Loan advertisements – Inzerce Pujcek http://inzercepujcek.net/ Thu, 21 Oct 2021 10:14:26 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://inzercepujcek.net/wp-content/uploads/2021/06/icon-87-150x150.png Loan advertisements – Inzerce Pujcek http://inzercepujcek.net/ 32 32 Don’t fall for social media posts promising thousands of new stimulus funds https://inzercepujcek.net/dont-fall-for-social-media-posts-promising-thousands-of-new-stimulus-funds/ https://inzercepujcek.net/dont-fall-for-social-media-posts-promising-thousands-of-new-stimulus-funds/#respond Wed, 20 Oct 2021 20:21:00 +0000 https://inzercepujcek.net/dont-fall-for-social-media-posts-promising-thousands-of-new-stimulus-funds/ (POLITIFACT) A promotion of up to nearly $ 4,000 for US homeowners is spreading online, but it’s not real, so don’t get too hopeful. “GSE’s new stimulus program gives homeowners up to $ 3,708 each year,” read the title of a blog post on the ouramericanliving.com website. “Homeowners can start using that $ 3,708 however […]]]>

(POLITIFACT)

A promotion of up to nearly $ 4,000 for US homeowners is spreading online, but it’s not real, so don’t get too hopeful.

“GSE’s new stimulus program gives homeowners up to $ 3,708 each year,” read the title of a blog post on the ouramericanliving.com website.

“Homeowners can start using that $ 3,708 however they want, thanks to a new stimulus package being offered to us by the current administration,” the post continued. “You can dramatically reduce your mortgage payments, improve your home, or use it for any other expense.”

To tap into that money, the publication tells people to complete a “mortgage stimulus survey”.

Clicking on the link takes you to a website called Enhancedrefinow.com and a series of questions about your home. At the end of the day, there is no money on hold. Just several requests for personal information – name, address, phone number, etc. – until you arrive on an ad page to refinance your mortgage.

This post was reported as part of Facebook’s efforts to tackle fake news and disinformation on its news feed. (Learn more about the Politifact partnership with Facebook.)

Politifact evaluates this statement Pants on fire.

Blog post, October 15, 2021

WCNC, VERIFY: Scammers Use New Social Media Trick To Steal Your Information, October 6, 2021

Lead Stories, Fact Check: Special “American Homeowner Relief” Program Does NOT Reimburse Homeowners $ 3,708, May 17, 2021


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President Biden makes plans to restart student loan payments https://inzercepujcek.net/president-biden-makes-plans-to-restart-student-loan-payments/ https://inzercepujcek.net/president-biden-makes-plans-to-restart-student-loan-payments/#respond Wed, 20 Oct 2021 12:20:09 +0000 https://inzercepujcek.net/president-biden-makes-plans-to-restart-student-loan-payments/ The Biden administration is making plans for how it will restart federal student loan payments next year when the hiatus on monthly payments ends. The Education Department is considering proposals to give borrowers more options and flexibility as they face student loan repayments for the first time in two years. Options include an initial grace […]]]>

The Biden administration is making plans for how it will restart federal student loan payments next year when the hiatus on monthly payments ends.

The Education Department is considering proposals to give borrowers more options and flexibility as they face student loan repayments for the first time in two years. Options include an initial grace period for missed payments.

Education officials are also discussing policies to make it easier for millions of borrowers to stay on income-based repayment programs, allowing borrowers to avoid a sudden increase in their monthly payment.

Plans are being made to avoid an increase in delinquencies when payments resume in February 2022. Currently, more than 40 million borrowers owe $ 1.59 trillion in student loan repayments. The situation has drawn political lines as well as Progressive Democrats pressured Biden to cancel widespread student loan debt since the day he was sworn in.

Education Secretary Miguel Cardona said he wanted a smooth “acceleration” for borrowers to start payments again. The department’s head of student aid, Rich Cordray, told Politico the agency was discussing a major public awareness campaign that included paid ads, to educate student loan borrowers about their options.

Education Ministry officials have instructed their student loan officers to create a “safety net” for borrowers in the first three months of resuming their payments. Borrowers who miss a payment during the grace period would not be penalized or knocked out on their credit reports.

The department also plans to contact certain groups of subprime student loan borrowers directly, including those who were in arrears before the pandemic, never graduated from college, or have recently started repaying their loans. The department is also extending the opening hours of its call center to cope with an increase expected in the coming months.

Another move officials are discussing is a proposal to make it easier for borrowers to enroll borrowers in income-based repayment programs. These programs typically require borrowers to prove their income and family size annually. This requirement was suspended during the pandemic, but now that payments are restarting, 9 million borrowers will have to recertify their income again.


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How branding will benefit your business https://inzercepujcek.net/how-branding-will-benefit-your-business/ https://inzercepujcek.net/how-branding-will-benefit-your-business/#respond Wed, 20 Oct 2021 00:10:06 +0000 https://inzercepujcek.net/how-branding-will-benefit-your-business/ An important part of building a successful business is creating a brand that everyone will recognize. Whether it’s done through ads or creating a logo, building a brand can be tough work. However, for small and medium-sized businesses, branding can also be an expensive affair that can sometimes require taking out a business loan.. This […]]]>

An important part of building a successful business is creating a brand that everyone will recognize. Whether it’s done through ads or creating a logo, building a brand can be tough work.

