Art Gallery Income – Akademija Art http://akademija-art.net/ Sat, 25 Jun 2022 18:04:02 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://akademija-art.net/wp-content/uploads/2021/06/icon-150x150.png Art Gallery Income – Akademija Art http://akademija-art.net/ 32 32 RadCred certifies RSA 2048-BIT to protect users’ personal loan applications https://akademija-art.net/radcred-certifies-rsa-2048-bit-to-protect-users-personal-loan-applications/ Fri, 24 Jun 2022 10:25:00 +0000 https://akademija-art.net/radcred-certifies-rsa-2048-bit-to-protect-users-personal-loan-applications/ In addition to RSA 2048-BIT, RadCred also uses the services of TrustedSite to scan their site daily for security risks. BURBANK, Calif., June 24, 2022 (GLOBE NEWSWIRE) — According to a report by Global Economic Crime Survey, cybercrime has escalated like never before. Cybercrime, including data breaches, is now the top financial crime. Increasing dependence […]]]>

In addition to RSA 2048-BIT, RadCred also uses the services of TrustedSite to scan their site daily for security risks.

BURBANK, Calif., June 24, 2022 (GLOBE NEWSWIRE) — According to a report by Global Economic Crime Survey, cybercrime has escalated like never before. Cybercrime, including data breaches, is now the top financial crime. Increasing dependence on digitalization, nearly 55% of the population relies on online tools for their credit needs. RadCred incorporates RSA 2048-BIT protection to protect personal loan application data. To ensure the safety of its customers, the platform is also a member of TrustedSite which periodically scans the website to minimize security vulnerabilities.

About RSA 2048-BIT:
The RSA 2048-BIT is an extension of the already existing RSA 1024-BIT. Essentially, 2048-BIT RSA is a type of symmetric encryption which is responsible for securing the website algorithm. The world seems to be adapting well to quantum cryptography which is all about securing the roadmap of websites. Also, 256 bits is the longest and mathematically most difficult AES key length. It is said that an average computer will take over 300 trillion years to crack the RSA 2048-BIT encryption codes (The source). Since RSA 2048-BIT is also the hardest to crack, the US National Institute of Standards and Technology (NIST) states that the use of security codes less than 112-bit will not be permitted by the federal government (The source). Google validated and incorporated said encryption strength by the end of 2013. However, the current encryption keys are valid until 2030. Currently, federal government departments and agencies, non-governmental entities, commercial enterprises and organizations use the highest BIT. RSA encryption to secure their sensitive information.

About RadCred
RadCred is an online marketplace that connects lenders and borrowers. Its USP is to provide funds on personal loans for bad credit in less than 24 hours to its customers in a secure and instantaneous way. The platform also features lenders who accept loan applications without credit checks. To start the process, there are 3 easy steps to complete the application.

Since its inception, the market has already served and helped millions of people around the world. RadCred is also a member of the Alliance of Online Lenders, which ensures that its members respect a code of conduct and propriety by using safe practices. Online Lenders Association (OLA) protects the interests and rights of users to create a diverse and responsible marketplace. RadCred is based in Burbank, CA and connects borrowers with the best mortgage lenders in the industry at the best interest rates.

For more details, visit: radcred.com
Email: info@radcred.com

Disclaimer: RadCred is not a direct lender and is not involved in the loan process in any way.

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RadCred Announces Convenient Online Methods to Connect with Payday Lenders https://akademija-art.net/radcred-announces-convenient-online-methods-to-connect-with-payday-lenders/ Mon, 20 Jun 2022 12:03:00 +0000 https://akademija-art.net/radcred-announces-convenient-online-methods-to-connect-with-payday-lenders/ RadCred announces its partnership with Online Lenders Alliance along with convenient new online methods to connect with various online lenders. BURBANK, Calif., June 20, 2022 (GLOBE NEWSWIRE) — According to the Report, it simply indicates the demographic value of the debt and credit market based on the needs of US citizens and households. To meet […]]]>

RadCred announces its partnership with Online Lenders Alliance along with convenient new online methods to connect with various online lenders.

BURBANK, Calif., June 20, 2022 (GLOBE NEWSWIRE) — According to the Report, it simply indicates the demographic value of the debt and credit market based on the needs of US citizens and households. To meet relevant needs, people tend to opt for online loans. RadCred finally announced that they can facilitate your financial recovery by finding you a reliable source of money thanks to our in-depth knowledge of the market. With minimal requirements and the unparalleled speed of the entire process, you have the ability to get through the tough times and move forward without a burden on your short-term shoulders. Often, when we least expect it, life throws us a curve ball. It is usually the money that is the source of the problem. A number of circumstances can lead to an unforeseen need for cash.

With RadCred borrowers and lenders can connect directly through the lending platform. The more lenders a website has, the easier it will be to get a loan when you need it. Thanks to the efforts made, RadCred now ranks first in this field.

About RadCred

Customers across the United States can use their user-friendly platform to apply for loans for bad credit, payday loans and more. It is a simple process that can be completed in minutes. This is a key consideration as most people apply for emergency loans when they don’t have the time or inclination to fill out lengthy application forms. Overall, apply online no credit check loans on their site is as easy as you could hope. Your application will be submitted almost instantly if you have internet access. The terms and conditions become more restrictive as the loan amount increases. On the other hand, they are not involved in any of this. This article stated earlier that they are just a middleman. Accordingly, only you and the lender can decide on the terms and conditions.

Depending on the type of loan and the repayment period, the APR for personal loans offered on their website range from 4.99% to a lot. For example, the APR on personal loans ranges from 4.99% to 450.99%, while the APR on cash advance loans ranges from 200.99% to 1386.99%. Interest rates on long-term installment loans also range from 6.63% to over 200%. Although the APR is determined by your lender based on various factors, such as your income-to-debt ratio, credit score, credit history, and employment status, the APR is not something you can control. If in doubt about the APR, you should always contact your lender. They have a minimal set of requirements that almost anyone can meet to get a loan in a snap. In addition, you must know and respect the conditions set by the lending institution you choose. With over 60 easy lenders on our network, you have many options to find a lender whose terms and conditions are simple to respect.

