Soccer program – Tom Cosgrave http://tomcosgrave.com/ Sun, 22 Aug 2021 13:13:45 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://tomcosgrave.com/wp-content/uploads/2021/06/icon-2021-06-25T165924.844-150x150.png Soccer program – Tom Cosgrave http://tomcosgrave.com/ 32 32 Revolut launches the payday access platform Payday https://tomcosgrave.com/revolut-launches-the-payday-access-platform-payday/ https://tomcosgrave.com/revolut-launches-the-payday-access-platform-payday/#respond Thu, 19 Aug 2021 10:49:28 +0000 https://tomcosgrave.com/revolut-launches-the-payday-access-platform-payday/ Revolut is launching today a new platform for accessing earned wages called Payday. The platform will give employees instant tracking and access to money they have already earned but have not yet been paid through a traditional salary system. As part of this launch, Revolut is partnering with UK employers with plans for the EEA […]]]>

Revolut is launching today a new platform for accessing earned wages called Payday. The platform will give employees instant tracking and access to money they have already earned but have not yet been paid through a traditional salary system.

As part of this launch, Revolut is partnering with UK employers with plans for the EEA and US to follow. The company states that there will be a “minimal flat fee” for using the platform.

Payday will not impact employee credit scores because it is not a credit or loan scheme. FinTech says the system will allow employees more control and flexibility over their finances, and will avoid accumulating debt between paychecks.

According to Revolut, Payday is free for employers and easy to integrate into payroll systems. The company says cash flow is not affected by the move to the platform, as employers will continue to pay employee salaries at the end of each month.

Nik Storonsky, Founder and CEO of Revolut, said, “We believe in the importance of making financial wellness accessible to everyone, and that includes focusing on the impact of financial stability on the mental health of employees. After the hardships of the past year, the last thing employees need now is financial uncertainty and stress. It’s important to move away from a situation where many rely on expensive short-term payday loans and credit, a dependency that is exacerbated by the monthly payroll cycle. ”


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Loan consolidation company relieving Americans of payday loan debt amid Covid-19 pandemic https://tomcosgrave.com/loan-consolidation-company-relieving-americans-of-payday-loan-debt-amid-covid-19-pandemic/ https://tomcosgrave.com/loan-consolidation-company-relieving-americans-of-payday-loan-debt-amid-covid-19-pandemic/#respond Sat, 14 Aug 2021 15:31:38 +0000 https://tomcosgrave.com/loan-consolidation-company-relieving-americans-of-payday-loan-debt-amid-covid-19-pandemic/ Oakland Park, Florida (PRWEB) August 14, 2021 Covid-19 hit the world by surprise in March 2020, and since then life has taken a dark turn. This pandemic has gripped the world by the neck, from the loss of families and friends to the virus, to job losses and business failures. As businesses close their doors […]]]>

Covid-19 hit the world by surprise in March 2020, and since then life has taken a dark turn. This pandemic has gripped the world by the neck, from the loss of families and friends to the virus, to job losses and business failures. As businesses close their doors and citizens face wage cuts, payday loans have become the order of the day.

Payday loans are advances that lenders give to individuals, which they repay when they receive their paycheck. They are suitable for covering medical emergencies, accidents and unforeseen bills. But they can be a trap if you borrow more money than you can afford. Defaulting on such loans comes with outrageous rolling charges and insane interest.

These loans are attractive and tempting. Creditors know how to target the weak points of consumers, leaving them no choice but to seize them. They use persuasive language to make the deal seem too good to resist. Here are some of the reasons payday loans are great:

  • They have a high likelihood of approval
  • Lenders offer adjustable amounts of money
  • Payday loans come quickly in an emergency
  • When used well, payday loans can be a reliable way to supplement your sources of income.

Although sometimes it is inevitable to borrow these loans, consumers should avoid them like the plague. They have higher interest rates than regular bank loans. “Some companies will entice you with this offer and destroy you with the interest rate. If you have fallen into this trap, do not despair, there is still hope ”, advises National payday loan relief.

Most of the people know the disadvantages of these payday loans, but they borrow anyway. This is because they seem to be an instant helping hand. They are convenient because they do not require guarantors and credit checks. Plus, they don’t feel like a burden. Some people feel embarrassed when borrowing from family and friends, so they opt for payday loans.

“A lot of people love payday loans because of their embarrassment; Do you know that uncomfortable feeling that comes with borrowing from family and friends? Payday loans don’t come with so much shame, ”National Payday Loan Relief (NPDLR) noted. It is advisable to avoid payday loans. Instead, consider other alternatives, like asking friends and family for help. If the payday loan is inevitable, stick to one lender.

“Payday loans tend to be risky, but depending on the situation, it can help under the circumstances. The bottom line about payday loans is that you are trying to find an alternative. If you have to use a payday loan, try to limit the amount and only borrow what you can afford to pay with your next paycheck, and of course, still have enough to make it to the next payday. », Advises NPDLR.

