#Which bank term insurance is best?

[thebearer]

Annnnnnd how would Lip act in the situation of the devastation fic

i’ve had to think about this tbh. bc he kinda already had his own version with the unexpected pregnancy news of freddy.

but i started thinking in terms of lip’s reader leaving and taking the kids with her, and genuinely, i can’t think of a situation where that would happen and she would come back. like they’d be done.

now, with that being said, i could see lip and you getting into a fight- a huuuuugggeee fight. bigher than the one when you found out you were pregnant with amelia. this is based off of lip with best friend!reader who’s a elementary school teacher. she does pretty well, has a salary and insurance so wayyyy better than anything lip grew up with, but they’re not rich by any means. truly comfortable. lip’s working at the auto shop, still doing odd ball jobs but more full time, got promoted to a shift supervisor and got a raise. you both share a bank account together bc it makes it easier.

debby (bc it’s always debby and i’m a debby hater sorry) does something stupid. stupid enough to need bail money, stupid enough that she might get franny taken away or placed into custody elsewhere. debby calls lip, wailing and frantic for money, and lip, of course, rushes to give in.

comes to you all frantic and manic. “hey, uh, i-i need to move some money alright?”

“move some money? why?” you frown. “lip, are you- is everything alright?”

“debby got arrested.” lip mumbles. he’s known you for a while, a long while, he knows your disdain when it comes to debby and her carelessness. more so, his incessant need to always pull her out of the hole she dug herself in. “she needs money for bail.”

“woah, woah, hold on.” you stop him. “you’re- you’re not- lip, absolutely not.”

“what?” lip snaps. “absolutely not? what-“

“-lip.” you glare at him lightly. “no, we-we don’t have that kind of money right now. jude starts daycare next month, and the daycare fees are going to double-“

“-yeah because you insist on puttin’ them in that fancy ass one by your school.” lip scoffs. “couldn’t leave them with mrs. mcgee. too fuckin’ good for that.”

“yeah, i am too good to leave my babies with a lady who chain smokes and watches the price is right all day.” you glare. “i want my babies to go somewhere safe and- that’s not even the point right now. lip, no. you’re not doing it. we can’t afford it.”

“we can fucking afford it. don’t start this shit with me-“

“-lip, we might have the money for it, but that does not mean we can afford it. that’s our savings, our safety net-“

“-and this is my family. my sister.” lip gritted his teeth. “isn’t that what the safety nets for, huh? for shit like this? unexpected bad shit?”

“not for debby.” you snap, finality in your tone. “not for someone who continues to make bad decisions and not learn from them and then wants you to run and get her out of it every time. i’m sorry, lip. this time i’m not letting you do it.”

that escalates bc one, you told lip he couldn’t do something which just made him turn more stubborn, and two, he’s blinded with irrational rage.

“what about franny, huh? she’s your fuckin’ niece, you’re gonna just let her get put in the system-“

“-franny is more than welcome to stay here. i will gladly take her while debby’s figuring shit out, but you have kids you need to think of. two kid that are yours that you need to think of, lip!”

“don’t you fucking dare.” lip snarls. “don’t you use my kids against me.”

“i’m not using them against you! jesus, lip, you don’t get to just come in here and tell me what we’re doing with our money! that’s my money in there too, ok? i’m telling you right now, if you fuckin’ use my money on this, and not think about our kids, you might as well just not come home.”

lip is furious, leaves without another word, slamming the door hard behind him leaving you in the house with freddy and baby jude. you’re fuming, upset, hurt- he’s feeling the same. lip is furious, furious at you telling him what to do.

he ends up at ian’s house after coming dangerously close to going to the alibi. ian talks him down, tells him you’re right, which was not what lip wanted to hear.

“debby can wait. she’ll get out soon enough and she can figure it out.” ian rolls his eyes. “she shouldn’t have been such a fuckin’ moron.”

“what about franny then, huh? you’re gonna just let her go into the system? let cps get her until then?” lip spat furiously.

ian scoffs. “franny is with carl right now. he’s bringin’ her here tonight.”

lip burns with embarrassment, feeling petulant but still pissed. “hey, word of advice?” ian smirks. “quit bein’ a hard headed jack ass and go home and apologize to your wife before she comes to her senses and leaves your ass for good.”

and lip is still mad but it’s dwindling, a guilt replacing it instead. he just needed to calm down, to think straight. walking back to your house, he had the time to.

lip jammed his key in the door, the ridges not sliding the usual way, not clicking. so he tried again, turning the key with no luck- it didn’t budge. he pulled on the knob, twisting again and again but nothing. “stupid fuckin’ piece of shit door.” lip grumbles, knocking on the door.

he waits, huffing, knocking louder. when there was still no response, lip goes to pull out his phone, only then does he see the pink envelope with his name on it on the welcome mat.

lip opens it up to find a note:

“phillip,

since you insist on doing whatever you want without asking me or considering our family, i decided i would do the same. you can go stay with debby since you chose her over me and my kids.

ps. don’t bother with the lock, i had them changed xoxo”

he found his car keys under the envelope. lip was furious, absolutely fucking furious and sick and upset and just overwhelmed with every emotion possible. you hadn’t even given him his lighter, so he took a walk to the corner store to buy a pack of spirits and a lighter. he called you on his way back, not surprised when you didn’t pick up.

“hey, you know, i know you think you’re bein’ real fuckin’ funny but this shit isn’t funny, ok? i didn’t choose debby, i didn’t do shit, alright? so let me back in the house and let’s be adults about this.”

then another voicemail.

“alright, seriously? you’re not gonna let me in? you’re not gonna let me come say goodnight to freddy or jude? that’s fucked up. really fuckin’ fucked up.”

“you’re bitchin’ me out about not spending money, and-and you get that done? get the locks changed? how much did that cost huh? you can use money to be petty and childish but i don’t get a say in what i want to use it in?”

“ok this is ridiculous. let me in. talk to me. be a fuckin’ adult.”

“seriously? where the fuck am i supposed to sleep tonight? i know you’re fuckin’ seeing’ these- i can fuckin’ see you! just let me in!”

you don’t budge. don’t reply back, don’t answer the calls. he knows better than to bang on the door, wake jude or freddy up, and truthfully… he’s a little terrified at the moment. very scared that you’re truly done with him, that ian was right and you’d come to your senses.

so he slept in his car. in the driveway, thankful it was warm that night and he had a few spare shirts and things in the back. he waited until the next morning, when he knew you’d be up with the boys, to ring the doorbell.

his anger had vanished to fear and guilt, retreating back to you with his tail tucked between his legs, all sad eyes and gentle apologies that you deflected with anger still bubbling.

it definitely took him a while to make it up, a very long while before you actually gave him his new key. he had to make it up to you, work on his communication and his sharing especially with you.

[covid-safer-hotties]

Coronavirus vaccines, once free, are now pricey for uninsured people - Published Sept 3, 2024

As updated coronavirus vaccines hit U.S. pharmacy shelves, adults without health insurance are discovering the shots are no longer free, instead costing up to $200.

The federal Bridge Access Program covering the cost of coronavirus vaccines for uninsured and underinsured people ran out of funding. Now, Americans with low incomes are weighing whether they can afford to shore up immunity against an unpredictable virus that is no longer a public health emergency but continues to cause long-term complications and hospitalizations and kill tens of thousands of people a year.