As a result, they guarantee fast payment transfer for all loan types, allowing you to reap the rewards of the loan immediately. RadCred’s fast approval and transfer process is a big hit with its customers as they need emergency loans quickly.

Assistance from them is completely free to apply for a private loan. However, taking out a personal loan or personal loan has associated fees. The interest rate is a factor to keep in mind. The interest rate is the amount you pay to borrow money from a lender. When you repay your loan, you will be responsible for both the amount borrowed and the interest the lender charged you. A fixed interest rate or a variable interest rate may be charged. It is important to note that fixed interest rates mean that your interest rate will not change throughout the loan. Interest rates on a variable rate loan can fluctuate over time.

About the online loan process

Some quick cash loan lenders may also charge origination fees. The loan origination fee is a one-time fee intended to cover the costs of administering the loan. A percentage of the loan amount (usually between 1% and 5%) or a fixed fee may be charged as an origination fee.

Also, don’t forget about late fees and prepayment penalties. If you are late with a loan repayment, you can expect late fees from your lender. If you want to pay off your loan early, auto lenders may charge you a fee to make additional payments. Check the terms of the loan to see if the lender charges any of these fees when you receive loan offers.

To obtain a loan of Radcred, there are not many requirements. To qualify, you must have a stable job and a stable income. Therefore, if you do not meet this criteria, they cannot help you. To qualify for a loan from us, you must have an active bank account and be in good standing. You cannot even complete the application if you do not have an active bank account.

RadCred is a service that connects people who need a loan with people who can provide it. To apply for a loan, answer a few simple questions from the comfort of your own home and you’ll be on your way. Payday loans and personal loans are available through RadCred for those in need.

Their website offers a wide range of loan options. Payday loans, bad credit loans and cash advances are the most common. Payday loans are generally the quickest and least demanding to obtain. On our side, we benefit from a low interest rate.

A price range of $100 to $5,000 is listed on their website. To help you, they have assembled a team of over 60 bad credit auto lenders from across the country. Loans between $300 and $500 are the most common on the Radcred websiteand they are also the fastest to obtain.

For more details, visit: RadCred Official Site

Disclaimer: RadCred is not a lender and is only a platform that connects borrowers and online lenders and online lenders are subject to credit score verification of borrowers for approval of the loan.

CONTACT: Email: info@radcred.com
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MIHS Class of 2022 Seniors Attend Interfaith Baccalaureate https://akademija-art.net/mihs-class-of-2022-seniors-attend-interfaith-baccalaureate/ Wed, 15 Jun 2022 16:30:00 +0000 https://akademija-art.net/mihs-class-of-2022-seniors-attend-interfaith-baccalaureate/ MIHS Class of 2022 Seniors Attend Interfaith Baccalaureate Seniors from Mercer Island High School’s class of 2022 gathered at the United Methodist Church on June 7 for an interdenominational bachelor’s degree sponsored by the Mercer Island Clergy Association. The theme for the evening was “Let Peace Prevail”. Several elders spoke of how their faith makes […]]]>

MIHS Class of 2022 Seniors Attend Interfaith Baccalaureate

Seniors from Mercer Island High School’s class of 2022 gathered at the United Methodist Church on June 7 for an interdenominational bachelor’s degree sponsored by the Mercer Island Clergy Association. The theme for the evening was “Let Peace Prevail”. Several elders spoke of how their faith makes a difference in their lives. The keynote address was delivered by Reverend Rhonda Bostrom, new pastor of Holy Trinity Lutheran Church. At the end of the program, Chaplain Greg Asimakoupoulos offered a blessing over the class before one of the elders sounded the shofar invoking God’s peace. Courtesy of Greg Asimakoupoulos

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Introducing Chill AC – Is the Portable Chill AC a legitimate or fraudulent product? https://akademija-art.net/introducing-chill-ac-is-the-portable-chill-ac-a-legitimate-or-fraudulent-product/ Thu, 09 Jun 2022 19:30:30 +0000 https://akademija-art.net/introducing-chill-ac-is-the-portable-chill-ac-a-legitimate-or-fraudulent-product/ There are many summer fun projects and outdoor activities as the warm season approaches. People can enjoy nature in a whole new way during this time of year. Despite this, the season comes with many challenges. The searing heat can create an uncomfortable or even dangerous situation if you are not prepared. Excessive heat can […]]]>

There are many summer fun projects and outdoor activities as the warm season approaches. People can enjoy nature in a whole new way during this time of year. Despite this, the season comes with many challenges. The searing heat can create an uncomfortable or even dangerous situation if you are not prepared. Excessive heat can lead to dehydration or even heatstroke. Another big issue is the high cost of running a traditional air conditioning unit – this can add hundreds of dollars to your energy bill! Fortunately, a portable air cooler can help alleviate these issues.

Personal air coolers are the most efficient method of cooling for people who don’t have access to a central air conditioner. Portable air conditioners provide fast cooling, are easy to use, and consume a negligible amount of energy each day. Portable air coolers can be used in any setting, from a studio apartment to a college dorm to a backyard barbecue. Such a personal air cooler is Cool ACwhich is designed to help ease the discomfort of summer heat.

The Chill Portable AC is a portable and inexpensive alternative to a traditional air conditioner. Its Arctic Hydro technology converts warm air into a cool, pleasant wind where you want it. There is no need for artificial refrigerants or huge compressors. Quiet cooling fan lets you focus on your work or get a good night’s rest.

Does the Chill portable air conditioner work as advertised? This Chill portable air conditioner review addresses these points and more.

What is Portable AC Chill?

According to official site, Chill Portable AC can cool a room quickly and save up to 90% of energy costs in a short time. Designed to provide everyone with pleasant and soothing air, it is a three-in-one portable cooling gadget. There’s even a rapid cooling system that can cool the entire room in minutes, according to the website.

