#loan & finance

[fuzzytimes1]

In Japan, pet fish playing Nintendo Switch charges the owner's credit card

CNN — Here’s something you don’t see every day. Pet fish playing a video game Japan managed to log into the Nintendo Switch Store, change their owner’s avatar, set up a Pay Pal account, and collect a credit card bill. And everything seemed to be streamed live in real time on the internet. The fish in question belong to a YouTuber named Mutekimaru, whose channel is popular with the gaming…

[sophsweet]

Proposals for Lenders and Homeowners to Get Return on Investments on Energy Efficiency Renovations

As we head through winter in Europe, when billions of Euros are spent helping people heat their homes, the EU’s Energy Performance of Buildings Directive outlines ways to reduce running costs, raise property value and increase jobs and financial security in the renovations sector. Ironically, the energy crisis has spurred some real progress. The progress made in energy efficiencies since the…

[lexlawuk]

Bridging Loan Case Study: McDonald v London Credit - Default Interest Rate - Unenforceable Penalty

We have again successfully represented a bridging customer in a significant settlement win against another bridging lender. This time, London Credit Limited (an unregulated tertiary bridging lender) was forced to agree to our client’s settlement terms which were for payment of a fraction of the amount sought by the bridging lender for which they already had judgment for. This is not the first…

[hybridcloudtech]

7 Best Mobile Loan Apps in Nigeria Without BVN

Mobile loan apps are now on the rise in Nigeria’s money market due to the hike in the cost of living and other expenses. Therefore, if you are looking for mobile loan apps in Nigeria that does not require your BVN, you are lucky because in this post, I have at least seven of mobile loan apps that can help you access money. Many loan apps usually do not need BVN to get approvals. This is because…

[reportwire]

Biden administration tells student loan forgiveness applicants it is 'confident' in face of Supreme Court skepticism | CNN Politics

CNN  —  The Biden administration is projecting confidence about the fate of President Joe Biden’s student loan cancellation program in a message to applicants, even in the face of skepticism from conservative Supreme Court justices in Tuesday’s high-stakes oral arguments. Education Secretary Miguel Cardona said in an email sent to millions of borrowers who applied for debt cancellation that the…

[lucky3721]

Here is a van created to make you feel like you are still in the old cabin while parked at a wayside. This van has a gas-powered heater to keep you warm, a powerful fan to keep you cool and even a hideaway toilet! Complete with a sink and a fridge, this small kitchen also has an induction stove built into it. The bed space is a queen size, with a pull-out drawer directly underneath. This nomadic vehicle is equipped with solar panels and a DCDC Charger to keep all of its 4 12v batteries charged. As well as a shore power plug for when it's a bit cloudy and you don't feel like driving around. There is also a 28-gallon fresh water tank which can be put to use through the sink or the spigot installed near the fill point. With a grey water tank at 25 gallons. They both empty the bottom of the van, for convenience and stealth. With just about as many screws as you can see, this is mainly held together by Festool Dominos and Titebond Type 3 Wood glue. A beefy wooden domino-shaped dowel that takes the place of an otherwise squeaky bolt or screw. Ensuring this furniture will hold up to bumpy roads as long as you can hold onto the wheel.

Practically off the factory line with less than 500 mi to the engine. Grab this gem and take it out on an adventure before someone can claim your untold quests.

Contact us for more details, price is flexible and negotiable. Delivery will add miles to the vehicle, but distance isn't an issue by land.

Heater = Webasto 2500 gas-powered heater, temperature controlled. Automatic low gas sensor so it won't run you dry

Fan = Maxx fan deluxe dual-direction, temperature controlled

Electric (Victron)

- Multiplus 3000A ACDC inverter

4 GFCI outlets, 10 USB ports

- Tri smart DCDC Alternator charger

Charge your batteries while driving

- 150/50 Smart solar charger, Renology solar panels

Borrow some of the sun's energy to charge your batteries very quickly

- Cerbo Gx monitoring system

The brains behind the electrical labyrinth

- GX touch display

Bluetooth compatible, as well as remote control of van electronics

-4 Victron LiFePo4 Batteries

12v 100 amp hours each

Pre-assembled metal drawer glides = Moryde latching drawer slides

Blum under-mount tandem full extension drawer glides

Blum Soft-close concealed cabinet door hinges

Tensioned upper cabinets that stay closed and open with ease

Pressurized spigot in the rear along with gauge for water tanks

More pictures

https://drive.google.com/drive/folders/1RGr2dM5GHtm4898w50TDwOCCi3x7IapW

Contact me for more details, or if you've got a van/camper/off-grid design in your head that I can help come to life.