So what about after getting stuck in a payday loan cycle debt? Do you accept defeat and live a miserable paycheck life?

There is a way out of payday loan debt. The NPDLR has developed various initiatives that help you pay off your debts in less time and even at lower rates. First, they have a payday loan consolidation program which allows you to pay multiple loans simultaneously with a single loan.

“Debt consolidation is a service offered by loan relief service providers to facilitate debt refinancing by taking a loan from the consolidator and using it to repay multiple loans owed to other debtors,” explains NPDLR. This program is what people struggling with debts from multiple creditors need to regain their financial freedom. This shortens the repayment time and the final amount you repay.

“Debt consolidation is a relief for personal finances because it allows you to pay off multiple debts simultaneously using a single low interest loan. It also relieves you from nagging phone calls from lenders, among other benefits. Wondering how this loan consolidation program works? It’s pretty self-explanatory. The consolidator takes all the responsibility for the debt clearance, such as negotiating better rates, payment schedule, etc.

“The consolidation company will take care of the rates, fees, renegotiation of terms and all that is expected of you is to pay off your debt in friendly monthly installments through the loan consolidation company.” Why pay a consolidation company to do all of this when you can negotiate your way to pay low interest? To the extent that you can do these things on your own, a consolidator who is familiar with payday loans and the rules governing lending institutions has a better chance than a layman. “Getting such an agreement can be difficult if you try to renegotiate your loan with the creditor on your own,” warns the NPDLR.

There is another solution for consumers with multiple payday loan debts; debt settlement. You use this method as a last resort, after trying other ways to settle your payday debts. Here, you hire a debt management professional or a legal firm to advise you on the options available. It is not easy to negotiate debt cancellation and other settlement options on your own; that’s why you need to look for an expert. “While it is quite possible to do this yourself whenever dealing with complex legal and financial matters, it is always recommended that you contact a lawyer or professional firm who has experience in this type of situation. questions, ”advises NPDLR. .

“Once you have negotiated an acceptable agreement that both parties have signed on, you can finalize the matter. Sometimes this can include writing off the entire debt, but more often there will be a payment plan for a partial amount of the original amount. It’s a good way to save money while reducing monthly payments to a more manageable level. The lower monthly payments leave room for more savings. Saving money is a habit for all of us if accepting payday loan debts interferes with this crucial habit. The money saved gives us hope for a better future and the ability to meet a need if it arises.

“Money is a guarantee that we can have what we want in the future. Although he does not need anything at the moment, it ensures the possibility of satisfying a new desire when it arises, ”said Aristotle. One of the bestselling personal finance authors, Suzie Orman, says that you need to correct the root cause of your financial problems in order to achieve financial freedom. This is why it is essential to speak to an expert for legal and financial advice. “The only way for you to permanently take control of your financial life is to dig deep and fix the problem at the root,” wrote Orman, who is the author of over 25 million books on finance.

Payday loans are at the top of the list of root causes of financial problems for most Americans. When you get the first advance, you pay it off with your next paycheck. If the remaining amount cannot support your lifestyle until the next payday, you borrow another loan. This cycle cannot save you a dime, and your dream of financial freedom delays another day. The main cause of debt accumulation is a lack of budgeting, which results in overspending on unnecessary things. Getting financial advice helps you avoid falling into the same trap by developing better financial habits and comprehensive financial advice.

“As a debt settlement company, NPDLR feels obligated, as our duty, to educate and educate our clients on how to avoid making the same mistake twice. We provide debt advice. financial and credit to anyone who wants to learn and improve each day. Financial credit counseling will give you an idea on how to improve your finances and your credit score in your future spending, ”noted NPDLR. financial advisor can even help you with other alternatives to pay off your payday loans, such as mortgage refinancing. This is a very fragile subject and requires expert advice to save money. If you go for it blindly , you risk getting into more debt.

“When you refinance your loan, you’ll want to get a better deal. When you decide to consider how refinance my mortgage, you’ll want to make sure you’re making the right decisions for that, ”advises NPDLR.

There are other alternatives to turn to when payday loan debt gets out of hand. These are:

  • Financial Debt Management Services
  • Bankruptcy filing
  • Financial debt and credit card advice
  • Payday Loan Debt Settlement

NPDLR offers other loan and credit management services to help clients take charge of their financial well-being. These include:

  • Debt repayment calculator that gives customers an overview of their accumulated debt and payment schedule
  • Credit card debt relief program to help credit card debtors pay off their credit card loans
  • Payday Loans Map to help clients find payday loans and debtor protection areas in their state
  • Debt Settlement Agreement Template Clients Can Use to Write Their Debt Settlement Agreements

About National Payday Loan Relief

NPDLR is a debt settlement company known across the United States for helping you get out of payday loan debt. They help you recover from payday loan debt through their loan relief and consolidation program. Their fundamental values ​​are to be united, reliable, well informed and negotiators. The mission of the NPDLR is to be an efficient and reliable payday loan assistance service provider, helping Americans in all states. They also pride themselves on over 20 years of professional service, with financial experts and qualified lawyers.

