Home Blog

A step-by-step procedure for finding a personal loan that is quick via the internet

0

Today’s technology allows the online lending of money by following a few simple procedures. Instant online loans are quick in satisfying any financial requirement or objective. If you have access to the internet and have a reliable internet connection, you are able to apply for a credit card at any time and at any point. This is the way to borrow money online to cover emergency situations.

Apply via your app on your lender’s website or the lender’s website

If you’re looking to take out money online, you will need to select the right lender. For making the loan application process easier, be sure to check the eligibility requirements on various lender websites. Complete the basic contact details along with information about your company and finances to determine if you’re qualified to get the loan. It is possible to do this using an online calculator to determine if you’re eligible.

For instance, create your profile as “employee” and thus check the eligibility criteria in the case of personal loans for workers. This is the first phase of verification of eligibility. It can be completed in under 30 minutes. If you can apply for credit after you meet the criteria from the bank, then it’s easier and simpler to secure fast credit. You can find the terms and calculators on the various applications of lenders or apply through the application.

Choose personal loan variables, such as length and quantity.

It is essential to make the loan match your specific needs regarding finances. Quantity and the duration of the loan are two important elements. When choosing these, it is crucial to think about the amount of repayment. To do this, it is necessary to determine your EMI with an internet-based calculator. In this case, for example, if you decide to take any of GreenDayOnline.com Personal Loans can be used, you will be in a position to alter the amount and length of the loan with the easy, straightforward, and user-friendly personal loans calculator. This will allow you to choose the best amount of loan and repayment period to ensure you make regular payments in order to improve your credit score during the course of.

Check your eligibility by providing additional documentation

Once you have been approved in accordance with your eligibility, you’ll need to provide evidence that allows the lender to confirm the authenticity of your request. This can be done on the internet by uploading the required evidence. Whatever your motives and whether you’re planning to submit an application for loans of a smaller size or for larger amounts, make sure that all your documents are in order prior to make your application. This can also reduce the time needed to obtain money online.

In most situations, you’ll need to submit the basic KYC documents like the PAN card or passport along with proof of income and employment like the bank statements for the employee identification card as well as payslips. After you have all the necessary documents, you’ll need to fill out an online form and mail it to the department.

Transfer funds directly to your account fast

Once the lender has examined your application and has given you the green light, then all you need to do is transfer the money into your bank accounts. The process typically happens fast. The most trustworthy lenders will transfer the amount of loan into your account within 24 hours of acceptance. This will enhance your convenience of getting loans online to meet your immediate needs.

After you’ve learned the best way to get money online, you need to pick a service that is well-known for its speed and efficiency in the application. For instance, Greenday offers personal loans that range from Rs.25 lakh. You can get the approval online in a matter of minutes, and the cash on your account in 24 hours of the approval. With your peace of heart, Greenday lets you repay your loan over up to 60-months.

Additionally, you can benefit from this Flexi loan facility offered upon your approval to make it easier to the repayment. You can opt to repay the loan a number of times depending on your needs and pay only fees on the loans that you require. You can decide to only pay monthly interest in the first year and reduce the IMEs by the rate of 45 percent. It could help you when you’re looking at immediate and unexpected needs.

You can also speed up the process of applying through an approved offer. Check out the pre-approved Greenday Personal Loan right now by entering just a few information and addressing your immediate needs without having to access the savings.

The Green Falcons soar bravely into the history books

0

LUSAIL, Qatar: Delighted fans erupted in joy across the Arab world on Tuesday following Saudi Arabia’s shock World Cup win over Argentina.

From Syria and Jordan to Gaza and Qatar – hosts of this year’s World Cup – fans rejoiced in Saudi Arabia’s achievement, one of the biggest upsets in the tournament’s history.

Immediately after their team’s 2-1 win, Saudi fans who attended the match in person flooded the streets outside Lusail Stadium waving their country’s green and white flags while chanting and chanting – and even hugging the distraught Argentina fans.

“I am speechless,” said Saudi fan Sultan Alharthi. “I can’t even explain how happy I am because I didn’t expect us to win.

Qatar’s ruling emir, Sheikh Tamim bin Hamad Al Thani, attended the game and at one point draped a Saudi flag over his shoulders. The moment, captured in an online video and widely shared, would have been unthinkable almost two years ago when Saudi Arabia and three other Arab countries boycotted Qatar over a political dispute.

In northwest Syria, the rebel stronghold of the war-torn country, residents gathered in cafes to cheer and celebrate after the final whistle. It was a welcome change for the enclave, where millions suffer from frequent airstrikes and poverty.

In the city of Idlib, Ahmad Al-Absi said Saudi Arabia’s victory was a much-needed morale boost for Syrians and Arabs in the Middle East, even if it meant seeing his favorite football team to lose.

“It shows that we have talented people who can achieve things on the world stage,” Al-Absi, an Argentine fan, told The Associated Press. “We dream of a better future as Arabs, and this morale boost reminds us that nothing is impossible.”

In the streets of Amman, Jordan, dozens of Saudi and Jordanian nationals celebrated in the streets, carrying Saudi flags or placing them on their cars and sounding their horns.

And in Gaza, Palestinian residents rejoiced, saying they stood with Saudi Arabia in their footballing glory moment. “They support us politically and socially, so these celebrations are a kind of reciprocity,” said Abu Khalil, a Gaza resident.

In Saudi Arabia, King Salman has announced an instant public holiday for all workers and students in the kingdom to celebrate the victory.

People watching the game in a fan zone in the capital, Riyadh, jumped for joy and cheered as the game ended. The drivers honked their horns in celebration. Saudi authorities also allowed free entry to a state-sponsored sports and entertainment festival.

The gravity of the victory will eventually be felt. Saudi Arabia are a team that had won just three World Cup matches in their history before Tuesday’s game. Argentina, who won the World Cup in 1978 and 1986, are – or were – one of the favorites this year.

“One for the books,” said Saudi coach Hervé Renard. “Sometimes things are completely crazy.”

Saudi goalkeeper Mohammed Alowais, who made two key saves late in the game, was nearly overpowered at the end, perhaps failing to grasp the magnitude of the upset.

“I am very happy with this result that we were able to achieve against this very busy team,” said Alowais solemnly. “We have prepared. We were 100% ready and hopefully we will have better results in the future.”

Despite leading 1-0 at half-time after a 10th-minute goal from Lionel Messi, perhaps the greatest football player of all time, Saleh Alshehri and Salem Aldawsari managed to score a goal each in the start of the second period.

Then came over 50 minutes, including end-of-game added time at the referee’s discretion, to keep one of the tournament favorites at bay.

“All the stars lined up for us,” said Renard, who won the Africa Cup of Nations as Zambia coach in 2012 and then again with Ivory Coast in 2015.

Renard has also coached Angola and Morocco, which he guided to the 2018 World Cup in Russia. He took control of Saudi Arabia in 2019.

“We made history in Saudi football,” Renard said. “It will remain forever. It is the most important. But we also have to think about the future because we still have two games which are very, very difficult for us.

Renard said he asked his players to limit the post-game celebration to 20 minutes.

“That’s all,” he said. “But there are still two games left – or more.”

They are yet to face Poland on Saturday and then face Mexico next Tuesday in Group C. The two are likely still favorites against Saudi Arabia, despite the upset.

He also suggested another possible truth: Messi and Argentina probably underestimated Saudi Arabia, who are only No.51 in the FIFA rankings. Argentina is No. 3.

“But you know the motivation is not like playing against Brazil,” he added.

What rising personal loan rates mean for borrowers – InsuranceNewsNet

0

And demand for personal loans has been high this year, Loots says, in part because personal loans are an attractive fixed-rate financing option that can be used for almost anything at a time when prices are high for almost everything.

Strong demand fueled competition among lenders, which kept personal loan rates low even as the Fed rate climbed, according to Salman Chand, Trans Union Vice President of Consumer Credit.

But the Fed and the state of the economy could put pressure on lenders. A Fed rate hike, coupled with fears of an economic slowdown, could cause lenders to tighten their borrowing criteria and make fewer loans overall, leading to higher personal loan rates.

“If you’re not making as many loans and your cost of borrowing goes up, you have no incentive to keep rates low and try to get as many consumers through the door,” Chand said.

Is it harder to qualify for a personal loan?

Lenders could tighten underwriting criteria if they believe a recession is likely, Chand says.

Since unsecured personal loans do not require collateral, lenders rely on applicants’ credit profiles and finances to determine if a borrower is likely to repay the loan.

According to a credit industry report from Trans Union.

Rising delinquency rates are a signal lenders use to decide whether or not to tighten approval standards, Chand says. If they do, consumers with good or bad credit scores (typically below 689) may find it difficult to qualify.

Rising unemployment could also trigger tougher borrowing standards as lenders fear giving loans to consumers who could be made redundant, according to catherine foxcertified financial planner and founder of Sunnybranch Wealth based in Portland, OR.

So far this year, unemployment has remained consistently low.

Even if lenders aren’t tightening their approval criteria, higher rates mean you may qualify for a lower loan amount than you would have gotten earlier this year, Fox says.

When deciding whether or not to approve your application, lenders look at how much of your monthly income goes to paying off debt, also called your debt-to-income ratio. They include the potential personal loan payment in this calculation.

For example, if a lender only accepts borrowers with a DTI of less than 40%, that would mean that all of your current debt payments, plus your new personal loan payment, could cost no more than 40% of your income. monthly.

Higher personal loan rates mean higher monthly payments, so a lender may approve you for a smaller loan to avoid overextending you, she says.

Is it the right time to take out a personal loan?

Your rate today may not be as low as it would have been a few months ago, Fox says, but it could go up.

If you plan to apply for a personal loan in the coming months, it’s a good idea to shop around and lock in a rate before it goes up again, she says.

For non-emergency expenses like home renovations and vacations, getting the best APR means waiting. If rates go down, it probably won’t be for at least a few months, Fox says.

“It’s either about moving quickly or being totally flexible because that rate cut could come sooner than any of us think or it could take longer,” she says.

Rates are up on other financial products like home equity loans and credit cards, but it’s always a good idea to compare other options to see where you get the lowest rate, says Ian FlowerCFP and owner of Open World Financial Life Planning at Raleigh, North Carolina.

Those with enough equity in their home can get a better equity financing rate than they would with a personal loan, and consumers with strong credit can qualify for a 0% credit card. APR, he said. With a zero rate credit card, pay off the balance during the promotional period to avoid a high rate.

Tips for lowering your personal loan rate

Rising APRs mean you may need to take more steps to get a low rate. Here are some tips to improve your chances of getting an affordable loan.

Pre-qualified. Pre-qualification allows you to check the amount, rate and repayment term of your personal loan without worrying about your credit. Online lenders, banks, and credit unions offer pre-qualification — and even if your bank doesn’t, you can present them with a pre-qualified offer and ask if they’ll beat that offer.

Consider a co-applicant or collateral. If your credit or DTI could prevent you from getting a low rate, consider a co-signed, joint or secured loan. With a co-signed or joint loan, you add someone with better credit and higher income to your application, and they promise to repay the loan if you don’t. With a secured loan, you provide collateral in exchange for a lower rate or a larger loan, but the lender can take the property if you miss payments.

Build your credit and reduce your debt. The best way to get a good rate is to have good or excellent credit (a score of 690 or higher) and a low DTI. If you’re not getting the deals you want through pre-qualification, it’s time to consider other borrowing options and work on paying off debt, which can strengthen your credit and reduce your DTI.

More from NerdWalletEstimate your personal loan paymentsHow to manage personal loan paymentsWhat a Fed rate hike means for borrowers, savers and homebuyers

Annie Millerbernd written for NerdWallet. E-mail: [email protected].

The article What rising personal loan rates mean for borrowers originally appeared on NerdWallet.

The Yoko Ono installation will be inaugurated at the National Museum

0

Works related to themes of peace drawn from the work of Yoko Ono, the most well-known contemporary Japanese artist and musician and ex-wife of John Lennon, will be displayed in the exhibition The War is Over! If you want it – Tribute to Yoko Ono, an exhibition opens on Sunday at the Hungarian National Museum in Budapest.

The world-renowned performance and contemporary artist, who turns 90 in February, will present interactive and performative works, as well as paintings, sculptures and short films.
László L. Simon, Director General of the National Museum, pointed out that the Yoko Ono exhibit raises awareness of the importance of peace. There is no need for war, because there are never really winners, only serious losers, and ethnic conflicts and economic problems cannot be solved by arms. He said that the fate of Hungarians was also involved in the senseless armed conflict in Ukraine, during which many Hungarians from Transcarpathia lost their lives or fled their homes.

Facebook Yoko Ono

The Director General said that proceeds from the Yoko Ono exhibition would be used to support the victims of the war in Ukraine.
Fifty-two years ago, leaflets were published in New York The war is over! If you want it. The project, initiated by Yoko Ono, was then joined by John Lennon as a sign of protest against the war in Vietnam, recalled Gábor Gulyás, curator of the exhibition, during the press conference.
Yoko Ono’s exhibition will feature more than 30 important works by the artist, the largest number of works ever presented together in an exhibition in Hungary.

Facebook Yoko Ono

Installation open your mind 90 inspires openness, featuring a key, an important motif in Japanese and Eastern cultures.
The performance piece To cut was one of the first artistic actions in the history of art to become a public artistic event. Yoko Ono performed it for the first time at the Sogetsu Art Center in Tokyo in 1964, then in New York and several major Western cities. In the original performance, the audience could cut a piece of Yoko Ono’s dress. The show will be presented nine times at the Budapest exhibition, the first time with actor Zsolt Trill, and the last time, on February 18, with Yoko Ono and John Lennon’s son, musician Sean Lennon.

Related article

The Hungarian Museum of Ethnography celebrates its 150th anniversary

The Hungarian Museum of Ethnography celebrates its 150th anniversary

On the occasion of this anniversary, the museum is preparing a cycle of conferences entitled “Around the world in 150 years”.continue reading

Featured photo: Facebook Yoko Ono

‘Put violence against women and girls in the history books,’ says Secretary-General in message for International Day

0

SG/SM/21591

NOVEMBER 18, 2022

Here is the message of the Secretary-General of the United Nations, António Guterres, on the occasion of the International Day for the Elimination of Violence against Women, celebrated on November 25:

Violence against women and girls is the most widespread human rights violation in the world.

Every 11 minutes, a woman or girl is killed by an intimate partner or family member — and we know that other stresses, from the COVID-19 pandemic to economic turmoil, inevitably lead to even more physical violence. and verbal. Women and girls also face rampant online violence, ranging from misogynistic hate speech and sexual harassment to image abuse and grooming by predators.

This discrimination, violence and abuse targeting half of humanity comes at a high cost. It limits the participation of women and girls in all spheres of life, denies their fundamental rights and freedoms, and blocks the equitable economic recovery and sustainable growth our world needs.

Now is the time to act to transform violence against women and girls.

This means that governments design, finance and implement national action plans to combat this scourge.

This means involving grassroots and civil society groups at every stage of decision-making.

This means ensuring that the laws are implemented and respected, so that survivors see their rights to justice and support respected.

This means supporting public campaigns that challenge patriarchal norms and promote different forms of masculinities that reject misogyny and violence.

And as this year’s theme reminds us – “UNITE: Activism to end violence against women and girls”, it means standing with activists around the world who are calling for change and supporting survivors of violence. I call on governments to increase funding for women’s rights organizations and movements by 50% by 2026.

Let’s take a stand and raise our voices for women’s rights.

Proudly declare: we are all feminists.

Let’s put violence against women and girls in the history books.

For news media. Not an official record.

Bankman-Fried received a $1 billion personal loan from his company

0

Sam Bankman-Fried, the founder of the FTX exchange and Alameda Research, a cryptocurrency trading platform, seemed to confuse his bank and his companies.

According to John Ray, the new CEO in charge of restructuring his empire which went bankrupt on November 11, Bankman-Fried received a $1 billion personal loan from Alameda.

He is not alone: ​​the firm, which is a kind of cryptocurrency hedge fundalso lent $543 million in a personal loan to Bankman-Friend associate Nishad Singh and $55 million to Ryan Salame, co-CEO of FTX Digital Markets, one of FTX’s subsidiaries.

Those loans are listed in the Alameda white sheet given by Bankman-Fried teams to Ray when the latter took over as CEO on Nov. 11. This restructuring veteran is supposed to be handling the liquidation of FTX and its subsidiaries which exploded overnight out of cash. .

In a 30-page document filed with the United States Bankruptcy Court for the District of Delaware. the new CEO painted an unprecedented situation of the old merchant empire. According to Ray, the Bankman-Fried empire is in chaos: no controls, no board meetings, non-existent records in some cases, employees using company funds to buy houses in their name, management communicating via auto delete messaging app, software to hide misuse of customers money, etc. It’s a list of everything not to do in a business.

“Never in my career have I seen such a complete failure of corporate controls and such a complete absence of reliable financial reporting as has happened here,” Ray wrote. “From the compromised integrity of systems and faulty regulatory oversight overseas, to the concentration of control in the hands of a very small group of inexperienced, unsophisticated and potentially compromised individuals, this situation is unprecedented. “

‘Unacceptable’

The new CEO also claimed that there is software at FTX that allows management to hide the misuse of customers’ money.

“Unacceptable management practices included using an insecure group email account as the root user to access confidential private keys and highly sensitive data for FTX Group companies around the world” , the seasoned restructuring veteran said in a 30-page document filed with the United States Bankruptcy Court for the District of Delaware.

He went on to say that there was “the use of software to conceal the misuse of client funds”.

Ray did not provide further details. But his statement thus undermines Backman-Fried’s denials that there was a backdoor allowing him to alter the records without third parties, including auditors and investors, noticing.

Reuters reported last week that financial data from FTX showed there was a “backdoor” on the books, created with “bespoke software”. It was described as a way for Bankman-Fried to cook the books without raising an alert.

National Museum of the Latino American receives $1 million donation from McDonald’s Corporation

0

The Smithsonian’s National Museum of the Latino American announced a $1 million donation from McDonald’s Corp. to support the new museum. The donation makes the global foodservice retailer one of the museum’s founding donors.

“McDonald’s donation will allow us to build a national museum that chronicles the achievements, resilience and contributions of Latinos in the United States,” said museum director Jorge Zamanillo. “McDonald’s support will allow us to share the Latino experience with the public and visitors of all ages.”

“McDonald’s is honored to be a founding donor as we strive to appear authentically in the lives of the people we serve, inside and outside of our restaurants,” said Sandy Rodriguez, vice -President of US Communications, McDonald’s USA. “Latinos are an integral part of McDonald’s – of our incredible Latino franchisees, suppliers and employees – and for us, helping to create a space that champions the history and important role of Latinos in the United States is one of the many ways we hope to give back.

The first exhibition of the Latino Museum, “¡Presente! A Latino History of the United States,” is on display in his Molina Family Latino Gallery located at the Smithsonian’s National Museum of American History. ” Here ! expands what visitors know about United States history and explores Latino identity, immigration, historical legacies, and the many ways Latinas and Latinos have shaped the nation. Additionally, the exhibit features historical artifacts, digital interactives, sensory experiences, and first-person oral histories that help visitors understand how the past relates to the present.

McDonald’s has supported the Smithsonian in the past with a $1 million contribution to the National Museum of African American History and Culture in 2016.

About the National Museum of Latin American

The Smithsonian’s National Museum of the Latin American advances the representation, understanding, and appreciation of Latin American history and culture in the United States. The museum provides resources and collaborates with other museums to develop scholarly research, public programs, digital content, collections and more. The museum’s Molina Family Latino Gallery is the Smithsonian’s first gallery dedicated to the Latino experience. Legislation creating the National Museum of the Latino American at the Smithsonian was passed on December 27, 2020. Connect with us at latino.si.eduand follow @USLatinoMuseum on Facebook, instagram and Twitter.

# # #

SI-382-2022

November 14, 2022—Rates Drop – Forbes Advisor

0

Editorial Note: We earn a commission on partner links on Forbes Advisor. Commissions do not affect the opinions or ratings of our editors.

Personal loan rates fell last week, giving qualified borrowers the chance to earn a reasonable interest rate and finance a project, purchase or even unexpected bills.

From Nov. 7-12, the average fixed interest rate on a three-year personal loan was 12.45% for borrowers with a credit score of 720 or higher who prequalified in Credible’s personal loan marketplace. .com. That’s down 0.36% from the previous week, according to Credible.com. The average five-year personal loan rate fell last week from 15.82% to 15.97%.

Remember that the rate you will receive depends on several factors, including your creditworthiness and the loans available from the lender you have chosen. The most creditworthy borrowers can benefit from rates that are significantly lower than the average.

Related: Best Personal Loans

How to Compare Personal Loan Rates

If you want to get the best rate, be sure to research lenders that offer a prequalification process for personal loans. Although many lenders post their rates online, this only gives you a range of what they offer, not an exact rate based on the qualifications you meet. However, when you prequalify for a personal loan, a lender will perform a soft credit check to prescreen you, which has no impact on your credit score.

Based on this information, the lender will give you an overview of the terms you may qualify for, including loan rates, terms and limits. You can prequalify with multiple lenders and compare terms to find the best loan for your specific situation.

However, prequalification does not guarantee approval. Once you’ve found an offer you like, you’ll still need to submit a formal application and provide additional documentation to the lender. When you apply, a lender will usually perform a rigorous credit check, which will assess your credit score between one and five points.

Related: 5 personal loan requirements to know before applying

Calculate monthly personal loan payments

Once you have an idea of ​​your personal loan interest rate, you can calculate your monthly payments. You will need to enter the interest rate, amount and term of your loan. This will help you determine how much you will owe monthly and how much interest you will pay over the life of your loan.

For example, suppose you have a personal loan for $5,000 with a fixed interest rate of 12.45% and a term of 36 months. The Forbes Advisor Personal Loan Calculator shows that your monthly payment would be approximately $167 and you would pay approximately $1,017 in interest over the life of the loan. Overall, you owe $6,017, which includes both principal and interest.

Personal loan rate by credit score

Here are the estimated average interest rates for personal loans based on VantageScore risk levels, according to Experian. Please note that interest rates are determined and set by the lenders. The prices provided are estimates.

How to get the best rates

The interest rate you receive on a personal loan is based on a number of factors. This includes your overall creditworthiness, credit score, income, and debt-to-income ratio (DTI). Two quick ways to help you qualify for better rates is to pay off existing debt to help lower your DTI and improve your credit score.

Rod Griffin, senior director of education and consumer advocacy at Experian, recommends “checking your credit report and scores three to six months before applying for a personal loan” as this will give you plenty of time to bring the necessary improvements.

Although qualification requirements differ from lender to lender, a minimum credit score of 720 will generally get you the best deal. If your score falls below this marker and you’re looking for the lowest possible rate, you can take steps to improve your score. Try strategies such as reducing your credit utilization rate, removing errors from your credit report, and paying your bills early or on time.

Commissioned by Laure Prouvost Light Hall at the National Museum of Oslo

0

Perched atop the new national museum in norway is the Light Hall, an iridescent marble box enclosing an open, cavernous space. Used for various group and thematic exhibitions, it will also host The Fredriksen Family Commissions, a series of five biennial projects in which international artists are invited to create a work or an installation – Laure Prouvost being the first.

The whole place was a construction site when the Brussels-based French artist made her first visit there. “There were pipes coming out of everywhere and I was like, could we just let nature take over, stop building and let the birds in?” she said, recalling a core of an idea that developed over subsequent visits. Flying north of Belgium, looking at the clouds, thinking about migration and a bird’s-eye view of the earth, the artist began to conceive of the Light Hall as an artificial cloud levitating above Oslo, and set out to create an ethereal and experiential atmosphere. inner world.

Oslo National Museum

Exterior view of the new National Museum of Norway in Oslo, which features an iridescent marble box enclosing a cavernous exhibition space

(Image credit: Iwan Baan)

Climbing a staircase to the top of the museum, a narrow passage with a rising and falling floor acts as a threshold into Prouvost’s new realm. A huge video wall divides the Light Hall in two, this first side is what the artist calls the valley – “the valley of humans, production, consumption and consumerism, but also of belonging to nature “. Meandering pipes intertwine architecture and artifice, seeming to leak oil onto the terrazzo floor into pools trapping the detritus of consumerism and nature. However, in this dark environment, there are hints of how we humans might float away from earthly despair and into the clouds.

An intricate tapestry hangs, decorated with facts about migratory birds such as TERNS FLY 5700KM IN 7 DAYS WITHOUT ANY BREAK and MOST BIRDS TRAVEL ALONE. Prouvost says it was woven by his “grandmother” (a recurring character in his works) and cousins ​​in Flanders, and that even though it is now hanging, “it really must be airlifted or a big bird to climb up and fly away from the museum.’ Another tapestry forms an enclosed, dark and cozy space in which the reassuring voice-over of the artist invites us to “stay forever if you want, lie down, do not hesitate to nest yourself”.

