Manufacturing company – Converse Shoes http://converseshoes.org.uk/ Mon, 09 May 2022 05:49:33 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://converseshoes.org.uk/wp-content/uploads/2021/07/icon-150x150.png Manufacturing company – Converse Shoes http://converseshoes.org.uk/ 32 32 Mother awaiting heart transplant shares her story https://converseshoes.org.uk/mother-awaiting-heart-transplant-shares-her-story/ Sun, 08 May 2022 09:01:17 +0000 https://converseshoes.org.uk/mother-awaiting-heart-transplant-shares-her-story/ Share on PinterestAfter giving birth to her second child, Zuleyma Santos was diagnosed with a rare form of heart failure and placed on the waiting list for a heart transplant. Photograph courtesy of Padilla Co Mother of two, Zuleyma Santos, works with the American Heart Association to raise awareness of the dangers of heart disease […]]]>

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

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

On paper, one would think Zuleyma Santosnow 37 years old, had it all.

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

This should have been the time of his life.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Then summer came. In July, she was struggling,

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

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

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

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

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

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

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

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

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

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

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

“This underscores the importance of recognizing this condition and heart disease in general,” Dr. Eugene DePasqualea cardiologist with USC Keck Medicinewho treats Santos, told Healthline.

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

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

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

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

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

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

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

Santos came home with this backpack loading her HeartMate Pumpwho will do the work of a heart until she receives a transplant.

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

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

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

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

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

Still, Santos is grateful and positive.

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

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

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

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

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

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

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

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

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

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

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Best Direct Online Payday Loans In America | Best No Credit Check Loans With Guaranteed Approval | Same day and installment loans https://converseshoes.org.uk/best-direct-online-payday-loans-in-america-best-no-credit-check-loans-with-guaranteed-approval-same-day-and-installment-loans/ Fri, 06 May 2022 18:41:16 +0000 https://converseshoes.org.uk/best-direct-online-payday-loans-in-america-best-no-credit-check-loans-with-guaranteed-approval-same-day-and-installment-loans/ find a loan for bad credit with a low interest rate is everyone’s first priority. After all, while having bad credit, who would like to pay extra interest on emergency loans. So are you looking for a bad credit loan with a low interest rate? Want to know who to turn to if you need […]]]>


find a loan for bad credit with a low interest rate is everyone’s first priority. After all, while having bad credit, who would like to pay extra interest on emergency loans. So are you looking for a bad credit loan with a low interest rate? Want to know who to turn to if you need an emergency loan? Lucky for you, you’ve come to the right place! In this article, we are going to discuss the top 3 companies offering bad credit loans on flexible terms.

With advancements in digital technology, lending has become easier than ever with the growing number of online lenders. However, with the increasing options come the technicalities to be aware of in order to get the most out of a bad credit loan.

Online lenders must ensure that borrowers will be able to repay the loan on time. To get a rough estimate of this, they analyze your credit score to assess your financial performance. As a firm credit inquiry lowers the credit rating, many people try to avoid this. So what if a credit check is not possible and a loan must be taken out at all costs? The answer is short and simple; search for a loan without a credit check. Gone are the days when a good credit score was the necessary condition for taking out a loan. You can now find several online lenders offering loans for bad credit without the need for a credit check.

The best thing about the online loan is that it not only helps you get emergency funds but also boosts your credit score. If you repay the loan on time, you can improve your credit score. Besides, you can also avail different financial services such as debt relief and credit repair.

After extensive research, we have selected and reviewed the top 3 loan for bad credit lenders in America for the year 2022. These lenders are rated positively by their customers and our surveys have shown them to be the best at their game.

Top 3 Best Bad Credit Lenders in America

In this article, we have briefly discussed the 3 best no credit check lenders in 2022. Starting from their detailed descriptions for a quick summary of their main features and ending with the pros and cons of dealing with them, we have tried to put it all in one word. So without further ado, let’s go!

  1. MoneyMutual : Best in all aspects

  2. FondsJoy : Fastest bad credit loan provider

  3. BadCreditLoans : Best lender without credit check

Whenever we talk about bad loans, MoneyMutual is the first name that comes to mind. With over a decade of experience in this industry, they have helped over 2 million people by providing emergency loans and various financial services. One of the main reasons for their growing popularity is that they do not require a full credit check from loan applicants.

MoneyMutual: It is completely free to submit the application and receive a loan on MoneyMutual, their profit only comes from the lender on their website. One important thing to remember is that MoneyMutual only serves as a link between borrowers and lenders; therefore, they do not guarantee you a loan offer. It is up to the lenders to decide whether they want to deal with you or not. Therefore, whatever your requirements, be sure to discuss them in detail with the lender so that they can provide you with a loan offer accordingly.

