Real estate investing – Talktalk China http://talktalkchina.com/ Wed, 29 Jun 2022 14:37:56 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://talktalkchina.com/wp-content/uploads/2021/10/icon-2-120x120.png Real estate investing – Talktalk China http://talktalkchina.com/ 32 32 According to a new survey, 81% of hourly workers say record gas prices are having a negative effect on their ability to pay for other expenses https://talktalkchina.com/according-to-a-new-survey-81-of-hourly-workers-say-record-gas-prices-are-having-a-negative-effect-on-their-ability-to-pay-for-other-expenses/ Wed, 29 Jun 2022 14:09:21 +0000 https://talktalkchina.com/according-to-a-new-survey-81-of-hourly-workers-say-record-gas-prices-are-having-a-negative-effect-on-their-ability-to-pay-for-other-expenses/ LordHenriVoton/Getty Images 41-year high inflation and soaring gasoline prices are wreaking havoc across the country. Now, a new survey shows American hourly workers are the hardest hit by these challenges, with 81% saying record high prices at the gas pump have had a negative effect on their ability to pay for other expenses. Stimulus Update: […]]]>

LordHenriVoton/Getty Images

41-year high inflation and soaring gasoline prices are wreaking havoc across the country. Now, a new survey shows American hourly workers are the hardest hit by these challenges, with 81% saying record high prices at the gas pump have had a negative effect on their ability to pay for other expenses.

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The new Harris Poll, commissioned by DailyPay and Funding Our Future, has found that these financial hardships hit some communities more than others.

“Unfortunately, this is not surprising at all. Recent data shows that 49% of Americans do not have enough money to cover a $400 emergency,” Jeanniey Walden, chief innovation officer at DailyPay, told GOBankingRates. “With so many people living paycheck to paycheck, any dramatic increase in the cost of daily expenses will be detrimental. With the recent spike in gas prices and inflation, hourly workers must either cut back on their expenses or resort to potentially financially crippling options such as payday loans or bank account overdrafts to reach two ends.

The survey found that 75% of hourly workers have struggled to pay their expenses this year. At the top of the list are groceries, gas, utilities, and rent/mortgage.

Walden said it was surprising those numbers weren’t higher.

“Most hourly workers drive to work, and gas prices have seen the biggest increase – by almost 50% – with other necessities such as groceries up around 12% “, she said. “The average American family now spends almost $330 more per month than last year, according to Moody’s Analytics. This trend will likely continue depending on the macroeconomic and geopolitical backdrop, including global supply chain challenges and the war in Ukraine.

Compounding these difficulties, 35% of all hourly workers report having received no pay raise in the past year, a figure that rises to 49% for hourly workers in households earning less than $50,000 a year. year.

There is also a gender gap in how it affects women, with 39% saying they save less than last year, compared to just 28% of men.

“Women face additional financial burdens that may prevent them from saving, compared to men, which have only been exaggerated during the pandemic,” Walden said. “The cost and responsibility of childcare has fallen disproportionately on women during the pandemic, forcing many out of the workforce altogether.

In turn, the survey notes that these issues take a huge toll on employee well-being, with 77% saying the stress of managing finances is detrimental to their health.

“With such a tight job market, employee retention is a challenge for almost every business. Engaged employees who feel valued are more productive, less stressed, and stay on the job longer,” Walden said.

Asked what employers can do to alleviate this stress, Walden said that “a great way for employers to strengthen their commitment to their employees is to provide benefits that make a difference in their lives, including childcare. children, commuting allowances, carpooling incentives, pet insurance, and over-demanding compensation.

Finally, the survey found that 40% of hourly workers with a household income of less than $100,000 say they save less than last year or not at all, compared to 31% of hourly workers with a household income of less than $100,000. household is $100,000 or more.

Walden said, however, that with the right tools and knowledge, savings can still be made, despite inflation and rising prices everywhere. She offered some tips, including creating a decision matrix.

“Your decision matrix should list the pros and cons of making your decision in the near term — meaning within the next three months, six months, and a year from now,” she explained. . “Set a budget and stick to it. Be wise about how you spend your money. Avoid costly and unnecessary purchases. When buying property, go for the affordable option.

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She also recommends signing up for an automated savings program through your bank or pay-as-you-go provider.

“Set a savings goal. As you continue to earn more money throughout your career, be sure to increase your contributions to your savings. When you set a goal, it’s easier to remember to save and stick to it,” she added.

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About the Author

Yael Bizouati-Kennedy is a full-time financial journalist and has written for several publications, including Dow Jones, The Financial Times Group, Bloomberg and Business Insider. She has also worked as a VP/Senior Content Writer for major New York-based financial firms, including New York Life and MSCI. Yael is now independent and most recently co-authored the book “Blockchain for Medical Research: Accelerating Trust in Healthcare”, with Dr. Sean Manion. (CRC Press, April 2020) She holds two master’s degrees, including one in journalism from New York University and one in Russian studies from Toulouse-Jean Jaurès University, France.

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Sketchy ads on TikTok encourage high-interest payday loans https://talktalkchina.com/sketchy-ads-on-tiktok-encourage-high-interest-payday-loans/ Sun, 26 Jun 2022 14:30:57 +0000 https://talktalkchina.com/sketchy-ads-on-tiktok-encourage-high-interest-payday-loans/ A group of secret TikTok advertisers are using sketchy tactics to push massive loans that experts say could violate misleading advertising laws, The Post has learned. Some of the ads tease “almost instant” five-figure deposits despite bad credit, while others seem to imply they’re part of government “inflation programs” and use the logos of news […]]]>

A group of secret TikTok advertisers are using sketchy tactics to push massive loans that experts say could violate misleading advertising laws, The Post has learned.

Some of the ads tease “almost instant” five-figure deposits despite bad credit, while others seem to imply they’re part of government “inflation programs” and use the logos of news organizations like CNN.

Cash-strapped borrowers who click on links in many advertisements are asked to provide sensitive personal information, including their social security and bank account numbers.

“At best, these videos are designed to make you give up information you shouldn’t be giving away, which will lead to more solicitations,” John Breyault, vice president of the National Consumer League advocacy group, told The Post. “At worst, this is a complete scam designed either to take your money or information for fraudulent purposes.”