Work by Laure Provoust at the National Museum of Oslo, as part of the inaugural commission of the Light Hall

“Laure Prouvost. Above Front Tears Yes Float’ runs until February 12, 2023 at the National Museum of Norway

(Image credit: David Levene)

The looping film projected on the dividing wall contains a recurring and haunting song that Prouvost wrote with the Ghent musician Tsar B, performed by Singing Molenbeek, a children’s choir with which the artist became involved, which, according to she, “come from a disadvantaged district of Belgium and all come from different migratory backgrounds”. Grand Ma – omnipresent in the installation – also appears in the film, flying in the sky naked, smiling and weightless.

Prouvost tells us that Grandmother swings every Sunday on a rope from her husband’s plane: “She gets naked, jumps, feels the elements, the sky, connects to levitation and becomes something else. Like this story, we are never quite sure what is true or false in Prouvost’s creations, and his world is richer for it.

The architectural trompe-l’oeil gives the impression of holes carved deep into the ground beneath raised, sunken bridges behind the screen; the voices of the pipes recall dreams of floating; a rotating sculpture seems to levitate above a piece of Norwegian rock; and overturned hanging wicker baskets turn out to be VR headsets that offer an eerie replica of space, but with naked female mermaids gently encouraging the viewer to join them in levitation and ascend into another realm.

Work by Laure Prouvost

“Laure Prouvost. Above Front Tears Yes Float’ runs until February 12, 2023 at the National Museum of Norway

(Image credit: David Levene)

A cave-like tunnel leads from the valley, narrowing as it curves around the vast projection wall, hugging the body before leading it out into this other realm. Here, the space is a contrast, iridescent Nordic light penetrating the marble walls, and instead of oil slicks, the floor is blanketed in vaporous mists. It is a brighter and more optimistic world, to which the Boschian glass birds – made in Murano by Studio Berengo – have also migrated, as have huge boulders (real Norwegian valleys and fabricated simulacra) that float in empyreal weightlessness. In the film, Grand Ma once again happily flies through the air, but this time viewers joined in her exuberant ascent.

A soft central mound of a pattern replicating the terrazzo floor invites us to linger beneath twisting chandeliers of consumerist trash, as if it’s been sucked into a vortex from the valley floor and even them, the worst trash plastics, could turn into something of delicate beauty. Here it is time to lie down, sink into the cloud and slowly contemplate Prouvost’s delightful provocation to our earthly situations. She created a landscape – and a sky – of nurturing and welcoming, awash in motherly nurturing and dedication to craftsmanship – elements she describes as introducing his history in history.

Prouvost and his collaborators – human and non-human, and whether they sing, craft or fly – have created a space of fewer borders, above the Anthropocene, but a place to look through the clouds from. and imagine a better way, with a lighter touch. , more magic and fewer hierarchies.

Work by Laure Prouvost

“Laure Prouvost. Above the tears before Yes Float’

(Image credit: David Levene)

Detail of the work of Laure Prouvost

“Laure Prouvost. Above the tears before Yes Float’

(Image credit: David Levene)

View of the Laure Prouvost exhibition at the National Museum in Oslo

“Laure Prouvost. Above the tears before Yes Float’

(Image credit: David Levene)

Bird figure in the foreground, part of the Laure Prouvost exhibition at the National Museum in Oslo

“Laure Prouvost. Above the tears before Yes Float’

(Image credit: David Levene)

Installation by Laure Prouvost

“Laure Prouvost. Above the tears before Yes Float’

(Image credit: David Levene)

“Laure Prouvost. Above Front Tears Yes Float’ runs until February 12, 2023 at the National Museum of Norway. nasjonalmuseet.no

How to Get a $15,000 Personal Loan – Forbes Advisor

0

Editorial Note: We earn a commission on partner links on Forbes Advisor. Commissions do not affect the opinions or ratings of our editors.

If you’re looking to remodel your kitchen, consolidate debt, or pay for another major expense, you might be looking for a $15,000 personal loan. There are plenty of lenders out there that offer $15,000 loans, so it’s worth shopping around for the lowest rates and fees. Lenders generally offer the best rates to borrowers with strong credit and stable income.

Follow these five steps to get a $15,000 loan.

1. Consider qualification requirements

Before approving you for a $15,000 loan, lenders look at your credit, income, and other factors. Although lending criteria vary from institution to institution, some commonalities Personal loan qualification requirements include:

  • Credit. Lenders examine your credit to assess your risk as a borrower. Borrowers with good credit (at least 670 on the FICO scoring model) tend to get the best rates. You can check your credit score for free with Experian and Equifax or buy it at myFICO.com. You can also view your credit history with a free annual report from AnnualCreditReport.com.
  • Revenue. You will also need a stable source of income to qualify for the loan. Lenders ask for pay stubs, W-2 forms, or other documents to make sure you have the funds to repay the amount you borrow.
  • Debt-to-income ratio (DTI). When reviewing your application, lenders also review your DTI report, which displays your monthly repayments against your gross monthly income. Aim for a DTI ratio of 35% or less.

2. Prequalify with multiple lenders

A loan of $15,000 is a considerable sum, so it’s worth shopping around for the best rate. Many lenders allow you prequalify for a loan online, which means you can check the rates you might qualify for without impacting your credit score or your obligation to borrow.

Prequalification only takes a minute or two. You will enter some basic personal information and consent to an indirect credit inquiry. After you submit your details, the lender will let you know which offers you qualify for.

3. Compare your offers

Once you’ve collected some loan offers, take the time to compare the details of each. Pay close attention to interest rates and fees, including creationdisbursement, application and prepayment fees.

The annual percentage rate (APR) is a more inclusive rate than the interest rate alone, as it takes into account both interest and fees. The loan with the lowest APR will generally be the most affordable.

The Repayment Terms you choose also have an impact on your borrowing costs. Lenders sometimes offer better rates on shorter loan terms and higher rates on longer terms.

4. Complete and submit your application

Once you have selected a loan offer, your next step is to complete and submit your application. This application will collect more details than the prequalification form.

You will fill in your personal information, such as your contact details and address, as well as the purpose of your loan. You’ll also upload verification documents, such as ID, proof of address, payslips, and W-2s.

Once you have signed and submitted your application, the lender will perform a credit check to review your credit profile. Unlike the soft credit application, this rigorous credit check could lower your credit score by a few points. However, your score should rebound quickly as long as you repay your loan on time.

5. Manage and repay your loan

After completing your application, the lender will review your information and check your credit. This process can take a few days or weeks, but some lenders can approve loans within 24-48 hours.

Once approved, the lender will deposit the proceeds into your bank account, which you can use to pay any approved expenses. Review your documents to find out when your first payment is due. You will repay the loan on a monthly basis.

Some lenders offer a rate reduction if you set up automatic payments from your bank account. Even if your lender doesn’t offer this rate reduction, it might be a good idea to set up automatic payment so you don’t miss any payments.

How to get a $15,000 loan with bad credit

Having bad credit may limit your options for a $15,000 loan. However, it’s still worth shopping around, as some lenders have more flexible credit requirements than others. Start with your current bank or credit union, as they may offer benefits to existing customers.

You can also search for a secured personal loan rather than an unsecured loan. Secured personal loans are backed by collateral, such as a car title or savings account. They tend to have more lax credit requirements, but you risk losing your asset if you fall behind on your payments.

Some lenders also allow you apply with a co-signer or co-borrower to compensate for limited credit. Adding a creditworthy co-signer or co-borrower to your application could help you qualify for a $15,000 loan if you cannot meet a lender’s requirements on your own.

Finally, you can take steps to improve your credit score before you apply if you don’t need the loan right away. If you spot errors on your credit report, dispute them. Pay off current loan balances and reduce your credit utilization rate can also improve your score.

Where to get a $15,000 loan

Long-term costs of a $15,000 loan

When you borrow a $15,000 loan, you end up paying back over $15,000. This is because interest charges and fees add to your borrowing costs.

Your long-term costs will vary depending on your rate, fee structure, and repayment terms. A higher interest rate will increase your costs while a lower rate will make your loan more affordable.

Let’s say you borrow a $15,000 loan with a repayment term of five years. If you get 10%, expect to pay $4,122.34 in interest over the life of your loan. If you can qualify for 6%, your total interest costs drop to $2,399.52.

The repayment term you choose also impacts your long-term costs. A shorter term generally means lower interest charges, while a longer term means you’ll pay more interest over the life of the loan.

Let’s go back to this example of a loan of $15,000 at a rate of 10%. As mentioned, a five-year term equates to just over $4,100 in interest charges. But your interest charges will only be $2,424.28 with a three-year term. Alternatively, a seven-year term would mean interest charges of $5,917.49.

Use a calculator to estimate your loan costs

The Forbes Advisor personal loan calculator can help you estimate your long-term costs for borrowing a $15,000 loan under different repayment terms. As you crunch the numbers, try to find a term that makes your monthly payment affordable while reducing long-term interest costs.

World War II POW Flag Added to National Museum of American History Collections

0

An American flag, handmade by Mexican American Cpl. Joseph O. “Jose” Quintero, with the help of other prisoners of war (POW) while held in a Japanese camp during World War II, was recently added to the collections of the National Museum of American History from the Smithsonian.

The Texas-born son of Mexican immigrants, Quintero joined the United States Army a year after the United States entered the war and was sent to fight in the Philippines in the Bataan and Corregidor campaigns. Quintero would earn a silver star for his efforts in the defense of the island of Corregidor, which fell to the Japanese in 1942. After Corregidor surrendered, the Japanese armed forces captured the surviving American soldiers, transporting them to the Japan on what was described as a ‘ship from hell’ at the Niigata POW camp, located on the island of Honshu, Japan.

Quintero’s decision to fashion an American flag was meant to create a personal representation of patriotism and hope. His flag became a public symbol of the POW experience when Quintero, who had moved to New Mexico after the war, entrusted his treasure to former National Guard Lt. Gen. Edward Baca in the mid-1980s. 1990. Baca traveled to every state, displaying the flag during discussions of the role of Hispanics and New Mexico in military history. Following Baca’s death in the fall of 2020, his family fulfilled their long-held wish that the flag be entrusted to the Smithsonian’s flagship history museum. Following a September 8, 2021 ceremony in New Mexico, the flag was donated to the museum.

“Not only does each dot on this flag represent Quintero’s patriotism, but it also saved his life and the lives of his fellow prisoners of war because their camp did not appear on Allied maps,” said curator Jennifer Jones. “We are honored to accept it into the collection of national flags because it stands out as a one-of-a-kind gift. There is no other flag in our extensive collection with this kind of history.

“I so enjoyed watching Old Glory reach for the sky,” Quintero said in the book, Don José: The Courage and Faith of an American Soldier in Japanese Captivity, by Ezequiel L. Ortiz and James A. McClure. “When our mast was destroyed in Bataan, I promised myself that one day I would wave the stars and stripes in the faces of the Japanese people.”

Quintero told Ortiz and McClure that he would watch Japanese bombers blow up the American flag poles. Despite his imprisonment, Quintero worked underground to fulfill his promise to wave the American flag when the war ended.

While working in the camp infirmary, he befriended a Canadian POW who worked in the laundry room doing repairs on clothing and thus had access to a sewing machine. Quintero pieced together the flag from materials gathered around the camp. The red and white stripes were fashioned from sheets and blankets and the blue canton was fashioned from a pair of overalls issued to soldiers. He turned a bamboo prod that camp guards used to beat American prisoners into the flag pole. Quintero hid the flag under the floorboards under his bed.

On August 14, 1945, the Japanese Emperor addressed the nation, conceding defeat and announcing that the war was over. When the POWs learned of this, Quintero said, “I dug up my hidden flag and ran into the compound yard waving Old Glory.” Hearing the sound of American planes flying overhead, he climbed to the top of a camp building and waved the flag. As reported by witnesses, the American pilot of one such aircraft continued to fly, tilting his wings to acknowledge that he had spotted the flag-waving Quintero.

In New Mexico, where many veterans of the Bataan and Corregidor campaigns had settled, Quintero became a hospital technician at the local veterans’ hospital in Albuquerque, married, and raised four children.

Through unparalleled collections, rigorous research, and dynamic public outreach, the National Museum of American History seeks to empower people to create a more just and compassionate future by examining, preserving, and sharing the complexity of our past. The museum is located on Constitution Avenue NW, between 12th and 14th streets. Admission is free and no pass is required. The doors of the museum are always open online and the Virtual Museum continues to expand its offerings, including online exhibits, materials, and K-12 educational programs. The public can follow the museum on social networks at Twitter, instagram and Facebook. For more information and museum hours, go to https://americanhistory.si.edu. For information about the Smithsonian, the public can call (202) 633-1000.

# # #

SI-17-2022

National Museum of African American History and Culture Announces New Exhibit Exploring the Stories and Future of Black Liberation

0

The Smithsonian’s National Museum of African American History and Culture (NMAAHC) will open a major and thought-provoking new exhibit, “Afrofuturism: A History of Black FuturesMarch 24, 2023. An investigation of Afrofuturist expression through art, music, activism and more, this exhibition explores and reveals Afrofuturism’s historic and poignant engagement with history and culture. popular African Americans. From slaves seeking freedom in the cosmos, to popular science fiction stories inspiring black astronauts, to the musical influence of Sun Ra, OutKast, Janelle Monae, P-Funk and many more, this exhibition covers the broad and impactful spectrum of Afrofuturism.

Throughout the 4,300 square foot temporary exhibit, visitors will see a variety of artifacts from the pioneers of Afrofuturism, including Octavia Butler’s typewriter, Nichelle Nichols’ Star Trek uniform as a character of Lt. Nyoto Uhura and Nona Hendryx’s spacesuit-inspired costume worn during the performance with LaBelle.

A highlight of the exhibit is the Black Panther hero costume worn by the late Chadwick Boseman. The Black Panther is the first superhero of African descent to appear in mainstream American comic books, and the film itself is the first major motion picture production based on the character.

The exhibit also uses selected objects to elevate stories that speak to black liberation and social equality, such as Experience Aviation’s Trayvon Martin flight suit and his childhood dream of being an astronaut.

“Trayvon Martin’s flight suit tells the story of a dream of spaceflight tragically ended by earthly violence,” said Kevin Young, director Andrew W. Mellon of the National Museum of African History and Culture. Americans. “We are honored to tell more of Trayvon’s story, exploring his love of flight and mechanics and his fondness for science and technology. Afrofuturism represents the joy of a rich and imaginary future, often in the face of unfairness.

Since opening in 2016, NMAAHC has supported conversations, collections, and initiatives around Afrofuturism. “Afrofuturism: A History of Black Futures” will be on view in the museum’s Bank of America Special Exhibits Gallery from March 24, 2023 through March 2024. For more details on the new exhibit and to sign up for additional updates, visit the museum Afrofuturism website.

About the National Museum of African American History and Culture

Since opening on September 24, 2016, the National Museum of African American History and Culture has welcomed more than 8.5 million in-person visitors and millions more through its digital presence. Occupying a prominent location next to the Washington Monument on the National Mall in Washington, D.C., the nearly 400,000 square foot museum is the nation’s largest and most comprehensive cultural destination devoted exclusively to exploring, documenting and presenting African-American history and its impact. on American and world history. For more information about the museum, visit nmaahc.si.edu follow @NMAAHC on Twitter, Facebook and Instagram or call Smithsonian information at (202) 633-1000.

# # #

SI-356-2022

Could a personal loan help you pay off more debt by 2023?

0

Image source: Getty Images

If you’re hoping to be debt free, you should read this.


Key points

  • Paying off debt can be a challenge, and this is especially true if your debt has a high interest rate.
  • A personal loan could help lower the cost of your debt and make repayment easier.

If you hope become debt free by 2023 – or at least significantly reduce your debt – you don’t have long to work on that goal. And, there’s a potential move you could make that could make paying off your balance much easier (depending on your situation). You could remove a Personal loan.

Borrowing more money can seem counter-intuitive when trying to get out of debt. But, in some circumstances, it could be exactly the right decision. Here’s why.

How a Personal Loan Could Help You Pay Off Your Debt Faster

Taking out a personal loan could actually help you pay off more of your debt by 2023 if your personal loan is at a lower rate than the debt you are currently trying to pay off.

See, if you have high-interest debt (like credit card), chances are that a large portion of every payment you make will be eaten up by interest. You may be paying very little capital because your financing costs are very high. So all those payments you work hard to send to your creditors may not help you progress towards your goal of becoming debt free.

If you can qualify for a low-interest personal loan, you can turn that debt from high-interest to low-interest. For example, instead of paying 17% annual interest on a credit card (or more), you could pay 8% or 10% or whatever rate you can qualify for on your personal loan. You then use the proceeds from your personal loan to pay off that expensive credit card debt.

If, for example, you owe $4,000 on one card and $5,000 on another, a personal loan of $9,000 could free you from both loans. You would only have one debt to pay and at a lower interest rate.

Once you lower your rate, more of your monthly payment should go towards reducing your balance so you can get out of debt faster. This can help you make much more progress on your debt repayment methods over the rest of this year and next year.

Does this decision suit you?

Refinancing your high-interest debt may be the right decision if you can qualify for a new loan at a lower rate and you’re not extending your repayment schedule too much by doing so. You can use your new low-interest personal loan not only to lower credit card rates, but also for any type of expensive debt you have, such as payday loans or medical debt.

You can shop around and find out what rate you can qualify for without affecting your credit score to find out if this approach will work. You’ll also want to make sure you can comfortably make the payments on your new personal loan and that you’re sticking to a budget so you don’t charge your credit cards more after you pay them off.

If you can get a new loan at a low rate and you can count on yourself to be responsible for the repayment, there is no reason not to go ahead with this strategy as soon as possible so that you can repay the amount. maximum of your debt by 2023.

The Ascent’s Best Personal Loans for 2022

Our team of independent experts have pored over the fine print to find the select personal loans that offer competitive rates and low fees. Start by reviewing The Ascent’s best personal loans for 2022.

Why lead poisoning isn’t confined to the history books yet

0

Britons of a certain generation will remember the dangers posed by lead poisoning, which affects several bodily systems – causing vomiting, abdominal pain, fatigue and much more. It is particularly detrimental to the development of the nervous system in young children.

Over the past century, exposure to the toxic metal has increased in the UK. The widespread use of lead in everyday products, including paint, children’s toys, jewelery and car batteries, meant that the UK population was at risk of exposure in many areas of life. life, especially those who worked in heavy industry.

Still, clear progress has been made over the years to eliminate the threat in the UK and much of the west. In 1992 the UK banned most lead-based paints, while leaded petrol was banned in 2000.

Coma, convulsions and death

The number of UK workers under medical supervision for lead poisoning meanwhile fell from 21,113 in 1992/93 to 7,162 in 2009/10, according to data from the Health and Safety Executive. And only one child death was recorded in England between 1981 and 1996.

“With lead poisoning, we kind of learned about the clog in the 20th century. [for] how to deal with toxins and pollutants in the environment,” says Andy Meharg, a professor in the School of Biological Sciences at Queen’s University Belfast. “We are better able to regulate chemicals now.”

But although the UK has virtually eradicated deadly lead poisoning in children, the global outlook paints a grimmer picture. In many countries, especially those in North Africa, the Middle East and South Asia, lead-based products are favored, despite their health risks, to stimulate economic growth.

As a result, around 800 million people have blood lead levels above the safe limit of 5 µg/dl, according to Unicef, the consequences of which are likely to reverberate in the form of neurological disorders in the years to come. come.

How Simba Queens is rewriting the history books

0

Indeed, the proof of this foolproof assertion can be drawn from a few irrefutable examples.

For example, the senior women’s national football team, Twiga Stars, magnificently hoisted the coveted trophy during the COSAFA Women’s Championship a few years ago.

On the heels of this impressive feat, the National Women’s U-20 Football Team, affectionately known as Tanzanite, beautifully won the coveted COSAFA Women’s U-20 Championship title.

Moreover, the fact that the Serengeti Girls exceptionally qualified for the quarter-finals of the just-concluded FIFA U-17 Women’s World Cup further strengthens the argument that there is a wealth of untapped talent. in local women’s football.

Yet, if there were any doubts about our country’s impressive prowess in women’s football, the Simba Queens’ stellar performances in the CAF Women’s Champions League (CAF WCL) must have prevailed.

Indeed, last weekend, the Simba Queens ripped through the history books as they became the first-ever women’s football club in East Africa to advance to the semi-finals of the prestigious CAF WCL.

Undeniably, this is a giant step for domestic women’s football as it illuminates the ever-increasing trajectory of domestic women’s football.

Undoubtedly, therefore, it seems logical that greater investment should be made in domestic women’s football as there is unquestionably a deep reservoir of talent in women’s football.

Now let’s take a look at local men’s football where an underrated team have established themselves on the local scene over the past three years.

Indeed, the team in question Namungo FC appeared on the football scene totally out of the blue two seasons ago when they qualified for the second tier CAF Confederation Cup.

Even though things didn’t go to plan last season in the CAF Confederation Cup, the one priceless gift Namungo FC was able to obtain was the invaluable experience of playing in the fiercely competitive landscape of African football. , which should be very useful for them in the future.

Interestingly, Namungo FC’s rise in the domestic football arena comes at a time when Azam FC proved unable to topple heavyweights Simba SC and Yanga from the pinnacle of local football.

Despite being a deep-pocketed football team, Azam FC found it extremely difficult to give Yanga and Simba SC a serious run for their money.

It should be noted, however, that during their early seasons in the local football top flight, Azam FC were widely seen as the team that could potentially break Yanga and Simba’s tight grip on domestic football.

Nevertheless, as the last five seasons have so well demonstrated, Azam FC have failed to change the status quo of local football.

Indeed, Yanga won the Continental Premier League title last season and Simba SC clinched the title four times in a row in the four seasons leading up to the last league campaign.

That said, it’s debatable whether Namungo FC can pose a dangerous threat to the lofty aspirations of Simba and Yanga – with the financial limitations the club undoubtedly faces compared to the two big guns of Tanzanian football.

What is irrefutable though, is the fact that it has been heartening to watch Namungo FC emerge from obscurity over the past few seasons at home.

Indigenous Photojournalists Present Photo Essays at the National Museum of the American Indian

0

Many professional Indigenous photographers are acutely aware of the social toll of colonialism. With recognition of these stories, they embraced photography as a means of empowerment. Developing Stories: Indigenous Photographers in the Field is a series of photo essays created by Indigenous photojournalists Russel Albert Daniels, Tailyr Irvine and Donovan Quintero in collaboration with the Smithsonian’s National Museum of the American Indian, currently on view in New York.

Daniels’ essay explores the historical complexities that shape a 266-year-old Indigenous/Hispanic community’s sense of self and the genesis of violence, slavery and survival. Irvine’s essay delves into the legacy of US government regulations that impact the most personal decisions of Native Americans, including who they have children with. Quintero’s essay reveals how the COVID-19 pandemic has impacted the Navajo Nation, capturing how individuals, families, healthcare workers and government officials have responded to the pandemic.

Through the modern Indigenous stories portrayed in their work, these photographers shatter stereotypes of Indigenous people still prevalent in mainstream media. These photo essays show the diversity and complexity of modern life for Indigenous peoples, including the issues they face while living in the United States.

Cécile Ganteaume, exhibition curator

Photo essays

Available online and in person, Develop stories was organized by Cécile R. Ganteaume. Contributors Tristan Ahtone (Kiowa), editor at Grist, and John Smock, director of photojournalism at the CUNY School of Journalism, provided editorial and technical expertise to the museum and photographers throughout the development of each photo essay, including the selection of photographers. .

Developing Stories: Indigenous Photographers in the Field is on view at National Museum of the American Indian in New York until March 12, 2023.

For more information, visit americanindian.si.edu.

Personal loan interest rates soar for 3 and 5 year fixed rate loans

0

Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own.

The latest personal loan interest rate trends from Credible Marketplace, updated weekly. (iStock)

Borrowers with a good credit application personal loans in the last seven days pre-qualified for higher rates for 3 and 5 year loans compared to the previous seven days.

For borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender between October 27 and November 2:

  • Rates on 3-year fixed-rate loans averaged 13.52%, down from 12.45% the previous seven days and from 10.88% a year ago.
  • Rates on 5-year fixed rate loans averaged 16.54%, down from 15.90% the previous seven days and from 14.19% a year ago.

Personal loans have become a popular means of consolidate and pay off credit card debt and other loans. They can also be used to cover unexpected expenses like medical billstake care of a major purchase or finance home improvement projects.

Personal loan interest rates have jumped over the past seven days for 3 and 5 year fixed rate loans. Rates on 5-year loans increased by 0.64 percentage points, while 3-year loans saw a larger increase of 1.07 percentage points. In addition to today’s increases, interest rates for both loan terms are higher than they were this time last year. Yet borrowers can take advantage of interest savings now with a 3- or 5-year personal loan. Both loan terms offer significantly lower interest rates than higher cost borrowing options like credit cards.

