software company packages – Sentry Parental Controls http://sentryparentalcontrols.com/ Tue, 14 Sep 2021 20:53:59 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://sentryparentalcontrols.com/wp-content/uploads/2021/06/favicon-9-150x150.png software company packages – Sentry Parental Controls http://sentryparentalcontrols.com/ 32 32 Hampton Roads Aquifer Recharge Project Secures $ 477 Million EPA Loan https://sentryparentalcontrols.com/hampton-roads-aquifer-recharge-project-secures-477-million-epa-loan/ https://sentryparentalcontrols.com/hampton-roads-aquifer-recharge-project-secures-477-million-epa-loan/#respond Tue, 14 Sep 2021 20:53:59 +0000 https://sentryparentalcontrols.com/hampton-roads-aquifer-recharge-project-secures-477-million-epa-loan/ A Hampton Roads-wide project to recharge the Potomac Aquifer that supplies drinking water to much of Virginia’s population east of Interstate 95 last week received a $ 477 million loan. Environmental Protection Agency dollars. Ted Henifin, general manager of the Hampton Roads health district, said in a press release that the loan will be used […]]]>

A Hampton Roads-wide project to recharge the Potomac Aquifer that supplies drinking water to much of Virginia’s population east of Interstate 95 last week received a $ 477 million loan. Environmental Protection Agency dollars.

Ted Henifin, general manager of the Hampton Roads health district, said in a press release that the loan will be used to close and replace the nearly 80-year-old man Boat Harbor Processing Plant with a pumping station as part of the Sustainable Water Infrastructure for Tomorrow program, or SWIFT.

In combination with other federally subsidized loans, the EPA price will reduce the district’s financing costs by nearly half a billion dollars over the next 30 years, Henifin said.

EPA has pledged to issue $ 1 billion in low-interest loans to SWIFT over a decade, funding nearly half of the project’s costs through the federal Water Infrastructure Finance and Innovation Act. The Hampton Roads Health District received its first loan of nearly $ 226 million in September 2020.

Erin Girardi, head of the sanitation district investment program, said in an email that the third and final phase of the loan funds “is expected to close by the end of 2024 at the earliest.”

Under the terms of the loan, the project must be substantially completed within seven years of the loan closing. Girardi said the repayment terms “are very flexible.”

SWIFT has made national headlines since its inception. Encompassing more than 20 projects around Hampton Roads, the initiative treats wastewater to potable water standards, then injects it deep underground to recharge the Potomac aquifer.

Virginie was worry for decades about the aquifer supply, which was exposed by local governments and industries, especially the massive International Paper and WestRock mills in Franklin and West Point. Besides depleting water supplies, overexploitation has also contributed to land subsidence in the lowland region of Tidewater. This subsidence combined with rising waters due to climate change has led Hampton Roads to experience the fastest rate of sea level rise on the east coast, with tide data from Sewells Point in Norfolk showing a rise of over by 18 inches over the last century. .

In response to concerns, the Department of Environmental Quality has launched a campaign to reduce the amount of water that the 14 largest users of the Potomac Aquifer have been allowed to withdraw.

At the same time, SWIFT sought to tackle the aquifer problem by increasing supply. When fully constructed, the initiative should be able to inject 100 million gallons of water back into the aquifer each day. In addition to replenishment, the project aims to improve water quality in the Chesapeake Bay watershed by reducing wastewater discharges from the Hampton Roads Sewerage District by 90 percent.


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Review of Salt & Lime Debt Consolidation Loans Compare features https://sentryparentalcontrols.com/review-of-salt-lime-debt-consolidation-loans-compare-features/ https://sentryparentalcontrols.com/review-of-salt-lime-debt-consolidation-loans-compare-features/#respond Mon, 13 Sep 2021 08:03:54 +0000 https://sentryparentalcontrols.com/review-of-salt-lime-debt-consolidation-loans-compare-features/ Key Points to Consider With a Salt and Lime Debt Consolidation Loan A Salt and Lime debt consolidation loan is free of charge and has a personalized interest rate, based on your financial situation and income information. Interest rates vary 17% pa To 35% pa There are two types of debt consolidation loan that you […]]]>

Key Points to Consider With a Salt and Lime Debt Consolidation Loan

A Salt and Lime debt consolidation loan is free of charge and has a personalized interest rate, based on your financial situation and income information. Interest rates vary 17% pa To 35% pa There are two types of debt consolidation loan that you can apply for with Salt and Lime. These include:

  • Spicy ready. This loan is available from $ 4000 to $ 5,000 and may or may not be guaranteed.
  • Spicy ready. This loan is available from $ 5,000 to $ 20,000 and are secure.

These loans are available only for debt consolidation. This means that you can only use these loans to pay off your existing debts and consolidate them into one convenient monthly repayment. Salt and Lime also offers the option of taking this refund directly from your employer each month, so you don’t even have to worry about making the refunds yourself.

A unique feature of Salt and Lime loans is the ability to repay them faster and save on interest repayments by completing financial education modules as you progress through your repayments. Salt and Lime will send you up to 8 sets of mods to complete and answer correctly. These modules aim to improve the way you manage your income and expenses and your knowledge of financial products, among other topics. If you successfully complete these modules, you can receive 0.25% off your interest rate, which equates to up to 2% off your loan.