However, for small and medium-sized businesses, branding can also be an expensive affair that can sometimes require taking out a business loan..

This article will help you determine how to build a successful brand.

What is branding and its objectives?

The whole branding process involves creating a certain perception or view of a business. In other words, it is the effort that a business will make to ensure that a customer has a positive image of the business. In this way, branding can help increase sales and its customer base.

This marketing activity involves a series of aspects or requirements. This includes the creation of:

  • Logo
  • name
  • Design
  • brand history

And more.

The goals of brand building include:

Identity creation

If we take, for example, the story of the brand that a company seeks to promote; it’s about telling how the business was founded or the inspiration behind the business, and so on.

By creating a brand story, you are creating a brand identity that can help customers differentiate your brand from other competitors.

Quality check

Building a brand also means that any product or service you create will have a unique quality. Therefore, every time a customer purchases a product from your business, they expect and receive the quality they desire.

How will a business loan help build a brand?

To understand where a MSME loan can benefit your business in its branding, it is first important to understand what steps are involved in building a brand.

Here are a few steps every business must take for effective branding:

Determine business goals

The first step is to understand what your business is doing. This will involve answering questions such as: does he sell products or services? What industry does it belong to? What type of brand do you want the business to be?

Find a target clientele

The next step is to find your customers. A clientele refers to people interested in purchasing the products or services that your building offers them.

Create a brand identity

After that, you will better understand how to promote your business through your brand. This is where a MSME loan can help you, as you will be able to hire experts or marketing professionals to use strategies that will build an effective brand identity that your target customers will love.

Creation of visual parts

Visual components are another important part of building the brand. This includes the logo and colors present. In addition to that, it can also include making business cards or a sign for branches of your business.

For this reason, you will need to hire a graphic designer to help you create a logo that best represents your business.

Distribute promotional content:

The last step in building a brand is to create and publish promotional content. This includes advertisements in newspapers or on social media platforms or even building a website for your business. A business owner may have to spend money to hire marketing professionals or knowledgeable website developers for all of these needs.

Therefore, in almost all of these stages, a business owner needs a certain amount of funds to build a brand capable of making their business successful.

The benefits of branding for MSMEss

MSME loans are generally used for other projects such as purchasing new equipment or expanding your business. However, the question is: what makes branding so important to you to invest, with or without a business loan? To answer this question, let’s see how your business can benefit from good branding.

In addition to the aforementioned brand building goals, a brand can have several benefits for a business. This includes:

Due to the visual aspects of the brand, such as the logo or a business card, a business becomes more and more recognizable to customers or potential customers.

Take, for example, the logos of fast food restaurants. It shows how people identify yours using a logo or logo colors. Therefore, a good brand can dramatically increase the awareness of a small or medium-sized business.

Customers also find that businesses that are also brands are more trustworthy than other businesses. This is because customers believe that buying from a well-established brand means that they are buying genuine products of good quality. Therefore, with a brand, they are more free to spend their money on the products that the company has to offer.

Good brand building efforts can also contribute to better advertising opportunities. This is because when building a brand, a business needs to find out its target audience and what advertising resources the audience uses the most.

For example, a younger generation will use social media apps where a business can create advertisements. Therefore, branding can also help a business increase the effectiveness of its advertisements.

As your business grows after building a recognizable and trustworthy brand, it might be time to grow the business. It also means that employees will be more eager to work with you and gain the experience it gives them. In addition to this, a brand also helps them to understand the goals of the company and, therefore, to work on them.

Above all, the main benefit of brand building is that it can generate more customers. Whether through advertising or brand uniqueness, it can greatly benefit the business.

Therefore, if you are convinced of what brand building has to offer your business, don’t let a lack of funding stop you from converting your business into a brand.

Consider taking out a small business loan with affordable interest rates available on ZipLoan. You can also choose to make your MSME registration online on ZipLoan for additional benefits.

Working capital loan on WhatsApp

Frequently Asked Questions

What are the four stages of building a brand?

If you are part of a marketing team tasked with developing your company’s brand, you can follow these four steps:
1) Determine your target audience.
2) Position your product and your business.
3) Define the personality of your business.
4) Choose a logo and slogan.

What is brand building and its importance?

Brand building is the set of activities that help companies build an identity that can be recognized by its audience. Thus, it functions as an identification mechanism through core values ​​that demonstrate trust and help build long-term relationships between the brand and its key stakeholders.

What does it mean to build a brand?

Branding is the process of raising awareness and promoting a company’s services through direct advertising or sponsorship campaigns.

What are the advantages of the brand?

1 Better customer recognition.
2 Increased customer loyalty.
3 More word of mouth.
4 Higher advertising efficiency.
5 Better quality of candidates.
6 Greater employee motivation.
7 Lower price sensitivity.

