Web marketing – Raveweb http://raveweb.net/ Wed, 29 Jun 2022 17:19:12 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://raveweb.net/wp-content/uploads/2021/10/icon-35-120x120.png Web marketing – Raveweb http://raveweb.net/ 32 32 Why releasing a HELOC could be dangerous this year https://raveweb.net/why-releasing-a-heloc-could-be-dangerous-this-year/ Wed, 29 Jun 2022 10:00:29 +0000 https://raveweb.net/why-releasing-a-heloc-could-be-dangerous-this-year/ Image source: Getty Images You might want to take another path. Key points HELOCs are known for their flexibility and it can be quite easy to qualify. Despite these benefits, you’ll need to be careful if you’re considering taking out a short-term HELOC. These days, homeowners across the United States are sitting on a lot […]]]>

Image source: Getty Images

You might want to take another path.


Key points

  • HELOCs are known for their flexibility and it can be quite easy to qualify.
  • Despite these benefits, you’ll need to be careful if you’re considering taking out a short-term HELOC.

These days, homeowners across the United States are sitting on a lot of equity. Indeed, home values ​​have increased significantly over the past year, giving homeowners the opportunity to borrow against their homes.

If you need cash, you might consider getting a home equity line of credit, or HELOC. And there are benefits to going this route.

With a HELOC, you are not limited to a single lump sum that you can borrow. Instead, you have access to a line of credit that you can draw on as needed over a long period of time, sometimes up to 10 years.

Plus, HELOCs are pretty easy to qualify because they’re secured by the equity in your home. When you take out an unsecured loan, such as a personal loan, your lender can really only rely on your credit score and your history to determine whether to lend you money.

But while HELOCs certainly have their advantages, there is one major downside to taking out a HELOC. And that might come back to haunt you this particular year.

Rising rates mean trouble for HELOCs

While HELOCs can offer great flexibility, one thing they don’t usually offer is fixed interest rates on the amount you borrow. On the contrary, HELOC interest tends to be variable, which can cause your monthly payments to vary over time.

If your payments increase a lot, they might become difficult to track. And if you fall behind on your HELOC payments, you risk consequences such as damage to your credit score and the possibility of losing your home.

Meanwhile, the Federal Reserve is pushing ahead with a series of planned interest rate hikes in an effort to slow the rate of inflation. And that could make any type of variable interest rate loan or line of credit more expensive in the months ahead.

This is why you really need to proceed with caution when purchasing a HELOC. You might like the idea of ​​being able to tap into a line of credit at different times, whereas with home equity or a personal loan, you borrow a lump sum. But because interest rates are likely to keep rising, taking out a HELOC could mean facing very expensive payments down the line.

A better way to borrow now

If you need to borrow money, it could be very beneficial to lock in a fixed interest rate loan. If your credit score is in good shape, a personal loan might be a good choice. But if your credit score isn’t the best, a home equity loan might result in a lower interest rate because your lender might overlook less-than-stellar credit (at least to some extent) if you have a lot of equity in your property.

Of course, no matter which borrowing route you take, it’s a good idea to keep this amount to a minimum. And that’s another danger of HELOCs. While they offer flexibility, it can be tempting to leverage a HELOC if that line of credit is there. But the ease with which you have access to this money could lead you to borrow for the wrong reasons. And so, between that and the potential for higher interest rates, it could really be beneficial to avoid a short-term HELOC.

The Ascent’s Best Personal Loans for 2022

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‘Stamp Guy’ found guilty of defrauding Canada Post of $235,000 https://raveweb.net/stamp-guy-found-guilty-of-defrauding-canada-post-of-235000/ Sat, 25 Jun 2022 14:09:52 +0000 https://raveweb.net/stamp-guy-found-guilty-of-defrauding-canada-post-of-235000/ Breadcrumb Links New Canada Post trade analysts started calling him ‘the stamp guy’ (Postmedia Network) Content of the article Canada Post trade analysts started calling him “the stamp guy.” Advertisement 2 This ad has not loaded yet, but your article continues below. Content of the article For at least three years, Allan Fischer, 59, created […]]]>

Canada Post trade analysts started calling him ‘the stamp guy’

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Canada Post trade analysts started calling him “the stamp guy.”

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For at least three years, Allan Fischer, 59, created fake business accounts with fake phone numbers, addresses and emails across Canada for bulk mail with the Postal Service.

He first telephoned Canada Post to obtain a request for bulk mail services by fax. The application would be completed and returned, typically requesting urgent status, allowing the bogus business to order up to $7,500 worth of products on credit without a credit check.

Once Fischer had a new account, he gave up all bulk mail service and simply ordered stamps and prepaid products to be shipped to various UPS stores where he had mailboxes in southwestern Ontario.

And he would never pay the bills.

On Friday, Fischer was found guilty of fraud and possession of property criminally valued at more than $5,000 for what Superior Court Judge Spencer Nicholson called an “elaborate and sophisticated scheme.”

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Between 2013 and 2016, using 48 fake business addresses, Fischer defrauded Canada Post of $234,763.31 in stamps and other products. He was selling the stamps at a discount to various customers, some of whom found him online through kijiji advertisements.