Features of a Salt and Lime Debt Consolidation Loan

The following features apply to Salt and Lime loans:

  • Amount of the loan. Loans are available from $ 4000 To $ 20,000.
  • Term of the loan. The durations vary from 1 to 5 years.
  • Same day financing. If your request is successful, you will usually receive your funds the same business day.
  • Secure or not secure. You can access an unsecured debt consolidation loan of up to $ 5,000. Loans or more than $ 5,000 must be secured by a qualifying asset.
  • Employer reimbursements. Once the loan is approved, Salt and Lime will give you a deduction form that you can send to your employer. Reimbursements will then be made directly by your employer each pay cycle.
  • Interest rate. Prices vary from 17% pa To 35% pa
  • Apply online. The Salt and Lime application process is 100% online.
  • Quick application. The apps only take a few minutes to complete.
  • Record as you learn. Save up to 2% on your entire loan while learning how to better manage your finances.

Fees and charges

This loan has an interest rate only, there are no fees attached.

  • Interest rate. Prices are based on your personal situation and range from 17% pa To 35% pa
  • No administration fees. You are not required to pay an application or set-up fee for this loan.
  • No early termination fees. There is no penalty for early repayment of your loan.
  • No monthly fees. Never pay a monthly fee.

Eligibility for the Salt and Lime loan

In order to be eligible for a loan through Salt and Lime, applicants must be:

  • 18 years or older
  • An Australian citizen or permanent resident
  • Receive regular income and can provide at least 3 months of pay slips
  • Have set up online banking services

How to register

To apply for a loan with Salt and Lime, simply click “Go to Site” to directly visit the lender’s website, where you can submit an application. You will need:

  • Identification, such as a driver’s license or Australian passport
  • Online banking details to view 90 days of banking transactions
  • 3 months of payslips

Please note that same day funding can only take place if all requested documents are submitted and received on the same business day as requested.

Salt and Lime debt consolidation loans are a competitive loan option. That being said, be sure to compare other debt consolidation loan options before submitting an application.


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What you need to know about same day loans https://sentryparentalcontrols.com/what-you-need-to-know-about-same-day-loans/ https://sentryparentalcontrols.com/what-you-need-to-know-about-same-day-loans/#respond Fri, 10 Sep 2021 09:47:15 +0000 https://sentryparentalcontrols.com/what-you-need-to-know-about-same-day-loans/ To share Tweeter To share To share E-mail In today’s world with rapidly changing demographics, the needs of the people have increased a lot. We don’t want to be left behind in the eyes of society and want to have everything that the people who live around us, our friends, our relatives, our colleagues, have. […]]]>

In today’s world with rapidly changing demographics, the needs of the people have increased a lot. We don’t want to be left behind in the eyes of society and want to have everything that the people who live around us, our friends, our relatives, our colleagues, have. We even want to be one step ahead of them.

But unfortunately, sometimes we don’t have enough monetary resources to meet our needs and wants. Life has a lot of ups and downs, these things can happen, but luckily nowadays there are a lot of banks, credit agencies etc. that provide us with money when we are broke in the form of a loan with a small amount of interest.

Selecting a good credit agency is a bit tricky, so we need to be careful when making this important decision. Payday loan requirements You should carefully read the terms and conditions of the organization and even chat with some experts if possible to avoid further problems.

Many formalities are necessary to apply for a loan. It takes a few days and a lot of documentation and guarantees. But the most important thing that you need to know is that now there are credit agencies that are offering you day loans.

Know the loans the same day

Yes, you read that right, that’s what I said. These are the organizations that care about you and are your go-to when needed. Life is full of unfortunate events and these things are a part of our life and when they unfortunately happen these same day loan organizations provide you with quick cash.

Honestly, the social system of the world in the majority favors the rich. Middle class people are stuck in a spider web where their income is as much as their expenses. So he never lets them go after their dreams. They cannot take a large amount of money from their monthly income to buy something expensive like a house, car, etc. These loans therefore allow them to pursue their ambitions. They can buy a house, car, etc., and continue to pay small installments for a fixed loan repayment period.

Some problems arise in our lives like one day suddenly out of nowhere you had a heart attack and now you need surgery immediately and you cannot claim your insurance at that time and you don’t also do not have enough savings. This is the time when you need a same day loan.

There are many credit organizations like Gday loans which offer you same day loans with easy online application process and approval with minimum requirements. You can apply online from any location from your mobile phone or PC within minutes.

Exclusive features of same day loans:

A simple online application process

No paperwork

Instant money

99.99% chance of loan approval

Instant online support

Receive money directly into your account the same day

Easy and flexible repayment

Low interest rate

There was a time when people shied away from trying to get loans due to excessive documentation, paperwork, and slow approval process. But now, in today’s world, same day lending agencies have turned the tide and more and more people are getting these loans and the number of people applying for them is increasing over time. time.

There are many people who prefer short term same day loans over long term loans. What are you waiting for if you need same day loan don’t waste your time just follow the link above and get same day loan within next 24 hours.