Chill AC is a versatile device that can be used as a humidifier, a regular fan or an air conditioner. The three fan speeds are selectable via the power button. Using Arctic-Hydro technology, this air cooler removes hot air and cools the room inside. A simple addition of water to the compact portable cooling system can provide you with a cool, refreshing breeze from your air cooler.

A water filter in a Chill AC unit collects dust from incoming warm air, traps it, and then exhales clean, cool air. It is ideal for people with dust allergies as it keeps their nasal passages moist. You can make it easier to see at night by turning the light on or off.

The Chill portable air conditioner uses state-of-the-art technology to cool the air at just 8 watts, saving you big bucks on your electricity bill. When you are sitting outside, it will keep you cool with cooling wind. To use the Chill portable air conditioner, you don’t need to install it in a window because it doesn’t need ventilation.

Why choose Chill Portable AC:

Portable air conditioners like Chill AC are designed to keep you cool all summer long. This portable air conditioner has specific features that set it apart from other air conditioners and make it unique. With Chill Portable AC, you can beat the summer heat in the office, at home or outdoors.

Here is a list of our favorite Chill Portable AC features:

  • The Chill portable air conditioner has three fan speeds and three cooling settings: high, medium and low. The adjustable louver on the fan allows its customers to select their preferred mode to suit their mood.
  • Chill AC will start working within minutes once the tank is filled.
  • After filling the tank of the device, it will not need to be refilled for several hours. If you use the Chill AC in your bedroom, you can get a good night’s sleep before you need to refill the tank.
  • A combination cooler and humidifier is appropriate for drier climates. It can help reduce temperature and eliminate harmful bacteria in your personal airspace, making it easier for people to breathe clean, toxin-free air.
  • Standard air conditioners are noisy. On the contrary, portable air coolers are nearly silent and allow you to enjoy the cool wind with peace of mind.
  • Chill AC is easy to use.
  • If your office doesn’t have an air conditioner, you can bring Chill AC to work or use it in your car on your regular commute.

User manual :

Chill Portable AC is simple and easy to use. Simply pour water directly into the device and enjoy cool, humid air. Just follow the guidelines outlined below:

  • The first step is to place the Chill Portable AC on a flat, stable surface. It can be easily placed on a table or bedside table. If you are worried about dripping, which is quite rare until the gadget is full of water, you can place a piece of paper or cloth under the device.
  • Make sure the device is plugged into an electrical outlet before turning it on.
  • Once the appliance is plugged in, fill the water tank from the top. Avoid spilling water on the rims. The water does not need to be ice cold for best results; simply cool will suffice.
  • After filling the tank, close the top cover and click the button on the top of the device to turn it on. You can adjust the fan speed of the Chill AC by pressing the button until the desired speed is reached.
  • If you are unhappy with the hue of your personal space, you can change the light color to achieve the mood you want.

Or buy:

The only place to get a Chill portable air conditioning unit is from the manufacturer’s website. Select your preferred payment method and mailing address on the payment page, then fill in the rest of the necessary information. Each plan is a one-time purchase and there are no additional fees or recurring payments.

Secure and 256-bit encrypted shopping carts let you shop with confidence in seconds. Every order comes with free shipping that usually takes three to five days to arrive, depending on your location. When you buy additional portable air conditioners, you can save a lot of money and ship them faster.

The following discounted options are available on the main site:

  • 1 unit of Chill Portable AC: $99
  • 2 units of Chill portable air conditioners + 1 free: $89 each
  • 3 units of Chill portable air conditioners + 2 free: $79 each

When you purchase the Chill portable air conditioner, you also get an additional 30-day service guarantee. Consumers who are not satisfied with their purchase can get a full refund within the 30-day return period. Customers who have questions or issues regarding Chill can contact the company’s customer service department by email at:

  • Telephone: (813) 445-5677
  • Email: support@chill-ac.com

Conclusion:

With Chill Portable AC, you can explore the world with confidence and security. Conventional cooling methods are not employed in this system. You’ll be breathing in cool, refreshing air in minutes. Portable and lightweight, it can sit on any counter or nightstand, desk or computer table for long-lasting relief and convenience during the heat.

Although small in size, portable air coolers can deliver a significant amount of cold air to the room. Because it’s so lightweight, you can take this cool air conditioner wherever you go. As expected, it’s as reliable at home as it is at work. The Chill Portable AC official website features customer testimonials that show how this product has improved people’s lives. It’s impossible to ignore the cooler’s alluring features and distinctive design.

Do not wait. Get Chill Portable AC today!

SIMILAR ITEMS:

Affiliate Disclosure:

The links contained in this product review may result in a small commission if you choose to purchase the recommended product at no additional cost to you. This serves to support our research and writing team. Know that we only recommend high quality products.

Disclaimer:

Please understand that any advice or guidance revealed here does not even remotely replace sound medical or financial advice from a licensed healthcare provider or certified financial advisor. Be sure to consult a professional doctor or financial advisor before making any purchasing decisions if you are using any medications or have any concerns from the review details shared above. Individual results may vary and are not guaranteed as statements regarding these products have not been evaluated by the Food and Drug Administration or Health Canada. The effectiveness of these products has not been confirmed by the FDA or Health Canada approved research. These products are not intended to diagnose, treat, cure or prevent any disease and do not provide any type of enrichment program. Reviewer is not responsible for pricing inaccuracies. See the product sales page for final prices.

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Can you get a jobless loan? Here’s what you need to know https://akademija-art.net/can-you-get-a-jobless-loan-heres-what-you-need-to-know/ Thu, 12 May 2022 17:41:24 +0000 https://akademija-art.net/can-you-get-a-jobless-loan-heres-what-you-need-to-know/ Getting a loan can help you in many ways when you are in a tough financial situation, however, for some getting a loan is not as easy as it is for others. Many people who need a loan cannot get a good deal because of their credit score or even because they are unemployed. So […]]]>


Getting a loan can help you in many ways when you are in a tough financial situation, however, for some getting a loan is not as easy as it is for others. Many people who need a loan cannot get a good deal because of their credit score or even because they are unemployed.

