united states – Commuter Connection http://commuter-connection.org/ Sun, 27 Mar 2022 01:46:35 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://commuter-connection.org/wp-content/uploads/2021/10/commuter.png united states – Commuter Connection http://commuter-connection.org/ 32 32 News – DC destroys the economy – then bans loans to the poor https://commuter-connection.org/news-dc-destroys-the-economy-then-bans-loans-to-the-poor/ Wed, 09 Mar 2022 18:15:52 +0000 https://commuter-connection.org/news-dc-destroys-the-economy-then-bans-loans-to-the-poor/ As we know, we are just entering the second year of the terrible Joe Biden administration. Things are really bad. But our national status just recently was the opposite of extremely horrible. Oh how quickly we fell. How? ‘Or’ What? Why? Everything President Donald Trump’s good predecessor did – Biden undid and overthrew him. Which […]]]>

As we know, we are just entering the second year of the terrible Joe Biden administration. Things are really bad.

But our national status just recently was the opposite of extremely horrible. Oh how quickly we fell. How? ‘Or’ What? Why?

Everything President Donald Trump’s good predecessor did – Biden undid and overthrew him.

Which is a shame. Because Trump has done us a LOT of good.

Trump has given the United States our best economy in generations.

10 reasons Trump’s economy is the best in 50 years

Trump raised everyone’s salaries. For low-income Americans, it was their first increase in many decades.

Under Trump, Americans have seen their best wage growth in 40 years

Rising wages: The US economy now works better for low-wage workers

Trump has made us a net oil exporter – in just over a month in office.

Breakthrough: US Becomes Major Oil Exporter Under Trump

We’re giving you just a fraction of Trump’s presidential legacy – to remind everyone how much we’ve had him very recently.

Biden murdered our energy independence – day one.

Biden suspends oil and gas leasing in series of executive actions

The first of many attacks on our energy sector.

Biden administration fuels higher energy prices with oil and gas crackdown, JEC analysis finds

Which, of course, led to this.

Biden breaks record with highest gas prices ever

And it’s not just gas prices that are setting obnoxious records.

Worst inflation in 40 years

All of the above – and other dumb Biden policies – have created a bit of a supply problem.

Biden escalates supply chain mess

All of the above – and other stupid Biden policies – have created a small economic problem.

Joe Biden’s economy is already a disaster. Here is the table that proves it

So with all this Biden economic horror in mind – why would Congress do this?

DC makes sure only billionaires can get a loan – in the name of ‘Helping the Little Guy’

Biden has made the economy the worst it has been in many decades. And now his Democrats in Congress are seeking to ban loans to the poor. What the poor absolutely need – because Biden has made the economy the worst it has been in many decades.

Congress is seeks to cap prices what are called “payday loans”. Right here is extremely awful, Democratic Senator from Ohio, Sherrod Brown, who credits himself for co-sponsoring this idiocy.

“Payday loans” are so named – because poor people take out loans when they run out of money before payday. Like, say, when their car breaks down – and they have to run the car…to get to work to get paid on payday.

Rich people don’t need payday loans – because they have the money to cover things like that.

The poor used to get these loans from small community banks. But DC took care of it.

Killing Community Banks: Intended Consequence of Dodd-Frank:

“Banks deemed too big are more than 30% larger than before the law was passed in 2010, and 80% larger than before the 2008 banking crisis. The six largest U.S. financial institutions now have assets some $10 trillion, or almost 60% of GDP; and they control almost 50% of all bank deposits.

“Meanwhile, their smaller competitors are struggling to survive. Community banks and credit unions are disappearing at the rate of one a day. Access to local banking services disappears with them.

“Local banking” – such as short-term loans and lines of credit for the poor.

Economics abhors a vacuum. DC having murdered a poor moneylender – another has arisen in his place. Born was the payday lender.

DC won’t let that either. They want to cap payday loan prices – but we know what that really means.

As basic economics and 10,000 years of human history tell us, price caps kill the capped item. The most famous of MANY examples?

How Gas Price Controls Triggered the Shortages of the 1970s:

“The era of price controls is best known for long lines at gas stations….

“At the time, ‘price controls were turning a minor adjustment into a major shortage,’ Thomas Sowell said.

If you can’t make a profit from something, you stop producing that something. Because human nature. Because duh.

Artificial price caps on payday loans – will make it nearly impossible to make a profit on payday loans. So no one will offer payday loans anymore. Because human nature. Because duh.

And the people hardest hit aren’t the payday lenders. Although it’s ridiculously, stupidly hard for them.

The hardest hit are the payday lenders. The poor who desperately need these short term loans.

Especially now – in the midst of Biden’s extremely terrible economy.

DC isn’t great? First, they prevent people from making money. Then they prevent people from borrowing money.

This is all very, very helpful.

Photo by GPA Photo Archive, Public Domain Mark 1.0.

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Students create website to help Ukrainian refugees find housing https://commuter-connection.org/students-create-website-to-help-ukrainian-refugees-find-housing/ Tue, 08 Mar 2022 00:50:26 +0000 https://commuter-connection.org/students-create-website-to-help-ukrainian-refugees-find-housing/ Two teenagers who met at Harvard have created a website to help Ukrainian refugees find housing and host families amid the Russian invasion of Ukraine in Eastern Europe. Avi Schiffmann and Marco Burstein press kit A gap year student from Harvard University went to a public protest Feb. 28 against Russia’s invasion of Ukraine and […]]]>

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Two teenagers who met at Harvard have created a website to help Ukrainian refugees find housing and host families amid the Russian invasion of Ukraine in Eastern Europe.