For more information on National Payday Loan Relief and Debt Consolidation Services, visit their website or contact them by phone or SMS at (888) 407-4521 or email: info @ nationalpaydayloanrelief .com. Their physical address is 3221 NW 10th Terrace, Oakland Park, FL 33309.


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Is it small? My boyfriend owes me money but won’t pay https://tomcosgrave.com/is-it-small-my-boyfriend-owes-me-money-but-wont-pay/ https://tomcosgrave.com/is-it-small-my-boyfriend-owes-me-money-but-wont-pay/#respond Fri, 23 Jul 2021 04:15:24 +0000 https://tomcosgrave.com/is-it-small-my-boyfriend-owes-me-money-but-wont-pay/ Source: Vladimir Vladimirov / Getty Editor’s Note: This article originally appeared on MadameNoire on June 10, 2016. I think we can all agree that lending money to friends and family is a no-no. There is nothing worse than having to find a less than aggressive way to confront your aunt or friend about that loan […]]]>

Source: Vladimir Vladimirov / Getty

Editor’s Note: This article originally appeared on MadameNoire on June 10, 2016.

I think we can all agree that lending money to friends and family is a no-no. There is nothing worse than having to find a less than aggressive way to confront your aunt or friend about that loan they took for a gift. And while blowing up Rihanna’s “B — h Better Have My Money” is a great way to do it in theory, it’s likely going to make a negative situation worse. So unless the person asking for parts is known to pay people back on a timely basis, tell them all you can lend them is the lint in your pocket.

But what do you do when your boyfriend needs to borrow money to cover some expenses and comes to you? You might also want to cry broke in this situation. In the case of a woman, she would probably encourage you to do so after her boyfriend for over a year decided to take his time to pay her off on a hefty loan. Things were going well in their relationship – until he decided to stick her for his paper.

“He paid me back a small amount, but right now he owes me $ 330 because of other things that have piled up,” the young woman wrote online. “Every time I ask him that question he gets pissed off and pissed off… I’m sick of waiting and I’m afraid he’ll take advantage of me because I have more money. “

I can’t imagine trying to make a relationship work when your boyfriend owes you money and has the nerve to be annoyed by your inquiries about when you’ll get that money back. If he doesn’t pay soon, I’m pretty sure this young lady’s resentment will grow even stronger, and if he does, it will be time to consider if this is someone she needs to be with. to be. A few dollars here and there is one thing, but lend hundreds, maybe even thousands of dollars to have your partner drag their feet to pay? Not a good look. The fact that he doesn’t see the importance of paying what he owes, as if ignoring it would kill any communication on the subject since she is his girlfriend, shows that he has less than admirable traits in as a partner.

Without adding to the pettiness here, but if things seem to be going well aside from the money issue, I would probably choose to avoid taking notes or helping with expenses and outings. If and when he asks why she isn’t helping him or reimbursing him for the purchases he made for her (maybe when she needs him for certain groceries), she can always gracefully remind him of this. debt.

But other than that, I wouldn’t run to Judge Judy about it. Legal costs are not a joke and time wasted? Well, it’s up to the injured party to determine if it’s really worth it. But sometimes you have to suffer loss to learn an important life lesson. In this situation, the lesson is that you don’t need to play Shylock with anyone, and you shouldn’t lend money that you can’t afford to lose. So, for the young lady in this messy financial situation, I would recommend confronting her boyfriend in a straightforward way with a real plan on how he can pay what he owes (instead of just asking, “When can you?” refund me ? “). Tell him that she will take a certain amount per week or that she will come knocking when he gets paid. If he can’t oblige her, she can tell him he won’t hear from her. Yes, maybe it would be better for her to cut her losses and cut him off (and maybe swear to it when you come out of the door) …

But as always, this is only my opinion. What do you say? Is this a little problem that she should let go or should she cut it if he can’t choose not to pay? How would you handle things?

Discover our new series Loops run the world with YouTuber Yolanda Renee:


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SPCE Stock – 3 revolutionary space technologies of the future | Zoom Fintech https://tomcosgrave.com/spce-stock-3-revolutionary-space-technologies-of-the-future-zoom-fintech/ https://tomcosgrave.com/spce-stock-3-revolutionary-space-technologies-of-the-future-zoom-fintech/#respond Fri, 23 Jul 2021 04:15:24 +0000 https://tomcosgrave.com/spce-stock-3-revolutionary-space-technologies-of-the-future-zoom-fintech/ Revolutionary space technologies and achievements give us the opportunity to explore the Universe and learn more about the direction we are heading as a species. They are quite impressive, so feel free to read more about the explorations underway right now. Suppose you are thinking of buying a stock of space exploration technology from a […]]]>

Revolutionary space technologies and achievements give us the opportunity to explore the Universe and learn more about the direction we are heading as a species. They are quite impressive, so feel free to read more about the explorations underway right now.

