Web marketing – Raveweb http://raveweb.net/ Wed, 23 Nov 2022 12:06:05 +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 Payday Loan Services Market Expected to Grow Significantly by 2030 | Credit Amaze, Credit 365, Credit Raffles https://raveweb.net/payday-loan-services-market-expected-to-grow-significantly-by-2030-credit-amaze-credit-365-credit-raffles/ Wed, 23 Nov 2022 12:06:05 +0000 https://raveweb.net/payday-loan-services-market-expected-to-grow-significantly-by-2030-credit-amaze-credit-365-credit-raffles/ Global Payday Loan Services Market Outlook (2022-2030) The Payday Loan Services Market The 2022 research provides a basic overview of the industry including definitions, classifications, applications and industry chain structure. The Payday Loans Service market report is provided for the international markets as well as development trends, competitive landscape analysis, and key regions development status. […]]]>

Global Payday Loan Services Market Outlook (2022-2030)

The Payday Loan Services Market The 2022 research provides a basic overview of the industry including definitions, classifications, applications and industry chain structure. The Payday Loans Service market report is provided for the international markets as well as development trends, competitive landscape analysis, and key regions development status. Development policies and plans are discussed as well as manufacturing processes and cost structures are also analyzed. This report further states import/export consumption, supply and demand Figures, cost, price, revenue and gross margins.

The report mainly studies the size, recent trends and development status of the Payday Loan Services market, as well as investment opportunities, market dynamics (like driving factors and restraining factors) and news. industry (such as mergers, acquisitions and investments). ). Innovation and technological advancements will further optimize the performance of the product, making it more widely used in downstream applications. Moreover, Porter’s Five Forces Analysis (potential entrants, suppliers, substitutes, buyers, industry competitors) provides crucial information for knowing the Payday Loan Services industry.

Get a sample copy presents the structure of the content and the report that presents a qualitative and quantitative analysis:https://www.stratagemmarketinsights.com/sample/114918

The Payday Loans Service report outlines the current future growth trends of this business besides depicting the details pertaining to the myriad of geographies that are part of the regional landscape of the market. The report further explains intricate details regarding demand and supply analysis, market share, growth statistics, and contributions of major industry players in the market.

Market Segmentation of Payday Loans Service Market:

The chapters on the segmentation of payday loan services allow the readers to understand the needs of the consumers. It allows the business to grow with precision and accuracy. Analysts have highlighted the elements that are expected to influence the segments in the coming years. The publication segments the market on the basis of technology, services and products. It details the payday loan service revenue generated by each of these segments and their potential in the coming years.

Key Players Covered in Payday Loan Services Markets:

▪ Amaze Credit
▪ Credit 365
▪ Raffles Credit
▪ Cash advance credit
▪ Credit J.D.
▪ Credit A1
▪ Quick credit
▪ Able ready
▪ Maximum credit
▪ Cashmax Payday Loans
▪ SalaryBefore

Payday Loan Services Market Split By Type:

▪ Financial support from the platform
▪ Off-platform financial support

Payday Loan Services Market Split By Application:

▪ Personal
▪ Retirees
▪ Others

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Marketing statistics:

The Global Payday Loan Services Market report estimates initial data and statistics that make the report a highly valuable guide for those dealing with advertising, advisors and industry decision-making processes in the Global Service Sales Market payday loan. Provides regional market analysis. This report provides essential Payday Loan Services industry data to guide new entrants into the global market.

The regional analysis covers:

» North America (USA and Canada)
» Latin America (Mexico, Brazil, Peru, Chile and others)
» Western Europe (Germany, United Kingdom, France, Spain, Italy, Nordic countries, Belgium, Netherlands and Luxembourg)
» Eastern Europe (Poland and Russia)
» Asia-Pacific (China, India, Japan, ASEAN, Australia and New Zealand)
» The Middle East and Africa (GCC, Southern Africa and North Africa)

Key Benefits for Participants and Industry Stakeholders:

– Industry drivers, restraints and opportunities covered in the study
– A neutral outlook on market performance
– Recent industry trends and developments
– Competitive landscape and strategies of key players
– Potential and niche segments and regions with promising growth covered
– Historical, current and projected market size, in terms of value
– In-depth analysis of the payday loan services market

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The research provides answers to the following key questions:

1⃣ What is the estimated growth rate of the market for the forecast period 2022-2030?
2⃣ What will be the size of the market during the estimated period?
3⃣ What are the key drivers responsible for shaping the fate of the Payday Loan Services market during the forecast period?
4⃣ Who are the leading vendors in the market and what are the winning strategies that have helped them gain a strong foothold in the payday loan services market?
5⃣ What are the major market trends influencing the development of the Payday Loan Services market across different regions?
6⃣ What are the major threats and challenges likely to impede the growth of the Payday Loan Services market?
7⃣ What are the main opportunities that market leaders can leverage to gain success and profitability?

Contact us:

Stratagem Market Overview
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📞 JAPAN: +81-50-5539-1737
✉ E-mail: [email protected]
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TikTok and social media voted least ethical in Australia: report https://raveweb.net/tiktok-and-social-media-voted-least-ethical-in-australia-report/ Fri, 18 Nov 2022 01:24:06 +0000 https://raveweb.net/tiktok-and-social-media-voted-least-ethical-in-australia-report/ In a strong sign of low trust in Big Tech, Australians voted TikTok the least ethical organization of the year, followed by Facebook, Twitter and Instagram. According to the 2022 Ethics Index (pdf) published by the Governance Institute of Australia, the country’s overall ethics score fell for the second consecutive year from 45 to 42. […]]]>

In a strong sign of low trust in Big Tech, Australians voted TikTok the least ethical organization of the year, followed by Facebook, Twitter and Instagram.