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Massachusetts enacts and implements new student loan servicing law – Finance and Banking https://sentryparentalcontrols.com/massachusetts-enacts-and-implements-new-student-loan-servicing-law-finance-and-banking/ https://sentryparentalcontrols.com/massachusetts-enacts-and-implements-new-student-loan-servicing-law-finance-and-banking/#respond Thu, 02 Sep 2021 09:53:12 +0000 https://sentryparentalcontrols.com/massachusetts-enacts-and-implements-new-student-loan-servicing-law-finance-and-banking/ To print this article, simply register or connect to Mondaq.com. In short The situation: Massachusetts recently enacted a “Student Loan Borrowers Bill of Rights” (“SL Bill of Rights”) that came into effect on July 1, 2021, and the Massachusetts Division of Banking (“DOB”) also issued implementing regulations for Bill SL. Rights. The result: The SL […]]]>

To print this article, simply register or connect to Mondaq.com.

In short

The situation: Massachusetts recently enacted a “Student Loan Borrowers Bill of Rights” (“SL Bill of Rights”) that came into effect on July 1, 2021, and the Massachusetts Division of Banking (“DOB”) also issued implementing regulations for Bill SL. Rights.

The result: The SL Bill of Rights introduces a new regulatory landscape for service providers in Massachusetts. Any service agent who administers a student loan from a Massachusetts borrower must adhere to the service standards set forth therein and associated regulations. In addition, non-bank service providers should be aware that they are now generally required to apply for a maintenance license.

Looking forward: Service agents should take appropriate steps to ensure compliance with Bill Rights’ SL and its associated regulations. Service agents should also be aware that there may be future legal challenges to existing law and regulations and should monitor related developments.

The Massachusetts Student Loan Borrowers Bill of Rights

The SL Bill of Rights entered into force on July 1, 2021 and the DOB published its regulations the same day. Build on and codify proposed legislation previously discussed at a Jones Day 2019 Remark, the SL Bill of Rights establishes a framework for the licensing and regulation of entities administering student loans for which the borrower or co-signer is a resident of Massachusetts.

Under the licensing component of the law, banks, credit unions and wholly owned subsidiaries are exempt from licensing, as are higher education institutions. However, all other repairers are required to apply for a repairer’s license from the DOB, and there are currently two types of licenses: (i) an “automatic federal student loan officer license”; and (ii) a “student loan manager license”. The automatic federal license is irrevocable and automatically granted to all applicants who only manage federal loans. The Standard Service Agent License is for applicants who only manage private student loans or federal and private student loans.

With respect to regulated conduct, the SL Bill of Rights prohibits all service providers from engaging in unfair or illegal practices. The implementing regulations contain a general prohibition of “unfair, deceptive or unreasonable” practices and an exhaustive list of specific conduct that violates the standards set out in the regulations. Abusive conduct includes: awarding partial payments so as to maximize late fees; distort the availability of repayment options to a borrower; forbear borrowers without disclosing all other available repayment options; not providing information to borrowers to notify or confirm changes in account status; and by knowingly or willfully failing to respond to borrower complaints in a timely manner.

A violation of the SL Bill of Rights is considered a violation of Massachusetts statutory consumer protection laws, and the Massachusetts Attorney General may bring separate actions against service providers for violation of those laws. The DOB, meanwhile, is responsible for the administrative enforcement of the SL Bill of Rights and may conduct investigations and reviews of all agents who handle loans in Massachusetts, including those who are exempt from the DOB. license requirement. Violation of maintenance standards in the SL Bill of Rights can result in fines of up to $ 50,000 per violation and revocation of a maintenance license for authorized repairers (other than those with a federal license). Automatique). The DOB can also report potential violations to the Massachusetts attorney general’s office.

The SL Bill of Rights also creates a “student loan mediatorin the Massachusetts Attorney General’s Office. The Ombudsman assists in resolving borrower complaints about service providers, provides educational and informational material to borrowers, monitors student loan service providers, and publishes annual reports on management issues.

The impact on repairers

Massachusetts repairers should coordinate with their compliance advisors and confirm that they have taken all necessary steps to meet the requirements of the SL Bill of Rights and related regulations. More importantly, non-exempt repairers should immediately apply for a maintenance license, if they have not already done so. For more information on licensing issues, repairers can refer to a Faq issued by Massachusetts.

Service agents should also be aware that the SL Bill of Rights may be subject to legal challenges. More than a dozen states have passed similar laws on servicing student loans, and several are or have been the subject of challenges. Indeed, as of the date of this commentary, parts of at least two of these laws have been partially struck down on federal preemptive grounds, with additional litigation likely at the trial and appeal levels. Similar issues can arise with regards to the SL Bill of Rights, and duty officers should watch for any legal challenges that may develop over the months and years to come.

Three key points to remember

  1. The SL Bill of Rights and associated implementing regulations came into effect on July 1, 2021. The law and regulations reshape the regulatory framework for service providers in Massachusetts.
  2. Service providers subject to the SL Bill of Rights should apply for a maintenance license from the DOB, if necessary, and take immediate action to ensure compliance with the law and applicable regulations.
  3. Duty officers should monitor future developments regarding the SL Bill of Rights, including any potential legal challenges that could impact law enforcement.

The content of this article is intended to provide a general guide on the subject. Specialist advice should be sought regarding your particular situation.