Summary

The main features of MoneyMutual are:

  1. Serves as a bridge between lenders and borrowers

  2. Full credit checks are not required

  3. The application form and the loan process are fully online

  4. Short term loans of up to $5,000 can be obtained

  5. Detailed information is provided on both parties so that they can decide whether or not to proceed with the transaction

Advantages

  1. Has been continuously ranked as the best bad credit lender for the past few years

  2. Reputable organization with excellent customer service

  3. Short application process that only takes a few minutes to complete

  4. Transfer of funds is provided within 24 hours

The inconvenients

Doesn’t work in a few states like New York

Client experience

As evidenced by MoneyMutual’s consistent positive rating, customers love the services they provide. Their fast application process, instant approvals, and fast fund transfer are some of the many features their customers love.

=> Visit the official MoneyMutual website now for more information!

FondsJoy : One of the fastest and most reliable emergency loan providers in 2022 is FundsJoy. It is a relatively new company, but many people have started using it as a referral lending platform whenever the need arises. Their short and easy application process is their main highlight feature and is appreciated by their clients.

Summary

The main features of FundsJoy are:

  1. Loans up to $5000 can be borrowed

  2. Application form that only takes 5 minutes to complete

Advantages

  1. Automated software for processing requests

  2. The application form can be filled on all types of gadgets

  3. Fast processing of requests is ensured by electronic signatures

The inconvenients

  1. Not as famous as other lenders such as MoneyMutual

Client experience

Customers report that compared to other lending websites, FundsJoy’s designed application form is quick and short. The user interface is perfectly designed to ensure that it is understandable by all types of users. Due to the flexibility of the electronic signature, the request is quickly approved and the transfer of funds is ensured within 24 hours.

=> Visit the official FundsJoy website now for more information!

BadCreditLoans is the third most popular lending platform among people with bad credit. Much like MoneyMutual, they provide free services to borrowers and connect them to a large network of lenders, each offering loans on varying terms.

Since people with bad credit scores cannot afford to have a firm credit check, BadCreditLoans does not require them to have one. Hence, it is easier for such people to get cash when needed.

The lenders on this platform are independent and have the power to design the loan offers themselves. Therefore, be sure to negotiate with the lender to customize the deal to suit your needs.

This company provides detailed information about lenders and borrowers so that both parties can decide whether or not to deal with each other.

Summary

The following points will give you an overview of the main features of BadCreditLoans:

  1. Provides detailed information on lenders and borrowers

  2. Company-standard encryption technology protects your personal data

  3. Free services

  4. Negotiation with lenders is allowed after completing the application form

Advantages

  1. Free services for lenders

  2. Analyzing the credibility of a lender is easy thanks to the detailed information provided by the platform

  3. Credit requirements are not high

  4. Loans of $500 to $5,000 can be borrowed

  5. It is possible to compare the loan offers of several lenders

The inconvenients

  1. Only people with good credit scores can get huge loans

Client experience

Like everything in our lives, we don’t want a complicated application form to apply for a loan. BadCreditLoans understands this! Customers love the short and easy application form that only takes a few minutes to complete. If you are looking for a no credit check loan, BadCreditLoans is your place to go!

= > Visit the official BadCreditLoans website now for more information!

We hope that after reading our review of the best bad credit loan lenders, you now have an idea of ​​where to go in case you need an emergency loan. Whatever your needs, make sure you understand all aspects of the loan offer and have the ability to repay it on time.

If we talk about a best emergency loan provider in 2022, MoneyMutual has no match. Their vast network of lenders, simple application process, and excellent customer service are popular with borrowers across America. You can obtain several types of loans on this platform with varying conditions. So if you are looking for an emergency loan, visit the MoneyMutual website, submit an application, compare loan offers, negotiate with the lender and have your funds transferred within 24 hours!

You might also be interested in reading: Best loans without credit check for May 2022

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“Buy now, pay later” plans come with pricey catches https://converseshoes.org.uk/buy-now-pay-later-plans-come-with-pricey-catches/ Thu, 28 Apr 2022 15:32:17 +0000 https://converseshoes.org.uk/buy-now-pay-later-plans-come-with-pricey-catches/ Buy Now, Pay Later (BNPL) plans are increasingly being offered as a convenient credit alternative that allows purchases to be made in installments, typically four payments over six weeks. The so-called “fintech” (financial technology) companies that offer these plans often advertise them as offering consumers interest-free payments without impacting credit scores. But consumer groups and […]]]>

Buy Now, Pay Later (BNPL) plans are increasingly being offered as a convenient credit alternative that allows purchases to be made in installments, typically four payments over six weeks. The so-called “fintech” (financial technology) companies that offer these plans often advertise them as offering consumers interest-free payments without impacting credit scores.

But consumer groups and economic justice organizations point out that these financial products that already reach 8.42 million consumers may be just another explosive form of predatory lending that exploits unsuspecting consumers through a lack of transparency that usually leads to confusion about the true terms and consequences that come with the product. Without effective regulation, millions more consumers could be financially duped by the BNPL.