Fischer’s scheme was so elaborate that the judge said he could come to “no other conclusion that his act was intentional and for the purpose of obtaining Canada Post products without paying for them.”

The scheme had many layers. Fischer rented mailboxes throughout Southwestern Ontario in London, St. Thomas, Tillsonburg, Woodstock, Cambridge, Chatham and Waterloo and had Canada Post products delivered there for bogus businesses in Ontario, Manitoba , Saskatchewan, Alberta, British Columbia and Nova Scotia.

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Canada Post became suspicious when it began reviewing 50-60 unpaid business accounts, all for unpaid stamp products, and was unable to contact customers at the listed phone number.

Google searches would be empty and the businesses and businesses did not exist or the address listed did not match.

A Canada Post inspector began examining 30 of the accounts in May 2016. One of the addresses was at the Executive Center in downtown London, where the inspector was able to get Fischer’s name and see him picking up parcels In his car.

The last 11 orders for businesses nationwide have been shipped to this address.

The Royal Canadian Mounted Police were called to review spreadsheets of activities mapped by Canada Post. They also had nine audio recordings of someone with a similar voice calling Canada Post to open new business accounts using different names and addresses and then ordering the stamps.

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Similar answers to selected security questions were also suspicious on apps. Many times the brand of the first car was Datsun, the name of the first girlfriend was Connie, the favorite concert was Blue Rodeo and the favorite book was Think and Grow Rich.

At least three times the same phone number has been used for fake businesses in Regina, Barrie and Winnipeg,

During his trial earlier this year, where Fischer represented himself without an attorney, Nicholson heard from customers who would buy stamps at a 30% discount – and sometimes still in debt – and from employees who were questioned at cafes. Tim Hortons to be short-term office help or web designers to add legitimacy to its business dealings.

Also testifying were members of a non-profit group who unknowingly appeared on an Executive Center mailbox for Canada Post deliveries.

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Eventually, the RCMP seized Fischer’s computers and electronic devices and found Canada Post applications and other documents. There was evidence of 48 fake accounts.

Fischer’s defense was that he ran a legitimate centralized business, “doing the work of many” for clients across the country.

“I reject these claims. I discovered that the companies involved either did not exist or were created by Mr. Fischer,” Nicholson said.

“It makes no sense that a company located in Abbotsford, BC, or Calgary, Alberta, (have) more convenience in having their product shipped to Chatham.”

He agreed with Assistant Crown Attorney Adam Campbell that if Fischer did business with the companies “there would be emails between Mr. Fischer and his company and those entities found on his devices.”

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Investigators found no communication or invoice.

“I discovered that Mr. Fischer was the mastermind of a sophisticated and elaborate Canada Post Corporation fraud,” Nicholson said.

“To disguise his scheme, Mr. Fischer went to great lengths to create background information to prove the existence of bogus companies. . . . As sophisticated as this scheme was, Mr. Fischer was arrested and has now been convicted.

Before setting a sentencing date, Fischer asked the judge how the next phase would affect the appeals process.

Fischer’s sentencing is set for August 17.

jsims@postmedia.com

twitter.com/JaneatLFPress

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Indy Pass adds 8 more stations | Now offering 100 hotels for $399 https://raveweb.net/indy-pass-adds-8-more-stations-now-offering-100-hotels-for-399/ Tue, 21 Jun 2022 15:00:54 +0000 https://raveweb.net/indy-pass-adds-8-more-stations-now-offering-100-hotels-for-399/ Nob ski resort of Nub. Credit: Station’s Facebook Indy Pass now offers two days each at 100 independent resorts, including new partners in the Upper Midwest, New England and Pacific Northwest. Indy Pass today announced that eight new resorts will join for the 22/23 season, including Nub’s Nob, Michigan, as well as alpine and cross-country […]]]>
Nob ski resort of Nub. Credit: Station’s Facebook

Indy Pass now offers two days each at 100 independent resorts, including new partners in the Upper Midwest, New England and Pacific Northwest.

Indy Pass today announced that eight new resorts will join for the 22/23 season, including Nub’s Nob, Michigan, as well as alpine and cross-country resorts in the Upper Midwest, New England and the Pacific Northwest. With these additions, the Indy Pass now offers two free days of skiing, riding, and cross-country skiing at 100 resorts in the United States, Canada, and Japan. Seven other Allied Resorts are offering Indy Pass holders up to 50% off lift tickets.

New Alpine Resorts – Passholders receive two free days:

  • Big Rock Mountain, Maine
  • Marquette Mountain Resort, Michigan
  • Mount Kato Ski Area, Minnesota
  • Nub’s Nob Ski Resort, Michigan
  • Treetops Resort, Michigan

New cross-country ski resorts – All pass holders get two free days:

  • 49 degrees North Nordic Center, Washington
  • Manning Park Resort XC, British Columbia
  • Treetops XC, Michigan

New Allied Resort – Passholders receive a 25-50% discount on lift tickets:

  • Wolf Wolf Ski Bowl, Washington

“Nub’s Nob is thrilled to join Indy Pass, to encourage exploration of independent ski areas and develop a love of skiing.”