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Fact Check: Does the Federal Government Take Interest on Student Loans? https://sentryparentalcontrols.com/fact-check-does-the-federal-government-take-interest-on-student-loans/ https://sentryparentalcontrols.com/fact-check-does-the-federal-government-take-interest-on-student-loans/#respond Wed, 01 Sep 2021 15:11:58 +0000 https://sentryparentalcontrols.com/fact-check-does-the-federal-government-take-interest-on-student-loans/ Does the Federal Government Profit from Interest on Federal Student Loans? New Democratic Party Leader Jagmeet Singh says so. During a campaign stop in Sudbury, Ont. On Aug. 28, Singh proposed a number of measures he said will make post-secondary education more affordable, including eliminating interest payments on all loans. federal students. Have an election […]]]>

Does the Federal Government Profit from Interest on Federal Student Loans?

New Democratic Party Leader Jagmeet Singh says so. During a campaign stop in Sudbury, Ont. On Aug. 28, Singh proposed a number of measures he said will make post-secondary education more affordable, including eliminating interest payments on all loans. federal students.

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In a tweet posted later today, Singh hinted that the federal government made money from such interest.

“Since coming to power, Trudeau has taken advantage of student debt, to the tune of nearly $ 4 billion in interest payments,” the tweet read, referring to Liberal Leader Justin Trudeau. “I would immediately waive the interest on federal student loans.”

Neither Employment and Social Development Canada nor the National Student Loans Service Center (NSLSC) responded to a request for comment in time for the post.

According to the NSLSC website, a federal student loan can have a fixed or variable interest rate. In the case of a variable interest rate, accounts receivable will be billed at the prime rate, which is currently 2.45 percent. In the case of a fixed rate, the interest is the prime rate plus two percent.

The federal government has suspended the accumulation of interest on Canada student loans until March 31, 2023.

But is Singh’s claim true, false, or somewhere in between? CBC News has asked an expert to verify the facts.

Income different from profit

Christine Neill, associate professor of economics at Wilfrid Laurier University in Waterloo, Ont., Says that claim is false – although student loan financing, a topic she has researched extensively, can get quite complicated. .

“No, I think that’s not really correct as worded,” she said of Singh’s tweet.

The government obviously generates income from interest on student loans, she says, but income is not the same as profits.

“Profit tends to imply that the income you generate is greater than the cost,” she said.

The problem with Singh’s claim is that Ottawa is actually losing money on federal loans and scholarships, even though the interest on the loans does generate income, Neill said.

The government has generated billions of dollars in federal student loan interest revenue since 2015, says Neill, but Singh may be slightly overestimating the amount – it’s probably around $ 3.7 billion.

While that might sound like a big number, the federal government is still not making any “profit”. Why? Because the student loan program also comes at a cost to the government.

Break down costs

First, federal student loans don’t earn interest while a student is in school and for the first six months after graduation. The result is that the government is actually subsidizing student education during this time – and certainly not making any money.

“So the government borrows the money and actually has to pay interest on it, and the students will never have to pay that part back. So it’s a grant for the students there,” Neill said.

Christine Neill, associate professor of economics at Wilfrid Laurier University in Waterloo, Ont., Says Singh’s claim is false – although student loan financing, a topic she has researched extensively, may become quite complicated. (Adamski Tomasz Photography)

There are also student reimbursement programs that help students struggling with low incomes after leaving school, which is another blow to government coffers. The income threshold and eligibility for this assistance depend on a number of factors.

And, says Neill, there are interest and debt relief programs for specific professions, like doctors and nurses.

According to Neill’s analysis, in 2018-19, all of these programs offering debt relief and interest payments cost the government $ 686 million, compared to interest income of $ 852 million.

Neill calls this “interest subsidy costs”.

“So only there, with these interest subsidy cost programs, the expenses almost exceed the income generated,” she said.

But that’s not all. There is also the cost of bad debts, which are loans that debtors cannot or do not want to pay. These cost the government around $ 300 million in 2018-19.

In addition to this, there is the basic cost of running the program, which includes the remuneration of the staff to administer it. This came with a prize of $ 137 million in 2018-19.

McGill University in Montreal in June 2020. Federal student loans do not accrue interest while a student is studying and for the first six months after graduation. The result is that the government actually subsidizes the education of students during this period. (Ivanoh Demers / Radio-Canada)

The government is losing money on the program

Neill says that when you put it all together, the government not only fails to make a profit, it fails to break even. In other words, it’s losing money.

If you measure income and expenditure with that benchmark from 2015 to 2021 – with the caveat that fully verified numbers are not yet available for the last two fiscal years – she estimates the government has lost around $ 1.8 billion. dollars.

That’s a far cry from $ 4 billion in profits.

“That does not count the cost of the Canada Student Grants Program, which is currently an additional $ 1.5 billion per year,” said Neill.

The NSLSC always recommends that students make lump sum payments on their loans even if interest is not charged while in school or within six months of graduation.

“Make payments while you are in school or in the non-repayment period [six months after you graduate] is a great way to save on long term interest, ”its website says. “This will reduce the principal of your student loan, which will also reduce the total interest you will have to pay later. “

Fact check: False.



