Easy Payday Loan MTYA http://easypaydayloanmtya.com/ Wed, 22 Jun 2022 17:00:00 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://easypaydayloanmtya.com/wp-content/uploads/2021/05/easy-payday-loan-mtya-icon-150x150.png Easy Payday Loan MTYA http://easypaydayloanmtya.com/ 32 32 NEW POLL SHOWS SIGNIFICANT MAJORITY OF HOURLY WORKERS FIGHTING HIGH GASOLINE PRICES AND INFLATION https://easypaydayloanmtya.com/new-poll-shows-significant-majority-of-hourly-workers-fighting-high-gasoline-prices-and-inflation/ Wed, 22 Jun 2022 17:00:00 +0000 https://easypaydayloanmtya.com/new-poll-shows-significant-majority-of-hourly-workers-fighting-high-gasoline-prices-and-inflation/

According to a Harris poll commissioned by DailyPay and financing our future

77% say the stress of managing finances affects their health

22% of hourly workers report using payday loans in 2022

NEW YORK, June 22, 2022 /PRNewswire/ — High inflation and record gas pump prices are making it difficult for many American hourly workers to cover expenses and save for the future, according to a new Harris poll of more of 600 hourly workers commissioned by DailyPay and Funding Our Future. These tough economic realities have hit some communities harder than others: Among hourly workers, 39% of women say they save less than a year ago, compared to just 28% of men; and 40% of hourly workers whose household income is less than $100,000 say they save less than last year or not at all, compared to 31% of hourly workers with a household income of $100,000 or more.

The new data shows that hourly workers could be hit the hardest by these challenges, with 81% of hourly workers saying rising gas prices have had a negative effect on their ability to pay for other expenses.

Additionally, the survey shows that 75% of hourly workers have struggled to pay their expenses this year. Groceries (49%), gas (48%), utilities (40%) and rent/mortgage (34%) top the list of expenses they struggle to pay. These challenges are colored by the fact that 35% of all hourly workers report having received no raise in the past year, a figure that rises to 49% for hourly workers in households with incomes less than $50,000 a year.

The struggle to pay for basic necessities also weighs on personal well-being: 77% of hourly workers say the stress of managing their finances has had a negative impact on their health.

“First the immediate economic fallout from the pandemic, now record inflation and high gas prices have reminded us how important financial security and flexibility are for American families,” said Shai Akabas, director of economic policy at the Bipartisan Policy Center, which founded Funding Our Future. “It is crucial that we increase access to tools such as emergency savings accounts and pay-as-you-go that help workers save and weather turbulent times.”

To make ends meet, 22% of hourly workers say they have taken out a personal loan this year, including nearly a third (31%) of those aged 18 to 34.

Looking for a way to help their employees through these difficult times, a growing number of employers are offering pay-as-you-go as a financial wellness benefit. Ten percent of hourly workers say they use an on-demand payment app to cover their bills when they don’t have money.

“Employers have the opportunity to strengthen the bond with their employees and provide them with benefits that can help them through uncertain economic times,” said Jeanniey Walden, chief innovation and marketing officer at DailyPay.

In an independent study conducted by the Aite Novarica Group, 4 out of 5 respondents said that having access to compensation at the request of their employer eliminated their dependence on payday loans or overdraft fees.

To learn more about the survey, click HERE.

Survey method:

This survey was conducted online in United States by The Harris Poll on behalf of Daily Pay and Financing our future of May 24-26, 2022, among 2,032 American adults ages 18 and older, of whom 654 are hourly workers. The sampling precision of Harris online polls are measured using a Bayesian credibility interval. For this study, the sample data is accurate to within +-2.8 percentage points using a 95% confidence level. For full survey methodology, including weighting variables and subgroup sample sizes, please contact [email protected].

Funding Our Future, a coalition of approximately 60 organizations spanning the academic, nonprofit, trade association and corporate sectors, is dedicated to making long-term financial security a reality for households across the country. Funding Our Future seeks to highlight the shortcomings of our existing system, encourage more people to save, advance financial literacy, and promote solutions that ultimately improve the financial security of all Americans as they age. For more information, visit https://fundingourfuture.us/.

About Daily Pay

DailyPay, Inc., powered by its cutting-edge technology platform, is on a mission to create a new financial system. Partnered with some of America’s top employers, including Dollar Tree and Adecco, DailyPay is the recognized benchmark for on-demand payment. With its vast data network, proprietary funding model and connections to over 6,000 banking system endpoints, DailyPay ensures that money is always in the right place at the right time for employers, merchants and financial institutions. DailyPay develops the technology and the mindset to reinvent the way money moves, from the start of work. DailyPay is headquartered in New York Citywith operations based in Minneapolis. For more information, visit www.dailypay.com/press.

CONTACT: [email protected]

SOURCEDailyPay

]]>
Somalia: ‘The worst humanitarian crisis we have ever seen’ | Global Development https://easypaydayloanmtya.com/somalia-the-worst-humanitarian-crisis-we-have-ever-seen-global-development/ Wed, 22 Jun 2022 05:00:00 +0000 https://easypaydayloanmtya.com/somalia-the-worst-humanitarian-crisis-we-have-ever-seen-global-development/

Only a “massive” and immediate increase in funds and humanitarian aid can save Somalia from starvation, a UN spokesman has warned, as aid workers report children are starving “under our eyes” in a context of rapidly increasing levels of malnutrition.

In a message to G7 leaders meeting from Sunday in Germany, Michael Dunford, World Food Program (WFP) regional director for East Africa, said governments must make an urgent and generous donation if there should be any hope of averting catastrophe in the Horn of Africa country.

“We need the money and we need it now,” Dunford said. “Will we be able to avoid [a famine in Somalia]? Unless there’s… massive scaling from now on, that’s not going to be possible, quite frankly. The only way, at this stage, is for there to be a massive investment in humanitarian aid, and for all the stakeholders, all the partners, to come together to try to avoid that.

The Horn of Africa has suffered four consecutive failed rainy seasons and is experiencing its worst drought in four decades, a climate shock exacerbated by ongoing conflict and rising prices caused by Russia’s invasion of Ukraine. Across East Africa, 89 million people are now considered ‘acutely food insecure’ by the WFP, a number that has increased by almost 90% over the past year.