Whether a personal loan is right for you often depends on several factors, including the rate you may qualify for. Comparing several lenders and their rates could help you get the best possible personal loan for your needs.

It’s always a good idea to comparison store on sites like Credible to understand how much you qualify for and choose the best option for you.

Here are the latest personal loan interest rate trends from the Credible Marketplace, updated monthly.

Personal Loan Weekly Rate Trends

The table above shows the average prequalified rates for borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender.

For the month of October 2022:

  • 3-year personal loan rates averaged 12.26%, down from 11.65% in September.
  • 5-year personal loan rates averaged 15.84%, down from 15.60% in September.

Personal loan rates vary widely depending on credit rating and length of loan. If you’re curious about what kind of personal loan rates you might qualify for, you can use an online tool like Credible to compare the options of different private lenders. Checking your rates will not affect your credit score.

All Credible Marketplace lenders offer fixed rate loans at competitive rates. Since lenders use different methods to assess borrowers, it’s a good idea to ask for personal loan rates from multiple lenders so you can compare your options.

Current personal loan rates by credit score

In October, the average prequalified rate retained by borrowers was:

  • 9.90% for borrowers with a credit score of 780 or higher choosing a 3-year loan
  • 29.90% for borrowers with a credit score below 600 who choose a 5-year loan

Depending on factors such as your credit score, the type of personal loan you are looking for, and the repayment term of the loan, the interest rate may differ.

As the chart above shows, a good credit rating can mean a lower interest rate, and rates tend to be higher on loans with fixed interest rates and longer repayment terms.

How to get a lower interest rate

Many factors influence the interest rate a lender can offer you for a personal loan. But there are steps you can take to increase your chances of getting a lower interest rate. Here are some tactics to try.

Increase credit score

Generally, people with higher credit scores qualify for lower interest rates. Steps that can help you improve your credit score over time include:

  • Pay your bills on time. Payment history is the most important factor in your credit score. Pay all your bills on time for the amount owed.
  • Check your credit report. Check your credit file to make sure there are no errors. If you find any errors, dispute them with the credit bureau.
  • Reduce your credit utilization rate. Paying off credit card debt can improve this important credit score factor.
  • Avoid opening new credit accounts. Apply for and open only the credit accounts you really need. Too many serious inquiries on your credit report in a short time could lower your credit score.

Choose a shorter loan term

Personal loan repayment terms can vary from one to several years. Generally, shorter terms come with lower interest rates because the lender’s money is at risk for a shorter period.

If your financial situation allows it, applying for a shorter term could help you get a lower interest rate. Keep in mind that the shorter term doesn’t just benefit the lender – by choosing a shorter repayment term, you’ll pay less interest over the life of the loan.

Get a co-signer

You may be familiar with the concept of a co-signer if you have student loans. If your credit isn’t good enough to qualify for the best personal loan interest rates, find a co-signer with good credit could help you get a lower interest rate.

Remember that if you are unable to repay the loan, your co-signer will have to repay it. And co-signing a loan could also affect their credit score.

Compare rates from different lenders

Before applying for a personal loan, it’s a good idea to shop around and compare offers from several different lenders to get the lowest rates. Online lenders generally offer the most competitive rates and can be quicker to disburse your loan than a physical establishment.

But don’t worry, comparing rates and terms doesn’t have to be a tedious process.

Credible is easy. Simply enter the amount you wish to borrow and you can compare multiple lenders to choose the one that suits you best.

About Credible

Credible is a multi-lender marketplace that allows consumers to discover the financial products best suited to their particular situation. Credible’s integrations with major lenders and credit bureaus allow consumers to quickly compare accurate and personalized loan options without putting their personal information at risk or affecting their credit score. The Credible Marketplace delivers an unparalleled customer experience, as evidenced by over 4,500 positive Trustpilot reviews and a TrustScore of 4.7/5.

The National Mujahid Museum is an important complex that contains both the most tragic and the proudest pages of the glorious history of the Algerian people – President Ilham Aliyev

0

BAKU, Azerbaijan, November 1. The National Mujahid Museum is an important complex that contains one of the most tragic and, at the same time, the proudest pages of the glorious history of the Algerian people, wrote Azerbaijani President Ilham Aliyev in the Book of Memory of the museum, visiting the Martyrs’ Memorial and the National Mujahid Museum in Algeria’s capital Algiers on November 1 Orientation reports.

“I have the privilege of visiting for the first time the People’s Democratic Republic of Algeria and the National Museum of the Moudjahid as a sign of my deep respect for the brotherly people of Algeria.
The National Mujahid Museum is an important complex that contains one of the most tragic and, at the same time, the proudest pages of the glorious history of the Algerian people. This museum is of exceptional importance in terms of preserving the memory of the colonial policy of cruelty and unprecedented violence against the Algerian people, war and crimes against humanity, the national struggle against the colonial forces and the victory of independence won at the cost of only one and half a million martyrs. It is important from the point of view of transmission to future generations.

The struggle for freedom and independence, which began with the aim of getting rid of ruthless colonial slavery, is forever etched in the history of Algeria as a symbol of great bravery, unity, unwavering will and determination of the Algerian people.

As the leader of a friendly and brotherly country, I am very proud to see the development and prosperity of fraternal Algeria, which obtained its independence at the cost of great sacrifices.

I would like to express my gratitude for the warm welcome extended to me at the National Mujahid Museum and wish the museum every success in perpetuating the heroic heritage of the Algerian people,” wrote the Head of State.

How to Get a $50,000 Personal Loan – Forbes Advisor

0

Editorial Note: We earn a commission on partner links on Forbes Advisor. Commissions do not affect the opinions or ratings of our editors.

A personal loan is a financing option that you can use to cover a variety of different expenses. Whether you need a loan for debt consolidation, home improvement projects, or something else entirely, a personal loan can make your goals more manageable.

Larger personal loans of $50,000 can be offered to qualified individuals through various financial institutions and online lenders. Follow these five steps to get a $50,000 loan.

1. Consider qualification requirements

The first step is to review the qualification requirements of different lenders. Here are some commonalities personal loan terms you might encounter.

  • Minimum credit score: You should check your credit score to get an idea of ​​how your credit measures up to lenders’ standards. We recommend a minimum score of 670.
  • Revenue: Some lenders may want confirmation that you earn a minimum wage before giving you a personal loan, but not all lenders will disclose the minimum income they require.
  • Debt-to-income ratio (DTI). If you have too much debt relative to your income, you may struggle to qualify for financing, especially a $50,000 personal loan. A DTI of less than 36% is ideal, although some lenders will approve a highly qualified applicant with a ratio of up to 50%.

As you review lender requirements, make a list of personal loans you think you might be eligible for. You should also keep a separate list of lenders who are unlikely to approve your application so you know which ones to avoid.

2. Prequalify with multiple lenders

Once you have a list of lenders you think could work with you, check to see if any of them offer prequalification. Many lenders allow interested borrowers to prequalify for a loan, allowing you to see what terms you may qualify for when you apply, although they are unsecured. Prequalification usually only requires a flexible credit applicationwhich has no impact on your credit score.

3. Compare your offers

Then it’s time to compare your pre-qualified loan offers and choose the best personal loan for you. Of course, you will want to pay close attention to the interest rates offered by different lenders. A lower interest rate has the potential to save you a lot of money on your loan.

However, there are other details that could influence your decision, including:

  • Fees (opening fees, application fees, prepayment penalty, etc.)
  • Loan amount (can you borrow up to $50,000?)
  • Repayment period
  • Monthly payment
  • Uses of the loan
  • Funding speed

4. Complete and submit your application

After making your final choice, complete and submit your official loan application. You should expect to provide more information on your full application than on your initial prequalification form.

Here are some of the details and documents your potential lender may request when you apply for a personal loan:

  • Personal information (name, address, social security number, date of birth, etc.)
  • Employer and job title
  • Income and proof of income (e.g. pay stubs, tax returns, etc.)
  • Chequing and savings account balances
  • Copies of bank statements
  • Monthly rent or mortgage payment

5. Manage and repay your loan

If approved, you should receive final loan documents that confirm the details of your loan agreement, such as your interest rate, repayment term, monthly payment, and loan amount.

Lenders ask you to sign your loan agreement to confirm that you accept the terms and conditions of the financing. After your signature, the lender can begin the process of sending you the loan proceeds. You can expect a direct deposit to your bank account the same day or within a few days.

Once you have received your loan proceeds, your loan repayment period begins. The lender will expect you to start repaying your loan according to the terms set out in your loan agreement. Some lenders may offer you a rate reduction if you sign up for autopay.

How to get a $50,000 loan with bad credit

Qualifying for a $50,000 personal loan with bad credit can be a challenge. Many lenders are unwilling to approve a borrower for a personal loan unless they have at least one fair credit score or better.

However, you may be able to find lenders willing to work with you if you have bad credit. Of course, your income, DTI ratio, and other factors will also need to meet the lender’s borrowing criteria. Your credit alone does not guarantee loan approval.

If you are able to qualify for a personal loan with bad credit, you must be prepared to pay higher interest rates and fees in exchange for the credit risk you pose as a borrower with bad credit. credit. Additionally, bad credit can limit the amount of loan you are eligible for.

Where to get a $50,000 loan

Long term costs of a $50,000 loan

It is always wise to calculate the cost of a loan before making your final decision on whether or not to accept an offer. You can use tools like Forbes Advisor personal loan calculator to estimate the monthly payments and overall interest you would pay over the life of a loan.

If you take out a low-interest loan for consolidate debt, a new personal loan could help you save money in the long run. But even in this scenario, you must commit to not accumulating additional debt after consolidation. Otherwise, you could end up with bigger debt problems down the road.

Conclusion

Exit $50,000 Personal loan could be useful in many different financial scenarios. However, it is important to make an honest assessment of your situation before committing to such debt.

If you think a $50,000 loan is right for you, be sure to shop around for the best deal available. It’s important to get the lowest interest rate and fees possible, especially when borrowing larger sums of money.

17 deaf students will sign their names in the history books

0

Mbongozi boarding school where deaf students are housed in Mpumalanga

  • Seventeen deaf students will take their sign language exams in Mpumalanga.
  • Pupils study language as a subject from the first year.
  • The provincial department of education says it hopes for 100% success in the matter.

Seventeen grade 12 students from Mpumalanga will put their names in the province’s history books when they take their sign language exams.

The group will become the first in the province to take the exam, scheduled for November 10 at Bukhosibetfu Inclusive School in Nkomazi.

Students, from all over Mpumalanga, will watch the questions put to them using sign language through their screens and respond accordingly.

“We’re aiming for a 100% pass mark in sign language,” provincial education spokesperson Jasper Zwane told News24.

News24 visited the school on Saturday, where the boys and girls – all of whom are deaf – chatted with each other using sign language at their boarding school.

Some were playing football while others were chasing each other laughing.

READ | Motshekga confident post-Covid matrix exams will go smoothly

“They’re in a jovial mood. They’re ready for their final hurdle,” Zwane said.

“We have specialists who trained them from the 1st year to prepare for this day. See them [this] happy means that our children are in a good mood.

“We are excited as a province. We hope this [motivates] other children with disabilities to continue their education.

Sign language is not an easy subject, Zwane said, describing it like any other subject taught in South African schools. He was officially introduced as a subject in the province 12 years ago.

He explained that a student does not need to have a hearing or speech impairment to follow the subject.

“By mastering sign language perfectly, our children will have the opportunity to communicate with the world,” Zwane said.

“We encourage people close or related to our students who use sign language to learn the language. This would help them understand and communicate with anyone using the language.

Outcry

Zwane said the department is doing everything in its power to ensure the needs of students with disabilities are accommodated.

“All children with disabilities, students with albinism and those with physical disabilities will be awarded with scholarships if they pass their school leaving exams,” he said.

READ | Department denies allegations of rape, shooting at elementary school nightclub

“We have specialist educators who take care of our children from the first year. We ensure that they are fully prepared to participate in each examination. We have full-time nurses and therapists who take care of our students,” Zwane explained.

Pupils are accommodated in a boarding school close to their school.

“We have problems with families who refuse to bring their children to us to learn. Some families think that having a child with difficulties is a curse. Some children are hidden away by their families.

“We want every child in Mpumalanga to be included, loved, welcomed and treated with the dignity they deserve,” Zwane said.

In Mpumalanga, 71,582 full-time students are expected to take the 2022 National Senior Certificate (NSC) examination.

Eight schools across the province will see their first batch of students take their final exams.


UIS students return from research experiences at the Smithsonian’s National Museum of Natural History, South Africa

0

POCATELLO, Idaho (KIFI) – Two paleontology students are back on campus at Idaho State University after their world-class research experiences.

Recently, Maya Elliott, a senior Nampa biology student, returned from a summer internship at the Smithsonian National Museum of Natural History. While in Washington DC, Elliott grew specimens of the ginkgo plant at varying levels of carbon dioxide. The plant’s ancestry dates back about 300 million years, and Elliott compared today’s specimens to fossilized plants from years past. By using ginkgo fossils, scientists can better understand how the climate has changed throughout Earth’s history.

“I consider myself lucky to have been able to learn from some of the best researchers in the country and to take tours of the incredible collections at NMNH,” said Elliott. “My favorite part was working on the project and learning how to present my research to the scientific community.”

Meanwhile, Xavier Jenkins, a PhD student in biology from Buckeye, Arizona, spent four weeks in South Africa analyzing fossils or reptiles that lived more than 250 million years ago in the Permian. As part of her doctoral studies, Jenkins worked at the Idaho Virtualization Lab at the Idaho Museum of Natural History, studying the evolution of early reptiles using digital scans of specimens. With support from the ISU, he traveled to South African museums to see the fossils in person. While in South Africa, he also joined Jonah Choiniere, professor of comparative paleobiology at the Institute for Evolutionary Studies at the University of the Witwatersrand, for a search for the first long-necked dinosaurs.

“Experiences like this are fantastic and ones I spent my childhood dreaming about,” Jenkins said. “You hear about all the fossil finds in South Africa, but seeing it in person was truly breathtaking.”

Elliott and Jenkins are mentored by Brandon Peecook, assistant professor of biological sciences at ISU and curator of vertebrate paleontology at the Idaho Museum of Natural History. Under Peecook’s guidance, Elliott and Jenkins are working with fossil specimens and state-of-the-art Nano-CT imaging technology to understand the evolution of early reptiles.

“At the Idaho Museum of Natural History, we pride ourselves on providing ISU students with hands-on research experiences with real fossils,” Peecook said. “These kinds of opportunities are golden for young scholars, so I was thrilled when Maya and Xavier had the chance to expand their knowledge, skills, and professional networks in Washington DC and South Africa. All two are among many Bengals presenting their research at the Society of Vertebrate Paleontology meeting in Toronto this fall.

For more information about the ISU Department of Biological Sciences and the Idaho Museum of Natural History, visit isu.edu/biology and isu.edu/imnh.

Prospective students can schedule a campus tour at isu.edu/visit.

Determination puts Bequia student in SVG history books

0

A determination to succeed despite odds propelled an 18-year-old from Bequia into the history books of Saint Vincent and the Grenadines (SVG).

Alan Gooding, an aspiring software engineer, is the first student in an associate’s degree program at St Vincent and the Grenadines Community College (SVGCC) to receive a national scholarship.

He qualified for a national award by achieving a GPA of at least 3.8.

The Hope Estate, Bequia resident was one of 21 national scholarship recipients announced at the National Schools Independence rally in Victoria Park on Tuesday.

SEARCHLIGHT spoke with him shortly after receiving his award.

An alumnus of St Vincent Grammar School, Gooding had been enrolled in the Division of Technical and Vocational Education (DTVE), while all the other National Scholars had been students in the Division of Arts, Sciences and General Studies (DASGS ).

He said he decided to pursue an Associate of Applied Science degree in Information and Communication Technology instead of a purely academic program at DASGS because he wanted to gain work experience.

“I knew what I wanted to do…. I want to be a software engineer. So I knew to do an associate degree, specifically an applied associate degree [degree], I would get the work experience, because there are attachments. I wanted to enter the working world directly, to gain experience. I love to code.

However, Gooding almost regretted his choice, giving the experiment at the DVTE a failing grade.

He said that among the many problems faced by students in his program were poor communication and course preparation by the SVGCC and what appeared to be a lack of commitment from its teachers.

“We had a lot of problems at the College. They didn’t seem prepared for a lot of things….

He said he sometimes drove to school from Bequia, only to be told upon arriving at the Arnos Vale campus that there would be no school.

“There would be no email, nothing to say, no school. A waste of time and money, and we would not be refunded; they wouldn’t even care,” the young man said.

He said that sometimes the teachers did not show up for class.

“Teachers were a big problem. We had to ask the teachers to come and teach us… I would say it was a 2/10 experience.

But he was determined to succeed.

“To be honest, I did everything at home. I did my own research, I practiced, I was just curious, I went on the internet. I learned everything and got the grades I got because I did extra research online. I didn’t learn a lot in school. I knew I wanted to get a really good grade.

Sheacoy Walters (left), Alan Gooding, Jehan-Carr (right) were all classmates in the DVTE’s Information & Communication Technology program at SVGCC

Jehan Carr and Sheacoy Walters, two of Gooding’s classmates in the information and communications technology program, received scholarships at Tuesday’s ceremony.

They supported Gooding’s position that the experience at the DVTE was poor.

Gooding is the son of Murline Franklyn of Bequia.

He will start an online bachelor’s degree in computer science from Edinburgh Napier University in January.

How to Find a $35,000 Personal Loan

0

If you’re looking for a $35,000 personal loan, you might be wondering where to start your search. There is no shortage of lenders and a quick search will bring up potential offerings from traditional banks, credit unions and online lenders.

However, not all loan offers are created equal; some come with higher borrowing costs than others. Additionally, you will find that the eligibility requirements for personal loans vary by lender. So it’s also important to research each lender’s criteria to make sure you’re a good candidate for a $35,000 loan on competitive terms.

How to determine if you need a $35,000 loan

Before researching lenders and beginning the application process, take a step back to assess how much loan you need.

Borrowing less means you’ll get a more affordable monthly payment and save on interest. Plus, you’ll avoid the temptation to spend on unnecessary items and minimize the risk of quickly becoming overburdened, racking up excessive late fees, and blowing your budget. There is also a chance that you will damage your credit rating if you fall behind on loan repayments.

To determine if you need a $35,000 loan, write down the purpose of your loan and the expected cost of what you are looking to cover. Whether it’s a major purchase, home improvement project, medical bills, debt consolidation, wedding, or any other big expense, include a light cushion just in case. The number you get is the loan amount you should ask the lender for, even if it’s a little less than $35,000.

Conditions to benefit from a personal loan

Each lender has guidelines for personal loans. However, most will assess your credit score, income, and debt to determine if you are a good candidate for financing.

The lender wants to know that you are making enough money to make timely monthly payments, hence the importance of your debt ratio. Equally important is a track record of managing past credit obligations on time, as indicated by a good or excellent credit rating. But if your credit score is lower, you could be denied financing or pay higher borrowing costs if your application is approved.

You will generally find that borrowers with good or excellent credit scores qualify for the best rates offered by lenders. To illustrate, the average personal loan interest rate for consumers with excellent credit was between 10.3% and 12.5% ​​as of October 17, 2022. However, borrowers with bad credit received higher rates ranging from 28.5% to 32%.

When you are ready to apply, gather the following:

  • Two forms of identification: driver’s license, passport, government-issued ID, passport, military ID, social security card, birth certificate, or citizenship certificate
  • Employer Information: employer name and supervisor name, email address and phone number
  • Proof of income (traditional job): latest pay stubs, W-2s, 1099s, tax returns, or bank statements
  • Proof of income (self-employment): 1099, tax returns or bank statements
  • Proof of residence: rental agreement, mortgage statement, utility bill, property tax bill, voter card, or insurance bill

Personal lenders who offer loans of $35,000

Personal loans of $35,000 are available from banks and credit unions. You will also find several options through online lenders. Some offer fast approvals and funding times to get you the money you need within a business day.

best egg 7.99%-35.99% $2,000 to $50,000 600
LightStream 5.73% to 19.99% (with automatic payment) $5,000 to $100,000 Not disclosed
Marcus of Goldman Sachs 6.99% to 24.99% (with automatic payment) $3,500 to $40,000 Not disclosed
Upgrade 7.46% to 35.97% (with automatic payment) $1,000 to $50,000 560

best egg

Best Egg offers low interest rates to borrowers with good or excellent credit. But if your credit rating is low, you may still qualify for a personal loan. The application process is seamless and some borrowers get a loan decision and funding on the same business day.

You’ll likely pay origination fees starting at 0.99% (or 4.99% for loans with terms of 4 years or more) if you take out a personal loan with Best Egg, but early prepayment penalties are not taxed if you decide to pay. the loan at the beginning.

LightStream

LightStream is another viable option if you have good credit. Interest rates are some of the lowest you’ll find, and the lender will beat any competitor’s rate by 0.1 percentage points if it’s the same loan product. If your loan is approved, you will also be able to choose the loan term that suits your financial situation. There is also an option to defer loan disbursement for up to 30 days, and there are no origination or prepayment penalties.

Marcus of Goldman Sachs

Marcus by Goldman Sachs makes it easy to take out a loan, and you can manage the entire process from the user-friendly website or mobile app.

Many borrowers can apply in minutes, receive a quick decision, and have funds deposited within one to four business days of approval. You may be eligible for an APR reduction of 0.25% if you use the Autopay feature. There is also a skip payment feature if you make timely payments for 12 consecutive months. You will also find that support is available outside normal business hours to answer your questions or concerns.

Upgrade

Upgrade is another outstanding online lender that offers fast approvals and one-day funding turnarounds. Its personal loan offerings are flexible and there are no minimum credit scores or income requirements, making them accessible to borrowers with a variety of financial backgrounds. However, you will pay set-up fees and limits apply on how the funds can be used.

Costs of a $35,000 long-term personal loan

The overall cost of a loan depends on the interest rate and the term of the loan. If possible, opt for the shortest repayment term to minimize borrowing costs. You’ll get a higher monthly payment, but your interest costs will be lower since the lender won’t have as much time to collect from you.

Additionally, selecting a shorter repayment period could mean you get a lower interest rate.

For example, a personal loan of $35,000 over 5 years with an interest rate of 11% results in total interest charges of $10,659.09 and a monthly payment of $761. However, the same loan with a term of 3 years and an interest rate of 10% lowers your total interest costs to $5,656.66, despite a higher monthly payment of $1,129. In this case, the 3-year loan would be the best choice assuming the monthly payment works for your budget.

At the end of the line

Finding a $35,000 personal loan doesn’t have to be difficult. But before you start your search, understand the general eligibility criteria to increase your chances of being approved.

Also consider loan offers from traditional banks, credit unions, and online lenders, and consider getting pre-approved before formally applying.

It is also essential that you compare loan offers and ensure that the monthly payment fits your budget. Most importantly, only borrow what you can comfortably afford to repay to protect your credit rating and overall financial health.

Singapore Airlines A380 seats on display at the National Museum

0

It was 15 years ago today that the Singapore Airlines (SIA) Airbus A380 flew for the first time, with its specially designed business class seats and Singapore Airlines suites. The seats were part of an innovative cabin design that provided more comfort and space in flight by giving passengers the freedom to move the A380 was famous for.

The A380’s first generation business class seats were designed by JPA Design of the UK and manufactured by Koito of Japan. The seat can be transformed into a comfortable fully flat bed with a fixed back shell that can be extended to the sides for greater privacy. Photo credit: Singapore Airlines Limited.

The National Museum of Singapore received the donation of a first generation A380 Business Class seat and a first generation A380 Suites seat, which premiered on this maiden flight in 2007.

These seats represented many “firsts” for SIA in 2007 – in addition to being the first in the world to fly the A380 at Airbus’ launch that year, SIA was also the first to introduce the Suites concept to board the A380, which offered an unprecedented level of luxury and privacy with a double bed, sliding doors and blinds, among other features, built at the time, and which could be transformed into a comfortable flat bed for a good night’s sleep. These seats are part of our flag carrier’s rich history as an iconic brand and a symbol of national pride for Singapore.

Designed by renowned French luxury yacht designer Jean-Jacques Coste of Coste Design, the first-generation SIA Suites seat sets a new standard in premium air travel.  Combining classic styling, ergonomics and technology, each handcrafted seat offers unparalleled exclusivity and privacy, developed for SIA's most valued and distinguished clients.

Designed by renowned French luxury yacht designer Jean-Jacques Coste of Coste Design, the first-generation SIA Suites seat sets a new standard in premium air travel. Combining classic styling, ergonomics and technology, each handcrafted seat offers unparalleled exclusivity and privacy, developed for SIA’s most valued and distinguished clients. Photo credit: Singapore Airlines Limited

Chung May Khuen, Director of the National Museum of Singapore, said: “The seats are a valuable addition to the museum’s collection of travel artifacts, revealing our flag carrier Singapore Airlines’ unique innovations and successes in commercial aviation. . Collecting, preserving and presenting aspects of contemporary Singapore is an important part of the National Museum’s collecting strategy. Objects like these iconic SIA seats enrich our documentation and tell of Singapore’s progress and development over the years.