The program’s elimination marks the latest tear in a safety net that once ensured people could protect themselves against the coronavirus regardless of their financial situation. Health experts worry that the paltry 22 percent rate of adults staying up-to-date on vaccines will erode further. And they fear that the roughly 25 million people without health insurance in the nation will be especially vulnerable to covid because they tend to be in poorer health and avoid medical care when sick.

Nicole Savant, a 33-year-old part-time paralegal and dog walker, lost her Medicaid benefits last year when her income rose. She wants the latest shot because she knows people who died of covid before the vaccines became available and because she faces a higher risk of severe disease being overweight.

She was floored when she was quoted $201.99 at an appointment to receive the vaccine at a St. Louis-area CVS. She wasn’t sure if she even had that much money in her bank account.

“I have so little money, and I have other needs as well, like monthly medications,” said Savant, who doubts she will get the vaccine if she has to pay out of pocket. “I would hope for the best, which I really don’t want to do.”

At least 34 million doses of last year’s vaccine were administered to adults, according to the Centers for Disease Control and Prevention. Of those, 1.5 million were funded through the Bridge Access Program, which was originally set to end this December, allowing vaccinations ahead of the usual winter wave.

But it expired ahead of schedule because Congress rescinded $6.1 billion in coronavirus emergency spending authority as part of a deal to avert a government shutdown. Congress also declined to fund the Biden administration’s proposal for a Vaccines for Adults program that could provide routine immunizations, including for the coronavirus, for free, similar to an existing Vaccines for Children program.

Private insurers, along with the Medicare and Medicaid government programs, are required to pay for coronavirus vaccines. The Bridge Access Program offered a backup option for people encountering insurance snags.

The CDC said it identified an additional $62 million to buy coronavirus vaccines targeting the latest variants for distribution through state and local health agencies — which local officials say is a sliver of the overall need. CDC spokeswoman Jasmine Reed said the partnership with state and local officials can provide shots to 1 million insured and underinsured Americans.

Raynard Washington, who leads the Mecklenburg County health department in North Carolina, said it’s difficult for financially strapped health agencies to tap their own funds for coronavirus vaccines. Under CDC contracts, health officials spend $78 a dose for the vaccine from the drug company Moderna and pay $100 for the version from Pfizer-BioNTech, compared with $15 to $20 for flu shots.

Washington, who also leads the Big Cities Health Coalition, an organization representing metropolitan health departments, said vaccine manufacturers should charge health departments less to help vaccinate more people without insurance.

“What’s at stake is we are reverting back to a system where a person’s financial ability to be able to pay will determine their ability to be healthy,” Washington said.

Pfizer and Moderna said their vaccines would be available through patient assistance programs that offer free vaccines, but spokespeople did not offer details on the scope and eligibility of those programs. Novavax, whose vaccine was approved by regulators last week, said it does not have a patient assistance program for the upcoming fall season. Moderna and Novavax did not respond to questions about the rate they charge health officials. Pfizer defended its pricing practices.

“Pfizer has priced the vaccine to ensure the price is consistent with the value delivered and with the goal of uninterrupted access for every American,” the company said in a statement provided by spokesman Kit Longley.

Community health centers that often provide low-cost care to uninsured people administered 24 million shots when the federal government provided them, according to the National Association of Community Health Centers. Now, the facilities will have to scale back those programs and rely on local health officials for vaccines, some of whom would have little to share, said Luis Padilla, the association’s chief health officer.

“This country doesn’t provide enough for public health infrastructure and resources,” Padilla said.

The approval of updated coronavirus vaccines on Aug. 22 sent some Americans dashing to get shots before the end of the month. The CDC webpage about the Bridge Access Program, until Friday, said it ended in August without making clear it funded only the previous vaccines, which could no longer be administered after the new shots were authorized.

Adrianna Ruiz, 32, and their girlfriend showed up Wednesday to a CVS appointment in Atlanta hoping to get vaccinated before a Labor Day weekend cross-country road trip to California to help a friend with cancer move their belongings.

Ruiz lost insurance after getting laid off from a nonprofit job in July but believed the vaccine would be free based on the CDC website. But a CVS employee confirmed the program was no longer in effect. Ruiz gets about $300 in weekly unemployment benefits.

“If I want to eat and pay bills, then I can’t afford to pay $200,” Ruiz said.

Instead of getting new shots, Ruiz looked up options to enroll in subsidized insurance plans during the road trip. And the precautions they are embracing on the journey, including taking a PCR test before embarking, wearing N95 respiratory masks at gas stations and packing lunches to eat on picnic blankets in parks, have become more urgent.

Shannon Donnell, a critical care nurse in New York, plans to eat the out-of-pocket costs of an updated coronavirus vaccine. She works on contract without health benefits and said the plans she qualified for through the state’s Affordable Care Act marketplace were too costly with $500 monthly premiums and a $5,000 deductible.

She believes in the urgency of vaccines after watching covid patients die while she worked in Manhattan during the devastating surge in spring 2020 and later cared for unvaccinated patients struggling to breathe in a Texas covid intensive care unit right as the shots arrived. Coronavirus patients no longer flood the intensive care units where she now works, but when they arrive, they are often immunocompromised or unvaccinated.

“It feels like health-care workers are still being left to fend for ourselves in many ways,” Donnell, 48, said. “No one is stepping up to say, ‘Hey, I’ll cover that for you’ before you go into your shift of covering covid patients.”

The Bridge Access Program also extended an opportunity for free coronavirus vaccines to international visitors and undocumented immigrants, who have limited health insurance options.

Vasu, a 56-year-old undocumented and uninsured immigrant in Chicago, hoped to get vaccinated again after hearing about friends getting sick, including one in his 30s whose symptoms lasted for months, and after the outbreak at the Democratic National Convention. A friend offered to pay for her vaccine when Vasu lamented in a Facebook message that the end of the Bridge Access Program left her “screwed.”

“We are talking about a large group of people who are going to lose access or are too nervous about accessing vaccines,” said Vasu, who spoke on the condition she be identified only by a middle name to avoid the scrutiny of immigration authorities. “The government keeps saying it’s your responsibility to be vaccinated. But you are not making it easy.”

The changing landscape for the coronavirus vaccine stands in stark contrast to 2021 and 2022 when free shots were widely distributed. But the urgency of vaccination has subsided as the virus’s toll lessens now that nearly every American has built up immunity from previous infections or shots and hospitals are no longer overwhelmed. People 65 and older, who are at the highest risk of severe illness and death, qualify for free vaccines through Medicare.

Still, health officials recommend young and middle-aged adults receive updated coronavirus vaccines because most Americans have risk factors for complications and because the vaccine reduces the threat of the lingering debilitating symptoms of long covid.

Adriane Casalotti, chief of government and public affairs at the National Association of County and City Health Officials, said the success of the early distribution of coronavirus vaccines “showed us what can be done when you make vaccines accessible and easy to get.”

“But that shifted now,” she added. “We are back to the traditional health-care system we’ve had, and the struggles we’ve had in that health-care system.”

[mariacallous]

In the days before South Africa’s May 29 election, there was a euphoric atmosphere in parts of the cosmopolitan but largely Zulu port city of Durban. People who would usually pass each other anonymously could be overheard telling each other, “We are going to fix the country!” There was, though, an ugly underside to this, with current President Cyril Ramaphosa, who is from the smaller Venda ethnic group, often dismissed in vulgar ethnic terms.

