Adventure series – Urban Art Adventures http://www.urbanartadventures.com/ Wed, 12 Jan 2022 07:36:20 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://www.urbanartadventures.com/wp-content/uploads/2021/11/icon-17.png Adventure series – Urban Art Adventures http://www.urbanartadventures.com/ 32 32 The future of FinTech in 2022 https://www.urbanartadventures.com/the-future-of-fintech-in-2022/ Wed, 12 Jan 2022 07:36:20 +0000 https://www.urbanartadventures.com/the-future-of-fintech-in-2022/ Financial institutions are looking for new ways to generate income while providing more personalized customer service. Financial Technology or Fintech is a great solution that can help them do both. Fintech companies make it easier for people to monitor their investments, save money by analyzing their spending habits, and find the best loans. Whether personal […]]]>

Financial institutions are looking for new ways to generate income while providing more personalized customer service. Financial Technology or Fintech is a great solution that can help them do both.

Fintech companies make it easier for people to monitor their investments, save money by analyzing their spending habits, and find the best loans. Whether personal or someone looking for payday loans in vancouver.

Think of this technology (Fintech) as banking 2.0.

Something current banks are not at all fan of. Because it allows consumers to save or eliminate monthly fees and provide a more decentralized alternative.

There are many startups in this industry that have successfully disrupted financial services with innovative technologies. While consumers love it, today’s banking oligarchs aren’t the most enthusiastic. The financial industry is undergoing a digital transformation and this area is one of the most promising in terms of innovation. The question is whether the banks will catch up or be wiped out.

Let’s take a look at some of these companies that are making a dent in the fintech space.

To earn

Earnin is a mobile app that helps you earn money by offering to do tasks for others. Someone sends you an offer and if you accept, you complete the task and earn your fee.

Earnin has the potential to disrupt the freelance industry, as freelancers can now work on these tasks anytime, anywhere with their smartphones. It also eliminates all the overhead costs associated with maintaining an office – rent, utilities, business development, etc.

All of this translates into higher profits for businesses and lower costs for consumers.

They may also seek to obtain video games / metaverse and offer their services.

Which can literally explode the growth of this application.

The Dave app

Who would have thought that one day the already streamlined payday loan industry model would be disrupted by new technology.

The Dave App is a new app that will soon put an end to the stress and mental anguish of low-income people. It was developed by a team of developers and is currently in the testing phase.

The app will allow users to get cash within minutes of submitting a payday loan application. The process is very simple and it doesn’t matter if the person has a bank account, pays their bills on time or even has a credit history. This app was designed to help low income people get back on their feet.

Users can request up to $ 1,000 through the app and they can be approved instantly without asking questions. They just need to provide some basic information like name, date of birth, contact details etc. which is used only for identity verification purpose.

Carillon

Chime is a financial services company in the United States. They provide banking services to the underbanked, enabling them to receive loans and credit cards in an instant.

This fintech startup can be used anywhere in the United States, so it is able to offer more convenience than its competition.

Their mission is to “make banking easy” because they want to give people the bank account they deserve.

Chime also has many different features that are not offered by other banks, such as text alerts for every transaction.

This makes it easier for customers to find out what’s going on with their account.

KOHO Financial

KOHO Financial is a company that offers innovative and personalized solutions to Canadians.

The company was established in 2015 with the vision of providing the best user experience for people who are starting their financial journey. KOHO started out as a mobile banking app that gave Canadians options to design their ideal banking experience.

The company has now expanded into other areas such as mortgages, personal loans and equity trading.

Through its innovative and inventive business model, KOHO has helped Canadians find their financial freedom and explore what it means to be financially independent.

Although they are currently working with banks, their most popular product is prepaid debit which has eliminated all fees. A lot of people are migrating to this card. Especially the former Visa holders, who are not good banks.

To advance

With the increasing digitization of our finances, Fintech is the new frontier of the financial sector. There are many players competing to provide customers with a better experience.

The future of FinTech is very promising. Banks will have to adapt to this new technology and offer features that are not currently available in order to remain competitive.

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Benefits of Payday Loans – BOSS Magazine https://www.urbanartadventures.com/benefits-of-payday-loans-boss-magazine/ Mon, 29 Nov 2021 23:46:11 +0000 https://www.urbanartadventures.com/benefits-of-payday-loans-boss-magazine/ Reading time: 2 minutes Payday loans are short term, high interest loans that cash strapped people take out to meet their needs. The risks of payday loans may seem quite high but compared to their benefits, the risks seem low. Many people with low incomes (less than $ 40,000 per year) typically take out payday […]]]>
Reading time: 2 minutes

Payday loans are short term, high interest loans that cash strapped people take out to meet their needs. The risks of payday loans may seem quite high but compared to their benefits, the risks seem low. Many people with low incomes (less than $ 40,000 per year) typically take out payday loans. Some 12 million Americans, mostly young people (ages 20-30) who are studying or settling into a new life. There are payday lenders in many US cities and you can take payday loans in cleveland, California, Texas, New York, virtually anywhere. Let’s talk about some benefits, now that we’ve removed the basics.