A typical TikTok loan ad opens with a photo of the words “US Government Inflation Program 2022” on a video from the US Capitol.

Some advertisements appear to imply that they are part of the government’s “inflation programs”.
ICT Tac

“The US government’s inflation program helps Americans get a loan, even with bad credit,” a voiceover says in somewhat broken English. “You can get up to $50,000 by filling out a simple form.”

The ad then cuts to a shot from the point of view of a person holding stacks of hundred dollar bills in a car.

“I use my money to cover my bills, fill up on gas for the rest of the year, and cover my medical needs,” the voiceover says. “Click the link below, fill out the form in as little as 60 seconds and see how much you can get. Thank me later.”

People who click on the link, which leads to a site called “Lavish Finances”, are asked to fill out forms with personal information, including bank details, social security numbers and addresses.

Lavish Finance says it then passes applicants’ information to lenders, who can respond with loan offers with annual interest rates of up to 35.99% for terms of up to four years. If someone were to take out a loan under the sites maximum terms – $50,000 repaid at 35.99% APR over four years – the user would ultimately be liable for more than $137,000.

Tik Tok Logo
Experts say the sketchy tactics of TikTok advertisers to push massive loans could run afoul of the law on misleading advertising.
Reuters

Breyald said the loans advertised by Lavish Finance and similar sites are “terrible” for the vast majority of consumers.

“35.99% APR is higher than some of the highest credit card loans,” he said.

Breyault and Bartlett Naylor, a financial policy advocate with consumer rights group Public Citizen, said the ads risked violating Federal Trade Commission rules on misleading advertising.

@Loanssy TikTok announcement for a loan
Other advertisements use the logos of news organizations like CNN.
ICT Tac

“If it is implied that it is a government program and you click on it and it is not a government program, my advice is: you are being scammed,” Naylor said, advising people to “stay away” and calling on TikTok to take a tougher line against people. loan announcements.

After The Post contacted TikTok to comment on the ads from Lavish Finances and other companies, the social media site removed them over violations of its advertising policies, which prohibit “misleading, inauthentic and deceptive behavior”.

“Advertisers and ad content must follow our Community Guidelines, Advertising Guidelines, and Terms of Service, and content that violates these guidelines will be removed,” a TikTok spokesperson told The Post.

When The Post emailed the only email address available on the Lavish Finances website for comment, messages bounced back. A phone number listed on the site went directly to a voicemail, which was full. The Lavish Finances site lists the address of a building in Dover, Del., which sells “virtual office services” for $50 per month.

The FTC said it does not comment “if it is investigating a specific company, individual, or business practice.” The agency has not announced any action against any of the sites mentioned in this article, but it Is frequently prosecute The companies, according to the agency, falsely claim to be affiliated with the US government.

Lavish Finances is far from the only advertiser to use questionable techniques on TikTok. An ad that links to a site called PersonalLoanPro shows what appears to be a fake CNN segment. It flashes “BREAKING NEWS” that “AMERICANS CAN NOW CLAIM UP TO $50,000”.

“They’re showing it again,” a man says, pointing to a television showing the segment. “That’s how I got my money.”

The camera then pans to the man’s face as he says: ‘A new benefit was just released last week allowing Americans to claim up to $50,000. You don’t need a credit history at all — no bank requirements. I did it myself and made $8,000 in two days.

A similar Facebook version of the video was slap with a ‘false news’ warning in May – but as of mid-June it was still being advertised on TikTok without any disclosure.

@Loanssy TikTok announcement for a loan
Some lending sites ask users to enter sensitive information, including their social security number.
ICT Tac

Other advertisements related to PersonalLoanPro feature various narrators gushing about receiving money through the site. In one, the text “I got $45,000 almost instantly” appears onscreen as a female narrator walks up to a man and says, “Baby, where did you get all that money ? »

The man shows an online bank account on his phone and says, “That’s really crazy. I just got a $45,000 loan and it’s already in our bank account.

In another ad, a male narrator sitting in a car brandishes wads of hundred-dollar bills and raves that a loan is the “last-minute miracle I desperately needed.”

Like Lavish Finance, PersonalLoanPro asks people to enter sensitive information, including their social security numbers. He says he will then refer them to lenders who can offer them loans with interest rates of up to 35.99% APR on terms of up to 15 years.

“They basically say something like, ‘Nobody else knows, I wish I knew sooner’ — and they show you stacks of cash,” Breyault said. “It’s laughable at first glance, but it’s a common tactic.”

PersonalLoanPro’s site says it’s owned by a Durango, Colorado-based company called On The Barrelhead. Email inquiries sent to both PersonalLoanPro and On The Barrelhead went unanswered, while a call to an On The Barrelhead site phone number went straight to voicemail.

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CFPB Bites of the Month – Top 10 of June | Hudson Cook, LLP https://talktalkchina.com/cfpb-bites-of-the-month-top-10-of-june-hudson-cook-llp/ Fri, 24 Jun 2022 13:41:45 +0000 https://talktalkchina.com/cfpb-bites-of-the-month-top-10-of-june-hudson-cook-llp/ In this month’s Top 10 article, we share some of our best “bites” from the previous month covered in the June 15 webinar. So what happened at the CFPB last month? Bite #10 – The CFPB has bolstered state law enforcement efforts. The CFPB issued an interpretative rule regarding state efforts to prosecute organizations and […]]]>

In this month’s Top 10 article, we share some of our best “bites” from the previous month covered in the June 15 webinar.

So what happened at the CFPB last month?

Bite #10 – The CFPB has bolstered state law enforcement efforts.

The CFPB issued an interpretative rule regarding state efforts to prosecute organizations and individuals who allegedly violated federal consumer financial protection laws. The interpretative rule affirms that states can apply consumer financial protection law to pursue claims and actions against a wide range of entities. It also indicates that the CFPB’s enforcement actions do not put an end to these state actions. The CFPB also said it plans to consider other measures to promote state enforcement of federal consumer financial protection laws, including ways to facilitate redress for victims.

Bite #9 – The CFPB and New York AG shut down a debt collection organization.