– Ben Doornbos, Managing Director at Nub’s Nob

Nub’s Nob, Michigan is one of the most popular “pure ski resorts” in the Midwest.

With these additions, Indy Pass now has 23 partner resorts in the Upper Midwest and offers unparalleled value for skiers and riders in this region. Likewise, BigRock Mountain offers another Maine resort to complement Saddleback Mountain and offers Northeastern pass holders 19 independent resorts and 38 days of free skiing and riding for one low price. Preseason pricing is in effect at just $299 for adults, $139 for kids, and $399 non-stop.

“100 resorts is definitely a milestone, but the real news here is the addition of some amazing new resorts. We are excited to add new partners in three regions of the country, especially Michigan, where we now have nine major mountains in the coalition.

– Doug Fish, Founder of Indy Pass

The Indy Pass is the fastest growing multi-mountain pass in North America and will continue to grow rapidly with the announcement of new partner resorts next month.

June Payment Plan Ends July 1 – No Interest and No Credit Checks

Indy Pass offers an innovative, interest-free payment plan that allows buyers to make equal monthly payments until December 15. If purchased before July 1, payments are $42/month for an adult pass and $124/month for a family of four with two children under 13. No credit check or credit application is needed and no third party lenders are involved.

Indy Pass 22-23 Pre-Season Pricing Through September 12:

  • Indy Base Pass – Adult $299, Children (12 and under) $139
  • Indy+ Pass – Adult $399, Children $189 (no restrictions)
  • Indy Base AddOn Pass – Adult $199, Children $99 (Partners and Allies season pass holders only)
  • Indy+ AddOn Pass – Adult $309, Children $149 (no restrictions)
  • Indy Cross Country (XC) Pass – Adult $69, Children $29 (no restrictions)

About the Indy Pass:

After three seasons, Indy Pass is the fastest growing multi-mountain pass in North America. It offers 100 alpine and Nordic resorts in the United States, Canada and Japan, each offering two days of skiing or riding, and seven allied alpine resorts offering up to 50% off lift tickets. Indy Resorts are uniquely independent and authentic; many are owned and operated by multi-generational families.

22/23 STATIONS

DOWNHILL STATIONS – 88

PACIFIC REGION – 14

  • ALASKA – Eaglecrest Ski Area
  • BRITISH COLUMBIA — Apex Mountain Resort, Manning Park, Sasquatch Mountain
  • CALIFORNIA – China Peak, Mt. Shasta Ski Park, Snow Valley
  • OREGON – Hoodoo, Mt. Ashland
  • WASHINGTON – 49 degrees North, Ski Bluewood, Hurricane Ridge, Mission Ridge, White Pass

ROCKY REGION – 18

  • ALBERTA — Castle Mountain Resort
  • ARIZONA—Sunrise Park Ski Resort
  • COLORADO — Sunlight Mountain Resort
  • IDAHO – Brundage Mountain, Kelly Canyon, Silver Mountain, Tamarack Resort, Pomerelle, Soldier Mountain
  • MONTANA – Blacktail Mountain, Lost Trail Powder Mountain, Red Lodge Mountain
  • UTAH – Beaver Mountain, Eagle Point, Powder Mountain
  • WYOMING – Snow King Mountain, White Pine Ski Area, Antelope Butte

MID-WEST REGION – 23

  • IOWA – Seven Oaks, Sunset Mountain
  • MICHIGAN – Big Powderhorn Resort, Caberfae Peaks, Crystal Mountain, Marquette Mountain, Nubs Nob Ski Resort, Pine Mountain Resort, Shanty Creek, Swiss Valley Ski Area, Tree Tops Resort
  • MINNESOTA – Buck Hill, Detroit Mountain, Lutsen Mountains, Mount Kato, Powder Ridge Winter Recreation, Spirit Mountain
  • SOUTH DAKOTA — Terry Peak Ski Area
  • WISCONSIN — Granite Peak, Little Switzerland, Nordic Mountain, Trollhaugen, Tyrol Basin, The Rock Snowpark

EASTERN REGION – 19

  • CONNECTICUT – Mohawk Mountain Ski Area
  • MASSACHUSETTS – Berkshire East Mountain Resort, Catamount Mountain Resort *
  • MAINE – Saddleback Mountain, BigRock Resort
  • NEW HAMPSHIRE – Cannon Mountain, Pats Peak, Black Mountain, Waterville Valley
  • NEW YORK — Catamount Mountain Resort*, Greek Peak Mountain Resort, Swain Resort, Snow Ridge Ski Resort, Titus Mountain, West Mountain
  • VERMONT—Bolton Valley Resort, Magic Mountain, Suicide Six, Jay Peak Resort
  • *Catamount straddles the NY/MA border

MID-ATLANTIC REGION – 10

  • NORTH CAROLINA — Cataloochee Ski Area
  • PENNSYLVANIA – Blue Knob Resort, Montage Mountain, Ski Sawmill, Shawnee Mountain
  • TENNESSEE — Ober Gatlinburg Ski Area
  • VIRGINIA – Bryce Resort, Massanutten Resort
  • WEST VIRGINIA – Canaan Valley Ski Resort, Winterplace Ski Resort