Avi Schiffmann and Marco Burstein press kit

A gap year student from Harvard University went to a public protest Feb. 28 against Russia’s invasion of Ukraine and was inspired to help fleeing refugees.

Avi Schiffmann and fellow student Marco Burstein therefore created the UkraineTakeShelter website to help connect Ukrainian refugees to potential host families and housing, they said.

Schiffmann, 19, from Seattle, is no stranger to building useful websites and is known for developing one of the first major COVID-19 tracking platforms – nCoV2019.live – that millions of people use, he told McClatchy News by phone.

They “found existing efforts to connect refugees to hosts to be extremely inefficient, non-scalable and difficult to sort out quickly,” Schiffmann and Burstein, 18, of Los Angeles, wrote in a statement. They created their site “so that refugees under stress can get the information they need as quickly as possible.”

Within days, there are already more than a thousand announcements of potential hosts in countries like Poland, Germany, Iceland and the United States, Schiffmann told McClatchy News during a telephone interview. He describes the site as a “stripped-down, Ukrainian-specific, Airbnb” type intuitive platform “on steroids”.

Screenshot 2022-03-07 at 7.05.25 PM_fitted.png
Avi Schiffmann (left) and Marco Burstein (right) at Harvard. Avi Schiffmann and Marco Burstein press kit

Their website was launched on March 2 and comes as more than 1.7 million Ukrainians fled their homes after Russia attacked neighboring Ukraine in Eastern Europe on February 24, the report reported. Associated Press.

“I tried to really design the website by putting myself in the position that these refugees might be in, where they’re literally running away from a country, there’s explosions and gunshots, they’re running with their kids into a country stranger, they are lost, confused,” Schiffmann said.

The protest Schiffmann attended while currently living in San Diego, filled with signs such as “Stop Poutine,” got him thinking about his own skills and how he could apply them “to create something which has a much more direct impact on the whole world”. he said.

The next morning, March 1, Schiffmann contacted Burstein and they immediately began coding the website.

They met in the fall when they were freshmen at Harvard.

“We didn’t sleep for three days,” Schiffmann said, instead taking occasional 30-minute naps to have “enough energy to keep going.”

They designed UkraineTakeShelter with a simple structure that allows host families or organizations to register and create a list including details such as country, city, number of guests, if pets are allowed, badges to advertise skills such as speaking different languages ​​and more.

Additionally, a Ukrainian refugee seeking shelter can type the nearest town into the website’s search bar to receive results for the potential accommodation closest to them.

“I started thinking it would be really cool to create a website to put power back in the hands of refugees where they could take the initiative and just go to the search bar and type in their city and immediately see the listings available hosts,” Schiffmann said.

Users can also sort potential hosts with filters that match their needs, such as whether they need childcare assistance, legal assistance, transportation, etc., a he declared.

For example, if a single woman fleeing Ukraine prefers to stay with a host who is also a woman, she can use a gender filter, Schiffmann explained.

There is “a significant amount of traffic already coming from Eastern Europe,” Schiffmann said, adding that Ukrainian media have started reporting on it.

He said he’s been working with translators around the world to ensure the site defaults to his phone’s language. If a Ukrainian refugee accesses the site on their device, it will automatically display in Ukrainian. He also worked with cybersecurity experts to help verify his website.

When asked how he connected with the translators and experts who helped him, he simply pointed to Twitter and the following he’s amassed since launching his COVID-19 site.

He said he posts tweets asking for help on topics like cybersecurity or languages ​​and that users will respond “almost instantly” in his direct messages.

Schiffman said it was like “sending a bat signal out into the world”, referencing the popular superhero Batman.

He hopes more people will discover the website and hopes that anyone with ties to his family in Ukraine, neighboring Poland or to humanitarian organizations can contact him on Twitter or by sending an email to ukrainetakeshelter@gmail.com.

“I really want people to help me share the website as much as possible.”

This story was originally published March 7, 2022 7:50 p.m.

Julia Marnin is a McClatchy National Real-Time reporter covering the Southeast and Northeast while based in New York. She is a College of New Jersey alumnus and joined McClatchy in 2021. Previously, she has written for Newsweek, Modern Luxury, Gannett and more.

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Should you ever get a payday loan? https://commuter-connection.org/should-you-ever-get-a-payday-loan/ Tue, 01 Mar 2022 23:27:15 +0000 https://commuter-connection.org/should-you-ever-get-a-payday-loan/ When you’re low on cash between paychecks or have an unexpected financial emergency, a payday loan can be a tempting option to help you make ends meet or access cash quickly. However, these short-term loans, which are usually due on the day of your next payday, are extremely risky. They come with very high interest […]]]>

When you’re low on cash between paychecks or have an unexpected financial emergency, a payday loan can be a tempting option to help you make ends meet or access cash quickly. However, these short-term loans, which are usually due on the day of your next payday, are extremely risky. They come with very high interest rates and other fees. The interest rate on payday loans in the United States ranges from 154% to 664% or more.

Equally troubling, payday loans are often marketed to those who can least afford them, i.e. people earning less than $40,000 a year. Although this type of loan is advertised as a short-term loan, payday loans can create a cycle of debt that is difficult to break free from.

What is a personal loan?

A payday loan is usually a short-term loan, lasting two to four weeks, that does not require collateral to be obtained. These types of loans are generally supposed to be repaid in a single payment with your next paycheck, when you receive Social Security income, or when you receive a pension payment.

In the majority of cases, payday loans are issued for relatively small amounts, often $500 or less, with the average borrower getting a payday loan of around $375. In some cases, payday loans can be made for larger amounts.