INSTANT AVAILABILITY OF FUNDS AND STRESS-FREE QUALIFICATION

Payday loans are a great way to deal with unforeseen costs that you didn’t see coming. They are quick to get and easy to take because most lenders promise cash flow within the next 24 hours. The interest rates on payday loans are higher than many other types of loan programs. However, they more than make up for their quick uptime and the convenience they offer.

The biggest problem most people face when applying for a loan is the fear of rejection, but in the case of payday loans all you need to provide is basic personal and financial proof, and you can. get a loan. Many times even a poor one credit rating does not hinder your qualification when applying for a loan, and it is established that when you pay off the loan with interest, it will simply be part of your next paycheck.

CONFIDENTIALITY ASSURANCE AND EASY APPLICATION

In the case of payday loans, you may wonder if it is safe to provide sensitive personal and financial information to the lender, but rest assured, lenders cannot share your information with anyone without your consent. even for marketing purposes, as this is a legal offense. All you have to do is go to the website, fill out a form, and wait for approval. It is literally that easy. There are no additional costs, hidden charges and obligations. It is very easy to apply for and receive loans and all people can be considered eligible to receive these funds.

NO INTERMEDIATE AND AUTOMATIC TRANSACTIONS

Many loan companies use brokers or middlemen to complete the transaction, and middlemen typically take around 10-15% of the transaction. Payday loans remove this cost by eliminating the need for intermediaries. The need for intermediaries is already drastically decreasing due to the ongoing transition of business transactions to the Internet.

Payday loans go a step further because no complicated paperwork is required. You can contact the lender directly and be considered eligible to receive the loan. As soon as your loan application is approved, the money is transferred directly to your bank account. Some lenders may require you to set up a recurring payment plan, which allows lenders to withdraw their contributions directly from your account. This plan is suitable for those who don’t want to micromanage their money. You might think it’s risky, but don’t worry, this is a regulated industry.

]]> Increase the number of options for payday borrowers | Letters https://www.urbanartadventures.com/increase-the-number-of-options-for-payday-borrowers-letters/ Mon, 29 Nov 2021 22:00:00 +0000 https://www.urbanartadventures.com/increase-the-number-of-options-for-payday-borrowers-letters/ Payday loans are literally the only option for the poor for financing small, short term loans. This predatory debt trap directly benefits poverty by confusing loan terms and high interest rates, essentially monetizing the poor. The solution? Increase the options. Traditional banking companies and the federal government can provide a competitive solution, lowering prices for […]]]>

Payday loans are literally the only option for the poor for financing small, short term loans. This predatory debt trap directly benefits poverty by confusing loan terms and high interest rates, essentially monetizing the poor.

The solution? Increase the options. Traditional banking companies and the federal government can provide a competitive solution, lowering prices for the borrower and relieving unnecessary debt pressure on the poor.

SEND LETTERS TO: letters@suntimes.com. We want to hear from our readers. To be considered for publication, letters must include your full name, neighborhood or hometown, and a phone number for verification. Letters should be a maximum of around 350 words.

Bank of America, one of these spearheads, already offers low-value loans with fixed fees, with no late or overdraft fees. Making small amount loans readily available on such a large scale allows payday borrowers to catch their breath, especially during the uncertainty of the pandemic. Other banks are expected to follow suit.

The federal government can also provide such loans through the postal service, especially given the established and easily accessible storefronts in areas without traditional bank branches. The postal service is expected to implement low-value banking and lending with the cooperation of the federal government, a traditional bank, or both. With more options, payday borrowers can focus on getting back on their feet rather than falling into a confusing debt trap.

Udaykiran Vissa, Saint-Louis

The DeJoy bonus

There is no DeJoy in Mudville to read in your editorial that Postmaster Louis DeJoy at $ 300,000 and over is the highest paid in history and received a “performance bonus” of $ 75,000.

I hope whoever made this stupid decision sent him the bonus check.

Illinois Senator Dick Durbin

Combating violence begins with cooperative civic leadership

Although I agree with Mayor Lori Lightfoot’s response to Ald’s interview with Fran Spielman. George Cardenas that “the root causes of community violence are deep, complex, and generations in the making”, I did not find Cardenas’ views on crime or leadership to be “misinformed”.

One theory I believe, after 38 years of serving as a Chicago police officer in numerous positions across the city, is that the crime is co-linked but not caused by the hot weather, the COVID-19 pandemic, or the broken windows. Moreover, “guns, gangs and drugs” are common phrases with no lasting solutions.

Experienced and enlightened civic leadership, including academics, government officials and police officials, is a start. Collectively, they are responsible for policy, police training and morale, and public safety relations with the public. The solutions are clear. Implementation is difficult but begins with collective and cooperative civic leadership.