Consumers can use BNPL offers from companies such as Affirm, Klarna, PayPal Pay in 4 and Sizzle, as well as others at physical stores like Macy’s, Footlocker, Target and Walmart, and online retailers like Amazon.

BNPL purchases require direct debit or credit card charges. Since each BNPL purchase comes with its own set of payment due dates – unlike the fixed payment date of a credit card bill – these ongoing deductions can easily result in additional bank charges for consumers in case of insufficient funds and overdrafts. And many BNPL transactions do not automatically come with the product return and/or fraud protections offered by credit cards. Instead, these credit terms are currently at the discretion of BNPL’s suppliers. As a result, consumers may find themselves without merchandise, while their money is still taken from debit or credit card accounts.

Complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau noted several consumer issues, including lack of information about initiating disputes, delays in receiving refunds, and continued demand for refunds BNPL lenders.

Last November, Marisabel Torres, California policy director for the Center for Responsible Lending, told Congress that BNPL loans are generally designed to avoid coverage under the Truth in Lending Act (TILA).

“This law excludes from the definition of “creditor” anyone who grants a credit which does not require a financial charge and is repayable in four installments or less…. The fact that this is a “free credit” product begs the question: what is the problem? Torres said. “It turns out there are a number of captures – some demonstrable, some potential – that require regulatory attention and response.”

Proponents say many adverse effects could be avoided if BNPL lenders were required to verify a consumer’s ability to repay before the first loan was made. Instead, as with payday loans, each billing cycle tends to worsen, rather than improve, the borrower’s financial situation, dragging them deeper into the debt trap.

Just a month later, in December 2021, consumer and economic justice advocates applauded the CFPB when it announced it would open an investigation into the BNPL’s big lenders.

“By opening this investigation, the Office of Consumer Affairs is taking an important first step in understanding this industry and preventing harm to consumers,” said CRL’s Torres.

Without vigilant oversight and proper regulation, warn Torres and other advocates, products promising to promote financial inclusion could instead exacerbate financial exclusion.

Last March, a coalition of 77 organizations representing national consumer organizations and advocates from 16 states and the District of Columbia sent a letter urging the CFPB to treat BNPL as a form of credit and subject lenders offering the products to regulation under appropriate consumer financial protection laws. like TILA. This law requires responsible underwriting, disclosure of fees, and the ability to dispute billed items.

Without regulation, the growing use of BNPL could lead to further financial harm for consumers, especially those with the least financial resources.

Charlene Crowell is a senior researcher at the Center for Responsible Lending.

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Cash On Your Mobile indicates the benefits of fast cash loans https://converseshoes.org.uk/cash-on-your-mobile-indicates-the-benefits-of-fast-cash-loans/ Tue, 26 Apr 2022 03:59:43 +0000 https://converseshoes.org.uk/cash-on-your-mobile-indicates-the-benefits-of-fast-cash-loans/ Cash On Your Mobile is a premier financial broker offering fast cash loans. In a recent update, the agency shared the benefits of fast cash loans. Brisbane – 25 April 2022 – Cash On Your Mobile in a post on the website highlighted the benefits of fast cash loans. The most important benefit of getting […]]]>

Cash On Your Mobile is a premier financial broker offering fast cash loans. In a recent update, the agency shared the benefits of fast cash loans.

Brisbane – 25 April 2022 – Cash On Your Mobile in a post on the website highlighted the benefits of fast cash loans.

The most important benefit of getting fast cash loans in brisbane is the easy online application process available anytime, 24/7. Fast loan providers like Cash on Your Mobile use an internet-based application process which makes the service faster and more convenient.

Today’s technological advances have been used by fast loans Brisbane providers to ensure funds can be made available in the bank account within 24 hours. Once the client completes the application process and is approved, the money will be transferred as soon as possible.

One of the best things about applying for fast cash loans in brisbane gets flexible repayments that a lender can give, meaning the customer can have the flexibility to set how much they want to pay on each repayment schedule. Usually customers can do this by adjusting the number of installments they wish to repay the loan.

About Cash on your mobile

Cash on your mobile is a friendly financial broker and a helping hand for cash-strapped people. The agency offers access to lenders with payday loans ranging from $400 to $50,000 and can usually get the money into the customer’s account within 60 minutes (depending on the bank). Whether someone wants extra cash to boost business cash flow or for personal use, the team is ready to help by providing a safe and fast payday loan.