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Biden quietly decides how to restart student loan payments https://inzercepujcek.net/biden-quietly-decides-how-to-restart-student-loan-payments/ https://inzercepujcek.net/biden-quietly-decides-how-to-restart-student-loan-payments/#respond Mon, 18 Oct 2021 17:23:16 +0000 https://inzercepujcek.net/biden-quietly-decides-how-to-restart-student-loan-payments/ The plans, some of which are still ongoing and not finalized, are aimed at avoiding a potential increase in delinquencies when payments resumed in February, which the Biden administration announced in August. Reversing the massive $ 1.6 trillion federal student loan apparatus that has largely been frozen for nearly two years is an unprecedented logistical […]]]>

The plans, some of which are still ongoing and not finalized, are aimed at avoiding a potential increase in delinquencies when payments resumed in February, which the Biden administration announced in August.

Reversing the massive $ 1.6 trillion federal student loan apparatus that has largely been frozen for nearly two years is an unprecedented logistical challenge for the Education Department. It is also fraught with political pitfalls as progressives urge the administration to focus on widespread debt cancellation rather than resuming payments.

More than 40 million federal student loan borrowers have benefited from the Department of Education’s hiatus on interest and monthly payments that began in March 2020. The Biden administration recently extended relief until the at the end of January, which officials insisted was the last reprieve.

Education Secretary Miguel Cardona has previously said he wants to create a smooth “acceleration” for borrowers to start payments again. Rich Cordray, the department’s head of student aid, spoke about his plans for a major public awareness campaign, including paid ads, to educate borrowers about their options.

Several internal documents obtained by POLITICO under a Freedom of Information Act request further describe the ministry’s “return to reimbursement” strategy – which it has internally dubbed “R2R”.

“In recognition of the historic impact of a nearly two-year hiatus in student loan repayments, borrowers will benefit from additional flexibility in the early stages of returning to repayment,” the ministry wrote in one documents.

The Education Department declined to comment directly on its plans to restart federal student loan payments.

“A smooth transition to reimbursement is a high priority for the administration,” said an administration official in a statement in response to POLITICO’s request for comment. “Over the next few months, we’ll be releasing more details on our plans and engaging directly with federal student loan borrowers to make sure they have the resources they need.”

Department officials have asked their loan officers to create a “safety net” for borrowers in the first three months after their first payment is due next year, according to internal documents. Borrowers who miss a payment during that initial 90-day grace period would not be penalized or knocked out on their credit reports, according to the plan. Rather, these borrowers would automatically be placed in forbearance status and would be considered up to date on their loans.

The Education Ministry plans to directly reach certain groups of “at risk” borrowers, such as those who were delinquent before the pandemic, never graduated from college, or only recently started repaying their loans. And the agency has increased the opening hours of its loan officers’ call centers, anticipating a deluge of borrower requests in the months to come.

Officials are also discussing proposals that would make it much easier for borrowers to enroll in income-based repayment programs, which typically require borrowers to submit proof of their income and family size each year.

This requirement was suspended during the pandemic. But now that payments are restarting, some 9 million borrowers who participate in the income-based repayment program will have to recertify their income or face a potentially large increase in their monthly payment amount.

To account for this potential deluge of millions of applications, the Education Department is considering allowing borrowers, for a limited time, to quickly self-certify their income and family size over the phone with their loan officer. , according to two people familiar with the plan. .

In addition, the Department of Education is considering a plan to automatically remove more than 7 million borrowers from defaulting on their federal student loans. The effort to help these borrowers, which has not been finalized, is called internally “Operation Fresh Start”, according to people familiar with the plan.

A group of Senate Democrats, led by Senators Elizabeth Warren of Massachusetts and Raphael Warnock of Georgia, earlier this year called on the Biden administration to end defaults on all student loans held by the federal government.

They argue that the Department of Education has the power to do so because the CARES Act allowed defaulting borrowers to account for suspended payments in the event of a pandemic within the nine months of payments that are typically required for a borrower to resolve. its loans through a known process. as “rehabilitation”. Borrowers typically need to complete paperwork with a debt collection company to start this process, but Democrats are pushing the administration to reverse this requirement.

Some Democrats also continue to pressure the Biden administration to use the executive branch to write off up to $ 50,000 in federal student loan debt per borrower. Biden said he was more comfortable with a figure closer to $ 10,000, and the White House said it still decides whether it has the power to write off large amounts of debt using action. of the executive.


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Wright leaving Surry’s economic partnership https://inzercepujcek.net/wright-leaving-surrys-economic-partnership/ https://inzercepujcek.net/wright-leaving-surrys-economic-partnership/#respond Sun, 17 Oct 2021 16:13:00 +0000 https://inzercepujcek.net/wright-leaving-surrys-economic-partnership/ July 03, 2021 If anyone didn’t know better Friday by observing the activities at the Brannock Service Center, he or she might have thought it was 1965 – when motorists were sitting in their vehicles while an attendant pumped their gasoline and was checking the oil. But no, a glance at the calendar revealed that […]]]>

If anyone didn’t know better Friday by observing the activities at the Brannock Service Center, he or she might have thought it was 1965 – when motorists were sitting in their vehicles while an attendant pumped their gasoline and was checking the oil.

But no, a glance at the calendar revealed that it was actually 2021. And the scene of a man – Marty Brannock – providing such friendly customer service was very real and not a product of the imagination recalling the good old days gone by.