“Unfortunately, I don’t see [that rate of growth] to slow down. On the contrary, it seems to be accelerating,” Dunford said.

Last year the UK and other G7 leaders pledged $7bn (£5.7bn) to help countries prevent famine, but calls for Africa to the East have failed to raise enough funds to stave off hunger.

Now those same leaders are being urged to commit to an immediate funding program as Somalia, the worst affected country, descends into disaster. By September, at least 213,000 people in the worst affected areas are expected to face starvation, according to the latest Integrated Food Security Phase Classification (IPC) report.

During a recent visit to the country, Claire Sanford, deputy humanitarian director of Save the Children, said she met mothers who had already buried several children in the past year and whose surviving children were now suffering from severe malnutrition. An acutely malnourished three-month-old baby whom Sanford met “never made it through the night, and we’ve heard a number of stories where he did”.

“I can honestly say that in my 23 years of humanitarian crisis response, this is by far the worst I have seen, particularly in terms of the level of impact on children,” he said. she declared. “The famine that my colleagues and I have witnessed in Somalia has worsened even faster than we feared.”

A Somali woman who fled drought-stricken areas gives water to her baby at a camp for displaced people on the outskirts of Mogadishu, Somalia, Saturday, June 4, 2022. Photo: Farah Abdi Warsameh/AP

In 2011, Somalia suffered a famine that killed more than 250,000 people, mostly children, but Sanford said many people she met said conditions were even worse.

“We have truly failed as an international community in allowing the situation to reach its current level. In 2011, we swore as a community that we would never let this happen again. And yet, we have failed in that promise “, she added.

Dunford said insufficient funding had hampered efforts to learn from the 2011 famine. “We see children dying before our eyes, people who have lost their livelihoods. It’s not that we haven’t learned the lessons of 2011; there have been many very good lessons from this crisis. It’s just that we haven’t been able to implement it to the extent required due to lack of funding.

As of April, the UN had received just 3% of the funds for its $6 billion appeal for Ethiopia, Somalia and South Sudan.

Danny Sriskandarajah, chief executive of Oxfam GB, said the current crisis was partly due to the UK government’s “failure of compassion” and its decision to cut the overseas aid budget by 4 £.6bn last year.

According to the latest IPC assessment for Somalia, around 1.5 million children under five will face acute malnutrition by the end of the year, including 386,400 at risk of severe malnutrition . These numbers are only expected to increase.

]]>
Illinois Secretary of State Democratic Primary: Valencia take on Giannoulias and Moore https://easypaydayloanmtya.com/illinois-secretary-of-state-democratic-primary-valencia-take-on-giannoulias-and-moore/ Wed, 22 Jun 2022 01:23:00 +0000 https://easypaydayloanmtya.com/illinois-secretary-of-state-democratic-primary-valencia-take-on-giannoulias-and-moore/

A popular former state treasurer versus a trailblazing rising star in the Illinois Democratic Party, as well as an esteemed South Side councilman and South Suburb nonprofit director?

Or is it an incompetent former banker versus a mayoral insider who allegedly boosted her husband’s lobbying activities, as well as a desperate politician making baseless accusations and a political puppet planted in the race to confuse voters?

It all depends on which candidate you ask for in the four-way Democratic primary race for secretary of state, the only statewide party contest without an incumbent vying for the nomination — forcing Democrats most powerful in Illinois to choose sides.

The looming vacuum left by retired Secretary of State Jesse White – long considered Illinois’ most popular elected official after an unprecedented six terms – has drawn in an ambitious group of hopefuls seeking to maintain control Democrat of the state’s most public office, responsible for driver services and most other record keeping.

Illinois Secretary of State Jesse White in 2016.

While former State Treasurer Alexi Giannoulias, Chicago City Clerk Anna Valencia, Ald. David Moore (17th) and Homewood resident Sidney Moore all agree that modernizing technology in the office would be their top priority, they differ on their characterizations of each other.

Giannoulias and Valencia have become favorites in the race, thanks to endorsements from big names in the party and heavy campaign contributions.

Those dollars — more than $4.4 million in the bank for Giannoulias and $1.1 million for Valencia at the end of March, with hundreds of thousands more for each since then — have helped them flood the advertising waves.

Giannoulias, who served as state treasurer from 2007 to 2011, faced the same questions that plagued his lost 2010 bid for Barack Obama’s U.S. Senate seat, all surrounding his tenure as agent. of credit for his family’s doomed Broadway Bank.

The institution approved loans to some with suspected ties to organized crime before going bankrupt amid Giannoulias’ Senate campaign.

Former Illinois Treasurer Alexi Giannoulias, the Democratic candidate for Illinois Secretary of State, speaks during a debate in May.

Former Illinois Treasurer Alexi Giannoulias, the Democratic candidate for Illinois Secretary of State, speaks during a debate in May.

Ashlee Rezin/Sun-Times File

“No one has ever accused me of doing anything unethical or untoward from a distance,” Giannoulias told the Sun-Times. “Like many businesses during the Great Recession, unfortunately my family’s office did not survive.”

But Valencia said Giannoulias and his family “have left immigrant families hanging”, arguing that the failure “raises major red flags” about his ability to oversee one of the state’s biggest offices.

Valencia, who was appointed city clerk by former mayor Rahm Emanuel in 2016 and won a full term in 2019, has herself come under fire over hundreds of emails sent from her city account to or about her lobbyist husband. and its customers.

NBC-5 Chicago reported that Valencia failed to report her husband’s lobbying work on her city’s ethics disclosures — the type of declarations of economic interest that would fall under her purview as secretary of state. . She called it “an honest mistake”.

Chicago City Clerk Anna Valencia, a Democratic candidate for secretary of state from Illinois, speaks during a debate in May.

Chicago City Clerk Anna Valencia, a Democratic candidate for secretary of state from Illinois, speaks during a debate in May.

Ashlee Rezin/Sun-Times File

“I’m definitely not the first woman who’s had to say my husband doesn’t speak for me,” said Valencia, who would be the first Latinx woman and person to serve as Illinois secretary of state. .

“I wish I had been more careful with mixing my personal and professional emails, but the experience has made me a stronger person and a better public servant.”