Media Contact
Company Name: Cash on your mobile
Contact person: james clark
E-mail: Send an email
Call: (173) 554-1338
Address:Level 1/16 McDougall Street, Suite 437
City: Milton
Country: Australia
Website: https://cashonyourmobile.net.au/

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Do you want engaged employees? Invest in their financial well-being https://converseshoes.org.uk/do-you-want-engaged-employees-invest-in-their-financial-well-being/ Sun, 24 Apr 2022 14:18:51 +0000 https://converseshoes.org.uk/do-you-want-engaged-employees-invest-in-their-financial-well-being/ Learning to manage money was a required field of study in my childhood home. On the first day of the month, my father sat at the dining room table to balance his checkbook and pay the household bills. My four siblings and I knew what would happen if we passed by while he was in […]]]>

Learning to manage money was a required field of study in my childhood home. On the first day of the month, my father sat at the dining room table to balance his checkbook and pay the household bills. My four siblings and I knew what would happen if we passed by while he was in that area. We would have a course on financial responsibility. I learned four valuable lessons that many adults, especially those in the black and brown community, were unaware of.

First, pay yourself first. Before you spend anything, set aside some savings. The amount can change but the act must be routine. Second, never live beyond your means. If you can’t afford it, you don’t need it. Third, your ability to repay a loan is a bigger asset than what you earn. And finally, more money does not solve money problems. If you can’t responsibly manage a $100 budget, you won’t be good with $100,000 either.

My father prepared his children to navigate a world of work very different from that of his generation. Today, most workers no longer work at jobs that provide a pension. Instead, it is more up to individuals to save for retirement by contributing to 401k or other retirement accounts. People are also jumping from job to job more often and are therefore faced with financial choices at every turn. What else, a quarter or more of today’s workforce works in the gig economy, which offers even fewer workplace-managed financial benefits.

All in all, the burden of financial well-being has gradually shifted from the employer to the individual, but I see signs of a small pendulum swing in the other direction. Given the current talent shortage, the challenges of COVID-19, and the multitude of online financial wellness tools and products, businesses are able to focus more on the financial wellbeing of employees, which is highly desired. More than half of employees say they would be attracted to a company that cares about financial well-being compared to their current employer, PwC to research shows.

I see three areas that employers are focusing on to ensure better financial well-being for workers. They are:

Equity.

This year, Equal Pay Day in the United States is March 15. It highlights how hard a woman has to work, on average, to earn what a man did in the previous year, given similar jobs with similar skills and experience. Many companies are working to close this gap and keep it closed. For example, my company’s 2021 review found less than 1% disparity between what women and men earn globally at Ceridian, and less than 1% disparity between what white and non-white employees earn. in the USA. employees worldwide, our company will conduct another analysis in the second half of 2022.

It’s no surprise that gender and racial inequalities continue to plague our society. The systemic barriers in place faced by women and people of color will take decades to break down. As President Joe Biden noted in a proclamation regarding Equal Pay Day, over the course of a career, the pay gap can represent hundreds of thousands of dollars in lost income, especially for women of color, which has a significant impact on retirement savings and particularly burdens households headed by single mothers.

Employers of all sizes must work to close these gaps and keep them closed, so that all workers have the fairest chance possible to improve their financial well-being.

To access.

That’s what my dad was talking about when he said my ability to repay a loan was a great asset. But not everyone has the same access to credit. Historically, minorities have disproportionately faced exclusionary behaviors and systemic barriers that have contributed to economic disparities, including limited access to federal mortgage programs and geographic restrictions on physical banking locations. While 5.4% of U.S. households were unbanked in 2019, nearly 14% of black households and 12% of Hispanic households were unbanked, government data shows. Without immediate access to traditional lines of credit, these groups are more likely to use high-interest payday loans.

Pay-as-you-go, or access to earned wages, is an emerging benefit increasingly embraced by employers allowing workers to access earned wages when they need it most. Four in five (83%) American workers aged 18-44 think they should have access to their earned wages at the end of each workday/shift, before the traditional payday, to research of my work shows. Mizuho Securities United States speculated that pay-as-you-go could be both the biggest change in the payroll industry since the 1960s and a disruptor for the $11 billion payday loan market.

Literacy.

Companies have a fiduciary responsibility to provide financial education to their employees. They have the people to manage business results and the means to help employees manage their results as well. Money problems are only solved with education, dedication and an implemented plan. Companies that meet this need will find student volunteers among the workforce. 87% of employees want help with their personal finances, PwC notes.

My dad taught financial wellness classes because he cared about his kids. In any organization, people are the most important asset. We trust our employees to serve our customers, promote our brands and grow our business. The healthier they are, the more present they will be at work and outside of it.

The opinions expressed here by Inc.com columnists are their own, not those of Inc.com.

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Convicted payday loan tycoon Scott Tucker’s Leawood mansion is up for auction https://converseshoes.org.uk/convicted-payday-loan-tycoon-scott-tuckers-leawood-mansion-is-up-for-auction/ Wed, 20 Apr 2022 15:06:16 +0000 https://converseshoes.org.uk/convicted-payday-loan-tycoon-scott-tuckers-leawood-mansion-is-up-for-auction/ Federal authorities are holding an auction this Thursday, April 21, of the Leawood home of convicted payday loan tycoon Scott Tucker. Why is this important: It’s the latest attempt by federal authorities to claw back a fraction of the ill-gotten gains Tucker has amassed running various online payday loan businesses. Tucker was sentenced in 2018 […]]]>

Federal authorities are holding an auction this Thursday, April 21, of the Leawood home of convicted payday loan tycoon Scott Tucker.