Email me at

gypsyvanz414@gmail.com

Also posted on this site, which offers financing through their website

https://thevancamper.com/post/6336/ram-promaster-3500-for-sale

Financing website for RVs and Boats

https://marinebk.com/borrow/personal-loans/boat-rv

Ebay posting

https://www.ebay.com/itm/364205089899?mkcid=16&mkevt=1&mkrid=711-127632-2357-0&ssspo=4we391NtRzG&sssrc=2349624&ssuid=4we391NtRzG&var=&widget_ver=artemis&media=COPY

[ratefair]

How To Find The Best Mortgage Lenders Edmonton?

And when it comes to buying a new house or deciding to re-finance your current mortgage, the choice of lender is critical. Both cities are major financial centres in Alberta and British Columbia and there is a large number of mortgage loans and professional help. But not all the lenders are the same. Information and advice that will be shared in this blog will focus on how one can get the best mortgages in these two magnificent Canadian cities.

When in Edmonton or Vancouver, it is recommended that you hire the service of an independent mortgage broker not a direct lender. Mortgage brokers deal with several lenders, not only one which makes you gain more options in identifying the right rate and loan. Good brokers will invest their time to understand your financial needs, credit ratings, current debts, and many other factors before advising you. Do not forget to inquire about their experience and qualifications. It is best to get one with more than 10 years of experience in the mortgage industry and possessing extra certifications like AMP (Accredited Mortgage Professional).

Mortgage Lenders Edmonton

It is also important to identify mortgage lenders Edmonton or Vancouver and one that has exceptional communication and customer relations throughout the mortgage process, including the approval, financing, and closing stages. They should be willing and able to respond to your questions promptly via phone, email or face-to-face. Local lenders with long-standing relationships within the community can also be of great assistance to you in the financing process.

Mortgage brokers from Edmonton, members of the Edmonton Mortgage Brokers Association, prove their commitment through accountability and ethics. Brokers in Vancouver are those who have passed through the licensing procedures and are affiliated to the Mortgage Brokers Association of British Columbia and are expected to perform in accordance with certain code of ethics. These associations make borrowers confident that they will secure mortgage solutions.

If you are accompanied by the right broker, getting a loan is as easy as pie. Do not skip a chance to ask the brokers about their experience and the quality of customer service they provide. The mortgage solution expert Vancouver you select should minimize the hassle of financing your Edmonton or Vancouver home purchase or a refinance.

[passiveincomemoney]

Financial Resilience: Overcoming 5 Common Money Problems with Confidence

Financial challenges are a common source of stress and can stem from various issues, such as a low salary or low self-esteem affecting financial decisions. However, many of these problems have practical solutions that can be implemented to improve one's financial situation. Here are five common money issues and strategies to solve them easily.

Insufficient Income: The most apparent cause of financial strain is not earning enough to cover expenses. When it comes to dealing with not having enough personal income, it usually takes more than one solution. You might consider things like furthering your education or learning new skills to boost your chances of landing a better-paying job.

Exploring different job options or starting a side hustle can also bring in extra cash. Plus, managing your money wisely through budgeting and financial planning is key to making ends meet. On a larger scale, policies like increasing the minimum wage, offering social support systems, and fostering job growth can address the issue of low income across society.

Excessive Debt: High levels of debt can be overwhelming, but they can be managed by creating a structured repayment plan. When you're dealing with too much personal debt, it typically takes a mix of tactics to get back on track. One helpful step is to make a thorough budget, which gives you a clear view of your finances and helps you manage them better.

Consolidating your debts with a loan can simplify things, combining multiple payments into one and potentially lowering your interest rates. It's also smart to talk to your creditors; sometimes, they're open to negotiating payment terms or offering relief options like a Debt Management Plan or Individual Voluntary Arrangement. If things are really tough, a Debt Relief Order or bankruptcy might be a last-resort option. Getting advice from financial experts or organizations like Citizens Advice can give you personalized help in dealing with your debt.