According to the 2022 Ethics Index (pdf) published by the Governance Institute of Australia, the country’s overall ethics score fell for the second consecutive year from 45 to 42.

TikTok won the unenviable wooden spoon with a score of -32, followed by Payday Loans (-30), Facebook (-28), Twitter (-21) and Instagram (-12).

“The media only sees a slight easing [in its score]but remains well below levels seen in 2020,” the report said.

Plus, the latest news comes from nearly 80% of respondents to a previous poll. expressed concern on the security of personal information stored on TikTok, the China-based video-sharing platform.

Clare O’Neil, Australian Home Secretary order cybersecurity authorities will investigate the security of TikTok’s data collection in September after the company conceded that employees in mainland China can access the data of seven million Australian users.

Cybersecurity Minister Clare O’Neil speaks in Parliament in Canberra, Australia, September 5, 2022. (AAP Image/Mick Tsikas)

Furthermore BBC documentary published in October revealed that TikTok had made huge profits from livestreaming displaced Syrian refugees asking for donations. The social media app received 70% of stream revenue, while refugee families received a much smaller cut.

Media voted least ethical sector

The Ethics Index, based on a nationwide survey of 1,000 people by Ipsos, found the media industry to be the least ethical sector in Australia (-15), just behind big business. companies (-3) and resource companies (-1).

The survey questions covered issues such as COVID-19, climate change, gender and cultural diversity, as well as CEO compensation levels.

Megan Motto, CEO of the Governance Institute, said this year’s results showed a downward trend in trust and that direct action was needed to reverse it.

“A stabilization in trust and ethics had been hoped for this year, but that was not to be the case,” Motto said in a statement. “We are now seeing a clear downward trend in trust and ethics. Since strong ethics are an indicator of a strong and well-functioning company, this is a major concern and this year’s results should remind us of the importance of trust and ethics in all levels of our society.

Motto noted that a strong sense of unity saw confidence soar at the start of the COVID-19 pandemic.

“But we’ve seen a denouement since then,” she said. “It looks like we’re a little less confident, more cynical and more divided.”

Nurses were found to be the most ethical and trusted profession by Australians, with a score of 77, followed by firefighters (75).

State politicians scored -22, down from -10 last year, making it Australia’s least ethical occupation – a sign of bad news for campaigners in Victoria and New Wales. South, which will soon hold state elections.

The organizations rated the most ethical were pathology departments, specialists and primary schools, which scored 66 and 65 points respectively.

Epoch Times staff in Sydney

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St. Patrick’s Center opens new independent living shelter for the homeless https://raveweb.net/st-patricks-center-opens-new-independent-living-shelter-for-the-homeless/ Tue, 15 Nov 2022 04:32:00 +0000 https://raveweb.net/st-patricks-center-opens-new-independent-living-shelter-for-the-homeless/ ST. LOUIS, Mo. (KMOV) – For days the St. Louis area has been experiencing freezing temperatures and many are left on the streets without shelter. For years, St. Patrick’s Center has fought for money to open a more permanent home for people who are homeless. Now they have understood this and are opening apartments for […]]]>

ST. LOUIS, Mo. (KMOV) – For days the St. Louis area has been experiencing freezing temperatures and many are left on the streets without shelter. For years, St. Patrick’s Center has fought for money to open a more permanent home for people who are homeless.

Now they have understood this and are opening apartments for the homeless to return to everyday life.

“I was really depressed and didn’t even think I was going to survive the year,” said Mary Holsinger.

In 2019, Holsinger unexpectedly became homeless.

“Living on the streets and not knowing who to turn to or trust anyone is tough,” Holsinger said.

After a few months, Holsinger was directed to St. Patrick’s Center where she was eventually granted transitional housing.

“It gave me hope in humanity,” Holsinger explained.

Holsinger was lucky. Many can live on the streets for years with no hope of change. However, with the help of public and private funding, the St. Patrick Center purchased and now operates its first independent living facility, McFarlane Place.

“We can actually allow someone to stay there long enough to achieve their goals,” Jonathan Belcher said.

Belcher is the Senior Director of Long-Term Programs and Transformation at St. Patrick Center. He said the North City apartment complex, which is currently being renovated, will house many veterans and people benefiting from the hospitals’ healthy housing program. They said there was no credit or identity check needed to find shelter.

“We don’t necessarily have to say ‘this person has an ID card or a social security card.’ We know who they are as a person because we provide services to them, we can actually move them around without getting those things and then provide them,” Belcher explained.

Not only does McFarlane Place provide a more permanent location and address for homeless people, it also provides an increased level of safety and security. Something Holsinger said is rare while living on the streets.

“It’s difficult when you’re a woman and you’re on the streets or in a shelter because being a woman you’re more vulnerable. You know when you leave, when you come back, your bed will be there,” Holsinger said.

A comfort that many take for granted, but that should not be forgotten.

St. Patrick’s Center is hosting a grand opening for McFarlane Place Wednesday at 10 a.m.