So what can you do if you are unemployed? Well, the bad news is that you may not be able to get a loan if you are unemployed. The majority of lenders will want you to have a permanent and regular stream of income, as this ensures that you have the funds to pay back.

However, this is not the case for everyone. Instead, you might find yourself able to get a loan from one or two lenders even if you’re unemployed, but the loan won’t be as good as if you were employed.

So how does it all work? Are you stuck vying for no credit check loans or do you have other options?

Can you get a loan while you are unemployed?

You can still qualify for a loan, even if you are unemployed. However, if this is your case, you will need either strong credit or another source of income to support you in this endeavor.

Unemployment can arise unexpectedly or by choice, as would be the case with retirement, lenders will still sometimes consider lending to you, as long as you are able to persuade them that you will be able to make regular payments on time.

This is the main concern of the lender.

A lender will generally want to see three things on an application. These include a good and solid credit history, a good credit rating and regular income.

A strong credit history means you have a good history of paying loans or credit on time with little to no late payments, especially recently.

Your credit rating should be as high as possible, the higher the better. Some lenders will have a minimum score that they accept. The higher your credit score, the lower your APR, the lower your credit score, the higher your APR.

Lenders should also know that you can make repayments every month. Technically, this doesn’t have to come from a paycheck, however, you should at least have a reliable source of income that will be enough to cover expenses on a monthly basis and to cover loan repayments.

What should you think about?

There are many types of loans you can get, but probably the most popular are personal loans. With these loans, you should consider the same things you should consider with any other type of loan.

There will be short and long term financial factors and consequences of taking out a loan that you should be wary of.

Here are some things you should think about.

Can you make payments on time?

First of all, if you’re unemployed, or even employed, being able to make payments on time is a big deal.

You should always ask yourself if you can make the minimum payment on time every time. Late payments will not only affect your credit score, but they can also lead to late fees. If you can’t repay the loan, your lender may even go further.

This means debt collection agencies and a negative credit report, if your loan is secured they can take your property, or you can even be sued.

Understanding these factors is very important to ensure you get what you need from a loan and that a loan won’t be a bad idea for you.

What are the loan terms and risks?

It is wise to make sure you understand the terms of the loan. Read the fine print and write down the important things. This includes payments, fees, penalties, interest, etc.

However, also be aware of the risks, consider the best-case scenario, then consider the worst-case scenario, and don’t go for it unless you’re happy with both.

Consider if this loan is really the best thing for you, what might happen if you are unable to make the payments, and the interest rate, what this will mean for your actual total payment.

Don’t forget to consider the consequences if you don’t repay the loan, could you end up losing your house or your car?

What are lenders thinking?

Remember that each lender will have different credit policies that they will use to determine if the borrower is most likely to repay the loan. It is a risk assessment.

So even if you don’t have a job, some lenders accept alimony, disability benefits, unemployment benefits, social security payments, pensions, child support, interest or dividends, etc.

What types of personal loan can you get?

If you are employed, you could get a secured or unsecured loan. Secured loans are tied to an asset of yours and you risk losing that asset if you do not repay the loan in full. Unsecured loans do not have this risk but usually have a higher interest rate.

You could also get a payday loan (although risky) as well as cash advance or debt consolidation loans!


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MoneyMutual Reviews – Is Money Mutual Legit For Those With Bad Credit? https://akademija-art.net/moneymutual-reviews-is-money-mutual-legit-for-those-with-bad-credit/ Sat, 07 May 2022 07:00:00 +0000 https://akademija-art.net/moneymutual-reviews-is-money-mutual-legit-for-those-with-bad-credit/ Often you can find yourself overwhelmed by financial difficulties without friends or family to turn to. There is a way to save the day without necessarily having to rely on loan sharks who, more often than not, are vicious predators with very high interest rates that could land you in an even worse situation. Presentation […]]]>

Often you can find yourself overwhelmed by financial difficulties without friends or family to turn to. There is a way to save the day without necessarily having to rely on loan sharks who, more often than not, are vicious predators with very high interest rates that could land you in an even worse situation.

Presentation Mutual moneya money lending platform that will allow you to access fast loans from $200 to $5000 in 24 hours. All you have to do is fill out an online form that will connect you with up to 91 lenders in your location, giving you the choice to choose the one that best suits your needs.

What is Money Mutual

Hosted in the moneymutual.com domain, the lending platform has a minimum of $200 to a maximum of $5,000 in loans that will be deposited directly into the account of your choice. Now with a customer base of over 2 million, it proves that it is legit and has had many returning customers as a sign of customer satisfaction.

As soon as you are done filling out the online form and submitted, you can access and choose from a list of lenders in your area. The platform also offers several advertisements and commercials that run on mainstream media.

Terms of integration of the PayDay Loan platform

Anyone over the age of 18, with a current account and a monthly income of more than $800 is eligible to access a loan via the platform. Money Mutual has partnered with over 90 money lending organizations to provide quick loans to the masses in their time of need.

How does Money Mutual work?

Once you register on the Money Mutual platform, you will come across a screen that will allow you to compare the different terms offered by different lenders. You will then be redirected to a website of the lender of your choice for verification in order to finalize the process.

Lenders already have some sort of predetermined strategy that will decide the terms, ie interest rates and repayment periods they will offer you. They will also contact you personally at some point to cross-check your information and bank account before shipping the loan.

They are regulated and required by law to disclose to you, the customer, all fees associated with the process. They are also required to give you all the disclaimers which you should read carefully before finalizing the transaction.

Here is what happens in the backend of the Money Mutual platform:

You will enter your details which will be instantly sent to the various credit institutions available on the platform for verification purposes. Then, depending on your profile, the lenders will present you with loan offers and conditions that they deem appropriate for your situation. You will then decide which offer suits you best and complete the process where the money will be deposited in your account within 24 hours.