“I saw you there cleaning the windshield and I was like, ‘people don’t do that anymore,'” customer Zack Blackmon Jr. told Brannock a few minutes later as they stood. inside the long-standing business on West Lebanon Street across from the Veterans Memorial Park. .

Brannock couldn’t think of another full-service gas station in Mount Airy that offers this service, claiming the closest one he knows is in Carroll County, Va. – a concept alien to a high generation only. self service.

And as of Monday, this community will no longer be bragging about this distinction, due to the closure of Brannock’s Service Center Inc. on July 5, according to a letter sent to its customers.

“After 45 years in this place, retirement is near,” he says. “It has been a pleasure serving you and the Town of Mount Airy for so long.”

“I’m just ready to go,” Brannock, 66, said Friday of the retirement decision concerning him and his wife Donna. They have been married for almost 46 years and she worked in the Brannock Service Desk office for about 23 of them. The late Buck Brannock, Marty’s father, founded the company.

However, some vestiges of the operation will survive after its gas station component fades into history.

Although the building itself is empty, longtime Brannock employee Jason Jarrell and his wife Robin will be opening the Brannock Alignment and Service Center at a store next to the gas station on July 19.

Plus, the fuel pumps will still work, but only by credit card, 24/7, with no friendly faces.

End of an era

The prospect had many customers expressing their sadness on Friday as they stopped to say goodbye to the Brannocks, who included more than a few hugs.

“I’m not going to cry,” said longtime client Nancy Caruthers of Westfield, whose emotions along these lines were still apparent as she and Marty hugged each other warmly.

We quickly got the idea on Friday that it was not just the service aspect itself that made the Brannock service center so attractive, but the personal touch it embodies.

“He’s wonderful with me,” Caruthers said of Marty Brannock while mentioning that she had sponsored the company since 1998.

“You have so many people who depend on you,” Blackmon told Brannock.

Among them is Deborah Cochran, former mayor of Mount Airy and longtime radio personality who lives near the station.

“My cars are over 20 years old and they’ve serviced my cars for decades,” Cochran said of the Brannock’s team, praising “Marty’s positive attitude” as well as the thorough treatment at the pump.

“Everything from the inspections, the batteries, the tires, the brakes and gasoline – they even come to the house and collect the cars,” Cochran added. “We don’t know how many people they kept on the road, and I go to Winston-Salem ten months a year.”

Brannock said he has relied on a simple philosophy in his interactions with customers. “I have always tried to give people the best advice and the best value for money,” he said of various automotive issues.

It is a formula that has proven to be a success with people near and far.

“We all love him,” Blackmon said of Brannock.

Likewise, customers don’t want to see him go.

“It seems like everything is changing these days,” Cochran said. “When Marty and Donna told me they were retiring, I was in shock.”

“I paid my dues”

There have been many transitions in the business world over the years and talking with Marty Brannock it feels like at one point people want to escape the associated pressures and just enjoy life to the fullest.

The longtime station operator referred to his father to explain this.

“He was my buffer,” said Brannock, who could handle things whenever the son wanted to take a trip to the beach or attend a motorcycle rally.

“But when dad passed away 15 years ago, I carried the load – but I enjoyed that,” he said.

“I paid my dues and enjoyed everything I did.” Brannock says he’s ready for a new “adventure”.

David Beal, another former city official – who served as both Commissioner and Police Chief at Mount Airy, in addition to Surry County Clerk – offered an optimistic view of the situation on Friday during a stop for gasoline.

“First of all, I think the Brannock family’s history in the gas station industry is exceptional,” said Beal.

He appeared to be reassured that there will be at least some semblance of commerce remaining due to the store next door that will operate as Brannock.

This will allow the couple’s presence to be intact at the West Lebanon Street site – at least symbolically, Beal believes.

“As far as I’m concerned, Donna and Marty will always be there.


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Real Debt and Desperation Behind Netflix’s “Squid Game” https://inzercepujcek.net/real-debt-and-desperation-behind-netflixs-squid-game/ https://inzercepujcek.net/real-debt-and-desperation-behind-netflixs-squid-game/#respond Sat, 16 Oct 2021 10:00:22 +0000 https://inzercepujcek.net/real-debt-and-desperation-behind-netflixs-squid-game/ SEOUL – The calling card, thrown with expert precision from a motorcycle as she pulled away, landed at Park Chui-woo’s feet as he neared the end of his wits. The brightly colored card advertised quick loans with low interest rates, especially for small business owners. At the peak of all other lines of credit and […]]]>

The calling card, thrown with expert precision from a motorcycle as she pulled away, landed at Park Chui-woo’s feet as he neared the end of his wits.

The brightly colored card advertised quick loans with low interest rates, especially for small business owners. At the peak of all other lines of credit and with payday looming for employees at his small coffee shop chain, Park dialed the phone number.

With that call three years ago, he entered the underground world of illegal private lending that tempt desperate South Koreans, then traps them with crippling interest rates, oppressive collection methods and a slippery slope leading to more debt.

Soon tattooed motorcycle skinheads showed up to chat with Park. They put down a wad of bills and started going through his store daily to collect interest, at an annualized rate of about 210%.