The African National Congress (ANC), after 30 years of comfortable rule, took a heavy blow in this election. It secured only 40.2 percent of the vote nationally and took its hardest hit in the province of KwaZulu-Natal, where Durban is located. There, it came in far behind the newly formed uMkhonto weSizwe (MK) party—whose figurehead is former President Jacob Zuma. MK finished first with almost 46 percent of votes for the national assembly, taking a large number of votes from the ANC—which won around 17 percent—and many from the Zulu-nationalist Inkatha Freedom Party.

KwaZulu-Natal is South Africa’s second-most populous province—and it is notorious for political violence—including open armed battles fought through the late 1980s and early 1990s, assassinations, and major riots in July 2021.

The electoral success of Zuma’s new party in the recent election has raised fears of further violence.

Organized around the charisma of Zuma, who was the staggeringly corrupt president of South Africa from 2009 to 2018, the MK party takes its name, meaning “spear of the nation,” from the armed wing of the ANC formed by Nelson Mandela and others in 1961. The party lays claim to that history and has adopted a militaristic posture.

Apartheid was, of course, not brought down by that army, which was, in military terms, a failed project. Before Western opinion turned at the end of the Cold War, apartheid was rendered nonviable by the mass democratic politics that began with a series of strikes in Durban in 1973, a popular movement that does not appear in Zuma’s militaristic misrepresentation of political history.

MK endorses an extreme version of the authoritarian populism that has surged in elections around the world. It is best described as ethnically inflected nationalism; while the party has an anticolonial dimension in so far as it seeks to build a counter-elite, it is also socially predatory and deeply conservative on social issues. Zuma has suggested doing away with same-sex marriage, which has been legal in South Africa since 2006; elevating aristocratic tribal authorities over elected representatives; holding a referendum on the death penalty; hiring more police officers; and introducing conscription.

Like other authoritarian populist parties in South Africa and elsewhere, Zuma’s party also takes a hard-right line on immigration. This is a matter of serious concern in South Africa, where African and Asian migrants are often targeted by the state and, periodically, by violent mobs.

MK also has a clear ethnic dimension. This is in sharp contrast to the ANC, which was founded in 1912 with an explicit commitment to build a national sense of African identity that eschewed the politicization of ethnic identities. It remains an ethnically diverse organization led by a member of an ethnic minority group.

Like figures such as Hungary’s Viktor Orban, MK is also enthusiastically pro-Putin. Some MK supporters have been seen wearing T-shirts with side-by-side images of Zuma and Russian President Vladimir Putin.

But unlike forms of right-wing populism elsewhere, MK also promises economic inclusion in a country where impoverishment and inequality are rampant, along with the effective provision of basic services. It proposes nationalizing banks, mines, and insurance companies; expropriating land and placing it under the control of the state and traditional authorities; and providing free education and full employment.

Due to this platform, newspapers outside South Africa have sometimes referred to Zuma’s party as being “far left.” But the left in South Africa has not rallied in support of MK’s proposals for expropriation and nationalization—largely because Zuma’s record during his nine years as president was dire in terms of creating jobs; providing basic services, decent health care, education, and public housing; and achieving long-promised land reform.

Indeed, corruption during Zuma’s presidency did massive damage to the state, its institutions, and its publicly owned companies and was so extreme that a single family took in just under 50 billion rand (then around $3.2 billion) from public budgets in what came to be known as “state capture.” Zuma’s presidency was also marked by a sharp increase in state repression, including the massacre of 34 striking miners by South African police in 2012 and frequent assassinations of grassroots activists.

A number of commentators across the political spectrum have reduced Zuma’s popularity and electoral success in KwaZulu-Natal to “tribalism,” sometimes with the implication that atavistic forces are at play. The recourse to this deeply colonial idea of the “tribe” is unfortunate. But the ethnic element in Zuma’s politics cannot be overlooked either.

Zuma has sought to stoke ethnic sentiment since he was tried for rape in 2006, when, along with chanting, “Burn the bitch,” in reference to his accuser, some of his supporters wore T-shirts with the slogan “100% Zuluboy.” In the lead-up to the recent election, it was common to hear people in Durban speak of the need to achieve the unity of the Zulu people.

KwaZulu-Natal has a long history of violent ethnic mobilization. Mpondo people from the neighboring Eastern Cape province have been sporadically attacked and driven from their homes for more than a century, including when ethnic sentiment escalated as Zuma ascended to the presidency in 2009.

In the late 1980s and early 1990s, there was open war between Inkatha, then a conservative Zulu-nationalist organization backed by the apartheid state, and the United Democratic Front, a popular anti-apartheid organization that allied itself with the ANC in exile. It is estimated that around 20,000 people were killed between the late 1980s and early 1990s. The apartheid state saw Inkatha as a conservative ally against the Soviet-linked ANC and an ally equally opposed to the ANC’s vision of a unitary democratic state.

The war came to an end when, in secret negotiations between the last apartheid president, F.W. de Klerk, and Inkatha leader Mangosuthu Buthelezi on the eve of the first democratic election, huge concessions were made to Inkatha, most notably via the massive transfer of land in KwaZulu-Natal—around 11,000 square miles, almost the size of Belgium—to the Zulu monarchy. This boosted the power of what is termed “traditional authority” over democratic authority, as people living on the land must pay rent to a trust headed by the Zulu king and are governed by customary law administered by traditional leaders.

The end of the war did not bring peace, though. The province swiftly became notorious for political assassinations within the ANC, between the ANC and other parties, and against grassroots activists. Many hundreds of people have been killed. The problem of assassinations was never seriously dealt with in the province and, as a result, has been steadily making its way into other parts of the country.

In the latter years of Zuma’s presidency, he sought to protect himself against mass outrage at brazen corruption by cynically spinning his government’s kleptocracy as “radical economic transformation.” This was taken up outside of the state by armed so-called business forums that shook down established businesses at gun point and by local party gangsters who appropriated public land for private profit. The capacity for violence developed in this milieu includes access to professional assassins and, in some cases, local militias.

In July 2021, when Zuma was briefly jailed for being in contempt of court, KwaZulu-Natal was ripped apart by riots in which 354 people were killed. The riots were sparked by a breakdown in the social order as supporters of Zuma, some dressed in military fatigues, openly attacked migrants from elsewhere in Africa in downtown Durban while the police stood down. There were also more covert attacks on trucks on the main road to Johannesburg, and many were left burnt. Again the police stood down.

The riots began with the mass appropriation of food in a carnival atmosphere. In the main, there was not much sense that this was a political event, and many participants were clear that they were not motivated by support for Zuma. But the riots soon took on a more ominous tone, and infrastructure was systematically destroyed by groups of armed men acting with military precision. Zuma’s daughter Duduzile Zuma-Sambudla celebrated the destruction on social media.

Now that the country is suspended between an election result that fundamentally changes its politics and the outcomes of the ongoing high-stakes negotiations to form national and provincial governments, the atmosphere in Durban is more febrile than euphoric.

False claims are being pushed through social media with a startling velocity, with Zuma-Sambudla taking a leading role in the promotion of conspiracy theories. There has been a particular focus, repeated by Zuma in various public statements, on the Trumpian move of declaring, without evidence, that the elections were rigged. The general view is that Zuma and his supporters are making this claim to set the stage for violence, although it is not quite clear what their intentions are.

It is common to hear people say that when the new provincial government comes into power, migrants will be “dealt with” and ethnic minorities will “know their place.” It is not uncommon to hear talk of secession, of an independent Zulu kingdom. There are widespread fears of coming violence, something that a number of grassroots activists say is inevitable. Mqapheli Bonono, one of the most prominent grassroots activists in Durban, said: “There will definitely be violence. We don’t know when or where, but for sure it’s coming.”