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This year, voters circled disconnected politicians https://raveweb.net/this-year-voters-circled-disconnected-politicians/ Fri, 11 Nov 2022 22:19:40 +0000 https://raveweb.net/this-year-voters-circled-disconnected-politicians/ This fall, in the run-up to the midterm elections, a group of Catholic nuns, Protestant ministers and other religious leaders caravanned through South Dakota on what they called a “Love Your Neighbor Tour.” . They stopped at grocery stores, restaurants, senior centers, libraries and other community gathering places to start conversations about health insurance. They […]]]>

This fall, in the run-up to the midterm elections, a group of Catholic nuns, Protestant ministers and other religious leaders caravanned through South Dakota on what they called a “Love Your Neighbor Tour.” .

They stopped at grocery stores, restaurants, senior centers, libraries and other community gathering places to start conversations about health insurance. They heard story after story of family members, friends and neighbors struggling to afford quality health care.

The purpose of this tour: to build support for a ballot initiative to help more South Dakotans get the care they need.

Through such initiatives, citizens can circumvent elected officials who have become disconnected from their constituents.

In this year’s elections, voters over 30 states engaged in this form of direct democracy. These voters enshrined abortion rights in states like Michigan, funded universal preschool and child care in New Mexico, and clamped down on medical debt in Arizona.

In South Dakota, the “Love Your Neighbor” campaign won big. By a margin of 56 to 44, voters approved a proposal to force their state government to expand Medicaid eligibility, a move that will help about 42,500 working-class people get treatment.

These people earn too much to qualify for the state’s existing Medicaid program, but too little to access private insurance through the Affordable Care Act. Since 2010, the federal government has covered 90% of the costs when states expand Medicaid, but political leaders in South Dakota and 11 other states refused to do so.

This isn’t the first time South Dakotans have used effective strategies of people-to-people organizing and ballot initiatives for the good of their neighbors.

In 2016, a bipartisan coalition with strong support from the faith community won an incredible victory against financial predators, winning 76% support for a ballot impose a 36% interest rate cap on payday loans. Previously, those rates averaged around 600% in South Dakota, trapping many low-income families in a downward spiral of debt.

In this midterm election season, Nebraska offers another inspiring example of citizen action to circumvent out-of-touch politicians.

For 13 years now, Republicans in Congress have blocked efforts to raise the federal minimum wage, leaving it stuck at $7.25 since 2009. Nebraska’s entire congressional delegation — all Republicans — has always opposed the hikes minimum wage. Rep. Adrian Smith, for example, recently attacked President Biden’s $15 federal minimum proposal as “economically harmful.”

Nebraskans see the issue differently.

Voters there approved an increase in the state minimum wage to the same level Biden has proposed — $15 an hour — by 2026. The measure, which sailed with 58% supportwill mean larger paychecks for approximately 150,000 Nebraskans.

Election measures like these can send a healthy wake-up call to political leaders who aren’t listening to their constituents. But some special interests, especially those with deep pockets and driven by narrow profit motives, don’t necessarily want ordinary Americans to be heard.

State legislatures across the country have seen a slew of bills aimed at restricting or eliminating the ballot measurement process. According to Ballot Initiative Strategy Centerthe number of such bills has increased by 500% between 2017 and 2021. Dozens more have been introduced in 2022, including efforts to raise the threshold to pass a ballot measure beyond a one-way vote. simple majority.

The purpose of these restrictions? To undermine the will of the people.

At a time when more and more Americans are worried about the future of our democracy, we should applaud the advocates in South Dakota, Nebraska and elsewhere who engage their fellow citizens in the political decisions that affect their lives. .

We need more democracy. Not less.

Sarah Anderson directs the Global Economy Project and co-edits Inequality.org at the Institute for Policy Studies. This editorial was distributed by OtherWords.org.

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Financing options for Lyft and Uber drivers https://raveweb.net/financing-options-for-lyft-and-uber-drivers/ Fri, 04 Nov 2022 16:14:13 +0000 https://raveweb.net/financing-options-for-lyft-and-uber-drivers/ A rapid increase in the use of ride-sharing apps like Lyft and Uber has provided many job opportunities for people who want to generate income on their own schedule. The best part? These people only need a valid driver’s license and a car to start making money! Unfortunately, there are a few expenses associated with […]]]>


A rapid increase in the use of ride-sharing apps like Lyft and Uber has provided many job opportunities for people who want to generate income on their own schedule.

The best part? These people only need a valid driver’s license and a car to start making money!

Unfortunately, there are a few expenses associated with the role, and maintaining a vehicle to company standards and policies can be a bit costly. This is when Lyft and Uber drivers can consider outside sources of income to supplement their work, such as a Lyft driver payday loan.

Here are some other financing options to consider.

Why Rideshare Drivers Need Funding

Here are three of the most common reasons a Lift or Uber driver may need additional financial assistance:

For emergency funds

Being a driver for Lyft or Uber usually comes with a good financial package, but the job doesn’t come without its own set of significant expenses. For example, owning a car that can then be used for commuting can be quite expensive.

If you consider the cost of car upgrades and maintenance, gas, parking fees and accessories, money can quickly add up and become an unmanageable sum!

Debt Consolidation

This is a common strategy for paying off debt with a single financing solution. It is an ideal solution that helps borrowers to repay a loan amount in full. For a rideshare driver who may have balances with interest rates, debt consolidation may be a good idea.

Buy a new car

Using a loan to buy a new car can be a good way to solve a pretty big problem. After all, having a quality car is an asset as a Lyft or Uber driver. Taking out a loan allows drivers to have a solid source of income without having to dip into their savings or shell out hefty up-front payments.

Are they eligible for loans?