Giannoulias hammered Valencia over the controversy, arguing that because the secretary of state oversees lobbyist registrations, “there can’t even be a whiff of anything inappropriate.”

Aldus. David Moore, who is campaigning vigorously with around $100,000 in hand, has tried to capitalize on the rants of other candidates, presenting himself as the only candidate without any ethical baggage to lug around in the general election.

“Voters want someone of good character and integrity, someone who is there to serve them, who is a good financial manager and who is not looking for a political springboard,” Ald said. David Moore, an accountant who has represented his South Side neighborhood since 2015. “They don’t see that from the other candidates. They have a strong official in me.

Sidney Moore, meanwhile, kept a lower campaign profile, with no donations or expenses reported to the Illinois State Board of Elections. He said he was inspired to run after his driver’s license was suspended due to a series of parking tickets.

Sidney Moore, Democratic candidate for Secretary of State.

Sidney Moore, Democratic candidate for Secretary of State.

“Jesse White made this happen,” said the executive director of the nonprofit organization Big Box Charities Inc. “The citizens of Illinois are tired of expecting different results from the same politicians. They will see that there is a candidate here who is not just a politician.

But the alderman of the same surname suggested political shenanigans were afoot with Sidney Moore entering the race. Aldus. David Moore said “someone put him in the race to confuse voters”, although he acknowledged he had no evidence to back up the claim. “We all know Chicago politics,” the city council member said.

Sidney Moore said the alderman was “holding on to straws. We run in some of the same circles. He probably heard me running. I think he tried to jump in front of me.

Giannoulias and Valencia said they barely knew Homewood’s nominee and had nothing to do with his political aspirations.

For his part, Sidney Moore says he would prioritize upgrading technology in driver services facilities to reduce wait times. He also said he wanted to introduce self-serve stations similar to the kiosks that have sprung up in Michigan.

Aldus. David Moore, who is backed by U.S. Representative Danny Davis and many Chicago clergy leaders, said he wants to expand online services to include car titles and use libraries as satellite DMV offices. He also wants to explore digital license plates, which have been allowed in other states as a way to streamline registrations.

SOSDEBATE_052722_16.JPG

Valencia – which has the coveted endorsement of Jesse White among a host of other elected officials including billionaire governor JB Pritzker and American senses Tammy Duckworth and Dick Durbin – said it would expand mobile services and flexible hours as it did so at City Hall, moving into Park District facilities and offering evening and weekend services.

Giannoulias — backed by dozens of powerful task forces as well as U.S. Representatives Jesús “Chuy” García, Raja Krishnamoorthi, Bobby Rush, Mike Quigley and more — said he wants to digitize driver’s licenses and IDs. State, and introduce a mobile app to help reduce lines.

The winner of the June 28 primary will advance to the general election against the Republican nominee, either state Rep. Dan Brady, R-Bloomington, or former central Illinois federal prosecutor John Milhiser.

Another Jesse White will also be on the ballot in November – a Libertarian candidate from downstate Centralia, unrelated to the incumbent secretary of state.

Early voting is already underway.

]]>
Opinion: Title insurance is key to protecting the American Dream https://easypaydayloanmtya.com/opinion-title-insurance-is-key-to-protecting-the-american-dream/ Tue, 21 Jun 2022 21:33:06 +0000 https://easypaydayloanmtya.com/opinion-title-insurance-is-key-to-protecting-the-american-dream/

As someone who has spent a career in the title insurance industry – both as a builder of a title business and as the head of the industry’s business group – I am proud of the role we let’s play to help protect what most Americans consider the biggest purchase of their lives.

Title insurance is imperative for lenders to ensure that a borrower has ownership rights to a property, but it does more than just protect against title issues. It plays a vital role in the homeownership economy, ensuring that credit gets to those who need it and providing guarantees to those who lend it. Capital markets depend on the due diligence, transparency and protection our industry provides to do its job.

In fact, our industry is so important that throughout the COVID-19 pandemic, title insurance professionals have been deemed essential by the federal government. Their hard work kept much of the economy running during a tough time when buying a home meant more than ever.

During the same period, our industry helped consumers take advantage of low interest rates to refinance mortgages. In a refinance, homeowners obtain a new loan and lenders require a new title search and title insurance policy on that loan to protect their investment. Professionals do the research and review the paperwork, with title companies regularly offering a discount or “reissue rate” on a refinance.

Discounts may also be available if you use the same lender who issued the original loan. And because the ownership of the home remains unchanged, a title insurance “Homeowner’s Policy” is valid through a refinance.

Why is a title search necessary for a refinance? In short, even if someone has recently refinanced, issues could arise that the lender should be aware of before approving a new loan. For example, a homeowner may have taken a lien from a contractor who claims he has not been paid. Or a homeowner may have a judgment on their home due to unpaid taxes, homeowners association dues, or child support. The borrower may also have encumbered the property with loans that were not disclosed when applying for the refinance.

Other issues may arise between origination and refinancing:

  • Easements that have been created by contract or by unfavorable usage or prescription (for example., rights of way for public services, rights acquired by neighbors due to the encroachment of a fence);
  • Restrictions on construction or use contained in a plate, agreements or registered deeds;
  • Rights or claims arising out of bankruptcy;
  • In some states, unpaid parking tickets;
  • Deeds registered between the parties that no longer reflect ownership; Where
  • Fraudulent documents registered against the property.

Real estate is a $3 trillion industry in the United States. There have been a lot of innovations around buying homes, offering credit, and doing real estate transactions. This innovation is positive for consumers. However, innovators can sometimes misrepresent products or confuse them. They point to low loss ratios as proof that title insurance is unnecessary. Not only is this not true, but it is a fundamental misunderstanding of what title professionals do and how our underwriting protects that work.

Low loss ratios are a testament to the work done by our agents to dispose of items prior at closing. It is this work that keeps the cost of our insurance low and protects the owner and the lender from problems that may arise. if not for the work we do before closing — issues that could harm the owner’s credit and the lender’s investment.

While this is clear to active industry participants, it may not seem intuitive to first-time homeowners buying or refinancing. That’s why we take care to explain the process. Through the American Land Titles Association and state associations, the industry continues to develop new tools to help consumers understand the role title insurance plays in closing, the benefits of title insurance, and how to purchase title insurance. The best resource for consumers is ALTA’s comprehensive home closing website, homeclosing101.org.