Suppose you are thinking of buying a stock of space exploration technology from a aerospace company in UK or a company that makes space exploration technology in any other country, for that matter. In this case, your idea is going to make you rich for sure. Future space travel technologies are developing every year (and very rapidly), especially as more and more billionaires express their interest in space exploration and travel. The commercial aerospace industry is making very big and rapid strides forward, developing all kinds of new space technologies, from the smallest satellites to be sent into our planet’s low orbit, to space robots that explore other planets. Below are the three most exciting space exploration technologies and achievements of the past year.

SpaceX sends astronauts to the ISS

Elon Musk created his space exploration technology company SpaceX in 2012 not only to “occupy” Mars, but also to build technologies in space and regularly resupply the ISS. The Crew Dragon craft he worked on for nearly ten years sent NASA astronauts Doug Harley and Bob Behnken from a launch pad in the United States to the ISS in May 2020. This mission, called Demo -2, was a success from start to finish. end and brought the crew safe and sound in August. This marked the beginning of a close collaboration between NASA and private aerospace technology companies. And SpaceX isn’t the only private aerospace technology company in the United States, as Blue Origin and Virgin Galactic are also close to completing commercial spaceflight missions and are already performing successful orbital launches.

Orion considers lunar exploration again

Orion considers lunar exploration again

Interplanetary exploration is at an all-time high lately, with more private tech companies looking to test their latest open space technologies. For example, NASA is looking to put a new station in the orbit of the Moon and will work on this technology for the next ten years. Although this project still seems far from being implemented, NASA has the Artemis program which is much closer to completion. Collaborating with private aerospace technology companies, she wants to get us back to the moon by 2024. The development of the Orion space capsule is key to this plan. Orion is built on the models of the Apollo, Mercury and Gemini capsules, but it is much larger and can accommodate four astronauts. Unlike space shuttles, it features additional safety enhancements, such as technology to abort the launch in the event of a malfunction. In memory of the Columbia tragedy of 2003, such an improvement in security is more than welcome, not least because it saves lives now, as space travel seems to become less and less out of the ordinary.

The globalization of space technologies

Until not so long ago, only superpowers like the United States or Russia had cutting edge technology and were able to travel in space, but 2020 has come to change all that. This is the year in which a few other countries also launched their space technologies. For example, in July 2020, the United Arab Emirates-made Hope satellite was launched to study Mars and reach it in 2021. China has launched its own 34 space technologies, the largest of which is part of the Tianwen-1 mission. , for which an orbiter, with a lander and a rover, was deployed to Mars. Chang’e 5 was also China’s first lunar sample return mission in over 40 years. Meanwhile, Slovenia, Monaco, Iran and Guatemala have launched a first satellite. Now you can see why “space stocks” were mentioned at the start of this article. All of these events have led to a great surge in space exploration technologies in the global stock market, and this trend doesn’t seem to be stopping anytime soon.

Space travel is no longer a subject reserved for sci-fi movies, and has been for some time. Now that governments are open to working with private space technology companies to successfully fulfill their missions, we are moving closer to exploring deeper space. If things continue like this and Earth is no longer facing major issues like the Coronavirus (at least not very often), we are sure to build a new world for our children. It will be a world in which going to other planets to explore or even take a vacation no longer seems an impossible dream. We already have the space technologies to set us on this path. And given that this technology continues to evolve as we speak, aerospace travel, tourism, and travel could be even closer than we can currently imagine.


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Ohio House President Cliff Rosenberger to step down on May 1 https://tomcosgrave.com/ohio-house-president-cliff-rosenberger-to-step-down-on-may-1/ https://tomcosgrave.com/ohio-house-president-cliff-rosenberger-to-step-down-on-may-1/#respond Fri, 23 Jul 2021 04:15:23 +0000 https://tomcosgrave.com/ohio-house-president-cliff-rosenberger-to-step-down-on-may-1/ COLUMBUS, Ohio – Speaker of the House Cliff Rosenberger announced Tuesday evening that he would step down from his seat on May 1 amid questions about an FBI investigation in his expenses and his travels. Rosenberger, a Clinton County Republican who has been a public speaker since 2015, hired a defense attorney after federal agents […]]]>

COLUMBUS, Ohio – Speaker of the House Cliff Rosenberger announced Tuesday evening that he would step down from his seat on May 1 amid questions about an FBI investigation in his expenses and his travels.

Rosenberger, a Clinton County Republican who has been a public speaker since 2015, hired a defense attorney after federal agents opened an investigation into his activities, including a trip to London last summer with representatives from the payday loans.

In a statement released Tuesday evening, Rosenberger said he believed all of his actions as a speaker were “ethical and legal.” But he said the investigation “could take months, if not years to resolve,” adding that “Ohioans deserve elected leaders who can devote their full attention” to the problems facing the state.