The CFPB, in partnership with the New York Attorney General, has filed a proposed stipulated judgment in federal court to settle a case against a debt collection company and its owners and officers. Together, the company purchased delinquent consumer debt from personal loans, payday loans, credit cards and other sources. The CFPB and the New York Attorney General alleged that the company deceived and harassed consumers, violating the Fair Debt Collection Practices Act and the Consumer Financial Protection Act. The complaint alleges that the owners, managers and businesses used the following illegal tactics to collect the debts:

  • Falsely threatening to be arrested and imprisoned,
  • Lying about a lawsuit,
  • Inflated and misrepresented amounts due,
  • Create “smear campaigns”,
  • Harassing people with repeated phone calls, and
  • Failure to provide legally required information.

The proposed stipulated judgment will require companies, along with their owners and managers, to exit the debt collection market. The defendants must also pay a $2 million fine to the CFPB, which will be deposited into the CFPB’s victim relief fund, and a $2 million fine to the New York Attorney General. If the defendants fail to make the payments in a timely manner, the amount of each penalty will increase to $2.5 million.

Bite #8 – The CFPB has set up its Competition and Innovation Office.

The CFPB announced the opening of an office, now called the “Competition and Innovation Office”, as part of a new approach to fostering innovation and competition. The office will replace the ‘Innovation Office’, which opened in 2018 and had replaced Project Catalyst, launched in 2014. The CFPB says the new office will support broader analysis of barriers to open markets , better understand how big players “squeeze out” small players, organize incubation events and generally facilitate the change of financial services provider. As part of this change, the CFPB also encourages companies, start-ups as well as members of the public to file regulatory petitions asking for clarity on particular rules.

Bite #7 – The CFPB explains non-banking supervision.

Recently, the CFPB announced that it will begin using a provision of the law to supervise a wider range of non-bank financial companies. Then last month, the CFPB shared a post explaining what “non-banking supervision” means. According to the CFPB, a CFPB exam is similar to a state exam. The CFPB says that before a review, the entity under review will be told what the CFPB will be focusing on, and companies are often asked to show records or provide data so reviewers can assess compliance.

Bite #6 – The CFPB says deleting payment data can be harmful.

The CFPB announced that it had sent letters to CEOs asking them to explain the accuracy of consumer payment information reported to consumer reporting agencies. According to recent CFPB research, about half of the largest credit card companies provide accurate data to credit reporting companies on borrower monthly payment amounts. Several of the largest credit card companies have removed information about the actual payment amount that they had previously provided or provided to consumers. The CFPB said removing information about the actual payment amount may impact consumers’ ability to access credit at the most competitive rates.

Bite #5 – The CFPB approaches credit models using algorithms.

The CFPB published a Circular on consumer financial protection meet adverse action notification requirements under the Equal Credit Opportunity Act (ECOA). The CFPB confirmed that federal anti-discrimination law requires companies to explain specific reasons for taking adverse action, even when relying on credit models using complex algorithms. The CFPB encouraged technicians to provide information and to visit the CFPB Whistleblower Program webpage to learn more.

Bite #4 – CFPB Supervisory Highlights targets credit dispute responses.

According to the recent CFPB Supervisory Highlights, reviewers found that credit card companies were sending unclear notices to consumers at the end of dispute investigations. The CFPB noted that the Fair Credit Reporting Act (“FCRA”) requires providers to conduct reasonable investigations into disputes and then “report the results of the investigation to the consumer” generally within 30 days, addressing the specific information required by the FCRA. After the CFPB reviews, some credit card providers revised their notices to comply with the FCRA.

Bite #3The CFPB has terminated a no-action letter issued by the previous administration.

On April 13, 2022, a loan originator notified the CFPB that it intended to add a significant number of new variables to its underwriting and pricing model, and requested termination of its previous “letter of no -action” of the CFPB. As requested by the company, the CFPB has terminated the 2020 “No Action Letter”, effective immediately. The CFPB had granted the originator a “letter of no action” in September 2017 and a second letter in November 2020. The CFPB had immunized the lender against claims under the Fair Lending Act regarding its algorithm for subscription, while the “letter of no action” remained in effect. Under the terms of the 2020 “No Action Letter”, the CFPB had required the lender to notify the CFPB of material changes to its “artificial intelligence” model before they were implemented.

Bite #2 -Te CFPB sought to ban a student loan owner.

The CFPB has sued the owner of a student debt relief company for allegedly withdrawing hundreds of thousands of dollars from the bank accounts of student borrowers, without authorization. The CFPB alleged that the company took funds from consumers, without their knowledge or consent, after obtaining their data from a company closed by the CFPB in 2016. The proposed settlement will require the payment of a fine $175,000 to stop participating in debt relief and other activities.

Bite #1The CFPB has launched an initiative to improve customer service in major banks.

The CFPB is invited to give its opinion to the public on how bank customers can assert their rights to better customer service with the big banks. The Information request (RFI) asks what information would be useful for consumers to obtain from their bank. Specifically, the CFPB would like information on the following:

  • What information do people request from their bank and how do they use this information?
  • What information can consumers currently not obtain from their bank?
  • Does the way a person contacts their bank make a difference in their ability to get information?
  • Are there any customer service barriers that impede their ability to bank?
  • Is there value in banks disclosing who they share account information with, or compensation they can receive for sharing that information?
  • What do bank customers experience in terms of wait times, disconnected calls, the ability to speak to a person at a specific location, or the quality of answers to questions?

Public comments will inform future policy directions and other initiatives regarding the rights set out in Section 1034(c). The deadline for submitting comments is 30 days after publication in the Federal Register.

Reports too. Besides all these Bites, the CFPB published a report on the Financial well-being in America and the Office of Military Affairs Annual Report.

Always hungry?

Join us for our next CFPB bites of the month: Camp CFPB on July 20. If you missed any of our previous bites, request a replay on our site.