Migrants have already been threatened and intimidated. Last Wednesday, an MK organizer was gunned down in Durban. Although there is not yet any evidence of a specific motive, it is being reported by some media as a political killing. It is widely assumed that this is the beginning of an internal struggle for positions and power within MK. Some ethnic minorities fear that they may have to move out of the province. Some have returned to rural family homes outside the province while they wait to see how things play out.

Ramaphosa wishes to establish a national unity government so the ANC can continue to govern the country. It is not yet clear if this will work or if MK will participate in such an arrangement. In KwaZulu-Natal, it is possible that a deal between other parties could keep MK in opposition despite it winning the largest share of the vote. If MK is not part of the deal struck to form a national government, tensions will inevitably escalate. This will be dramatically compounded if the party is kept out of government in KwaZulu-Natal by an alliance of other parties.

If MK does form a government in KwaZulu-Natal, the country will have its second-most populous province governed by a political force directly opposed not just to the national government but to the principles and legal foundations on which the country was founded.

The militaristic posture of Zuma’s party escalates fears of violence, and Zuma himself often makes implicit threats of violence via dog whistles. Speaking in English, he has warned that he should not be “provoked.” Speaking in Zulu, he has said: “Abasazi singo bani” (They don’t know who we are).

The idiomatic meaning here is clear, but, in literal terms, South Africans know exactly who Zuma and his party are.

[buyresidentialpropertiesindubai]

Navigating the Mortgage Market: Finding the Best Mortgage Company in UAE

Navigating the mortgage market in the UAE can be challenging, given the numerous options available. This guide will help you find the best mortgage company for your needs, ensuring you secure favorable mortgage terms and rates.

For more insights into Dubai's real estate market, visit home loan dubai.

Understanding the UAE Mortgage Market

Market Overview: The UAE mortgage market is diverse and competitive, with a wide range of local and international banks offering various mortgage products. Understanding the market landscape is essential for making the right choice.

Types of Mortgages: Mortgages in the UAE can be classified into fixed-rate and variable-rate mortgages. Fixed-rate mortgages provide stability with consistent monthly payments, while variable-rate mortgages fluctuate based on market conditions.

Eligibility Criteria: Each mortgage company has its own eligibility criteria, including income requirements, employment status, and credit history. Understanding these criteria will help you identify which companies you qualify for.

For more investment options, explore Buy Commercial Properties in Dubai.

Key Features of Mortgage Companies

Competitive Interest Rates: Leading mortgage companies offer competitive interest rates, helping you save money over the loan term. Compare the rates offered by different companies to find the best deal.

Flexible Loan Terms: Look for mortgage companies that offer flexible loan terms, including various repayment periods and options for early repayment without penalties.

Customer Service: Excellent customer service is essential when dealing with mortgage companies. Choose a company with a strong reputation for providing responsive and helpful support.

Quick Approval Process: The approval time for mortgages can vary between companies. Select a company known for its quick and efficient approval process to avoid delays in your property purchase.

Additional Services: Some mortgage companies offer additional services such as mortgage insurance, property valuation, and financial planning advice. These services can add value and convenience to your mortgage experience.

For mortgage services, visit Mortgage Financing in Dubai.

Steps to Finding the Right Mortgage Company

Research and Compare: Start by researching various mortgage companies in the UAE. Use online platforms, read customer reviews, and compare their mortgage products and services.

Seek Recommendations: Ask friends, family, or colleagues for recommendations. Personal experiences can provide valuable insights into the reliability and efficiency of different mortgage companies.

Consult a Mortgage Broker: A mortgage broker can provide expert advice and help you find the best mortgage deals. They can also assist with the application process and negotiations.

Pre-Approval: Get pre-approved for a mortgage to understand your borrowing capacity and increase your chances of securing a good deal. Pre-approval also makes you a more attractive buyer to sellers.

Meet with Representatives: Schedule meetings with representatives from different mortgage companies to discuss your needs and ask questions. This will help you gauge their responsiveness and willingness to assist.

Review Terms and Conditions: Carefully review the terms and conditions of the mortgage offers. Pay attention to interest rates, loan terms, fees, and any other conditions that may affect your mortgage.

For property management services, visit Apartments For Rent in Dubai.

Popular Mortgage Companies in UAE

HSBC: Known for its competitive interest rates and flexible mortgage options, HSBC is a popular choice for homebuyers in the UAE.

Emirates NBD: Emirates NBD offers a range of mortgage products tailored to different needs, along with excellent customer service and quick approval times.

Mashreq Bank: Mashreq Bank provides personalized mortgage solutions with attractive rates and minimal fees, making it a preferred choice for many buyers.

ADCB: Abu Dhabi Commercial Bank (ADCB) offers comprehensive mortgage products with competitive rates and flexible repayment options.

Dubai Islamic Bank: For those seeking Sharia-compliant mortgage solutions, Dubai Islamic Bank offers a variety of Islamic mortgage products with favorable terms.

For property sales, visit Property For Sale in Dubai.

Real-Life Success Story

Consider the case of Noor and Hadi, who recently purchased their dream home in Dubai. By working with a reputable mortgage company, they secured a mortgage with favorable terms. The mortgage company provided expert advice, handled the paperwork, and ensured a smooth process from start to finish. This allowed Noor and Hadi to focus on finding their perfect home without worrying about the complexities of securing a mortgage.

For more insights into Dubai's real estate market, visit home loan dubai.

Future Trends in the UAE Mortgage Market

Digitalization: The UAE mortgage market is embracing digitalization, with many companies offering online application processes, digital document submission, and virtual consultations. This trend is making the mortgage process more efficient and convenient.

Sustainable Mortgages: There is a growing demand for sustainable mortgages that support environmentally friendly and energy-efficient homes. Mortgage companies are beginning to offer products that cater to this demand.

Flexible Mortgage Products: Mortgage companies are increasingly offering flexible mortgage products that cater to the diverse needs of homebuyers. This includes options for expatriates, first-time buyers, and investors.

For property sales, visit Sell Your Apartments in Dubai.

Conclusion

Navigating the mortgage market in the UAE involves careful research, comparison, and consideration of various factors. By understanding the market, seeking recommendations, and evaluating your options, you can secure a mortgage that meets your needs and financial goals. For more resources and expert advice, visit home loan dubai.

[officialleehadan]

Under the Edge

Confidence Scheme

+++

Despite their mutual interest, Will meant it when he told Leonardo that any further romantic discussions would be entirely under the thief’s control. He and Vanessa felt very strongly about power imbalances, and also about conflict of interest as it happened. They weren’t going to push Leonardo into something he wasn’t comfortable with.

The flirting, however, was very promising for when their thief did find his feet again.

Until then, Will had a job, several jobs, to handle with regards to Leonardo and the first was in getting Leonardo access to the paintings he claimed were forgeries of his. It took two more long discussions with Leonardo’s lawyer to arrange the appropriate deals involved, although Will wasn’t involved in those discussions. Not because Alexis was worried about his professionalism, but simply because it wasn’t his job to deal with the lawyers.

It did finally lead to an agreement though, and he brought Leonardo into the DoJ’s art crimes section to have a talk about his paintings.

By the time they got there, half a dozen paintings, helpfully pointed out by Leonardo, who kept a good eye on his own work, were waiting.