Richard Guerrero, University Village

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QuickQuid payday lender clients can repay up to half of their loans https://www.urbanartadventures.com/quickquid-payday-lender-clients-can-repay-up-to-half-of-their-loans/ Mon, 29 Nov 2021 15:26:08 +0000 https://www.urbanartadventures.com/quickquid-payday-lender-clients-can-repay-up-to-half-of-their-loans/ The country’s former largest payday lender, QuickQuid, is liquidated by administrators who now say it will repay 30-50 pence on £ 1 in loans to clients next year QuickQuid administrators will pay approximately 78,500 customers ( Image: Getty Images) Borrowers who have been mis-sold by collapsed payday lender QuickQuid will get back 30p to 50p […]]]>

The country’s former largest payday lender, QuickQuid, is liquidated by administrators who now say it will repay 30-50 pence on £ 1 in loans to clients next year

QuickQuid administrators will pay approximately 78,500 customers

Borrowers who have been mis-sold by collapsed payday lender QuickQuid will get back 30p to 50p for every £ 1 they loan.

This means that the typical payout will be around £ 850.

QuickQuid was Britain’s largest payday lender, but it closed in 2019 after its owner, Enova, left the UK market “due to regulatory uncertainty”.

The company had more than 3,000 unresolved complaints filed against it with the Financial mediation service by the time it closed.

Most of them were from clients who claimed to have obtained loans that they could not afford to repay.

QuickQuid is one of the brands of CashEuroNet UK, which also operated On Stride – a provider of long-term and larger loans and formerly known as Pounds to Pocket.

What do you think of the news? Let us know in the comments below







QuickQuid was the country’s largest payday lender before it closed
(

Picture:

PENNSYLVANIA)

All have now stopped lending and are part of the administrative process led by accountants Grant Thornton.

Grant Thornton’s latest report said mis-sold customers would be repaid part of their loan by March of next year.

The company said it was handling 169,076 complaints regarding QuickQuid.

The Trustees accepted 78,519 of those claims, for a total value of £ 135.7million.

The average claim is £ 1,700, which means the typical QuickQuid customer would get 30-50%, or around £ 850.

Customers will not get the full value of their claim because there are more claims to pay than there is money to pay them.

Grant Thornton previously warned that compensation for successful claims would be “considerably lower” than it would have been before the lender’s bankruptcy.

However, the amount owed to QuickQuid customers is much higher than that paid to borrowers from bankrupt payday lender Sunny last year.

About half a million people who were mis-sold by Sunny only got 1% compensation .

Sunny’s directors, KPMG, said clients who had wrongly sold policies before the company went bankrupt in June would likely lose any money owed.

Grant Thornton stopped supporting complaints from QuickQuid customers in February, so if you haven’t already, now is too late.

The company also said that around 2,000 QuickQuid customers had a loan of £ 100,000 with the lender, which would be repaid to them.

Earlier this month, The Mirror reported that the Aqua credit card company has lost several disputes with customers who say they have falsely loaned money and increased credit limits to people who would have trouble keeping it. refund.

These included people about the benefits and problem gamblers, some with so much debt that they had to withdraw 13 payday loans.

The Financial Ombudsman Service (FOS) sided with the consumer in nine decisions against New Day, Aqua’s parent company, in just three months.

One of those clients, Mrs S, took out a New Day card in June 2019 with a credit limit of £ 450.

The customer said she used the money to gamble and approached her credit limit.

Despite this, New Day raised it to £ 1,200 in September 2019, and Ms S complained to FOS that the company should have prevented this.

New Day told FOS he had no way of knowing about the gambling problem, but admitted it was wrong to increase the credit limit.

Read more

Read more

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QuickQuid payday lender clients can repay up to half of their loans https://www.urbanartadventures.com/quickquid-payday-lender-clients-can-repay-up-to-half-of-their-loans-2/ Mon, 29 Nov 2021 15:26:08 +0000 https://www.urbanartadventures.com/quickquid-payday-lender-clients-can-repay-up-to-half-of-their-loans-2/ The country’s former largest payday lender, QuickQuid, is liquidated by administrators who now say it will repay 30-50 pence on £ 1 in loans to clients next year QuickQuid administrators will pay approximately 78,500 customers ( Image: Getty Images) Borrowers who have been mis-sold by collapsed payday lender QuickQuid will get back 30p to 50p […]]]>

The country’s former largest payday lender, QuickQuid, is liquidated by administrators who now say it will repay 30-50 pence on £ 1 in loans to clients next year

QuickQuid administrators will pay approximately 78,500 customers

Borrowers who have been mis-sold by collapsed payday lender QuickQuid will get back 30p to 50p for every £ 1 they loan.

This means that the typical payout will be around £ 850.

