Cash – See Concept http://see-concept.com/ Sun, 08 May 2022 03:02:21 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://see-concept.com/wp-content/uploads/2021/05/see-concept-icon-150x150.png Cash – See Concept http://see-concept.com/ 32 32 FTSE 100 drops as recession fears hit markets https://see-concept.com/ftse-100-drops-as-recession-fears-hit-markets/ Fri, 06 May 2022 17:04:09 +0000 https://see-concept.com/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 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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Best Loans No Credit Check With Same Day Approval | Best Same Day Loans for May 2022 https://see-concept.com/best-loans-no-credit-check-with-same-day-approval-best-same-day-loans-for-may-2022/ Wed, 04 May 2022 05:30:00 +0000 https://see-concept.com/best-loans-no-credit-check-with-same-day-approval-best-same-day-loans-for-may-2022/

Whenever you need a loan for bad credit , take a look for one that has a low interest rate. Several lenders offer advances to people with bad credit at all times and at various interest rates. Before choosing a bank, it is essential to be as informed as possible. The creditor you select should offer you a low interest rate on an emergency loan.

When a lending institution agrees to give you credit, they usually check your credit history to see if you have a good credit history. Lenders do this to ensure that the person they are lending money to pays back the bad loan.

Since the market has grown accordingly, a variety of online loan companies offer bad credit advances to people with poor credit ratings. You don’t need perfect credit to get an emergency loan these days. If you have bad credit, you can get a bad credit loan.

The above lenders can help you get the funds you need and improve your credit score by making payments on time. It is important to note that these companies are autonomous, which allows them to respond quickly to Credit Master decisions.

We didn’t just go online and choose the most common and alluring credit loans for this blog entry. Accordingly, we have enlisted the help of reliable loan patrons who offer reasonable interest rates on their advances.

This is often the result of these loan specialists’ excessively high interest rates and other costs. Moreover, you can rest assured that these companies are genuine and will not deceive you.

Let’s take a look at loans for bad credit now.

Top online bad credit loans:

Accordingly, we have filtered out the best bad credit loan providers in this article. We will then review the strengths, pros, cons, and active customer engagement of these advanced providers to give you a clear idea of ​​what you can expect from them.

1. MoneyMutual : Personal loans for bad credit

2. BadCreditLoans : Loans without credit check and guaranteed approval

3. CashUSA : Personal loans for bad credit

4. Personal loans : Instant Payday Loans Online

5. FondsJoy : Loans without a credit check

MoneyMutual is indeed one of the finest and most appreciated advanced providers in the country. It’s more common because it doesn’t always do a full background check on borrowers.

The free benefit above connects loan borrowers with bad credit to legitimate banks and distinguishes them when buying advances based on their credit scores.

MoneyMutual is neither a lender nor a borrower; instead, it serves as a platform for these two parties to lend and borrow money. Think of it as an Amazon or an eBay for advances rather than items.

The company has been in business for almost ten years and has helped over two million people in the United States with their financial needs.

Features

The main features of MoneyMutual are:

Advantages

  • Ranks #1 Among Bad Credit Loan Companies

  • It is relatively simple for people with poor credit to obtain loans.

  • Marketing has a lot of notoriety and is part of the experience

  • Filling out the online form takes a lot of time.

  • You will receive the reservations within 24 hours.

The inconvenients

Customer service

Customers agree that the service is simple and contacting banks via the Internet is simple. Customers also find that this service allows them to make payments faster than similar administrations.

MoneyMutual is by far the best online loan provider without credit check with guaranteed approval.

⇒Visit MoneyMutual official website for more information

People who have had credit problems are familiar with bad loans. This free service connects lenders and applicants, allowing them to endorse loans regardless of their credit scores.

We advocate this because borrowers have described receiving shops from lending institutions on this site without having to submit a credit check.

This company has no control over the banks listed on this site. It provides you with all the information you need to determine if a particular lending partner meets your needs.

Features

Here are the essential characteristics of bad loans:

  • A platform that helps connect lenders with lenders and provides enough information about each other to both parties.

  • The site uses advanced encryption technology to protect your information.

  • The use of this service is completely free.

  • Borrowers need only complete an online application for financial institutions to decide whether or not to work with them.

Advantages

  • Borrowers can use it to find lenders quickly and easily.

  • The service is free.

  • Financial institutions on the platform have relatively lenient credit requirements.