Rosenberger made the announcement Tuesday night to the House Republican caucus.

Pro Tempore House Speaker Kirk Schuring, a Republican from Canton, will serve as Speaker of the House until the House elects a new speaker to serve until the end of the year.

In a statement, Schuring said Rosenberger’s announcement was “emotional” to him.

“Going forward, my goal will be to facilitate the operations of this institution as smoothly and efficiently as possible,” said Schuring.

Rosenberger, 36, is the first Asian American to become an Ohio House speaker, and is believed to be the youngest to ever hold the post. An Air Force veteran, Rosenberger was previously political coordinator in the administration of former President George W. Bush.

During his tenure as a speaker, Rosenberger oversaw the largest Republican majorities in the state’s history – a job that at times brought him into conflict with various members of his own party as well as with House Democrats. . Under his leadership, House Republicans passed a number of conservative bills on issues ranging from abortion restrictions to tax cuts, and they tried unsuccessfully to prevent Governor John Kasich from accept federal government Medicaid expansion funds.

Rosenberger also became known for his frequent trips to places such as Los Angeles, France, Israel and England which were paid for by campaign funds or by outside groups.

The FBI is reportedly investigating Rosenberger’s trip to London last August, according to the Cincinnati Enquirer. He was accompanied on the trip by lobbyists Steve Dimon and Leslie Gaines, who work for a securities lender trying to block legislation to crack down on payday lenders.

Federal agents are also interested in his ties to heiress Ginni Ragan, a top House GOP donor who rents a luxury condo in Rosenberger for an undisclosed amount, according to the Enquirer.

Rosenberger said to the Columbus Dispatch Tuesday that he was not personally approached by the FBI or subpoenaed.

It’s not immediately clear how Rosenberger’s sudden departure will affect the ongoing – and controversial – race to succeed him between Reps Ryan Smith and Larry Householder. Rosenberger is considered an ally of Smith.


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Come dance Friday night @ The Fusion of Windsor! https://tomcosgrave.com/come-dance-friday-night-the-fusion-of-windsor/ https://tomcosgrave.com/come-dance-friday-night-the-fusion-of-windsor/#respond Fri, 23 Jul 2021 04:15:23 +0000 https://tomcosgrave.com/come-dance-friday-night-the-fusion-of-windsor/ Now that the ability and mask guidelines are lifted, it’s time to get out there and start having fun again. And that’s exactly what you can do this Friday night. Taking place at the Fusion of Windsor, Route 32 in Windsor, a great dance party will take place from 8:00 am. Favorite local DJ Hudspin […]]]>

Now that the ability and mask guidelines are lifted, it’s time to get out there and start having fun again. And that’s exactly what you can do this Friday night.

Taking place at the Fusion of Windsor, Route 32 in Windsor, a great dance party will take place from 8:00 am. Favorite local DJ Hudspin will kick the tracks off with his massive sound system and keep you in awe with his state-of-the-art light show.

And if you’re wondering about the genre, DJ Hudspin will play pretty much anything you want, as long as you get up and dance to it!

Make it a date night and get out early for dinner. The Fusion of Windsor offers a full home-cooked menu as well as a well-stocked bar with a new seasonal cocktail menu.

Oh, did I mention we’re dating too? So we’ll certainly see you there. If you haven’t been, come see it with your loved one or your whole group of friends. I guarantee you won’t be disappointed.

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However, even with all of these resources, the best cure for food poisoning is to prevent it in the first place. To give you an idea of ​​what human foods can be dangerous, Stacker has put together a slideshow of 30 Common Foods to Avoid. Take a look to see if there are any that surprise you.

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Read on to see if your favorite beach town has made the cut.

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Using data from March 2019 from Social security administration, Stacker has compiled a list of the most popular names in each of the 50 states and Washington DC, according to their 2018 SSA rankings. The top five boy names and top five girl names are listed for each state, along with the number of babies born in 2018 with this name. Historically common names like Michael have only made the top five in three states, while the less common name Harper ranks in the top five for 22 states.

Curious about what names are trending in your home country? Read on to see if your name is in the top five or for inspiration on naming your baby.

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Can you guess how many public schools there are in the United States? Do you have any idea how many billionaires might reside there? Read on to find out, and learn a thing or two about the cultural significance and legacy of each of these selections along the way.

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Read on to find out the average life expectancy in each state.

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While much is still unknown about the coronavirus and the future, what is known is that the currently available vaccines have gone through all three phases of testing and are safe and efficient. It will be necessary for as many Americans as possible to be vaccinated in order to finally return to some level of pre-pandemic normalcy, and I hope these 30 answers provided here will help readers get vaccinated as soon as they can. .