Why is this important: It’s the latest attempt by federal authorities to claw back a fraction of the ill-gotten gains Tucker has amassed running various online payday loan businesses.

Tucker was sentenced in 2018 to 16 years in prison. His modernist Leawood mansion was featured in the Netflix documentary “Dirty Money,” which featured Tucker’s story in an episode of its first season.

The background: Tucker was found guilty of 14 counts, including wire fraud and money laundering, for his involvement in a $3.5 billion online payday loan scheme.

According to US Department of Justicefrom 1997 to 2013, Tucker made small, short-term, high-interest unsecured loans, commonly known as “payday loans”, via the Internet.

His companies have charged up to 4.5 million people with predatory lending with illegally high interest rates of 700% and more.

The details: This week the auction will take place online 11 a.m. to 1 p.m. Thursday.

A Department of Justice flyer says the starting bid has been set at $420,000 and a deposit of $100,000 will be required.

Located at 2405 W. 114th St. in Leawood, the home is in the Hallbrook Farms subdivision overlooking the golf course.

The property: Built in 2003 on 42,000 square feet of land, the 4,500 square foot mansion features 4 bedrooms, 4.2 bathrooms, kitchen with breakfast nook, great room and office, two fireplaces, patio, a second-floor loft and a four-car garage, according to the flyer.

There is also a 4,200 square foot basement that includes a media room, office, exercise room, game room with a bar, patio, and an additional four-car garage.

A season one episode of Netflix’s “Dirty Money” featured views of the property as Tucker sat down for an interview inside the house.

Netflix teased the episode as a look “behind … Scott Tucker’s lavish lifestyle” and his “secret lending empire built on tribal perks and poor patron profits.”

Capture : The Internal Revenue Service seized Tucker’s property in March 2019 in a bid to recover some of the billions of dollars customers were defrauded by his payday loan business.

In June 2019, more than 1,000 people visited the Leawood home to purchase Tucker’s possession for $85,626 at an estate sale.

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5 ways to get cash when you need it https://converseshoes.org.uk/5-ways-to-get-cash-when-you-need-it/ Tue, 12 Apr 2022 23:31:01 +0000 https://converseshoes.org.uk/5-ways-to-get-cash-when-you-need-it/ Quick access to cash is crucial in times of financial emergency. Whether it’s a car repair, a medical bill, or just an unexpected expense. But what if you don’t have any savings or emergency funds to tap into? How will you get the money you need? You may think there are no other good options, […]]]>


Quick access to cash is crucial in times of financial emergency. Whether it’s a car repair, a medical bill, or just an unexpected expense. But what if you don’t have any savings or emergency funds to tap into?

How will you get the money you need? You may think there are no other good options, but there is not. You have other options, and some are even better than dipping into your savings.

For a little help, here are five ways to get emergency cash.

Sell ​​some of your possessions.

A big way to make money fast is to sell items in your home that you don’t use or need. For example, you can hold a garage sale, sell things online, or even pawn some of your possessions.

So if you have a lot of clothes you never wear, consider selling them to a consignment store. Another thing, if you have extra furniture, appliances or other items taking up space in your home, you can sell them online through classifieds, auction sites or even media platforms. social.

Also, if you have valuable jewelry or collectibles that you no longer need, consider selling them to a pawnbroker. Or, if you have a lot of school supplies or toys that your kids have outgrown, sell them to other families in your community.

By selling items you don’t need or use, you can free up space in your home and get money to invest in something new.

Use your credit card.

If you have good credit, you may be able to get a low-interest credit card that offers cash advances. Depending on your credit score, you may be able to get a card with a 0% APR on cash advances for a while. This can be useful if you have to pay for something unexpected and you don’t have any spare cash.

However, zero percent interest is not forever. There is a time limit on how long you can take advantage of the interest-free period. Once this time has elapsed, the regular APR will apply to any remaining balance. Some cards offer up to six months interest-free on cash advances, while others offer a year or more.

Apply for a payday loan

Another way to help cover unexpected expenses is to request low interest online payday loans. This type of loan is a short-term solution that can help you bridge the gap between your current expenses and your next salary.

When you apply for a payday loan online, you usually need to provide proof of income, such as a recent pay stub or bank statement. Additionally, you will need to provide your social security number and contact information.

The approval process for an online payday loan is usually quick and easy, and you can receive the money you need within 24 hours. So, if you are facing a financial emergency, an online payday loan may be the solution for you.