The work that title professionals do every day is essential to protecting the American Dream. And the work our industry is doing to make the closing process faster and easier is a vital part of the overall economy. All participants in this economy should engage in good faith conversations – with facts and data – to improve our industry’s offerings.

As the economy and housing market begin to slow, we must avoid the temptation to move away from well-regulated products that are a key part of protecting lenders and homeowners. The latest housing crisis has proven that strong underwriting standards are essential, especially during market downturns. But now is never the right time to take on new and unknown risks that will ultimately drive up costs and hurt consumers and lenders.

Mary O’Donnell is CEO of Westcor Land Title Insurance Co. and past president of the American Land Title Association.

This column does not necessarily reflect the opinion of the editorial staff of HousingWire and its owners.

To contact the author of this story:
Mary O’Donnell at [email protected]

To contact the editor responsible for this story:
Sarah Wheeler at [email protected]

]]>
Chicago Tool Library: Bridgeport Nonprofit Community, One Project at a Time https://easypaydayloanmtya.com/chicago-tool-library-bridgeport-nonprofit-community-one-project-at-a-time/ Mon, 20 Jun 2022 21:33:00 +0000 https://easypaydayloanmtya.com/chicago-tool-library-bridgeport-nonprofit-community-one-project-at-a-time/

Behind a blue door and up a loading dock on the south side, there is a small library.

He has no books. Instead there are shelves and shelves of tools: Saws, sewing machines., laminators. Even glaciers.

The sign at the entrance says “Chicago Tool Library”.

It’s a place where Chicagoans can borrow tools for all kinds of projects or jobs rather than having to buy them, said Tessa Vierk, co-founder and executive director.

The association was launched in August 2019 and, in just under three years, has grown from 160 to nearly 3,000 members. People come from all over the city, making up about 98% of Chicago’s zip codes, Vierk said.

“We have teachers planting gardens for their classes,” Vierk said. “We have several small businesses that use our tools to do renovations or to do landscaping outside their restaurant or shop. We have people who use our tools to make money, to do odd jobs.

During the pandemic, people have borrowed pasta machines and ice cream makers for their families, Vierk said. They borrowed telescopes for their children and built custom home offices, she said.

Chicago Tool Library members can borrow tools for home projects.

Anthony Vazquez/Sun-Times

Soon, the library will expand further. This fall, it will acquire all of the tools and equipment from Chicago Community Tools, a similar nonprofit that has been in operation since 2012. That will mean support for over 5,000 additional tools and bigger ones. While the Chicago Tool Library primarily serves individuals, Chicago Community Tools serves groups like nonprofits and schools, so it lends tools like generators.

Vierk said the tool library scoured the south side for a much larger space.

It’s “the best partnership I could imagine,” said Community Tools president Tim Kaczocha.

Kaczocha, who plans to retire, has watched the tools library grow rapidly over the past few years and said he knows it would be a good choice. Community Tools will end its loan services at the end of October, he said.

Tessa Vierk poses for a portrait at the Chicago Tool Library at 1048 W. 37th St in Bridgeport on Tuesday, June 7, 2022.

Tessa Vierk is co-founder and executive director of the Chicago Tool Library.

Anthony Vazquez/Sun-Times

There is an annual “pay what you can” fee to join. One person can pay $5 and another $350. It balances out, Vierk said. And there are no late fees, Vierk said, to avoid the financial hurdles people might otherwise face when renting tools.

For Vierk, starting a tool library made good sense. It’s something any community would benefit from, she said.

“I think it’s really important that communities have access to the tools, literally and figuratively, to take care of themselves,” Vierk said. “I think you should be able to take care of your home and garden without having all these tools, I think you should be able to learn new skills without having to take expensive courses.”

A research paper published by San Jose State University identified at least 50 tool lending libraries nationwide. The website localtools.org shows the tool libraries in Bloomington and Carbondale.

Vierk met co-founder Jim Benton in January 2019 while researching a library of tools. In the spring, they had found a space. And they quickly got volunteers and tool donations.

“The tools were the easiest thing to find,” Vierk said. “So many people, especially in the suburbs, have more tools than they need, and they are eager, when they downsize, retire or move, to make sure their things precious have meaning elsewhere.”

A variety of tools and materials made available to library members at the Chicago Tool Library at 1048 W. 37th St in Bridgeport on Tuesday, June 7, 2022.

The Chicago Tool Library lends tools for seven days.

Anthony Vazquez/Sun-Times

But Vierk hopes people view the Chicago Tool Library as more than just tools. It is also a matter of community; it’s a matter of fairness and self-sufficiency, she says.

“We’ll always have more tools, we’ll always have better tools, we’ll always grow, but I want people to think about what a generous community space like this can really mean to all kinds of people,” he said. Vierk said.

Senior Librarian Shelby Mongan said the library’s mission and sense of community is what many members fall in love with.

She remembers a group of four people who came to pick up a tool earlier this year. They ended up staying in the library for a while talking with volunteers and others about the projects they were working on.

“It went from this transactional, consumerist idea of ​​like, ‘I’m going to rent this thing to you and trade some currency for it,’ and it turned into this wonderful long conversation,” Mongan said. “We saw them for several weeks afterwards. They told their friends about it, and it’s really this human touch, this little bit more of the collaborative economy” that made the difference.

A variety of tools and hardware at the Chicago Tool Library at 1048 W. 37th St in Bridgeport on Tuesday, June 7, 2022.

Tools for all types of projects are available at the Chicago Tool Library.

Anthony Vazquez/Sun-Times

Another member was rehabilitating a bus in 2021 and turning it into a mobile community center, Mongan said.

“Not only can members like her access the tools she needs to work on things, but we talked to her, we got excited, we got to promote some of the things she was doing.”

The Chicago Tool Library at 1048 W. 37th St in Bridgeport on Tuesday, June 7, 2022.

The Chicago Tool Library at 1048 W. 37th St. in Bridgeport.