JAPAN TOHOKU REGION – 4

  • Okunakayama Kogen – Ninohe District, Iwate
  • Geto Kogen – Kitakami, Iwate
  • Shimokura/Pandora – Hachimantai, Iwate
  • Tazawako – Semboku, Akita

BACKGROUND STATIONS – 12

  • BRITISH COLUMBIA – Sovereign Lakes Nordic Club, Manning Park Resort
  • MICHIGAN—Tree Tops XC
  • MINNESOTA — Mapelap Resort
  • NEW HAMPSHIRE (2) – Waterville Valley Resort, JacksonXC
  • NEW JERSEY – High Point Cross Country Center
  • NEW MEXICO — Enchanted Forest XC
  • VERMONT—Woodstock Nordic Center, Rikert Nordic Center
  • WASHINGTON – 49 degrees North Nordic Center
  • WEST VIRGINIA – White Grass Visitor Center

ALLIED STATIONS – 7 (discounted lift tickets for pass holders)

  • MASSACHUSETTES — Bousquet Mountain
  • NEW HAMPSHIRE – Dartmouth Skiway, McIntyre Ski Area, Whaleback Mountain
  • VERMONT – Burke Mountain, Middlebury College Snow Bowl
  • WASHINGTON — Wolf Wolf Ski Bowl

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More and more students are taking training in personal finance. But is it enough? https://raveweb.net/more-and-more-students-are-taking-training-in-personal-finance-but-is-it-enough/ Sun, 19 Jun 2022 10:32:31 +0000 https://raveweb.net/more-and-more-students-are-taking-training-in-personal-finance-but-is-it-enough/ Image source: Getty Images One in four high school students is required to take a personal finance course. Key points Nearly a quarter (22.7%) of high school students today must take a personal finance course to graduate. Legislatures in 26 states are introducing 60 different bills to expand access to personal finance education. People with […]]]>

Image source: Getty Images

One in four high school students is required to take a personal finance course.


Key points

  • Nearly a quarter (22.7%) of high school students today must take a personal finance course to graduate.
  • Legislatures in 26 states are introducing 60 different bills to expand access to personal finance education.
  • People with higher financial literacy are less likely to face financial hardship.

According to the S&P Global Financial Literacy Survey, 43% of Americans lack financial literacy — and gaps in financial knowledge can lead to chronic money problems. In 2018, only 16.4% of American high school graduates received training in personal finance. The number has now risen to around one in four high school students (22.7%).

As more states make financial education a mandatory part of the high school curriculum, Next Gen Personal Finance estimates that at least one-third (35.1%) of high school students will have taken a course autonomy over personal finances. That still leaves two out of three high school students without the education they need to be financially capable.

More states are implementing personal finance requirements

Currently, only eight states require high school students to take a personal finance course: Alabama, Iowa, Mississippi, Missouri, North Carolina, Tennessee, Utah, and Virginia.

Five more states are beginning to implement personal finance education at the high school level. Personal finance education is defined as a stand-alone personal finance course that lasts at least one semester or 60 consecutive hours of instruction.

Michigan recently passed a bill that would make it the 14th state to guarantee high school students a personal finance course before graduation. Momentum has grown this year, with 26 state legislatures introducing 60 different bills to expand access to personal finance education.

The importance of personal financial education

Personal finance education directly helps people improve their financial well-being. Those with higher financial literacy are less likely to face financial hardship. Those with low financial literacy are:

  • Six times more likely to have difficulty making ends meet.
  • Five times more likely to be unable to cover a month’s living expenses.
  • Four times more likely to spend more than 10 hours a week thinking about or dealing with personal finance issues.
  • Four times more likely to be dissatisfied with their current financial situation.

Studies also show that personal financial education reduces the likelihood that young adults will use payday loans and is positively correlated with asset accumulation and net worth at age 25.

The Next Gen Personal Finance annual report found that access to personal finance education is still divided based on location, race, and socioeconomic status. Across the country, students do not have equal access to personal finance education. Expanding personal finance education to all segments of society can help close the socio-economic gap and help more people build their savings accounts.

The vast majority of millionaires haven’t inherited their money or earned six-figure incomes. Financial success often hinges on using basic personal finance principles, such as regular and consistent investments over a long period of time, staying out of debt, and sticking to a budget. Financial education is the key to financial success and can help develop good habits for the future.

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Glucavive Review – Risky Side Effects or No Negative Complaints? https://raveweb.net/glucavive-review-risky-side-effects-or-no-negative-complaints/ Fri, 17 Jun 2022 18:40:57 +0000 https://raveweb.net/glucavive-review-risky-side-effects-or-no-negative-complaints/ Since even minor changes in a person’s diet can cause large fluctuations in blood sugar levels, taking blood glucose supplements can be extremely difficult if one has diabetes. However, since diabetics have to deal with issues such as high blood sugar and swelling, supplementing their diet can also be very beneficial and may even lessen […]]]>

Since even minor changes in a person’s diet can cause large fluctuations in blood sugar levels, taking blood glucose supplements can be extremely difficult if one has diabetes. However, since diabetics have to deal with issues such as high blood sugar and swelling, supplementing their diet can also be very beneficial and may even lessen some of the negative effects of the disease.