Ask family and friends for a loan

Before deciding to take out a loan from credit institutions, why not try asking friends or family for a loan? It may be harder to get a loan from a bank if you have bad credit, but friends and family are likely to be more forgiving.

Moreover, they relate to you better than a credit institution. But you may have heard or know of people who have damaged their relationships with friends and family members by asking for money. Well, probably because they never bothered to ask in the right way.

There are a few key things you need to keep in mind if you are going to ask your loved ones for money: be upfront about how much money you need, make sure you can afford to repay them with interest and give them a refund. plan. Have a written agreement and make sure both parties sign it.

Check out nonprofit programs for help

Many nonprofit organizations can help you get the money you need. Take, for example, Mission Asset Fund. The organization offers loans and grants to help people get out of debt.

The National Foundation for Credit Counseling is another great resource for getting help with your debt. The organization provides counseling and financial education services to consumers across the country.

If you’re looking for a more local solution, consider contacting your nearest credit union. Credit unions are non-profit organizations that exist to serve their local community.

Conclusion

Whichever option you choose, be sure to do your research and compare interest rates and fees. Knowledge is power when it comes to your finances. So be sure to do your homework and make the best decision no matter what situation you find yourself in.

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Delaware (DE) payday loans and private payday loans online https://converseshoes.org.uk/delaware-de-payday-loans-and-private-payday-loans-online/ Sat, 09 Apr 2022 10:07:15 +0000 https://converseshoes.org.uk/delaware-de-payday-loans-and-private-payday-loans-online/ Delaware (DE) payday loans and private payday loans online Delaware (DE) payday loans and personal loans online 4 days before Household > payday advances > payday loan in Delaware > payday advances in Wilmington, De-. Payday advances in Wilmington, De. Get a payday loan Register to generate a mortgage. Bad […]]]>





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How FirstBank helps payroll account holders dream big. https://converseshoes.org.uk/how-firstbank-helps-payroll-account-holders-dream-big/ Mon, 04 Apr 2022 08:05:53 +0000 https://converseshoes.org.uk/how-firstbank-helps-payroll-account-holders-dream-big/ Loans are intended to provide individuals or organizations with additional funds to cover expenses and other obligations. They are then repaid over an agreed period of time, with interest. Personal loans and payday advances are the most popular offers. While the first is an instant loan granted to individuals after verification, the second is generally […]]]>

Loans are intended to provide individuals or organizations with additional funds to cover expenses and other obligations. They are then repaid over an agreed period of time, with interest. Personal loans and payday advances are the most popular offers. While the first is an instant loan granted to individuals after verification, the second is generally extended to salaried professionals. But even though personal loans tend to cost less because they have longer terms, there are still a few factors to consider before deciding which option is right for you.

According to a report by The bank rate, some of the top reasons people get personal loans include emergencies, moving purposes, debt reconciliation, payday loans, and other celebratory expenses. Depending on why you are taking out a loan, it is important to determine the amount based on your monthly budget for principal plus interest repayments. If it’s an emergency that you need money for, a payday advance loan may be more beneficial to you than a payday loan because it’s faster and doesn’t involve intermediaries. Nevertheless, personal loans are a very good option when it comes to financing a vehicle or acquiring new gadgets. Indeed, in the long run, taking out a loan means you can still build a savings portfolio for rainy days.

With rising inflation figures in countries like Nigeria (15.63%), employees are indeed strongly affected. Despite a regular flow of income, they face difficulties in meeting certain obligations or recurring bills. Unfortunately, the reality is that most Nigerians would rather borrow from friends and family than take out a loan. This is largely due to high interest rates, inability to meet certain requirements, and fear of being harassed by digital lenders who use shameful tactics to collect on loans.

To bridge this gap, Nigeria’s premier financial institution, First Bank of Nigeria Limited (FirstBank), is offering its customers better and easier alternatives through a variety of loan products. The bank also creates opportunities for millions of employees to dream big by exploiting the full potential of their accounts.

Here’s a breakdown of his loan plans

FirstAdvance, as the name suggests, helps you meet financial obligations that may arise before wages are paid. This plan offers a maximum amount of ₦500,000, based on the applicant’s average salary over the course of 3 months. However, customers are required to have an active salary account domiciled with First Bank, with proof of regular payment of salary. Cash loans for salaried customers have a set interest rate of 2.5% fixed, collected in advance, and can be accessed through the bank’s FirstMobile app and by dialing *894*11# or *894 #.