Process of using Money Mutual

You won’t be charged a penny for access the Money Mutual platform but individual lenders will charge interest on their loans. You will need to carefully inspect their terms and conditions to avoid getting yourself into trouble.

The whole process of registering and entering your details will take around five minutes and probably less for a returning customer.

MoneyMutual Payday Loans Customer Reviews

Here’s what some happy customers had to say about the Money Mutual platform:

K. Battiste

I appreciate how fast and accurate it was. It was right there the next day as they said. One of my daughters became a city ambassador and had to pack her bags – finished in time. The money was missing – it was just on the key.

Rashonda R

It was perfect – right on time. Very convenient. It was great service because I had never taken out a loan before and I don’t do it over the internet or over the phone. After all you know so many scams and tricks – so they reassured me and made me feel comfortable giving my information – you know what I’m saying – giving my information to get the loan – it’s was very reassuring.

Thomas G.

A little fast and fast, that’s all. It didn’t take long to process. Didn’t cause any problems – got straight to the point.

Nicole G.

My car broke down and I needed transportation to work. I saw the ad on TV and decided to call. At first I thought it was a gimmick, but I got into it. It took less than 2 minutes to find the lender. They were nice. It was approved and it all happened in less than 30 minutes – and that’s what I loved.

Kacy P

I submitted my information and all that, and I was able to get a loan. They answered all my questions.

About Money Mutual

The organization is located in Las Vegas, Nevada. Although they do not offer loans, they have provided a platform on which they have collaborated with lending institutions to help ordinary people in difficult situations requiring fast loans.

You can reach them via:

  • Email: customerservice@moneymutual.com
  • Phone: 844-276-2063

To learn more about express loans and how they work, visit the official website for more information.

RELATED: Best Loans for Bad Credit: The Most Reputable Bad Credit Lenders of 2022

Affiliate Disclosure:

The links contained in this product review may result in a small commission if you choose to purchase the recommended product at no additional cost to you. This serves to support our research and writing team. Know that we only recommend high quality products.

Warning:

Please understand that any advice or guidance revealed here does not even remotely replace sound medical or financial advice from a licensed healthcare provider or certified financial advisor. Be sure to consult a professional doctor or financial advisor before making any purchasing decisions if you are using any medications or have any concerns from the review details shared above. Individual results may vary and are not guaranteed as statements regarding these products have not been evaluated by the Food and Drug Administration or Health Canada. The effectiveness of these products has not been confirmed by the FDA or Health Canada approved research. These products are not intended to diagnose, treat, cure or prevent any disease and do not provide any type of enrichment program. Reviewer is not responsible for pricing inaccuracies. See the product sales page for final prices.


The news and editorial team at Sound Publishing, Inc. played no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.

Sound Publishing, Inc. accepts no responsibility for any loss or damage caused by the use of any product, and we do not endorse any product displayed on our Marketplace.

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FTSE 100 drops as recession fears hit markets https://akademija-art.net/ftse-100-drops-as-recession-fears-hit-markets/ Fri, 06 May 2022 17:04:09 +0000 https://akademija-art.net/ftse-100-drops-as-recession-fears-hit-markets/ ggood morning. There are warning signs that the UK property boom may finally be coming to an end. The average house price rose 1.1% in April to £286,079, according to Halifax. This is a new record and the 10th consecutive month of growth. However, growth slipped to 10.8% on an annual basis, from 11.1% the […]]]>

ggood morning.

There are warning signs that the UK property boom may finally be coming to an end.

The average house price rose 1.1% in April to £286,079, according to Halifax. This is a new record and the 10th consecutive month of growth.

However, growth slipped to 10.8% on an annual basis, from 11.1% the previous month.

Halifax warned that rising interest rates and runaway inflation would soon dampen demand, and predicted slower growth by the end of the year.

5 things to start your day

1) Rising unemployment and soaring inflation: Britain’s gloomiest economic forecast for a decade Britain’s economy will be hampered by higher borrowing costs by the Bank and cuts in fiscal support by Chancellor Rishi Sunak

2) Landlords clash with developers to tackle ‘generational rent’ Developers warn planned reforms will spell the end of High Street

3) Britain faces recession and 10% inflation as interest rates rise Grim predictions on growth and unemployment as Bank raises rates to 1%

4) Nadine Dorries will continue the competition crackdown on big tech Culture Secretary launches Digital Markets Unit with power to impose multi-billion pound fines

5) Climate change crisis will ‘eclipse’ cost of living, says Mark Carney Former Bank of England governor says governments must seize the moment and move away from fossil fuels

What happened overnight

Asian stocks fell to their lowest level in seven weeks and the dollar held firm as investors around the world avoided riskier assets on fears that rising US interest rates and China’s strengthening of its zero-Covid policy does not harm growth harshly.

MSCI’s broadest index of Asia-Pacific stocks outside Japan lost 2.7% and fell to its lowest level since March 16, the day Chinese Vice Premier Liu He pushed shares higher in pledging to support markets and the economy.

The Japanese Nikkei bucked the trend, rising 0.6% as it returned from a three-day vacation. Chinese blue chips lost 2%, the Hong Kong benchmark lost 3.4% and the Chinese yuan fell to an 18-month low in both onshore and offshore markets.

coming today

  • Business : Apax Global Alpha, Beazley, International Consolidated Airlines Group (temporary); InterContinental Hotel Group, Spirent Communications (commercial statement)
  • Economy: Building PMI (UK)non-agricultural payroll (WE)average weekly earnings (WE)unemployment rate (WE)
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Parxal Reviews – Do Parxal Stomach Patches Work Or Slimming Patch Scams https://akademija-art.net/parxal-reviews-do-parxal-stomach-patches-work-or-slimming-patch-scams/ Thu, 14 Apr 2022 21:04:23 +0000 https://akademija-art.net/parxal-reviews-do-parxal-stomach-patches-work-or-slimming-patch-scams/ Parxal is a fat burning patch that helps eliminate fat around the abdomen. It is also called an invisible patch which helps to have a flat stomach. What’s also great about Parxal is that it can be used with any clothing and it can also remove the fat that has accumulated on your back. In […]]]>

Parxal is a fat burning patch that helps eliminate fat around the abdomen. It is also called an invisible patch which helps to have a flat stomach. What’s also great about Parxal is that it can be used with any clothing and it can also remove the fat that has accumulated on your back. In other words, when using Parxal, people not only train more defined abs, but also make their back look sexier.