Various supplements are being reviewed by researchers to see if they can help lower blood sugar levels. Pre-diabetics and diabetics, especially those with type 2, can benefit from these supplements. Supplementing your diabetes medicine with one or more herbal extracts may allow your doctor to gradually reduce the amount of medicine you need. A company called VIVE MED sells a diabetes supplement. They call it “Glucavive”.

Glucavive from VIVE MED is one of the best dietary supplements for controlling blood sugar and supporting healthy sugar metabolism. The powerful natural active ingredients in Glucavive help diabetics maintain stable blood sugar levels and normal pancreatic activity. It may even help reduce the amount of insulin needed to maintain healthy blood sugar levels on a daily basis. Additionally, it may also help patients who have difficulty responding to insulin therapy.

Is the Glucavive supplement as effective as it claims? Find out now in our in-depth review of the article.

What exactly is Glucavive?

Glucavive is a safe and effective herbal medicine to manage and control blood sugar. Thanks to its clinically approved natural components, the product is effective. It is gaining popularity because it is completely natural and can be used to treat various types of illnesses. The creators of this supplement claim that it can help you maintain stable blood sugar levels for life.

The pancreas secretes insulin, which is a hormone. For cells, insulin helps break down glucose molecules into their energy-dense cellular constituents. Insulin resistance is a sign that cells are unable to use glucose properly. Blood sugar levels rise as a result of this. Glucavive uses a combination of natural ingredients known to help regulate blood sugar.

Glucavive helps stabilize blood sugar. Moreover, it helps to increase your metabolic rate and energy level. With the supplement, you can expect to burn fat and reduce your appetite, which should help you lose weight. Glucavive supplement is safe to use as it does not contain any harmful fillers, synthetics or chemicals. All products are manufactured in a contemporary FDA registered and GMP accredited facility in the USA.

Composition

Glucavive is a unique poly-component product. In addition to essential vitamins and zinc, it contains a special herbal blend to treat high blood glucose levels. Each herbal extract in the dietary supplement has been carefully chosen after years of research. Their combination has a substantial synergistic effect with significantly greater health benefits. Here are some of the breakthrough components of Glucavive:

turmeric root

The use of turmeric can help in the management of excessive glucose levels. An analysis of studies from 2013 reveals that curcumin helps reduce blood sugar and other problems associated with diabetes. Researchers discovered that curcumin may play a role in the prevention of diabetes.

Goji Berry

Goji berries can help regulate the release of blood sugar. Research from 2015 indicates that goji berries work very well in regulating insulin and blood glucose levels. People with type 2 diabetes who consumed goji berries had higher HDL levels, according to the same study.

Prickly pear extract

In addition to maintaining a nutritious diet, consuming pears can help in the management of diabetes in its early stages. Some preliminary research suggests that prickly pear helps lower blood sugar in type 2 diabetic patients. Some research suggests that prickly pear extract may alleviate hangover symptoms due to its anti-inflammatory properties. .

Olive leaf extract

Olive leaves contain antioxidants that can reduce blood sugar and help maintain healthy levels. Researchers have found that this impact facilitates the treatment of diabetes and can prevent you from developing the disease.

holy basil

All components of the holy basil plant may lower blood sugar levels in people with prediabetes or type 2 diabetes. Animal and human studies indicate that holy basil helps prevent the symptoms of diabetes such as weight gain. hyperinsulinemia or excess insulin in the blood.

bitter melon

Bitter melon contains a number of compounds that resemble insulin and lower blood sugar. Several studies suggest they do this by tricking more glucose into cells and helping the body process and store glucose in the liver, muscle, and fat.

Cinnamon bark powder

The antioxidant polymer methyl hydroxy chalcone (MHCP) contained in cinnamon bark powder acts as a natural blood sugar regulator. Additionally, cinnamon has been shown to improve immunity and blood pressure levels.

case extract

Cassia cinnamon includes compounds that appear to boost insulin sensitivity, which may help diabetics control their blood sugar. Plus, it includes cinnamaldehyde. This molecule can help fight germs and fungi. Some people use it to treat erectile dysfunction (ED), hernia, bedwetting and joint pain.

FAQs

Q: Why choose Glucavive?

A. The product is safe for people with severe type II diabetes or those taking insulin. Although the product may not reverse severe type II diabetes, it may reduce the need for additional benefits. In many cases, it can even help reduce the daily dose of insulin needed to regulate blood sugar. Additionally, it may be beneficial for patients whose responses to insulin treatment are inadequate.

Q: What is the best way to take Glucavive?

A. Simply take 1 capsule daily with your evening meal and half a glass of water, and you will enjoy the benefits and the way you feel. Don’t worry if you don’t see effects within a week, as the supplement works very differently for each individual.

Q: How many bottles should I order?

A. For long-term benefits, you should acquire a second bottle yourself, perhaps enough for two to three months. If you want to change the dosage or take a different medication, consult a healthcare practitioner. Before taking the supplements, it is important to read the documentation provided by the manufacturer.