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Same-day loan announcements targeting Nova Scotia tenants raise concerns https://sentryparentalcontrols.com/same-day-loan-announcements-targeting-nova-scotia-tenants-raise-concerns/ https://sentryparentalcontrols.com/same-day-loan-announcements-targeting-nova-scotia-tenants-raise-concerns/#respond Thu, 26 Aug 2021 09:01:07 +0000 https://sentryparentalcontrols.com/same-day-loan-announcements-targeting-nova-scotia-tenants-raise-concerns/ Ads for same-day loans targeting people in need of rent have appeared in Nova Scotia, and credit counselor fears high-interest solution will trigger a cycle of payments that people can not afford the middle of an already unstable housing situation. In an online ad, easyfinancial Services is offering Nova Scotia tenants same day loans of […]]]>

Ads for same-day loans targeting people in need of rent have appeared in Nova Scotia, and credit counselor fears high-interest solution will trigger a cycle of payments that people can not afford the middle of an already unstable housing situation.

In an online ad, easyfinancial Services is offering Nova Scotia tenants same day loans of $ 500 to $ 15,000. He suggests covering emergency expenses with an “affordable loan”.

Interest for payday loans can start at 29.9 percent. John Eisner, president and CEO of Credit Counseling Services of Atlantic Canada, says it’s concerning.

“I am appalled by this,” he told CBC radio. Information morning Wednesday.

John Eisner is President and CEO of Credit Counseling Services Atlantic Canada. (Submitted by John Eisner)

Eisner said interest rates can legally reach 60%, and loan announcements like these are only released when people are vulnerable.

These high rates “make the problem worse,” Eisner said.

Halifax resident Manuel Moncayo-Adams first saw the ad on Facebook this week.

“I mean an ad like this is obnoxious at all times,” he said on Wednesday.

Moncayo-Adams said he believes any publicity directed at troubled tenants to be callous and predatory, especially after seeing the dismantling of a tent camp outside the former central library last week. Halifax.

In an email, a spokesperson for goeasy, the parent company of easyfinancial, helps “provide access to credit to unprivileged Canadians.”

“Easyfinancial is not a payday lender – we are an alternative financial provider that bridges the gap between banks and payday lenders,” said Bryan Tritt, vice president of communications, public relations and marketing at goeasy .

Moncayo-Adams saw this ad on Monday. He posted it on Twitter. (Submitted by Manuel Moncayo-Adams)

Eisner said people should look to nonprofit groups for help before choosing short-term, high-interest loans.

He said the problem starts with the housing situation which makes people more vulnerable to same day loan companies, which can put them in the “revolving door” of multiple loans.

Eisner said the problem will not go away anytime soon. “No matter what [payday loan companies] let’s say they targeted vulnerable people.


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5 ways to get a better rate on your student loan this year https://sentryparentalcontrols.com/5-ways-to-get-a-better-rate-on-your-student-loan-this-year/ https://sentryparentalcontrols.com/5-ways-to-get-a-better-rate-on-your-student-loan-this-year/#respond Wed, 25 Aug 2021 03:29:35 +0000 https://sentryparentalcontrols.com/5-ways-to-get-a-better-rate-on-your-student-loan-this-year/ I sacrificed myself for my family. I grew up in Herat, Afghanistan, and spent the first six years of my life in the shadow of the Taliban regime. To this day, whole swathes of my education are missing because of what the Taliban stole from me. So when the United States came to my country […]]]>

I sacrificed myself for my family.

I grew up in Herat, Afghanistan, and spent the first six years of my life in the shadow of the Taliban regime. To this day, whole swathes of my education are missing because of what the Taliban stole from me. So when the United States came to my country to help us, there was no question in my mind: I had to volunteer and do something to build a better future for myself, my brother and my three sisters. .


My brothers in arms have become my family

I joined the United States Army, then the United States Marine Corps as an interpreter. I served seven different infantry battalions for over two and a half years, starting in the Garmser district and pushing up to Marjah, leading the way. During the difficult and exhausting days, I gained brothers and a fellowship that I never knew existed. I saw countless friends shot, injured and even died for this cause, but we had a mission: to drive the Taliban out of Afghanistan. I knew we were making a difference. I was in continuous rotation with different Marines for two and a half years without a break. My father was in the Afghan National Army, and I feel guilty for the double concern we have caused my mother.

I came to the United States and joined a beloved family

After my job in the US military, I knew that staying in Afghanistan was no longer a safe option for me.

After a long process of paperwork and obstacles to overcome, I got an SIV visa. I came to the United States! I was greeted by the first Marine officer I had translated for, David Kinzler. He picked me up from Camp Dwyer in Afghanistan and four years later picked me up from Dulles Airport in Washington DC My brother in arms has become family.

I have lived with Dave and his family for the past seven years, and have watched their family grow and my connection with Dave and Ashley, his wife, has only deepened. I call his wife my sister, his four children are my nieces and nephews, and I thank my lucky stars everyday for the amazing American family I have.

The author with his adoptive family.

Coming from a very family culture, I sincerely believe that my success and my happiness are partly due to being a member of this large and dynamic family. I’ve moved with them twice, and while I might be late for the game, I hope one day – as soon as possible – to have a wife and family close to the Kinzler clan. Their parents are my additional parents; Ashley’s parents were even there when I became a US citizen almost two years ago. As Ashley says, they are “my people”. I am very blessed.