  • Loan amounts ranging from $500 to $5,000 are available.

  • Allows you to compare and evaluate borrowing costs offered by different lenders.

The inconvenients

Experience with customers

Customers love how easy it is to get a loan approved on this site, as only a few credit checks are required. Plus, filling out the site form in just a few minutes adds to the ease with which most people find this service.

Some may consider BadCreditLoans the best no credit check loan with an online approval guarantee.

For more information, visit the official bad credit loans website.

CashUSA offers borrowers a variety of financing options to meet their immediate needs. It doesn’t matter if you want to pay off a debt or buy something new. CashUSA is able to adequately meet all requirements.

Additionally, the loans available on this site are regularly double those available on other dodgy loan collateral clearance sites.

You will be able to correlate the offers of the lending establishments to your condition once you have finalized the online form of the site. So don’t worry if you don’t get a lender referral on the site.

As usual, you will be able to rate credit repair, debt reduction and other services. If you receive an offer, the bank will ask you to provide additional information to the lender to determine whether or not they want to extend credit to you.

Features

Here are the main features of CashUSA:

  • He consults an extensive network of lending institutions and partners to determine loan eligibility.

  • Customers must complete a form and provide additional data to receive a refund if required.

  • Your personal information is kept secure.

  • Loans of up to $10,000 are available to clients.

  • After receiving the assurance of approval, the money is instantly transferred to their bank accounts.

Advantages

  • Funds are available in a timely and convenient manner.

  • The amounts of the loans are larger than those granted by similar companies.

  • Customer data is kept secure.

  • There are long and short loans available.

The inconvenients

Experience with customers

Customers appreciate the simplicity of applying for a loan on this site and the speed with which they can receive large sums of money. Customers also appreciate how adjustable interest rates and repayment options are on this website.

CashUSA is undoubtedly one of the best online no credit report loans with guaranteed approval. If you are looking for online loans for bad credit, you have come to the right place!

⇒Visit the official CashUSA website for more information

On the site, you will also find loan rates and other details about offers, which you can use to make a rational decision on which lender to choose. It is one of the most used tools by customers.

⇒Visit Personal Loans official website for more information

Customers appreciate the speed of the loan process. After applying for the loan, you will get your documentation quickly. After signing the electronic signature, the funds could be in your account within 24 hours.

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

Conclusion: Who is the number 1 loan lender for bad credit?

We will now summarize and define which company in America offers the best loan for bad credit.

MoneyMutual is your best option if you are looking for No Credit Loans with Guaranteed Approval.

The loan companies we have discussed in this article are some of the best bad credit lenders in the United States. Our recommendation is to use the services of MoneyMutual due to their excellent customer service. Online lenders also provide access to various other financial institutions, such as credit and debit cards and car loans. These websites help you compare borrowing costs from multiple lenders so you can choose the best option for you.

=> Apply for a payday loan for bad credit now!


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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2022 Sable Secure Card Review https://see-concept.com/2022-sable-secure-card-review/ Tue, 03 May 2022 20:38:32 +0000 https://see-concept.com/2022-sable-secure-card-review/

Select’s editorial team works independently to review financial products and write articles that we think our readers will find useful. We earn commission from affiliate partners on many offers, but not all offers on Select are from affiliate partners.

When you’re new to credit, it can be hard to know where to start. Secured credit cards help you get started by offering the features of traditional credit cards – a credit limit, interest charges and sometimes even rewards – but with the added requirement of making a security deposit at the time of payment. advance.

Those with past credit errors, bad credit, limited/no credit, or who do not have U.S. citizenship should consider, in particular, the Sable Secure Card. Cardholders earn up to 2% cash back, and interested applicants don’t need a US credit history or Social Security number to apply.

There is also no credit check, so applying for the card will not affect your credit score (i.e. no further investigation of your credit report) and approval may be a fairly transparent process.

Credit newbies, take note: Here’s what you can expect with the Sable Secure Card.