“You really don’t have any other choice,” said Park, 45, who has been borrowing from private loan sharks for about three years and had to increase the sum after the COVID-19 pandemic ravaged sales in his stores. cafes. “It can send you into a sand trap.”

Customers use ATMs at a Seoul subway station, where illegal private loans with crippling interest rates are a real temptation for those with few other options.

(Lee Jinman / Associated Press)

Debt is the main motivation for characters in the Netflix hit “Squid Game,” a dystopian drama series in which 456 heavily indebted participants fight to the death – literally – for a chance of winning 45.6 billion won (approx. $ 40 million).

The South Korean series resonated around the world, exploiting growing economic fears and becoming the most popular version of the streaming service to date, with 111 million views within the first 28 days. At home, however, the show’s popularity has been inseparable from the country’s very real crisis of growing household debt, gaping inequality, and a weak social safety net with significant blind spots.

South Korean household debt hit record levels in the second quarter of 2021, jumping more than 10% from the same period last year. Citizens in their 30s are the most in debt, having borrowed on average more than 260% of their income, according to the Bank of Korea. Soaring house prices and soaring stock markets over the past year have fueled borrowing, prompting young adults who see less promise in traditional employment and have turned to massive investments in stocks. or cryptocurrencies.

Official statistics fail to capture the illicit world of private lending that Park and “Squid Game” protagonist Seong Gi-hun turned to when they could no longer borrow from banks and legally registered lenders, including loans are capped by law at an annual interest rate of 20%.

At the start of the series, Seong, a laid-off autoworker plagued by gambling addiction after unsuccessful attempts to start a business, is chased by black-suit, knife-wielding lenders who force him to sign. a commitment to give up a kidney. and an eye if he doesn’t pay back in a month. Seong, played by Lee Jung-jae, then enters the “Squid Game,” where each character’s debt is revealed, and childhood games like “Red Light, Green Light” turn brutal.

“All of you in this room are in crushing debt and are now on the edge of a cliff,” one gambling runner told those gathered. “Do you want to go back and live your pathetic life running away from creditors?” Or will you seize the last opportunity we offer you? “

South Korea’s occult lending activity is difficult to quantify but appears to be pervasive. Cards and flyers promoting cash are easily visible on metro cars, bus stops and street lights. The government regulator, Financial Supervisory Service, received nearly 300,000 reports of illegal loan announcements in 2020. This is an increase of around 25% from the previous year, no doubt boosted by pandemic-related layoffs and trade restrictions that have pushed already vulnerable people deeper into finance. straits.

The Seoul-based industrial group Consumer Loan Finance Assn. said it negotiated over 5,000 high interest loan cases reported last year, in which the average annual interest charged was 401%. In one case in Gyeonggi province, which includes parts of the metropolitan area surrounding Seoul, interest on a short-term loan was 3,338% annualized, police said.

“Deadly interest rates are being charged below the surface,” said Seo Bo-kuk, senior executive at the Consumer Loan Finance Assn. “It becomes a domino effect, and a lot of people end up turning to it over and over again.”

Lee Jung-jae (number 456) in Netflix drama "Squid game."

Lee Jung-jae plays Seong Gi-hun (# 456) in a deadly competition in the Netflix drama “Squid Game”.

(Youngkyu Park / Netflix)

Contracts that require a kidney or eyeball instead of reimbursement are a bullying tactic of yesteryear and are no longer common, according to industry officials. Even so, they are portrayed in “Squid Game” and other TV shows and movies, sparking fear among those in debt to slanderous lenders. South Korea’s richest man Seo Jung-jin, founder of biopharmaceutical company Celltrion, said in interviews he had to pledge his organs to borrow from loan sharks in order to keep his business afloat after the early Asian financial crisis. 2000s.

“My debt would not be covered even if I sold all my organs,” said Park, the owner of the cafe, who noted that his lenders had never made such promises.

Nowadays, lenders demand the phone numbers of relatives and friends of debtors in order to harass them if the debt is not paid on time, or if they show up at the work places of the debtors, according to the accounts of the debtor. industry. Some go further. In 2017, a 27-year-old private lender from Incheon City was sentenced to five years in prison for sexually assaulting a woman who owed him about $ 8,500.

“People turn to it knowing that interest rates are high,” said Jung Deok-gil, an investigator with the special division of the judicial police in Gyeonggi Province. “They use it because they desperately need the money but don’t have the credit for it.”

Park said illegal creditors were a lifeline in paying employees and keeping stores open. Earlier this year, he managed to wean himself off loans but returned to it a few months ago when prolonged pandemic restrictions and other complications plagued his business. At present, he has two 60-day loans of 20 million won (approximately $ 17,000) each. In total, he has about $ 850,000 in debt, legal and otherwise.

“I have no bitcoin, no stocks, no real estate, no inheritance,” he said. “For someone like me, in the South Korean financial system, we cannot do without private loans.”

So far he’s barely holding up – relieved to have made October pay. He didn’t have time to watch “Squid Game” or think about it beyond the show’s headlines. The reality in South Korea, for him, is quite dystopian.