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Why McCarthy Law PLC in Scottsdale, AZ is expanding its partnership https://talktalkchina.com/why-mccarthy-law-plc-in-scottsdale-az-is-expanding-its-partnership/ Tue, 21 Jun 2022 17:48:16 +0000 https://talktalkchina.com/why-mccarthy-law-plc-in-scottsdale-az-is-expanding-its-partnership/ Scottsdale, AZ: The road to debt relief can be long and frustrating, which is why McCarthy Law PLC is ready to help clients achieve successful debt settlement much sooner to unlock a brighter future. The BBB accredited firm McCarthy Law PLC fights for the little guy by clearing debt and restoring credit. Debt settlement attorneys […]]]>

Scottsdale, AZ: The road to debt relief can be long and frustrating, which is why McCarthy Law PLC is ready to help clients achieve successful debt settlement much sooner to unlock a brighter future. The BBB accredited firm McCarthy Law PLC fights for the little guy by clearing debt and restoring credit. Debt settlement attorneys can help clients settle their debts for a fraction of the amount owed, avoid bankruptcy (chapters 7, 13 and more), and ensure they move on with their lives undisturbed by the burden debt. The firm has added attorney Jacob Hippensteel to its growing number of partners.

McCarthy Law PLC has defended numerous clients involved in credit card lawsuits and ensured the protection of their interests. Other areas of interest include resolving credit report errors and employment law issues. Lawyers can correct credit report errors free of charge and protect clients involved in labor disputes. The general counsel and contact person for the firm is Kevin McCarthy.

As solicitor Jacob Hippensteel joins McCarthy Law PLC as a partner, he will retain his designation of Director of Litigation, which involves overseeing litigation. He will also continue to serve the firm’s executive group by providing legal counsel and advice on business matters. Prior to the new appointment, Attorney Jacob served as an associate attorney for six years. While working as a lawyer, he represented clients at various levels of litigation, including Court of Appeals, jury trials and court hearings. During his tenure at McCarthy Law PLC, attorney Jacob earned much acclaim and respect.

Lawyer Jacob received an engraved Breitling Superocean Heritage watch as a token of appreciation upon his induction as a partner. By joining the elite team of debt settlement lawyers, Jacob has successfully represented numerous clients struggling with debts, credit report errors and wrongful termination obtaining a stay in the halls of justice. The attorney is a dedicated member of the National Association for Consumer Advocates and has been on the Southwest Super Lawyer Rising Star list since 2019. He is licensed to practice law in Arizona and several U.S. district courts. With this new partnership, the firm is pleased to take the team sport approach to pursuing justice.

McCarthy Law PLC’s debt settlement process is simple and straightforward. Clients can start the process by requesting a no-obligation phone consultation, speaking with the lawyer about their current situation and discussing practical options. The firm also helps clients resolve issues regarding student loans, mortgage debt, unfair debt collections, SBA loans, credit repair, and payday loans.

To speak to the experienced attorneys at McCarthy Law PLC, call 866-777-0748. The law office is located at 4250 N Drinkwater Blvd Suite #320, Scottsdale, AZ, 85251. Live chat service is also available.

Media Contact

Company Name
McCarthy Law PLC
Contact Name
Kevin McCarthy
Call
866-777-0748
Address
4250 N Drinkwater Blvd Suite #320
Town
Scottsdale
State
A-Z
Postal code
85251
Country
United States
Website
https://mccarthylawyer.com/

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Amy wanted to get rid of 34HH boobs until she found OnlyFans and made £40,000 in a month https://talktalkchina.com/amy-wanted-to-get-rid-of-34hh-boobs-until-she-found-onlyfans-and-made-40000-in-a-month/ Sun, 19 Jun 2022 13:20:59 +0000 https://talktalkchina.com/amy-wanted-to-get-rid-of-34hh-boobs-until-she-found-onlyfans-and-made-40000-in-a-month/ A woman who wanted a cut to stop people staring at her 34HH boobs is now earning £40,000 a month on OnlyFans and has paid off her family’s total debt of £130,000. Amy Sophia, 27, from Leeds, was so insecure about her ‘huge boobs’ that she used to try to hide her figure in baggy […]]]>

A woman who wanted a cut to stop people staring at her 34HH boobs is now earning £40,000 a month on OnlyFans and has paid off her family’s total debt of £130,000. Amy Sophia, 27, from Leeds, was so insecure about her ‘huge boobs’ that she used to try to hide her figure in baggy jumpers or tight clothes that would ‘crush’ her chest.

When she went clubbing with friends, she says strangers made comments and looks that depressed her. “Usually when I went to clubs or out in public, it was the women who would tell me to ‘put it away’ because their boyfriends were looking at me,” Amy said.

“I usually ignore it, but I once got kicked out of a nightclub for flashing this girl who told me to cover up. I was just fed up. I have such bad posture from the way I was always leaning forward to hide my breasts because when I kept my back straight it made them even more prominent and I hated that attention.

“Now the looks and comments don’t bother me anymore. I know they’re just jealous or they have body issues, they’re obviously not happy in their own skin.

Amy was working five days a week as a spa therapist earning £8.50 an hour when she decided to set up an OnlyFans page in October 2019. She says the site gave her confidence and helped her embrace her curvy figure.

When she joined she was saddled with debts of £30,000 from payday loans. Amy said: “I’ve always wanted a champagne lifestyle on a Coca Cola budget. I went on vacation abroad and always bought new clothes.

“Because of the high interest rates on payday loans, I was stuck in a vicious circle. Then there was a buzz around this new site, OnlyFans, and something just told me to do it. for money.

“I knew my boobs were getting attention so I decided to use them to my advantage instead of hiding. In my first month I made £7,000 which was insane.

“Every month it was increasing – my best month of income was £150,000, but I average around £40,000 now.”

As well as paying off her own debt of £30,000, Amy was also able to help her parents pay off a combined debt of nearly £100,000. She said: “Helping my family out of debt was the first thing I did with the money.

“It took me about four or five months before I started winning big before I could do it. Mom was so grateful. She’s fully supportive of what I’m doing and always has been from the start.

“The people who are important to me in my family have supported me and that’s all that matters. I’m so lucky to have such an understanding family behind me. I love them so much.”



Amy Sophia (Press Jam)
Amy Sophia (Press Jam)

As a teenager, the model’s figure “changed overnight” as she struggled to embrace her curvy new figure. She said: “I woke up one day when I was about 15 and it’s almost like my boobs just grew overnight, they were huge.

“I slowly started to dislike them as they got bigger and bigger. I felt like I had a hard time hiding them and people looked at me a lot. I avoided certain exercises at the gym and I had trouble buying clothes because they didn’t suit me or I was worried that everything would look too slutty.

At 23, she went to see a doctor about breast reduction, but the details of the operation were so daunting that Amy took longer to think about it. She said: “I was sick of the attention, of the men watching.