The simple answer is yes, Lyft and Uber drivers are eligible for certain loans.

Unfortunately, unlike contractors, Lyft and Uber drivers may have a harder time qualifying for any type of loan. This is largely due to the unpredictability of the ridesharing industry, stringent documentation requirements, poor credit history, and even employment status.

Types of loans available

There are different types of loans available for Lyft and Uber drivers to choose from and apply for, depending on specific circumstances. We have described some of the most suitable options below.

Payday loans

One of the main buffers to ensure that a car stays in pristine condition is a payday loan. Although this can be a practical solution if they are in a difficult situation, it often comes with higher interest rates which can make repayments much more expensive than they should be.

Secured loans

These have lower interest rates in exchange for collateral types of items. It’s one of the best types of loan a Lyft or Uber driver can get, and it’s good for improving credit scores. Yet, if a loan is not repaid on time, the car may be lost as collateral.

Unsecured Loans

It’s another good option for Lyft and Uber drivers to consider, but it’s much harder to qualify than other types of loans. If they don’t want to put their car under warranty, this is a great alternative.

Loans for bad credit

If rideshare drivers have a bad credit history and are not eligible for secured loans, this is a good alternative. However, it has stricter repayment terms and much higher interest charges as they pose more risk to lenders.

Credit card

It’s the best option for Lyft and Uber drivers looking to fund some bills from time to time. It’s a pretty straightforward route to a line of credit that can be used to make purchases for the car, buy gas, and even pay for needed repairs. However, they must repay the minimum amount before the delegated due date.

Personal loans

Lyft and Uber drivers can apply for personal loans in any situation. If they have collateral or decent credit, they can receive much lower rates on whatever loan they get. Whether they want to finance car repairs or buy months worth of fuel for the car, a personal loan can be a very useful tool!

Other financing options to consider

Instead of resorting to quick cash loans or payday loans with high interest rates and fees, here we have listed the various alternative funds that drivers can apply for.

Credit line

Sometimes a borrower does not need to take out a loan but still does not have enough money should an emergency arise. This is where a strong line of credit will come in handy. It provides Lift and Uber drivers with a comfortable cushion of funds to cover maintenance costs and other relevant purchases.

Cash advance

If a Lyft or Uber driver has bad credit, a cash advance may be the answer. It is not a loan, but rather a calculated cash amount that is given to the driver based on all of their future earnings.

Alternative Small Business Lending Platforms

There are many companies that might be willing to offer more suitable loans for small businesses operating in the economy, such as Lift and Uber drivers.

Depending on which lender they choose to go with, drivers could receive a loan of $10,000 and an additional $15,000 in the form of a line of credit.

These lenders usually charge higher interest rates, which can put anyone in a more difficult financial situation.

Summary

There is no doubt that being a Lyft or Uber driver can sometimes be quite an expensive task. Fortunately, drivers no longer have to shell out money out of pocket to cover work-related expenses. This is because there are many suitable financial alternatives.

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Getting ‘stuck’ with payday loans https://raveweb.net/getting-stuck-with-payday-loans/ Sat, 29 Oct 2022 11:03:45 +0000 https://raveweb.net/getting-stuck-with-payday-loans/ Image courtesy of Pixabay By JESSICA LOVECourtesy of Indiana Capital Chronicle Have you ever had your car or truck stuck in the mud; and the harder you try to get out, the deeper your tires sink? I have. So, I know from experience: unless you have the luxury of waiting for things to dry, you’re […]]]>
Image courtesy of Pixabay

By JESSICA LOVE
Courtesy of Indiana Capital Chronicle

Have you ever had your car or truck stuck in the mud; and the harder you try to get out, the deeper your tires sink? I have.

So, I know from experience: unless you have the luxury of waiting for things to dry, you’re going to need some help – a push or a pull – to get unstuck.

And you’re probably going to feel a little embarrassed. I mean, technically, even if you had no intention of getting stuck, no one else was driving. Either you didn’t see the danger in front of you, or you thought it wouldn’t be so bad to go through it.

Even if you didn’t have a good way around it, or if you calculated the risk and thought you could get away with it, the fact remains that it happened and you were “at fault”. Thinking back on it, you wish you had done something other than the fix you were looking for – the one that caused your “tires to sink deep in mud and mud” (for others little blue truck fans).

Now imagine that the vehicle you are thinking of represents your family’s financial health and the process of “no longer stuck” as a result of choosing the option to solve your short-term problem yourself – instead of asking for help. or not to think of you had other options – represents a payday loan. The “solution” then becomes a bigger problem to solve than the original problem.

That’s about where the analogy ends, since muddy patches don’t have business models designed to keep you stuck like payday lenders do. It’s by locking people in more that the profits are really made, where the interest rate eventually hits 391% in Indiana. And you really need to find a solution to your solution.

This is why I often refer to the payday loan industry as one of the most subsidized markets in existence – because government and non-profit resources are so often needed to lift people out of disasters caused by payday loans.

What if it didn’t have to be like this?

One way forward is policy change. Right now, the burden is largely on Congress, and your legislative outreach will help make the Fair Credit Act for Veterans and Consumers
– to cap all personal loans at 36% – a reality. You can also ask your state legislators to impose a 36% cap. But until and even after the legislation is passed, many Hoosiers will still need a more responsible way to borrow.

What if there was another route?

What if most of the 88% of Hoosier voters polled who said they would like to see Indiana have a 36% wage rate cap — who are able to provide another way — have paved the way for a solution alternative for their employees and co-workers?