Where to buy Glucavive?

If you are interested in buying Glucavive, check out the official website. Bulk purchases are highly recommended as they not only save you money, but also provide you with a long-term supply, reducing the need to place repeat orders monthly. All major debit cards, credit cards and UPI are accepted by VIVE MED. Within 24-48 hours all items have been packed and are on their way to you.

You can expect your order to arrive within 3-5 business days after it has been shipped. No one will know you bought something from the company until you tell them, thanks to the company’s discreet product packaging. You should move as soon as possible because the company is currently offering the following attractive offers.

  • 1 bottle of Glucavive: $69
  • 3 bottles of Glucavive: $59 each
  • 6 bottles of Glucavive: $49 each

The company has set out to create something truly unique that will help your body get the nutrients it needs. Glucavive can be tried risk-free for 30 days with a money-back guarantee. You can request a refund from VIVE MD if you are not satisfied for any reason. To request a refund from VIVE MED, please contact their customer service at the following email address:

  • Email: support@glucavive.com.

Conclusion

You can use Glucavive to lower your blood sugar levels, manage your sugar levels, and reduce the amount of swelling in your body. It is a natural formula that acts as a safe alternative solution for people with diabetes who do not want to use expensive and potentially dangerous diabetes medications. Glucavive can also help reduce edema of the pancreas and blood vessels. Reducing the swelling in your pancreas may help you better control your blood sugar.

Thousands of people take Glucavive every day to experience its benefits. VIVE MED has not had a single complaint regarding side effects. You can rely on medication to help you maintain normal blood sugar levels. You won’t have to worry about any negative side effects due to the natural recipe of the supplement. A well-balanced diet and regular physical activity will help the powerful formulation of Glucavive to work quickly and effectively.

Do not wait. Try Glucavive today! >>>

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Disclaimer:

Please understand that any advice or guidance revealed herein does not even remotely replace sound medical or financial advice from a licensed health care provider or licensed financial advisor. Be sure to consult a professional doctor or financial advisor before making any purchasing decisions if you are using any medications or have any concerns from the review details shared above. Individual results may vary and are not guaranteed as statements regarding these products have not been evaluated by the Food and Drug Administration or Health Canada. The effectiveness of these products has not been confirmed by the FDA or Health Canada approved research. These products are not intended to diagnose, treat, cure or prevent any disease and do not provide any type of enrichment program. Reviewer is not responsible for pricing inaccuracies. See the product sales page for final prices.

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MICROCAPITAL BRIEF: UNCDF, Quizrr, Ulula, Wagely Supporting Financial, Digital Literacy for Garment Worker in Bangladesh https://raveweb.net/microcapital-brief-uncdf-quizrr-ulula-wagely-supporting-financial-digital-literacy-for-garment-worker-in-bangladesh/ Thu, 16 Jun 2022 05:03:00 +0000 https://raveweb.net/microcapital-brief-uncdf-quizrr-ulula-wagely-supporting-financial-digital-literacy-for-garment-worker-in-bangladesh/ The United Nations Capital Development Fund (UNCDF) recently committed approximately US$556,000 to support pilot training programs for workers in the garment industry in Bangladesh. The funding will pay for technical assistance and performance-based grants for three companies seeking to promote financial and digital literacy skills and therefore financial and digital inclusion for 135,000 people working […]]]>

The United Nations Capital Development Fund (UNCDF) recently committed approximately US$556,000 to support pilot training programs for workers in the garment industry in Bangladesh. The funding will pay for technical assistance and performance-based grants for three companies seeking to promote financial and digital literacy skills and therefore financial and digital inclusion for 135,000 people working in the sector, mostly women. UNCDF implementing partners for the project are Quizrr, Ulula and employee. Wagely will offer participants its Earned Wage Access service, which allows workers to collect their wages in advance. The other two companies are collaborating to provide digital training on “human rights and responsibilities, worker engagement and digital wages.”

Founded in 2020, Wagely is an Indonesian platform with a mission to “provide a sustainable solution for all employees to break the cycle of indebtedness caused by overdraft fees, high interest credits or loans on salary and play a leading role in building financial well-being for the weakest”. – and middle-income workers in Indonesia.

Quizrr is a Swedish education technology (edtech) company established in 2013. It provides training for digital workers from offices in Bangladesh, China, Thailand and Sweden. The company claims to have served 1.3 million users who work in 600 factories.

Launched in 2013, Ulula, which means “reveal” in Chichewa, is a Canadian company whose services include anonymous feedback and engagement solutions for workers to report human rights abuses, as well as tools to measure the scale of business contributions to the United Nations Sustainable Development Goals. . The company claims to have served 1.6 million users in 40 countries.

Established in 1996 and based in the US city of New York, UNCDF works to create opportunities for the poor and their businesses by improving access to microfinance and other forms of investment capital. The organization operates in 47 low-income countries in Africa, Asia and the Pacific, with a particular focus on countries emerging from crises. For 2020, UNCDF had a budget of $75 million and supported initiatives providing financial services to 3 million unbanked and underbanked customers.