QuickQuid was Britain’s largest payday lender, but it closed in 2019 after its owner, Enova, left the UK market “due to regulatory uncertainty”.

The company had more than 3,000 unresolved complaints filed against it with the Financial mediation service by the time it closed.

Most of them were from clients who claimed to have obtained loans that they could not afford to repay.

QuickQuid is one of the brands of CashEuroNet UK, which also operated On Stride – a provider of long-term and larger loans and formerly known as Pounds to Pocket.

What do you think of the news? Let us know in the comments below







QuickQuid was the country’s largest payday lender before it closed
(

Picture:

PENNSYLVANIA)

All have now stopped lending and are part of the administrative process led by accountants Grant Thornton.

Grant Thornton’s latest report said mis-sold customers would be repaid part of their loan by March of next year.

The company said it was handling 169,076 complaints regarding QuickQuid.

The Trustees accepted 78,519 of those claims, for a total value of £ 135.7million.

The average claim is £ 1,700, which means the typical QuickQuid customer would get 30-50%, or around £ 850.

Customers will not get the full value of their claim because there are more claims to pay than there is money to pay them.

Grant Thornton previously warned that compensation for successful claims would be “considerably lower” than it would have been before the lender’s bankruptcy.

However, the amount owed to QuickQuid customers is much higher than that paid to borrowers from bankrupt payday lender Sunny last year.

About half a million people who were mis-sold by Sunny only got 1% compensation .

Sunny’s directors, KPMG, said clients who had wrongly sold policies before the company went bankrupt in June would likely lose any money owed.

Grant Thornton stopped supporting complaints from QuickQuid customers in February, so if you haven’t already, now is too late.

The company also said that around 2,000 QuickQuid customers had a loan of £ 100,000 with the lender, which would be repaid to them.

Earlier this month, The Mirror reported that the Aqua credit card company has lost several disputes with customers who say they have falsely loaned money and increased credit limits to people who would have trouble keeping it. refund.

These included people about the benefits and problem gamblers, some with so much debt that they had to withdraw 13 payday loans.

The Financial Ombudsman Service (FOS) sided with the consumer in nine decisions against New Day, Aqua’s parent company, in just three months.

One of those clients, Mrs S, took out a New Day card in June 2019 with a credit limit of £ 450.

The customer said she used the money to gamble and approached her credit limit.

Despite this, New Day raised it to £ 1,200 in September 2019, and Ms S complained to FOS that the company should have prevented this.

New Day told FOS he had no way of knowing about the gambling problem, but admitted it was wrong to increase the credit limit.

Read more

Read more

]]>
Payday Loan: Installment or Revolving?: How to Make Your Paycheck Loan Cheaper https://www.urbanartadventures.com/payday-loan-installment-or-revolving-how-to-make-your-paycheck-loan-cheaper/ Mon, 29 Nov 2021 13:20:51 +0000 https://www.urbanartadventures.com/?p=434 There are numerous states that offer cash-onpayday installment loans for a duration of a couple of months and an greater than $2,000. Could it be an affordable and more cost-effective alternative to payday loans or just another method to get you to pay more? Revolving loans and Installment Loans: Find out the distinction Installment Loans An […]]]>

There are numerous states that offer cash-onpayday installment loans for a duration of a couple of months and an greater than $2,000. Could it be an affordable and more cost-effective alternative to payday loans or just another method to get you to pay more?

Revolving loans and Installment Loans: Find out the distinction

Installment Loans

An installment-based loan is repaid in regular, similar-sized parts. The amount you’ll be required to pay and the interest rate, the period and the time frame for payment are all in place.

If you’re struggling to pay your monthly bills, it’s normal to request an extension. Be aware that you’ll continue to pay interest on the months you didn’t pay for.

Mortgages, student loans as well as car loans are all excellent examples for installment loans. In recent times the use of the payday installment loans are also becoming more frequent. Be aware, however, that unlike mortgages they are not a way to improve your credit history. Visit https://bridgepayday.com/ for more offers.

Revolving Credit

Revolving credit lets you avail loans at any time in the amount of a predetermined amount, and then pay it back in a timely way, but there is no set amount of installments, or a fixed time frame. Revolving credit is an acceptable form of credit inso long as you pay back the amount in a timely manner and, in particular, at the close of each month in full. If you fail to pay the debt at the month’s close, the amount due will be carried over to the following cycle and you’ll need to pay for higher fees. This is the main problem with credit cards that are revolving like credit cards and payday loans.

The rollover procedure is an auto-renewal system which occurs in the case it is discovered that the loan doesn’t get completely paid back by the end of the period. The process is basically one of extension, but it has additional charges. Renewal has a wider scope than rollover (you can renew your loan after you have paid the full amount, for instance) but in payday loans the two terms are interchangeable.

What happens when you transfer your loan?

In the past, cash advances were the most popular type of credit, which were based around. In recent years, an installment loan is now available in various states. We’ll be discussing these loans in the near future.