“the paint I use shows under UV,” Leonardo told Will as they walked into the room. He was visibly uncomfortable with being in the government building, particularly with his arm still in a sling from being shot just a few days earlier. He was healing nicely, but it wasn’t instant. The doctors figured he could be out of the sling by the end of the week, assuming he didn’t have any mobility issues, but that was still a while away. “I figured if I ever needed to call out one of my own forgeries, it would be useful. Turns out, fortune favors the prepared.”

He was Spanish today, with the lilt of Barcelona on his tongue. Interestingly, with an artful tousle of his hair and a slight change of clothing, he even looked Spanish, or at least, Spanish enough that, with the accent, it was hard to take him as anything else. It shed some light on how nobody seemed to be able to identify him, back before he revealed himself on his own terms. Will knew he was a chameleon, but he hadn’t truly seen it in action today.

“We have the list of paintings, and where your ‘signature’ is on each of them,” Will said conversationally. “The art experts are impressed, by the way, and Alexis is frustrated. I think she was hoping for something she could use to catch you on other forgeries.”

“There’s a reason I did it how I did it,” Leonardo said with a very satisfied smile. He had earned it. None of his ‘signatures’ were in the same place, the same kind of paint, or the same shape. If Leonardo hadn’t been able to identify exactly where the marks were, and which shape, in which paint, they were, there would be no way to determine if he was telling the truth. “I’m not an amateur. I don’t enjoy prison.”

“You’ve been?”

“Never under a name you’ll be able to trace, Cowboy. I’m a professional.”

Meaning that the records were either sealed, or vanished completely. If Will had to guess, he would bet on a little of both. Leonardo had the resources, after his many thefts, to make sure his records were lost, never to return. Money could make a lot of things happen, and he had lots of money to throw around. Despite the DoJ’s best efforts, the only bank account they were able to find connected to him contained less than ten thousand dollars. Will knew he had more, hidden away, but given Leonardo’s attention to detail, he doubted it would ever come to light.

After all, he had his own assets hidden away from his own life of crime. His insurance against a truly bad day, and his life insurance policy for Vanessa, in case something happened to him.

“This is Leonardo,” Will introduced Leonardo to the art experts who were, by and large, more interested in art than crime, and could admire a well-done piece of work. “Leo, Meet Tucker, our restoration expert, Arianna, our historical expert, and Padma, our forgeries expert.”

“Nice to meet professionals in the craft,” Leo said with that charming grin that probably opened more doors than his lockpicks. He admired the paintings on display, which were mostly his own, and then paused on a painting he hadn’t named. Likely a project of Padma’s. he didn’t say anything though, but that glance told Will there was more to the painting. “So, we’re talking forgeries. Specifically, mine.”

“You’ve got an impressive body of work,” Padma said, always able to admit when she came across an expert. “It took some serious work to pick these out from originals. Your canvas work is particularly good.”

“Restorers notice canvas,” Leonardo said with a respectful nod to Tucker, who smiled, but with a less-friendly edge. He did not like forgers, and was not pleased to have Leonardo in the lab at all. “Honestly, they’re more likely to catch a forgery than anyone else.”

“Is that why you ‘restore’ all your works?” Arianna asked curiously and waved Leonardo over to the nearest of the paintings, which looked religious, given the Virgin Mary baring her burning heart. It was a gorgeous example of the time period, and the restoration looked, to Will’s inexpert eyes, museum-quality. “So that you have a few years between selling a painting and it being examined for restoration again?”

“It does give a nice head start, but it’s mostly to hide any errors I make,” Leonardo said and flipped the painting over gently before he reached for, and received, a small metal shim. With expert hands, he pulled two nails on the edge of the canvas and folded it up enough to reveal a scant patch of paint on the back. It looked like nothing to the casual eye, but Leonardo knew exactly what he was doing. “And it hides other things as well. Want me to show you the others or did you find them already?”

“Sure,” Padma said with a wolfish grin of one who loved this sort of work. “Show us how to spot a Venganza Special, and while you’re at it, we need to talk about where you learned to paint, and how long it will take to talk you into working with us on more than just your forgeries.”

“Longer than you have,” Leonardo said, and winked at Will, who just settled in to let the professionals do their work. “But I am my own favorite topic. Why don’t I prove I gave you the right paintings, and we can talk art.”

+++

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Bring a Crowbar

Proposal Lasagna

Hang from a Ledge

Taken Home

Oath Named

Cops and Robbers

Smudge 

Under the Edge

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+++

MASTERLIST

[storagedepotdallas]

Affordable Self Storage Units in Dallas, GA: Finding the Best Deals

When searching for affordable self storage units in Dallas, GA, you want to balance cost with quality to ensure your belongings are stored securely without breaking the bank. With a range of options available, finding the best deals involves understanding your needs and knowing where to look. Here’s how you can find affordable self-storage solutions that meet your requirements.

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5. Check for Hidden Fees

When evaluating affordable self-storage units, be aware of any additional fees that might affect the overall cost. Some facilities may have hidden charges for administration, insurance, or access. Ensure you understand the complete pricing structure before signing a rental agreement.

6. Read Customer Reviews

Customer reviews can provide valuable insights into the quality and affordability of self-storage units. Look for feedback on customer service, facility cleanliness, and overall satisfaction. Positive reviews can guide you to trustworthy and cost-effective storage options in Dallas, GA.

In conclusion, finding affordable self-storage units in Dallas, GA, involves evaluating your storage needs, comparing local facilities, and taking advantage of promotions. By understanding the pricing structure and checking for hidden fees, you can secure a cost-effective solution that fits your requirements. Whether you need mini storage units for personal use or business storage units for your company, making informed decisions will help you find the best deals.

Author: Jacob Mortensen

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10 Federal Storage provides advanced, secure self-storage facilities. Lease a unit anytime online or by phone. Our high-tech facilities feature controlled access, surveillance cameras, and remote system monitoring. Enjoy competitive rates and 24/7 access. For assistance, call us during our support hours: Customer Support Hours: Monday - Friday: 8am-6pm, Saturday: 9am-3pm, Sunday 12pm-4pm.

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[classicquid]

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[shiorimakibawrites]

Battlin' Jack Murdock Rant

Possible unpopular opinion here but something I think people need to cut Jack some slack on is the Matt doing his stitches thing.

Now I'm not saying that it is a good thing that Matt was sewing up his dad's face. But I am saying that Jack might not many other options.

But What about the hospital? Or Urgent Care? Or a clinic? I hear you ask.

Well, do you know what those things require? Money. You know what Jack didn't have a lot of? That's right. Money.

You know what else he probably didn't have? Health insurance.

So yes, he could have got to the ER, waited for hours since his injuries are not life-threatening, gotten professional medical attention, and a bill that he cannot pay. Yes, eventually the hospital will write it off. But in the meantime, it's sitting on his credit report, dragging it down even further.

Assuming the hospital doesn't turn him away for not being able to pay them. Which, since his injuries aren't life-threatening, they can do. Law only says they have to treat you if you are dying. Which is why people without insurance or money don't go the hospital or even the doctor until it gets that bad.

Yes, there might have low-cost clinics with a slide scale that maybe he could afford. But they might not have stuff for stitches because that's not where people go for that stuff. Or aren't open when his bouts get done so waiting until morning. Or even the adjusted payment is still out of his budget.

Yes, maybe he and Matt qualified for Medicaid. But maybe Jack couldn't figure out how navigate all of the red tape. Or maybe he tried and they were rejected. Maybe they were in that uncomfortable zone where you don't make enough to cover everything but you make too money to qualify for food stamps and other social welfare programs.