“Once COVID-19 is over, it could be a whole different game,” he said. “All the social issues that we swept under the table and pushed back during the pandemic – it’s a huge time bomb.”



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FDA Advisors Recommend Moderna Recall For At-Risk Adults https://inzercepujcek.net/fda-advisors-recommend-moderna-recall-for-at-risk-adults/ https://inzercepujcek.net/fda-advisors-recommend-moderna-recall-for-at-risk-adults/#respond Thu, 14 Oct 2021 21:56:12 +0000 https://inzercepujcek.net/fda-advisors-recommend-moderna-recall-for-at-risk-adults/ Copyright 2021 NPR. To learn more, visit https://www.npr.org. ARI SHAPIRO, HTE: Just south of Nashville, there’s a sign in a suburban neighborhood. It is a historical marker describing an amusement park and zoo that existed a century ago at this site. This park, in 1926, is the setting for the new novel “When two feathers […]]]>
Copyright 2021 NPR. To learn more, visit https://www.npr.org.

ARI SHAPIRO, HTE:

Just south of Nashville, there’s a sign in a suburban neighborhood. It is a historical marker describing an amusement park and zoo that existed a century ago at this site. This park, in 1926, is the setting for the new novel “When two feathers fell from the sky”. This is from Margaret Verble, whose previous work made her a Pulitzer Prize finalist.

Welcome to ALL THINGS CONSIDERED.

MARGARET VERBLE: Thank you. It’s so nice to be here. Thank you for inviting me.

SHAPIRO: I was almost done reading this book when my producer alerted me that Glendale Zoo was a real place. Tell us about your connection to this almost forgotten piece of history.

VERBLE: Well, I grew up in a neighborhood that was built on the grounds of this old zoo. And there were traces of it all over this neighborhood.

SHAPIRO: Like what? Paint us a picture.

VERBLE: Well, like, say, the trees lining the streetcar track are still there. I actually walked through them on my way to Glendale Elementary School. And there was also – there was steps leading up to the zoo, and the remains of the bear cage was still there.

SHAPIRO: So you’ve decided to put this book there. What made you choose this place in 1926? What about this place and time?

VERBLE: I knew I was going to write a book that would take place there, but I wasn’t sure exactly when it was going to be. And so I went through the archives in Nashville, Tenn., And to get some information on this zoo. And it turns out that in 1926 there were a few events that made the newspaper there. And I thought it would be a good time to put it in place. And I would put …

SHAPIRO: What were these things?

VERBLE: Well, one of those things was the fact that I found evidence that there had indeed been a hippo there in 1926. And I always thought there was a hippo or a rhino there – I didn’t know which one because we found the bones like the kids, and …

SHAPIRO: Big bones.

VERBLE: Big bones – so that’s the kind of thing I was looking for, and it’s the kind of thing that got me to that particular time.

SHAPIRO: It’s a time of change, with the arrival of electricity, the arrival of cars. The Scopes monkey trial is featured in the book, which was set in Tennessee. It’s – really, it looks like the cusp.

VERBILE: Yes. And that is – of all the decades in the past, I think the 1920s are more similar to the times that we live in now.

SHAPIRO: What makes you say that?

VERBLE: Well, because it was a time of really horrible division and racism and people just couldn’t get along with each other. For example, the Scopes trial – which caused huge divisions. This…

SHAPIRO: It was a finished evolution.

VERBLE: During evolution – it’s true. It broke marriages. It broke friendships. People have stopped talking to each other about it, especially in Tennessee, but I think across the country as well. So we’re sort of living that kind of a time now. So the 20s resonate with me.

SHAPIRO: The title of this book, “When Two Feathers Fell From the Sky,” refers to your main character, a woman named Two Feathers. Tell us about her.

VERBLE: Well, in the book, she’s a Cherokee Indian who is on loan from the Millers Brothers Wild West show at the Glendale Park Zoo. And this Wild West spectacle really went on for decades. And they struggled in the 1920s to make any money. And so they loaned out some of their artists. So it really happened. And there was a Two Feathers performer in Glendale. Now, I don’t know if this one was on loan from the Millers Brothers ranch in Oklahoma. But I found that name repeated over and over again in the commercials about her courage and daring because she was a horse diver, which, you know, a lot of people don’t even know what a female diver is. horse today.

SHAPIRO: I had never heard of it. Tell us what it is.

VERBLE: Well, for decades people thought it was really fun going to watch horses dive into the water from platforms.

SHAPIRO: With someone on the back of a horse?

VERBLE: With a person on the horse’s back – and therefore this particular character is a diver on horseback. And she dives from a platform into the water. This is his business. This is what she does two or three times a day. And there was a diver on horseback in Glendale.

SHAPIRO: In the author’s note, you write that you learned in the fourth year that the settlers declared that this land was theirs and that the take involved killing a lot of Indians. And then you write, my mom, a fourth grade teacher with a still very much alive Cherokee family in Oklahoma, has had to teach this fake racist story year after year. And so I wonder if this book is, among other things, an effort to correct the historical record.

VERBLE: Absolutely. At its deepest level, that’s what this book is about. Now, on top of that, there are all kinds of fun things. But that’s – the very basis of it is an attempt to fix it.