How does Parxal work?

Parxal uses the effect of heat to eliminate the fat that has accumulated around the waist. It easily replaces the famous fat-burning pants, but at the same time it allows you to wear clothes over it so that it is not noticed.

Parxal contains only natural ingredients that help the body get rid of fat more efficiently. These patches are discreet, which means that when they are worn, no one can notice them. This means that they can also be worn during the day.

Parxal patches are most effective in speeding up the weight loss process and burning extra fat. And they do all of this without causing any damage to the skin. In addition, it is very easy to put them on and take them off. Each Parxal pack contains 10 patches in total.

Key Features and Benefits of Parxal

Here are the main benefits and features of Parxal:

  • Flat stomach – for a slim body and the belly that every man or woman has always dreamed of
  • 100% NATURAL – Because they contain only natural ingredients, Parxal patches are not only safe to use, but also do not cause side effects.
  • Results in No Time – Parxal promises almost immediate results when used for just 4-6 hours, and not even every day. As mentioned, 1 Parxal pack contains 10 Parxal patches
  • Discreet and comfortable – Parxal patches are so discreet and comfortable that the wearer can put them under clothing and not be bothered by them
  • Easy to use – using Parxal patches is very easy, as the wearer should place them on the abdomen, with the sticky side towards the skin and the hole around the navel
  • CAN BE GIFTED – Parxal patches can be given as a gift to anyone looking to lose extra weight around the abdomen.

READ ALSO : Best Weight Loss Supplements in 2022 [Reviewed]

What do people have to say about Parxal Patches?

According to the positive reviews left by Parxal users, these patches are best for helping to have a slimmer abdomen and being satisfied with the appearance of the users body. But here are the opinions of previous users, whose names are not given here, explained.

For example, one user said she was buying such patches for the first time since she used to spend a lot more money on similar products. However, she noticed that Parxal has a very good price and has positive reviews, so she decided to finally try it. After using the patches for only a few weeks, she said she was extremely satisfied with the product.

T. says she is extremely pleased with Parxal as it meets all her expectations and is well packaged. Studying the reviews of other different brands, she wasn’t very convinced of what she had found. At least she had the Parxal reviews to be convinced by this product.

S. mentions how he purchased Parxal with the 50% discount. He says he had been interested in a similar product for some time, and despite knowing the Parxal brand, he was convinced to give it a shot. Now S. is most satisfied with the purchase he made.

According to P., Parxal was not only delivered quickly, but also offered the best quality. He also says that the The Parxal site has many advantages to offer seniors, but also the best prices. He bought 2 units and is very satisfied with the ratio between the price and the quality of the product.

How much does Parxal cost?

Now, Parxal can only be purchased from the official product websitewhere it is currently offered at the following prices:

  • 1 pack for $49.95
  • 2 packs at $32.5 per pack
  • 3 packs at $29.67 per pack
  • 5 packs at $21.8 per pack
  • 8 packs at $19.38 per pack
  • 10 packs at $17.5 per pack
  • 15 packs at $14.6 per pack
  • One-year warranty costs $5.95
  • 2 year warranty is $9.95

Payments can be made by card or PayPal. Products can be returned for a refund within 30 days of purchase. Parxal’s contact details are:

support@ecomgroupteam.com

  • +34 936 07 15 65 – English language
  • +34 936 07 15 66 – Spanish language
  • +34 936 07 15 66 – שפה עברית
  • +34 936 07 15 65 – French language

READ ALSO : Exipure Review: Dangerous Side Effects or Safe Diet Pills That Work?

Affiliate Disclosure:

Links in this product review may result in a small commission if you choose to purchase the recommended product at no additional cost to you. This serves to support our research and writing team. Know that we only recommend high quality products.

Warning:

Please understand that any advice or guidance revealed herein does not even remotely replace sound medical or financial advice from a licensed health care provider or licensed financial advisor. Be sure to consult a professional doctor or financial advisor before making any purchasing decisions if you are using any medications or have any concerns from the review details shared above. Individual results may vary and are not guaranteed as statements regarding these products have not been evaluated by the Food and Drug Administration or Health Canada. The effectiveness of these products has not been confirmed by the FDA or Health Canada approved research. These products are not intended to diagnose, treat, cure or prevent any disease and do not provide any type of enrichment program. Reviewer is not responsible for pricing inaccuracies. See the product sales page for final prices.

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MoneyMutual Review: The Leading Payday Loan Company to Use? https://akademija-art.net/moneymutual-review-the-leading-payday-loan-company-to-use/ Wed, 09 Mar 2022 20:07:36 +0000 https://akademija-art.net/moneymutual-review-the-leading-payday-loan-company-to-use/ And if you had an emergency today – your car broke down, you ended up in the hospital, an unexpected house repair, anything could happen. Do you have an emergency fund to help cover unexpected expenses, or will you have to rely on family, friends or, even worse, a credit card? MoneyMutual is a free […]]]>

And if you had an emergency today – your car broke down, you ended up in the hospital, an unexpected house repair, anything could happen. Do you have an emergency fund to help cover unexpected expenses, or will you have to rely on family, friends or, even worse, a credit card? MoneyMutual is a free resource that connects lenders with borrowers who can grant short-term loans to people ranging from $200 to $5,000, often within 24 hours. Customers can access the company online and fill out a simple form that gives access to over 90 lenders. One can choose the lender based on who has the best offer.

However, most people wonder if MoneyMutual is a lender and how the process works. This review provides comprehensive information to help you learn how MoneyMutual works.