I've been in that zone. It's not fun. It usually means you end up putting things like paying your rent and getting enough food above going to the doctor for any reason.

The only legal short-term loans he might have been able to get to cover an extra expense like that are payday loan places. Assuming they considered boxing (and whatever else he might done to make ends met) regular employment. Which they probably didn't.

Even if they did, the interest rates on those loans are truly outrageous. And a lot of those companies (especially prior to 2008) could some things to make your situation worse. Like keep hitting re-sent on the check after they got an insufficient funds bounce from the bank so you get a bunch of overdraft fees. (Currently, they can only do this twice before they have to stop. But they have also been fighting this and similar regulations since they were put in place).

Just saying that sometimes you don't have good options. You only have bad ones. So you pick the least bad one or the one you can live with.

Just saying that Jack Murdock was doing his best in a bad situation. He was trying to be a good dad to Matt. Maybe cut him a little slack.

[paydayquid]

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[quill-of-thoth]

Letters from Watson: The Red-Headed League

Part 3, the fun bits

Watson lives in Kensington at this time, presumably with his wife Mary. He still lives in Kensington by the time of The Adventure of the Empty House.

For those of you who feel Holmes and Watson are being spoilsports here, I have not been able to find any evidence that banks were insured in England during this time period. As far as I can tell the gang really is stealing people's money.

Peter Jones is, sadly, another one appearance Scotland Yard detective. He appears to be primarily after John Clay and his gang, so it makes sense that he would not come up again.

The banker's "rubber" is a game of cards. Presumably played for actual money, given Holmes' comments.

You two take the first cab, I need to spill the tea to Watson.

"Tenacious as a lobster" this man Jones apparently has amazing grip strength, for all that Holmes has zero respect for his professional capabilities. Probably why we don't see him again.

*Slaps floor of bank vault* This bad boy can fit so many unusual echoes

30,000 napoleons: New least favorite currency, activate. Best I can guess: the most minted denomination of a Napoleon was worth about 20 francs. I was unable to find a francs to pounds conversion from the 1890's, so we'll make do with the approximate 27 francs per pound from 1916. This gives us about 22,000 pounds (rounded because why not.)

This is, and I must stress: 22,200,000 modern pounds / 26,600,000 USD.

Yep, this is a twenty-odd million bank heist, or its temporal equivalent. Presumably the Francs are easier to carry away, being a much smaller total volume.

Holmes being considerate bringing the cards... I believe the term "rubber" was usually referring to a round of whist, which I do not know at all how to play but is related to bridge, which my grandmother failed to teach me. Either way, it's a partnered game for a party of four: undoubtedly the arrangement would have been Holmes and Watson vs. Banker and Policeman.

The ending quotation is "the man is nothing, the work is everything." Of note, with Gustave Flaubert and George Sand, Holmes is referencing more French realist novelists. Poor Watson is doomed to never both sell a story and earn Holmes' approval of it's style, it seems.

For more historical information, George Sand's relationship to gender is slightly complex. Like many authors she wrote under a masculine penname to get published, unlike many others, she was bi and dedicated to tearing down french gender norms in the early 1800's.

[realestateusvirginislands]

A Buyer's Guide to Houses for Sale in the Virgin Islands

Nestled in the turquoise waters of the Caribbean, the Virgin Islands beckon with their blend of tropical allure, rich history, and modern luxuries. If you've ever entertained the dream of owning a home here, you're not alone. The prospect of sun-soaked mornings, balmy evenings, and a serene island life can be irresistible. However, navigating the property market in such a unique locale requires insight. In this guide, we'll offer key points every prospective buyer should consider when looking at houses for sale in the Virgin Islands.

1. Understand the Different Islands:

The Virgin Islands archipelago comprises both U.S. and British territories. From bustling St. Thomas and lush St. John in the U.S. Virgin Islands to the charming Tortola and pristine Virgin Gorda in the British Virgin Islands, each island offers a distinct experience. Decide which aligns best with your lifestyle and preferences.

2. Engage a Local Realtor:

A seasoned local real estate agent can be invaluable. They can provide insights into market trends, property values, and even nuances between neighborhoods. Additionally, they'll be abreast of listings that may not be widely advertised.

3. Factor in Total Costs:

Apart from the house price, there are additional costs like property taxes, homeowners' insurance, and possibly homeowners' association fees. In some areas, particularly in the BVI, non-residents may also encounter "alien landholding licenses" which come with their own fees.

4. Explore Financing Options:

While some international buyers opt to pay cash, financing options are available. However, mortgage processes and requirements might differ from those in the U.S. or other countries. It's advisable to consult with local banks or lending institutions early in your search.

5. Consider Resale Value:

Though you might be buying a home in the Virgin Islands for personal use, it's wise to consider its potential resale value. Properties with beach access, views, or in popular tourist areas tend to have higher appreciation.

6. Research Property Rights and Restrictions:

Both the USVI and BVI have specific regulations regarding property ownership, especially concerning beachfront properties. It's vital to be aware of any easements or public access rights associated with a potential home.

7. Be Patient with the Process:

Buying property in the Virgin Islands might take longer than you're accustomed to, given the thorough title searches and potential bureaucratic hurdles. Be prepared for a process that might extend several months.

8. Conduct a Thorough Inspection:

Given the region's susceptibility to tropical storms, ensure any house you're considering has been well-maintained and is structurally sound. It's worth hiring a professional to inspect the property, checking for any storm damage or issues that might not be immediately visible.

9. Reflect on Lifestyle Needs:

Think about your long-term plans. If you're considering making the Virgin Islands your permanent residence, consider proximity to amenities, healthcare, and other essential services. However, if it's a vacation home, focus on factors that maximize relaxation and recreation.

10. Legal Consultation is Key:

Before finalizing any purchase, consult with a local attorney familiar with Virgin Islands real estate law. They can ensure all legalities are addressed, from confirming the legitimacy of property titles to ensuring you're aware of all rights and responsibilities associated with the property.

In Conclusion:

Purchasing a house in the Virgin Islands can be the realization of a dream. While the process might seem daunting, armed with the right information and a team of local experts, it becomes more manageable. With diligence and patience, you can find your slice of paradise in this Caribbean haven.

[marysmendoza]

High Yield Savings Account: Maximizing Returns While Safeguarding Your Savings

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Understanding High Yield Savings Account:

A High Deliver Bank Account is a form of bank account provided by banks and credit unions. What packages it besides a traditional bank account is the significantly higher monthly interest it gives. When standard cost savings balances may offer nominal earnings, Great Produce Financial savings Profiles try to outpace rising prices and supply a lot more significant revenue on the settled funds.

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Liquidity: Substantial Deliver Financial savings Profiles provide you with the versatility of quick access to your funds. Unlike some long-term investments, you may pull away cash from the bank account whenever you need it without incurring penalties.

No Investment Risk: Contrary to shares or joint money, which can be susceptible to industry variances, an increased Yield Bank Account offers a stable comeback without disclosing your price savings to investment risk.

No Lock-In Period: As opposed to certificates of deposit (CDs), which require that you secure your cash set for a particular word, Great Produce Cost savings Accounts have zero secure-in time. This means you can access your resources whenever essential without restrictions.

Making the Most of Your High Yield Savings Account:

To maximize the benefits of a High Yield Savings Account, consider the following strategies:

Research and Compare Rates: Different banking institutions offer diverse rates on Substantial Deliver Savings Accounts. Make time to research and compare prices to get the best deal for your cost savings.