“SIA was the first airline to fly the A380, and the introduction of these seats on the aircraft marked a milestone in aviation history as they provided an unprecedented level of comfort for our customers. . We are grateful that the National Museum preserves an important aspect of our history and hope that visitors will remember their flights with us when they see the display. We remain committed to service excellence and product innovation, so our customers can continue to enjoy world-class products and award-winning service across all of our fleets,” said Yeoh Phee Teik. , Senior Vice President Customer Experience at Singapore Airlines.

Visitors can view the seats in an upcoming exhibit at the National Museum next year.

How to find an $80,000 personal loan

0

Taking out an $80,000 personal loan makes sense in some cases, but it’s a big responsibility. If you’re considering a loan like this, take stock of your needs to make an effective plan for the future. Know how much your monthly payment will be and understand how you will pay for it.

Talk to several lenders if you decide to take out a personal loan. You can find the best deals by shopping around. Every penny you save is useful when you take out a loan.

How to determine if you need an $80,000 loan

When you take out an $80,000 personal loan, you also agree to pay the associated fees and interest. You need to understand how much of a loan you need and why you need it before you decide to get one.

There are many reasons why taking out a personal loan can make sense. Personal loans can help you consolidate debt and get a better interest rate. They can also help fund major expenses like home renovations, vacations, or weddings.

When considering a loan, think about how it can help you earn money in the future. Using a loan to fund a vacation won’t make you more money in the future, but using $80,000 to fund home renovations can help you increase the equity in your home. Think economically and make a smart plan. There are creative ways to finance major purchases without requiring you to take out a loan. Consider these options when considering taking out a large personal loan.

It would be worth it if you could settle for a smaller loan. A smaller loan means less interest over time and likely lower fees, which can help you save money exponentially.

Conditions to benefit from a personal loan

When you apply for a personal loan, the lender must ensure that you are likely to repay it. They look at several factors to determine your eligibility — credit history, debt-to-income ratio (DTI), income, monthly expenses, and assets.

Every lender is different, but there are standard thresholds for credit score and DTI for any loan. Lenders generally require at least a 610 credit score and look for a DTI of 40% or less. You may have to look a little further to find a loan if you don’t match these qualifications.

You can prepare for the application process by checking your credit score and gathering all documents to verify this information. You can get a free credit report each year at annualcreditreport.com. Documents you will probably need include personal ID, employment and income verification – such as a pay stub, address verification, and your loan application.

Personal lenders who offer loans of $80,000

There are several types of lenders for personal loans. You can check out banks or credit unions or online for online lenders and peer-to-peer lenders. Each type of lender has different pros and cons, and you may be able to find better rates from different lenders. It’s always a good idea to talk to a few lenders before making a final decision on your loan.

Here are some lenders we like that offer $80,000 loans:

BHG Money 10.49% – 29.99% $1 – $200,000 Not disclosed
LightStream 5.73% – 19.99% $5,000 – $100,000 Not disclosed
Sofia 7.99% – 23.43% $5,000 – $100,000 Not disclosed
Wells Fargo 5.99% – 21.74% $3,000 to $100,000 Not disclosed

BHG Money

Bankers Healthcare Group, or BHG Money, offers personal loan options up to $200,000 with no collateral required. Regardless of your credit score, this lender does its best to create a personal loan plan that’s right for you. Repayment periods for BHG Money personal loans are shorter than many other lenders by three to ten years, so you can expect monthly payments to be quite high. However, this means you won’t accrue as much interest over the life of the loan.

LightStream

Need a loan for something? LightStream offers “loans for just about anything,” including large personal loans. The Rate Beat program allows you to get an interest rate 0.10% lower than any interest rate you are approved for with another lender.

You can apply online in minutes for one of their loans, and if you’re approved, you can have funds in your account the same day.

SoFi

SoFi offers personal loans with low fixed interest rates and many online options to help you check your rate quickly or get your questions answered. This lender offers personal loans that will help you do anything from consolidating student debt to paying IVF treatments.

Wells Fargo

Wells Fargo offers personal loan options with flexible payment terms. You can make a plan to repay your loan with a repayment term ranging from 12 months to 84 months. If you already have an account with Wells Fargo, you may qualify for a discount on your loan interest rate.

Costs of a long-term $80,000 personal loan

Getting an $80,000 personal loan is not free. You will have to pay interest on the loan over time and any lender fees that are included with the loan. You usually have to pay an origination fee when opening a personal loan, which often ranges from 1-8% of the total. With an $80,000 loan, even a 1% origination fee adds up to an additional $8,000.

In some cases, lenders waive all or part of these fees.

Other fees you might encounter with a personal loan are prepayment penalties, late payment fees, and insufficient funds fees. A prepayment fee is charged by some lenders when you prepay the loan. You are responsible for late payment fees when you miss your monthly payment due and insufficient funds fees when your account does not have enough funds to cover the cost of your monthly payment.

Plus, your total interest on the loan adds up over time. Interest cost is usually built into your monthly payment, but it’s always a good idea to know how much interest will cost over the life of the loan. Use a loan calculator to understand how different interest rates and loan terms affect the cost of long-term lending. Before signing a loan, understand all costs, including fees and interest.

At the end of the line

Taking out an $80,000 personal loan isn’t just free money. You have to repay it and pay interest in addition to the loan amount. You also need to consider any lender fees you may have to pay.

Asking the lender lots of questions and reading the fine print will give you the information you need to decide if you want to borrow from them. Know where to look for good rates and terms, and understand exactly what you’re getting into when you sign up for a loan.

Paper towns are just a few pages in Omaha’s history books

0

Stu Pospisil Omaha World-Herald

Take a look at these South Omaha scenes over the years.



Dryden, Orient, Chicago, Iron Bluffs, Bridgeport and Santillo.

These were the paper towns of Douglas County. Most never made it past the veneer stage, and nearly all fell into the chipper known as the Financial Panic of 1857.

Petropaulowski was closest to the newly incorporated city of Omaha. Its center would have been at 42nd and Hamilton streets, where a public plaza was proposed. The 189 blocks of the flat, on a current map, would have included the area from approximately 30th to 52nd Streets, Cass to Lake Streets.

There would have been squares, or parks, named Manhattan, Jefferson, Webster and Seymour. Saddle Creek would have crossed the western end. The territory became the neighborhoods of Orchard Hill, Walnut Hill and Bemis Park, among others, and the eastern half of Dundee.

People also read…

No names are on the tray which is in the History Nebraska collections. But it is assumed that they were speculators connected to New York and of Russian origin, since the name derives from the Bering Sea port which made news during the Crimean War in the mid-1850s.

Orient, sometimes referred to as Oriental City, was planned for present-day 126th to 144th Streets, Fort to Ida, with an arm extending north to include a large bend in Big Papillion Creek for water supply.

“Orient is the name of a new town which has just begun on the Grand Papillion, at a distance of about 10 miles directly west of this town on the line of our military road, and at a point where there is now has a magnificent bridge under construction by the government, which is to be completed at the earliest this spring,” declared the Courrier de Florence in 1857. “The Orient is situated in the midst of an agricultural country as beautiful as stands on God’s footstool.There is an excellent stone quarry on the site of the town, and the Papillion affords ample water privileges to operate all manner of mills and machinery.

“It is unquestionably a point of the first order for an inland city of respectable size, and that it will go ahead and prosper, there is little doubt. We know the gentlemen engaged in this enterprise well and we know that they are men of energy, perseverance and liberality, such that they will ensure the growth and prosperity of their place, especially since Orient is one of the cities that happens to be in the right place.

These speculators would need a boat today. Much of their land is covered by Standing Bear Lake.

Father Flanagan might have needed a different farm to start Boys Town if Dryden had gained a foothold. Dryden would have been on the 320 acres on the north side of Pacific Street between 132nd and 144th Streets – the southern end of Boys Town. Flanagan’s first purchase, by the way, was the western half of Section 24.

From advertisements in the Omaha Nebraskian in late 1858 and 1859, it is known that Dryden had a governing body, a board of directors. WH Stark, who owned a shoe store in Omaha, was its president. His father-in-law, Alonso F. Salisbury, had obtained the deed to the Douglas County Commissioners in May 1857.






A 1932 World-Herald map reproduced the 1859 Douglas County Engineers map.


OMAHA WORLD-HERALD


The site was attractive because it was at the junction of the Omaha and Bellevue emigration trails that led to Elkhorn City (Elk City).

Eighty years later, George Rohwer erected a Dryden City sign on the southeast corner of the section on the 160 Po of 320 acres that had been owned by his family since the 1870s. Rohwer told the World-Herald that A blacksmith’s shop had been erected at the crossroads so that emigrants could shoe their oxen. As a child, he found the tiny shoes used for oxen, several broken ox bows, and buffalo skulls.

Chicago would have been north of Pacific Street between 210th and 222nd streets. A Chicago post office was established in 1858 with James Ferry, one of Omaha’s first residents, appointed postmaster. The post office was interrupted several times, only to be reopened. It was in 1872 that the post office was renamed Douglas. It is said that the name change was due to mail being misdirected at the Chicago Post Office in Illinois. Douglas then merged with the Elkhorn Post Office in 1884.

Iron Bluffs was about 2 miles south-southwest of Chicago. It covered 400 acres, originally claimed by John B. Bennett and AJ Poppleton, between today’s 222nd and the Elkhorn River and north of F Street. The Nebraskian in July 1856 extolled the natural advantages of the region.

“The city is located on a beautiful table, almost surrounded by groves, near the edge of the cliffs, which gently slope down to the river. Owned by the town company, there are several hundred acres of forest land consisting of oak, walnut, cedar, mulberry, poplar, hickory, etc.

“Associated with the wood are heavy strata of building stone, which outcrop along the cliffs. Limestone is also abundant, but the chief characteristics of this neighborhood are its heavy deposits of iron ore, which, under the examination of experienced men, is pronounced to yield about 50%. If the company (is) not disappointed in its expectations of finding coal under the sandstone layer, Iron Bluffs will soon feature the activity and bustle of an iron town.

Iron Bluffs never kept their promise. It disappeared when the Union Pacific was built to the north.

Bridgeport was on the Elkhorn River below Elkhorn City in the northern part of the county. It was a long-established waypoint for Western Mormon migration. An old flatboat ferry, established by Peter Sarpy, was moored there and a trading post opened nearby.

The army bridged the Elkhorn in 1857. Bridgeport made this transition successful. From a Colorado Gold Rush-era guidebook: “Those wishing to camp here overnight may find good lodgings for themselves, and excellent stables for their cattle, at the McNeal House , the last house before crossing the Elkhorn Bridge.”

Further west on the Mormon Road was the proposed site of Santillo in the northwest corner of the county. The site was later known as Mercer, which was a flag stop for stockyards on the Union Pacific.

Next week will be a look at Saratoga, which rivaled Omaha and Florence for prominence in the fledgling territory of Nebraska, and Grandview, which had its own big aspirations on Omaha’s south side.

Rishi Sunak may have to consult the history books to see what fate may hold for him now

0

IT comes to all of us… at that point you realize you are older than the prime minister. Although certainly not richer.

Without giving away enough personal details to identify my identity, I have a few months on Rishi Sunak who – at 42 and a bit – has just become the youngest Prime Minister since the Earl of Liverpool, Robert Jenkinson, in 1810.

1

New Prime Minister Rishi Sunak greeted supporters at Conservative headquartersCredit: Getty

Wikipedia tells me that Lord Liverpool was the first prime minister to regularly wear long trousers instead of knee-length breeches – a move golfer Payne Stewart apparently never accepted.

Fashion history is perhaps less kind to Mr Sunak, whose family fortune of £700million, however, compares somewhat more favorably to my £700 overdraft.

In 2021, as chancellor, the super-rich minister was famous – at least on Twitter – pictured wearing white socks and a pair of £95 Palm Angels ‘sliders’.

That is, expensive flip flops worn by young people.

How shortest Prime Minister Liz Truss went from a 45p tax cut to 45p in 45 days
Peston drops the C-bomb in Jeremy Hunt's clumsy blunder live on TV

The unfortunate photo was one of those carefully composed but intended to look casual pre-budget photos that politicians think kids will swallow.

Some of the kindest comments on social media cesspools have seen keyboard warriors telling Sunak to “look his age”.

Fair comment. However, the best way he could act now is as a grown-up Prime Minister for the whole country, given the time of undeniable crisis.

This may seem obvious to most people, given that this is the Prime Minister’s job.

But the last two, at least, ruled like morons – and we all paid the price.

In Boris Johnson, we had a narcissistic and reckless Chancellor who treated Downing Street and the power of the Prime Minister’s Office like his personal plaything, as I have said before.

In Liz Truss, we were led by a Prime Minister hypnotized by crackpot lobbyists, who played in front of the podium of a minority of Conservative Party members and in the process nearly brought the country down in record time.

Perhaps Sunak too will suffer from similar short-sightedness, due to the vested interests of the party whose MPs swept him to power, rather than the electorate.

But he’s not stupid. And hopefully the record of his two predecessors – not to mention Lord Liverpool, of which later – should serve as a warning.

In politics, a lot can change in a very short time, as Liz Truss would attest.

But it’s hard to see much long-term prospect for Rishi Sunak beyond stabilizing the ship.

Whether or not he succeeds as prime minister is likely to mean the difference between humiliation and honorable defeat for the Tories in the next general election.

That’s due in January 2025, unless Sunak bets on an earlier vote. But why would he, given Labour’s staggering lead in the polls?

Truss’ absence and the relief to many that Boris won’t be returning should be enough to close that gap somewhat in the weeks to come.

But if all else remains equal, the show of the self-interested Conservative Party for months now – focused not on the public, but on itself – is likely to live long in the minds of enough of voters to ensure that Labor maintains this lead. In the coming years.

Some polls in recent weeks have shown the Tories holding just a handful of MPs in the next election – and even with the SNP as the biggest opposition party.

Such snapshots can stretch plausibility. A significant portion of the population will always revert to their old loyalties at election time.

Many conservatives have privately conceded that Sunak’s task now — politically unenviable — is to roll the party back from near obliteration and shore up a solid electoral base to begin a period of opposition in 2025.

In a way, you could say he takes one for the team.

And whatever your politics – unless you’re a far-right crackpot – the appointment of a British Asian MP as Prime Minister is a welcome step in UK history.

Wealth can stop a lot of things – but not be the target of racial prejudice.

For that reason alone, the SNP will be suspicious of how they approach Sunak, far more than their unfettered bashing at Truss and Johnson.

The Nats – a party that often puts virtue above all else – will have a much harder time demonizing a British Asian PM than they did with, say, a selfish jester or a Margaret Thatcher robot impersonator defective.

The SNP press release on Sunday evening after Boris’ exit was a failed mix-up which stated that “with his ruthless austerity record of his time as chancellor, we know Rishi Sunak will be just as bad as Johnson the was for the people of Scotland”.

Given that Sunak is best known as the off-duty guy, this forward line might not be the most fruitful.

And, as bad as Johnson? Go on.

And unlike Truss, who famously said Nicola Sturgeon was ‘better ignored’ – and didn’t contact the Prime Minister once while in office – Sunak took a far less silly stance this summer when quizzed on how he would handle the SNP. leader, saying avoiding it would be ‘dangerously complacent’ and that it was essential to have a ‘laser focus on delivery for every part of our UK’.

Fairly obvious political reality – but something, remarkably, with which Ms. Truss failed.

Unlike the two previous prime ministers, Sunak is not a foot-in-mouth politician.

Unfortunately for us hacks, it’s actually a bit boring.

But one of his big vulnerabilities — other than his dysfunctional party baggage — is undoubtedly his own wealth.

Together with his wife Akshata Murhty, they sit on a fortune of around £730million.

A sum not to be overlooked.

But Sunak made no secret during the summer leadership campaign that he needed to tighten his belt after soaring borrowing.

And if he sticks to new Chancellor Jeremy Hunt’s approach and seeks cuts, his reputation as the man who opened the purse strings during Covid will quickly fall.

The cost of living crisis is simply not an issue for Mr. Sunak personally.

But, politically, his personal situation matters.

All government ministers enjoy a privileged position over the people they serve, by virtue of typical six-figure salaries and the power they wield.

But for someone of Sunak’s wealth and status, if his government turns the screws on the worst in society, he won’t be a hard target.

For his opponents, it will be like knocking on a barn door.

And it may be around 200 years old, but it would be worth Sunak leafing through the history books of Lord Liverpool’s record, a brilliant young Tory, to see what fate may hold for him now.

He too lived a privileged life, and he too was 42 when he came to power in 1812.

He was soon saddled with a massive national debt – sound familiar? – following the Napoleonic wars.

This has led to steep tax hikes, major disruptions and waves of violent industrial action.

If this all sounds a little too Sunak-like, that’s because it is.

I'm an American who moved to Scotland - everyone hates it here I'm confused
I work at McDonald's - an outrageous customer made the staff cry for a ridiculous reason

Lord Liverpool, however, continued to manage 15 years in power.

If Sunak gets three, it will be remarkable.

We pay for your stories and videos! Do you have a story or video for The Scottish Sun? Email us at [email protected] or call 0141 420 5200

The National Museum of the American Indian opens the National Native American Veterans Memorial on November 11

0

All are invited to join the Smithsonian’s National Museum of the American Indian in dedicating the National Native American Veterans Memorial on Friday, November 11. The Indigenous Veterans Dedication Procession and Ceremony will take place beginning at 2 p.m. on the National Mall in Washington, D.C., as part of a three-day event (November 11-13) to honor military service Native American, Alaska Native and Hawaiian veterans. Information about the dedication and how to register to participate in the Aboriginal Veterans Procession can be found by visiting the memorial website americanindian.si.edu/nnavm The procession and dedication will be broadcast live.

Events November 11 will begin with a procession of Native American veterans along the National Mall, from the museum to the ceremony scene in front of the United States Capitol. Registration is open to individual veterans and groups of veterans. Family members, friends and communities are encouraged to honor participating veterans from viewing areas along the procession route. The dedication ceremony will begin at 4 p.m.

The museum will remain open until 8 p.m. on November 11.

weekend celebration

Throughout the weekend (November 12 and 13), the museum will host special programming in honor of the memorial’s dedication, including performances by musical artists, presentation of the colors by the Native American Women Warriors , hands-on activities, movies and a Veterans Hospitality Suite.

Visitors can also visit the exhibition “Why We Serve: Native Americans in the United States Armed Forceson the second floor of the museum. The exhibit, which tells personal stories of Native Americans, Native Hawaiians and Alaska Native veterans who served in the United States Armed Forces, brings long-awaited recognition to those who served their country from selflessly and with honor for more than 250 years.

For more information, visit AmericanIndian.si.edu/visit/washington/nnavm-dedication

All activities listed take place on Saturday and Sunday, unless otherwise stated.

Veterans Home Suite

10am–5.30pm | Sponsors’ Fair | Level 4

Hospitality area with seating and light refreshments provided to veterans.

Meet the designer of the memorial*

12 p.m.–1 p.m. (*Saturday only) | Rasmuson Theater | Level 1

Memorial designer Harvey Pratt and curator Rebecca Trautmann discuss the design process and creation of the memorial.

Meet the authors*

1 p.m.–3 p.m. (*Sunday only) | Overlook | Level 2

Alexandra Harris and Mark Hirsch, authors of Why we serve discuss the exhibit and sign purchased copies of the book.

Musical and cultural performances

10am–5pm | Potomac Atrium | Level 1

10:00 a.m. Start of the program: Shawn Martinez (Diné), aka DJ Tribal Touch

10:15 a.m. – 10:30 a.m. Presentation of the colors of the Native American warriors (intertribal)

10:30 a.m.–10:45 a.m. Charly Lowry (Lumbee/Tuscarora) and Alexis Raeana (Lumbee)

11:15 a.m. – 11:30 a.m. The Aloha Boys (Native Hawaiian)

12:00-12:30 Wade Fernandez (Menominee)

12:45–1:15 p.m. DDAT (Navajo)

1:30 p.m. to 2 p.m. Singers from Akwesasne (Mohawk)

2:15 p.m. to 2:45 p.m. Innastate (Various Pueblos)

3:00 p.m. to 3:30 p.m. Morongo Birdsingers (Morongo Band of Mission Indians)

3:45-4:15 p.m. Spencer Battiest (Florida Seminole)

4:30 to 5 p.m. Keith Secola (Ojibway)

Movies

11am–5pm | Rasmuson Theater | Level 1

Films featuring the National Native American Veterans Memorial and veterans service are screened throughout the weekend.

Series of short films (60 min.)

Cree code speakers

(Canada, 2016, 13 mins.)

Directed by: Alexandra Lazarowich (Cree)

English and Cree with English subtitles

Gene Boy Came Home

(Canada, 2007, 24 mins.)

Director: Alanis Obomsawin (Abenaki)

A service history (Auburn Vet)

(USA, 2018, 4 mins.)

Director: Tracy Rector

Ka Ho’i (The Return)

(USA, 2021, 20 mins.)

Director: Mitchell Viernes

Writer/Producer: Lopaka Kapanui (Kanaka Maoli)

Feature films

Navajo Code Talkers: A Journey of Memory

(USA, 2017, 70 mins.)

Director: George A. Colburn

protectors of the people

(USA, 2018, 57 mins.)

Director: Leya Hale (Sisseton Wahpeton Dakota and Diné)

Practical activities

The museum’s imagiNATIONS activity center will offer activities for young visitors, including veteran profiles, postcard stations, making a paper star for veterans and story time.

Do you enjoy an Indigenous perspective on the news?

For the past decade and more, we’ve covered important Indigenous stories that are often overlooked by other media. From the protests at Standing Rock and the toppling of colonizer statues during the racial equity protests, to the ongoing epidemic of Murdered and Missing Indigenous Women (MMIW) and delinquent accounts related to assimilation, cultural genocide and at Indian Residential Schools, we were there to provide an Indigenous perspective and elevate Indigenous voices.

Our short stories are free to read for everyone, but they are not free to produce. That’s why we’re asking you to donate this month to support our efforts. Any contribution – large or small – helps us to remain a force for change in Indian Country and to continue to tell the stories that are so often ignored, erased or neglected. Most often, our donors make a one-time donation of $20 or more, while many choose to make a recurring monthly donation of $5 or $10. Whatever you can do helps fund our Indigenous-led newsroom and our ability to cover Indigenous news.

Donate to Native News Online today and support independent Indigenous journalism. Thanks.

Personal loan interest rates continue their downward trend for 3-year fixed rate loans

0

Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders, all opinions are our own.

The latest personal loan interest rate trends from Credible Marketplace, updated weekly. (Stock)

Borrowers with a good credit application personal loans in the past seven days pre-qualified for lower rates for 3-year loans and higher rates for 5-year loans than the previous seven days.

For borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender between October 13 and October 19:

  • Rates on 3-year fixed rate loans averaged 12.01%, down from 12.13% the previous seven days and from 11.03% a year ago.
  • Rates on 5-year fixed rate loans averaged 15.73%, down from 15.44% the previous seven days and from 13.84% a year ago.

Personal loans have become a popular means of consolidate and pay off credit card debt and other loans. They can also be used to cover unexpected expenses like medical billstake care of a major purchase or finance home improvement projects.

Personal loan interest rates have fallen slightly over the past seven days for 3-year fixed rate loans, while 5-year rates have increased. Rates on 5-year loans increased by 0.29 percentage points, while 3-year loans fell by 0.12 percentage points. In addition to today’s rate changes, interest rates for both loan terms are higher than they were this time last year. Borrowers can enjoy interest savings now with a 3-year personal loan. Both loan terms offer significantly lower interest rates than higher cost borrowing options like credit cards.

Whether a personal loan is right for you often depends on several factors, including the rate you may qualify for. Comparing several lenders and their rates could help you get the best possible personal loan for your needs.

It’s always a good idea to comparison store on sites like Credible to understand how much you qualify for and choose the best option for you.

Here are the latest personal loan interest rate trends from the Credible Marketplace, updated monthly.

Personal Loan Weekly Rate Trends

oct-21-personal-loans.jpg

The table above shows the average prequalified rates for borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender.

For the month of September 2022:

  • 3-year personal loan rates averaged 11.65%, down from 15.03% in August.
  • 5-year personal loan rates averaged 15.60%, down from 16.52% in August.

Personal loan rates vary widely depending on credit rating and length of loan. If you’re curious about what kind of personal loan rates you might qualify for, you can use an online tool like Credible to compare the options of different private lenders. Checking your rates will not affect your credit score.