“I couldn’t enjoy shopping and buying nice clothes. I also felt like my big chest made me look fat because it hid my shape in the clothes.



Amy Sophia (Press Jam)
Amy Sophia (Press Jam)

“I learned how serious a reduction is a procedure, so I took my time to think about it. But during this time of reflection, I discovered Only Fans.

“That’s when I started kissing them. The positive attention has really changed my mindset.

“I realized that a lot of guys there love my boobs and now they are my sources of money.”

Amy likes to spend her earnings on clothes, fine dining and luxury travel – and has been to Mexico, the Maldives, Rome, Thailand, Las Vegas and all over Europe. She also had a Brazilian butt lift to further enhance her figure.

The model added, “I’ve always wanted beautiful things and to do the beautiful things in life. Now I can live the life I always dreamed of and wanted so badly.

“I do what I do for the money, which gives me freedom and freedom is everything to me.”

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Boston may have another 24-hour adult play center https://talktalkchina.com/boston-may-have-another-24-hour-adult-play-center/ Fri, 17 Jun 2022 09:32:18 +0000 https://talktalkchina.com/boston-may-have-another-24-hour-adult-play-center/ An adult gaming center is offered in the empty premises of the Cash Generator payday loan store in Boston. Chongie Entertainment Ltd is applying for a change of use permit for the business in the High Street. The business would operate 24/7 and customers must be over 18 years old. The Boston Borough Council bid […]]]>

An adult gaming center is offered in the empty premises of the Cash Generator payday loan store in Boston. Chongie Entertainment Ltd is applying for a change of use permit for the business in the High Street. The business would operate 24/7 and customers must be over 18 years old.

The Boston Borough Council bid follows a separate bid by Merkur Slots UK Ltd to open an adult gaming center in the former Clarks shoe store in Strait Bargate. JMS Planning & Development Ltd, said in a statement in support of the change of use application for the Cash Generator store which has been vacant since last August: “Chongie Entertainment Ltd is a new entrant to the UK cash center market. adult games.

“The company operates to the highest standards and is fully aware of its social responsibilities in relation to gambling issues which it takes very seriously. The application is to bring a vacant unit back into service in the city center and the Conservation Area. Other benefits include improving the vitality and liveability of downtown Boston as well as creating up to eight new jobs.”

Read more:The mysterious sinkhole saga in the Lincolnshire town

The planning statement adds that the store would be known as Little Vegas but will not have fixed odds betting terminals. He specifies: “The proposed use is quite different from the games rooms found “on the front” in seaside resorts in terms of appearance, equipment, clientele and impact.

“There would be no ‘amusement only’ machines such as video games and pinball machines which are intentionally loud to make them more appealing to a young clientele. The premises will be fully enclosed, discreet and ‘like a store’ and the effect and will be complementary in this downtown location

“The premises will be carpeted and laid out in an attractive manner. The storefront will incorporate a display to attract the interest of passers-by. The display can be compared favorably to those of many businesses and non-commercial uses. The characteristics of the proposed use make it perfectly suited to the proposed location.

“The adult gaming center will contain slot machines, which are subject to a strict legal code regarding payment. MCOs have never been allowed to use fixed odds betting terminals, which were once allowed in Overall, the proposed use would re-establish an active frontage on this part of the High Street and bring vacant housing back into use.

“The proposed AGC use will operate 24 hours a day, seven days a week, providing downtown activity supporting the evening and nighttime economy, in accordance with local plan policies.”

The company offers customers the option to self-exclude for set periods of time if players feel their game is spiraling out of control. Staff are also trained to spot signs of problem gambling, to engage with the customer and to follow up, for example by offering the option of self-exclusion.

Linda Taylor, 70, a retired agricultural trader, of Fishtoft, opposes the development application at 9 High Street. She said: “I am horrified. We already have too many adult gaming centers and similar premises in the town centre. The council told me there are currently four adult gaming centres, nine bookmakers and a bingo hall.

“The bookmakers also have slot machines and I’m told they are a very good income for the bookmakers. There are a number of empty stores in Boston, but I think you have to be careful what they contain, rather than just having the store Look where this latest adult game center is offered.

“Tourists come to take pictures of the White Hart Hotel, the river, the Stump and the city bridge at this location. They see what used to be Cash Generator and what will be an adult play center.”

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Cost of living crisis: Glasgow 4th hardest hit city in UK https://talktalkchina.com/cost-of-living-crisis-glasgow-4th-hardest-hit-city-in-uk/ Thu, 09 Jun 2022 09:30:27 +0000 https://talktalkchina.com/cost-of-living-crisis-glasgow-4th-hardest-hit-city-in-uk/ Glasgow residents are among the hardest hit in the UK by the cost of living crisis, a study has found. Register to our GlasgowWorld Today newsletter Food, energy and fuel prices have all skyrocketed in recent months, leaving people struggling with ever-larger bills and leading them to seek cost-cutting measures. A study was carried out […]]]>

Glasgow residents are among the hardest hit in the UK by the cost of living crisis, a study has found.

Register to our GlasgowWorld Today newsletter

Food, energy and fuel prices have all skyrocketed in recent months, leaving people struggling with ever-larger bills and leading them to seek cost-cutting measures.

A study was carried out using search engine data from the last three months of search engine tools Ahrefs, Google Keyword Planner and KWFinder, looking at key terms such as energy price cap, payday loans, money savings and the cheapest energy supplier.

Register to our GlasgowWorld Today newsletter

This data was then analyzed and ranked based on the combined number of searches for all key terms. These data were then classified.

The most popular

How well do you know Glasgow?

Glasgow was the 4th most affected area in the UK, with searches for same day loans being the 3rd most searched term in the whole of the UK. Other Scottish cities feeling the effect of the cost of living are Aberdeen 7th and Edinburgh 22nd.

Analysis of the data showed that people in Manchester are struggling with the cost of living more than anyone else in the UK. With 2,200 people looking for payday loans per month, 210 searches for energy price caps and 310 people looking for the cheapest energy suppliers, Manchester emerged as the worst affected area in the UK according to of the size of its population.

Newcastle was the second most affected city and, with its small population compared to other cities and towns, it had one of the highest numbers of payday loan searches in the study. With 1000 people a month looking for quick ways to get cash and cover unexpected expenses.