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LOOK: See how much gasoline cost the year you started driving

To learn more about how the price of gasoline has changed over the years, Stacker has calculated the figures for the cost of a gallon of gasoline for each of the past 84 years. Using Bureau of Labor Statistics data (published in April 2020), we analyzed the average price of a gallon of regular unleaded gasoline from 1976 to 2020 as well as the Consumer Price Index (CPI) for regular unleaded gasoline from 1937 to 1976, including absolute and inflation-adjusted prices for each year.

Read on to explore the cost of gasoline over time and rediscover how bad a gallon was when you first started driving.

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Do you already have our free radio app? Otherwise, it’s the perfect way to request a song, talk to DJs, participate in exclusive contests, and stay on top of everything that is happening in and around central Maine and the world. When you download it, make sure to turn on push notifications so that we can send you exclusive content and local news that you need to know first. Simply enter your mobile number below and we’ll send you a download link straight to your mobile device. After that, you can download for free and immediately start accessing all kinds of exclusive content specially designed for you. Try it out and stay connected with us!


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Pay-on-demand services should be accessible to all https://tomcosgrave.com/pay-on-demand-services-should-be-accessible-to-all/ https://tomcosgrave.com/pay-on-demand-services-should-be-accessible-to-all/#respond Fri, 23 Jul 2021 04:15:23 +0000 https://tomcosgrave.com/pay-on-demand-services-should-be-accessible-to-all/ In January, I finished my studies in Psychology and Social Behavior and moved to Nevada to start a new job as a medical case manager in a small clinic. While I was delighted to finally be able to start working in the field, the move was expensive and stretched my budget. Anyone who has moved […]]]>

In January, I finished my studies in Psychology and Social Behavior and moved to Nevada to start a new job as a medical case manager in a small clinic. While I was delighted to finally be able to start working in the field, the move was expensive and stretched my budget.

Anyone who has moved for a new job knows how stressful and expensive it can be. I have always budgeted and managed money well, but had to deal with so many expenses in a short period of time. I had no idea how I was going to cover my last rent check and post a deposit for a new Nevada apartment while I waited for my first paycheck from my new job to arrive. After spending my savings, my mind turned to where I would find $ 50 just to feed myself for the week.

Fortunately, I found a new financial tool called pay-on-demand, which was a lifeline for me during the pandemic and helped me with my move. The service is simple: it allows workers to be paid for the hours they’ve already worked – without waiting for the traditional two weeks for their paycheck to arrive. I used an Earnin service called Cash Out, which helped me avoid going to a payday lender, asking my family for money, or having to pay overdraft fees. I was able to access the salary I had already earned when I needed it, without having to take a high interest predatory loan or worry about my credit rating going down. (Earnin lets you do this for $ 0 and gives you the option to tip if you like the service.) Then on payday, Earnin deducted the income I had accessed from my bank account.

This tool was a huge relief for me and made my move to Nevada possible. It helped me pay my bills and cover basic expenses like food and gas, as well as paying for unforeseen expenses as a result of the move, reducing my financial stress. It really made a difference to me and saved me high bank charges which is why I left a tip.

Recently, I learned that legislation has been introduced to the State Senate (SB198) that could jeopardize pay-on-demand services by favoring those who only work with large companies and well-known payroll service providers, but would leave people like me, teachers, employees of small companies , students and concert workers in the cold. Not only am I worried that this will limit my personal access to this financial tool that helps me budget, but I believe that all services like this should compete on an equal footing to win new clients.

Unlike predatory payday lenders who charge high interest rates, default penalties, and report people to credit bureaus, pay-on-demand actually helps consumers avoid a cycle of debt. So why wouldn’t the legislature protect this tool for all workers in Nevada, not just those employed by large corporations? If the legislation is passed, pay-on-demand will only be available to people working in partner companies of employee-integrated pay-on-demand providers, excluding day-to-day workers like me. Earnin, who has a direct relationship with clients, is a great option and should be protected in Nevada.

Critics of pay-on-demand services like to claim it’s the same as payday lenders, but that’s completely wrong. Name a payday lender that gives you access to your money at no cost and lets you choose the tip amount (spoiler: you can’t). Name a payday lender that lets you access your own money without taking on a high interest loan (spoiler: none!).

If I hadn’t found Earnin, I’m afraid I would have had to turn to a payday lender or some other type of loan. Instead, I was able to rely on the salary I had already earned. It has kept me on track financially and I can tell you this is my favorite way to cover basic expenses like groceries that don’t wait for payday.

I ask our lawmakers not to take our wages away at the behest of small business employees. Stand up and fight for this financial tool that helps people like me.

Mariana Rivera, 25, lives in Clark County.