I am desperate to be protected by my family in Afghanistan

I have visited my own parents, three sisters and my brother twice since I immigrated to America seven years ago. Once in November 2020, then again in June / July 2021. Dave and several other Marine buddies were extremely worried about my return home. I wasn’t worried and made it home safely in time for my nephew’s 10th birthday!

I never anticipated what was to come. I knew the troops were withdrawing from Afghanistan. I knew it would cause inconvenience. I even accepted that the Taliban would unfortunately gain a foothold in certain regions of the country. I absolutely did not think that the The Taliban would take control of my town, Herat. It has been a devastating few weeks. I don’t know where to start to express my feelings, but there is a wide range.

At first, I thought my parents and siblings should be safe. They were hidden in the basement of the house. I was alarmed when the Taliban took control of Heratian Prison, which is located perhaps two blocks from my family home. When the Internet started to become more uneven, I became more and more anxious. Then it was as if everything had just exploded. My parents’ neighbor, who worked for the National Security Directorate, was arrested. Just get up and go.

My mind was shaken. My father was a colonel in the ANA [Afghan National Army], and what would stop the Taliban from going after him? My family is fiercely opposed to the Taliban and everything they stand for. My younger sister is in Turkey at the University. My other two sisters are female university graduates. How can I help? How can I keep my family safe? What can I do?

I experienced so many feelings: the anger that the Taliban took control, a deep sadness for the girls and women of Afghanistan, the terror not only for my family but for the safety of all those who helped the Americans or protested the Taliban, and doubt. Was all the fire fighting, patrolling and IED blasts worth it? Did I make a difference? Right now, it feels like we’re all back where we started. I don’t blame the Americans for pulling out after 20 years, and yet I’m also furiously upset and feel like it’s a massive failure on the part of the United States. I am not a political person; I cannot even imagine the heaviness of this situation weighing on the shoulders of our leaders. I don’t have a solution, I don’t have a suggestion, I don’t even know if I have hope right now.

Through uneven communication, help and support from many friends, and crazy logistics, I helped my family get to Kabul. My parents finally accepted that they knew they are not safe because the Taliban continue to find and take people to Herat. The journey from Herat to Kabul is dangerous as it is littered with Taliban checkpoints, not to mention unpaved roads. The total journey is around 15 hours across the country. My family took a bus which left in the middle of the night and since yesterday they have managed to get to Kabul. The question now is: what are they doing in Kabul? They wait. Kabul is their only very, very remote chance to flee the country. They are not eligible for a SIV visa or a P1 or P2 evacuation. They did not help the Americans directly, so as long as they remain in danger, they are also waiting their turn. Kabul airfield is being slammed down and the doors are overrun with people desperate to get their children out. We’ve all seen the videos and photos. It makes me cry for so many reasons.

Humanity is a family

I don’t know what I can do, but I can’t be quiet. Please do what you can and act like your family is in danger too. If you are a person who prays, pray. If you are an activist, help activate any help you can think of. If you are able to donate or open your home, please do so. There’s a show called The United States of Al: it’s about a performer and his life coming to America and living with his Marine family (a bit like Dave’s and my story). To follow them on social networks– they have so many resources that they connect and places where you can donate. Everything is important and makes a difference. Share, like and send positive waves.

While I’m really not sure if I will ever see my family again, I have to remember that during all these hellish past weeks there is some good. There is real goodness in the world. I have received more phone calls, emails, texts and private messages than ever before. Everyone is cherished and loved from the bottom of their hearts. I am now working not only to help my own family, but also all the Afghans we can bring to safety. I look forward to your words, your wisdom and your support.

Thanks for reading the ramblings of an Afghan American clinging to the perspectives of humanity coming together to help save a nation. There is evil in this world, and I have spent my life fighting it, but there is still so much good.



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4 Ways Businesses Can Avoid Loan Scams and Predatory Lenders https://sentryparentalcontrols.com/4-ways-businesses-can-avoid-loan-scams-and-predatory-lenders/ https://sentryparentalcontrols.com/4-ways-businesses-can-avoid-loan-scams-and-predatory-lenders/#respond Thu, 19 Aug 2021 18:22:19 +0000 https://sentryparentalcontrols.com/4-ways-businesses-can-avoid-loan-scams-and-predatory-lenders/ “Approval of the secured loan; receive funds within 24 hours. “No credit check; interest rate from 0%; only a low administrative fee is required. These statements may sound good enough to a small business owner who is in desperate need of capital. But, as the old saying goes, “If something sounds too good to be […]]]>

“Approval of the secured loan; receive funds within 24 hours. “No credit check; interest rate from 0%; only a low administrative fee is required. These statements may sound good enough to a small business owner who is in desperate need of capital.

But, as the old saying goes, “If something sounds too good to be true, it probably is,” says Carolina Martinez, CEO of CAMEO, the statewide microenterprise network. from California. Just because it’s the most common attractive solution you hear doesn’t mean it’s the right solution, she says.

Many small businesses are still recovering from the financial impact of the COVID-19 pandemic, and with the end of the paycheck protection program and bank loan approvals below 20%, scammers and predatory lenders take the opportunity to settle on companies that are looking for financing.

Protect yourself from potential bad actors and find legitimate capital for your business with these four tips.