When you apply for the typical payday loan you’re required to repay the loan in the event of your next pay. However, some lenders deliberately hinder this process because they want that you continue to roll through the debt. To accomplish this, they use two strategies:

  • Short-term duration: it’s hard to calculate the total cost, including charges, in two weeks.
  • One payment: if you’re not in a position to pay for a specific portion of the debt over one week, for example , it has to be paid in one lump or else you’ll have nothing. Even if you receive money in the middle of your in borrowing it, you’ll probably to make use of it for another purpose, and you’ll reach the day to pay off your debt with nothing.

What are the implications of rolling overs on you and your budget? Take this example You’ve taken out the amount of $400 over two weeks. The cost is $50. If you’re unable to pay and have to rollover, you’ll pay only $50, but after two weeks, you’ll be required to pay the principal ($400) plus the new price ($50). The total amount to be paid for the loan will increase by $50 to $100. The more rollovers that you complete in one row and the greater the cost will rise.

Based on the CFPB the CFPB that the majority of payday loan borrowers are renewed or returned immediately after the payment has been made on the loan. A typical payday loan holder will pay $520 to settle a $375 loan. It’s the equivalent of $55 in two weeks. This is a total of being able to roll over the debt eight times!

Installations in response to the pressure of Regulatory Authorities

The payday lending industry is continually subject to pressure from regulators to increase their loan terms. In some states, rolling loans can be banned or restricted to a certain amount (to find out more about payday loan regulations in each state, read this article).

As a result, credit companies have created money-back installment loans, which quickly became well-known. In reality, a large research found that the majority respondents think that payday lenders should be able to repay with installments.

According to according to the Pew Trust, creditors in 26 states have issued these loans. For example, Texas has both single loans (due within 2 to 4 weeks) and multiple installment loans for up to six months. In some states, installments are allowed up to the specified threshold (e.g. the threshold is $2,500 in California and $2,000 in Alabama). Surprisingly, the loans look superior to the standard payday loan.

  • A repayment term that can range from one month up to one year;
  • The maximum borrowing limit is higher (up to $2,000 or more);
  • In nominal terms, lower APR.

However, despite the popularity in these kinds of loans installment loans aren’t what they seem to be.

The 3 risky aspects of payday installment loans

  • The larger loan amounts keep you indebted for longer and, even with a lower interest rate, you might incur more costs. For example that the state of Ohio where the short-term loan rate is 28, payday loan lenders provide loans lasting Between 26-34 weeks, with an APR that is between 275 to 360 percent.
  • The idea of security that is not real encourages people to look for loans of every kind and add to their debt load as a study from the past that was conducted.
  • As installment loans look ‘respectable’ they are now able to concentrate on those with greater incomes and higher credit scores.

Do you want to pay for rollovers or take out a payday Installment Loan?

If you take out a typical two-week payday loan and you are paying hundreds of dollars in charges if you need to repeat the loan and possibly more than the sum you borrowed in the first place. Due to this, it is illegal to roll it over is banned in a number of states, including California, Florida, Michigan, Ohio, and Texas. However, lawmakers are favor of using the payday installment loans as a way to protect consumers.

In the end, generally, installment loans can be cheaper and safer than payday loans that are regular. But, installment loans also carry risk. Be aware that payday lenders came up with installments to prevent problems with regulators rather than in order to help make life for those who borrow easy. So, even though the payday installment loan might be cheaper to repay, don’t think of it as a typical installment loan that banks offer.

What’s the best solution for the customer who needs to borrow? A payday loan based on repayment as well as an installment? In the near future, most payday loan applications will change to an installment loan and this will be the better option for you too. Be aware, however, that payday installment loans can be very costly and should only be used to cover emergencies in the case that you’re unable to find a low-cost loan elsewhere. For more information on payday loan rules in your particular state visit your state’s Law & Legislation section.

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7 apps to help you with money worries and financial stress https://www.urbanartadventures.com/7-apps-to-help-you-with-money-worries-and-financial-stress/ Sun, 28 Nov 2021 13:00:00 +0000 https://www.urbanartadventures.com/7-apps-to-help-you-with-money-worries-and-financial-stress/ Dealing with financial stress can be difficult for many. After all, it can be embarrassing to talk about money or ask others for help. Even if it doesn’t seem like it, most people go through periods of financial stress from time to time. If you are going through a stressful financial time, there are apps […]]]>

Dealing with financial stress can be difficult for many. After all, it can be embarrassing to talk about money or ask others for help. Even if it doesn’t seem like it, most people go through periods of financial stress from time to time.


If you are going through a stressful financial time, there are apps that can help you navigate it. Whether you need to budget, improve your credit score, or earn some extra cash, these smartphone apps can help.


1. Stable

Steady is an income-generating app that earns money by directing users to free offers (or free trial) and gives you a percentage of its earnings. Basically you get paid to sign up for free stuff.