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How to spot a predatory lender https://tomcosgrave.com/how-to-spot-a-predatory-lender/ https://tomcosgrave.com/how-to-spot-a-predatory-lender/#respond Fri, 23 Jul 2021 04:15:23 +0000 https://tomcosgrave.com/how-to-spot-a-predatory-lender/ Photo: fizke (Shutterstock) Most people are familiar with the concept of predatory lending, a lending practice that imposes unfair or deceptive terms on borrowers, often taking the form of payday loans or title loans with exorbitant interest rates. But what’s the difference between a predatory loan and a legitimate loan with a high interest rate? […]]]>

Image from the article titled How to Spot a Predatory Lender

Photo: fizke (Shutterstock)

Most people are familiar with the concept of predatory lending, a lending practice that imposes unfair or deceptive terms on borrowers, often taking the form of payday loans or title loans with exorbitant interest rates. But what’s the difference between a predatory loan and a legitimate loan with a high interest rate? Here’s how you can spot the difference.

Offer seems too good to be true

Beware if a potential lender shows no interest in checking your credit score, offers quick approval for a loan amount that is much larger than offered elsewhere, or generally promises generous conditions with few questions asked. If the lender does not seem interested in knowing if you will ever be able to repay the loan, it means that they are not want to you pay off the loan someday – they want to keep charging you (probably above average) interest for as long as possible.

Three-digit interest rate

A sure sign of a predatory lender is that they will offer triple-digit interest rates on short-term loans, even if the people with the worst credit scores have alternative options this will guarantee them money at an APR close to 30% (which is still quite high). Predatory lenders are also reluctant to tell you the full cost of the loan with interest, usually hiding it somewhere in the fine print or hiding it until you’ve signed the documents.

Inflated fees and penalties

Legit loans offer a clear path toward repayment, with no surprises. On the other hand, predatory lenders want to keep you on the hook forever, and one way they do so is with excessive late fees that are a percentage of the total loan, rather than a flat fee. And even if you’re a responsible borrower and pay the loan off early, you might be on the hook for prepayment penalties, which can also be calculated as a percentage of your loan. Excessive unwanted charges are also common.

The lender does not report your payments to the credit bureaus

Appropriate lenders rely on credit scores to determine whether to give you a loan, which is why they report your payments (or non-payments) to the three major credit bureaus that calculate your credit score: Experian , Equifax and TransUnion. Naturally, if bad faith lenders are more interested in keeping you in debt and staying under the radar, they’re less likely to. Make sure that any potential lender will report your payments before signing up for a loan.

You’ve never heard of the lender before

Unless it’s a big bank or a credit union that you already trust, research your potential lender. A simple Google search will reveal any complaints from other consumers, as will checking for Consumer Financial Protection Bureau Complaints Database.

The lender wants direct access to your bank account

Although many lenders require access to your bank account in order to process automatic payments, providing this information should not be a requirement. By Karma credit, a predatory lender may treat your account like an ATM, making repeated payment requests even if you accumulate bank overdraft fees if your account runs out of funds. Also note that you should be able to cancel automatic payments at any time.


If you are struggling with debt, consider your options before restructuring your mortgage or taking out an adverse personal or payday loan.


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W. Allan Jones Returns His Waterfront Home in Palm Beach for $ 42 Million https://tomcosgrave.com/w-allan-jones-returns-his-waterfront-home-in-palm-beach-for-42-million/ https://tomcosgrave.com/w-allan-jones-returns-his-waterfront-home-in-palm-beach-for-42-million/#respond Fri, 23 Jul 2021 04:15:22 +0000 https://tomcosgrave.com/w-allan-jones-returns-his-waterfront-home-in-palm-beach-for-42-million/ W. Allan Jones and 320 Island Road, Palm Beach (Wikipedia Commons, Google Maps) UPDATE, May 7 at 9:50 am: Payday lender W. Allan Jones returned his Palm Beach waterfront home for $ 41.7 million, four months after he bought it for $ 26.1 million. Jones Lakeland LLC, a Tennessee corporation run by Jones, sold the […]]]>

W. Allan Jones and 320 Island Road, Palm Beach (Wikipedia Commons, Google Maps)

UPDATE, May 7 at 9:50 am: Payday lender W. Allan Jones returned his Palm Beach waterfront home for $ 41.7 million, four months after he bought it for $ 26.1 million.

Jones Lakeland LLC, a Tennessee corporation run by Jones, sold the 320 Island Road property to PB Island Dreams LLC, a Delaware corporation. The purchasing entity is entrusted to the New York law firm Kleinberg, Kaplan, Wolff & Cohen.

Jones is the founder and CEO of Check it Into Cash, a national short-term loan company he founded in Cleveland, Tennessee in 1993. Check it Into Cash has more than 650 stores nationwide, according to his website .

In January, Jones bought the home from a member of the Berwind family for $ 26.1 million. The original asking price in 2019 was $ 37.5 million.

Jones listed it in February with Suzanne Frisbie of Premier Estate Properties with an asking price of $ 45 million. Frisbie could not be reached for comment. Dana Koch and Paulette Koch of The Corcoran Group represented the buyer.

Records show the 7,526-square-foot home has five bedrooms, six full bathrooms, and two half-baths. The property also has a gym, five-car garage, swimming pool, and 232 feet of intracoastal frontage with a dock and boat lift, according to the listing.