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Sable Secure Card Review

Sable Secure Card

  • Awards

    Earn unlimited 2% cash back on purchases made with Amazon, Hulu, Netflix, Spotify, Uber Eats, and Whole Foods, plus 1% everywhere else

  • welcome bonus

    Sable will match any cash back you have earned at the end of your first year

  • Annual subscription

  • Introduction AVR

  • Regular APR

  • Balance Transfer Fee

  • Foreign transaction fees

  • Credit needed

Advantages

  • cash back program
  • Generous welcome bonus
  • No annual fee
  • Switch to a traditional credit card in as little as four months after account opening
  • Benefits such as Cell Phone Protection, Rental Car Insurance, Extended Warranty Coverage, Guaranteed Zero Liability, Satisfaction Guarantee, and Price and Purchase Protection

The inconvenients

  • 2% cash back is limited to purchases made with Amazon, Hulu, Netflix, Spotify, Uber Eats and Whole Foods
  • Low credit line prevents cardholders from charging big ticket items or many expenses

welcome bonus

As a welcome bonus, Sable Secure Card members will receive a dollar-for-dollar rewards match at the end of their first year of card membership, which automatically doubles their cash back earnings. So if you earned $300 in cash back in the first year, Sable will double that amount, leaving you with $600 in cash back.

Awards

Sable Secure Card members earn unlimited 2% cash back on purchases made with Amazon, Hulu, Netflix, Spotify, Uber Eats, and Whole Foods, plus 1% everywhere else.

Advantages

Beyond cash back and the annual game, Sable offers benefits when you use your card that you would traditionally find with an unsecured credit card. These include mobile phone protection in the event of theft or damage (including a cracked screen), rental car insurance, extended warranty coverage on products purchased with the card, zero liability warranty on unauthorized purchases, satisfaction guarantee on most purchases you don’t want within 60 days of purchase, plus price and purchase protection.

According to Sable website, secured cardholders can switch to a traditional credit card 3 times faster than with other secured cards, or in as little as four months after opening their account (although this is not guaranteed) . Upgrading to unsecured credit requires paying your credit card bill on time each month, making more than 15 purchases per month (including at least one over $250), maintaining a credit limit more than $500 for the past four months and receive a minimum of $500 per month via direct deposit into your Sable bank account over the past four months.

Sable reports to the credit bureaus monthly so you can see your credit score increase effectively when you behave responsibly.

Rates and Fees

the Sable Secure Card has no annual fee or late payment penalty. There is a 2% foreign transaction fee on purchases made outside of the United States

As with most secured credit cards, new Sable cardholders will be required to pay a security deposit up front, which becomes their credit limit. For example, paying a $1,000 security deposit would mean your credit limit is $1,000. There is no minimum deposit required and you can deposit up to a maximum of $10,000. These secured funds are returned once you reduce your credit limit (the amount refunded is equal to the amount by which you reduced the credit limit), switch to an unsecured credit card, or close your account with Sable. .

To subscribe to the Sable Secured Card, you must have a Sable bank account to fund the deposit, but the good news is that the Sable debit card offers 1% cash back on the same services as the credit card.

The Sable Secured Card charges a variable APR of 10.49%, which is considerably low compared to other credit cards, although we recommend that you always pay your bill on time and in full to avoid interest and charges. delay. This is even more important with secured credit cards because holding onto a balance eats away at your credit limit or the deposit you originally made. You would essentially be paying interest on a loan you took out to withdraw the card in the first place.

At the end of the line

the Sable Secure Card makes more sense for those who have no credit history or need to rebuild damaged credit. Sable gives cardholders the ability to build credit while earning cash back.

An alternative option would be Discover it® Secure credit card, which has no annual fee and offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1%. Plus, you can automatically earn unlimited 1% cash back on all other purchases.

Discover’s rewards are similar to Sable’s in that new card members in their first year only will have their cash back earnings automatically matched.

Check out Select’s in-depth coverage at personal finance, technology and tools, welfare and more, and follow us on Facebook, instagram and Twitter to stay up to date.

For Discover it® secure credit card rates and fees, click here.

Editorial note: Any opinions, analyses, criticisms or recommendations expressed in this article are those of Select’s editorial staff alone and have not been reviewed, endorsed or otherwise endorsed by any third party.

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5 Popular Fintech App Features Banks Should Add to Mobile Banking https://see-concept.com/5-popular-fintech-app-features-banks-should-add-to-mobile-banking/ Mon, 02 May 2022 04:09:12 +0000 https://see-concept.com/5-popular-fintech-app-features-banks-should-add-to-mobile-banking/



5 Popular Fintech App Features Banks Should Add to Mobile Banking



































]]> How they work, cost, alternatives https://see-concept.com/how-they-work-cost-alternatives/ Fri, 29 Apr 2022 14:41:40 +0000 https://see-concept.com/how-they-work-cost-alternatives/

  • Title loans use your car as collateral, which means the lender can repossess your car if you don’t pay.
  • Title loans often have to be repaid within 15 to 30 days and charge interest rates of around 300%.
  • Alternatives to title loans include credit cards, personal loans, side gigs, and local charities.