SHAPIRO: Did you ever tell your mother about this, how it felt for her?

VERBLE: I didn’t tell my mom about it. You just didn’t talk about it then. The – there was a lot of very low-key stamina from his generation of Cherokees – was to absolutely blend in and get along and not offend anyone’s feathers because his generation was really the first generation that the Cherokees had undergone l ‘annihilation by paper, that is, unless you were born before 1907, even though you were a pure-blooded Cherokee, you were considered white because the idea was that after the death of the older Indians, there would be no more Cherokees. So my mother was brought up in a world where the only option she had was to get along with white people. So she kept her mouth shut. And, you know, I think it cost him a lot. It is expensive for everyone when it is enough to be silent.

SHAPIRO: Despite the oppression, inequality, and segregation that you vividly describe in the novel, it’s such a rich and colorful world that’s on the verge of disappearing with the arrival of cars, movies, and more. other modern technologies. So, do you allow yourself to nostalgia for these times, even though you see its many flaws?

VERBLE: Well, I think we’re living in better times. I am glad that we are no longer living in a world of segregation, although certainly in many ways we do. But I don’t nostalgia for the segregated South. I was brought up there. And, you know, I don’t think that’s fair. So I guess the answer is no.

But for the whole idea of ​​the Glendale Park Zoo, I have to say I was brought up and still felt like it was just a magical place. And anyone who’s ever written about it seems to feel the same way. So this zoological park was a little gem in a world that, you know, was extremely flawed.

SHAPIRO: Margaret Verble’s New Novel is a work of historical fiction titled “When Two Feathers Fell From the Sky”. Thank you for discussing this with us.

VERBLE: Thank you for having me. I appreciate it. Transcript provided by NPR, Copyright NPR.


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Bike Bazaar pushes for democratized bike loans in new campaign, Marketing & Advertising News, AND BrandEquity https://inzercepujcek.net/bike-bazaar-pushes-for-democratized-bike-loans-in-new-campaign-marketing-advertising-news-and-brandequity/ https://inzercepujcek.net/bike-bazaar-pushes-for-democratized-bike-loans-in-new-campaign-marketing-advertising-news-and-brandequity/#respond Wed, 13 Oct 2021 09:15:00 +0000 https://inzercepujcek.net/bike-bazaar-pushes-for-democratized-bike-loans-in-new-campaign-marketing-advertising-news-and-brandequity/ Bike Bazaar is pushing for democratized bike loans in a new campaign. Bike Bazaar has announced the launch of its first branding campaign to help democratize two-wheeler ownership and bicycle lending for all Indians. “Bike loan by sabka haqq hai” is conceptualized by The Womb. The film opens in a bicycle showroom where the protagonist […]]]>
Bike Bazaar is pushing for democratized bike loans in a new campaign.

Bike Bazaar has announced the launch of its first branding campaign to help democratize two-wheeler ownership and bicycle lending for all Indians. “Bike loan by sabka haqq hai” is conceptualized by The Womb.

The film opens in a bicycle showroom where the protagonist is given the keys to his new bicycle by the seller. At this point, the protagonist is so overwhelmed that he collapses with unimaginable joy. This unusual expression of joy is explained by a voiceover “Ask those who have never had a bike loan”. Except us. Bike Bazaar offers you a bike loan without a bank check ”.

Srinivas Kantheti, Managing Director and Co-Founder of Bike Bazaar, said: “Bike Bazaar’s mission is to democratize bicycle lending for all Indians because we believe that everyone deserves a better life and opportunities for employment and should not be deprived of it due to lack of access to the organized financial credit system. The Womb’s ability to create distinctive and strategically relevant creative work is what drew us to them. We incorporated them early on to build our brand from scratch, including our brand architecture and the new identity. ”

Navin Talreja, Founding Partner of The Womb, said: “It was a very concise but stimulating presentation from the Bike Bazaar management team as they have accumulated over 100 years of experience in the two-segment segment. -wheels. During our months of in-depth research in the heart of the country, we found that everyone wanted a two-wheeler because it is the greatest driver of employability and progress in their lives, but it was difficult due to lack of access to credit / loan. With its promise of access to two-wheeler credit, without the need for a bank account, checkbook or NACH money order, Bike Bazaar lives up to its positioning “Bike loan by sabka haqq hai”. “

The brand’s film deals with various emotions and feelings linked to returning to your haven of peace, home …


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Role play: evaluators and their intended uses https://inzercepujcek.net/role-play-evaluators-and-their-intended-uses/ https://inzercepujcek.net/role-play-evaluators-and-their-intended-uses/#respond Mon, 11 Oct 2021 09:00:58 +0000 https://inzercepujcek.net/role-play-evaluators-and-their-intended-uses/ Tell someone that you are a professional fee assessor and most people will have no idea what that really means. Some will imagine the guys from Pawn Stars or the Antiques Roadshow trying to put some value into something they pulled out of their parents’ attic. If they work in the mortgage industry, they will […]]]>

Tell someone that you are a professional fee assessor and most people will have no idea what that really means. Some will imagine the guys from Pawn Stars or the Antiques Roadshow trying to put some value into something they pulled out of their parents’ attic. If they work in the mortgage industry, they will likely fall into one of two groups: those who understand the value you bring to the mortgage finance transaction and those who think you are filling out forms. This last group is much larger.