Inadequate Savings: Building an emergency fund is crucial for financial stability. When it comes to boosting your savings, there are a few paths you can take. One popular method is the 52-Week Challenge, where you gradually amp up your savings each week, resulting in a tidy sum by year's end.

Another option is the Dollar Savings Challenge, where you stash away a dollar daily, building up that saving muscle over time. Crafting a detailed budget helps, too—keeping tabs on expenses can reveal areas to cut back and save.

Don't forget about tackling debt, especially high-interest ones that can eat into your savings potential. And if you're feeling lost, seeking advice from a financial pro can provide tailored strategies for your situation.

Poor Budgeting: A lack of budgeting can lead to overspending. Track your expenses, categorize them, and set limits for each category. Utilize budgeting apps or tools to stay on top of your finances. Addressing poor budgeting starts with creating a detailed budget to track all income and expenses. It's essential to identify areas where you can cut back, such as unnecessary subscriptions or frequent dining out. Building an emergency fund should be a priority to provide a safety net for unforeseen expenses.

To manage impulse buying, consider the “30-Day Rule,” which involves waiting 30 days before making a non-essential purchase to ensure it's truly needed. Additionally, educating yourself on personal finance principles can significantly enhance your budgeting skills.

Financial Illiteracy: Not understanding financial basics can lead to poor decision-making. Invest time in educating yourself about personal finance, seek advice from financial advisors, and consume reputable financial education content.

Facing financial challenges head-on and taking proactive measures can help you navigate through tough times and pave the way for a more secure financial future. Remember, the key lies in recognizing the problems, strengthening your financial knowledge, seeking available resources, devising an action plan, and tracking your progress.

For those grappling with money-related stress, it's crucial to understand that self-esteem greatly influences financial well-being. Having confidence in your financial decisions can lead to better results and a more positive perspective on personal finances. Therefore, in addition to practical financial strategies, nurturing a healthy self-esteem is equally vital.

[islamicboard]

New Thread: Sadaka/Loan https://www.islamicboard.com/business-amp-islamic-finance/134361698-sadaka-loan-new-post.html?utm_source=dlvr.it&utm_medium=tumblr

[hybridcloudtech]

Loan-to-Value Ratio (LTV) Requirements, How to Calculate LTV in Mortgage

Understanding Loan-to-Value Ratio (LTV) Requirements, and knowing how to calculate LTV in Mortgage is important to homeowners. If you want to buy a house and are getting a loan to help, there are many important numbers to think about, like interest rates, closing costs, and how much debt you have compared to your income. One of the important numbers is called your loan-to-value ratio, or…

[jasmelon]

How To Prepare Your Household Or Business For The Solar Installation

As solar power demand increases, more homeowners and businesses take the initiative to switch to solar. Successful prepping of the property guarantees a flawless and hassle-free installation process. Continue reading to learn some tips to prepare your house before your first solar installation.

Evaluating Your Roof

The roof is the most important area for implementing the solar energy system. Hence, it becomes essential to examine its current condition and capability. Check the age, material and integrity of your roof. Asphalt, metal and tile roofs are suitable for solar rooftops. Angles and obstructions can be, sometimes, complicated and require custom mountings.

In addition to that, experts also encourage assessing your roof's direction and slope. South-facing roofs with a pitch angle between 15-40 degrees provide the best exposure to the sun. With advanced technology, we are still able to get considerable savings even with less-than-perfect conditions.

Upgrading Your Electrical System

Your solar energy company will take an evaluation and will suggest some improvements to make room for solar. Take into account your current electrical usage, panel size, and whether you have proper wiring and circuit breakers.

Many older homes may have panels with 100-amp breakers that cannot handle a solar array. Go for an upgrade which is having a 200-amp service. It provides enough room for your system and future needs. Your Solar Leasing Company in Pakistan or UAE can do a survey and help with any required wiring work.

Solar panels produce DC (direct current) electricity which is subsequently converted to AC (alternating current). This conversion powers your house or company. Talk to your installer about inverter variants and placement.

Improving Energy Efficiency

Before you install solar panels on your property, improving the overall efficiency of your property should be your priority. This, thereby, lessens the load on electric power and enables a smaller, more economical solar set-up.

Critical efficiency enhancements include sealing air leaks, upgrading lighting and appliances, improving insulation, and utilization of smart technologies. This further upgrade enables receiving additional rebates and incentives as well.