Anthony Vazquez/Sun-Times

]]>
White Mountain Partners examines the relationship between debt, marriage and divorce https://easypaydayloanmtya.com/white-mountain-partners-examines-the-relationship-between-debt-marriage-and-divorce/ Mon, 20 Jun 2022 19:47:00 +0000 https://easypaydayloanmtya.com/white-mountain-partners-examines-the-relationship-between-debt-marriage-and-divorce/

Partners of the Montagne Blanche

White Mountain Partners Credit Card Debt

White Mountain Partners Credit Card Debt

White Mountain Partners Debt Consolidation

White Mountain Partners Debt Consolidation

White Mountain Partners teaches you how you can finally put an end to those daily phone calls with your creditors.

According to the law, any loan contracted or debt contracted before the marriage is the sole responsibility of the person who borrows. No responsibility falls on their future spouse.

— Partners of the Montagne Blanche

ROCHESTER HILLS, MICHIGAN, USA, June 20, 2022 /EINPresswire.com/ — White Mountain Partners knows that consumers’ priority is getting the best interest rate available. Paying the minimum balance each month only creates more interest payments, not more debt repayments. White Mountain Partners offers a single digit interest rate and a single monthly payment. This allows you to start prioritizing savings instead of struggling to enrich the banks.

White Mountain Partners examines the relationship between debt, marriage and divorce and has come to some interesting conclusions. Times have changed for the United States of America. The value of relationships is vastly different than it was a decade or two ago. Debt is one of the reasons. Money matters have become one of the leading causes of divorce throughout America. This is also a reason why young people avoid getting married. These days, couples don’t want to be held responsible for their spouse’s debt.

“By law, any loan taken out before marriage is the sole responsibility of the person taking out the loan.” according to White Mountain Partners loan consultant Peter Thomson, “no responsibility lies with their future spouse”. However, many people also take out loans after marriage. People who want to continue their studies often take out a loan for their bachelor’s degree. Some even take out a mortgage to buy a house for themselves. This debt will be marital property, that is, it belongs to both spouses. Unless otherwise specified in the prenuptial, the debt will be divided between the couple according to their situation and the state in which they reside.

Money matters have always been a cause of conflict in marriages. Each person has their own “financial personality”. We often see that a person is well organized and smart in making financial decisions. In contrast, the other person in the same relationship is impulsive and doesn’t make good decisions about finances.

Also, many people do not plan how to repay a loan they have applied for and often even spend the loan money on expenses other than what they should be spent on. It is crucial in a marriage to be open to communication and to plan savings before applying for a loan. A couple should sit down and discuss how they are going to manage expenses and how much they should save. Money management planning is not the only factor to consider. When couples take out loans, they also need to consider what will happen if they separate.

The younger generation feels that there are too many complications related to these issues. As a result, there is a growing tendency to avoid marriage altogether. Studies show that baby boomers were prone to finding love and settling down in their early twenties. By comparison, Gen Z seems to be going a different route. They think it’s better to marry late or not at all because they don’t want to share their spouse’s debt.

America’s Growing Debt

There has been an increase in debt over the years in the United States. With over 16 types of loans available to every US citizen and expenses increasing every day, many citizens are opting for loans to cover their expenses. There are several types of loans available. These include:

• Personal loan
• Automatic loan
• Student loan
• Mortgage loan
• Home Equity Loan
• Credit creation loan
• Payday loan
• Small Business Loan
• Title loan
• Pawnbroker
• Boat loan
• Recreational vehicle loan
• Family loan
• Land loan
• Pool loan

With the rising cost of living for Americans, it’s no wonder the debt is growing every year. It is becoming more and more difficult to manage the expenses of a single person, let alone an entire family. Couples, in particular, are struggling to manage their finances and keep raising their standard of living. The ongoing COVID-19 pandemic has also made matters worse. As a result, the younger generation seems to have taken the side of preferring money to marriage, either by divorcing them or by delaying their plans to settle down. Only time will tell if this is a wise decision or the start of another dilemma.

Michael White
Partners of the Montagne Blanche
+1 888-859-7868
write to us here
Visit us on social media:
Twitter
Other

]]>
Reviews | A generation of homeowners encounters a strange new market https://easypaydayloanmtya.com/reviews-a-generation-of-homeowners-encounters-a-strange-new-market/ Mon, 20 Jun 2022 14:34:51 +0000 https://easypaydayloanmtya.com/reviews-a-generation-of-homeowners-encounters-a-strange-new-market/
Placeholder while loading article actions

As recently as March, a 30-year fixed mortgage seemed like a pretty good deal. The average interest rate was below 4%, even though inflation was more than double.

This divergence could not last forever, and it did not. Just last week, mortgage rates jumped more than half a percentage point, ending at 5.78%. This is the biggest one-week increase in more than three decades, and it will push the housing market into uncharted territory. Buyers, sellers and the Federal Reserve are all going to have to learn to navigate this strange new landscape.

Most American homeowners have only known a world where mortgage rates were generally steadily falling — rising slightly when markets crashed or the Fed got choppy, but still falling over time. Rates hit an all-time high in the early 1980s, when Fed Chairman Paul Volcker dramatically reduced the money supply to bring America last great inflation to a standstill. After that, however, came a long downtrend that accelerated after the financial crisis, thanks to ultra-loose monetary policy that the Fed never really unwound even after the economy recovered.

Now suddenly we’re seeing the kind of push that hasn’t been seen since the 1970s. Rates are thankfully still lower than they were then, but they’re rising fast – they’ve more than doubled since January 2021. The last time mortgage rates were this high was in late 2008, meaning nearly 15 years of homebuyers likely got a better deal than what is now available.

Some of these people would no doubt like to move – to downsize or increase in size, to bring growing kids to a bigger yard or better school district, to shorten their commute, or to add an actual home office. But mortgage rates complicate this decision.

Take an average middle-class household with a $240,000 mortgage on a $300,000 home they bought in 2018. If homeowners have decent credit and refinance at 3% during the pandemic, they would have a payment of approximately $1,000 per month. If that family is now moving to a house at roughly the same price, their new monthly payment will likely be just over $1,400.

Those who have money to spend will move anyway, as will those who really need it; if your new job requires you to be in California, you’ll sell the New Jersey house and take the damage. But many who come want to moving will likely choose to stay put, instead.

A 2012 paper by economists Fernando Ferreira, Joseph Gyourko, and Joseph Tracy estimated that “for every additional $1,000 in mortgage debt servicing costs, mobility was about 12% lower.” The homeowners in the example above would see an increase in their debt service of nearly $5,000 per year.