People in Leeds were the 3rd worst hit place in the UK when it comes to the cost of living crisis. Leeds had one of the highest numbers of people seeking information about the energy price cap, as well as people looking to switch energy providers for the cheapest service.

Newport, Cardiff and the London Borough of Brent were the least affected areas with the fewest people searching online for information on energy price caps, fast loans, ways to save money and information on the cheapest energy suppliers.

A spokesperson for pink storage commented on the findings: “The cost of living is a concern for most of us. By analyzing online search behavior, we can see how people are trying to make ends meet.

“If wholesale energy prices remain high, we can expect further increases in energy prices and, as a result, online search behavior of internet users will reflect this.”

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Nova Scotia UARB Cuts Payday Loan Interest Rates https://talktalkchina.com/nova-scotia-uarb-cuts-payday-loan-interest-rates/ Tue, 07 Jun 2022 17:53:30 +0000 https://talktalkchina.com/nova-scotia-uarb-cuts-payday-loan-interest-rates/ A payday lender on Wyse Road in Dartmouth on Tuesday. Photo: Zane Woodford Payday lenders will get a smaller share of Nova Scotians’ checks later this year. In a decision released Tuesday, the provincial Utilities and Review Board (UARB) lowered the maximum interest such lenders can charge from $19 on a $100 loan to $17, […]]]>

A payday lender on Wyse Road in Dartmouth on Tuesday. Photo: Zane Woodford

Payday lenders will get a smaller share of Nova Scotians’ checks later this year.

In a decision released Tuesday, the provincial Utilities and Review Board (UARB) lowered the maximum interest such lenders can charge from $19 on a $100 loan to $17, effective Sept. 1. As of January 1, 2024, this number will drop. again, at $15.

Currently, Nova Scotia’s maximum is the second highest in Canada, with Newfoundland and Labrador capping interest at $21 on a $100 loan. Saskatchewan and Manitoba provide $17 per $100. At $15, Nova Scotia would equal British Columbia, Alberta, Ontario, Prince Edward Island and New Brunswick.

The move to $15 per $100 will raise the annual interest rate down approximately 390% (assuming a two-week term). If that rate sounds criminal, that’s because it is, but payday lenders in Canada are exempt from the Criminal Code provision interest capped at 60% per annum.

Nova Scotia was the first province to regulate payday loans, and the UARB first held a public hearing on the loans in 2008, choosing to set interest at $31 per $100 (about 800% per year). Since then, he has periodically reviewed the regulations, each time reducing the interest. Most recently, he held a hearing in 2018 and lowered the interest to $19 per $100.

In his decisiona panel of three council members – vice-chair Roland Deveau and members Richard Melanson and Jennifer Nicholson – summarized a hearing held in March 2022, when the council heard from members of the public, consumer advocates and payday loan industry representatives.

These representatives argued that lower rates would eliminate the payday loan industry. Patty Ko, a lawyer for the Canadian Consumer Finance Association (CCFA, formerly known as the Canadian Payday Loan Association), argued that the pandemic has already had a significant effect on the industry.

“Given the significant negative impact of the COVID-19 pandemic, she advised that now was not the time to make significant changes and urged that the maximum cost of borrowing of $19 per 100 $ be maintained,” the board wrote.

Patrick Mohan, president of the Canadian Association of Independent Payday Lenders, said rates should go up.

“Mr Mohan suggested that instead of lowering or maintaining the current maximum cost of borrowing, it should be increased to allow smaller operators to offer their product,” the council wrote.

“While his presentation provided anecdotal evidence, there was no verifiable data or expert opinion evidence to support the proposition that the maximum cost should be increased. The Council rejects this proposal.

The pandemic has led to a decrease in payday loans issued and repeat customers, but the board noted there was an increase in the percentage of default.

“The data shows, for the pre-COVID period, a decline in the number of loans from 2015 to 2019 of around 8%, although the decrease in the total value of loans was only around 3%”, wrote the board. “The data further indicates that the number of different companies offering payday loans in Nova Scotia and the number of retail outlets remained stable from 2017 to 2021, despite a reduction in the maximum cost of borrowing and a pandemic.”

The board ruled there was no reason Nova Scotia lenders couldn’t make a living charging the same rates as most countries.

“The CCFA has provided no evidence, or satisfactory explanation, as to why this would not be the case,” the board wrote. “While there are undoubtedly regional differences in overall population, demographics, income and other financial criteria, the consumer profile of the product should, due to the nature of the product, be relatively similar across the country. The industry as a whole should be able to serve this demographic at relative parity with the rest of the country.

Although it did not side with industry, the council wrote that it was considering the impact of the pandemic on business.

“Without the impact of the COVID-19 pandemic, the board would have been inclined to immediately move to the maximum cost of borrowing of $15 per $100,” the board wrote. “The Board is of the view that a phased approach to reducing the maximum cost of borrowing, to a level where Nova Scotia consumers enjoy the same rate protection afforded to most other countries, is reasonable in the circumstances.”

The board also reduced the maximum interest rate on post-default arrears to 30% from 60%, and left the default penalty at $40, the highest in the nation.

The council noted that many members of the public had called on it to abolish payday loans altogether or adopt regulations similar to those in Quebec, where a 35% annual interest cap effectively ended the practice. .

The council endorsed the provincial government’s position on this issue, stating that “the elimination of the regulated payday loan industry in Nova Scotia would reduce the short-term credit options available to consumers.”

“It would also increase the presence of unscrupulous and unregulated lenders, especially unlicensed online lenders, which could lead to the unfortunate consequences of innocent borrowers accessing such unregulated loans over the internet,” the council wrote.

The board will then review payday loan rates in three years, unless “a critical issue comes to the attention of the board in the interim.”