FirstCredit is the most flexible plan that allows you to access simple and fast loans without any collateral or documentation. Customers can apply for loans of up to ₦300,000 using a mobile phone or tablet. But there is a catch. The account must have been operational in First Bank for at least 6 months, as well as a good credit record. FirstCredit has a fixed 10% interest rate. Here’s how it works in a few easy steps:

  • Dial *894#
  • Select Loans
  • Select FirstCredit
  • Select Get New Loan #
  • Select the account number with which you want to apply for the loan
  • Grant consent to use data and agree to terms and conditions
  • You will be presented with 4 loan amount options
  • Choose the desired loan amount
  • The loan is paid into your account

FirstBank’s Personal Payday Loan (PLAS)) is an upgrade to its First Advance offering. In addition to providing the funds needed to address urgent issues that may arise, this plan allows clients to achieve their other long-term goals and objectives. For example, capital projects, rent obligations, vacations, professional courses and other rewarding undertakings. According to the bank, with PLAS, Nigerian employees can be assured of a financial partner to realize their dreams. Through this plan, salary account holders can access up to ₦30 million and repay the loan over a period of up to 36 months, subject to a retirement age of 60 and a retirement plan. flexible reimbursement. To apply, you will need the following documents:

  • Letter of application
  • Personal loan application form
  • Payslip
  • Balance sheet
  • Letter from the candidate on the total emolument
  • Confirmation of Applicant’s Employer on FBN’s Approved List
  • Irrevocable salary domiciliation letter for the duration of the facility.
  • Complete the form and submit it to nearest First Bank branch.

FirstBank is investing heavily to ease the pressure on customers as they meet their immediate and medium-term financial goals. The vision behind its payday advance loan (FirstAdvance) is to ensure that customers are not charged high interest rates or forced to submit more collateral. Its PLAS plan offers flexibility and good interest rates, and helps increase the customer’s credit rating. It also does not require so much paperwork since the process is done online.

The bank also offers strategic services and incentives aimed at providing customers with the best experience. For example, his salary account benefits include a zero opening balance and no minimum daily operating balance or AMC fees. Customers also get their first Verve or Mastercard issue free with unlimited access to consumer loans.

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Michigan Tackles Dramatic Increase in Problem Gambling https://converseshoes.org.uk/michigan-tackles-dramatic-increase-in-problem-gambling/ Thu, 31 Mar 2022 04:03:10 +0000 https://converseshoes.org.uk/michigan-tackles-dramatic-increase-in-problem-gambling/ This article is part of Health, a series about how Michigan communities are stepping up to address health challenges. It is made possible thanks to funding from the Michigan Health Endowment Fund. Shelby Township resident Nicholas Tabarias’ initiation into problem gambling began in 2014, when he moved in with an aunt who frequently visited the […]]]>
This article is part of Health, a series about how Michigan communities are stepping up to address health challenges. It is made possible thanks to funding from the Michigan Health Endowment Fund.

Shelby Township resident Nicholas Tabarias’ initiation into problem gambling began in 2014, when he moved in with an aunt who frequently visited the casino.

“She loved to play slot machines and frequented the casino almost every day,” he says. “At first I would accompany her to the casino and watch her play, but eventually the sights and sounds and the idea of ​​the big win… turned into a gambling problem.”

Tabarias started going to the casino every day to play blackjack, Texas hold’em, and tournament poker. He also started showing up late for work or missing work altogether. He started gambling his paychecks, turned to payday loans, and eventually pawned his beloved musical instruments.

“I would lose all my money, rack up debt, and chase my losses by taking out more loans,” he says. “It was a vicious circle that was gradually destroying my life.”

When he wasn’t at the casino, he spent his time researching strategies, like card counting, to improve his chances of winning.

“I thought a big win would solve all my problems, I could take care of myself and my family, and life would be great,” Tabarias said. “Unfortunately that wasn’t the case. I was definitely digging a very deep hole. I had to hit rock bottom and realize that I was helpless in the face of the game, that my life had become unmanageable and seeking help.”

Tabaria’s first step on the road to recovery was to call the Michigan Problem Gambling Hotline. Help from Mike Moody, a licensed clinical psychologist who works with the helpline, and a referral to Gamblers Anonymous (GA) meetings were just what Tabarias needed to overcome his addiction.

“I love recovery meetings. You’re welcome with open arms. You’re in a non-judgmental zone and you’re with other people who have very similar stories,” Tabarias says. “It’s like a family unit. You can talk about what you’re struggling with. For me, that really made a difference.”

The Problem Gambling Helpline is a safe bet

Tabarias is far from alone in his problem gambling experience. His call to the problem gambling hotline was one of 4,400 made in 2021 – the first full year that online gambling was legal in Michigan. This number triples calls received in 2020. As online gambling has brought the state $20.5 million in tax revenue and other payments in January 2022 alone, referrals to gambling treatment increased by 42% from 2020 to 2021. The ongoing COVID-19 pandemic and resulting social isolation has left many Michiganders with downtime, stress and anxiety, which increases the urge to play d a problematic player.

“Online gambling led to an increase in gambling activity for those who were already engaged and visiting casinos and whatever their gambling activity of choice,” said Alia Lucas, treatment program manager and prevention of gambling disorders in Michigan. “Also, it introduced gambling as an individual game. If you add the increased accessibility with online gambling and sports betting, you now make it even more available. It’s right at your fingertips on your phone or your computer. You don’t have to leave your home. It’s definitely heightened gaming activity.”