For example, you can claim $ 50 when you sign up for a free bank account. Or $ 5 when you use a free credit score booster. Steady pays you in the app, so you don’t have to go to every vendor to collect your earnings. Although sometimes you can get additional income from the vendors as well.

Steady also has a database of concert-based works, where you can earn extra money that day. You also get a Steady bonus for signing up. Its database also includes home jobs, like writing captions or even serving on an online jury.

VIDEO OF THE DAY MAKEUSE

To download: Fixed for ios | Android (Free in-app purchases available)

2. Mint

Mint makes it easier to manage your finances, which can help you get out of a financial hole. Sometimes budgeting can be too stressful and we can miss important payments. With Mint, you don’t have to worry about it anymore.

The Mint app tracks all your finances and calculates your active subscriptions. It also shows you your current net worth based on your assets, so you can see if you are living beyond your means.

Mint is also loaded with other great features, such as tracking your credit score and tracking your tax refund. You also get personalized information about your spending habits to see if you’re overspending in certain categories.

To download: Mint for ios | Android (Free, subscription available)

3. Acorns

If you’re struggling to save money for retirement, consider using Acorns. Acorns is an investment service that rounds all your purchases to the nearest dollar. Then this money is deposited into a retirement account.


For example, if you spend $ 1.55 on a coffee, the Acorns app will round up to $ 2.00, putting $ 0.45 into your retirement account.

While it may not seem like much, it does add up over time, giving you a head start when you’re in a position to save more money for retirement.

Related: Robinhood vs Stash vs Acorns: Which Investing App Is Better?

If you want to set up simple recurring investments, Acorns allows you to do that as well.

With Acorns, your money is automatically deposited into wallets selected by experts. You can also choose to deposit your funds into an IRA.

To download: Tassels for ios | Android (Subscription required)

4. Credit Karma

Sometimes getting into better financial shape means improving your credit score. After all, a better credit score means you can get lower interest rates on new or existing credit cards. It also means more affordable loans and a cheaper mortgage payment.


The Credit Karma app provides free tools to check your credit score without performing a strict credit check on your account. Some other credit score checkers do this, making your credit check even more damaging to your credit score.

Related: How to Freeze Your Credit and Protect Your Finances From Fraud

That’s not the case here. Credit Karma also provides financial advice and lets you know if you’ve missed a payment.

For those with large credit card debt, Credit Karma also offers advice on a consolidation loan. This loan is generally low interest rate and consolidates all your debts into one monthly payment.

To download: Credit Karma for ios | Android (To free)

5. Real invoice

Truebill makes it easy to see what active subscriptions you have and to cancel subscriptions you no longer use. Truebill also checks if there are any subscriptions you forgot and are still paying.


Truebill makes it easy to cancel subscriptions or see when a price goes up.

Truebill also has a bill negotiator, which can help you lower your monthly bills. The advantage of its bill negotiator is that you don’t pay a dime unless the price is successfully reduced. The amount you usually pay is around 40 percent of the amount saved, which means you get the remaining 60 percent for yourself.

To download: Truebill for ios | Android (Free, subscription available)

6. NerdWallet

NerdWallet, another great budgeting app, tracks your spending and gives you ideas on how to save money. NerdWallet offers credit score checks, financial advice, and financial planning, all for free.

Related: Make a Personal Budget with Microsoft Excel with These Easy Steps

NerdWallet is known for its credit card analysis, and the NerdWallet app will let you know your chances of approval before you apply for a new card. After all, you can only make a certain number of requests for your credit score information in a given time period. If you write a check and don’t get approved for a card, that means you’ve lost your application.


To download: NerdWallet for ios | Android (To free)

7. Win

Earnin is a payday advance that allows you to access your paycheck a few days earlier. If you have an invoice that needs to be paid now but your paycheck is in a few days, consider using Earnin.

Unlike traditional payday loans, Earnin does not charge a fee. However, users are encouraged to tip when they receive their payday advance.

Although Earnin asks for tips, you don’t have to give anything. Earnin also generates money through affiliate commissions within the app.

Earnin deposits your money into your checking account and sends you notifications when you need to pay it back. This will usually be your payday and will be the amount you have withdrawn, plus the optional tip of around $ 5 on average.

Make sure you only use Earnin if you have a guaranteed check or direct deposit on the way and only if you are sure you can pay for everything when you get paid.


To download: Win for ios | Android (To free)

Reduce your financial stress and live comfortably

While finances can be stressful at times, there are some great apps that can make your financial situation easier. The days of hand balancing checkbooks are long gone, and technology has given us many great tools to understand our finances.

Apps make our life easier, so why wouldn’t we want them to help us manage our finances as well? By understanding our budgets, improving our credit rating, and saving for the future, we can feel more comfortable in the present.