Clearing Potential Obstructions

Inspect your roof and property for any obstructions that could impact solar panel performance, such as:

● Shades from trees, buildings, or other structures protect us from hot sun rays.

● Smoke chimneys, exhausts, above-the-roof skylights or machinery on the roof.

Exploring Financing Options

Initially buying solar panels can be high, but further options for financing do exist. A solar lease company enables you to start a solar energy system with a low down payment. You would instead pay a monthly fixed rate for the generated electricity.

The outright purchase is another option, where tax credits, rebates, and other incentives balance off the initial expenditure. A majority of solar providers provide funding alternatives, for instance, no-interest loans and leases.

Research every option available and run a long-term savings calculator to be able to pick out the best option.

Conclusion

Before you start working with solar power, you need to pass inspections and receive permits from the local authorities. Your solar panel company should guide you through this process, which often includes. You need good preparation to be able to succeed in your solar project.

Appraisal of your roof condition, increasing efficiency, and investigating financing options is a good starting point. You can make the transition to renewable energy smooth. Contact a trusted solar provider to begin.

[ratefair]

How To Find The Best Mortgage Lenders Edmonton?

And when it comes to buying a new house or deciding to re-finance your current mortgage, the choice of lender is critical. Both cities are major financial centres in Alberta and British Columbia and there is a large number of mortgage loans and professional help. But not all the lenders are the same. Information and advice that will be shared in this blog will focus on how one can get the best mortgages in these two magnificent Canadian cities.

When in Edmonton or Vancouver, it is recommended that you hire the service of an independent mortgage broker not a direct lender. Mortgage brokers deal with several lenders, not only one which makes you gain more options in identifying the right rate and loan. Good brokers will invest their time to understand your financial needs, credit ratings, current debts, and many other factors before advising you. Do not forget to inquire about their experience and qualifications. It is best to get one with more than 10 years of experience in the mortgage industry and possessing extra certifications like AMP (Accredited Mortgage Professional).

Mortgage Lenders Edmonton

It is also important to identify mortgage lenders Edmonton or Vancouver and one that has exceptional communication and customer relations throughout the mortgage process, including the approval, financing, and closing stages. They should be willing and able to respond to your questions promptly via phone, email or face-to-face. Local lenders with long-standing relationships within the community can also be of great assistance to you in the financing process.

Mortgage brokers from Edmonton, members of the Edmonton Mortgage Brokers Association, prove their commitment through accountability and ethics. Brokers in Vancouver are those who have passed through the licensing procedures and are affiliated to the Mortgage Brokers Association of British Columbia and are expected to perform in accordance with certain code of ethics. These associations make borrowers confident that they will secure mortgage solutions.

If you are accompanied by the right broker, getting a loan is as easy as pie. Do not skip a chance to ask the brokers about their experience and the quality of customer service they provide. The mortgage solution expert Vancouver you select should minimize the hassle of financing your Edmonton or Vancouver home purchase or a refinance.

[getmemortgageny]

R&J Capital Mortgage & Loan Brokers: Pioneering Home Financing in NY

R&J Capital Mortgage & Loan Brokers of NY are your go-to experts for home financing in the vibrant New York real estate market. With a commitment to personalized solutions and competitive rates, R&J Capital simplifies the homebuying process, making your dreams of homeownership in the Empire State a reality. Trust in their experience and dedication to secure the best mortgage or loan options for your unique needs.

[purpleloveenthusiast]

HDFC Ltd-HDFC Bank merger: What differences home loan borrowers should know before shifting from MCLR to ELBR? - BusinessToday

https://www.businesstoday.in/amp/personal-finance/top-story/story/hdfc-ltd-hdfc-bank-merger-what-differences-home-loan-borrowers-should-know-before-shifting-from-mclr-to-elbr-394842-2023-08-21

[empresa-journal]

Can Amp (AMP) make money from Collaterialization?

Amp (AMP) is a decentralized finance (DeFi) they built for collaterialization. Collaterialization is the process of using assets as collateral for lending and credit. They claim Amp can instantly verify assets for lending and other DeFi applications. For example, Amp could verify that a borrower has USD Coin (USDC) in her wallet when approving a loan. Thus, Amp is an extensible platform that…