1. Beware of speed

Speed ​​isn’t always better when looking for business financing. “Beware of quick selling,” says Tom McHale, president of Pursuit, a community lender operating in New Jersey, New York and Pennsylvania.

While some online lenders are great at being quick, predatory lenders can rush you through the loan process to push you into an expensive product without fully understanding the terms.

“You’re going to pay much higher rates and fees for this money than for traditional financing which might take a little longer,” says McHale.

He recommends that businesses look for lenders that allow them to speak directly to a representative – rather than just a bot or live chat – so you can ask questions and understand the terms and conditions of the loan.

And if a lender is unwilling to show you the terms and rates of the loan up front, that’s a red flag.

2. Never pay money up front

“Don’t pay money up front to be able to get a loan,” says Frank LaMonaca, president of the Southeastern Connecticut chapter of SCORE, a network of volunteer mentors that supports small businesses across the board. country. “You should never have to do this.”

A reputable online lender will not charge any fees unless you are approved for a loan. If a lender wants money just to watch your claim, that’s a dead giveaway, says La Monaca.

“No one should ask you $ 2,500 to apply for a loan. You should be able to apply for free, ”he says.

Likewise, don’t trust emails that appear to come from government agencies asking for personal information like your social security number, requesting an upfront payment, or guaranteeing loan approval. The U.S. Small Business Administration recommended Be on the lookout for these phishing scams, as well as other types of grant and loan frauds, especially those related to COVID-19 relief aid.

3. Explore all of your loan options

Businesses may have more financing options than they realize.

Understand your power in the market, says LaMonaca. There are a variety of loan programs to choose from, including those aimed at specific types of businesses, such as women-owned businesses, minority-owned businesses, and veteran-owned businesses.

Community development financial institutions known as CDFI, nonprofit lenders, and reliable online financial services companies can offer loans at affordable rates and on competitive terms, even for new or new businesses. who cannot claim bank financing.

Some of these lenders, like CDFIs, can help businesses burdened with predatory loans refinance into better products, Martinez says.

You can search for local CDFIs on the SBA website, as well as through organizations like Opportunity Finance Network, the national association of CDFIs. Read reviews and refer to resources like the Small Business Borrower Bill of Rights can also help you find reliable online lenders.

4. Surround yourself with the right experts

If you’re unsure of how to find the right financing for your business, or want to make sure you’re not signing a bad deal, turn to the experts. You can work with an accountant, lawyer or other financial expert to help you through the process and even to review your loan request and agreement.

The majority of CDFIs come with a comprehensive support ecosystem to help small businesses assess their financial position, business models and strategies, as well as access capital, says Martinez.

In addition, organizations such as SCORE and the Small Business Development Centers administered by the SBA provide free business advisory services. You can search their websites to find experts in your area to work with your business and browse for additional online resources.

LaMonaca emphasizes the importance of building a team and nurturing relationships to help you run your business – the best business owners don’t go it alone. “The best have great people around them,” he says.

More from NerdWallet

Randa Kriss writes for NerdWallet. Email: rkriss@nerdwallet.com.

The article 4 Ways Businesses Can Avoid Loan Scams and Predatory Lenders originally appeared on NerdWallet.

The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.


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Loan available at employer’s preferential rate for Covid treatment? Prepare to pay additional taxes https://sentryparentalcontrols.com/loan-available-at-employers-preferential-rate-for-covid-treatment-prepare-to-pay-additional-taxes/ https://sentryparentalcontrols.com/loan-available-at-employers-preferential-rate-for-covid-treatment-prepare-to-pay-additional-taxes/#respond Wed, 11 Aug 2021 00:38:13 +0000 https://sentryparentalcontrols.com/loan-available-at-employers-preferential-rate-for-covid-treatment-prepare-to-pay-additional-taxes/ Representation image Highlights The employer is likely to deduct Taxes Deducted at Source (TDS) on this income because it is part of the salary. However, if the employer fails to deduct the same amount, the employee is responsible for paying taxes on the same amount. However, the above tax rules will not be applicable if […]]]>

Representation image

Highlights

  • The employer is likely to deduct Taxes Deducted at Source (TDS) on this income because it is part of the salary.
  • However, if the employer fails to deduct the same amount, the employee is responsible for paying taxes on the same amount.
  • However, the above tax rules will not be applicable if the total amount of the loan advanced by the employer does not exceed Rs 20,000

New Delhi: During the second wave of the Covid pandemic, many people reportedly received help from their employers to overcome the financial burden resulting from hospitalization for the treatment of family members affected by Covid and them themselves. While many companies have paid Covid-related processing fees for their employees and family members, other companies have helped their employees by giving them emergency loans at concessional or zero percent rates. ‘interest.

According to a recent government directive, if an employee receives financial assistance from their employer for covid treatment and any such medical emergency (hospital bills, drug costs, prescribed tests, etc.), these benefits will be taxed. -free for employees. However, if this financial assistance takes the form of a loan granted at a preferential rate, then the interest differential of this loan (compared to the market rate) will be treated as an indirect benefit in the hands of the employee. purposes of taxation.

The employer is likely to deduct Taxes Deducted at Source (TDS) on this income because it is part of the salary. However, if the employer fails to deduct the same amount, the employee is responsible for paying taxes on the same amount.