To obtain a payday loan, borrowers are asked to write a personal check for the amount of debt, plus finance charges and fees. If the loan is not repaid on time, the lender will deposit the check to recover their funds. Some lenders may request authorization to electronically deduct the funds from your bank account instead of requiring you to provide a personal check.

Payday loans generally do not involve credit checks, and your ability to repay debt while continuing to pay your daily expenses is generally not considered part of the application process.

Who usually takes out a personal loan?

Payday loans are most often sought out by those with ongoing cash flow issues, as opposed to borrowers who find themselves facing a financial emergency. A study of payday loans conducted by Pew Charitable Trusts found that the vast majority of payday loan users, 69%, first took out this type of loan to cover recurring expenses such as utility bills. utilities, rent, mortgages, student loan payments or credit cards. invoices. Only 16% of borrowers use payday loans for unexpected expenses.

These types of loans are also widely used by people living in neighborhoods and communities that are underserved by traditional banks or by those who do not have a bank account with a major financial institution. There are approximately 23,000 payday lenders across the country, many of which are located in storefronts or operate online.

What are the risks of personal loans?

Due to the many risks associated with payday loans, they are often considered predatory loans.

For starters, payday loans often come with astronomical interest rates. Those who take out such loans have to pay between $10 and $30 for every $100 borrowed. A typical payday loan with a two-week repayment term and a fee of $15 per $100 equates to an APR of nearly 400%.

Many payday lenders also offer rollovers or renewals, which allow you to simply pay the cost of borrowing the money on the loan’s due date and extend the balance owing for a longer period. It can be a slippery slope that has borrowers quickly getting in over their heads with fees and interest piling up. According to the Consumer Financial Protection Bureau, borrowers default on up to one in five payday loans.

Further, since payday loans do not consider the full financial situation of the applicant, including their ability to meet other financial obligations and living expenses while repaying the payday loan, this type of loan often leaves borrowers in a vicious cycle of debt.

Are payday loans really worth it?

With their high interest rates and fees, a payday loan is rarely a good idea. The fees alone cost Americans $4 billion a year. Because the costs associated with these loans are so high, borrowers often struggle to repay them and take on more debt, so it’s a good idea to carefully consider your options before taking out a payday loan.

However, if you are in dire need or need cash quickly and you are absolutely certain that you can repay the loan with your next paycheck, a payday loan may be a good idea. These loans may also be worth considering if you have no other financial options or have poor credit and would not qualify for a traditional loan.

Alternatives to payday loans

Before taking on the significant financial risks associated with a payday loan, consider other alternatives that may be less expensive. Some of the options to consider include:

  • Personal loan: For those with good credit, a personal loan can be a safer and more cost-effective borrowing option. Plus, if you need cash fast, there are online lenders who can provide personal loan funds in as little as a day or two.
  • Borrowing money from family or friends: Payday loans should be a last resort. If you have family or friends who are willing to help you, it may be better to borrow money from loved ones than from a predatory lender.
  • Home Equity Loan: Tapping into the equity in your home will give you a much more competitive interest rate than a payday loan. Home equity loans are a popular way to access cash to consolidate debt or pay for other large or unexpected expenses. However, to access the equity in your home, you’ll need to meet certain requirements, including having a good credit score, a stable income, and a debt-to-equity ratio of 43% or less.
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What is a payday loan? https://commuter-connection.org/what-is-a-payday-loan/ Fri, 25 Feb 2022 22:26:00 +0000 https://commuter-connection.org/what-is-a-payday-loan/ What is a payday loan? payday loans are generally short-term unsecured loans characterized by high interest rates that generally do not require a credit check. Although there is no exact and universal definition of the term, the US Consumer Financial Protection Bureau indicates that this type of loan is usually $500 or less and is […]]]>

payday loans are generally short-term unsecured loans characterized by high interest rates that generally do not require a credit check.

Although there is no exact and universal definition of the term, the US Consumer Financial Protection Bureau indicates that this type of loan is usually $500 or less and is usually due on the borrower’s next payday. States have different laws governing these types of fast loans, but they may be available to Americans through in-store payday lenders or in line, depending on location. The due date on payday loans is generally two to four weeks from the date of issuance, and lenders generally do not consider borrowers’ credit scores or their ability to meet other financial obligations when approving the loan.

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To secure a payday loan, payday lenders often require a personal check from the borrower for the loan amount, plus interest and fees, for a future deposit. They often require direct access to the borrower’s bank account.

Payday lenders hold the personal check until the borrower receives their next paycheck, direct deposit or social Security Payment. Depending on the terms of the loan and the laws of the state in question, some payday lenders offer long-term repayment plans that allow them to make multiple electronic withdrawals from the borrower’s bank account.

The average term for payday loans is about two weeks, and loans typically range between $50 and $1,000. In exchange for quick loans that don’t require a credit check, payday borrowers typically pay exorbitant interest rates and fees on their loans. Payday lenders often charge annual percentage ratesor APR, of 400% or more on their loans, plus finance charges of between $10 and $30 for every $100 borrowed.

The only requirements to qualify for most payday loans are an opening Bank account relatively good standing, a regular income and a source of identification.

Because little consideration is given to the financial condition or creditworthiness of borrowers, the CFPB has found that payday loans have a high default rate of around 20%. Additionally, approximately 80% of payday borrowers renew or re-borrow their loans within 30 days of their initial loan.

Qualified state borrowers can apply for a payday loan online from companies such as MoneyMutual, CashUSA.com, and BillsHappen. Many payday lenders also have thousands of physical stores in the United States.