By Saulius Simonas Ramanauskas, Research Associate

Sources and additional sources

UNCDF press release
https://www.uncdf.org/article/7684/financial-digital-solutions-garment-workers-bangladesh

Quizrr homepage
https://www.quizrr.se

Ulula homepage
https://ulula.com

Salary homepage
https://www.wagely.app

UNCDF homepage
https://www.uncdf.org

Previous note from MicroCapital on UNCDF
https://www.microcapital.org/microcapital-brief-public-sector-commits-61m-to-smes-via-bamboo-uncdf-initiative-for-the-least-developed-build-fund

Did you know that MicroCapital publishes the MicroCapital Monitor every month? Learn more at https://www.microcapital.org/products-page/.

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3 things to watch in the stock market this week https://raveweb.net/3-things-to-watch-in-the-stock-market-this-week/ Sun, 12 Jun 2022 11:00:00 +0000 https://raveweb.net/3-things-to-watch-in-the-stock-market-this-week/ It was another tough time for investors last week as both the Dow Jones Industrial Average (DJINDICES: ^DJI) and the S&P500 (SNP INDEX: ^GSPC) lose 5%. Most of the decline came after news broke that inflation was still near a 40-year high, suggesting further aggressive interest rate hikes from the Federal Reserve. However, many individual […]]]>

It was another tough time for investors last week as both the Dow Jones Industrial Average (DJINDICES: ^DJI) and the S&P500 (SNP INDEX: ^GSPC) lose 5%. Most of the decline came after news broke that inflation was still near a 40-year high, suggesting further aggressive interest rate hikes from the Federal Reserve.

However, many individual stocks performed better, especially in the case of positive earnings announcements. With that in mind, let’s preview reports on the way this week from Kroger (NYSE:KR), Jabil (NYSE:JBL)and Adobe (NASDAQ: ADBE).

1. Kroger Profit Outlook

Kroger’s stock took a hit after rival walmart (NYSE: WMT) lowered its 2022 earnings outlook last month, and we’ll find out on Thursday whether the supermarket chain has avoided those earnings challenges.

There are good reasons to believe that Kroger can outperform its biggest rival. The chain closed the growth gap in the last quarter, thanks in part to the enthusiasm generated by its fresh produce and prepared food niches. Track comparable store sales to see if Kroger is gaining market share. This metric increased by 3% in Walmart’s latest report.

Kroger weathered soaring costs in early 2022, and investors hope to extend that positive momentum into this report with the help of its vertically integrated supply chain.

When costs rise, owning your own dairy farm, trucking company, and retail network comes in handy. Watch Kroger’s earnings outlook, which currently calls for a sharp increase in annual earnings, for evidence of continued pricing power.

2. Jabil’s operating margin

Electronics manufacturing specialist Jabil will announce its latest results on Thursday, and investors have big questions ahead of the report. The company exceeded expectations on its latest release, which showed an 11% increase in sales. Jabil’s 23% increase in earnings per share is even more impressive.

Track Jabil’s operating profit margin to see if the company is still benefiting from growing demand in the smartphone, cloud services and automotive niches. This metric was less than 5% of sales last quarter, but has the potential to increase as prices increase.

Jabil raised its outlook for 2022 in March, and management is now seeing its revenue land at $32.6 billion, about 11% more than in 2021. The big question is how its partnership with Apple could set it up for even faster wins down the line.

3. Adobe’s growth rate

Despite setting new sales and cash flow records last quarter, Adobe stock has fallen since that report in late March. Investors’ main concern is that growth will slow after two years of strong demand for its digital media products during the early stages of the pandemic.

This slowdown should not threaten the long-term prospects of Adobe, which announced Thursday the results of the second fiscal quarter. Executives in March forecast sales would rise about 15% for the period, compared with a 17% increase in the first quarter.

In addition to hitting those numbers, investors are hoping Adobe could project better earnings prospects over time as more businesses and consumers move their creative work to its cloud services platform.

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Demitri Kalogeropoulos holds positions at Apple. The Motley Fool holds posts and recommends Adobe Inc. and Apple. The Motley Fool recommends the following options: $420 long calls in January 2024 on Adobe Inc., $120 long calls in March 2023 on Apple, $430 short calls in January 2024 on Adobe Inc. and $130 short calls in March 2023 on Apple. 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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The Derbyshire drug addict has taken out £55,000 in loans on behalf of loved ones https://raveweb.net/the-derbyshire-drug-addict-has-taken-out-55000-in-loans-on-behalf-of-loved-ones/ Tue, 07 Jun 2022 18:45:00 +0000 https://raveweb.net/the-derbyshire-drug-addict-has-taken-out-55000-in-loans-on-behalf-of-loved-ones/ Chris Flitter, 42, told unsuspecting victims he needed their bank details to transfer funds – but then used them to apply for more than 25 loans and transferred money to his own account. In total, the defendant tried to borrow over £200,000, but many of his requests from lenders were turned down. Conman Flitter managed […]]]>

Chris Flitter, 42, told unsuspecting victims he needed their bank details to transfer funds – but then used them to apply for more than 25 loans and transferred money to his own account.