All Credible Marketplace lenders offer fixed rate loans at competitive rates. Since lenders use different methods to assess borrowers, it’s a good idea to ask for personal loan rates from multiple lenders so you can compare your options.

Current personal loan rates by credit score

Graphic-personal-loans-credible.jpg

In September, the average prequalified rate retained by borrowers was:

  • 9.25% for borrowers with credit scores of 780 or higher choosing a 3-year loan
  • 29.08% for borrowers with a credit score below 600 who choose a 5-year loan

Depending on factors such as your credit score, the type of personal loan you are looking for, and the repayment term of the loan, the interest rate may differ.

As the chart above shows, a good credit rating can mean a lower interest rate, and rates tend to be higher on loans with fixed interest rates and longer repayment terms.

How to get a lower interest rate

Many factors influence the interest rate a lender can offer you for a personal loan. But there are steps you can take to increase your chances of getting a lower interest rate. Here are some tactics to try.

Increase credit score

Generally, people with higher credit scores qualify for lower interest rates. Steps that can help you improve your credit score over time include:

  • Pay your bills on time. Payment history is the most important factor in your credit score. Pay all your bills on time for the amount owed.
  • Check your credit report. Check your credit file to make sure there are no errors. If you find any errors, dispute them with the credit bureau.
  • Reduce your credit utilization rate. Paying off credit card debt can improve this important credit score factor.
  • Avoid opening new credit accounts. Apply for and open only the credit accounts you really need. Too many serious inquiries on your credit report in a short time could lower your credit score.

Choose a shorter loan term

Personal loan repayment terms can vary from one to several years. Typically, shorter terms come with lower interest rates because the lender’s money is at risk for a shorter period.

If your financial situation allows it, applying for a shorter term could help you get a lower interest rate. Keep in mind that the shorter term doesn’t just benefit the lender – by choosing a shorter repayment term, you’ll pay less interest over the life of the loan.

Get a co-signer

You may be familiar with the concept of a co-signer if you have student loans. If your credit isn’t good enough to qualify for the best personal loan interest rates, find a co-signer with good credit could help you get a lower interest rate.

Remember that if you are unable to repay the loan, your co-signer will have to repay it. And co-signing a loan could also affect their credit score.

Compare rates from different lenders

Before applying for a personal loan, it’s a good idea to shop around and compare offers from several different lenders to get the lowest rates. Online lenders generally offer the most competitive rates and can be quicker to disburse your loan than a physical establishment.

But don’t worry, comparing rates and terms doesn’t have to be a tedious process.

Credible is easy. Simply enter the amount you wish to borrow and you can compare multiple lenders to choose the one that suits you best.

About Credible

Credible is a multi-lender marketplace that allows consumers to discover the financial products best suited to their particular situation. Credible’s integrations with major lenders and credit bureaus allow consumers to quickly compare accurate and personalized loan options without putting their personal information at risk or affecting their credit score. The Credible Marketplace delivers an unparalleled customer experience, as evidenced by over 4,500 positive Trustpilot reviews and a TrustScore of 4.7/5.

How to Get a $2,000 Personal Loan – Forbes Advisor

0

Editorial Note: We earn a commission on partner links on Forbes Advisor. Commissions do not affect the opinions or ratings of our editors.

Borrowing a $2,000 personal loan could help you out of a tough spot, whether you need to cover a medical bill, a car repair, or some other expense. While some lenders require you to take out a larger loan, there are banks, credit unions, and online lenders that offer $2,000 loans. You might even be able to get financing in as little as one business day.

Follow these five steps to get a $2,000 loan.

1. Consider qualification requirements

Most personal loans are unsecured, so a lender bases their approval decision primarily on your credit and income. Here are some common qualification requirements for getting a $2,000 loan:

  • Credit. A lender will look at your credit history and credit score when evaluating you for a loan. Borrowers with strong credit are more likely to qualify for more favorable terms. A good FICO score starts at 670, a very good score starts at 740, and an exceptional score starts at 800. You can check your credit score with all three major credit bureaus, use a credit monitoring service or go through your credit card provider. You can also view your credit report from AnnualCreditReport.com. If you spot reporting errors, challenge them to have them removed.
  • Revenue. You will need to meet a lender’s income requirements to qualify for a $2,000 loan. A lender may ask you to upload pay stubs when you apply to ensure you have the funds to repay your loan.
  • Debt-to-income ratio (DTI). Your DTI report compares your monthly debt payments with your monthly income. This is another indication of your ability to repay a loan. If your DTI is too high, a lender might reject your loan application. Lenders generally prefer a DTI of 35% or less.
  • Co-applicant. Although a co-applicant is not required to borrow a $2,000 loan, some lenders allow you to add one to your application if you cannot meet the credit and income requirements on your own.
  • Collateral. Most personal loans are unsecured, meaning they don’t require collateral. However, you can find secured loans, especially if you don’t meet a lender’s credit and income criteria. Secured loans are backed by collateral, such as a car title or bank account. However, you could lose your guarantee in the event of late payment.

2. Prequalify with multiple lenders

Although a $2,000 loan is a relatively small sum, it’s still worth shopping around for the best deal. Many online lenders allow you prequalify for a loanwhich means you can check your rates without affecting your credit score.

All you have to do is provide some basic personal information and the lender will show you loan offers. These offers aren’t locked in until you submit a complete application, but they can give you an idea of ​​your rates.

3. Compare your offers

Compare offers from various lenders to find the one with the lowest interest rate and fees. Here are some factors to consider when comparing $2,000 loans:

  • Annual percentage rate (APR). Your loan is APR measures both interest rate and fees, allowing you to compare loans on an apples-to-apples basis. The loan with the lowest APR should be the most affordable.
  • Repayment Terms. Consider how many months or years you will need to repay the loan. Since your loan amount is small, your repayment terms may be shorter than they would be for a larger sum.
  • Monthly payments. Review what your monthly payments will be on each loan offer to make sure they fit your budget.
  • Funding time. Find out how long it will take to receive the funds, especially if you have an immediate need for the loan.
  • Customer service and reviews. Check out lender reviews to see what other borrowers have to say about the loan process and customer service. Make sure the lender offers customer support via phone, email, and/or online chat in case you have questions or run into problems.

4. Complete and submit your application

Once you’ve found a loan offer you like, fill out and submit a full application. This application will be more complete than the pre-qualification form.

You will provide your personal information and upload all required documents. Sample documents include pay stubs, W-2 forms, and bank statements, although requirements vary by lender.

Many lenders allow you to complete the application online, although some offer the option of applying over the phone or in person.

5. Manage and repay your loan

After you submit your application, the lender will review your information and run a firm credit application to check your credit. This rigorous credit check could temporarily reduce your credit score by a few points.

Assuming the lender approves the loan, you will receive the funds less any origination fees charged by the lender. You will also start repaying the loan according to the agreed repayment term. Consider setting up automatic payments to make sure you don’t miss any.

How to get a $2,000 loan with bad credit

Bad credit can limit your options for a $2,000 personal loan. Since most personal loans are unsecured, lenders rely on your credit and income to determine your risk as a borrower.

That said, it’s still worth shop to see if a lender is willing to work with you. Universal Credit, for example, requires a minimum score of 560, while Upgrade and Avant require scores starting at 580.

You can also check with your current bank or credit union to see what they can offer. Some lenders will also let you apply with a co-signer or opt for a secured personal loan if your credit isn’t up to scratch.

Finally, you can search for a peer-to-peer lending or one alternative payday loan (PAL) from a credit union, both of which may have more flexible credit requirements than traditional personal loans.

Beware of loans that don’t require a credit check, as these can be payday loans with exorbitant interest rates and fees. Payday loans typically require repayment within weeks and can have fees equivalent to APRs of 400% or more.

Where to get a $2,000 loan

Long-term costs of a $2,000 loan

The long-term costs of a $2,000 loan vary depending on your interest rate, fees, and repayment terms. The lower your rate and fees, the lower your borrowing costs will be.

You can also reduce your borrowing costs by opting for a shorter loan term. The downside of choosing a short-term loan, however, is that your monthly payments will be higher.

For example, let’s say you borrow a $2,000 personal loan at a rate of 10%. With a repayment term of one year, your monthly payment would be around $176 and you would pay $110 in total interest charges. Over a two-year term, your monthly payment would be $92, but your total interest charges would almost double to $215.

Use our personal loan calculator to estimate both your monthly payments and your long-term charges according to different repayment terms. Searching for a $2,000 loan offer can also help you find a loan that fits your budget.

National Museum of Mexican Art in Pilsen gets $500,000 to expand educational programs

0

PILSEN – The National Museum of Mexican Art will soon be able to reach more students and community members who want to learn more about Mexican art and history.

The museum, located at 1852 W. 19th St., received a five-year, $500,000 grant from BMO to redesign and improve its art teaching studio, which offers classes, tours and workshops for students and adults,” said Carlos Tortelero, founder and president of the museum. The museum will also create a staff position dedicated to on-site education and engagement, Tortelero said.

This is the largest corporate grant the museum has received and will allow the museum to double the number of students it serves, Tortelero said. The museum has been a beloved cultural institution in the neighborhood for 40 years and provides arts education to thousands of people, Tortelero said.

“We want to serve as many people as possible,” Tortelero said.

The National Museum of Mexican Art is open from 10 a.m. to 5 p.m. Tuesday through Sunday. Admission is always free.

RELATED: Ofrendas honoring the victims of Uvalde, Ukrainians are part of the Día De Los Muertos exhibit at the National Museum of Mexican Art

Subscribe to Block Club Chicago, an independent, 501(c)(3) newsroom run by journalists. Every penny we earn funds neighborhoods across Chicago.

Click on here to support Block Club with a tax deductible donation.

Thank you for subscribing to Block Club Chicago, an independent, 501(c)(3), journalist-run newsroom. Every penny we make funds Chicago neighborhoods. Click on here to support Block Club with a tax deductible donation.

Listen to “It’s Alright: A Block Club Chicago Podcast”:

‘Rowe’ in the GTBY Breakers history books | Sports

0

TRAVERSE CITY — A swimmer like Blake Rowe of Traverse City doesn’t come around that often. And, at such a young age, Rowe is barely scratching the surface of his potential.

Rowe has made history since joining the Grand Traverse Bay YMCA Breakers at a young age. At just 16, Rowe qualified for the Speedo Winter Junior Championships earlier this year, making him the first Breakers 98-year-old swimmer to qualify.

But his entries in the Breakers history books don’t end there.

Rowe earned a USA Swimming Scholastic All-American, making him the first-ever Breaker to also win this award.

The Traverse City St. Francis junior did things his way. Much like his favorite song, Frank Sinatra’s “My Way,” Rowe went against the grain of what most Traverse City-area swimmers have done.

Since there are no boys’ swim programs in high schools in the Traverse City area, most boys join the Breakers club to compete on a swim team. Although there are still girls who join Breakers, it is mostly boys as there are girls’ co-op teams with the three local schools in Traverse City.

One of the reasons why there are no men’s swimming teams is that some competitions take place in winter, which is around the same time that most winter sports start. .

In the past, local schools have seen a drop in the number of boys joining swim teams, so they decided to cut it – leaving only girls from all three high schools to join and form the Traverse City Tritons.

Before Rowe joined the Breakers, he loved to ski. But after a few swimming lessons, Rowe had to tell his ski-loving father that he wanted to swim instead. Her father was more than okay with her decision.

Although Rowe still enjoys skiing, he knows he has to be careful with any physical activity. His trainer, Kathy Coffin-Sheard, joked that he had to ask permission to do any physical sport apart from swimming because of the number of times he had broken a bone.

“I get hurt pretty quickly and easily,” Rowe said with a laugh. “I broke my right wrist two years in a row.”

Coffin-Sheard added that Rowe can’t even stand on a chair due to the number of times he’s been injured. But despite broken bones, Rowe still broke records at an alarming rate.

In the 15+ division, Rowe’s name is in the record books for short and long courses.

In short course, he broke seven records in 2021. Most of the records he broke were records he set himself.

The seven records are 500m freestyle (5:10:25), 100m backstroke (53.29), 200m backstroke (1:55.28), 1650m backstroke (17:57.84), 200 IM (1 :57.66), 50m backstroke (29.86) and 400IM (4:11.08).

Over the long course, Rowe broke nine records. The records are 200 freestyle (2:06.51), 400 freestyle (4:30.27), 800 freestyle (9:28.92), 100 backstroke (1:01.55), 200 backstroke (2:14.99), 50 butterfly (28.62 ), 200 butterfly (2:27.67), 200 IM (2:16.13) and 400 IM (4:51.99).

Rowe noted that his favorite event for swimming is the 100 and 200 backstroke because he gets to breathe while swimming.

Rowe not only excelled in the pool, but inside the classroom, earning over a 4.0 GPA, surpassing the 3.5 GPA Scholastic All-American requirement.

During Rowe’s second year at St. Francis, he was taking every honors course and still breaking records. This year, he is taking three advanced placement courses and two specialization courses.

The junior sensation does not use the tutoring services that are provided and still manages to get good grades. That said, Rowe finds time when he doesn’t have to think about school or swimming.

Since starting school, he has had no problem finding a balance between the two. Rowe said around December the workload will be a little overwhelming, but he knows how to set aside time by having good time management.

Prior to this weekend, Rowe was swimming in just three events per competition. But this coming weekend, it has nine individual events and two relays. With just three competitions remaining before the junior championships in December, Coffin-Sheard and her assistant are making sure Rowe is ready to go when the time comes.

“A lot of kids are challenged,” Coffin-Sheard said. “We push them in our first encounters as a couple because we want them to take a bit more to load bare and then work on the run. It’s really about the art of racing, competing and having fun instead of focusing on our fastest time. I mean, if we get our best time out of it, that’s a good thing.

“In the beginning, it’s really about conditioning and preparation for our next phase of performance training, which will be to work more on sprint work.

Increasing the number of events for Rowe was something Coffin-Sheard decided on, and Rowe was all for it because he likes swimming in more than three events. She signed him up for more than he usually does to get him running; so that when it comes time for the national junior championships, he’s ready.

While Rowe isn’t the only Breakers swimmer participating, there are approximately 60 kids who will be traveling with their families for the upcoming event. Coffin-Sheard noted that it’s one of the biggest bands they’ve had.

“This is really good news for the program,” Coffin-Sheard said. “I think this sport has grown. We have families like the Rowes. We’ve seen a lot of consistency over the last two or three years, just having more people more interested in going and taking their kids to events.

“It’s also expensive, and it’s a big family commitment, so we try to be as supportive as possible.”

Since Rowe is only a junior, he has already set his sights on getting into a Division 1 school. He has thought of a few schools he wants to attend. One of the schools is Duke University.

He said when they went to North Carolina over the summer, he got a chance to visit the school and fell in love with everything.

He also added that he wouldn’t mind going to southern schools to get away from the cold. Rowe has received offers from Boston University and Bryant University over the past two weeks.

Another goal Rowe has for himself is to qualify for the Olympic Trials, but he is currently four seconds behind the qualifying times.

To be good at this sport, a strong support system is needed. Rowe has that.

Rowe’s parents have been extremely supportive of everything he does. Rowe said that when they attended swimming meets, he knew where his parents were because of the noise they could make.

Rowe notes that having friends on the Breakers has been a plus for him as he continues his journey. Most of his teammates attend local schools in Traverse City.

Since Rowe qualified for the Junior Nationals in December, he’s had the chance to continue writing his history in the Breakers’ record books. If he qualifies for a specific time at the Junior Nationals, he will be able to swim at the Nationals with swimmers from across the United States.

Rowe knows his ceiling is high; but for now, he’s enjoying the ride and can’t wait to see where his journey takes him.

Theo Richmond obituary | history books

0

In 1968, an 800-page memorial book arrived in the post at Theo Richmond’s home in west London – a book of remembrance for a Jewish community destroyed in the Holocaust, written by the few survivors. This commemorated the Jewish community of Konin, then a small Polish town on the Warta River. Theo’s parents had lived there before emigrating to Britain just before the First World War, and Theo and his father had subscribed to a donation for the publication of the book. Since it was written in Yiddish, which he couldn’t read at the time, Theo put it aside.

Twenty years later, he took it back, examined his final list of the 2,000 Konin Jews murdered during the Holocaust, and found he could decipher the names of at least seven of his relatives, including two of his Grand parents. As he would later write: “I turned the pages and knew the decision had been made for me: I had to write my own book about the Jewish men and women of Konin, a book that would mix past and present, which being a confluence of two rivers, the Thames and the Warta.

The result was Konin: A Quest (1995), an extraordinary work of social and cultural history, which won both the Jewish Quarterly-Wingate Prize and the Heinemann Prize of the Royal Society of Literature.

The Konin Synagogue at the beginning of the 20th century

For seven years, Theo learned Yiddish, traveled to interview surviving Koniners scattered in places from New York to Omaha to Tel Aviv, and collected extensive documentation of the life and death of their extinct community. From this mass of materials, he was able to recreate, street by street, even house by house, the 1930s Jewish quarter of Konin clustered around its market square, the Tepper Marik.

He also recreated its inhabitants, right down to their nicknames, from Leibke the Scribe to Dokonch the Burper. By telling the story of their lives as well as their deaths, Theo, who died aged 93, ensured they would be remembered as individuals rather than statistics.

Theo was born in Forest Gate, east London, to Samuel Richmond (née Ryczke), a businessman, and his wife, Bertha (née Sarna). He was educated in St Albans, where his family moved during the Second World War, and did two years teaching national service in the RAF before studying international relations at the London School of Economics.

He then embarked on a career as a film publicist. He started at the Rank advertising office in Pinewood in Buckinghamshire, meeting household names such as Richard Attenborough, Dirk Bogarde and Brigitte Bardot (whom he once offered a wine gum which she found “disgusting”). He then set up on his own, working with MGM and in particular the Boulting brothers. In 1957, while advertising the film version of Lucky Jim, he met Kingsley Amis, who became a lifelong friend.

Richmond, right, with Hilly and Kingsley Friends
Richmond, right, with Hilly and Kingsley Friends

In the 1960s Theo moved away from advertising to directing television programs such as The South Bank Show, Man Alive and This Week. For the Shell Film Unit, he also researched and directed several documentaries. Two in particular appear well ahead of their time in today’s perspective: Time for Energy (1982), on alternative energy sources; and For Want of Water (1983), on the urgent need for drinking water in developing countries. Making For Want of Water took him on adventures ranging from the dangerous to the comical in remote corners of the world. While filming in Nepal, he slipped in a rock fall and broke his finger. There was no hospital within two days’ journey, so Theo found himself in a mountain cabin, with a local nurse sticking her finger in a torchlight and a goat biting his foot left.

From the 1970s he also wrote a great deal of journalism, mainly for the Guardian and the Telegraph magazine; he has contributed more than 40 profiles to the Guardian alone. Among the personalities he interviewed were Yehudi Menuhin, John Berger, Sir Huw Wheldon and James Lees-Milne.

Théo was an unforgettable character, warm, extremely kind, an excellent host and a great storyteller. He had a brilliant sense of humor, with a flair for turning angst into laughter. He was also deeply erudite, with a broad cross-cultural frame of reference, capable of lengthy, not-quite-serious disputes over matters as mysterious as the date of the last British cavalry charge (it was at Toungoo in Burma in 1942).

In 1955, Théo married Diane Souccar, whom he met at the LSE. She died suddenly in 1961, leaving him to raise their two young children, Jonathan and Sarah. In 1965, Theo married novelist and screenwriter Lee Langley. He is survived by Lee and their son, Simon, and Sarah. Jonathan died in 2020.

Herbert Theodore Richmond, writer, born May 7, 1929; died on August 25, 2022

Secretary of the Navy Announces Preferred Location of New United States Navy Museum > United States Navy > News-Stories

0
Secretary of the Navy Announces Preferred Location of New United States Navy Museum > United States Navy > News-Stories

221018-N-FK318-1064 WASHINGTON NAVY YARD (Oct. 18, 2022) Secretary of the Navy Carlos Del Toro speaks to members of the public at the National Museum of the U.S. Navy (NMUSN) during a ceremony celebrating the 247th Navy birthday. During the ceremony, Del Toro announced the US Navy’s preferred location for a new NMUSN, which would be on land adjacent to the Washington Navy Yard that would be acquired either by land swap or outright purchase. This would allow the museum to provide the general public with unfettered access to the history and heritage of the United States Navy. (US Navy photo by Mass Communication Specialist 1st Class Abigayle Lutz)

The Navy’s preferred location for the new NMUSN would be on land adjacent to the Washington Navy Yard which would be acquired either by land swap or outright purchase. This would allow the museum to provide the general public with unfettered access to the history and heritage of the United States Navy.

“The exhibits in this new museum will create a living memorial to the United States Navy’s legacy of victory and bravery, bringing to life the human experiences of service at sea,” said Del Toro. “It will give all visitors to the future museum – regardless of their previous military experience – a better appreciation and understanding of the economic and diplomatic importance of what a strong and robust navy means to our national and economic security.”

NHHC celebrates Navy's 247th anniversary

221018-N-FK318-1142 WASHINGTON NAVY YARD (Oct. 18, 2022) Navy Museum Development Foundation (NMDF) Chairman Al Konetzni, U.S. Navy Vice Admiral (Ret.), Director of Command of Naval History and Heritage (NHHC) Samuel J. Cox, U.S. Navy Rear Admiral (Retired), Secretary of the Navy Carlos Del Toro, and Yeoman 2nd Class Caroline Ficklin, assigned to NHHC , cut the Navy’s birthday cake at the National Museum of the US Navy (NMUSN) during an event celebrating the Navy’s 247th birthday. During the ceremony, Del Toro announced the US Navy’s preferred location for a new NMUSN, which would be on land adjacent to the Washington Navy Yard that would be acquired either by land swap or outright purchase. This would allow the museum to provide the general public with unfettered access to the history and heritage of the United States Navy. (US Navy photo by Mass Communication Specialist 1st Class Abigayle Lutz)

The Navy is seeking approximately six acres of land just outside Tingey Gate at the Washington Navy Yard to improve security at the facility. The Department of the Navy is now moving forward with the consultations and public participation required by the National Historic Preservation Act and the National Environmental Policy Act. A draft environmental impact statement was published in the Federal Register on October 14, 2022, to seek public comment on the acquisition of the property and the proposed uses of the land. The Navy will consider comments received during the public comment period and prepare the final Environmental Impact Statement before issuing a Record of Decision on how the land will be acquired and used.

“The NMUSN campus would serve as an educational, inspirational, cultural and ceremonial center for those who have served and are serving in the Navy today,” said Sam Cox, director of Naval History and Heritage Command, a Rear Admiral retired. “This is an exciting and tangible step toward realizing Navy Leadership’s long-standing vision to build a state-of-the-art museum that shares their nation’s incredible naval history with the American public. .”

Washington, District of Columbia

Artist’s impression of the new National Museum of the US Navy (NMUSN). On October 13, 2020, the Navy announced plans to build a new NMUSN campus that will serve as an educational, inspirational, cultural, and ceremonial center for those who have served and are serving in the Navy today. Exhibits in the advanced museum will demonstrate to the public the essential role a strong navy plays in the defense of the nation. The Navy is partnering with the National Navy Museum Development Foundation, a registered 501(c)(3) organization, to raise an estimated $225 million for the construction of the first phase of the state-of-the-art facility with development opportunities spiral of additional phases totaling $450 million. The Navy plans to build the museum’s new campus on M Street adjacent to the Washington Navy Yard as part of the vibrant Capitol Riverfront Business Improvement District. (Rendered US Navy / RELEASED)

The Navy has partnered with the Navy Museum Development Foundation to assist in the development, design, construction, renovation and operation of a multi-purpose museum campus to house the National Navy Museum of United States. This is a model used similarly by the US Marine Corps and the US Army in their very successful national museums.

Naval History and Heritage Command is spearheading the new NMUSN initiative and hopes to celebrate a construction milestone on the Navy’s 250th anniversary on October 13, 2025.

The NHHC, located at the Washington Navy Yard, is responsible for the preservation, analysis, and dissemination of America’s naval history and heritage. It provides the Navy’s knowledge base by maintaining historically relevant resources and products that reflect the Navy’s unique and enduring contributions throughout our country’s history and supports the fleet by assisting and providing professional research services. , analysis and interpretation. The NHHC includes many activities, including the Navy Department Library, Navy Operational Archives, Navy Art and Artifact Collections, Underwater Archaeology, Navy Histories, 10 museums, the USS Constitution repair facility and the historic ship Nautilus.

For more NHHC news, visit www.history.marine.mil.

Personal loan interest rates drop slightly for 3 and 5 year fixed rate loans

0

Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders, all opinions are our own.

The latest personal loan interest rate trends from Credible Marketplace, updated weekly. (Stock)

Borrowers with a good credit application personal loans in the last seven days prequalified for lower rates for 3 and 5 year loans compared to the previous seven days.

For borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender between October 10 and October 16:

  • Rates on 3-year fixed-rate loans averaged 12.06%, down from 12.11% the previous seven days and from 11.47% a year ago.
  • Rates on 5-year fixed rate loans averaged 15.52%, down from 15.54% the previous seven days and from 13.86% a year ago.

Personal loans have become a popular means of consolidate and pay off credit card debt and other loans. They can also be used to cover unexpected expenses like medical billstake care of a major purchase or finance home improvement projects.

Personal loan interest rates have fallen slightly over the past seven days for 3- and 5-year loans. Rates on 5-year loans saw a drop of 0.02 percentage points, while 3-year loans saw a slightly larger drop of 0.05 percentage points. Despite today’s cuts, interest rates for both loan terms are higher than they were this time last year. Yet borrowers can take advantage of interest savings now with a 3- or 5-year personal loan. Both loan terms offer significantly lower interest rates than higher cost borrowing options like credit cards.

Whether a personal loan is right for you often depends on several factors, including the rate you may qualify for. Comparing several lenders and their rates could help you get the best possible personal loan for your needs.

It’s always a good idea to comparison store on sites like Credible to understand how much you qualify for and choose the best option for you.

Here are the latest personal loan interest rate trends from the Credible Marketplace, updated monthly.

Personal Loan Weekly Rate Trends

oct-17-personal-loans.jpg

The table above shows the average prequalified rates for borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender.

For the month of September 2022:

  • 3-year personal loan rates averaged 11.65%, down from 15.03% in August.
  • 5-year personal loan rates averaged 15.60%, down from 16.52% in August.

Personal loan rates vary widely depending on credit rating and length of loan. If you’re curious about what kind of personal loan rates you might qualify for, you can use an online tool like Credible to compare the options of different private lenders. Checking your rates will not affect your credit score.

All Credible Marketplace lenders offer fixed rate loans at competitive rates. Since lenders use different methods to assess borrowers, it’s a good idea to ask for personal loan rates from multiple lenders so you can compare your options.

Current personal loan rates by credit score

bar-chart-personal-loans-oct-17.jpg

In September, the average prequalified rate retained by borrowers was:

  • 9.25% for borrowers with credit scores of 780 or higher choosing a 3-year loan
  • 29.08% for borrowers with a credit score below 600 who choose a 5-year loan

Depending on factors such as your credit score, the type of personal loan you are looking for, and the repayment term of the loan, the interest rate may differ.

As the chart above shows, a good credit rating can mean a lower interest rate, and rates tend to be higher on loans with fixed interest rates and longer repayment terms.

How to get a lower interest rate

Many factors influence the interest rate a lender can offer you for a personal loan. But there are steps you can take to increase your chances of getting a lower interest rate. Here are some tactics to try.

Increase credit score

Generally, people with higher credit scores qualify for lower interest rates. Steps that can help you improve your credit score over time include:

  • Pay your bills on time. Payment history is the most important factor in your credit score. Pay all your bills on time for the amount owed.
  • Check your credit report. Check your credit file to make sure there are no errors. If you find any errors, dispute them with the credit bureau.
  • Reduce your credit utilization rate. Paying off credit card debt can improve this important credit score factor.
  • Avoid opening new credit accounts. Apply for and open only the credit accounts you really need. Too many serious inquiries on your credit report in a short time could lower your credit score.

Choose a shorter loan term

Personal loan repayment terms can vary from one to several years. Typically, shorter terms come with lower interest rates because the lender’s money is at risk for a shorter period.

If your financial situation allows it, applying for a shorter term could help you get a lower interest rate. Keep in mind that the shorter term doesn’t just benefit the lender – by choosing a shorter repayment term, you’ll pay less interest over the life of the loan.

Get a co-signer

You may be familiar with the concept of a co-signer if you have student loans. If your credit isn’t good enough to qualify for the best personal loan interest rates, find a co-signer with good credit could help you get a lower interest rate.

Remember that if you are unable to repay the loan, your co-signer will have to repay it. And co-signing a loan could also affect their credit score.

Compare rates from different lenders

Before applying for a personal loan, it’s a good idea to shop around and compare offers from several different lenders to get the lowest rates. Online lenders generally offer the most competitive rates and can be quicker to disburse your loan than a physical establishment.

But don’t worry, comparing rates and terms doesn’t have to be a tedious process.

Credible is easy. Simply enter the amount you wish to borrow and you can compare multiple lenders to choose the one that suits you best.

About Credible

Credible is a multi-lender marketplace that allows consumers to discover the financial products best suited to their particular situation. Credible’s integrations with major lenders and credit bureaus allow consumers to quickly compare accurate and personalized loan options without putting their personal information at risk or affecting their credit score. The Credible Marketplace delivers an unparalleled customer experience, as evidenced by over 4,500 positive Trustpilot reviews and a TrustScore of 4.7/5.

San Antonio family history relic on display at the Smithsonian National Museum of American History

0

SAN ANTONIO – Pamela McKinney said it was bittersweet to see her father’s old 1932 Model B Ford in the back of a tractor-trailer, heading for the National Museum of American History.

“We were a little nervous about it coming out of the family, but it’s still in the family. It’s just in a better, safer place,” she said.

Kathleen Franz, land transportation curator and chair of the Labor and Industry Division, said the story itself is special because there aren’t many of these vehicles left.

But, the fact that it also tells the story of the McKinney family of San Antonio only adds to the richness it brings to the museum.

“It can tell many stories about Delbert McKinney as Pullman Porter and his wife, Dottie, who is union secretary here in San Antonio,” she said.

They were the original owners and tell the story of their family’s journey through the days of segregation.

This will be the first vehicle originally owned by a Black American in the museum’s collection.

The car was then passed on to Dell’s youngest son, Alonzo Sr., whose four children donated the car to the museum.

Alonzo himself also had a rich history serving his country as an aviator. Some of the stickers from the local bases are still on the car.

Pamela McKinney remembers it being a source of pride for her father. She would go for walks with him.

“It didn’t go very fast. It would just go around, you know, around the block,” she said.

The interior will be restored and the stories of Delbert and his children will be told alongside his exhibit.

Copyright 2022 by KSAT – All rights reserved.

Smithsonian National Museum returns 29 bronzes stolen from Benin to Nigeria

0

The National Commission of Museums and Monuments of Nigeria has received 29 of the Benin Bronzes stolen from the Smithsonian National Museum

The bronzes were part of the museum’s collection, were stolen from Nigeria during the 1897 British raid on Benin City.

According to a report obtained from https://www.si.edunewsdesk.com, the transfer of ownership was formalized in a ceremony at the National Museum of African Art on Tuesday, October 11, held in conjunction with the National Gallery of Art, which returned the Beninese bronze from its collection.

The report reads: “Not only was returning ownership of these magnificent artifacts to their rightful home the right thing to do, it also shows how we all benefit from cultural institutions making ethical choices,” said Lonnie Bunch, Smithsonian secretary.

“Sharing knowledge and stewardship with home communities will help us better understand and preserve important cultural heritage like the Benin Bronzes and illuminate it for future generations in the United States and around the world. .”

The secretary was joined at the ceremony by Ngaire Blankenberg, director of the National Museum of African Art; Kaywin Feldman, director of the National Gallery of Art; Lai Mohammed, Minister of Information and Culture of Nigeria; and Prince Aghatise Erediauwa, representing the oba, or ruler, of the Kingdom of Benin.

“Nigeria is extremely pleased with the commendable decision of the Smithsonian’s National Museum of African Art, the National Gallery of Art and the Rhode Island School of Design to return these objects which left Africa more than a year ago. a century,” Mohammed said. “Nigeria looks forward to working with these institutions on joint exhibitions and other educational exchanges. By returning the artefacts, these institutions together write new pages of history. Their courageous decision to return the timeless works of art deserves to be emulated.

The return of these bronzes from Benin is the first return under the Smithsonian’s new ethical return policy announced this spring. This policy authorizes Smithsonian Museums to return collections to the originating community based on ethical considerations, such as how and under what circumstances the objects were originally acquired.

https://www.si.edu/newsdesk/releases/smithsonian-returns-29-benin-bronzes-national-commission-museums-and-monuments

When to pay for auto repairs with a personal loan (and when not to)

0

Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own.

If you’re facing car repair costs that you can’t pay out of pocket, a car repair loan can help. Learn how they work and where to find one. (Shutterstock)

Repairing your car can be expensive, especially with today’s rising inflation.

If you are unable to pay an expensive bill, a car repair credit — which is a type of personal loan — may be an option. Here’s how auto repair loans work and how to determine if it’s right for your particular situation.

If you’re looking for a loan to cover repairs to your vehicle, Credible lets you view your prequalified personal loan rates from various lenders, all in one place.

What is a car repair loan?

An auto repair loan is a type of unsecured personal loan that you can use to cover vehicle repair costs. This can include labor costs, parts, or even the rental car you need while your car is at the store.

Auto repair loans have a few key advantages, especially over other financing options. On the one hand, they allow you to spread the cost of repairs to your car over several months or years. Since they are generally not secure, they do not require collateral — and your car, house or other assets cannot be seized if you do not make the payments. Finally, these loans tend to have lower annual percentage rates than credit cards, which often have APRs well into the double digits.

By contrast, taking out a car repair loan will essentially mean having two car loans — and two monthly payments. They’re also not very helpful if you have a low credit score, as that could mean paying a higher interest rate (or not qualifying at all).

Car repair loans are available at many banks, credit unions, and online lenders. You’ll want to shop around if you’re considering one of these loans, as rates, fees, and terms can vary from lender to lender.

How much does a car repair loan cost?

The cost of an auto repair loan – or any personal loan, for that matter – can vary widely. Your credit score, loan amount, and repayment terms will all play a role in your long-term costs. Your lender and the one-time fees they charge will also influence your borrowing costs.

Generally speaking, the higher your rate and your balance and the longer your term, the more interest you will pay. Lower rates, lower balances and shorter terms will lower your long-term interest costs.

To get an idea of ​​what an auto repair loan could cost you, use the personal loan calculator.

3 Times It Might Make Sense to Get a Car Repair Loan

A car repair loan isn’t for everyone, but here are some scenarios where it might be a good idea to get one:

  • Your repair costs are more than you can afford out of pocket, but less than the cost of a replacement vehicle. If fixing your car is clearly more affordable than replacing it – and you don’t have the money to do it – then an auto repair loan may be an option worth exploring.
  • Without the loan, you would need to put the repair costs on a high interest credit card. If you would otherwise need to cover vehicle repairs using credit cards, payday loans, or another high-APR product, an auto repair loan or personal loan might be a more affordable option.
  • You have a good credit score. If your credit score is high, you could probably benefit from a low interest rate, making an auto repair loan an affordable way to finance your repairs.

Keep in mind that not all financial institutions offer the same rates and terms, so it’s important to shop around for your auto repair financing. Compare at least a few options before deciding which company to go with.

Visit Credible for compare personal loan rates from various lenders, without affecting your credit score.

3 Times It Might Make More Sense to Skip the Loan or Buy a New Car

There may be times when it is wiser to explore other options instead of taking out an auto repair loan:

  • Your credit rating is low. If you have bad credit and don’t have a co-signer, it might be more difficult to qualify for an auto repair loan.
  • Your car is still under warranty. In this case, your warranty provider may cover part of the repair costs.
  • The repair cost is almost as high as a newer vehicle. If the repair costs are significant, you can skip the repairs altogether and replace your vehicle with a comparable used car instead.

Can you get a car repair loan with bad credit?

Most auto repair loans are unsecured, so their terms are based on your financial profile and credit history. Although it is possible to qualify for one with bad credit, this usually means paying higher interest rates. This equates to a higher monthly payment and longer term interest charges.

Sometimes, if your credit rating is low, the lender may also ask you to offer collateral or add a co-signer to your loan application. A co-signer is someone with good credit who agrees to share responsibility for the loan with you (they will only make payments if you don’t).

How to get an auto repair loan

Getting an auto repair loan is quite simple and, with many financial institutions, can be done entirely online.

To get yours, you can:

  • Determine how much you need. Get an estimate from your auto shop that details your expected repair costs. You may want to request a slightly larger loan than this in case labor or parts are higher than expected.
  • Shortlist a few lenders. Mix up the types of institutions you’re considering, including your main bank, a credit union, and an online lender.
  • Request a loan quote with each. To prequalify with a lender, you’ll need to fill out a short form and provide some basic personal and financial information.
  • Compare your options and apply with the lender of your choice. Review the fees, rates, terms, and other details of each loan quote and choose the lender you want to work with. You will need to submit a formal application and may need to provide additional required documents, such as bank statements, payslips or tax returns.
  • Finalize your loan documents. If you are approved for the loan, you will sign a loan agreement. You should get your funds within days, although some lenders can fund loans on the same day or the next business day after your approval.

Once you have the funds for your loan, you can use the money as needed. Rent a temporary vehicle, pay your mechanic, or save some for the paint job you’ll need in the end.

Remember: you’ll need to start repaying your loan immediately, so budget accordingly. Make sure you have the funds to cover that first payment and consider setting up automatic payments to ensure your payments are never late.

If you’re ready to apply for an auto repair loan, Credible makes it quick and easy compare personal loan rates to find the one that meets your unique needs.

Scully column: Jack Welsby can write his name in the World Cup history books

0

Prepare to rumble as Rugby World Cup 2021 finally begins on Saturday.

The English hosts kick off the tournament against Samoa at Newcastle United’s home of St James Park.

What a crack game this should be too! The two teams are neck and neck in betting for tournament glory with England RL teams main partner Betfred.

There is no doubt that this will be the most competitive men’s World Cup ever, with a number of teams who could really win it.

Two of them being England and Samoa.

There’s no denying we’re missing a number of key players who would certainly be in the starting line-up – but there’s still plenty of talent in the England squad to get the job done.

Two of those players, new to the international scene but not NRL players, are Newcastle Knights Dom Young and Brisbane Bronco Herbie Farnworth.

Both players made their England debuts in the 50-0 destruction of Fiji in last Friday’s RLWC warm-up, and showed why they should both start in Shaun Wanes’ line-up at 2.30pm on Saturday .

It was a solid performance against a poor Fijian team, and it will give a big confidence boost for the first game.

However, Samoa will be a totally different proposition. With pretty much the backline of back-to-back NRL champions Penrith and some of the best players in the top-flight competition, Samoa are strongly poised to challenge for the trophy. They are currently 9/1 to do so with Betfred.

But… I am a patriotic Englishman and would always support our boys, and hopefully with a hostile St James Park full of England supporters behind the team, we can kick off the competition with a huge win.

England are 16/1 to do better than beaten finalists at the last World Cup in 2017.

Betfred also offer as well as an England win over Samoa (5/4), (2/1) Australia, unsurprisingly are favorites to win the competition at 1/2, with Saints superstar Jack Welsby to cross the whitewash at any time in the New Zealand team strong game at 10/3.

Tonga, who beat Australia, New Zealand and Great Britain in 2019, are also popular with Betfred at 11/1.

Wales, Scotland, Greece and Jamaica are all rank outsiders to do the unthinkable.

This World Cup, which is taking place 12 months later than planned due to Covid, is expected to be the biggest, best and most inclusive ever… with the men’s, women’s and wheelchair tournaments all taking place simultaneously , with each match broadcast by the BBC via live TV or online platforms.

It is certainly a great opportunity to promote Rugby League to a new audience and showcase the greatest game in the world. RL has proven once again that this is a game for everyone, whether watching or playing.

It’s been over 50 years since the 1972 Great Britain side were the last northern hemisphere team to win an RL World Cup, and something that has certainly been mentioned by England boss Shaun Wane.

Players like Welsby, Farnworth, Sam Tomkins and Elliott Whitehead will be looking to write their own names in the history books.

Some of the stars from other nations to watch are- Tonga- David Fafita Samoa- Jerome Luai NZ- James Fisher-Harris Fiji- Viliame Kikau Australia- Nathan Cleary France- Benjamin Garcia PNG- Xavier Coates

How the National Museum’s Tree of Life was born

0

Culture

Museum and Gallery Month, we revisit the spectacular design of the National Museum of Natural History and hear the stories

ANCX staff | October 11, 2022

Anyone who has visited the National Museum of Natural History in Rizal Park would naturally be impressed by the magnificence of its architecture. But probably more so when they hear the story behind the design.

The neoclassical building, which once housed the offices of the Ministry of Agriculture and the Ministry of Tourism, was built in 1939 by Filipino architect Antonio Toledo, who also designed Manila’s city hall.

The space where the “Tree of Life” now stands was once an open courtyard. Photo courtesy of Ar. Dominica Galicia

“The museum building is a pentagon of different side lengths,” Dominic Galicia, the museum’s new architect, explains in a video produced by Uncommon, a YouTube channel dedicated to making stylish and informative design documentaries. “Four of the sides are usually straight lines. One of the sides is curved – this is the main facade facing Agrifina Circle,” adds Galicia. And therein lies the difference, he says, approaching a curved facade automatically changes the visitor’s experience as they approach the space.

The centerpiece of the National Museum of Natural History, located in its center, is what Galicia calls “the tree of life”, so called for its unique resemblance to a huge tree. Once an open courtyard, it is now a stunning space that lets in lots of natural light thanks to the glass dome roof.

The veteran architect, whose notable works include Magallanes Church and the interiors of St. Benedict Church in Silang, Cavite, explains that the original idea was to build a grove of trees or columns carrying the massive dome. But Tina Periquet, principal designer of Periquet Galicia Inc., who was chosen as the museum’s interior designer, had a brilliant idea: why not have a single tree instead of a grove? And this seed idea germinated to become the “tree of life”.

Periquet’s rich portfolio includes distinctive residential interiors in New York, London and Hong Kong, as well as numerous development projects in Manila, including the award-winning Arya Residences, One McKinley Place and The Fairways. About the design of the National Museum, she says they had to think of several things when they came up with the adaptive reuse plan for the old building. “The original plan for this building was to serve as a government office,” she says. “So it was divided into very regular spaces. And there was only one main space, what we call Marble Hall.

National Museum of Natural History
The centerpiece of the National Museum of Natural History, located in its center, is what Galicia calls “the tree of life”, so called for its unique resemblance to a huge tree. Photo by Jar Concengco

She still remembers the first time she entered space. “What welcomed us was a room very, very sadly cut into a maze of little cabins. And so the first thing was to see beyond all of that into the potentials, the opportunities that the building presented,” explains Periquet in the same interview.

She adds that they looked at Toledo’s original vision for the building and decided to complete what was probably his grand vision. Instead of having two floors, they gave the building a generous and beautiful space.

“I imagined people who normally set foot in good buildings, ordinary citizens who normally don’t have the leisure or the money to enter a beautiful space,” explains Periquet. “Imagine they can just walk in and have this as theirs. And that’s beautiful.

Watch the full video below.

October 10, 2022—Rates Rise – Forbes Advisor

0

Editorial Note: We earn a commission on partner links on Forbes Advisor. Commissions do not affect the opinions or ratings of our editors.

Personal loan rates jumped last week. However, if you are looking for a personal loan to finance a project, the purchase of a vehicle, unexpected bills or to improve your cash flow, it is possible to obtain a decent rate.

For borrowers with a credit score of 720 or higher who prequalified on Credible.com’s personal loan marketplace, the average interest rate on a three-year personal loan was 12.09% from October 3 through October 8. According to Credible.com, that’s a 0.50% increase over the previous week. The average five-year personal loan rate fell 0.23% last week to 15.63% from 15.86%.

Remember that qualified borrowers can benefit from significantly lower than average rates. The rate you will receive depends on several factors, such as your creditworthiness and the loan you choose.

Related: Best Personal Loans

Average Personal Loan Interest Rates by Credit Score

The rates below are estimated average interest rates for personal loans based on VantageScore risk levels, according to Experian. Although the rates below can serve as a general guideline, note that interest rates are ultimately set and determined by the lenders.

How to Compare Personal Loan Rates

If you want to get the best rate, be sure to research lenders that offer a prequalification process for personal loans. Although many lenders post their rates online, this only gives you a range of what they offer, not an exact rate based on the qualifications you meet. However, when you prequalify for a personal loan, a lender will perform a soft credit check to prescreen you, which has no impact on your credit score.

Based on this information, the lender will give you an overview of the terms you may qualify for, including loan rates, terms and limits. You can prequalify with multiple lenders and compare terms to find the best loan for your specific situation.

Prequalification does not imply loan approval. You will still need to submit a formal application and additional documents to get the loan you want. Typically, lenders do a thorough credit check when you formally apply for a loan. Credit checks can lower your score by one to five points.

Related: 5 personal loan conditions to know before applying

Get the best rates

Personal loan interest rates are based on a number of factors, including your overall creditworthiness, credit score, income, and debt-to-income ratio (DTI). Two quick ways to help you qualify for better rates is to pay off existing debt to help lower your DTI and improve your credit score.

Rod Griffin, senior director of education and consumer advocacy at Experian, recommends “checking your credit report and scores three to six months before applying for a personal loan” as this will give you plenty of time to bring the necessary improvements.

Although qualification requirements differ from lender to lender, a minimum credit score of 720 will generally get you the best deal. If your score falls below this marker and you’re looking for the lowest possible rate, you can take steps to improve your score. Try strategies such as reducing your credit utilization rate, removing errors from your credit report, and paying your bills early or on time.

How to calculate your personal loan payments

You can estimate your monthly payment and the amount of interest you will pay once you know the interest rate, term and amount of your personal loan.

For example, suppose you get a $5,000 personal loan with a term of five years at a fixed interest rate of 15.63%. You’d pay about $121 a month and about $2,237 in interest over the life of the loan, according to Forbes Advisor’s Personal Loan Calculator. Overall, you would pay $7,237 in total, which includes both principal and interest.

Cambria County Historical Society Offering a Display of Presidential Memorabilia | New

0

EBENSBURG, Pa. — Even though Stephen Mihaly owns more than 20,000 pieces of presidential memorabilia, there’s one in particular he makes sure to bring to any presentation — a Richard Nixon showerhead.

The three-dimensional image of Nixon’s face has a circular opening in the mouth from which water would come out when used.

“People still love the Nixon showerhead,” Mihaly said.

Mihaly plans to have the article with him when he gives his free show “Marketing the Presidency – A Visual Tour of 125 Years of Presidential Artifacts” at the Borough of Ebensburg Building, 300 West High St., from 7 p.m. Wednesday. . The event is sponsored by the Cambria County Historical Society.

“I’m taking the audience through essentially a visual journey of the past 125 years or so of campaign articles that presidential candidates or their campaigns have produced to try to get people, like you and me, to vote for them. “said Mihaly, who is a resident of Gibsonia, Allegheny County.

Mihaly’s extensive collection includes buttons, ribbons, pennants, hats and rarer items, such as an 1896 William McKinley “Soap Baby” tub toy, Dwight Eisenhower “IKE” sugar cubes, a Theodore Roosevelt 1904 beer and a James Monroe snuffbox.

“From my point of view, the weirder the better,” Mihaly said when discussing the items he likes.

Mihaly has been collecting for more than half a century – ever since his father gave him a collection of 10 country macaroons at a garage sale.

“You have, say, 10 pimples,” Mihaly said. “Now you’re looking for #11. You get #11, and now you’re looking for #12. Then you start telling people that you collect these things. …

“Kind of fast forward 50 years, basically I’m doing the same thing except the collection has grown way beyond the original 10 pieces.”

Dave Sutor is a reporter for The Tribune-Democrat. He can be reached at 814-532-5056. Follow him on Twitter @Dave_Sutor.

The first couple visits the Bahrain National Museum and the installation of Beit Al-Quran

0

The first couple from the Maldives visited the Bahrain National Museum and Beit Al Quran facility in Bahrain.

President Ibrahim Mohamed Solih and First Lady Fazna Ahmed visited the Bahrain National Museum and Beit Al Quran facility on Friday as part of the first couple’s official visit to the Kingdom of Bahrain.

The Bahrain National Museum was officially opened by the late Amir HH Shaikh Isa bin Salman Al-Khalifa on December 15, 1988. The museum complex is made up of two connected buildings which house the permanent exhibition area, exhibition halls temporary spaces, an art gallery, and a conference room, among other amenities. The museum is the repository of 6000 years of Bahrain’s history.

The Beit Al Quran facility is a multi-purpose complex established in 1990. The complex is most famous for its Islamic Museum, which is one of the most renowned Islamic museums in the world. It was built to house a comprehensive and valuable collection of the Quran and other rare Islamic manuscripts.

The institution and its museum house historic Quranic manuscripts from various parts of the Islamic world, including China in the East and Spain in the West, which represent the progression of calligraphic traditions from the first Hijri century (622-722 AD) and Islam. Golden Age, to the present day.

The President and First Lady are currently on a state visit to the Kingdom of Bahrain at the invitation of the King, HM Hamad bin Isa Al Khalifa.