In times of financial emergency or life or death situation, payday loans may be one of the only places Americans have bad credit can turn to temporary financial assistance. However, due to widespread deception and predatory behavior in the payday loan industry, the CFPB, Federal Trade Commission, and other federal and state regulators have repeatedly warned Americans of the dangers of payday lending. payday and imposed restrictions on the activities of payday lenders.

A 2016 five-year study by Pew Charitable Trusts found that 12 million Americans take out payday loans each year, and those borrowers collectively pay $9 billion a year in loan fees alone.

  • Speed. Payday loans are fast, and lenders often approve the same or next day.
  • Ease of use. It’s usually easy to get approved for a payday loan as long as the applicant has a stable source of income, a bank account in good standing, and proper identification. Borrowers can even get payday loan approval online. While some critics say payday loans are inherently predatory, there are laws in place to protect the rights of borrowers.
  • Availablity. Depending on the situation, payday loans may be one of the only viable sources of emergency cash for borrowers with bad credit.

  • High cost. Payday loans can come with annual interest rates of 400% or more, and finance charges can be 15% to 30% of the loan amount. These high interest rates stand out even more compared to the national average of around 16.17% credit card interest rate or the average interest rate of 4.25% over 30 years mortgage end of February 2022.
  • Debt cycle. Due to interest and fees, a payday loan can easily force the borrower to put off the majority of their next paycheck, creating an opportunity for borrowers to fall into a cycle of repeat loans.
  • Harassment. Payday lenders have a reputation for exploiting financially vulnerable borrowers and using aggressive and harassing collection practices.

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New KIMTEK Website Provides Faster, Simpler, Easier Access to UTV and Brush Truck Rescue Transport Products https://commuter-connection.org/new-kimtek-website-provides-faster-simpler-easier-access-to-utv-and-brush-truck-rescue-transport-products/ Thu, 24 Feb 2022 18:51:53 +0000 https://commuter-connection.org/new-kimtek-website-provides-faster-simpler-easier-access-to-utv-and-brush-truck-rescue-transport-products/ ORLEANS, VT; February 23, 2022—KIMTEK Corporation today announced that its newly updated website, www.kimtekresearch.com, is fully operational. The enhancements were specifically aimed at streamlining searches of the company’s growing product line and its many existing and emerging applications. KIMTEK’s line of FIRELITE®, MEDLITE® and LEOLITE® transport skids, designed to fit utility vehicles and pick-up trucks […]]]>

ORLEANS, VT; February 23, 2022—KIMTEK Corporation today announced that its newly updated website, www.kimtekresearch.com, is fully operational. The enhancements were specifically aimed at streamlining searches of the company’s growing product line and its many existing and emerging applications. KIMTEK’s line of FIRELITE®, MEDLITE® and LEOLITE® transport skids, designed to fit utility vehicles and pick-up trucks used for first response in off-road, remote and urban areas, are custom-equipped for fires and medical rescue and law enforcement personnel. Featuring easy-to-find links to KIMTEK products that coordinate with the various manufacturers of these vehicles, the new website makes it quick and easy for users to navigate through the many custom options available to first responders.

Founder and President of KIMTEK, Kimball Johnsonsaid of the new website: “New applications for our skid units are found almost weekly, as are ways to adapt them for use in the field. We are very pleased that users of our website can now find exactly what they need, as well as links to what they might want in the future, even more quickly and intuitively at http://www.kimtekresearch.com”.

About KIMTEK Corporation

KIMTEK Corporation is the largest producer and marketer of ATV/UTV specific skid units for public safety agencies in the United States. all branches of the military, the National Park Service, numerous NASCAR tracks, sports complexes, schools, universities and in several countries around the world. KIMTEK Transport Skid Units are made in the USA. Founded in 1984 as a research and development company dedicated to advancing life safety technologies in the fire sciences, KIMTEK Corporation manufactures and markets a full line of FIRELITE and MEDLITE carrier units for UTVs and service pickups emergency. For more information, please contact KIMTEK at 888-546-8358 or visit www.kimtekresearch.com.

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Arlington Recognizes Transit Equity Day with ART Pilot Programs – Official Site of the Arlington County Government in Virginia https://commuter-connection.org/arlington-recognizes-transit-equity-day-with-art-pilot-programs-official-site-of-the-arlington-county-government-in-virginia/ Fri, 04 Feb 2022 18:10:29 +0000 https://commuter-connection.org/arlington-recognizes-transit-equity-day-with-art-pilot-programs-official-site-of-the-arlington-county-government-in-virginia/ Published on February 04, 2022 On February 4, 2022, Arlington County recognizes Transit Equity Day to celebrate the life and legacy of Rosa Parks on her birthday. Transportation is essential to ensure that all Arlington residents can live, work, learn and play in the community. This year, the county is launching two pilot programs — […]]]>

Published on February 04, 2022

On February 4, 2022, Arlington County recognizes Transit Equity Day to celebrate the life and legacy of Rosa Parks on her birthday. Transportation is essential to ensure that all Arlington residents can live, work, learn and play in the community.

This year, the county is launching two pilot programs — the Low-Income Fare Assistance Pilot and the APS Student Fare-Less Pilot — providing free bus access to thousands of students and low-income residents who have been financially and logistically impacted by the COVID-19 pandemic.

“These two pilot programs help further the mission of Realizing Arlington’s Commitment to Equity (RACE), which includes promoting racial equity to reduce and prevent disparities in our service to the community,” said Samia Byrd, Deputy Director of the County, Director of Racing and Equity. . “Even though the law is no longer unequal, systemic barriers still exist. Our examination of transit through an equity lens is to look at access based on need (meeting people where they are) and to work to remove these barriers. Through this, we aim to honor Rosa Parks’ legacy – equal treatment and fair access to public transportation for all.”