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Sacramento County Jail Gets Coverage From Sacramento Bee … Almost. An open letter to Marcos Breton of Sacramento Bee https://www.urbanartadventures.com/sacramento-county-jail-gets-coverage-from-sacramento-bee-almost-an-open-letter-to-marcos-breton-of-sacramento-bee/ Sat, 27 Nov 2021 03:20:20 +0000 https://www.urbanartadventures.com/sacramento-county-jail-gets-coverage-from-sacramento-bee-almost-an-open-letter-to-marcos-breton-of-sacramento-bee/ Covered windows in the segregation cell area at Sacramento County Jail By Mark Dempsey Dear Mr. Breton, Thanks for covering the Sacramento County Jail on November 10th. Based on your coverage and the overall philosophy of American incarceration, I had suggested this motto for our justice system: “The beating will continue until morale improves.” “ […]]]>

Covered windows in the segregation cell area at Sacramento County Jail

By Mark Dempsey

Dear Mr. Breton,

Thanks for covering the Sacramento County Jail on November 10th. Based on your coverage and the overall philosophy of American incarceration, I had suggested this motto for our justice system: “The beating will continue until morale improves.” “

You mentioned that Sacramento lost a lawsuit because it mistreated prisoners, but left out a few details. For example, crime, arrests and convictions have all decreased, yet as you mention in your article the prison remains full, sometimes beyond its original design capacity.

The Decarcerate Sacramento organization estimates that 50 to 70 percent of jail prisoners are not convicted of anything; they just can’t pay the bond. That’s right, it’s illegal to be poor in Sacramento County.

You also didn’t mention that the United States has five percent of the world’s population, but 25 percent of its prisoners. This is five times the world average per capita, and more prisoners in absolute numbers or per capita than any other country, including South Africa, Cuba and the apartheid USSR.

Canada is demographically identical, but per capita, there is only one seventh of the number of incarcerations in the United States. So, is Canadian crime worse than American crime? Nope. Much the same.

California voters recently approved some proposals to counter this draconian regime, but the fight against this sensible move has included lies from our sheriff and opposition from Sacramento’s own attorney. San Francisco elected a district attorney to implement these proposals, and now DA faces a well-funded recall, despite the continued drop in crime.

The problem lies as much with what goes on outside the prison as it does inside. The Federal Reserve reports that 40% of the American population cannot handle a $ 400 emergency without selling something or borrowing. And loans, especially payday loans, and even credit card loans, are at exorbitant rates.

The desperation of a population attacked by creditors, riddled with COVID, scratching from paycheck to paycheck, is played out in clashes with the police. I have police friends and I would like their jobs to be safer, with fewer encounters with desperate people.

But the beating will continue until morale improves.

It used to be common sense to believe that public aid was a cheap way to buy social peace. Today, a large part of the population thinks that welfare recipients are cheaters and fraudsters.

The politically popular remedy for our social ills has been to cut welfare and food stamps. Not only that, crushing unions, labor defenders, has been a permanent project of our public decision makers.

Fraud and cheating abound among the rich. Due to fraudulent loans, an estimated 10 million homeowners lost their homes in the subprime / derivative collapse. Who got the bailout? Wall Street, not Main Street.

None of these Wall Street criminals went to jail, instead they paid dollar fines for their loot.

Also politically popular: no more policing. Between 1981 and 2017, the United States experienced a 42% population increase. During the same period, funding for the police increased 187.5 percent. The blows will continue …

George Santayana was right when he said that “Americans are a primitive people, disguised by the latest inventions”.

Bloodlust for more policing and punishment is ineffective, but the current system keeps people angry and defensive, much like your report on prison abuse that ended in anecdotes on how the released people terrorize the neighborhood around the prison.
But… the beating must continue until morale improves.

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Attorney General shuts down Amherst collection businesses, raises $ 1.2 million https://www.urbanartadventures.com/attorney-general-shuts-down-amherst-collection-businesses-raises-1-2-million/ Sat, 27 Nov 2021 01:36:47 +0000 https://www.urbanartadventures.com/attorney-general-shuts-down-amherst-collection-businesses-raises-1-2-million/ AMHERST, NY (WIVB) – Attorney General Letitia James is shutting down a debt collection firm in Amherst that the AG accused of using bogus and deceptive tactics to crush consumers. The attorney general described the operation in Amherst as an illegal debt collection scheme because it involved three companies, all owned by the same businessman […]]]>

AMHERST, NY (WIVB) – Attorney General Letitia James is shutting down a debt collection firm in Amherst that the AG accused of using bogus and deceptive tactics to crush consumers.

The attorney general described the operation in Amherst as an illegal debt collection scheme because it involved three companies, all owned by the same businessman who has been in his agency’s sights for at least two years.

All three companies, including Northwood Management Group, LLP, operated out of a building in the College Park office complex. The owner of the three companies, Andrew Fanelli, signed what is called an interruption insurance, agreeing to shut down all three companies and pay more than $ 1 million in penalties.