Cambria County Historical Society offering a display of presidential memorabilia

0

Oct. 7 – EBENSBURG – Even though Stephen Mihaly owns more than 20,000 pieces of presidential memorabilia, there’s one in particular he makes sure to bring to any presentation – a Richard Nixon shower head.

The three-dimensional image of Nixon’s face has a circular opening in the mouth where water would come out when used.

“People still love the Nixon showerhead,” Mihaly said.

Mihaly plans to have the item with him when he performs his free show “Marketing the Presidency – A Visual Tour of 125 Years of Presidential Artifacts” at the Borough of Ebensburg Building, 300 West High St.t. , Wednesday, from 7 p.m. The event is sponsored by the Cambria County Historical Society.

“I’m taking the audience through essentially a visual journey of the past 125 years or so of campaign articles that presidential candidates or their campaigns have produced to try to get people, like you and me, to vote for them. “said Mihaly, who is a resident of Gibsonia, Allegheny County.

Mihaly’s extensive collection includes buttons, ribbons, pennants, hats and rarer items, such as an 1896 William McKinley “Soap Baby” tub toy, Dwight Eisenhower “IKE” sugar cubes, a Theodore Roosevelt 1904 beer and a James Monroe snuffbox.

“From my point of view, the weirder the better,” Mihaly said when discussing the items he likes.

Mihaly has been collecting for more than half a century – ever since his father gave him a collection of 10 country macaroons at a garage sale.

“You have, say, 10 pimples,” Mihaly said. “Now you’re looking for No. 11. You get No. 11 and now you’re looking for No. 12. Then you start telling people that you collect these things. …

“Kind of fast forwarding 50 years, I’m basically doing the same thing except the collection has grown way beyond the original 10 pieces.”

Derby’s unforgettable heat goes down in the history books

0

The time recorded throughout the latter part of the race was potentially lost for some in Saturday night’s epic Victoria Derby heat between Captain Ravishing and Leap To Fame.

Emma Stewart’s charge was parked at Grant Dixon’s star colt, and despite major signs of greenness, managed to get the better of the Queensland raider in what was one of the fastest final half-kilometres ever recorded at Tabcorp Park Melton.

The two three-year-olds dueled in the final quarters of 26.8 seconds and 26.6 seconds for an overall closing time of 53.4 seconds.

He tied for third-most last-half sharpness on record at Victoria’s harness racing headquarters since the track opened in 2009.

Topping the list is Ride High’s demolition job at the Rod Osborne Pace in June 2020 when the Stewart-trained speed machine clocked 52.7 seconds in its nearly 30m win.

This race was on the 1720m sprint course, with Captain Ravishing’s recent performance surprisingly coming at the end of the Derby’s 2760m course.

There is only one final half that ranks above in Melton’s long journey and that is Lochinvar Art’s AG Hunter Cup triumph of 2021.

This race takes second place overall, with champion David Moran managing to beat a Group 1 in a record time of 53.2 seconds.

Chilli Palmer’s win in the 2014 4YO Bonanza and Beach Life’s Woodlands Stud 3YO Pace success in March of this year are tied with Captain Ravishing’s 53.4 seconds in the final half.

Captain Ravishing’s three runs for Camp Stewart have all included electric fence splits, with a final quarter of 25.1 seconds at Ballarat on September 9, one of the fastest on record in Australia, before a display record on the Kilmore 2180m on September 23.

He will start from gate 10 in the Downbytheseaside Victoria Derby final on Saturday night, with Leap To Fame outside gate five.

The race is one of four Group 1s on the Melton map and is scheduled for 8:33 p.m.

TOP 10 FASTEST LAST HALVES IN MELTON

20/06/2020 VALE ROD OSBORNE PACE (1720m) RIDE HIGH – 52.7
6/02/2021 DEL-RE NATIONAL AG HUNTER CUP (GROUP 1) (2760m) ART OF LOCHIVAR – 53.2
8/02/2014 GARRARDS 4YEARS BONANZA (GROUP 3) (1720m) CHILI PALM – 53.4
5/03/2022 WOODLANDS STUD 3YEARS PACE (1720m) BEACH LIFE – 53.4
1/10/2022 DOWNBYTHESEASIDE VICTORIA DERBY (ROUND 2) (2760m) LOVELY CAPTAIN – 53.4
4/07/2020 MELTON CITY COUNCIL SPRINT (1720m) RIDE HIGH – 53.6
9/11/2019 COGS CHAMPIONSHIP 4 & 5 YEARS OLD (GROUP 2) (2240m) RIDE HIGH – 53.7
25/01/2020 ALABAR 4YEARS BONANZA (GROUP 1) (1720m) ART OF LOCHIVAR – 53.7
28/01/2017 EYNESBURY VICTORIA CUP (GROUP 1) (2240m) LAZARUS – 53.8
3/09/2016 CITY OF MELTON PLATE XXVIII (GROUP 3) (1720m) HECTORJAYJAY – 53.8

The National Museum of Egyptian Civilization receives a delegation from the German Friedrich Ebert Foundation

0

During the visit – Min. Tourism & Antiquities

CAIRO – October 5, 2022: As part of a series of official visits to the National Museum of Egyptian Civilization in Fustat, Museum Authority CEO Ahmed Ghoneim received German Foundation President Friedrich Ebert and former President of the European Parliament Martin Schulz, to the head of a delegation of the foundation on the sidelines of their current visit to Egypt.

During the visit - Min.  Tourism & Antiquities
During the visit – Min. Tourism & Antiquities

The German delegation was accompanied by Presidential Advisor for Engineering Projects Hany Helmy Azer.

Ghoneim welcomed the delegation and introduced them to the museum, its unique archaeological collections and the historical significance of the surrounding region.

During the visit - Min.  Tourism & Antiquities
During the visit – Min. Tourism & Antiquities

During the visit - Min.  Tourism & Antiquities
During the visit – Min. Tourism & Antiquities

In addition, Ghoneim took them to visit the halls of the museum, including the central exhibition hall and the hall of royal mummies, where archaeologist Sherine Othman gave them a detailed presentation on the museum funds, the historical sequence of exhibited artifacts and the reason for including them in the museum’s exhibition scenario to tell the story of ancient Egyptian civilization through different eras.

During the visit, Schultz and the accompanying delegation expressed their joy at visiting this grand building and seeing its unique archaeological treasures. The delegation also made a point of taking photos in the museum, which they described as magnificent.

310855678_466589125502639_1472523593171933411_n
At the end of the visit, Schulz wrote a note of thanks and appreciation in the museum’s visitor’s book – Min. Tourism & Antiquities

At the end of the visit, Schulz wrote a note of thanks and appreciation in the museum’s visitor’s book, and Ghoneim presented Schulz and the accompanying delegation with a set of souvenirs.

It should be noted that the Friedrich Ebert Foundation [FES] was founded in 1925 and is one of Germany’s most prestigious political institutions. It works to consolidate the fundamental values ​​of social democracy and solidarity. It plays an important role in political education to strengthen civil society as well as international cooperation through its offices outside Germany in more than 100 countries.

Should we opt for a personal loan to celebrate the next festivals?

0

October 04, 2022





Listen Should we opt for a personal loan to celebrate the next festivals?




00:00 00:00







The festive season has already started in India and the markets are ready with a variety of products and services along with attractive offers to entice consumers. Indian celebrations are usually marked by the exchange of sweets and gifts with friends and relatives. It is considered auspicious to buy new clothes, gold, goods, household goods, etc., on any festival. However, people often tend to splurge beyond their means during the holiday season by opting for personal loans, durable consumer loans, and recklessly using their credit cards. As the threat of Covid-19 has diminished, individuals are excited to celebrate festivals with family and friends, and the number of people opting for loans to celebrate festivals has increased significantly compared to previous years. But is it a good idea to opt for a personal loan to celebrate holidays? This article will answer your question.

Personal loans can be very useful in an emergency or during a financial crisis, as they can be used with minimal documentation and require no collateral. Many banks now offer instant personal loans that can be used online in minutes to specific customers.

Although a personal loan can be used for any purpose, most people tend to avail themselves of it for luxuries that might otherwise be put off. Repaying EMI personal loans can hurt your budget and other financial goals due to its high interest rate and fees.

Let’s look at the pros and cons of using a personal loan to celebrate festivals so you can make an informed decision.

Here are the advantages of a personal loan during the holiday season:

1. Lower interest rate:

Many banks and NBFCs offer special interest rate discounts during the holiday season to attract more customers. However, the interest rate on the personal loan is very high and usually ranges from 10% to 24% per year. If your credit history is strong and your credit score is good, you can negotiate the interest rate with the lender. Keep in mind that the interest rate reduction will only benefit you when the loan amount is high and the loan term is long, as most lenders only offer lower interest rates of 0.25% to 0.50% to those of the normal rate.

2. Discount on processing fees:

Lenders typically charge a processing fee of 1% to 3% on the total loan amount. However, in order to attract more customers, they offer different deals on processing fees. For example, some lenders offer personal loans at a fixed processing fee of Rs 500 or others offer a 50% discount on the processing fee.

3. No Warranties:

The biggest advantage of a personal loan is that it does not require any collateral. This means you don’t have to pledge any assets like you would for any other type of loan that requires collateral. Most personal loans are unsecured; therefore, not having collateral ultimately increases the interest rate.

Should we opt for a personal loan to celebrate the next festivals?

Image sources: www.freepik.com

Join now: PersonalFN is now on Telegram. Sign up for FREE today to get a “Daily Wealth Letter” and exclusive mutual fund updates

4. Can be used instantly:

Since personal loans do not require collateral and can be obtained with minimal documentation, the processing time for these loans is significantly reduced. You can get a personal loan in 2-7 business days. Apart from this, instant personal loans offered to specific customers (who have a long banking relationship and good track record with the lender) can be obtained within minutes.

5. Helps improve credit score:

If you want to build a credit history and improve your credit score, opting for an unsecured loan and making timely repayments can help. However, it is only advisable to take out a loan if you are financially disciplined and expect an inflow that can help you repay your debt. It is recommended to keep your credit utilization rate below 30% i.e. if you are eligible for a loan amount of Rs 1 crore, you should only borrow up to Rs 30 lakhs. Moreover, it is also necessary to maintain the right mix of secured and unsecured loans. Having only unsecured loans in the portfolio can negatively impact your credit score.

Here are the disadvantages of using a personal loan during the holiday season:

1. Splurge needlessly:

A personal loan is the best choice in an emergency, especially when you have no other financial support and are in dire need of funds. Unfortunately, people often apply for personal loans for instant gratification and pressure themselves into paying hefty EMIs. So, if you want to buy that gadget, jewelry or luxury item that can easily be carried over, it is crucial to analyze your needs and wants in order to resist the temptation to splurge if not absolutely necessary.

2. Monthly charge:

This will be an additional fixed monthly expense that you cannot avoid until it is fully reimbursed. It can get very stressful if you’re on a tight budget. Failure to repay on time may result in late fees and/or damage to your credit score.

3. The value of the product decreases:

When buying anything on loan, it is important to calculate the expected life of the product. Consumer durables, especially smartphones, depreciate rapidly over time. It makes no sense if your product loses value before the loan is paid off. Also, most brands release new models periodically, which makes previous models obsolete, and eventually their prices come down.

4. High Cost Loan:

While banks and NBFCs offer several deals during festivals, a personal loan is still one of the costliest. The discount of 0.25% to 0.50% offered on the interest rate is negligible if the loan amount and/or the loan term are lower.

To conclude:

Taking a loan is not a “bad thing” as long as you take it after analyzing your needs and having the ability to repay it on time. Using a personal loan to buy something you really need during the festival can make sense if you are financially strong to comfortably repay the loan and are confident in your financial discipline. A personal loan taken out to buy a laptop can be a good investment for someone who bought it for school and can be a financial burden for someone who bought it just to get the latest model. on the desk. Therefore, it is crucial to assess your needs and desires before opting for a personal loan in this festive season.

Best wishes,
Ketki Jadhav

Content Writer

Compass Greater Atlanta and SCAD: A Match for the History Books

0

Atlanta is full of diverse people from all walks of life and of all ages. Families have lived here for generations and new faces from different corners of the globe seemingly move here daily. It’s a mix of old and new, traditional and progressive, classic and modern. It makes perfect sense that an innovative design institution like the Savannah College of Art and Design would call Atlanta home.

Moving to an area where there is so much cultural diversity can make connecting with the community difficult for anyone, including businesses. Compass, a national luxury real estate brokerage firm, opened its flagship office in Buckhead in 2018 and has expanded to four offices in the Atlanta metro area. Although the brand has grown successfully during the pandemic, it has faced limitations in developing partnerships with its new home.

In late 2021, Alex Page, Head of Luxury in the South East at Compass, began researching some of the city’s most influential cultural institutions that aligned with Compass’ mission in order to make meaningful connections. He identified one of the best ways to connect a brand to the community by supporting its arts, culture and history. Through education, he wanted to collaborate with the city’s budding creatives, and the SCADpro program was the obvious choice to achieve that goal.

“We are thrilled to partner with SCADpro and help shape the next generation of innovators, artists and doers,” said Page. “Education and innovation are key parts of the Compass culture, and as a brand built on leveraging technology to enhance the relationship experience, I knew the SCADpro collaboration would create something amazing to share with Atlanta.”

SCAD-pro, a collaborative design studio offered by SCAD, connects its creative young students with Fortune 500 companies looking for inventive solutions. The Savannah and Atlanta campuses of prime design institution offer these entrepreneurial opportunities to their ambitious students every academic term.

Classes of 10-15 students are led by one or two SCAD professors to dream up creative solutions to real-world problems that big brands present. Some examples of companies that have participated in previous Atlanta-based SCADpro collaborations are CNN, Coca-Cola, and Delta producing products and campaigns that have been rolled out internationally.

Coincidentally, the students selected to participate in the Compass x SCADpro collaboration closely mirrored the brand’s target community. Thanks to SCAD’s diverse student body, passionate graduates and undergraduates from countries like China, Germany, Iran, Indonesia, India, Korea, the United States and the United States. ‘South Africa, they specialize in graphic design, advertising, industrial design, user experience, writing, and more. Together, the students immediately immersed themselves in the Compass brand to better understand the challenge facing Compass and conceptualize innovative solutions. Graphic design professor Sam Eckersley and foundations professor Margot Ecke were the SCAD faculty members overseeing the project.

Page and the rest of the Compass team met with the students to make presentations and present the overall vision for the collaboration. Sitting in the SCADpro lecture hall with freshly baked cookies and 15 eager students ready for a challenge, Compass began a valuable professional partnership.

“While Compass initially had a clear focus, they approached SCAD with an open mind and really challenged students to think big,” Eckersley said.

Maintaining an open dialogue throughout the term, there were several touchpoints where students had the opportunity to connect with various members of the Compass team such as marketing, technology, leadership and luxury section. One of the most valuable experiences for the students was visiting the office of Compass Buckhead where they spoke with some of the top real estate agents for a question and answer session to better understand the real estate industry and current trends in the market.

After the visit, it was clear to the students that Compass needed something innovative that would connect the brand to its new home. They wanted to create a product that was perfectly suited to the needs of Compass, an Atlanta-specific show. Before they could do that, they had to fully understand the intricacies of Atlanta, its people, and its real estate market.

Led by a student creative director, a strategy lead and a design lead, the class broke into sub-groups focusing on different areas of the campaign. The students began their in-depth research followed by a formal presentation of their proposal. They presented seven key concepts to the Compass team, all of which were meant to celebrate the Greater Atlanta community and bring Compass closer to it. Concepts ranged from physical structures like murals and sculptures to digital campaigns like virtual maps and treasure hunts. Graphic designs, copy and physical deliverables were all masterfully created by the SCADpro class.

From these initial concepts, Compass chose two options that best fit the objective and after constructive feedback, the students developed these proposals. The reimagined ideas were pitched and a winning campaign was selected: an interactive digital experience that highlights and celebrates Atlanta’s history.

“One of Atlanta’s most valuable resources is its historic architecture,” Page said. “Each historic site has years of stories that have shaped Atlanta’s heritage. That’s why we felt so drawn to this specific concept. This legacy will continue to grow over time, and we want to both celebrate it and be part of it. »

The students proceeded to finalize the elements. They considered every detail right through to the final presentation experience, carefully curating stunning artwork, masterful graphic designs, and professional-grade prototypes in a matter of weeks.

Upon completion of the program, Compass retained three SCADpro students as summer marketing interns. Working closely with Page and his team, they gained hands-on experience and developed the campaign that began in their SCADpro classroom. What began as an idea led by students at one of the state’s premier institutions has blossomed under the professional guidance of Compass. Now Atlanta will soon experience the perfect blend of art, culture, education, and history.

Be on the lookout for a new historical experience, called the Atlanta Legacy Trail presented by Compass, launching in early spring 2023!

Advertising

The National Museum of the Latin American seeks to secure a site on the National Mall

0

Planning is underway to establish the National Museum of the Latin American in Washington D.C.

The project was approved by Congress in 2020. The Smithsonian Institution will lead the museum and showcase Latino history, art, culture, and scientific achievements to tell a deeper, more nuanced, and comprehensive story of who they are. as a nation.

Paul Porter/BFAnyc.com/Paul Porter/BFAnyc.com

/

IMG_5521.jpg

Antonio Argibay, Sandra Gering

Antonio Argibay is an architect in New Jersey and a board member of the Friends of the National Museum of the Latin American. Ebong Udoma of WSHU speak with Antonio Argibay on the goal of securing a location for the museum on the National Mall.

AA: They released the four finalists who are all on the Mall which is great news for all of us because as a representative of the board of directors of the Friends of the National Museum of Latin American, that’s where we feel very strongly we should be, side by side with the other iconic cultural museums the Smithsonian operates.

WSHU: So it’s definitely going to be on the National Mall. Now it’s a matter of figuring out where exactly it’s going to be located. Right?

AA: To correct. Yes. There are four locations. They all have challenges in one way or another. Because as you can imagine, this is very important real estate. To put it into perspective, it’s about 300 acres. And the footprint of this building will be less than a fraction of a hundredth of that. To put it in context, it’s probably more understandable, it’s to imagine your average American home, with a garage and multiple bedrooms, we’re talking about a four-by-four space. About the size of the lock on the front door of the house. It is the space that there is. But to build it, there are a lot of people, a lot of organizations, and a lot of things that need to be studied as part of the process.

WSHU: Can you now tell us the importance of celebrating and recognizing Latin American contributions to America in a museum on the mall?

AA: Well, the mall museum is necessary to educate, inspire, encourage, respect and understand the richness and diversity that the Latin American experience brings. American Latinos have been part of the thread that has woven this nation. We were here before the 13 colonies. In fact, most of this country was a Spanish country, and as such, the contributions that Latinos made in making this nation a free nation should be recognized. As well as all cultural and economic aspects, sports and all other areas in which Latinos have contributed to the United States.

WSHU: Now, how long would you be able to secure a location? And what happens after you do that?

AA: I am not a gamer. I’m a day dreamer. I would like to think that we could finish this location next year. And the planning can start on the museum. The museum on the mall is not controversial. We have the full support and understanding of the Smithsonian. The Smithsonian secretary, Mr. Lonnie Bunch, was the director of the National Museum of African American Culture and History and is sensitive and understands the importance of this. The Smithsonian has chosen a highly qualified secretary to lead Jorge Zamanillo. Our board of directors met with him a few weeks ago and it was great to hear that we are all working together.

WSHU: So once a location is secured the design of the museum can begin and then fundraising to build it, so how long will we be able to see the physical museum on the mall and be able to visit it?

AA: I would be very happy if it was within 10 years. I think that would be an aggressive schedule, but I think it’s a very doable schedule.

‘History books on the move’: Founders of Victoria’s Orange Shirt Day reflect on reconciliation

0

September 30 marks the second annual National Day for Truth and Reconciliation

Get news and events in Victoria delivered to your inbox every morning.

Thanks! Your request has been received!

Oops! An error occurred while submitting the form.

Eddy Charlie and Kristin Spray on Orange Shirt Day 2021. Photo courtesy of the City of Victoria

In 2013, Phyllis Webstad shared a story about her bright orange shirt being taken from her at age six when she arrived at St. Joseph Mission boarding school. That year, the first official Orange Shirt Day event was born, and since then conversations about Indigenous reconciliation and the negative impact of residential schools have gone global.

Now, Webstad has reclaimed the orange shirt as a symbol of solidarity with residential school survivors, their families, and those who never returned home.

When Kristin Spray and Eddy Charlie met in an Indigenous studies class at Camosun College in 2015, they were also inspired by Webstad’s story. On Vancouver Island, there were five residential schools that existed until the 1980s. It is known that 202 children died in these schools, although the actual number is believed to be higher. Spray and Charlie felt compelled to do something about Victoria and started hosting their own Orange Shirt Day event.

At first, Charlie says there was a lot of hesitation from the Aboriginal community.

“The resistance came from Indigenous Elders having conversations about the trauma of residential schools,” he said. “But the work we did opened the conversation with seniors who either refused to talk about their past experience or were too scared to do so.

September 30 marks the second annual National Day for Truth and Reconciliation, which is also Orange Shirt Day. Charlie says it has become a very poignant day for Indigenous people.

“More and more people have chosen to stand up and say, ‘this is important to me because my parents and my grandparents went to boarding schools,’” he said. “There is no better platform than September 30.”

For those looking to observe the holidays who aren’t directly impacted by residential schools and who come from settler backgrounds, Charlie says the best thing to do is to keep an open mind and listen.

“Residential school survivors are walking, talking about the history books, and people need to hear their stories,” he said. “Let the words of residential school survivors penetrate your hearts and minds.

Charlie said he and Spray will continue to work for truth and reconciliation wherever possible, “so the grandkids who aren’t here yet don’t have to do what we’re doing,” he said. -he declares.

“We want to keep doing this until we’re no longer needed, until someone else finds the courage to stand up and speak up as well.”

Stay connected to your city with the Capital Daily newsletter.

By completing the form above, you agree to receive emails from Capital Daily. You can unsubscribe anytime.

Houston is home to the National Museum of Funeral History

0

“People come in with their own preconceived idea that ‘Oh my god, this is going to be morbid. It’s going to be scary. It’s going to be scary, but it’s not.’

HOUSTON – The exhibits are exactly what you would expect to find in the National Museum of Funeral Historybut the vibe in the 13,000 square foot facility is very unexpected.

“People come in with their own preconception that, ‘Oh, my god, this is going to be morbid. It’s gonna be scary. It’s gonna be scary,” said Genevieve Keeney Vazquez, the president of the museum. “But really, it’s not. It’s very enlightening. It’s very historical. It gives you insight into the different kinds of customs and rituals surrounding a funeral.”

These customs and rituals include hearses, caskets and coffins from all eras.

“You can kind of see how they’ve been built over the years,” Keeney Vazquez said.

There’s a lot to see in the museum, so if you don’t know where to start, try the treasure hunt. His questions will guide you through the museum.

“If you like to hunt stuff, then participating in the scavenger hunt is fun because you really have to read some of the text panels to find the answer,” Keeney Vazquez said.

A sample question: How many mourners could ride on the 1916 Packard funeral bus? (The answer, according to the bus text sign is 20.)

RELATED: National Museum of Funeral History Honors George HW and Barbara Bush with New Exhibit

“The Funeral Museum is an awesome neutral environment to broach the subject with your kids and learn about different kinds of customs and traditions,” Keeney Vazquez said. “The whole museum is family friendly.”

It opened in 1992, fulfilling the dream that Robert L. Waltrip had for 25 years. He wanted to keep the tools and trinkets of the funeral trade.

“They were practically ending up in the landfill, as was the history of our industry,” Keeney Vazquez said. “It was one of his visions to be able to preserve the rich history and heritage of our funeral industry.”

This story is now told through exhibits that cover everything from jazz funeral to embalming process what does the funeral look like for Pope and american presidents.

“We listen to our visitors. We love to hear their feedback and things they would like to know more about,” Keeney Vazquez said. “We are always evolving.”

RELATED: KHOU 11’s Hidden Gems

In fact, the museum has just opened a fundraising campaign present a new exhibition.

“The most famous burial of all time: the Shroud of Turin,” shared Keeney Vazquez.

As of October 1, a family haunted house will open in the museum and a Halloween Classic Car Show is scheduled for October 29.

“The parking lot will just be filled with cars from all eras and they’ll all be dressed up for Halloween,” Keeney Vazquez said, adding that kids should also dress up, as the event will include a chest or treat and a trick-or-treating contest. costumes “It’s a very fun and family-friendly event.”

You can learn more about the museum and its events here.

The benefits of taking out a second personal loan from the same lender | brand voice

0


A second loan is a type of loan that lets you borrow money against the value of your home. The interest rate is usually lower than the interest rate on a credit card or other unsecured loanmaking it a good option if you need to consolidate debt or make a major purchase.

