofit relationship often put the wrong party in charge. I was, and still am, very interested in alternative funding for nonprofits. I became convinced that the most exciting companies build solutions to the world’s problems while making a profit, which allows them to survive to have a lasting positive impact.

VC is a great way to shape the future in a more positive way because you can literally wire money to the most innovative thinkers, who are crafting solutions to the world’s problems.

IM: What companies are you passionate about?

KA: There are some super interesting founders that I have come into direct contact with. To name a few: CiviTech, DonateStock and Polco.

I am very proud to work on mercury investments like Houston’s Topl, which has built an extremely lightweight and energy-efficient Blockchain that tracks ethical supply chains from the initial interaction.
I’m also excited about Mercury’s investment in Zirtue, which enables relationship-based peer-to-peer lending to address the massive problem of predatory payday lending.

We have so many awesome founders in our portfolio. The best part of working in VC is meeting passionate innovators every day. I’m excited to go to work every day and help them create better solutions.

IM: Why are you so passionate about diversity and inclusion at Mercury?

KA: I love working with exciting, highly skilled and super smart people. This category includes so many people who have historically been excluded. As a member of Mercury’s investment team, I have a voice, and I have an obligation to use that voice to praise the best people in the Halls of Influence.

IM: With your new role, what are you focusing on the most?

KA: In my new role, I identify and research high potential investments. We are building an educational series on Mercury to lift the veil on VC. We want to facilitate a series that gives all founders the foundational skills to successfully complete venture capital due diligence and have the ability to build the next innovative companies. My goal is ultimately to produce the best possible returns for our investors, and we can’t achieve that goal unless we develop resources to meet the best founders and help them grow.

——

This conversation has been edited for brevity and clarity.

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AMD Investors Should Be Excited About These 3 Things https://ziad-rahbani.com/amd-investors-should-be-excited-about-these-3-things/ Sat, 28 May 2022 14:00:00 +0000 https://ziad-rahbani.com/amd-investors-should-be-excited-about-these-3-things/ Today’s video is about Advanced micro-systems (NASDAQ: AMD) and three recent announcements investors should watch. The first is the finalization of the acquisition of Pensando. The second is that Microsoft (NASDAQ: MSFT) is the first cloud provider to publicly adopt the MI200, AMD’s newest server GPU. The third concerns Google (NASDAQ:GOOGL) (NASDAQ:GOOG) increasing its adoption […]]]>

Today’s video is about Advanced micro-systems (NASDAQ: AMD) and three recent announcements investors should watch. The first is the finalization of the acquisition of Pensando. The second is that Microsoft (NASDAQ: MSFT) is the first cloud provider to publicly adopt the MI200, AMD’s newest server GPU. The third concerns Google (NASDAQ:GOOGL) (NASDAQ:GOOG) increasing its adoption of AMD’s Epyc processor.

*The stock prices used were market prices on May 27, 2022. The video was posted on May 27, 2022.

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Spring Finance raises the second charge and releases an interest-only BTL product https://ziad-rahbani.com/spring-finance-raises-the-second-charge-and-releases-an-interest-only-btl-product/ Thu, 26 May 2022 13:53:25 +0000 https://ziad-rahbani.com/spring-finance-raises-the-second-charge-and-releases-an-interest-only-btl-product/ Specialist lender Spring Finance has relaunched its second mortgage proposal and launched an interest-only buy-to-let (BTL) product. The lender released its “prestige range”, to complement its existing products, focused on mid-prime borrowers. Prestige product rates start from 60% loan-to-value (LTV) and go up to 80% LTV, available on three and five year fixed […]]]>

Specialist lender Spring Finance has relaunched its second mortgage proposal and launched an interest-only buy-to-let (BTL) product.

The lender released its “prestige range”, to complement its existing products, focused on mid-prime borrowers.

Prestige product rates start from 60% loan-to-value (LTV) and go up to 80% LTV, available on three and five year fixed rates.

Rates start at 7.65% for one demerit and 8.05% for two demerits.

Demerits include things like missed payments, county court judgments and defaults, unsecured credit, and payday loans.

Second BTL load

The second BTL charge is for homeowners who want to benefit from the equity in their property, and all come with an interest-only option up to 75% LTV.

It varies from 60 to 75% LTV with rates without demerit from 8.25% and 8.55% for a demerit.

Graeme Wade (photo)Sales Manager for Secured Loans at Spring Finance, said the second fee market is increasing month by month and processing times are at the “front line of service levels.”

He added that the lender had made several “positive improvements” to its underwriting system, including its demerit-based points system.

“These changes will significantly reduce the time it takes to complete each loan. Our goal has always been to improve the product offering to our introducers and this new product launch does just that,” he said.

Andrew Bloom, owner of Spring Finance, said: “Spring has a reputation for providing an excellent product offering to applicants from different backgrounds. These new products, supported by the simplification of our underwriting process, will further increase the value we can add to our brokers.

“This product relaunch, along with our recently launched transition proposal, demonstrates our continued commitment to the specialty finance market.”

Spring Finance was launched in 2011 as a long-term second lien lender, then entered the bridge and development finance market earlier this year to offer first and second lien loans on a regulated and unregulated basis. .