“Things like telling someone they could go to jail for an unpaid debt or have their license suspended for a payday loan. It’s just not true, we don’t have debtor prisons anymore, ”said Christopher Boyd, Deputy Attorney General.

Deputy Attorney General Christopher Boyd led Northwood Management’s investigation, which was detected by their radar screen two years ago. Owner Andrew Fanelli was collecting debts for fundraising mainstay Douglas MacKinnon when Attorney General Letitia James shut down Operation MacKinnon in 2019.

Christopher Boyd told us that Northwood management has mainly focused on high interest debt, such as payday loans, even loans that have been written off.

“So this is older debt, high interest debt that is bought very cheaply from the original creditor, so pennies on the dollar,” Boyd added.

But Andrew Fanelli’s attorney, Eric Soehnlein, issued a brief statement telling us in part that the settlement does not include any finding or admission of wrongdoing and provides financially advantageous terms. That Fanelli intended to withdraw from the business even before the settlement.

“When the Attorney General began his investigation, Mr. Fanelli was already considering leaving the collection industry. After learning about the investigation, he made a pragmatic business decision and chose to resolve the case to focus on other business activities.

Notably, the settlement does not include any finding or admission of wrongdoing on behalf of Mr. Fanelli, it provides financially advantageous terms and explicitly allows him to remain in the collection industry for six months to terminate his activities. He looks forward to new ventures in the near future.

Eric M. Soehnlein, partner, Lippes Mathias LLP Avocats

But Boyd said these bogus threats have had a real impact on people’s lives.

“They have a hard time paying the rent, putting food on the table and coming up with a false threat that you’re going to be arrested unless you pay off one of those old high interest debts, that is. really inadmissible, ”Boyd said. noted.

The Attorney General enforces a number of federal and state laws that protect consumers from deceptive debt collectors. For more information, click here.

Al Vaughters is an award-winning investigative journalist who has been with the News 4 team since 1994. See more of his work here. To submit a Call 4 action, click here.

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Murnike Hayes Obituary – The Gila Herald https://www.urbanartadventures.com/murnike-hayes-obituary-the-gila-herald/ Fri, 26 Nov 2021 22:32:24 +0000 https://www.urbanartadventures.com/murnike-hayes-obituary-the-gila-herald/ Murnike Hayes returned home to be peacefully with the Lord in her home surrounded by her family on November 15, 2021. She was born in San Angelo, Texas on September 21, 1938, to her parents, Willie Rochelle (Big Daddy) and Surdaler Barnes (Big mom). She was the fifth of eight children. In 1957, she and […]]]>

Murnike Hayes returned home to be peacefully with the Lord in her home surrounded by her family on November 15, 2021. She was born in San Angelo, Texas on September 21, 1938, to her parents, Willie Rochelle (Big Daddy) and Surdaler Barnes (Big mom). She was the fifth of eight children.

In 1957, she and her family moved from San Angelo, Texas to Safford, Arizona, where she then met the love of her life, Elverner Hayes, and welcomed her daughter, Margaret A. Hayes. She started working at the Settles department store in downtown Safford. In 1968, she and her two young daughters, Yvonne and Elaine, who were her pride and joy, moved to California where she pursued her career in retail. In the 90s, she returned to Safford and soon after opened Nike’s Payday Loans. His business was one of his proudest accomplishments.

She enjoyed cooking, listening to the blues, and spending quality time with her family. Her nieces and nephews held a special place in her heart. Although she suffered a stroke in 2012, she continued as a matriarch and head of her family. Everyone in town knew who ‘Nike’ was. She was so admired. Every time she went somewhere in town she was stopped and greeted by others. Murnike had such a charming quality; a magnetic pull that attracted everyone to her. She was truly a loving soul.

Murnike Hayes

Murnike always tried to help those in need. She would do whatever she could to help others; sit with them; listen to their stories and offer the best advice. She had the quality of unconditional love. She gave so much of her love to others and this is what she passed on to her family. She dedicated her life to the Lord and was baptized on March 28, 2021.

Murnike was predeceased by her parents; brothers, Rochelle, Leroy, Wilbert and Willie, and her sisters, Rosetta and Mary. She is survived by her younger brother, Luther Barnes, and his wife. Carrie; daughters, Yvonne and Elaine; son-in-law, David, and his eight grandchildren, Shannon, Jessica, Amanda, Randy, Nathan, Tiffany, Stevie-Ray and Eric. She also had seven great-grandchildren and a host of nieces and nephews.

A visit will be held on Saturday, November 27 at 10 a.m. at the River Church. The funeral will then be at 11 a.m. at The River Church and interment services will follow at Safford Cemetery.

Arrangements are made by McDougal’s Caldwell Funeral Chapel located at 112 E. Main St., Safford, Arizona, 85546, 928-428-1740, www.caldwellfuneralchapel.com.

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