A title loan is a short-term, high-interest loan that uses your car title as collateral when you borrow money. This means the lender can repossess your car if you don’t repay your loan on time. Many title lenders don’t consider your credit history at all when making lending decisions.

If you’re in a bind, have poor credit, and need cash fast, a title loan might seem like an attractive option to get your money. But title loans have significant drawbacks. Title loans are risky because they charge high fees and you risk losing your car if you are late paying.

Title lenders typically target borrowers with low credit scores or minimal credit histories who cannot qualify for lower-cost loans elsewhere.

“In an ideal world, no one would take out a title loan,” says Evan Gorenflo, senior financial advisor with the personal finance app Albert. “It’s not something you typically associate with progress or a financial goal. Rather, it’s designed to help you through a desperate time.”

What is the cost of a title loan?

Title loans generally have interest rates equivalent to 200% to 300% APR. A title loan generally has a better interest rate than a payday loan, which can carry an APR of 400% or more. However, its rate is significantly higher than personal loans or credit cards, which typically have maximum APRs around 36%.

“Home loans are tricky because a lot of people rely on their car to make money,” says Gorenflo. “In that situation, you’re giving up your title as collateral. Sometimes you give them a second set of keys to your car, they put the GPS in your car in some cases, so you’re really making it easier for them to confiscate your car if you are unable to repay this amount.”

How much can you borrow with a title loan?

The range you will be able to borrow depends on your personal circumstances, but generally lenders will allow you to borrow between $100 and $10,000. The usual loan term is two weeks to one month, similar to how a payday loan works.

“There’s a limit to how much you can borrow,” says Gorenflo. “If your car is worth $10,000, they won’t let you borrow all that. Sometimes it’s 25% of your capital limit. Some lenders will actually ask you to own your car before giving you a title loan. Each lender will operate a little differently.

Advantages and disadvantages of title loans

What are the alternatives to title loans?

If you need money to pay for expenses such as utility bills, credit card payments, or rent, try contacting your creditors to set up repayment plans that don’t require you to take out a loan. You never know what options might be available to you unless you reach out and ask.

Other alternatives to title lending include asking friends for money, joining side gigs from ridesharing apps, or contacting local charities or religious organizations. If you qualify, you may want to take out a credit card or personal loan with a lower APR than a title loan. You will still borrow money, but it will cost you less in terms of interest.

“If you need money fast, if you need to make $200, you can do it in a weekend with Uber,” says Gorenflo. “Even if it’s a little more wear and tear on your car, if it saves you from taking out a loan at 300% interest, it could definitely be worth it.”

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3 payday loan alternatives you need to know – The Suffolk News-Herald https://see-concept.com/3-payday-loan-alternatives-you-need-to-know-the-suffolk-news-herald/ Thu, 28 Apr 2022 14:41:54 +0000 https://see-concept.com/3-payday-loan-alternatives-you-need-to-know-the-suffolk-news-herald/

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If you are in dire need of money due to an emergency or similar situation, the first thing that probably comes to mind is payday loan. Payday loans, or as some call them, payday advances, are short-term loans that let you borrow against your next paycheck. However, due to the immediate nature of the loan, it usually comes with a high interest rate.

Of course, this interest rate or fee depends on the lender you chose to take the payday loan from and the amount you borrowed. Also, one of the best features of payday loans is that they usually don’t have strict credit check requirements. Some lenders don’t even require them and instead look at the person’s ability to repay.

Although payday loans are quick, easy and convenient, they may not be the best option for you. In fact, some people don’t prefer payday loans unless they have no choice. If you’re looking for alternatives, here are a few that might interest you.

Loans to credit unions

credit unions work similarly to banks as they offer the same products and services like personal loans, credit cards, direct deposit, mobile banking, etc. Their main difference from traditional banks and lenders is that they are non-profit organizations. This means they usually have a lower interest rate on the loan and pass the savings on to their members.