Automate Regular Contributions: Set up automated transfers from your principal bank checking account in your Higher Yield Savings Account. Automating efforts allows you to conserve consistently and builds your savings more quickly.

Leverage Compound Interest: Substantial Deliver Savings Credit accounts typically ingredient attention, which suggests your attention earns attention as time passes. The greater number of you leave your money from the profile, the quicker it is going to develop.

Use It for Emergency Fund: Higher Generate Savings Credit accounts are fantastic for positioning your urgent fund. These balances supply both safety and liquidity, making certain your money is plentiful when unanticipated costs come up.

Monitor and Adjust: Keep close track of the interest rates and also the performance of your own Substantial Generate Bank Account. If you locate much more competing charges in other places, think about relocating your resources to a greater-paying profile.

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[mariacallous]

Planning is underway for the G-7 summit that Italian Prime Minister Giorgia Meloni will host from June 13 to 15. As the 50th summit of the G-7, the club of the world’s leading democracies, there will be an impulse to celebrate.

Understandably so. The G-7—which includes Canada, France, Germany, Italy, Japan, the United Kingdom, the United States, and, since 1981, the EU—today represents 54 percent of world GDP and over 55 percent of global defense spending. For decades, G-7 members have gained additional weight on the world stage by coordinating their national economic power in pursuit of shared foreign-policy priorities, such as protecting democratic societies and open markets.

But the importance of the coming summit exceeds its status as a landmark anniversary. The G-7’s future—and the future of global democratic cohesion in general—is now at stake.

Recent disparaging remarks about NATO by presumptive Republican presidential nominee Donald Trump have led many to question the credibility of America’s commitment to its allies. Part of Trump’s frustration with NATO comes from other NATO members’ historically low defense spending compared to the United States. Why should Americans spend more on Europe’s defense than Europeans are willing to?

However, the G-7 might prove even more vulnerable to the vagaries of a second Trump term. For Trump, coordinating U.S. foreign policy with others is a pointless constraint on U.S. freedom of action—unless, that is, it provides a tangible net economic return to America.

Herein lies the problem. The United States currently runs a trade deficit in goods with all of its G-7 partners except the United Kingdom. In 2023, these deficits amounted to $337 billion, more than the U.S. deficit with China ($279 billion). Trade deficits in goods are a foreign-policy red flag to Trump. That is why he treated Angela Merkel’s Germany as a greater rival than Vladimir Putin’s Russia and torpedoed the 2018 summit communiqué after G-7 leaders tried to push back against U.S. protectionism.

G-7 leaders could cross their fingers and hope there is a second term for incumbent U.S. President Joe Biden. But this is currently, at best, a 50-50 proposition. Instead, they should use the next three months to put in place a policy agenda that could withstand the buffeting of a second Trump presidency while also serving as a platform for a second Biden term.

The G-7’s achievements in Biden’s first term have been impressive. Since Putin’s full-scale invasion of Ukraine in February 2022, the G-7 has implemented an unprecedented package of sanctions against Russia, ranging from freezing the roughly $300 billion of its central bank’s reserves held in their currencies to banning the provision of insurance to tankers carrying Russian oil if it’s sold above a cap of $60 per barrel. It can do this because over 93 percent of global reserves are held in G-7 currencies, and over 90 percent of the world’s oceangoing tonnage is covered by protection and indemnity insurance issued by companies based in the G-7.

Reflecting their common concerns over China’s rise and Beijing’s close alignment with Moscow, the G-7 has also engaged consistently over the past three years with close allies South Korea and Australia, in an effort to start “friendshoring” supply chains for the semiconductors and renewable energy inputs that will be central to their future economic growth.

All this important work could come to an end if a new Trump administration returned to punishing its closest allies for being free riders. But fixing G-7 members’ trade imbalances with the United States is impossible in the near term. That’s why the upcoming G-7 summit must prioritize preparing for the possible restoration of a hostile Trump presidency.

First, G-7 members need to send a clear signal to Moscow that their support for protecting the sovereignty of Ukraine has no time limit. The murderous conflict there is now shadowed by an intense contest to show which side can outlast the other politically and economically. With new U.S. support currently blocked in Congress, European countries plus the EU have already taken an important step to demonstrate their resolve, by committing a further 77 euros billion in future multiyear financial and military assistance to Kyiv, on top of the approximately 75 billion euros they have already allocated since the start of the war.

The summit should also decide how all G-7 members will start drawing on the profits earned from the frozen Russian reserves. The obstacle to date is that the bulk of these reserves are held by EU banks, and some governments and the European Central Bank are concerned that even the modest step of disbursing the earned interest (4.4 billion euros last year) lacks a firm legal foundation and could also undermine the euro’s credibility as a global reserve currency. Overcoming these reservations would underscore the G-7’s resolve; and a Trump presidency might think twice before reneging on an arrangement that would repay some of the U.S. costs of supporting Ukraine.

Second, G-7 members should invite South Korea and Australia formally into the group. If there is a second Biden term, their membership will strengthen the G-7’s collective resilience in high technology and renewable energy. If there is a second Trump presidency, these two democratic allies will be less isolated in the face of his mercantilist threats.

Third, G-7 members should allocate a first tranche of funding for the plan that the Biden administration, EU leaders, Saudi Arabia, the United Arab Emirates, and India announced last year to build a rail, energy, and data corridor from India through the Gulf and Israel to Europe. This belated but important project to compete with China’s Belt and Road Initiative will connect India’s and the Gulf states’ youthful, burgeoning economies with Europe’s wealthy but aging markets.

The war in Gaza has called the plan into question, but its benefits to Israel create an important additional incentive for a post-Netanyahu government to build a durable peace with the Palestinians. At the same time, it would support the Trump presidency’s main foreign-policy achievement: the 2020 Abraham Accords that normalized Israel’s relations with several Arab states.

The G-7 is an invaluable geo-economic coordinating body for what is shaping up to be a protracted new Cold War with China and Russia. Whether to cement the gains of the Biden presidency or lessen the global risks of a Trump presidency, the G-7’s 50th anniversary summit must live up to its billing.

[buyresidentialpropertiesindubai]

Expert Advice on Choosing a Mortgage Company in UAE

Choosing the right mortgage company in the UAE is essential for securing favorable mortgage terms and rates. This guide will provide expert advice on selecting the best mortgage company for your needs.

For more insights into Dubai's real estate market, visit Dubai Real Estate.

Understanding the UAE Mortgage Market

Market Overview: The UAE mortgage market is diverse and competitive, with a wide range of local and international banks offering various mortgage products. Understanding the market landscape is essential for making the right choice.

Types of Mortgages: Mortgages in the UAE can be classified into fixed-rate and variable-rate mortgages. Fixed-rate mortgages provide stability with consistent monthly payments, while variable-rate mortgages fluctuate based on market conditions.

Eligibility Criteria: Each mortgage company has its own eligibility criteria, including income requirements, employment status, and credit history. Understanding these criteria will help you identify which companies you qualify for.

For more investment options, explore Buy Residential Properties in Dubai.

Key Features of Mortgage Companies

Competitive Interest Rates: Leading mortgage companies offer competitive interest rates, helping you save money over the loan term. Compare the rates offered by different companies to find the best deal.

Flexible Loan Terms: Look for mortgage companies that offer flexible loan terms, including various repayment periods and options for early repayment without penalties.

Customer Service: Excellent customer service is essential when dealing with mortgage companies. Choose a company with a strong reputation for providing responsive and helpful support.

Quick Approval Process: The approval time for mortgages can vary between companies. Select a company known for its quick and efficient approval process to avoid delays in your property purchase.