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Florida Digital Lending Market Grows Geriatric Population to Drive 2031 Growth – Carbon Valley Farmer and Miner https://ziad-rahbani.com/florida-digital-lending-market-grows-geriatric-population-to-drive-2031-growth-carbon-valley-farmer-and-miner/ Tue, 24 May 2022 18:42:16 +0000 https://ziad-rahbani.com/florida-digital-lending-market-grows-geriatric-population-to-drive-2031-growth-carbon-valley-farmer-and-miner/ According to the Market Statsville Group (MSG), the Florida Digital Lending Market it is estimated that the size goes from $5.2 billion in 2021 for $18.1 billion by 2030to CAGR of 16.9% from 2022 to 2030. Consistent credit approval process, secure and privacy features, less time-consuming and instant decision-making options are some of the major […]]]>

According to the Market Statsville Group (MSG), the Florida Digital Lending Market it is estimated that the size goes from $5.2 billion in 2021 for $18.1 billion by 2030to CAGR of 16.9% from 2022 to 2030. Consistent credit approval process, secure and privacy features, less time-consuming and instant decision-making options are some of the major advantages of digital lending solutions and services in the market. Many lenders determine a borrower’s creditworthiness based on scores from the Fair Isaac Corporation (FICO) in Florida. Also, FICO scores have different names at each of the three major US credit reporting companies, namely Experian, Equifax, and TransUnion.

Get a sample full PDF copy of the report:https://www.marketstatsville.com/request-sample/florida-digital-lending-market

In Florida, customers are increasingly requesting short-term and long-term loans for their personal and business needs. Additionally, a massive increase in internet usage among individuals and easier access to loans from lending companies are driving the growth of government digital lending solutions. However, lending institutions charge a high rate of interest for various loan amounts, which is the main factor hindering the growth of the market.

Digital Lending Market Definition

Digital lending involves offering loans online and allows borrowers to apply for loans using laptops or smartphones over the internet. With many advantages over the traditional lending process, individuals and businesses are opting for digital lending services.

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Florida Digital Lending Market Dynamics

Drivers: Rise in Need and Adoption of Digital Lending Solutions in the State

In Florida, consumers are increasingly asking for short-term and long-term loans for their personal and business needs. Additionally, the massive increase in internet usage among individuals and easier access to loans available through online applications are driving the growth of digital lending solutions in the state. Moreover, digital lending services allow consumers to change their lifestyle and standard of living by helping them financially. Also, an increase in government initiatives for digital lending and an increase in the number of consumers taking out loans from digital lenders to establish their own business and increase their standard of living, which is propelling the growth of the market.

Constraints: High interest on small amounts and shorter repayment term provided by lenders

Lending institutions charge a high rate of interest for different loan amounts, which is the main factor hindering the growth of the market. Also, loan companies mainly focus on increasing their revenue due to which their repayment term is short for sanctioned loan amount. In addition, credit institutions borrow large sums of money from various banks and other institutes. Interest rates charged on loan amounts are generally high, which limits the growth of the digital loan market in Florida.

Florida Digital Lending Market Segmentation

The study categorizes the digital loan market based on loan type, provider type, loan amount, and end users..

Outlook by loan type (Sales/Revenue, USD millions, 20172030)

By type of Outlook provider (Sales/Revenue, USD millions, 20172030)

  • Banks
  • credit unions
  • FinTech Institutions
  • Others

Outlook by Loan Amount (Sales/Revenue, USD millions, 20172030)

  • Less than $500
  • $500 to $4,999
  • $5,000 to $10,000
  • Over 10,000

From end-user perspectives (Sales/Revenue, USD millions, 20172030)

  • People
  • Contractors
  • SME

The personal loan segment expected to account for the largest market share, by loan type

On the basis of loan type, the Florida digital loan market is segmented into payday loans, personal loans, and SME loans.. In 2021, the personal loan segment accounted for the largest market share of 50.1% in the Florida digital loan market. A personal loan is a lump sum of money that an individual borrows from a bank, credit union, online lender, financial institution, and others.

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Personal loans allow users to make smarter financial decisions by highlighting spending trends, helping manage debt repayment, and tracking financial goals. Additionally, individuals are resorting to personal loans to easily manage emergency financial crises, enabling effective planning and management of monetary cash inflows and outflows, thus driving the adoption of digital lending services in this segment. Additionally, following the COVID-19 pandemic, in May 2020, a study conducted by TransUnion, an American consumer credit reporting agency, reported that Florida had 10.35%, which is the highest percentage of personal loans compared to Colorado and New York States.

Key Market Players in Florida Digital Lending Market

The main competitors in the digital loan market in Florida are:

These players have adopted various strategies to gain higher shares or maintain leading positions in the market. Product launch, agreement and partnership are the strategies most adopted by these players. The best winning strategies are analyzed by performing an in-depth study of the key players in the Florida Digital Loans market. A comprehensive analysis of recent developments and growth charts of various companies helps in understanding the growth strategies adopted by them and their potential effect on the market.