Credit unions are member-owned organizations that operate to help their members financially. While lower interest rates on their loans, high interest rates on their savings accounts, loan discounts, and better repayment terms all sound good, there’s a catch.

First, you must be part of a credit union. Credit unions are usually found among homeowners associations, PTA members, congregants, etc. Moreover, it is not enough to be a member. Sometimes a member must be in good standing with the organization or make significant contributions to it.

Loans for bad credit

One of the most common reasons people opt for payday loans is that they have little or no credit check when they apply. It’s probably because they have a bad credit rating overall. If you’re one of those people, you’re probably considering a payday. online loan. However, there is one type of personal loan you can get if you have bad credit, and that is bad credit loans.

As the name suggests, bad credit loans are a category of personal loans designed for people who have low credit scores or are just starting their credit. Bad credit loans are usually the type of loan to borrow when someone does not qualify for a traditional personal loan. However, they work the same way as personal loans. The lender will give you the money in one installment and you will have to repay it in monthly installments.

They are usually founded in traditional banks and lenders. As we all know, banks and traditional lenders usually have strict lending requirements. They will review your creditworthiness and determine if you qualify for a regular personal loan. However, when you are not, they have the option of offering you a bad credit loan.

As mentioned earlier, bad credit loans work the same way as regular personal loans, but with a catch; they tend to have higher interests. Also, they have a strict repayment schedule and usually charge a fee when you miss a single payment.

Pawnbrokers

To get a pawn loan, you need to own something of value. Popular items that will earn you money are jewelry, paintings, gadgets, vehicles, etc. You can even pawn particular items that might pique the interests of the pawnshop owner.

Of course, you should also be prepared to make this item your collateral. Staff would then be evaluated. Item appraisals will assess the item’s current market value, resale potential and condition. After that, they will then decide whether they want to offer you a loan or not based on the assessment. If the item passes the appraisal stage, you will go home with the money and the pledge note if you accept the loan.

This pledge ticket is important because it allows you to take back the pledged object. You return at the agreed time, usually a few weeks or a month at the most, to repay the loan and collect the item you have pledged.

Last words

Although payday loans are quick and convenient, they are not necessarily the cheapest option. They have a mixed reputation, so might as well opt for alternative options.

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Green Credit Cards— Forbes Advisor – Forbes Advisor https://see-concept.com/green-credit-cards-forbes-advisor-forbes-advisor/ Fri, 22 Apr 2022 13:00:58 +0000 https://see-concept.com/green-credit-cards-forbes-advisor-forbes-advisor/

Choosing a credit card first involves understanding why you need a credit card and what you plan to use it for. If you want to earn rewards, you may need to analyze your spending habits and budgets to determine which bonus categories you spend the most in and find a card that fits those habits.

For those who need low introductory APR periods and balance transfers, you will need to calculate the total amount you need to repay and how long it will take – it is strongly advised against holding a balance beyond a period Introductory APR due to the possibility of retroactive interest.

Applicants with poor or no credit may be interested in secure cards, student cards, or other cards designed for those who build credit and need to understand the ins and outs of using credit cards to establish, build or repair credit.

Benefits are also important: what insurance or coverage might you be interested in receiving as an added benefit with your card? Do you want online banking or the ability to use automatic payment? Convenience benefits can make your life easy or miserable when it comes to remembering to pay on time every time, something everyone should always strive to do, if possible. If you occasionally need to carry over a balance, looking for cards with the lowest possible APR is a better money move than focusing on rewards, perks, or welcome bonuses.

After determining what types of cards you might want or need and what your personal financial priorities are, you can focus on finding the perfect card for you from an issuer whose investment and cases correspond to your personal preferences.

Choose an environmentally friendly transmitter

The private banking sector can fund many sustainable or renewable energy projects, but let’s not forget that many institutions also make money on credit card transactions and other financial products while simultaneously funding industries and businesses that have a serious impact on the environment.

Some of the banks we write about here at Forbes Advisor most often for particularly attractive credit card deals have the biggest investment in fossil fuel industries: JP Morgan Chase, Citibank, Bank of America and Wells Fargo are believed to be leading the way. of global banks in investment in the oil and gas industries. (Unfortunately for those looking for eco-friendly cards, these institutions also offer many of the best credit cards on the market).