The impact, to reinforce my analogy, would be shattering for Hoosier families who lack the resources to weather a financial shock.

A specific “bypass” – previously available in only 23 counties – recently became available statewide. If you’re a business owner, or an HR representative, or just someone who wants to talk to your boss about providing a financially viable option to those in your workplace, the solution I present to you is the Community Loan Center program.

It is a small, affordable, employer-focused loan program. So what’s the problem ?

Well, as difficult as it may seem, there really isn’t. For companies registered in the program, the CLC program is offered as a benefit at no cost to the employer. Employers literally only have to: 1) confirm employment when a loan is requested and 2) set up a payroll deduction in accordance with the employee’s repayment plan. By doing so, they instantly gain employees who are less stressed and more present for their work.

Made available through non-profit organisations, this affordable 12 month loan is designed to get people into or out of debt instead of trapping them. (CLC loans can be used to repay payday loans.) The reason is simple: nonprofit providers offering this program would rather focus their resources on improving a family’s economic trajectory than on bail out from the earthquake that stems from a payday loan.

Just consider how you could bring this alternative to your workplace
— and actually help solve a co-worker’s short-term financial problem in a way that makes it manageable and gets people out of trouble without getting stuck.

Jessica Love is Executive Director of Prosperity Indiana, a statewide membership organization for individuals and organizations that strengthen Hoosier communities.

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The Federal Court deals a blow to the Consumer Financial Protection Bureau https://raveweb.net/the-federal-court-deals-a-blow-to-the-consumer-financial-protection-bureau/ Mon, 24 Oct 2022 11:36:16 +0000 https://raveweb.net/the-federal-court-deals-a-blow-to-the-consumer-financial-protection-bureau/ A federal appeals court has just ruled that a powerful financial services watchdog group’s funding scheme is unconstitutional, dealing a blow to the agency. Additionally, the agency’s 2017 banking regulations on lenders offering low-value loans (i.e. payday loans) are out. Supporters of the watchdog group will make the decision an open door for lenders to […]]]>

A federal appeals court has just ruled that a powerful financial services watchdog group’s funding scheme is unconstitutional, dealing a blow to the agency. Additionally, the agency’s 2017 banking regulations on lenders offering low-value loans (i.e. payday loans) are out.

Supporters of the watchdog group will make the decision an open door for lenders to prey on consumers. We don’t buy it. As with other major issues, Congress is too willing to cede its authority to unelected and unaccountable bureaucrats. Turning a blind eye as agencies enforce damaging regulations does nothing to benefit consumers.

What happened

Imagine Congress creating a federal agency with immense power to wield against Americans, but limited by little oversight or accountability.

The Consumer Financial Protection Bureau (CFPB) is the epitome of such an agency. Designed by Democratic Senator Elizabeth Warren to be a highly independent financial services watchdog, the CFPB was created during the Obama era as part of Dodd-Frank. Democrats separated CFPB funding from the Congressional appropriations process by handing the purse strings to the Federal Reserve.

The left may have thought this was a smart way to funnel unlimited funds to this agency to tackle the lending industry without Congress getting too involved. But that’s exactly what a federal appeals court has ruled against Congress’ own constitutional responsibilities.

A three-member U.S. 5th Circuit Court of Appeals in New Orleans has ruled that the CFPB’s independent funding program violates the separation of powers principles of the U.S. Constitution.

In his opinion, the Court explained that the CFPB differs from a “large majority” of executive agencies in its mode of financing. First, the Federal Reserve writes a check to the CFPB for anything the agency director requests. Second, the Federal Reserve’s source of funding is outside of the appropriation process.

Thus, Congress did not simply cede direct control of the Bureau’s budget by isolating it from annual appropriations or other time-limited appropriations. He also ceded indirect control by providing that the Bureau’s self-determined funding comes from a source that is itself outside the appropriations process – a double insulation of the Congressional purse strings that is “unprecedented” in the world. entire government.

Moreover, this agency has sweeping powers that make Congress’ lack of control over its funding all the more striking:

It acts as a mini-legislature, prosecutor, and court, tasked with creating substantive rules for a wide range of industries, prosecuting violations, and imposing knee-deep penalties against individuals. … An expansive executive agency insulated (no, double-insulated) from the purse strings of Congress, expressly exempt from budget review, and headed by a single director removable at the whim of the president is the epitome of unifying the stock exchange and of the sword in the executive – an abomination, the authors warned, “would destroy that division of powers on which political liberty is founded.

As such, the court held that the CFPB was “an innovation with no roots in history or tradition”.

Additionally, the court struck down the CFPB’s payday loan rule finding that the agency effectively had no legal way to enforce it without using unconstitutional funding.

What does that mean

The invalidation of the payday loan rule is a good result. As we wrotethe CFPB tried to crack down on the lending industry by implementing this rule that would deny women, un/underbanked, and low-income Americans access to credit when they need it.

The big picture is that the CFPB has been brought to its knees. This decision will likely be appealed to the Supreme Court. However, this decision deeply reduces the power of the agency.

No wonder Senator Warren threw a fit. She lambasted the decision, engaged in fearmongering about the consequences of the decision, and then vilified the court as a group of “right-wing” extremists.

The editorial board of the the wall street journal Explain implications of this decision:

The CFPB decision continues the trend of originalist judges who attempt to restore the correct understanding of the separation of powers of the Constitution. This means reining in the administrative state and requiring Congress to reassert its powers by writing specific laws and funding the government.