With funds from the American Rescue Plan Act, Arlington provides 2,400 middle and high school students with iRide SmarTrip prepaid cards, good for use on Arlington Transit (ART) for the next 18 months. IRide cards were designed specifically for Arlington students, offering half-price ART travel while also working on Metrorail and Metrobus lines.

Collaboration with Arlington Public Schools

The new APS Student Fare-Less pilot expands the collaboration with Arlington Public Schools (APS) and focuses on students whose transportation issues often cannot be resolved by yellow bus service. Among the difficulties: living at the ends of a large walking area and taking immersion or other programs outside their home school zone.

Transportation staff will use data from the No-Charge Student Fare Pilot to study peak usage and other ridership patterns for future expansion and program modifications.

Improving transport access to employment

For some residents, the ART bus system is essential for getting to and from work sites. The second pilot project, Low-Income Fare Assistance, will provide free public transit to work for approximately 7,200 residents already enrolled in social service programs for families in the community.

Participants in this pilot project will receive SmarTrip cards preloaded with $150 to use over the next 18 months. In addition to riding on ART, the cards can be used to travel beyond Arlington on Metrobus and Metrorail.

APS will help coordinate the distribution of free student transit passes, while the county Department of Human Services (DHS) will coordinate outreach for adult transit passes.

ART Transit Service COVID Updates

ART, the county’s local bus transit system, suspended all fares in March 2020 and reinstated them in January 2021. ART resumed operation of all bus routes without seat capacity restrictions in September 2021, reinstating four peak-hour lines only suspended in March 2020. Face masks are still mandatory on the ART and all regional public transport.

About Transit Fairness Day

Every year, Transit Fairness Day is celebrated on February 4 to honor the life and legacy of Rosa Parks. Rosa Parks became a key figure in the civil rights era when she refused to give up her seat on a segregated transit bus in Montgomery, Alabama, and was arrested in 1955. Her actions sparked the boycott Montgomery buses and the United States Supreme Court decision declaring segregation. in unconstitutional buses. The actions and legacy of Rosa Parks are intrinsically linked to the concept of transit equity for all.

Learn more about Rosa Parks and the Montgomery Bus Boycott at the Library of Congress.

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What should you consider when considering getting a payday loan? https://commuter-connection.org/what-should-you-consider-when-considering-getting-a-payday-loan/ Fri, 21 Jan 2022 10:45:37 +0000 https://commuter-connection.org/what-should-you-consider-when-considering-getting-a-payday-loan/ Once the loan is accepted by the credit company, the amount is immediately credited to your account. Online payday loans are received simply and in a timely manner. Online payday loans are a fantastic choice for people who have little money to meet their needs. Regardless of the name, these loans are rather short term […]]]>

Once the loan is accepted by the credit company, the amount is immediately credited to your account. Online payday loans are received simply and in a timely manner. Online payday loans are a fantastic choice for people who have little money to meet their needs. Regardless of the name, these loans are rather short term with higher interest rate while people can get anywhere from $50 to $1500. These loans are available without any restriction if used wisely. Online payday loans are a type of advance for lenders in the United States, Great Britain, and other countries where they are in demand and legal.

Potential of payday loans

Online payday loans are exactly the case when the borrower installs some sort of security for the borrowed money. A person can get payday loans online at the best possible price if they apply for it. Usually people choose loans when they are short of money. In line payday loans were designed to create a good borrowing experience and almost everyone is qualified.

Online loans can also be considered an ideal solution if you have a bad credit report, says Dan Carpenter, CEO of MoneyZap.com. Cash loans can be used for whatever money you want. Payday loans are considered an option these days if you want to borrow funds to use on the day. Lenders give you the money you need when needed without the hassle and red tape in the long run, which also allows you to solve financial problems.

Some are much better than others and are one of the best options for getting quick cash. Payday loans without credit checks are difficult compared to the borrower’s salary. In other words, unlike next month’s salary. Instead, seek out the help an MFI can offer. Payday loans provide quick access to cash assistance and meet all demands.

How to get payday loans online?

You can get funding from virtually anywhere in the United States. Completing an online application is all you need to do to get a 12 month loan. Online loans allow you to reach your goals quickly, pay all the bills you need, and get your loan back with reasonable interest rates and coverage periods. Online loans are a great way to get instant funds.

Loans without credit check is a line of credit specially designed for poor lenders to help them with quick financial relief. Make sure you are ready to repay the loan without delay. Online payday loans can be obtained from $100 to $1000. Secured loans, credit checks are not observed in the form of secured and unsecured properties.

Canadian individuals can get a minimum of US$100 for short-term loans with bad credit. However, they cannot get more than 1500 US dollars as this is the maximum limit. People apply for a large number of loans when faced with a very low interest rate. Compared to secured loans, pre-paycheck online loans charge a slightly higher interest rate. Moreover, online payday loans do not need collateral.

What should you know about online payday loans?

There is nothing wrong with borrowing money or taking out payday loans online. Having a well-managed debt is actually an important part of the practice. However, it is common knowledge that a personal loan is difficult to manage because it has very high fees and interest rates. This type of loan is for people already living on paychecks and who may have difficulty repaying the debt in full.

Commissions and interest

The commission for a payday loan can be a percentage of the amount borrowed or a fixed commission depending on the increase in the money borrowed. For example, for a loan of $100, the commission could be $15 with an additional $15 for every $100. The fee is reloaded each time the loan is renewed or renewed if the borrower is unable to repay the loan within a time limit. specified period of time.