Before toppling that Palm Beach home, Jones sold a 5,826 square foot home, also in Palm Beach, for $ 26.7 million.

palm beach has been extremely active this year. Last month, builder Todd Michael Glaser bought a home to renovate for $ 16.4 million, and a Mexican construction contractor sold a mansion for $ 23 million.


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Impressive Gains in Payday Loan Services Market Including Major Players DFC Global Corp – The Manomet Current https://tomcosgrave.com/impressive-gains-in-payday-loan-services-market-including-major-players-dfc-global-corp-the-manomet-current/ https://tomcosgrave.com/impressive-gains-in-payday-loan-services-market-including-major-players-dfc-global-corp-the-manomet-current/#respond Thu, 22 Jul 2021 01:49:59 +0000 https://tomcosgrave.com/impressive-gains-in-payday-loan-services-market-including-major-players-dfc-global-corp-the-manomet-current/ Payday Loan Services Market Overview and its regional growth since 2021-2027 The study gives a clear view on the global payday loan services market and comprises a detailed competitive scenario and a comprehensive company profile of the major players operating there. To get a clear idea of ​​the competitive landscape in the market, the report […]]]>

Payday Loan Services Market Overview and its regional growth since 2021-2027

The study gives a clear view on the global payday loan services market and comprises a detailed competitive scenario and a comprehensive company profile of the major players operating there. To get a clear idea of ​​the competitive landscape in the market, the report performs Porter’s Five Forces Model Analysis, SWOT Analysis, and Pestel Analysis. The report also provides market attractiveness analysis, in which the segments and sub-segments are studied on the basis of their market size, growth rate, and general attractiveness.

Global Payday Loan Services Market Review 2017-2021 Forecast to 2027 – Analysis by Type, Technology, Application, End User, Industry Vertical, and Region in its extensive research report repository. In the first section of the report, the market definition, market overview, product description, product scope, product characterization, and product specification were discussed. The information presented in this report provides an overview of the latest trends and development plans, patterns and policies observed in the global market. Additionally, the study provides an analysis of the latest events such as technological advancements and product launches and their impact on the global Payday Loan Service market. The global market also includes the data accumulated from numerous primary and secondary sources.

Request sample report: https://marketstrides.com/request-sample/Payday-Loans-Service-Market

Superior Manufacturer Detail –
Wonga
Max Title
DFC Global Corp
Cash America International
Fast cash
Payday advance
Check `n Go
MEM consumer finance
Instant cash loans
LoanMart
Allied cash advance
Finova Financial
Payday the same day
Mutual Money
TMG loan processing
Loans Loans
Just military loans

The payday loan service market is segmented on the basis of end user type, application and region,
Based on type-
Financial support from the platform
Off-platform financial support

App Based-
Staff
Retirees
Others

Recent market value for different regions.

  1. Study of the main suppliers and market disruptors.
  2. Sales data for market competitors.
  3. Market shares in different regions.
  4. Market size
  5. Market standards and changes
  6. Recent development for competitors.

Key questions addressed in the report:
Where is the global payday loan services market today? How is the market going to prosper over the next 5 years?
What are the advanced technologies that will bring income to the market?
What is the historical and current size of the global payday loan services market?
Which segments are the most dynamic and important in the market? What is their market potential?
What are the driving factors that contribute to market growth in the short, medium and long term?
What are the potential opportunities for major market players?
What are the key regions from an investment point of view?
What are the main strategies adopted by the main players in the industry to increase their market share?
Who are the distributors, merchants and resellers of the Global Payday Loans Service market?
What is the sales, revenue and price analysis by market types and applications?

By Market Region Payday Loan Service:

North America (United States and Canada and rest of North America)
Europe (Germany, France, Italy and rest of Europe)
Asia-Pacific (China, Japan, India, South Korea and the rest of Asia-Pacific)
LAMEA (Brazil, Turkey, Saudi Arabia, South Africa and the rest of LAMEA

Check the discount for this report: https://marketstrides.com/check-discount/Payday-Loans-Service-Market

Recent market value for different regions.
Study of the main suppliers and market disruptors.
Sales data for market competitors.
Market shares in different regions.
Market size
Market standards and changes
Recent development for competitors.

About Us:

Market Strides is a global aggregator and publisher of market research reports, equity reports, database directories and economic reports. Our repository is diverse, covering virtually all industrial sectors and even more so each category and sub-category within the industry. Our market research reports provide market size analysis, insight into promising industry segments, competition, future prospects, and growth drivers in the space. The company is engaged in data analytics and assists clients in due diligence, product expansion, factory setup, acquisition intelligence and all other goals through our research focus.

Perhaps our pre-integration strategy for publishers is what sets us apart in the market. The publishers and their market research reports are meticulously validated by our internal panel of consultants, before a feature on our website. These groups of internal consultants are also responsible for ensuring that our website only presents the most up-to-date reports.

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