By creating the CFPB, Congress abdicated its duty and created an agency that has too much irresponsible power. The Fifth Circuit has done its duty to name the CFPB as the illegitimate child of Congress.

We couldn’t agree more.

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Pet Sitting Checklist: How to Make Sure Your Pet Is in Safe Hands https://raveweb.net/pet-sitting-checklist-how-to-make-sure-your-pet-is-in-safe-hands/ Thu, 20 Oct 2022 20:48:51 +0000 https://raveweb.net/pet-sitting-checklist-how-to-make-sure-your-pet-is-in-safe-hands/ Leaving a beloved pet behind, whether for a few hours or on vacation, is something many pet parents have to deal with in their lifetime. In the care of a pet sitter, it is essential to ensure that they know what to do in an emergency and when veterinary care may be needed. It’s there […]]]>

Leaving a beloved pet behind, whether for a few hours or on vacation, is something many pet parents have to deal with in their lifetime. In the care of a pet sitter, it is essential to ensure that they know what to do in an emergency and when veterinary care may be needed.

It’s there that Fur just created a Pet Sitter Checklist, an insurance marketplace, and launched a one-of-a-kind pet debit card to pay vet bills.

After facing a health crisis with her cat Simba as a student, CEO and co-founder Catherine Denig had to make the heartbreaking decision to let her pet go when the cost of treatment of $12,000 was simply more than she could bear. It was this experience that led to the creation of Fursure.

“We are motivated every day knowing that we can help prevent pet owners from finding themselves in the same devastating situation by giving them the knowledge and resources they need to make smart financial decisions,” says Dennis.

Since launching in 2020, Fursure has attracted over 60,000 pet parents in all 50 states. The Fursure card is growing rapidly and currently supports over 2,300 checking accounts since its launch in April this year. They have one mission: to help the millions of pet owners across the United States take the best care of their furry friends.

Fursure Pet Sitter Checklist

As travel resumed after the pandemic, Dennig and his team found that airlines and hotels were making it harder and more expensive to travel with pets. They started thinking about the thousands of animals left in the hands of sitters (there are an estimated 185 million pets in America) and the essentials pet sitters needed to know. This is how their Pet Sitters Checklist was born.

  1. Make sure your pet’s insurance policy information is easily accessible. The most important: the name of the insurance company and the policy number of the animal.
  2. Know how bill payments are processed. Its very important. Some policies will pay the vet in full or up to a point. But some will charge you out of pocket and refund you later – not ideal for your pet sitter. You can always leave some money for an emergency or consider getting Fursure Debit Card. Add cash to your account so your sitter has it on hand in case of an emergency, and there’s no question who foots the bill.
  3. Leave the name, location and phone number of your veterinary clinic as well as the name of your preferred veterinarian.
  4. Leave information for the nearest veterinary emergency.
  5. A list of local emergency contacts (friends or family who live near your pet sitter or boarding house) and a list of people who can reach you, the pet owner. It is important to give more than your mobile number. Include a landline, the number of someone you’re traveling with, etc.
  6. Allow someone you trust to make decisions on your behalf. Don’t waste precious time.

pet insurance market

In addition to the checklist, Fursure.com was originally launched as a pet insurance marketa free resource that helps pet owners find the right policy for their household from all the major providers.

“We make finding the right pet insurance policy stress-free,” says Dennig. “We’ve modernized the buying process and helped thousands of pet owners save time, money and give them confidence knowing they’re protecting their whole family.”

So how does it work? Fursure starts by explaining everything you need to know about pet insurance – i.e. what is covered and what is not covered, what the different terms mean, how providers compare and what factors are important when buying a plan. From there, they will offer personalized recommendations and advice on the best policy for each client and situation.

“Right from the start, we make sure you know how much you’ll pay your provider for your coverage, help you get your policy, and provide an end-to-end solution for policy management and renewals,” says Dennig. “And, the best part – it’s completely free for pet owners,” says Dennig.

Pet debit card

The Furry Card, the company’s latest offering, launched in April 2022, is the first debit card that rewards pet owners for the care they give their pets. With the card, customers earn 5X points for every dollar spent on pet supplies. Additionally, 1x points are earned for other purchases like groceries, restaurants, travel, and other things.

All points earned with the Fursure Card are redeemable for all veterinary care – from basic exams and teeth cleanings to serious accidents and illnesses. Plus, customers can take their pets to the vet and pay the bill with the card, instantly redeeming their points for that transaction.

The requirements to apply for a debit card are: 18 years or older, reside in the United States and have a physical address, Social Security Number or tax identification number. The Fursure Card is FDIC insured up to $250,000, has no annual fee, and unlike a credit card, such as CareCreditno credit check is required to apply.

“Our mission at Fursure is to ensure that all pets have access to the care they need, without it becoming a financial decision,” says Dennig. “We are rewarding and empowering pet owners across the United States to financially prepare for veterinary expenses with the launch of our Fursure Card.”

give back

Dennig also notes how many animal rescue organizations are faced with the need to cover the cost of vet bills and support this community through their Vet & Rescue partnership program. They make donations to partner vets and rescues for new client referrals, which can then be used for their vet spending needs.

“We are here to support all the programs that dedicate their time to saving animal lives every day,” she says. on Medium.com.

As more and more Americans travel again or need daily care for their pets, it’s important to make sure their pets are cared for and ready in case of an emergency. Creating a pet care checklist and having an insurance plan in place will go a long way to ensuring your furry family members are prepared for an emergency. Obtaining a debit card specifically for vet bills will also ensure that cost never becomes a factor in caring for a furry family member. Leave with peace of mind for Fido or Fifi.