You can limit the risk that profits made on your transactions could fund or support investment portfolios that include fossil fuels by using a credit card from a more environmentally friendly issuer. Local banking with smaller banks and credit unions is one solution. Check out our lists of the best credit unions and find each institution closest to you for commitments to fossil-free investing and certifications or memberships of or with programs like B Lab’s B Corporation status, membership to the Global Alliance for Securities Banking (GABV) and more. .

B-Corp status, GABV membership, 1% for the planet and fossil-free programs

Many companies try to prove their sustainability efforts to their customers, but consumers don’t always know who or what to trust. Some banking institutions’ attempts at transparency lead them to partner with or hire the services of third-party organizations designed to provide accountability in the form of private certification.

B corporations

Among these is B Labs, a non-profit organization that promotes the idea business can be “a force for good” with its help helping businesses “achieve high standards of social performance and environment, responsibility and transparency”.

Global Alliance for Banking on Values

Several small banks and credit unions across North America have joined the Global Alliance for Banking on Values (GABV), which is supposed to bind its members to a number of socially responsible environmental and transparency standards.

1% For the Planet

the 1% For the Planet organization is a non-profit organization that monitors and certifies companies dedicated to contributing at least 1% of profits to organizations or activities that benefit the planet. Some banks, including at least one on our list above, participate.

Bank.Green Fossil-Free Banking Alliance

Several institutions, including Beneficial State Bank, Atmos and Amalgamated Bank, have pledged not to invest in fossil fuels at all through the Fossil-Free Banking Alliance. These banks receive certification by self-declaration via Bank.Green.

Beware of bank greenwashing

There is a long history of companies telling individuals to fix climate change with individual choices; that the consequences of environmental benefit must be borne by each of us individually, whether each of us has gained directly financially or not. Much of the marketing around financial products may reflect “greenwashing” or token gestures favorable to public relations towards the environment.

When it comes to which banks finance fossil fuels and which don’t, consumers can struggle to find out the truth. For example, BNP Paribas (which owns Bank of The West in the United States) has pledged to exit coal, announced the exclusion of investments in specific oil and gas drilling in the Arctic and the Amazon and s is committed to net zero initiatives, but has since reportedly increased its investment in fossil fuel development. Bank of the West, meanwhile, has released what appears to be a public relations campaign to promote it and its parent company’s progress with statements such as: “Our low-carbon future depends in part on the fact that banks are not making the climate crisis worse by underwriting carbon-intensive industries. and announces a 1% debit card for the planet Mastercard with carefully worded promises about the specific types of fossil fuel investments that cardholder deposits will not be used to fund. Which story should you believe?

Temper your expectations

To be clear: no map we mention or include here is problem-free, so follow our advice with a grain of responsibly sourced sea salt: our suggestions may encourage better and greener options than most of what’s out there. exist on the market today, but because all of these cards function as products of an economic system intrinsically and historically linked to climate damage, none are perfectly “green”.

That said, forgoing personal finance products and immediately switching to bartering with neighbors for everything we need probably doesn’t seem quite feasible for most of us. Choosing a card from a greener institution represents a step that many of us can take in the near future, at least until other blockchain-based solutions or real-time payment systems find a way. more energy-efficient way to provide faster secure payments.

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Vodafone offers more Voxi customers a discount on the bill with a social rate https://see-concept.com/vodafone-offers-more-voxi-customers-a-discount-on-the-bill-with-a-social-rate/ Tue, 12 Apr 2022 23:01:00 +0000 https://see-concept.com/vodafone-offers-more-voxi-customers-a-discount-on-the-bill-with-a-social-rate/

VODAFONE is offering a discount on the bill to customers in difficulty on its Voxi network.

The mobile phone company is expanding eligibility for its social tariff amid the cost of living crisis.

1

Vodafone’s Voxi network offers cheaper deals to households on benefitsCredit: Getty – Contributor

Voxi customers will be able to get unlimited 5G data, calls and texts for £10 a month for up to six months if they qualify for certain benefits.

You typically pay £35 for these sim-only services at full price, meaning you could save £25 a month – or £150 over the full six months.

Voxi, which has around half a million customers and is part of Vodafone, first offered the tariff in 2020 to help those who lost their jobs during the pandemic.

People on Universal Credit, Jobseeker’s Allowance, Employment and Support Allowance have already been able to take advantage of the tariff in the past.

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It is again accessible to them, as well as to people receiving disability allowance and independent personal payment.