What is MoneyMutual?

MoneyMutual is an online resource whose website at MoneyMutual.com gives you access to several lenders available in your area. MoneyMutual was founded in 2010 and has a proven track record of providing customer-focused services to Americans who might need help covering an unexpected expense. They are a member of the Alliance of online lenders and provide useful information on their website to help consumers recognize websites that may be trying to take advantage of people or obtain their information to use for identity theft or fraud. Montel Williams served as the company’s spokesperson for nearly a decade.

How does the short-term loan company work?

MoneyMutual offers its customers easy access to lenders who offer short-term loans. It provides access to lenders who offer loans to people with bad credit and people who need access to money faster than traditional loans could provide. A recent survey found that nearly 60% of Americans cannot cover an unexpected $1,000 bill with savings.

People over 18 with a verifiable income of at least $800 per month and an official bank account can find a lender through MoneyMutual. Fill out the form on the website and check out the different lenders recommended by the company. The company partners with over 90 lending companies, ensuring customers choose when reviewing loans on offer.

Once you have chosen the best deal through MoneyMutual, you are directed to the lender’s website and provide more details for loan processing to begin. Here is a detailed breakdown of how the system works:

  • Provide personal information: MoneyMutual gives you access to an online form where you will submit your information
  • Review by lenders: Lenders review the information to determine the appropriate amount to offer.
  • Receive the money: Once the lenders approve the application, they deposit the money directly into your account within 24 hours.
  • The amount one can borrow through MoneyMutual ranges from $200 to $5,000.

Are there any fees associated with MoneyMutual?

Filling out the form on the website is free. You will not pay MoneyMutual at any time. You will repay your loan to the lender you sign up with. It is essential to review the terms and conditions before choosing a lender to understand how much it may cost to borrow.

How long will it take you to use MoneyMutual?

The online form is easy to fill out. This may take you a maximum of ten to fifteen minutes if this is your first time using the site. Frequent customers may take less time since the site has the information. Once you complete the online form, the lender reviews it and makes you an offer – if you accept, the money can be available within 24 hours.

How do Money Mutual lenders work?

MoneyMutual offers its customers access to more than 90 lenders. Each lender reviews the personal information provided and goes through the financial history before approval. You choose the best lender based on your needs.

Lenders review information using the following process:

  • Once you submit the information, the lending company reviews all the details provided
  • Lenders follow the requirements before making a final decision
  • If the lenders approve the application, you will be directed to the lender’s official website to accept the terms and conditions of the loan.
  • In some cases, the customer service team may contact you to confirm details, such as your bank account, before finalizing the process.

The process is simple and only takes a maximum of 24 hours once approved. All payday lenders at MoneyMutual are open with all required fees and charges. They also charge the recommended interest rates required by law. It is essential to check all charges to avoid any inconvenience.

What is MoneyMutual’s interest in the whole process?

MoneyMutual is a resource for your loan application process. They give you access to different payday lenders in your area where you can borrow money quickly. All clients are requested to read the terms and conditions carefully before entering into any contract with the lenders.

You do not pay any fees for the loan application MoneyMutual, you enter into a contract with the lending company, and they each have their terms and conditions. MoneyMutual collects fees from the lender, not the borrower, so it has no financial interest in your loan until you register with the provider of your choice.

What do most customers say about MoneyMutual?

The lending industry, particularly the area of ​​payday loans, has a shady reputation. However, MoneyMutual is one of the oldest companies that connects customers with the most trusted loan companies. They have served over two million customers over the past ten years.

Most customers agree that MoneyMutual operates as it advertises itself. It gives them access to several payday loan companies, thus creating a link between the lending company and the customers.

Most customer reviews indicate that the loan companies on MoneyMutual have a transparent lending system with favorable interest rates. Many users also decided to try MoneyMutual after seeing the advertisements on TV.

Some of the negative MoneyMutual reviews come from customers who did not read the terms and conditions of the lending company before accepting the offer.

What are the requirements for applying for a loan via Money Mutual?

The following conditions must be met before applying for a short term loan through MoneyMutual.

  • Be at least 18 years old
  • Have a verifiable income of $800 per monthwhether it’s a job or other income
  • Have a bank account
  • Different lenders may require additional requirements such as a social security number.

Money Mutual contact details

MoneyMutual is an online company headquartered in Las Vegas, Nevada. The company does not offer loans but provides access to over 90 lending companies. Montel Williams was the longest serving spokesperson representing the company for eight years.

Their website has an excellent section for frequently asked questions and walks you through the process carefully, as well as things to look out for if you choose to use other resources to research a loan. For example, they explain some of the typical “red flags” when dealing with sites that want your personal information. However, if your question is not answered on their website, you can contact them in one of the following ways;

  • Mailing address: MoneyMutual, LLC 2510 E. Sunset Rd. Ste 6, #85 Las Vegas NV, 89120
  • Email: customerservice@moneymutual.com
  • Phone number: 844-276-2063

Final verdict on the MoneyMutual company

A recent study established that 40% of Americans cannot raise $400 in an emergency. MoneyMutual exists to help Americans access money in an emergency. The online company provides you with a list of loan companies in your area.

These companies offer short-term loans ranging from $200 to $5,000. The loan system is fast and it only takes 24 hours for the money to be paid into your bank account. Visit the official site and learn more about MoneyMutual.

RELATED:Best Bad Credit Loans (2022) Top High Risk Personal Loan Companies

Sources

  • https://www.consumerfinance.gov/ask-cfpb/what-is-a-payday-loan-en-1567/
  • https://www.federalreserve.gov/publications/files/2017-report-economic-well-being-us-households-201805.pdf

Affiliate Disclosure:

The links contained in this product review may result in a small commission if you choose to purchase the recommended product at no additional cost to you. This serves to support our research and writing team. Know that we only recommend high quality products.