Now, not all households will find themselves in this position. Older households often paid off their mortgage as a down payment or a refund; others will have adjustable rate mortgages or older loans at higher rates that they weren’t able to refinance for one reason or another. Still, the effect is likely to be large – and that means we face not just falling house prices, but falling homeowner mobility.

The last time the United States faced this kind of “lock-in” dynamic, in the 1970s, the effect was mitigated by a feature few mortgages have today: the ability for a buyer to “assume” the loan from the current owner, taking on the payments with the property. Since buyers would pay a premium for a property with a low-interest loan, homeowners could monetize their lower rate and use that money to help finance a new purchase.

Banks, of course, didn’t like to sit on those old low-rate loans when inflation drove up the rates they had to pay on savings accounts, so they started inserting “due on sale” clauses that pretty much ended the assumable mortgage. Government loans made through Veterans Affairs, the Federal Housing Administration, and the United States Department of Agriculture still offer this option, but they represent only a relatively small fraction of outstanding loans.

This will make life difficult for owners, of course, and for employers trying to attract desirable employees from distant locations. But it will also complicate the life of policy makers, who cannot easily predict the effects of their interventions on a key sector like housing. This will make it more difficult for the Fed to stage the soft landing we all hope for.

And this, in turn, is just one example of a broader challenge for policy makers and ordinary citizens. The best comparison we have for where we are today is to the 1970s, but the economy has changed in all sorts of ways since then.

Taxes and government benefits are indexed to inflation, which exacerbates inflationary pressures. More people now work in services, fewer in capital-intensive and heavily indebted manufacturing. Larger parts of the economy are exposed to trade, which means being subject to the actions of other governments and central banks. And as noted above, we are now more than a decade into an unprecedented Fed balance sheet expansion, which has undoubtedly contributed to inflation – and will limit the Fed’s options if we end up in a recession.

So, as familiar as this may sound to those of us with memories of the 1970s, we are actually on new ground. And unfortunately, no one has a good roadmap telling us exactly what’s next.

]]> Real Madrid Transfer News: Latest on Jude Bellingham and other 2022 summer window signings, loans and targets https://easypaydayloanmtya.com/real-madrid-transfer-news-latest-on-jude-bellingham-and-other-2022-summer-window-signings-loans-and-targets/ Sun, 19 Jun 2022 18:16:00 +0000 https://easypaydayloanmtya.com/real-madrid-transfer-news-latest-on-jude-bellingham-and-other-2022-summer-window-signings-loans-and-targets/

With the La Liga title and the UEFA Champions League double in hand, Real Madrid enter the 2022 summer off-season with a number of questions to answer.

The Real Madrid squad is ageing, and while some young players have come through the ranks and established themselves as first-team regulars, they still rely on a number of older players and a succession plan will be forthcoming. necessary for some of them. .

Coming out of a potential Ballon d’Or caliber season, Karim Benzema is 34, and a possible drop is inevitable. Midfielder Toni Kroos is 32 and sometimes seemed unable to cope with the rigors of a full season, but his midfield partner Luka Modric still exudes quality at 36. The club will keep all three but Los Blancos will surely plan ahead.

Losing to PSG for 23-year-old Kylian Mbappe was a blow, and Real Madrid’s response to swing and failure could define the summer.

The Sporting News summarizes the major updates – all day, every day – below.


CONFIRMED OFFERS WITH REAL MADRID: TRANSFERS IN | OUTBOUND TRANSFERS | UPDATED REAL MADRID SQUAD LIST


REAL MADRID ANALYSIS: How Madrid won the Champions League final | Who owns Real Madrid? | Why Thibaut Courtois was the MVP of the Champions League final


Real Madrid transfer news

Last updated: June 19 at 2:16 p.m. ET / 7:16 p.m. BST

Real Madrid ‘could put in place a deal for Jude Bellingham’

According Padlock Ser on June 14, Real Madrid could put in place a deal for Borussia Dortmund’s Jude Bellingham this year, but not for a permanent transfer this summer. With Real Madrid’s full roster for this season, Los Blancos would prefer a deal for next summer.

The report says that as the Madrid outfit have no more room for international players, the two clubs could reach an agreement which would see Los Blancos given a ‘preferred option’ for next summer. This would allow Madrid to secure Bellingham at a cheaper price should his performances impress this coming year, inflating his value.

It’s unclear what Dortmund’s motivation for the deal would be, as his inflated value would only benefit the German club, and an early deal would instead cap his value.

central defense backed up the Cadena Ser report with similar news on June 19, stating that Liverpool and Man United could present competition for the signing of Bellingham.

Mariano, Jovic on his way to Madrid?

With Real Madrid linked with a host of other incoming names, Los Blancos will have to whittle down the list to make room for any other arrivals. Two players who could be offloaded are forwards Mariano Diaz and Luka Jovic.

Mariano, who graduated from Real Madrid’s youth system but has never made significant noise for a first-team berth. Now the 28-year-old could leave the Bernabeu, Sevilla are interested, according to central defensealthough there are difficulties around a deal due to Mariano’s desire to see out the year remaining on his contract.

Jovic, meanwhile, arrived in the summer of 2019 from Eintracht Frankfurt for big money but was a serious disappointment. The 24-year-old is said to be a low-cost contender, with fabrice romano on June 17, reporting talks with Fiorentina over a loan.

Real Madrid take on Chelsea against Gabriel Slonina

‘Gaga’ Slonina was reportedly close to agreeing a £5m (€5.8m/$6.3m) move to Chelsea in March, but their advances were blocked due to the transfer embargo under which the Blues operated at the time.

Real Madrid have since seen a bid rejected for the Chicago Fire and the United States youth international, according to a report by MLSoccer.com.

This created a stalemate between all parties, and despite Slonina’s agent Jaime Garcia’s confidence in a move to Madrid, Chelsea may have regained the lead.

Transfer expert Fabrizio Romano claims the Blues reacted quickly to Real Madrid’s offer, with a new €10m (£8.5m/$10.4m) set to be announced. be accepted for the 18-year-old player.

Luka Modric confirms Real Madrid extension

Real Madrid have finally confirmed a contract extension for veteran star Luka Modric in the Spanish capital.