Payday loans will also have an annual percentage rate (APR) which depends on many factors and further increases the amount. People who live paycheck to paycheck find it especially difficult. Paying off a payday loan means they don’t have enough money to pay. In this situation, another loan is often taken out with the same fees and the same annual interest rate. Once you enter this cycle, you pay off the payday loan to take another because it becomes extremely difficult to survive until the next paycheck.

Regular fees and short repayment periods

Regular fees, short payment terms, and small payment amounts mean that the cost of getting a payday loan adds up very quickly. This is often mentioned by companies providing employer-sponsored financial advice.

Should I take out a payday loan?

Experts agree that payday loans should be approached with caution. They can solve a short-term financial crisis. But if you can’t pay off your original loan with the money you have left to avoid borrowing another one, they can cause you even bigger problems. However, financial instinct does not outweigh the urgency that many people feel when they are unable to buy basic necessities or pay their bills.

If you need to borrow money and can’t borrow responsibly from family or friends, explore short-term payday loan alternatives first. They offer a small loan from your credit union, bank or small loan company. Be sure to pay attention to the fine print to understand the associated fees and interest rates to ensure this is a smarter option than a payday loan. If a loan is still your only option, choose a loan with the lowest fees and interest rates.

Lenders are required by law to disclose the cost of the loan. Borrow only what you owe and make it less than your salary so you can repay the loan at no extra cost. Ideally, you have enough money left over to pay your next paycheck. So you don’t have to borrow more money to fill the gap. While researching loan options, regardless of your loan or income, beware of apps that promise to lend money fast. Many offer small cash loans for a few days and often don’t have a check. They are a safer and smarter alternative to payday loans.

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Lawmakers propose TLDR law for website terms of use • The Register https://commuter-connection.org/lawmakers-propose-tldr-law-for-website-terms-of-use-the-register/ Fri, 14 Jan 2022 22:33:00 +0000 https://commuter-connection.org/lawmakers-propose-tldr-law-for-website-terms-of-use-the-register/ Almost no one bothers to read terms of service agreements on websites. So a group of U.S. lawmakers on Thursday proposed a bill requiring commercial websites and mobile apps to translate their legalese into summaries that can be more easily read by people and machines. The bill, titled the Labeling, Design, and Legibility of Terms […]]]>

Almost no one bothers to read terms of service agreements on websites. So a group of U.S. lawmakers on Thursday proposed a bill requiring commercial websites and mobile apps to translate their legalese into summaries that can be more easily read by people and machines.

The bill, titled the Labeling, Design, and Legibility of Terms of Use (TLDR) Act [PDF], was presented by Lori Trahan (D-MA-03), Sen. Bill Cassidy, (R-LA) and Sen. Ben Ray Luján (D-NM), technically making it a bipartisan effort – something rare at a time when America’s two major political parties can’t agree on basic facts like who was legally elected president in 2020.

“For too long, blanket terms of service agreements have forced consumers to either ‘accept’ all of a company’s terms or completely lose access to a website or app,” the company said. Rep. Trahan, a member of the House Subcommittee on Consumer Protection and Commerce, in a statement. “No negotiation, no alternative and no real choice.”

“To further tilt the decision in their favor, many companies design unnecessarily long and complicated contracts, knowing that users don’t have the bandwidth to read lengthy legal documents when they’re simply trying to message someone. be expensive or make a quick purchase.”

“The potential for abuse is obvious, and some malicious actors have chosen to exploit these agreements to extend their control over users’ personal data and protect themselves from liability.”

“Users shouldn’t have to wade through pages of legalese in a website’s terms of service to find out how their data will be used,” Senator Cassidy said in a statement. “Requiring companies to provide an easy-to-understand summary of their terms should be mandatory and is long overdue.”

U.S. citizens and residents will continue to wade through — and be bound by — obtuse legal language when it comes to real estate transactions, employment contracts, nondisclosure agreements, loans, tax forms, medical forms, and other contracts. But at least if this bill becomes law, blatant terms of service like the “Herod Clause” – by which London Wi-Fi users in 2014 unwittingly gave their eldest to F-Secure – will not be a problem.

This is not a new problem

Terms of use agreements — similar to but different from end-user license agreements — have long been of concern to advocacy groups. The Electronic Frontier Foundation, for example, has called them terms of abuse, arguing that they let online service providers rewrite their legal relationship with customers, which should be governed by established laws.

The TLDR law, appropriately, comes with a summary [PDF] because even reading a nine-page bill can be a little too distracting with social media, app notifications, and all the people messing around on the internet that needs to be dealt with. It exempts “small businesses” under Section 3 of the Small Business Act (15 USC 632), which itself is not easily summarized. there is a table [PDF] which lists specific criteria of employees and/or income, if you are really interested.

For a business in the “Internet publishing and distribution and web search portals” sector to be exempt, it must have fewer than 1,000 employees. According to the Treasury Department, “if you sold computer programming services under NAICS code 541511, your average annual revenue over the past three years would have to be less than $21 million to qualify as a small business.”

So, assuming the bill becomes law, companies large enough to be covered will need to include concise terms of service summaries above their terms of service pages.

These summaries must specify: the categories of data collected and whether this data is necessary for the service; whether this data can be deleted and, if so, how to do so; legal requirements, such as the use of arbitration for disputes; a change log; and a list of data breaches over the past three years.

Summaries “should be easy to understand, machine readable, and may include tables, graphical icons, hyperlinks, or other means determined by the [Federal Trade Commission,” the bill says.