The tax on such income is calculated monthly on the outstanding loan on the last day of each month. “The prescribed interest rate would be the rate applied per year by the State Bank of India on the 1st day of the relevant financial year for loans of the same type and for the same purpose granted by it to the general public,” said Expert. in Taxation and Investment Balwant Jain. The amount of the balance is taxable in the hands of the employee as an indirect benefit.

For example, you received a loan of Rs 2 lakh from your employer at 2% annual interest for eight months. But SBI charges 9% interest on these loans. Then the amount of interest @ 7% (9% -2%) on Rs 2 lakh for 8 months will be treated as an indirect benefit and will be added to your salary income and will be taxed according to your taxation, Mr Jain said.

However, the above tax rules will not apply if the total amount of the loan advanced by the employer does not exceed Rs 20,000 or if the loan is extended by the employer for the medical treatment of diseases specified in approved hospitals in accordance with Rule 3A. income tax rules.


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Latitude buys Symple for $ 200 million in personal loans https://sentryparentalcontrols.com/latitude-buys-symple-for-200-million-in-personal-loans/ https://sentryparentalcontrols.com/latitude-buys-symple-for-200-million-in-personal-loans/#respond Mon, 09 Aug 2021 02:55:00 +0000 https://sentryparentalcontrols.com/latitude-buys-symple-for-200-million-in-personal-loans/ This is Latitude’s first acquisition since listing on ASX in April at a valuation of $ 2.67 billion. Its shares responded positively to the trade and rose 5% to $ 2.40 after an hour of trading. Latitude said it would transfer its existing auto and personal loan business to Symple technology, describing it as scalable […]]]>

This is Latitude’s first acquisition since listing on ASX in April at a valuation of $ 2.67 billion. Its shares responded positively to the trade and rose 5% to $ 2.40 after an hour of trading.

Latitude said it would transfer its existing auto and personal loan business to Symple technology, describing it as scalable globally and cheaper to operate. The deal would generate $ 28 million in annual cost synergies as Latitude decommission its legacy technology systems.

Latitude CEO Ahmed Fahour rings the ASX in April. Eamon Gallagher

The deal will also see Latitude expand to personal loans in Canada, where Symple will soon begin lending, and launch variable rate personal loans (so far it has only lent at fixed rates).

Latitude’s Mr Fahour said the deal would accelerate growth plans and allow it “to offer a wider range of products and product features in Australia and New Zealand” to its 2.8 million customers . Mr. Fahour said the speed of Symple’s technology was particularly appealing.

“The strategic issue of time-to-yes and time-to-cash has been around since the 1980s, even when I was a young whippersnapper working with BCG,” said Mr. Fahour.

“If you look at what Symple has to offer, they can give you a quote in two minutes, you can process a request in seven minutes, you can get a response in 60 seconds, and you can complete it digitally in a day. “

Symple was co-founded in 2018 by former ANZ bankers Bob Belan, who was ANZ’s general manager of consumer finance, and its former head of personal loans, Paul Byrne. The National Australia Bank provided wholesale funding to Symple. The founders of Symple and a team of 20 people join Latitude.

Symple Loans co-founders Bob Belan, right, and Paul Bryne, were former ANZ executives. Eamon Gallagher

The deal shows Latitude wants to tackle not only the big banks and regional banks, which have pulled out of personal lending over the past decade, but also the new group of fintech personal lenders, including SocietyOne, Plenti, Wisr and Harmoney. Latitude’s presentation posted to ASX on Monday morning showed that Symple’s relative performance was increasing faster than SocietyOne, Plenti and Wisr.

Analysts said the deal shows established players looking to buy fintech-developed technologies rather than building them themselves. “Reading here is the value of fintech origination and service platforms and that they are way ahead of the competition,” Shaw said. & Partner Analyst Jonathon Higgins. “Latitude and traditional incumbents seem well behind and buy without iterating. “

Mr Fahour dismissed comparisons with incumbents where IT projects “usually end in tears” and start-ups where employees sport “fancy t-shirts.” Latitude was in a middle position with a sizable company, experienced executives and good growth opportunities.

“What we do is not marketing. These are responsible and thoughtful loans to clients who are making important decisions in their lives, ”said Mr. Fahour.

Symple has built a cloud-based loan assessment platform that allows it to target prices based on the borrower’s risk at a wider range of interest rates than those offered by banks with settlement. the same day. Symple’s interest rates range from 5.75% to 25.99% on loans between $ 5,000 and $ 50,000.

When it raised funds in February, Symple was valued at over $ 100 million, two years after it started lending. It made $ 5.4 million in revenue in fiscal 2021 and issued $ 41 million in new loans. Its loan portfolio at the end of June stood at $ 53 million.

Latitude has $ 2.5 billion in personal and auto loans for 160,000 customers in Australia and New Zealand. It increased its market share to 12%, up from 9% in 2017.

Two-thirds of Latitude is owned by a group that bought the company in 2015 comprising KKR, Värde Partners and Deutsche Bank.

Latitude was advised by Bank of America and King & Wooden trunks.

Latitude was hit by the pandemic with reduced demand and higher costs and its cash profit for fiscal 2020 fell 18% to $ 223.9 million. It will release the half-yearly figures on August 23.


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