The Croatian has declared his intention to sign another 12-month renewal at the Estadio Santiago Bernabeu following his Champions League triumph in Paris.

Los Blancos have continued their policy of offering one-year contracts to players aged 30 and over as Modric continues to play with a view to leading Croatia to the World Cup in Qatar.

The former Spurs midfielder has made 436 appearances in all competitions since arriving in Spain in 2012, with three La Liga and five Champions League titles to his name.

Other Real Madrid transfer news

Date Player Publication New
June 15 Marco Asensio Mark Marco Asensio has only one year left on his
Madrid contract, but could be open to a
extension despite links elsewhere this summer
June 9 Reece James Daily Mail Real Madrid considering a move for the
Chelsea star, with Man City also watching
June 8 Dani Ceballos Mark The midfielder is considering a Madrid exit after
fall lower in the depth chart last season
and the arrival of Tchouameni
June 6 Rahim Sterling AS, The Express Man City have offered Raheem Sterling to
major European clubs including Real Madrid
with a prize of £50 million
May 25 Eden Hazard Het Laaste Nieuws Eden Hazard says he is unlikely to leave
Real Madrid this summer, loan or transfer
May 25 Raphael Leao Gazzetta dello Sport Real Madrid were linked with the £120m winger
after missing out on Mbappe, but Milan manager
Maldini considered Leao “untouchable”

Real Madrid summer transfer window 2022

Incoming players:

Date Player Position Age club Transfer/loan fees
June 2 Antonio Rudiger BC 29 chelsea Free transfer
June 14 Aurelien Tchouameni FM 22 monaco £68m + an additional £17m

Aurelien Tchouameni joins Madrid

Madrid confirmed in a statement on June 11 that French midfielder Aurelien Tchouameni would be officially unveiled as a player on June 14, when he will undergo a final medical to seal his departure from Monaco.

The 22-year-old has signed a six-year contract at the Bernabeu.

Confirmation of the agreement with Antonio Rudiger

On June 2, Real Madrid finally announced the signing of German defender Antonio Rudiger on a free transfer from Chelsea. The talented 29-year-old has agreed a four-year contract with the club.

Absent players:

Date Player Position Age club Transfer/loan fees
June 30th Gareth Bale RW 32 outside the contract Free transfer
June 30th Marcello KG 34 outside the contract Free transfer
June 30th isco CAM 30 outside the contract Free transfer

Below is the updated Real Madrid first-team list. New additions during the Summer 2022 window are shown in bold:

Guardians (2): Thibaut Courtois, Andriy Lunin

Defenders (7): Antonio Rudiger (CB) David Alaba (CB), Dani Carvajal (RB), Nacho Fernandez (CB), Miguel Gutierrez (LB), Ferland Mendy (LB), Eder Militao (CB), Lucas Vazquez (RB), Antonio Rudiger (CB), Marcelo (LB).

Midfielders (6): Eduardo Camavinga (CM), Casemiro (CM), Dani Ceballos (CM), Toni Kroos (CM), Luka Modric (CM), Federico Valverde (CM), Aurelin Tchouameni (CM), ISCO (CAM).

Forwards (7): Marco Asensio (AD), Karim Benzema (CF), Mariano Diaz (CF), Eden Hazard (AG), Luka Jovic (CF), Vinicius Junior (AG), Rodrygo (AD), Gareth Bale (AG).

CB = central defender; LB = rear left; RB = right back; CM = central midfielder; CAM = attacking midfielder; CF = centre-forward; LW = left wing; RW = right wing

Real Madrid’s current starting lineup, when fully healthy, currently looks like:

Real Madrid projected their starting XI (4-3-3, left to right): Courtois (GK) — Mendy, Rudiger, Militao, Carvajal — Kroos, Casemiro, Modric — Vinicius, Benzema, Rodrygo.

]]>
Amy wanted to get rid of 34HH boobs until she found OnlyFans and made £40,000 in a month https://easypaydayloanmtya.com/amy-wanted-to-get-rid-of-34hh-boobs-until-she-found-onlyfans-and-made-40000-in-a-month/ Sun, 19 Jun 2022 13:23:27 +0000 https://easypaydayloanmtya.com/amy-wanted-to-get-rid-of-34hh-boobs-until-she-found-onlyfans-and-made-40000-in-a-month/

A woman who wanted a cut to stop people staring at her 34HH boobs is now earning £40,000 a month on OnlyFans and has paid off her family’s total debt of £130,000. Amy Sophia, 27, from Leeds, was so insecure about her ‘huge boobs’ that she used to try to hide her figure in baggy jumpers or tight clothes that would ‘crush’ her chest.

When she went clubbing with friends, she says strangers made comments and looks that depressed her. “Usually when I went to clubs or out in public it was the women who would tell me to ‘put it away’ because their boyfriends were staring at me,” Amy said.

“I usually ignore it, but I once got kicked out of a nightclub for flashing this girl who told me to cover up. I was just fed up. I have such bad posture from the way I was always leaning forward to hide my boobs because when I kept my back straight it made them even more prominent and I hated that attention.

“Now the looks and comments don’t bother me anymore. I know they’re just jealous or they have body issues, they’re obviously not happy in their own skin.

Amy was working five days a week as a spa therapist earning £8.50 an hour when she decided to set up an OnlyFans page in October 2019. She says the site gave her confidence and helped her embrace her curvy figure.

When she joined she was saddled with debts of £30,000 from payday loans. Amy said: “I’ve always wanted a champagne lifestyle on a Coca Cola budget. I went on vacation abroad and always bought new clothes.

“Because of the high interest rates on payday loans, I was stuck in a vicious cycle. Then there was a buzz around this new site, OnlyFans, and something just told me to do it. for money.

“I knew my boobs were getting attention, so I decided to use them to my advantage instead of hiding. In my first month I made £7000 which was insane.

“Every month it was increasing – my best month of income was £150,000, but I average around £40,000 now.”

As well as paying off her own debt of £30,000, Amy was also able to help her parents pay off a combined debt of nearly £100,000. She said: “Helping my family out of debt was the first thing I did with the money.

“It took me about four or five months before I started winning big before I could do it. Mom was so grateful. She’s fully supportive of what I’m doing and always has been from the start.