Warning:

Please understand that any advice or guidance revealed here does not even remotely replace sound medical or financial advice from a licensed healthcare provider or certified financial advisor. Be sure to consult a professional doctor or financial advisor before making any purchasing decisions if you are using any medications or have any concerns from the review details shared above. Individual results may vary as statements regarding these products have not been evaluated by the Food and Drug Administration or Health Canada. The effectiveness of these products has not been confirmed by the FDA or Health Canada approved research. These products are not intended to diagnose, treat, cure, or prevent any disease or to provide any type of enrichment program.

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The interest on my tax debt is accumulating. Should I pay it back with a loan? https://akademija-art.net/the-interest-on-my-tax-debt-is-accumulating-should-i-pay-it-back-with-a-loan/ Tue, 01 Mar 2022 17:19:55 +0000 https://akademija-art.net/the-interest-on-my-tax-debt-is-accumulating-should-i-pay-it-back-with-a-loan/ Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own. The Credible Money Coach offers insight to […]]]>

Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own.

The Credible Money Coach offers insight to help the reader weigh the benefits of a personal loan to pay off tax debt. (Credible)

Dear Credible Money Coach,

I owe the IRS $16,000, interest added daily. Should I take out a loan with interest? — Granny

Hello Mom and thank you for your question. Many Americans feel stressed when tax season approaches. But if you have tax debt, that anxiety can last all year.

Your question highlights the biggest problem with tax debt – interest. When you owe taxes, you may also face penalties, but interest is what keeps your debt growing. And interest will continue to accrue until you repay the debt. Tax debt can be so heavy that the IRS actually recommends that taxpayers either liquidate assets to pay their debt or consider getting a loan, as both options may be cheaper in the long run than paying penalties and interest from the IRS.

Before taking out a personal loan for any reason, it is a good idea to compare the rates of several lenders. Credible, it’s easy to view your prequalified personal loan rates.

How Tax Debt Works

From source deductions to estimated tax payments, the IRS expects you to pay at least 90% of the tax you owe in the months leading up to the filing deadline. and payment of taxes, and any remaining balance before the deadline itself.

If you don’t reach that 90%, you could face an underpayment penalty on top of your remaining balance, although there are some exceptions. And, if you make the mistake of not filing a return on time, in addition to not paying your tax liability in full, you may also face a failure to file penalty.

How tax debt can increase

Any tax balance that you do not pay in full on tax day is subject to 3% interest which, as you noted in your question, is compounded daily. Interest applies to the total outstanding balance, including the amount of tax owing, penalties and unpaid interest.

Although 3% may not seem like much, daily compounding can cause your debt to balloon. For example, a tax bill (capital, penalties and interest) of $5,000 can reach $5,152 at the end of the first 12 months if it is not paid.

Options for Repaying Tax Debt

To repay a tax debt, you have several options:

Cash payment

If you have savings to cover that $16,000 balance and tapping into those funds won’t leave you financially strapped, paying off your balance in full immediately is the way to go. The disadvantage of this option is that you will take a significant part of your savings.

IRS Payment Plan

IRS payment plans are an option if you want to break your tax debt down into manageable payments. The IRS allows taxpayers to make short-term and long-term payment plans, and requesting one is quite easy. You can call 800-829-1040 or request a payment plan online.

But there are downsides to IRS payment plans, including interest and fees for setting up or changing your plan. If you opt for a long-term plan, paying off your debt in full could take a long time and interest will continue to accrue until you pay off your balance.

Credit

While using the credit for pay your tax bill is literally to swap one type of debt for another, in some situations this can make sense.

If you have a credit card with a large available balance, using it to pay your tax bill might be the quickest option. But that’s rarely the best, because credit card interest rates can be high. At the end of 2021, the average rate on credit cards with assessed interest was 17.13%, according to Federal Reserve data.

Depending on your credit score, your rate could be much higher than average. Also, since credit cards are revolving credits, your interest rate and costs may increase while you are pay on debtwith no definite end date in sight.

On the other hand, personal loan interest rates tend to be lower than credit card rates, so if you need to use credit to pay your tax debt, a personal loan may be a cheaper option. At the end of 2021, the average 24-month personal loan rate was 9.39%, according to the Federal Reserve. Since personal loans are installment loans, you will have a specific repayment date and know before you sign on the dotted line exactly how much interest you will pay over the life of the loan.

But personal loans can have drawbacks. Some lenders charge origination or application fees for processing the loan, as well as prepayment penalties if you repay the loan early, so it’s important to fully understand the terms of any loan you’re considering.

Is the personal loan the best option to repay a tax debt?

Grandma, if your credit is good to excellent and you meet the income requirements, you may be eligible for a $16,000 personal loan at a favorable interest rate and terms. A personal loan could allow you to pay off your tax debt and avoid the snowballing interest charges that can come with unpaid tax debt, credit cards, or an IRS installment plan.

Finally, don’t underestimate the mental health benefits you could get from paying off your tax debt. Some forms of debt can be more stressful than others, and tax debt — with its potential to lead to wage garnishment, real estate liens, and seized assets — is definitely a stressful type of debt. You can have peace of mind knowing that you owe a personal lender, rather than Uncle Sam, and that your interest charges won’t keep piling up as you pay off the debt.

You can check your prequalified personal loan rates in minutes, without affecting your credit, when you use Credible.

Ready to know more? Check out these articles…

Need Credible® advice for a money-related question? Email our credible financial coaches at moneyexpert@credible.com. A Money Coach could answer your question in a future column.

This article is intended for general information and entertainment purposes. Use of this site does not create a professional-client relationship. Any information found on or derived from this website should not replace and should not be taken as legal, tax, real estate, financial, risk management or other professional advice. If you require such advice, please consult a licensed or competent professional before taking any action.

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About the Author: Dan Roccato is a clinical professor of finance at the University of San Diego School of Business, personal finance expert Credible Money Coach, published author and entrepreneur. He has held senior positions at Merrill Lynch and Morgan Stanley. He is a recognized expert in personal finance, global securities services and corporate stock options. You can find it on LinkedIn.

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