And the full Terms of Service document must be displayed and marked up in an “interactive data format” such as XML, so contractual terms can be more easily analyzed.

The law does not require companies to identify all the third-parties that might receive user data, perhaps because summaries listing third-party data partners and tracking hosts in apps could get too long to read.

Though the median number of ad trackers per website and per app tends to be low – e.g. 7 and 10 [PDF] respectively – some websites, like news sites, have 40 or more trackers and some apps have more than 30. App Privacy Disclosure imposed on Meta (Facebook) Messenger by App Store Rules d ‘Apple applies to pages if you click the View Details link.

The TLDR Act does not replace strong federal privacy regulations, but it may help the United States move in this direction. ®

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Website lures disgruntled New Yorkers to dwindling housing supply https://commuter-connection.org/website-lures-disgruntled-new-yorkers-to-dwindling-housing-supply/ Wed, 12 Jan 2022 04:32:32 +0000 https://commuter-connection.org/website-lures-disgruntled-new-yorkers-to-dwindling-housing-supply/ Written by Lauren Lamb on January 11, 2022 Advertising A website shouting out why disgruntled New Yorkers should move to Doral continues to draw traffic as its third anniversary approaches, but developer Armando Codina, who created it, has not kept the story going. site even if it is more relevant than ever. It seems that […]]]>
Written by Lauren Lamb on January 11, 2022

Advertising

A website shouting out why disgruntled New Yorkers should move to Doral continues to draw traffic as its third anniversary approaches, but developer Armando Codina, who created it, has not kept the story going. site even if it is more relevant than ever. It seems that he no longer has residences.

Now he’s looking to replicate Coral Gables’ success with its 18-story upscale Regency residences, expecting to rent about 20% to New Yorkers who flock to the area. In neighboring Coconut Grove, Miami Today reported last week, New Yorkers are gobbling up the housing stock.

Codina Partners designed and launched the website, UnhappyNewYorkers.com, on April 15, 2019. The home page reads, “Taxes high. Bad weather.

Exorbitant cost of living. What not to like? The campaign makes a point of luring people to Florida to escape high income taxes and “live where most people vacation.”

“They were way ahead of themselves, creating this before covid,” said Ron Shuffield, president and CEO of Berkshire Hathaway HomeServices EWM Realty. “It played well in the covid. The people who live here are attached to a job in New York City, but with the growth of remote working, they can work from anywhere.

When the pandemic started, Mr. Codina, executive chairman of Codina Partners, said: “Who wants to take public transit? Who would want to work in a 60 story office building?

Mr. Codina has made it clear that the residential flow from New York to Miami is no longer just immune to taxes and inclement weather, but also to public safety concerns.

“I briefly heard New York’s new mayor, Eric Adams, speak. He said New York needs to get its public safety issues back on track, ”Codina said. “But the new district attorney, Alvin Bragg, announced that he was not going to prosecute most crimes. The mayor has a lot of challenges, and I’ve heard New Yorkers say that public safety is one of the biggest concerns. “

“We still get a lot of calls from people in the New York area interested in relocating here,” said Mr. Codina. “But we didn’t maintain the website because we are out of product in downtown Doral. There are so few houses left.

Codina Partners hopes to get a permit in April to start in May or June for its new Regency residences in Coral Gables.

“My market has about 80% empty nests in Coral Gables,” said Codina. “About 20% of the market will come from New York, in demand for residency. If they decide they want to build a house or move out of there, this is a great building to visit. Or stay inside.

Leases can be annual, or the larger “heavenly houses” in the complex have longer leases of five to ten years.

“Miami came on its own in terms of the arts, sports and restaurants,” Codina said. “It’s more ready for New Yorkers than it was 10 years ago.”

“A lot of people hadn’t thought of moving when the website was first created,” Mr. Shuffield said. “Then they saw the tangible comparisons and thought about the boost in the move and their net worth. “

New York income taxes consist of federal, state and, in New York, local tax. Florida is one of the seven states that have no income tax.

According to a report on the United States third quarter to third quarter 2021 “internal migration” market, New York is losing 874 citizens per day while Florida is gaining 579 per day.

“Motivation to relocate also includes businesses that have moved here, like Microsoft’s 50,000 square foot [lease] at Brickell. Mr. Shuffield sees luxury home sales in the $ 50 to $ 75 million range. “We’ll soon see a $ 100 million house sell.”

“The number of people we have helped find accommodation since [website] the launch is way beyond what we expected, ”said Mr. Shuffield. “We help people escape high taxes and escape their lifestyle, especially this time of year. According to the US Weather Atlas, the average temperature in New York in January is 35 degrees, while Miami averages 73.

“In the beginning, we had a lot of traffic and attention on the website,” said Mr. Codina. “We haven’t updated it since 2019 because we don’t have a product. But we will be reactivating the website with the new building in Coral Gables, in April during tax season, like we did the first time around.

According to Mr. Shuffield, Codina Partners did not understand the huge trend she was creating.

“Covid has helped start this trend,” Mr. Shuffield said. “And the trend is here to stay.”

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2021 Alternative Transportation Technology Market Size Analysis by Major Key Players https://commuter-connection.org/2021-alternative-transportation-technology-market-size-analysis-by-major-key-players/ Wed, 05 Jan 2022 05:27:13 +0000 https://commuter-connection.org/2021-alternative-transportation-technology-market-size-analysis-by-major-key-players/ New Jersey, United States, – Market Research Intellect has been analyzing the alternative transportation technology technology and markets since 2018. Since then, through the analysis of company research, we have been very close to the latest market research and development. In addition, Market Research Intellect works closely with many clients to help them better understand […]]]>


New Jersey, United States, – Market Research Intellect has been analyzing the alternative transportation technology technology and markets since 2018. Since then, through the analysis of company research, we have been very close to the latest market research and development.