“The people who are important to me in my family have supported me and that’s all that matters. I’m so lucky to have such an understanding family behind me. I love them so much.”

As a teenager, the model’s figure “changed overnight” as she struggled to embrace her curvy new figure. She said: “I woke up one day when I was about 15 and it’s almost like my boobs just grew overnight, they were huge.



Amy Sophia (Press Jam)

“I slowly started to dislike them as they got bigger and bigger. I felt like I had a hard time hiding them and people looked at me a lot. I avoided certain exercises at the gym and I had trouble buying clothes because they didn’t suit me or I was worried that everything would look too slutty.

At 23, she went to see a doctor about breast reduction, but the details of the operation were so daunting that Amy took longer to think about it. She said: “I was sick of the attention, of the men watching.

“I couldn’t like shopping and buying nice clothes. I also felt like my big chest made me look fat because it hid my shape in the clothes.

“I learned how serious a reduction is, so I took my time to think about it. But during that time of reflection, I discovered Only Fans.

“That’s when I started kissing them. The positive attention has really changed my mindset.



Amy Sophia (Press Jam)
Amy Sophia (Press Jam)

“I realized that a lot of guys there love my boobs and now they are my sources of money.”

Amy likes to spend her earnings on clothes, fine dining and luxury travel – and has been to Mexico, the Maldives, Rome, Thailand, Las Vegas and all over Europe. She also had a Brazilian butt lift to further enhance her figure.

The model added, “I’ve always wanted beautiful things and to do the beautiful things in life. Now I can live the life I always dreamed of and wanted so badly.

“I do what I do for the money, which gives me freedom, and freedom is everything to me.”

]]> Steelers’ Minkah Fitzpatrick: ’embarrassing’ playoff loss to Chiefs, not money, drives Pittsburgh defense https://easypaydayloanmtya.com/steelers-minkah-fitzpatrick-embarrassing-playoff-loss-to-chiefs-not-money-drives-pittsburgh-defense/ Sat, 18 Jun 2022 22:06:24 +0000 https://easypaydayloanmtya.com/steelers-minkah-fitzpatrick-embarrassing-playoff-loss-to-chiefs-not-money-drives-pittsburgh-defense/

The Pittsburgh Steelers have the second most expensive defense in the NFL. Much of that money is tied to the contracts of Cam Heyward, TJ Watt and Minkah Fitzpatrick. Heyward and Watt received hefty contract extensions in the previous two offseasons. Fitzpatrick recently accepted an extension which makes him the The highest paid safety in the NFL.

Asked about being part of a defense with so much financial commitment, Fitzpatrick said the Steelers’ recent disappointment in the playoffs, not the money, is what motivates him and his teammates as they are gearing up for the 2022 season. Fitzpatrick alluded to Pittsburgh’s 42-21 loss in January’s playoff game against the Chiefs. The Steelers defense started strong – it scored the first touchdown of the game on Watt’s fumble return for a score – before caving under pressure from Patrick Mahomes and the Chiefs’ powerful offense. It was the third straight playoff game in which Pittsburgh gave up at least 42 points.

“I don’t necessarily think the money drives us, just how we conduct ourselves,” Fitzpatrick told reporters after signing his extension. “Obviously last year didn’t live up to our expectations at all. I know myself, TJ, Cam, we weren’t all happy or happy with how the season ended Especially in this playoff game, [it] was a shame, honestly. Not our typical self. That’s what drives us.

“Obviously money is a blessing and creates opportunity for everyone and our families. But when you say money, it’s more about what they say with their money. They say, ‘Hey, we trust you to be the best and prepare to be the best and compete against the best and play A++ consistently. ‘ So it’s more of a show that I’m trying to keep up rather than just saying I got paid, so I have to play well. … Now it’s my duty to go out and play at a high level and show them that I deserve this compensation.”

headshot-image

While the defense played a part in the January loss, Pittsburgh’s offense didn’t help its cause. The Steelers gained just 257 total yards, with many of those yards out of game range. Pittsburgh rushed for just 56 yards, continuing a continuing trend of lackluster field efforts.

To revive the offense, the Steelers signed veteran linemen James Daniels and Mason Cole while re-signing tackle Chukwuma Okorafor. They also drafted receivers George Pickens and Calvin Austin III after allowing JuJu Smith-Schuster and James Washington out in free agency. The Steelers’ biggest offensive moves were at quarterback. They signed Mitchell Trubisky early in free agency, then used a first-round pick to acquire former Pitt star Kenny Pickett. These moves should help Pittsburgh’s offense be a more effective unit while putting the defense in more favorable spots.

Speaking of defense, the Steelers have also made several changes on that side of the ball this offseason. They signed linebacker Myles Jack and cornerback Levi Wallace to team-friendly deals in free agency. During the draft, Pittsburgh added youth to its defensive line in the form of DeMarvin Leal, a versatile player who lined up in multiple positions at Texas A&M. The Steelers also brought back cornerback Ahkello Witherspoon after leading the Steelers in interceptions last season.

“I’m really excited,” Fitzpatrick said of his defense. “Obviously I’m delighted to get Ahkello back. I’m delighted with Levi. I’m delighted with Myles. We drafted well ahead. I think we have a young but experienced defense. We have older guys who are great at coaching and preparing new players to play. We’re going to need some new faces to step in. I’m very excited about this coming season.

Pittsburgh’s defense won’t get another chance at Kansas City this season unless they meet again in the playoffs. The Steelers will have the opportunity to settle a score against the Bengals, the defending AFC champions who have beaten Pittsburgh three times in a row. Rest assured, the Steelers are motivated to turn the tide against the Bengals, who outscored the Steelers, 65-20, in their two meetings last season. But the Steelers are more focused on being the best possible defense on a weekly basis and dropping chips where they can.

“Whoever’s in front of us, we have to play against him,” Fitzpatrick said when asked if he would face the Bengals. “Obviously the extra chip they’re going to have on their shoulder and the extra target they’re going to have on their back. When we line up with anybody in the league, as a coach [Tomlin] likes to say, ‘A nameless gray face.’ And it’s not a lack of respect. … No matter who they are, no matter who’s in front of you, you have to approach them as an NFL player.”

]]>