In total, the defendant tried to borrow over £200,000, but many of his requests from lenders were turned down.

Conman Flitter managed to borrow more than £23,000 using his ‘quite decent’ neighbour’s details and £18,000 using one of his own brother’s accounts.

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Flitter was sentenced at Chesterfield Magistrates Court in a reserved room at Derby Crown Court

Recorder Michael Auty QC told Flitter: ‘What you did was truly despicable – two of your victims were your own brothers.

“One of them was a neighbor who showed you nothing but kindness and the other was a trusted friend. You tried to get £200,000 rich.

Gregor Purcell, prosecuting, told Derby Crown Court how in the time of year between 2019 and 2020 Flitter’s victims received ‘assurances’ that ‘things would be sorted out’ after misleading them .

However, the court heard her neighbor “may never recover” from Flitter’s frauds.

Mr Purcell said one of Flitter’s dupes was a friend of over 10 years who he was on holiday with and ‘shared school pick-ups’.

Read more

Read more

A Chesterfield woman threatened to kill her neighbors in an apartment building

He added: “This may have given the defendant the confidence to contact him and inform him that he had been involved in ready-to-pay investments and asked (the victim) to allow the making payments to its accounts.”

The court heard Flitter, who had no previous convictions and was a father of teenagers, managed to withdraw £7,500 on behalf of his friend while claims for a further £20,000 were denied.

Shannon English, defending Flitter, told the court it was “clear” that “something had gone wrong” for her client.

She added: “At the time of the offenses he was not at work, having been fired by his employer, he started gambling for survival.

“He accepts that he also took payday loans, he had a gambling addiction.”

Judge Auty said: ‘Mr Purcell described your conduct as sophisticated – I regard it as determined, it lasted ten and a half months.’

The judge, suspending a two-year prison sentence for two years, said the starting point in terms of sentencing after a trial would have been five years in prison.

However after mitigation and credit for his guilty plea which could be reduced to two years.

He said, “If I fired you for something like this today, what would it have done to your family?”

“That was some time ago – between two and three years ago and there was no repeat

“Part of the sentencing process is to consider the hope of rehabilitation and so in the end and by a hair’s breadth I’m taking a very exceptional course with you.

“Not out of any particular sympathy for you, but out of great sympathy for your wife and children.”

Flitter, of Brierley Road, Ripley, admitted nine counts of fraud. He was given 200 hours of unpaid work.

A message from Derbyshire Times Editor Phil Bramley: Support your Derbyshire Times by becoming a digital subscriber. You’ll see 70% fewer ads on stories, which means faster load times and an overall improved user experience. Click here to subscribe

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Naples Pawn Shop helps the economy by keeping more money local https://raveweb.net/naples-pawn-shop-helps-the-economy-by-keeping-more-money-local/ Sat, 04 Jun 2022 07:03:17 +0000 https://raveweb.net/naples-pawn-shop-helps-the-economy-by-keeping-more-money-local/ NAPLES, FL, June 04, 2022 /24-7PressRelease/ — We are all looking for ways to support each other and sustain each other in this crazy economy. Inflation affects everything from food and gas prices to housing. Our budgets are stretched to the limit and broken. Rather than first thinking of taking a trip to your big […]]]>

NAPLES, FL, June 04, 2022 /24-7PressRelease/ — We are all looking for ways to support each other and sustain each other in this crazy economy. Inflation affects everything from food and gas prices to housing. Our budgets are stretched to the limit and broken.

Rather than first thinking of taking a trip to your big box stores like Walmart, Target, Home Depot or Lowes as they source their supplies from all over the world outside of the US. Instead, it’s time to think outside the box a bit.

Where else could you get the same items without sending your money overseas? – The answer is pawnshops, consignment shops, and reselling each other through sites like eBay and Craigslist.

While yes, the goods you purchase through these methods ARE still manufactured and in some cases manufactured in China or elsewhere, that wholesale purchase was made a long time ago. Any profit from this transaction that you make is 100% US reinvested.

A pawnshop purchase maintains internal local supply and demand in your local economy. It not only supports the company, but also your fellow citizens by recirculating money back into their pockets and bank accounts from collateral they had wrapped in merchandise.

First Pawn of Naples and Lehigh Acres is one such store that is proud to support its local communities.

Owners Eric and Cammeron Solomon pride themselves and their stores on fair trade agreements with those looking to sell, pawn, trade, or need a cash loan without credit verification. credit.

If you live in the Southwest Florida area, we strongly suggest you visit both of their showrooms. You never know what kind of treasures you might uncover and if you have valuables that you no longer use or want and are just gathering dust around your house, bring them and leave the knowledgeable staff make you an offer you may not be able to refuse!

Jewels and loan of the first pawn is your local jeweler, quick cash source, neighborhood music store, garden tool shed, electronics resource and so much more! We offer free layaway on all store items that are for sale, purchase items from customers, and provide cash loans. With a frequently updated inventory, you’re sure to find what you’re looking for at our pawn shop.


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5 Best Online Payday Loans – Online Payday Loans Same Day Deposit & No Rejection Payday Loans Direct Lenders in 2022 https://raveweb.net/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://raveweb.net/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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