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What can I do to protect my finances against the recession? https://raveweb.net/what-can-i-do-to-protect-my-finances-against-the-recession/ Mon, 17 Oct 2022 09:04:16 +0000 https://raveweb.net/what-can-i-do-to-protect-my-finances-against-the-recession/ What can I do to protect my finances against the recession? | The star “,”heading”:””,”fullWindow”:false,”fullBleed”:false,”showFullBleedOnMobile”:false,”headColor”:””,”type”:”html5mobile”,”textColor”:””,” mobileImageUrl”:””,”bgColor”:””,”imageUrl”:””,”registeredOnly”:false,”linkUrl”:””,”aodaTitle”:”How Canadians are cutting back on spending to save as a recession looms”,”internalScroll”:false,”displayStyle”:”small-up”},{“text”:”If you’re worried about losing your job, your emergency fund should consider not just wages, but also things that your company would have covered. “That could mean prescriptions, […]]]>

What can I do to protect my finances against the recession? | The star

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Recession protection involves calculating your monthly expenses and saving several months where you can get it easily.Recession protection involves calculating your monthly expenses and saving several months where you can get it easily.

Economists say we are headed for a recession. Here’s how to guard against bad news.

Around 80 percent of Canadians fear a recession will occur by the end of the year. Although you can’t fully protect your finances against recession, there are a few steps you can take to protect your funds in the event of an economic downturn.

As recession risk rises, personal finance expert Rubina Ahmed-Haq recommends avoiding expensive purchases, such as a car or vacation.

“That big purchase might seem good now, but six months from now you might wish you had saved that $5,000.”

Instead, put that money into an emergency fund, Ahmed-Haq says. To figure out how much you’ll need, she recommends writing down your necessary expenses for three months, including grocery and utility bills. Then calculate your monthly average from this amount. Ideally, your emergency fund should cover three to six months of expenses.

If you’re worried about losing your job, your emergency fund should take into account not only wages, but also expenses that your business would have covered. “That could mean prescriptions, dental, vision care and life, critical illness and disability insurance,” says a money expert Jessica Moorhouse. “Build some of these costs into your emergency fund so you can still afford to visit the dentist or buy private insurance while you’re between jobs.”

You don’t have to put your emergency funds in a checking account. Ahmed-Haq suggests putting it in an investment account that isn’t an RRSP or TFSA, which will likely pay you better than a high-interest savings account. Money market accounts are highly liquid, which means you can easily withdraw that money, she adds.

Next, tackle your high-interest debt—debt with 10% or more annual interest—to free up cash. This includes prioritizing credit card debt and payday loans. After you have an emergency fund in place and a plan to pay off high-interest debt, you can focus on investing for your future, Moorhouse says.

“Focus on saving rather than spending until we can start to see prices return to normal levels,” Moorhouse says. “One thing I’ve seen a lot of people do recently is challenge themselves to do a ‘spend-free month’ where they only spend money on essentials to see how much extra money they can save instead of spend.”

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Buy now, pay later https://raveweb.net/buy-now-pay-later/ Fri, 14 Oct 2022 21:03:13 +0000 https://raveweb.net/buy-now-pay-later/ If a retailer offers the option to pay using a “Buy Now, Pay Later” app, you may be able to buy more than you normally would. You will request it at the point of sale and, if approved, the purchase will be divided into equal installments. In some cases, the payments are minimal and do […]]]>

If a retailer offers the option to pay using a “Buy Now, Pay Later” app, you may be able to buy more than you normally would. You will request it at the point of sale and, if approved, the purchase will be divided into equal installments. In some cases, the payments are minimal and do not include high fees or interest.

Buy Now, Pay Later apps provide an affordable and convenient way to shop. Some BNPL companies also report to credit bureaus to help you establish credit, assuming you make timely payments. Still, they might not be the best option for you, as you might be tempted to overspend and incur significant penalties if you fall behind on your payments.

Here are the best apps to buy now, pay later if you’re in dire financial straits and need to make a big purchase:

To affirm Affirm Pay in 4: No interest charges or late payment penalties

Monthly payments: APR up to 30%

4.7/5.0 4.9/5.0
After-payment Pay-in-4 orders: Late payment fee up to 25% of the purchase price 4.6/5.0 4.9/5.0
PayPal Pay in 4 No interest charges or late penalties 4.3/5.0 4.8/5.0
Perpay No interest charges or late penalties 3.4/5.0 4.7/5.0
Sezzle No interest charges

Rescheduled payment fees, failed payment fees and convenience fees may apply

$10.00 reactivation fee if your account is deactivated due to non-payment

4.7/5.0 4.9/5.0
Zip (formerly Quadpay) $4.00 payout fee per order (or $1.00 per payout)

Late penalty up to $7

4.3/5.0 4.9/5.0

To affirm

Affirm is a buy now, pay later option that avoids late penalties, making it a top choice for consumers. It’s accepted at over 29,000 retailers nationwide, and you can make purchases interest-free by selecting the four installment payment plan. But if you opt for the monthly payment option to get a longer repayment period and a credit limit of up to $17,500, your purchases could earn interest. There’s an upside, though, because Affirm charges simple interest that keeps your balance from growing over time.