Anyone on the Voxi for Now pricing will not need to sign up for a contract, and they can suspend or cancel the plan at any time.

There’s also no credit check and you’ll need to prove you have benefits when you sign up.

Social tariffs are offered by several broadband providers and are designed to help struggling low-income households stay connected.

Sky yesterday became the latest provider to offer special offers and comes as bills rise for millions of people.

The new £20 a month offer is called Sky Broadband Basics and will be for existing Sky customers who have Universal Credit or Pension Credit.

TalkTalk, BT, Virgin Media and Hyperoptic are among the companies already offering them.

An estimated 4 million households are deprived of cheaper bills and savings of an average of £144 a year through social tariffs for broadband.

It is up to each broadband or mobile phone operator whether or not to offer a social tariff.

And every offer is different, so it always pays to shop around to make sure you get the cheapest one.

For example, TalkTalk offers jobseekers free broadband for six months, and social packages from BT and Virgin are £15 a month, although speeds and eligibility may vary.

Ofcom maintains a handy list of social broadband tariffs offered on its website.

We also asked if the same is true for mobile social rates and will update it when we get back to you.

Catherine Hiley, telecommunications expert at Uswitch.com, said: “The cost of living crisis has made it harder than ever for those who are financially challenged to stay connected to their mobile service.

“Hopefully today’s announcement by Vodafone, for an unlimited SIM-only data deal on its Voxi network, will help get the message across and also encourage more providers to follow suit by offering these rates.

“Remember that if you’re currently out of contract with a monthly mobile plan, switching to a SIM-only deal is likely to save you a lot of money, with some deals available from just £3.95 per month.”

Martin Lewis has urged everyone to check broadband and mobile bills – and you could save £200 a year.

How to save on your mobile broadband bill

Martin Lewis has urged everyone to check broadband and mobile bills – and you could save £200 a year.

Using a comparison site helps you check all available offers in one place.

MSE has a broadband comparison tool and there are also sites like Switch, Broadband choice and Compare the Market.

When comparing what’s on offer, check that it’s the right speeds and data for your needs.

You don’t want to end up overshooting data allowances and paying more than expected, for example, but you also don’t want to spend money on data you don’t use.

You can also verify that you are getting a signal where you are and you can do this by using Ofcom Coverage Checker.

Companies also often offer introductory offers to new customers, which could bring the price down even further.

You can also try haggling with your current provider to get the cheapest deal you’ve found elsewhere.

Martin Lewis once advised those who haggle to be polite and charming to increase your chances of lowering your bills.

A Virgin Media customer recently got £264 a year off his bill just for asking for a discount.

They don’t have to match it, but it’s worth a try, and if they don’t, you can always move on to the better deal.

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But note that moving while you’re still under contract can cost you money in exit fees, so check first.

Of course, the exact amount you can save depends on how much you pay now and what new deal you get – but you won’t know until you check.

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LIC Resident Wins Squarespace Scholarship | East and Southeast Queens News https://see-concept.com/lic-resident-wins-squarespace-scholarship-east-and-southeast-queens-news/ Thu, 07 Apr 2022 14:00:00 +0000 https://see-concept.com/lic-resident-wins-squarespace-scholarship-east-and-southeast-queens-news/

Kobina Ansah of Long Island City is one of four winners of the fifth annual “Make It Awards,” a grant that provides four entrepreneurs and creators with funds from the tri-state area and exposure to elevate their businesses.

Ansah received $30,000 in funds, a one-year subscription to Squarespace – one of the grant sponsors – use of the website and e-commerce platform marketing inventory, a subscription annual Unfold Pro and a feature segment on MSG Networks for its Coverr business.

The other grant sponsor is the New York Knicks.

“We are a personalized online financial services provider for gig economy workers like Uber drivers or DoorDash delivery staff, with the goal of helping them reach their highest earning potential,” said said Ansah. “The first product is a business advance, which provides capital or funds to site workers so that they can take care of short-term emergencies such as a tire blowout, trip cancellation Uber or volatility mitigation. of their daily income.

Despite a successful career with financial institutions such as Wells Fargo and Ernst & Young, Ansah noticed that he was not helping a diverse population in his work, where he would underwrite more than $1 billion in transactions.

“Often, I found that I was failing to serve a diverse population that represented individuals who looked like me,” Ansah said. “I went to pursue my MBA and I went to find out how to serve underserved customers.”