Additional Services: Some mortgage companies offer additional services such as mortgage insurance, property valuation, and financial planning advice. These services can add value and convenience to your mortgage experience.

For mortgage services, visit Commercial Mortgage Loan in Dubai.

Steps to Choosing the Right Mortgage Company

Research and Compare: Start by researching various mortgage companies in the UAE. Use online platforms, read customer reviews, and compare their mortgage products and services.

Seek Recommendations: Ask friends, family, or colleagues for recommendations. Personal experiences can provide valuable insights into the reliability and efficiency of different mortgage companies.

Consult a Mortgage Broker: A mortgage broker can provide expert advice and help you find the best mortgage deals. They can also assist with the application process and negotiations.

Pre-Approval: Get pre-approved for a mortgage to understand your borrowing capacity and increase your chances of securing a good deal. Pre-approval also makes you a more attractive buyer to sellers.

Meet with Representatives: Schedule meetings with representatives from different mortgage companies to discuss your needs and ask questions. This will help you gauge their responsiveness and willingness to assist.

Review Terms and Conditions: Carefully review the terms and conditions of the mortgage offers. Pay attention to interest rates, loan terms, fees, and any other conditions that may affect your mortgage.

For property management services, visit Apartments For Rent in Dubai.

Popular Mortgage Companies in UAE

HSBC: Known for its competitive interest rates and flexible mortgage options, HSBC is a popular choice for homebuyers in the UAE.

Emirates NBD: Emirates NBD offers a range of mortgage products tailored to different needs, along with excellent customer service and quick approval times.

Mashreq Bank: Mashreq Bank provides personalized mortgage solutions with attractive rates and minimal fees, making it a preferred choice for many buyers.

ADCB: Abu Dhabi Commercial Bank (ADCB) offers comprehensive mortgage products with competitive rates and flexible repayment options.

Dubai Islamic Bank: For those seeking Sharia-compliant mortgage solutions, Dubai Islamic Bank offers a variety of Islamic mortgage products with favorable terms.

For property sales, visit Villas For Sale in Dubai.

Real-Life Success Story

Consider the case of Fatima and Zayed, who recently purchased their dream home in Dubai. By working with a reputable mortgage company, they secured a mortgage with favorable terms. The mortgage company provided expert advice, handled the paperwork, and ensured a smooth process from start to finish. This allowed Fatima and Zayed to focus on finding their perfect home without worrying about the complexities of securing a mortgage.

For more insights into Dubai's real estate market, visit Dubai Real Estate.

Future Trends in the UAE Mortgage Market

Digitalization: The UAE mortgage market is embracing digitalization, with many companies offering online application processes, digital document submission, and virtual consultations. This trend is making the mortgage process more efficient and convenient.

Sustainable Mortgages: There is a growing demand for sustainable mortgages that support environmentally friendly and energy-efficient homes. Mortgage companies are beginning to offer products that cater to this demand.

Flexible Mortgage Products: Mortgage companies are increasingly offering flexible mortgage products that cater to the diverse needs of homebuyers. This includes options for expatriates, first-time buyers, and investors.

For property sales, visit Sell Your Property in Dubai.

Conclusion

Choosing the right mortgage company in the UAE involves careful research, comparison, and consideration of various factors. By understanding the market, seeking recommendations, and evaluating your options, you can secure a mortgage that meets your needs and financial goals. For more resources and expert advice, visit Dubai Real Estate.

[exitrowiron]

FTX and Alameda - the crypto crash explained

I’m not a crypto advocate but the implosion of FTX and Alameda is compelling reading. One statistic repeated by the media is that the net worth of SBF (the founder and boy genius) dropped from $16B to $0 overnight. It is difficult to understand how that’s possible - this clip from the WSJ is the best layman’s terms explanation I’ve seen.

Here’s another example: imagine you and I are camping and it starts raining. Your matches are wet and useless while I have a box of 100 dry matches in my backpack. You’re desperate to light a fire and agree to pay me $100 for a single match. Using the FTX example, the remaining 99 matches are worth $9,900 and I use the ‘value’ of the matches as collateral to buy a car. Crazy right? But that’s a reasonable analogy to how FTX was valued and one way they got in trouble.

But there’s another huge law they broke. To explain this, let’s think about Citibank which has a large consumer banking operation as well as an investment division. The investment division makes investments (of varying risk profiles) in businesses and the proceeds (or losses) from these investments are distributed to its shareholders. So you can have a checking savings account at Citibank and also be a shareholder. BUT… Citibank can’t use the money from your savings accounts to fund risky investments made by its investment arm. Unfortunately, FTX broke this rule. Unsuspecting customers deposited their crypto coins in the FTX bank not knowing that FTX was making undisclosed loans to it’s sister investment company Alameda. That’s illegal in the US and regulators would have caught it but FTX international (where most of the losses occurred) is based in the Bahamas. Because FTX deposits aren’t insured by the FDIC, when the Alameda investments went south and all the FTX depositors wanted their money/coins back (like an old-fashioned run on the bank), FTX didn’t have the money and had to declare bankruptcy. That’s the fraud part and it’s why people will go to jail.

There were so many red flags surrounding FTX which many in the global financial community ignored, not least of which was the lack of audited financial statements from a globally recognized audit firm.

The US banking and securities regulatory systems are often the subject of criticism from both sides (underfunded yet with confusing inefficiencies caused by overlapping regulatory agencies)… but they are very important and add to the long term strength and resilience of the US financial market. I’m now old enough to recognize that approximately every 10 years the market finds a way to exploit a loophole and cause a mini or major meltdown. In the ‘80’s it was junk bonds, in the early 90’s it was the Savings and Loan crisis, the early 2000’s brought the internet fueled dot.com meltdown and of course we all still remember the mortgage/CDO crisis of 2008-09. Now we’re teetering on the edge of the post-pandemic recession again caused by runaway inflation which in turn was caused by Covid supply chain challenges and Covid stimulus money.

There’s only common thread I can find. In each case the world has been awash in cash, inflating the price of traditional investments and thereby lowering their returns. As a result investors seeking to put the cash to work pursue increasingly risky investments and overlook traditional due diligence. A FOMO mentality takes over and an implosion isn’t far behind. The crypto run up and decline is a perfect example.

Hope this post helped - I’d love questions/comments/corrections.

[schraubd]

Hertz So Bad

Hertz Rental Cars has settled a lawsuit after allegations that it had falsely accused numerous customers of stealing cars, resulting in terrifying police encounters, arrest, and even imprisonment. 

The rental car company Hertz Global Holdings, Inc. announced on Monday that it would pay about $168 million to settle disputes with hundreds of customers who claim they were falsely accused of vehicle theft.

The company, which filed for bankruptcy in 2020, occasionally recorded certain vehicles as stolen, even after customers had extended and paid for their rental periods, sometimes leading to frightening run-ins with the authorities, and even jail time, according to lawsuits filed on behalf of customers across the country.

As many have noted, this is all things considered a pretty light punishment -- a monetary fine that will mostly be covered by insurance, and no tangible consequences for the executives responsible for the policy itself.

I have a general rule of thumb when transacting in a business sector with a somewhat skeezy reputation: Always work with the company that most recently was caught in a high-profile scandal, because they're most likely to be on their best behavior in the near-term (it's why I bank at Wells Fargo!). But even taking that rule into account, I stay away from Hertz. The bespoke Grand Theft Auto expansion pack is just the start of their customer service trainwreck.

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