Advantages:

  • Accessible online or via mobile app (for in-person purchases)
  • No interest charges on purchases made with Affirm Pay in 4
  • Create a credit with the monthly payment option
  • No late penalties

The inconvenients:

  • Purchases made with the monthly payment option may be subject to interest
  • Late payments could hurt chances of future approvals
  • Payments made on Affirm Pay in 4 cannot help build your credit

After-payment

Afterpay is another buy now, pay later app that lets you shop now, but you’ll pay over six weeks in four interest-free installments. It can be used for online purchases or you can pay at participating outlets using the virtual card. Additionally, you can change the due date of an upcoming payment without incurring any penalties. You can get started with Afterpay without affecting your credit score, as the app only does simple credit extraction.

Advantages:

  • No interest on purchases
  • Soft pull when requesting an account
  • Buy online or in stores
  • Earn rewards by shopping with Afterpay and paying on time

The inconvenients:

  • Late payment penalty of up to 25% of the purchase amount
  • First payment required at point of sale
  • Does not help establish credit, as timely payments are not reported to credit bureaus

PayPal Pay in 4

You can use PayPay Pay in 4 to split purchases between $30 and $1,500 to make them more affordable. The first payment is due at the point of sale and the other three are due every two weeks. This payment option has no registration fees or interest charges, and you will not be subject to late payment penalties.

Advantages:

  • No interest charges or late payments on purchases
  • Accepted at millions of online retailers
  • No credit check required
  • Includes purchase protection to protect your information

The inconvenients:

  • Only available in certain states
  • Not accepted for in-store purchases
  • Purchases capped at $1,500

Perpay

Perpay is a “Buy Now, Pay Later” app that gives consumers the best of both worlds: you can make daily purchases and pay over time while building your credit. You may be approved with less than perfect credit because there is no credit check. The average user sees a 39 point boost while using the app, and payments are automatically deducted from your paycheck to make managing your account easier. Payment history is reported to major credit bureaus to help improve your credit health.

Advantages:

  • No credit check
  • Interest-free purchases payable over time
  • Consumers with bad credit may qualify
  • Access higher spending limits and more affordable payments over time

The inconvenients:

  • Purchases must be made through Perpay’s marketplace
  • Reimbursement limited to direct deposits via payroll
  • Shipping delayed until first payment is received

Sezzle

Plus an interest-free buy now, pay later option, Sezzle is quite flexible as you can enjoy a generous credit limit of up to $2,500 and make four interest-free payments over six weeks. Plus, you’ll have the luxury of deferring one payment per purchase for up to two weeks without incurring additional fees. You can also defer later payments to meet your needs, but fees will apply.

Advantages:

  • Can be used online or in person at over 45,000 stores
  • Flexible credit check that won’t affect your credit score
  • No interest charges or late fees

The inconvenients:

  • 25% deposit requirement
  • $10 reactivation fee for deactivated accounts
  • May be subject to failed payment or convenience fees

Zip (formerly Quadpay)

Formerly known as Quadpay, Zip can be used online or in-store with a virtual card where Visa is accepted. You will repay what is due in four installments over six weeks, with the first installment due at checkout. There is no credit check when you apply, and account activity will not impact your credit score since Zip does not report to major credit bureaus.

Advantages:

  • Instant Approvals
  • No interest charges on purchase
  • Good credit is not necessary
  • No unfavorable credit reports for late payments

The inconvenients:

  • First payment due at checkout
  • $4 installment fee per order
  • Late fees up to $7

Be sure to weigh the pros and cons of buy now, pay later applications before applying for a loan.

Advantages

Consumers often prefer this payment method over others because of its convenience. You will find that it is more readily available than a credit card or personal loan, especially if you have bad credit.

Plus, it’s relatively simple to apply, and you’ll know immediately if you’re approved, along with the terms of the payment plan. Another big plus is that many applications don’t do a thorough credit check — which could lower your credit score — when you apply.

The inconvenients

Despite their streamlined application process and simple payment plans, these apps have some downsides that are worth considering. For starters, you could easily become overburdened if you overspend and have trouble keeping up with payments, which can lead to late fees and unfavorable credit reports.

Some apps report on-time payments to credit bureaus, but others don’t. So even if you make timely payments or prepay the loan, your credit health might not reap the benefits.

When evaluating buy now, pay later apps to find the best option, consider these factors:

  • Availablity: Can the app be used online and in-store, or is it limited to one or the other?
  • APR and fees: Does the app charge interest or fees on purchases? Are there any late penalties or prepayment charges?
  • Interest rate: If so, are the interest rates comparable or lower than other paid apps?
  • Repayment Terms : How long are the repayment periods? Will you repay in equal installments, and how often?
  • Credit report: Are on-time payments reported to major credit bureaus to help you build your credit? If not, are late payments reported?

If you’d rather explore other options before deciding to buy now, pay later, here are a few worth considering:

  • Personal loan: This debt product gives you an extended repayment period and a more affordable monthly payment. However, you will probably pay a lot more interest. Also keep in mind that the longer the term of the loan, the higher the borrowing costs.
  • 0% Interest Credit Card: You can make interest-free purchases during the APR promotional period, usually between 12 and 24 months. Be sure to pay the balance in full before it expires or interest will start to accrue and be added to the outstanding balance.

At the end of the line

A buy now, pay later app can ease the financial stress if you need to make a purchase but don’t have the necessary funds. The application process is often transparent; you can start making purchases immediately if approved. Still, these apps aren’t without their downsides, so you should do your homework and compare options before deciding which app to use or whether a funding alternative, like a personal loan or a 0% interest credit card, would work. better suited.

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