Through some research, Ansah found that Uber drivers spend between $100 and $300 a week to rent their car, and within a year they still couldn’t own a vehicle.

“They could pay market price and still have nothing to their name,” Ansah said. “Initially I thought I should auto-fund this group, but very quickly I realized that people couldn’t even handle the $500 deposit for this service.”

The real problem was cash management, according to Coverr’s founder.

“We tested that with a few drivers and started to grow the business from there,” Ansah said. “I started getting inquiries from other independent contractors who make up the more than 50 million participants currently operating in the US economy.”

Alberto, an Elmhurst resident who did not want to share his last name, is one of the people using Coverr.

He has been a Lyft driver for nearly five years and also works for international luxury chauffeur company Blacklane.

“I use it for emergencies when I’m low on cash,” Alberto told the Queens Chronicle. “The program is very simple. In 24 hours you get an advance.

Coverr has no papers and there is no credit check, the Lyft driver said.

“Sometimes your car breaks down for no reason or you have an extra expense like you have to go to the dentist or there’s something you have to pay out of pocket,” Alberto said. “Cover balances your week. Drivers in general always need cash for gas, tolls, and E-ZPass, which requires you to keep a certain amount of cash in your account. It’s emergency cash… With Coverr, you just need your bank statement to prove you’re working, that’s all. It is convenient; because it’s fast… I don’t even go to a typical bank anymore. With this, you will have to wait 72 hours.

Ansah hopes to automate more of its business, expand its bulletin board so more people can use the service, develop customer acquisition strategies, and better identify companies that pay employees well together for its customers. with the funds it receives from the grant.

“We’re directing clients there,” Ansah said of finding high-paying gig companies. “Coverr’s true vision is to provide a full range of personalized services for this rapidly growing segment of the workforce.”

The gig economy is one of the fastest growing industries in the country, but it’s also one of the newest and therefore one of the underserved, according to Ansah.

“Going forward, I want Coverr to be this central point where people can get financial support, business and tax services, and revenue optimization services,” Ansah said. “That’s really the goal.”

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How to Get FREE Netflix Account 2022 Tip https://see-concept.com/how-to-get-free-netflix-account-2022-tip/ Mon, 28 Mar 2022 15:32:53 +0000 https://see-concept.com/how-to-get-free-netflix-account-2022-tip/

This tutorial is about how to get a FREE Netflix account. We will do our best for you to understand this guide. I hope you will like this blog How to Get a FREE Netflix Account. If your answer is yes, please share after reading this.

Check How to Get a FREE Netflix Account

Hey guys, are you looking for free Netflix accounts? If your answer is yes, then I’m here for you. It wouldn’t be wrong to say that Netflix is ​​one of the best platforms to watch entertainment content. The app is very popular and provides you with top notch content. That’s why more and more people want to enjoy Netflix. But as you already know, Netflix is ​​a premium service. Therefore, there is no way to get Netflix for free. If you want to get Netflix, you need to upgrade to a Netflix plan. Or you can try our free Netflix accounts.

Streaming services also offer a huge selection of TV shows to watch. And to take advantage of this variety, we have collected free Netflix accounts for you. Netflix is ​​the best streaming service in the world because it is easy to use and offers great quality movies that can be watched on TV, PlayStation, Xbox, iPad, PC and more. So here we learn more about Netflix and Netflix Premium.

How to Get a FREE Netflix Account

How to Get a Free Netflix Account with T-Mobile

T-Mobile managed to strike a deal with the streaming giant, and the company is now offering Netflix for free to select customers. I said selected because the offer is not accessible to everyone. If you opt for a plan that does not require a credit check or a prepaid plan, you can say goodbye to Netflix’s free offer. Follow the steps below to get Netflix from T-Mobile for free.

  • Subscribe to a T-Mobile One plan.
  • Do not opt ​​for a prepaid plan or without a credit check.
  • Be sure to add at least one additional line to your plan. The free Netflix offer is only available if you have a minimum of two lines.
  • Subscribe to the Netflix add-on on us.
  • Wait for confirmation from T-Mobile and follow their instructions.

Final Words: How to Get a FREE Netflix Account

Hope you understand this article How to Get a FREE Netflix Account, if your answer is no, you can ask anything via the contact forum section linked to this article. And if your answer is yes, share this article with your family and friends.

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