The gambling disorder is classified as an addiction-related disorder in the Diagnostic and Statistical Manual of Mental Disorders, Fifth Edition. Gambling addiction has the highest intentional suicide rate of any addictive disorder. Problem gamblers are 15 times more likely to commit suicide than the general public.

Signs of problem gambling include being preoccupied with how to get more gambling money; playing with increasing amounts of money; unsuccessfully trying to cut down or stop playing; feeling restless or irritable when trying to cut down; using gambling to escape from problems or relieve feelings of helplessness, guilt, anxiety or depression; try to recover lost money by playing more; lying about gambling; jeopardize relationships, school, or work opportunities; and steal or borrow to replace money that has been gambled.

“Gambling is a hidden addiction. There’s really no physical cue that you can assess to determine if someone is in over their head,” Lucas says. “It takes such a hold and puts such a hole in your life. Often compulsive gamblers see no other way out.”

The expectation of the big win further clouds players’ judgment. Lucas notes that people who win big when they first experience gambling have a 30% higher risk of problem gambling.

“One thing that makes this particular addiction difficult is that the world recognizes gambling as a recreational pastime,” Lucas said. “For a lot of people, it’s normalized in the household. I grew up with family members who played the lottery and I don’t think about it. Some family members may have gambling parties, or you can play bingo at church. We often dismiss problem gambling as a lack of self-control without viewing it as something beyond recreational gambling.”

The state symposium extended the work of the hotline

To Address the Rise in Problem Gambling, the Michigan Department of Health and Human Services Hosted a Virtual Meeting Gambling Disorder Symposium March 3-4, 2022. The event brought hope to people struggling with problem gambling, those who have loved ones who are problem gamblers, and practitioners who help others with problem gambling. Gambling addiction experts spoke to people who have experienced gambling problems. The symposium also discussed the increase in the number of young people struggling with gambling problems due to online gaming.
Brianne Doura-Schawohl.
“The game has changed, and so have problems,” says Brianne Doura-Schawohl, symposium keynote speaker and CEO of Doura-Schawohl Consulting, a government relations and gaming consultancy. “We are seeing, thanks to the proliferation of online sports and gaming, that hotlines across the United States are experiencing an increase in calls for help, many of whom are young men struggling with sports betting. now that it’s become much easier to play from your phone and from the comfort of your home.”

Doura-Schawohl notes that online access has evolved the game from a release or event to an ever-present temptation. What was once a single opportunity to bet on a sporting event has become a series of real-time bets throughout a match.

“If someone is struggling with gaming disorder, it will negatively impact eight to 10 other people around them. It really is a significant emotional and mental addiction,” says Doura-Schawohl. “The shame and stigma associated with gambling addiction is the worst of all addictions. Many people who struggle do so in silence.”

To further aggravate problem gambling, gamblers can place bets with credit cards and electronic wallets funded by credit cards. Other countries, like the UK, Spain, Australia, Germanyand Franceban credit cards and e-wallets and restrict gambling ads.

“With legalization, the aggressive marketing, promotions and bonus offers that are often dangled in front of people are enticing them to gamble more. People are probably gambling when they never would have, and it’s instantaneous” , says Doura-Schawohl. “We are attracting a whole new customer base with this wave and people are getting into gambling for the very first time. Many of them are young and unfamiliar with the risks of gambling.”

While the new generation of problem gamblers tends to be young, white, well-educated, and male, problem gambling does not discriminate. It is no longer relegated to certain populations. And its reach extends beyond financial ruin.

“Gambling involves risk, and so does that sip of alcohol,” says Doura-Schawohl. “Gambling disorders ruin lives. But there’s no reason anyone should struggle in silence. There is help. There is hope. And there are people who want to help. .”

Tabarias found his way to hope on the other side of problem gambling. He hasn’t played in a year and finds serving newcomers in his GA group helps him stay away from playing.

“They also remind me of what I went through. The program helped me change the way I think and live,” says Tabarias. “I was able to pay off my debts. I show up for work and I show up on time.”
Nicolas Tabarias.
He also rediscovered his love of music, having released an album and playing shows with his father.

“It’s such a contrast,” says Tabarias.

To reach the Michigan Problem Gambling Hotline, call (800) 270-7117.

A freelance writer and editor, Estelle Slootmaker is happiest writing about social justice, wellbeing, and the arts. She is the development news editor for Fast growing media and The Tree Amigos chairs, City of Wyoming Tree Commission. Her greatest accomplishment is her five incredible adult children. You can contact Estelle at Estelle.Slootmaker@gmail.com or www.constellations.biz.

Photos of Nicholas Tabarias by Nick Hagen.

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