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The Weekly Authority: 📱 Pixel Prototype https://talktalkchina.com/the-weekly-authority-%f0%9f%93%b1-pixel-prototype/ Sun, 05 Jun 2022 05:36:05 +0000 https://talktalkchina.com/the-weekly-authority-%f0%9f%93%b1-pixel-prototype/ ⚡ Welcome to The weekly authoritythe Android Authority newsletter that breaks down the top Android and tech news of the week. 197th edition here, with this Pixel 7 prototype, Galaxy foldable specs, Final Fantasy 16 updates, and some good news for coffee drinkers. 🎉This week marked the Queen’s Platinum Jubilee celebrations here in the UK […]]]>

⚡ Welcome to The weekly authoritythe Android Authority newsletter that breaks down the top Android and tech news of the week. 197th edition here, with this Pixel 7 prototype, Galaxy foldable specs, Final Fantasy 16 updates, and some good news for coffee drinkers.

🎉This week marked the Queen’s Platinum Jubilee celebrations here in the UK (the first British monarch to celebrate 70 years of service!), so I took advantage of the two-day national holiday and we organized a street party here in town!

Popular news this week

Google Pixel 7 prototype bottom

Google:

Samsung:

OnePlus:

Xiaomi

Apple:

SPas:

Somewhere else:

Movies/TV:

best sniper

Games :

Diablo Immortal Demon Hunter Splatter

Comments

Vivo X80 Pro tilted back

Hadlee Simons/Android Authority

  • Vivo X80 Pro review: Vivo’s best, (mostly) refined – “It doesn’t reinvent the wheel, but it’s still a welcome upgrade over its already excellent predecessor.”
  • Samsung Galaxy A52s review: Jack of all trades – Premium build, great display, long-lasting battery life, and long-term software support make this easy to recommend.
  • Huawei Watch GT 3 Pro review: Titanium, ceramic and compromise – “A lot to offer but hampered by too many software flaws, missing features at launch and an extremely limited third-party app ecosystem, unless you plan to stick to a Huawei phone.”
  • Fossil Gen 5 Smartwatch review: An oldie but a goodie – The best Wear OS 2 watch you can buy.
  • Samsung Galaxy S22 Ultra review: The power user’s best friend – “In addition to the best specs and feature-rich, widely supported software, the Galaxy S22 Ultra comes with the S Pen and a plethora of productivity tools unmatched by the competition.”

Features

Android Open Source Project AOSP mashup logo

Gary Sims/Android Authority

wandering ps5

This week PlayStation’s latest State of Play gave us a lot to get excited about, including Final Fantasy 16 news:

If you missed it, you can catch up herebut otherwise keep reading for anything you missed:

  • Things started with a new Resident Evil 4 remake trailer, which we have been waiting for but still looking forward to. It arrives on March 24, 2023, in addition to being developed for PSVR2, and will arrive on PC and Xbox Series X/S.
  • PSVR2 news continued with a look at Resident Evil Village – to be honest, it scares me a bit, but kudos to anyone brave enough to play it! After the horror, there was another spooky title, The Walking Dead: Saints and Sinners Ch2, and we also got a glimpse of a VR version of No Man’s Sky.
  • But the PSVR2 trailer everyone wanted to see was a first look at Horizon Call of the Mountainwith amazing gameplay – plus news about a new patch for Horizon Forbidden West, which landed on Thursday.

Everything you need to know about PlayStation Plus

  • On to the news that excites me the most: we have a release date for Stray! It’s July 19! We have also another trailer which showed some gameplay. Oh, and it will be included in higher tiers of PlayStation Plus.
  • What else? Spider-Man is coming to PC on August 12, with Miles Morales to follow soon.
  • We’ve seen a survival horror trailer The Callisto Protocolgiving us some serious Dead Space vibes and coming December 2nd.
  • More rollerdromewas released on August 16: the roller derby sci-fi game looks pretty fun – and an anime action/dating sim eternal nights arrives in early 2023.
  • In case you missed it: Street Fighter 6 took a look, showing new character Jamie alongside Luke, Chun-Li and Ryu, coming in 2023, with Xbox Series X/S and PC versions also on the way.
  • Critically Acclaimed Tunic comes to PS4 and PS5 on September 27, and Season: A Letter to the Future looks intriguingly spellbinding, coming this fall.
  • But the biggest update, the one everyone was waiting for, was the Final Fantasy XVI news. We have a trailer, alongside a summer 2023 release window. I can’t. Wait.

Technical calendar

  • June 6-10: Apple’s WWDC 2022
  • June 9-12: Summer game party
  • June 10: The Quarry is out on PC, PS5, PS4, Xbox Series X, Xbox One
  • June 10: Jurassic World Dominion in theaters
  • June 12: Xbox and Bethesda Games Showcase at 12 p.m. CT
  • June 20-23: Collision (Toronto)
  • June 26-July 3: Summer games done quickly
  • July 5 at 8 a.m.: Asus ROG Phone 6 launched
  • July 19: Stray is coming to PS5, PS4, PC

Tech Tweet of the Week

A few DALL-E 2 Kermit The Frog inspired qualities – the Sopranos one is pretty awesome:

Paula Beaton, editor.

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5 Best Online Payday Loans – Online Payday Loans Same Day Deposit & No Rejection Payday Loans Direct Lenders in 2022 https://talktalkchina.com/5-best-online-payday-loans-online-payday-loans-same-day-deposit-no-rejection-payday-loans-direct-lenders-in-2022/ Fri, 03 Jun 2022 06:26:00 +0000 https://talktalkchina.com/5-best-online-payday-loans-online-payday-loans-same-day-deposit-no-rejection-payday-loans-direct-lenders-in-2022/ Online payday loans are the solution to almost any type of financial blockage. Whether you need money to redecorate the spare bedroom, buy an expensive birthday present, or pay for an expensive car repair, online payday loans can provide you with the cash you need. Many Americans have experienced the financial flexibility offered by online […]]]>


Online payday loans are the solution to almost any type of financial blockage. Whether you need money to redecorate the spare bedroom, buy an expensive birthday present, or pay for an expensive car repair, online payday loans can provide you with the cash you need. Many Americans have experienced the financial flexibility offered by online payday loans, and if you’re looking for financial relief, you can too.

Loan search services such as Viva Payday Loans give borrowers quick access to lenders offering the best payday loans online. With so many payday loan providers online, it can be difficult to choose the right one. This article features the top five direct online payday loan seekers on the market, putting you in direct contact with lenders.