It may be the seemingly endless stream of electronic advertisements for form filling software, but something has convinced a large majority of mortgage professionals that what we are doing is filling out the latest version of the report. Evaluation.

No wonder they think computer software can replace us.

In truth, human reviewers fulfill two vitally important roles today, (1) we collect information and (2) analyze it so that it can be presented to our clients. The way we present our results, the forms we use to display the conclusions we have reached based on our years of experience and the data available, have changed over time and will continue to do so. But the two essential roles we play in the process will not change.

The changes we are seeing today in our industry and in the forms that investors ask lenders to use to present our views on value are evolving in the interests of optimization and efficiency. We should accept this, even though most of the efficiency gains benefit our customers as our jobs get more difficult, at least in the short term.

Some reviewers vehemently oppose some of these modernization efforts because they remove certain steps from our traditional process.

Ours is not the only industry where we see this. Think about oral care. Dentists, in particular.

If you are going to the dentist today with a toothache and it is a professional that you have seen in the past, perhaps for a regular checkup, you would not expect to have to undergo the procedure again. x-ray procedure. This has already been done in the recent past. What you need now is relief. So you collapse in the chair and the dentist goes to work to relieve your pain.

Today in our industry, mortgage services make refinancing offers to new borrowers within 90 days of entering the service platform. In a declining interest rate environment, it is not uncommon to see a borrower return to the closing table for a new loan within a year of closing their last loan. Unlike the dentist, we’re warming up our full appraisal professional and getting ready to re-x-ray the property, metaphorically speaking.

COVID has brought this concept to the fore, and we have seen the rise in valuation waivers – when GSEs determine based on risk that the information they have about the property and the expected value of that property is sufficient to a subsequent transaction. GSEs are confident that the expansion of the waiver program has not increased the risk, and their regulator has approved the use of waivers, sending a signal that the risk exposure is under control.

But even with waivers, there will be a time when these properties will need to be reconsidered. At some point there will be questions about changes to the property that a professional appraiser will need to answer.

But will it be a return to the full assessment methodology of the past? Chances are we may see an appraiser role or one supervised by an appraiser where we send someone to collect physical information and provide feedback to lenders and agencies on the continued reliability of the initial data set. .

If that sounds like a role we could give to a computer, then you should know that every system needs to be measured and maintained to make sure the algorithm is still delivering reliable results.

When an automobile leaves the assembly line, it is not only presented to the general public. It’s tested. We will have to do the same. In fact, we’ll be even more important because, unlike the automotive industry, we don’t have a standardized approach to collecting and developing real estate data.

There can be a big gap between what intended users need in terms of real estate data, think lenders and tax assessors. The human appraiser must navigate through this pool of non-standardized data to come to reasonable conclusions when estimating the value of the property.

Before COVID, pretty much all real estate finance transactions were treated the same in terms of appraisal requirements. Today that has changed and it will not change back.

Lenders and their investors now know that some transactions will likely still require a full appraisal, but many will not. If a lender takes over a property as an REO after foreclosure, you can bet they’ll want a full appraisal so they can be confident in their estimate of the severity of the losses. But refinancing at 30% LTV using a 15-year note probably won’t require the full nuts and bolts approach. This is not a new concept, valuation validation has been in the risk nomenclature for quite some time, it just wasn’t very widely practiced.

Through all of these changes, our roles will remain the same. We will continue to bring the data together and make sense of it, providing key and relevant feedback to our lender clients on which to base a decision, which is all the assessment was ever designed to provide.

Do you have comments or would you like to submit your own content? Become a member of the Appraisal Buzz forum and comment below or email comments@appraisalbuzz.com.


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Egypt seeks $ 2 billion syndicated loan https://inzercepujcek.net/egypt-seeks-2-billion-syndicated-loan/ https://inzercepujcek.net/egypt-seeks-2-billion-syndicated-loan/#respond Thu, 07 Oct 2021 09:21:00 +0000 https://inzercepujcek.net/egypt-seeks-2-billion-syndicated-loan/ © Reuters. FILE PHOTO: A general view shows Tahrir Square, after its renovation, following the coronavirus disease (COVID-19) outbreak, in Cairo, Egypt July 13, 2020. REUTERS / Mohamed Abd El Ghany / File Photo CAIRO (Reuters) – The Egyptian government has launched a 3-year syndicated loan with green and Islamic finance components with the aim […]]]>

© Reuters. FILE PHOTO: A general view shows Tahrir Square, after its renovation, following the coronavirus disease (COVID-19) outbreak, in Cairo, Egypt July 13, 2020. REUTERS / Mohamed Abd El Ghany / File Photo

CAIRO (Reuters) – The Egyptian government has launched a 3-year syndicated loan with green and Islamic finance components with the aim of raising $ 2 billion, Emirates NBD bank said in a statement on Thursday.

Emirates NBD Capital Ltd and First Abu Dhabi Bank PJSC are mandated as joint global coordinators, lead arrangers and bookkeepers for the deal, the UAE-based bank said.

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