In addition, Market Research Intellect works closely with many clients to help them better understand technology and the market environment and to develop innovation and commercialization strategies.

Market Research Intellect offers extensive expertise in analyzing the market for alternative transportation technologies. We have been in this industry for 20 years and have closely followed the rise and / or fall, success and / or disappointment of many emerging technologies during this time.

This gives us a unique eye of experience when it comes to analyzing emerging technologies in electronic materials. This is very important as it helps to build a realistic market and technology roadmap that reflects the true potential of the technology based on its intrinsic characteristics and the true level of technology and business challenges it faces.

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Further, the market revenue by region and country is provided in the Alternative Transportation Technologies report. The report’s authors also shed light on common business tactics adopted by players. The major players in the global bAlternate Transportation Technology market and their complete profiles are included in the report. Additionally, investment opportunities, recommendations, and current trends in the global alternative transportation technology market are mapped by the report. As a result of this report, the major players in the global alternative transportation technologies market will be able to make right decisions and plan their strategies accordingly to stay ahead of the game.

The competitive landscape is an essential aspect that any key player should be aware of. The report highlights the competitive scenario of the Global Alternative Transportation Technology Market to experience the competition at the national and global level. The market experts also provided an overview of each major player in the global Alternative Transportation Technology Market, taking into account key aspects such as business areas, production, and product portfolio. Further, the companies in the report are studied on the basis of key factors such as company size, market share, market growth, revenue, production volume, and profit.

The main players covered by the alternative transport technology markets:

  • Aecom
  • AeroMobil
  • AeroVironment
  • Autel robotics
  • Baidu
  • DJI
  • Delft hyperboucle
  • DGWHyperloop
  • Hyperloop India
  • Hyperboucle A
  • HyperloopTT
  • Kespry
  • LiftPort?
  • Lockheed Martin
  • nuTonomy?

Market breakdown of alternative transport technologies by type:

Alternative Transportation Technologies Market Split By Application:

The Alternative Transportation Technology market report has been separated into distinct categories such as product type, application, end user, and region. Each segment is rated on the basis of CAGR, share and growth potential. In the regional analysis, the report highlights the potential region, which is expected to generate opportunities in the global Alternative Transportation Technology Market in the coming years. This segmental analysis will surely prove to be a useful tool for the readers, stakeholders and market players to get a complete picture of the global Alternative Transportation Technologies Market and its growth potential in the coming years.

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Scope of the Alternative Transportation Technologies Market Report

Report attribute Details
Market size available for years 2021 – 2028
Reference year considered 2021
Historical data 2015 – 2019
Forecast period 2021 – 2028
Quantitative units Revenue in millions of USD and CAGR from 2021 to 2027
Covered segments Types, applications, end users, etc.
Cover of the report Revenue forecast, company ranking, competitive landscape, growth factors and trends
Regional scope North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
Scope of customization Free customization of reports (equivalent to 8 working days for analysts) with purchase. Add or change the scope of country, region and segment.
Price and purchase options Take advantage of custom shopping options to meet your exact research needs. Explore purchasing options

Regional Market Analysis Alternative transportation technologies can be represented as follows:

Each regional alternative transportation technology sector is carefully studied to understand its current and future growth scenarios. It helps the players to strengthen their position. Use market research to get a better perspective and understanding of the market and target audience and to ensure you stay ahead of the competition.

Based on geography, the global alternative transportation technology market has segmented as follows:

    • North America includes the United States, Canada and Mexico
    • Europe includes Germany, France, UK, Italy, Spain
    • South America includes Colombia, Argentina, Nigeria and Chile
    • Asia-Pacific includes Japan, China, Korea, India, Saudi Arabia and Southeast Asia

Key questions answered in the report:

  • What is the growth potential of alternative transportation technology markets?
  • Which product segment will take the lion’s share?
  • Which regional market will emerge as a precursor in the years to come?
  • Which application segment will grow at a sustained rate?
  • What are the growth opportunities that could emerge in the lock washer industry in the years to come?
  • What are the main challenges that the global alternative transport technology markets could face in the future?
  • Who are the leading companies in the global alternative transportation technologies market?
  • What are the main trends that are positively impacting the growth of the market?
  • What are the growth strategies envisioned by the players to maintain their grip on the global alternative transportation technologies market?

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The study thoroughly explores the profiles of the major market players and their main financial aspects. This comprehensive business analyst report is useful for all existing and new entrants when designing their business strategies. This report covers the production, revenue, market share and growth rate of the Alternative Transportation Technology market for each key company, and covers the breakdown data (production, consumption, revenue and market share) by regions, type and applications. Historical breakdown data of alternative transportation technologies from 2016 to 2020 and forecast to 2021-2029.

About Us: Market Research Intelligence

Market Research Intellect provides syndicated and personalized research reports to clients from various industries and organizations in addition to the goal of providing personalized and in-depth research studies. range of industries, including energy, technology, manufacturing and construction, chemicals and materials, food and beverage. Etc. Our research studies help our clients make more data-driven decisions, admit push predictions, grossly capitalize on opportunities, and maximize efficiency by acting as their criminal belt to adopt accurate mention and essential without compromise. clients, we have provided expertly-behaved affirmation research facilities to over 100 Global Fortune 500 companies such as Amazon, Dell, IBM, Shell, Exxon Mobil, General Electric, Siemens, Microsoft, Sony and Hitachi.

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