Report Description Request @https://www.marketstatsville.com/florida-digital-lending-market

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Citrus North explained the different types of loans offered by Canada https://ziad-rahbani.com/citrus-north-explained-the-different-types-of-loans-offered-by-canada/ Mon, 23 May 2022 07:19:04 +0000 https://ziad-rahbani.com/citrus-north-explained-the-different-types-of-loans-offered-by-canada/ The subject of interest rates can be an extremely difficult subject to grasp, especially for people unfamiliar with the regulations and rules that govern lending in Canada. Understanding the concept of interest rates is not something you can master on your own. Here is a brief description of the different types of loans. 1. Payday […]]]>

The subject of interest rates can be an extremely difficult subject to grasp, especially for people unfamiliar with the regulations and rules that govern lending in Canada. Understanding the concept of interest rates is not something you can master on your own. Here is a brief description of the different types of loans.

1. Payday Loans

The payday loan can be between two weeks and two weeks to a month. You can withdraw up to $1,500, but the balance owing is due when your next paycheck is due, so you’ll need to pay on time. In the event that a loan to pay a breakdown cannot be repaid, the borrower has the option of taking out another one or placing it in overdraft on his account until his next payday.

If you are looking for particular areas, you can search for “payday loans in Kamloops” and review the regulations that apply to the specific area. These loans are characterized by high interest rates, usually around $25 per $100 borrowed.

There are, however, cheaper options to use. Some loans offer reduced interest rates when you make a direct deposit or a pre-authorized transfer to the credit card. Payday loan companies that offer the service online, such as CitrusNorth: Instant Approval.

2. Line of credit loans

Unsecured line of credit also called credit loan is a form of overdraft that can be used to pay specific fees. For example, in the event that, for example, you are traveling and have additional expenses associated with your travel plans, they can be paid for through lines of credit or lines of credit.

This is also known as credit loans. The procedure is simple. You can withdraw the amount you want and pay interest until the credit is fully repaid.

If you are looking to get more money, it is possible. There is no limit to the amount you can spend. However, there are some limitations. Some people are not eligible to receive these loans because they are credit loans.

If the credit score is not excellent, chances are you will be refused. Lines of credit are generally not as expensive as payday loans, but they are still dependent on credit rating.

3. Student loans

If you have just graduated or, in certain circumstances, are attending a college, university or university, student loans may be the right choice to consider. They differ from other types of loans in that, instead of requiring collateral for a loan, applicants are required to prove that they are currently enrolled in the institution or have completed a course in the institution. ‘establishment.

They allow you to withdraw the amount you need based on your financial situation and the tuition fees you are currently paying. Also, there are no fees as they do not rely on any type of credit score as a method of determination.

Many students do not realize the obligation to repay loans immediately with withdrawals from their accounts or through the financial aid office of the university or college they attend and paying for the service of financial aid.

4. Citizenship Loans

Citizenship loans are available to people who have recently obtained recognition of their citizenship in Canada. This type of loan is generally offered to people who need cash to settle their file or to cover travel expenses.

It’s usually small amounts of money that have a return. There are no fees as this is a short term loan and you will need to pay it back quickly. It could take just a week for the loan to be credited to your credit card, assuming everything goes as planned.

To qualify for the loan, you are not required to demonstrate that you have a good credit history, but in certain situations when it is your first time applying for the loan after being approved for the loan, they will look at the details of your credit report.

5. Unsecured Loans

Loans that are unsecured do not require collateral and are generally given to those who are able to show a good credit history and low interest rates. People eligible to receive these types of loans are usually those who need funds to cover unexpected expenses or to pay for a longer period.

For example, you may qualify for an unsecured loan if you need money to renovate your home or pay for an essential procedure.

What you are eligible to receive generally depends on the conditions of your work and your income. However, there are other types of credit that are secured, such as movable mortgages, which allow you to obtain more than traditional loans, since they offer a certain proportion in the loan amount in the event that the security is used due to inability to pay.

6. Secured Loans

Secured loans are generally granted to those who have a bad credit history. Because these are people who have bad credit, these loans usually have a higher interest rate, which means you will have to pay higher interest rates for the loan.

Due to higher interest rates and poor credit ratings, this type of credit is usually secured by collateral. That’s why you can get up to $25,000, depending on the type of warranty you decide to test.

If you are seeking a secured loan, you must be at least 18 years old, but there is no age limit if you can prove that you are able to meet the financial obligation. The type of loan must be repaid within a specific time frame, as specified by your lender.

What are the benefits of loans?

They are vital for many reasons. They allow you to achieve your goal of having your own home, even if you are unable to put enough money into your account. Another reason for loans is that they allow those with bad credit to still get money and can possibly help improve their credit situation.

You can obtain credit that is unprotected and not subject to a higher interest rate. Another reason for the need for loans could be that they allow businesses to grow and grow as most businesses need money to start their business or to increase the scale of their business.

Torben A. Carlsen of Citrus North asserts that loans are an effective instrument that can be used in a variety of ways. The other benefit of loans is the fact that they help individuals become financially self-sufficient by helping them start their own business or buy a house or cover medical expenses that might not be feasible otherwise.

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