Best online payday loans 2022 – a quick overview

What are the best online payday loans? See our top 5 below:

  • Viva Payday Loans – Best payday loans for fast payments
  • Heart Paydays – Best for No Disclaimer Payday Loans, Direct Lenders Only
  • Credit Clock – Best Online Payday Loans With Fast Approval Process
  • Money Lender Squad – Best for $255 payday loans online same day
  • Very Merry Loans – Best online payday loans with same day deposit

Best General Eligibility Criteria for Online Payday Loans

Borrowers must meet the following criteria to obtain payday loans online.

  • Must be 18 years or older
  • Must hold US residency
  • Must earn a minimum of $1,000 per month
  • Must pass accessibility checks
  • Must have a US bank account

If you have bad credit, you can still apply for the best payday loans online through Viva Payday Loans if you meet the criteria above. While none of the loan finder sites do credit checks on your name directly, lenders offering financing might.

Five Best Online Payday Loans: Same Day Deposit for Bad Credit

1. Viva Payday Loans – Best Payday Loans for Fast Payments

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Viva Payday Loans is known for its fast turnaround time, providing access to lenders who offer the best payday loans online in the shortest possible time. To be a successful applicant, you must meet the above loan criteria and pass affordability checks. Once the loan is approved, the funds are disbursed to the borrower within an hour. Interest rates range from 5.99% to 35.99%, depending on the lender.

Advantages

  • Repayment terms from 2 to 24 months
  • Loan values ​​up to $5,000
  • Fast payments within 60 minutes of loan approval

The inconvenients

  • High interest rates up to 35.99%

Click here to request funds from Viva Payday Loans >

2. Heart Paydays – Best for No Disclaimer Payday Loans Only for Direct Lenders

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Borrowers with bad FICO scores or no credit history can apply for the best online payday loans for bad credit through the Heart Paydays portal and still stand a chance of getting the money they need if they are currently in an excellent financial situation. When using this loan finder service, borrowers are tempted to be matched with direct no-disclaimer lenders only who are most likely to view their financial situation favorably. Loan amounts range from $100 to $5,000 with APRs of 5.99% to 35.99% and 2 to 24 months to pay off.

Advantages

  • Simple eligibility requirements
  • Almost instantaneous request feedback in 2 minutes
  • Flexible repayment terms

The inconvenients

3. Credit Clock – Best Online Payday Loans for Fast Approval Process

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When the best online payday loans are needed in a hurry, time seems to fly without giving you a second to catch your breath. This is where Credit Clock comes to the rescue with lenders that offer fast approval processes and even faster payments.

Credit Clock connects borrowers and lenders with the click of a button. Lenders through Credit Clock offer borrowers affordable loan amounts from $100 to $5,000 for 2 to 24 months. Interest rates range from 5.99% to 35.99%, which may seem high but may be worth the convenience, fast loan approvals and fast repayments. Check if you meet the loan criteria above and apply today!

Advantages

  • Fast payments
  • The easy online application process
  • Affordable Loans

The inconvenients

  • Interest rate up to 35.99%

4. Money Lender Squad – Best for $255 Same Day Online Payday Loans

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Money Lender Squad gives borrowers direct access to lenders without the usual hassle of traditional financial institutions. Their loan finder service helps borrowers apply for the best direct online payday loans online with a single application.

The process is simple and requires borrowers to enter their details, choose their loan amount and repayment period, and the best payday loans online appear in minutes. Online payday loans through lenders on the Money Lender Squad portal range from $100 to $5,000 with APRs of 5.99% to 35.99% and 2 to 24 months to pay off!

Advantages

  • The fast online application process
  • Offers $255 payday loans online and same day deposit
  • Loan amounts up to $5,000

The inconvenients

  • Not all requests are guaranteed to be approved

5. Very Merry Loans – Best Online Payday Loans with Same Day Deposit

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If you don’t need a large loan, the best online payday loans are available through the Very Merry Loans portal lenders. Loan amounts are kept small to keep them affordable, and APRs typically range from 5.99% to 35.99%. Additionally, lenders on the Very Merry Loans platform are known to pay on the same day as loan approval, giving borrowers access to seemingly instant cash. If you meet the general loan criteria mentioned above, you can easily apply for some of the best payday loans online through lenders on the Very Merry Loans platform.

Advantages

  • Same day payments
  • Flexible loan terms
  • Quick online application in 2 minutes

The inconvenients

  • Loan amounts capped at $2,000

Best Online Payday Loans Same Day Features and Considerations

Credit checks

Most online payday loans through US-based lenders are subject to credit checking by law. No credit check, instant approval. However, if you have a bad FICO score but your financial situation has improved, you can still apply online for the best payday loans.

Affordability

Affordability is key when applying for the best payday loans online. When processing your application, lenders will do an affordability check, such as comparing your bank account to expenses and pay stubs.

Penalties

Your loan agreement will specify the penalties and fees associated with your loans. Therefore, it is best to familiarize yourself with the terms of the loan agreement to avoid paying early or late repayment fees.

Conclusion

Online payday loans are an excellent form of financing for those who need funds quickly. They give you the flexibility you need between now and your next payday if you find yourself in a difficult financial situation.

FAQs

What are the best and easiest payday loans to get same day?

Online payday loans are fast, simple and convenient. First, borrowers complete a simple online application that connects them to a panel of lenders. From there, lenders assess the borrower’s affordability and, if they can afford the loan, funds are usually disbursed the same day.

What is the highest payday loan to get?

Online payday lenders offer loans between $100 and $5,000. Depending on the lender, APRs can range from 5.99% to 35.99% with the providers mentioned above. However, most lenders offer flexible repayment terms of 2-12 months or 2-24 months.

What are the best online payday loans?

Borrowers asking about the best payday loans online can use a range of loan search platforms such as Viva Payday Loans to find the best loan for them. Loan finder services simultaneously connect the borrower to a wide range of lenders. This means they are more likely to get a loan because multiple lenders have assessed their applications.

Disclaimer – The above content is not editorial, and Economic Times hereby disclaims all warranties, express or implied, in connection therewith, and does not necessarily warrant, guarantee or endorse any content. The loan websites reviewed are loan matching services, not direct lenders. Therefore, they are not directly involved in the acceptance of your loan application. Applying for a loan with the websites does not guarantee acceptance of a loan. This article does not provide financial advice. Please seek the assistance of a financial advisor if you need financial assistance. Loans available only to US residents.

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