Source of images

Unlike a first mortgage, a second personal loan doesn’t require collateral, so if you fail to repay the loan, your lender can’t repossess your home. However, if you have the equity in your home, you may be able to get a lower interest rate by using a second personal loan to consolidate debt or make a major purchase.

One of the most frequently asked questions about a second personal loan is whether it’s best to get it from your current or previous loan provider. Although the answer depends on how your previous loan went, there are some advantages you can enjoy by getting your second loan from the same lender.

Best offers based on your previous payments

Acquiring a second loan from the same lender as your first loan can provide many benefits.

One of these advantages is to unlock incredible offers provided by the lender, given that you have a good payment history on your previous loan. This is why it is strongly recommended that you approach your current lender if you are considering acquiring a new loan. You will be able to get approved for the loan you are applying for easily and quickly rather than getting it from a new loan provider.

You may also get additional benefits that a lending institution only provides to previous or existing borrowers.

Could acquire a better interest rate

Being a recurring borrower does not guarantee you a good personal loan rate. However, if you have a solid credit history and you’re a solid loan seeker, this, combined with the fact that you’ve worked with your lending company before, could pave the way for a good deal.

This is also why you need to make sure that you repay your loans on time to increase your chances of getting the best interest rate once you take out a loan again in the future.

You already know what to expect

Working with a lender from your first loan to the next will give you an idea of ​​what to expect. Each lender has a different way of processing loan applications and has different requirements.

It will be less stressful for you if you take out your new loan with your current lender, because you are already familiar with and used to the processes. You will be able to acquire the necessary documents and other requirements in advance since you already know what it is.

App could be faster

As you are familiar with the process and requirements, applying for a second personal loan from the same lender may provide you with faster application processing. This is because the lender already knows you and is familiar with your responsibility in repaying your loan. Thus, the approval process for your loan application will go quickly.

How to apply for a second personal loan

Now that you know the benefits, you can enjoy taking out a second personal loan from the same lenders. You might want to consider getting one if you really need the extra cash. Here are the things to remember when applying for a second personal loan.

Find out if you are still eligible to apply with your current lender

Acquiring a second loan from your existing lender can be beneficial. However, considering your previous loan situation, you must first find out if you qualify for a second loan from said lender.

Look for the best option

If you don’t qualify for another loan from your current lender, you should look for another option. Make sure you choose the best lender to give you a second personal loan. You can consult CreditNinja and discover their loan offers adapted to your needs.

Apply for the loan

Once you have found the best lender for you, whether it is your current lender or a new lender, you can now begin the application process. First, apply for the loan by following your instructions according to the lender’s loan process. Next, gather all the requirements and complete all the necessary forms.

Things to consider before taking out a second loan

Taking out a second loan can be tempting. While this has helped many borrowers, you still need to look at your situation and consider things like:

This will impact your credit score

Having multiple loans will impact your credit score. For each loan you request, an in-depth investigation will be carried out on your credit report, causing your score to drop. A thorough investigation usually lasts up to two years on your credit history.

You could be trapped in debt

Too many loans will put you in more debt and keep you trapped. It is always best to pay off existing debts first. Then you acquire an additional loan. However, if it is really necessary to obtain a second loan, such as in an emergency, you must ensure that you pay it back on time.

Are you ready to apply for a second personal loan?

With all the information you have acquired, are you ready to take out a second personal loan? Remember that if you decide to get a second loan, taking it from your existing lender would be more advantageous as long as you are eligible.

DISCLAIMER: Branded Voices offers paid content from our marketing partners. Articles are not created by Native News Online staff. The views and opinions expressed in Branded Voices are those of the authors and do not necessarily reflect the official policy or position of Native News Online or its ownership. Any content provided by our bloggers or authors is of their opinion and is not intended to slander any religion, ethnic group, club, organization, company, individual or anyone or anything.

5 ways a personal loan can go wrong

0

Image source: Getty Images

Making a personal loan work for you involves planning and management.


Key points

  • Shopping around for the right personal loan is crucial.
  • Using a personal loan to consolidate debt only works if you don’t take on more debt.

Personal loans can be a great way to consolidate debt or pay for a big home improvement project, but there are a few things to watch out for when taking out a personal loan.

1. Missing out on a better deal

It’s easy to believe that one lender is as good as another, but nothing could be further from the truth. Lenders compete for your business, and it’s up to you to find the lender with the best deal.

If you’re worried that seeking loans will negatively affect your credit score, there’s no reason. Credit bureaus like TransUnion, Equifax and Experian expect consumers to seek out the best loans. If you make your loan purchases within a relatively short period of time (two weeks, to be sure), it shows up on your credit report as one request. For example, if you apply for a personal loan from seven different lenders during this time, your credit report will show that you applied to only one lender.

Discover: These personal loans are the best for debt consolidation

More: Prequalify for a personal loan without affecting your credit score

The point is this: whether you have a very high credit score or a not so good credit score, the interest rate and terms offered by different lenders differ. If you automatically accept the first lender’s offer, you could spend thousands of dollars more than with another lender.

2. Borrow more than necessary

When you take out a loan, it is tempting to fall into the trap of borrowing as long as the lender tells you that you are qualified to borrow. Let’s say your bathroom was last renovated during the Truman administration and it really is high time for an upgrade. You plan to borrow $25,000, but are told you can easily qualify for $40,000. Suddenly you think about how you could use the extra money.

One of the fastest ways to turn a positive loan experience into a bad one is to borrow more than you need. For example, if you were to borrow $25,000 for four years at an interest rate of 9%, your monthly payment would be $622 per month and you would pay a total of $4,862 in interest. Accepting the extra $15,000 means your monthly payment would be $1,120 and you would pay $8,752 in interest.

At the end of the line : Borrowing more than needed to meet your original goal would cost an additional $3,890. That’s nearly $4,000 that you could have invested for the future or set aside for a bad day.

3. Not reading the fine print

It’s in the fine print that you’ll discover the details that can impact your life. For example, you’ll want to know if there’s a prepayment penalty, how much you’re paying in set-up fees and other added costs, and if credit insurance is available.

Once you’ve decided to take out a personal loan, it’s easy to skip the fine print to get to the good stuff – loan funding. But if you don’t want to regret the loan once the funds are in your bank account, read the fine print first.

4. Not creating a budget that works

Before the pandemic hit US shores in 2020, 3 in 10 adults didn’t have a monthly budget. Now that number is closer to 2 out of 10. Unless your monthly budget is accurate, taking out a new loan can be dangerous.

Let’s say your loan has a monthly payment of $500. At first glance, your income should be more than enough to cover your expenses. However, if you don’t factor in a month with abnormally high utility bills, trips to the emergency room, or a broken down car, it could be difficult to repay the loan when due.

It’s impossible to plan for every eventuality in life or anticipate every little thing that can go wrong, but budgeting that works means accounting for unforeseen expenses. This way, you can still make your loan repayment, even when surprise bills appear.

5. Getting into trouble again

One of the best uses for a personal loan is debt consolidation. If you have high interest debt, getting a personal loan with a lower APR can save you thousands of dollars. However, if you use a debt consolidation loan to pay off your existing debt, then buy a new car or max out your credit cards, you’ll be worse off than before the consolidation.

Personal loans can be a great financial tool for achieving your goal – as long as you are in control from the time you apply until the day the loan is paid off in full.

The Ascent’s Best Personal Loans for 2022

Our team of independent experts have pored over the fine print to find the select personal loans that offer competitive rates and low fees. Start by reviewing The Ascent’s best personal loans for 2022.

National Museum of African American Music opens new exhibit honoring rap legend Lil Wayne on his 40th birthday

0

NASHVILLE, Tenn. (TN Tribune) – The National Museum of African American Music
(NMAAM) announces a new exhibition with the rapper, songwriter and
executive, Lil Wayne. NMAAM will host an event for local college students to view the artifacts first and engage in a celebration and panel discussion presented by Vanderbilt faculty for the artist. The exhibit includes artifacts donated personally by Lil Wayne and will honor his upcoming 40th birthday on September 27, 2022.

Lil Wayne is the first hip-hop artist to support the museum’s mission and values ​​with a fully curated set of artifacts. The exhibit will feature his ‘Rap Album of the Year’ Grammy, ‘I Am Hip-Hop’ BET award, outfits from classic moments as well as other highlights including his first handwritten letter from Rikers, the CD Tha Block Is Hot and more.

“I’m so grateful to be working with NMAAM and showing students how hip-hop has been so
affect culture,” Lil Wayne said. “Shout out to NMAAM for all the birthday love.”
In addition to the unveiling of the exhibit, students will have the opportunity to hear Lil
Wayne virtually. The unveiling will include live music and an interactive engagement allowing students to record themselves to Lil Wayne’s lyrics in the Museum’s Rap Booth and talk about his impact on American music and their lives. NMAAM will host a live open lecture on the impact of Lil Wayne presented by Professors Vanderbilt, Dr. Gillum Sharpley, Associate Chair of African American and Diaspora Studies, and Dr. Michael Eric Dyson, Centennial Chair and University Professor Emeritus of African Americans and the Diaspora. Studies in special subjects in the humanities, from Dr. King to Lil Wayne.

Although the lecture is part of a pre-existing course, NMAAM in partnership with Vanderbilt
will publish the discussion to students who register to attend the talk in person at the Museum and can view the live stream on NMAAM’s Facebook.

“We are thrilled to honor and introduce Lil Wayne and begin our relationship with such a
generous donation,” said H. Beecher Hicks, III, President and CEO of NMAAM. “On the heels
of Mr. Carter expressing his interest in partnering with us, we found out that ten years ago (on Carter’s 30th birthday (September 27, 2012)) he became the first male artist to surpass Elvis Presley with the most entries on the Billboard Hot 100, with 109 songs. What better way to celebrate his 40th than by commemorating his accomplished career with an exhibition to honor over 25 years of impact on the music we listen to and the multiple genres he has shaped, as well as the story we tell. here at NMAAM.

This special exhibition will be presented until December 27. To visit the museum, visit the
Museum website nmaam.org to purchase tickets and learn more.

The National Museum of African American Music is the only museum in the world dedicated solely to preserving African American musical traditions and celebrating the central role African Americans have played in shaping American music. Based in Nashville, Tennessee, the museum shares the story of the American soundtrack by integrating history and interactive technology to honor musical heroes of African-American music past and present. For more information, please visit www.blackmusicmuseum.org.

National Museum continues the conversation with the country |

0

In a small, unstable room in an inner Sydney house, one of Australia’s greatest anthems was born. Iva Davies wrote Great Southern Land between the tumult of passing buses and the planes overhead, having to wear headphones to hear yourself work. Today, 40 years after its release, the song has yet again been immortalized as the title of the National Museum of Australia’s new permanent gallery.

Celebrated with an Icehouse performance of the title track, the Great Southern Land Gallery was officially opened on Thursday, September 15. Visitors are invited to walk with the ghosts of time through four chapters that explore Australia’s rich history. Entry is through Bunya Forest, where the 7.5m tall trunks were made from casts of living trees in southeast Queensland.

Once inside, discover the wonders of Australia with big animals like the life-size killer whales that helped whalers hunt humpback whales, or the stuffed saltwater crocodile, a prehistoric apex predator. There are man-made marvels such as jewelry created with finds from our gold fields, a whale bone corset and bush toys from the Arrente children. The gallery captures the diversity of Australia’s natural wealth with a wall of various minerals collected from Broken Hill and a crisp documentary about Uluru.

Although the new gallery cannot include everything from our past, it does a phenomenal job of highlighting important elements of the Australian experience.

“Creators face the same dilemma I encountered with a song; we can’t capture everything,” Davies said. “But certainly there’s enough to give you an incredible insight into very specialized bits of Australia and history and to ask a lot of questions, which I guess is probably the most important thing about of an exhibition.”

Davies wrote the iconic song after returning from his first international tour; during the six months of their absence, Circular Quay in Sydney installed its first McDonalds. Davies then reflected on the country’s history; if he were to do the same now, he doesn’t think he would change much in the classic hit. He says the changes are noticeable in the cities, but once you leave them, it’s how it’s always been.

“A lot of things have changed, a lot of things haven’t changed,” Davies said. “Only two weeks ago we played Uluru and I was very fortunate to take my son, who is a guitarist. We did this flight through central Australia, across Lake Eyre and I think his head exploded the same way mine did when we were leaving for that first international tour. I guess that was the first light bulb moment for me that started the song. I looked at it and I was like, ‘No, it hasn’t changed; it’s fantastic’.”

The event also marked the official launch of the Tim and Gina Fairfax Discovery Centre. The two renovations were the Museum’s largest since it opened in 2001 and redesigned a third of the complex at a staggering $34 million outlay.

Curator Dr. Jonathan Linen at the launch of the Tim and Gina Fairfax Discovery Centre.

The Discovery Center is a place where kids can do things most of them want to do in any museum – play with all the fun items on display! Each section relates to an element of one of the exhibits and encourages children to learn through self-directed, play-based principles.

“Kids can learn about it, and then if parents want to go deeper, they can go into the galleries and see the objects directly related to those stories,” said curator Dr Jonathan Lineen.

Dr Linen said the reason he worked for the Museum was to bring his own children there when they were young. One member of staff joked that he was so over there he should be working there – and now he does! Work on the new Discovery Center began in 2017, consulting with early childhood education experts, parents and children to understand what they wanted from the space.

“I asked them at one point ‘what do children really get at the Museum?’ They immediately said they were animals. We knew we had to structure it around animal stories, and the benefit was that the animals were part of the landscape and that connected this space to the new environmental history gallery,” he said.

Australian animal stories have been broken down into five defined sections. The Quiet Zone is based on Wiradjuri’s story of how the kangaroo got its pouch, with cozy play pods mimicking the experience of a joey in its mother’s pouch. Australia’s most famous sheep, Chris, makes an appearance in an active play where children experience what it would be like to move around the shearing shed. Gelam, a Torres Strait myth, engages children in team building and cognitive exercises, while Trim, Matthew Flinders’ feline passenger, hides among the ship’s rigging in a gross motor skills area while learning what life was like for a cat on a ship in the 18th century. Finally, the imagination is stimulated when children dress up in the billabong Bunyip.

Next to the playground there is space for children to be creative around tables and a mini museum exhibition under glass. The exhibits relate either to the stories told in the discovery center or to what connects museums and children, the love of collecting. By displaying objects from different time periods, the museum aims to spark a conversation between child and carer about how things change over time.

“I wish I had this space when my kids were little. There’s so much room for conversation here. So much space for them to learn Australian history without bumping their heads. You can come back again and again and there are more questions.

The Discovery Center is open for several 75-minute sessions each day with prices starting at $15 for a child and an adult. Once a month, the Center will host a day of free games, while admission is always free for members who are friends of the Museum.

Find out more about what’s happening at the Museum via nma.gov.au

Get local, national and global news, sports, entertainment, lifestyle, competitions and more straight to your inbox with the Canberra Weekly Daily newsletter. register here.

When to refinance a personal loan

0

How to refinance a personal loan

Let’s see how to refinance a personal loan, step by step.

1. Check your loan amount

First, check the exact amount you need to borrow on a new personal loan to pay off your original loan(s). Check the total loan amount owed as well as other significant costs or fees you may incur to repay your original loan and secure your new loan, such as origination fees you may have to pay with your new lender. Origination fees are those charged by a lender to process a new loan application.

2. Check your credit score and credit report

It is important to understand your credit score before refinancing because your credit score directly affects your interest rate. A credit score is a three-digit number that indicates how well you manage your debts. In order to get pre-approved for a loan, your lender may do an informal credit check.

A serious inquiry, on the other hand, occurs when you allow someone to check your credit. If you have poor credit, you may want to improve your credit score before refinancing to get the best possible interest rate on your personal loan refinance.

You can pull your credit report to check your credit history. This is a summary of how you manage credit and to check for any inaccuracies before requesting a refinance. It’s a good idea to correct mistakes before refinancing for the best results.

You are entitled to a free credit report each year from each of the three major reporting companies – Equifax®, Experian™ and TransUnion®. Report any errors to each reporting company before prequalifying for a new loan.

3. Prequalify for a new loan

After checking your credit reports for errors, you can prequalify for a new personal loan. This is considered light credit, which will not affect your credit score. You will need to provide certain information, such as your name, address, income, social security number, and date of birth. Once pre-approved, your lender will share personal loan rates, terms and amounts with you.

4. Compare lenders and loan terms

Carefully compare lenders and loan terms. Banks and other lenders may offer different rates. Check out the various fees associated with refinancing (such as origination fees) and how you might pay for them over the life of your loan.

Note that you may want to contact your current lender to renegotiate the terms of your original loan, especially if you enjoyed working with your current lender.

5. Apply for a new personal loan

Finally, you will need to apply for your new personal loan, which may require you to provide your lender with your bank account information, identification documents, pay stubs, bank statements, etc. Your lender will also ask permission to do a serious credit check, which can impact your credit score. Your new lender will then repay your old loans and you will eventually start repaying your new loan.

Should you take out a car loan or a personal loan to buy a car? Compare interest rates

0

Often, decisions about a financial product are difficult. People do not know what to do when they choose one of the two borrowing options available. If you are planning to buy a new car, you can take out an auto loan or a personal loan to buy your vehicle.

A personal loan is an unsecured loan, while a car loan is a secured loan because your vehicle is mortgaged to the bank until you repay your loan to the lender in full. The personal loan amount varies depending on your monthly income, credit score, employment status, etc.

On the other hand, auto loans are taken out against the vehicle you wish to purchase. For example, if you are planning to buy a car worth Rs 15 lakh and you want to borrow Rs 12 lakh as a loan, the lender will consider the value of your car along with your monthly salary and score. credit. If everything is in order, the lender will sanction the loan for you.

Many lenders offer you up to 90% of the total cost of the vehicle, but some may even offer you a 100% loan if your income and credit history are intact.

Also Read: What Happens When You Default on 3 Consecutive Home Loan EMIs?

The significant difference between an auto loan and a personal loan is the requirement of an asset to obtain funds. For unsecured loans like personal loans, you don’t need collateral like a car, property, or gold to borrow money. If you default on the secured loans, the lender has the legal right to auction off your property/car and collect the dues.

Borrowers should remember that both loans are available quickly without physically going to banks. They can apply for the loan online and get the same disbursement if their financial records comply with the bank’s terms and conditions.

It is important to note that the interest rate may differ in the case of personal loans. Personal loans generally charge a higher interest rate, while auto loans are available at a lower interest rate because your property is mortgaged to the lender as collateral.

There is a high risk for the lender when he lends you money without collateral. The risk factor involved makes personal loans expensive. Personal loans can be used to buy a car in case you are not eligible to borrow the amount you need through a car loan. A personal loan can help you borrow a higher amount to pay even the 100% value of your vehicle, but you should check your repayment capacity before applying for such loans. Your credit score plays an important role when borrowing a personal loan, according to BankBazaar.com.

Also read: Want to improve your eligibility for a personal loan? Follow these 4 tips

A car loan is a good option if you can get the loan amount you need quickly. Your interest rate will be lower and you can repay what you borrow through EMIs. Even if your credit score is not very high, you can still get a car loan because the vehicle will serve as collateral with the lender.

Borrowers should pay attention to loan terms for both car loans and personal loans and compare interest rates from different lenders to get the best deal. You can use EMI calculators for auto and personal loans to clarify EMIs.

The table below helps you compare car and personal loans as well as interest rates and EMIs on the loan amount of Rs 10 lakh for five years.

Auto Loan vs Personal Loan – Comparison of Interest Rates

EMI on New Car Loan and Personal Loan Compared Assuming Loan Amount of Rs 10 Lakh for 5 Year Term

Compiled by BankBazaar.com

Note: Lowest interest rate on auto and personal loans for all listed public and private banks (BSEs) considered for data compilation (excluding small financial banks and EV loans); Banks whose data is not available on their website are not taken into account. Data collected from the respective bank’s website as of September 20, 2022. Banks are listed in ascending order based on car loan interest rate, i.e. the bank offering the interest rate the lowest on the car loan is placed at the top and the highest at the bottom. The lowest interest rate offered by banks, regardless of the loan amount, is shown in the table. The EMI is calculated on the basis of the interest rate mentioned in the table for the Rs 10 Lakh loan with a tenor of 5 years (processing fees and the like are assumed to be zero for the calculation of the EMI); The interest mentioned in the table is indicative and may vary depending on the general conditions of the bank.

Soaring Personal Loan Interest Rates for 5 Year Fixed Rate Loans

0

Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders, all opinions are our own.

The latest personal loan interest rate trends from Credible Marketplace, updated weekly. (Stock)

Borrowers with a good credit application personal loans in the last seven days pre-qualified for higher rates for 3 and 5 year loans compared to the previous seven days.

For borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender between September 15 and September 21:

  • Rates on 3-year fixed-rate loans averaged 11.89%, down from 11.74% the previous seven days and from 10.70% a year ago.
  • Rates on 5-year fixed rate loans averaged 16.03%, down from 15.03% the previous seven days and from 14.35% a year ago.

Personal loans have become a popular means of consolidate and pay off credit card debt and other loans. They can also be used to cover unexpected expenses like medical billstake care of a major purchase or finance home improvement projects.

Personal loan interest rates have increased over the past seven days for 3 and 5 year loans. Three-year loan rates rose a slight 0.15 percentage points, while 5-year loans jumped one percentage point. In addition, interest rates for both loan terms are higher than they were at the same time last year. Yet borrowers can take advantage of interest savings now with a 3- or 5-year personal loan. Both loan terms offer significantly lower interest rates than higher cost borrowing options like credit cards.

Whether a personal loan is right for you often depends on several factors, including the rate you may qualify for. Comparing several lenders and their rates could help you get the best possible personal loan for your needs.

It’s always a good idea to comparison store on sites like Credible to understand how much you qualify for and choose the best option for you.

Here are the latest personal loan interest rate trends from the Credible Marketplace, updated monthly.

Personal Loan Weekly Rate Trends

22-september-personal-loan-tendencies.jpg

The table above shows the average prequalified rates for borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender.

For the month of August 2022:

  • 3-year personal loan rates averaged 15.03%, down from 11.04% in July.
  • 5-year personal loan rates averaged 16.52%, down from 13.72% in July.

Personal loan rates vary widely depending on credit rating and length of loan. If you’re curious about what kind of personal loan rates you might qualify for, you can use an online tool like Credible to compare the options of different private lenders. Checking your rates will not affect your credit score.

All Credible Marketplace lenders offer fixed rate loans at competitive rates. Since lenders use different methods to assess borrowers, it’s a good idea to ask for personal loan rates from multiple lenders so you can compare your options.

Current personal loan rates by credit score

graphic-loans-sept-22.jpg

In August, the average prequalified rate retained by borrowers was:

  • 9.05% for borrowers with a credit score of 780 or higher choosing a 3-year loan
  • 30.84% ​​for borrowers with credit scores below 600 choosing a 5-year loan

Depending on factors such as your credit score, the type of personal loan you are looking for, and the repayment term of the loan, the interest rate may differ.

As the chart above shows, a good credit rating can mean a lower interest rate, and rates tend to be higher on loans with fixed interest rates and longer repayment terms.

How to get a lower interest rate

Many factors influence the interest rate a lender can offer you for a personal loan. But there are steps you can take to increase your chances of getting a lower interest rate. Here are some tactics to try.

Increase credit score

Generally, people with higher credit scores qualify for lower interest rates. Steps that can help you improve your credit score over time include:

  • Pay your bills on time. Payment history is the most important factor in your credit score. Pay all your bills on time for the amount owed.
  • Check your credit report. Check your credit file to make sure there are no errors. If you find any errors, dispute them with the credit bureau.
  • Reduce your credit utilization rate. Paying off credit card debt can improve this important credit score factor.
  • Avoid opening new credit accounts. Apply for and open only the credit accounts you really need. Too many serious inquiries on your credit report in a short time could lower your credit score.

Choose a shorter loan term

Personal loan repayment terms can vary from one to several years. Typically, shorter terms come with lower interest rates because the lender’s money is at risk for a shorter period.

If your financial situation allows it, applying for a shorter term could help you get a lower interest rate. Keep in mind that the shorter term doesn’t just benefit the lender – by choosing a shorter repayment term, you’ll pay less interest over the life of the loan.

Get a co-signer

You may be familiar with the concept of a co-signer if you have student loans. If your credit isn’t good enough to qualify for the best personal loan interest rates, find a co-signer with good credit could help you get a lower interest rate.

Remember that if you are unable to repay the loan, your co-signer will have to repay it. And co-signing a loan could also affect their credit score.

Compare rates from different lenders

Before applying for a personal loan, it’s a good idea to shop around and compare offers from several different lenders to get the lowest rates. Online lenders generally offer the most competitive rates and can be quicker to disburse your loan than a physical establishment.

But don’t worry, comparing rates and terms doesn’t have to be a tedious process.

Credible is easy. Simply enter the amount you wish to borrow and you can compare multiple lenders to choose the one that suits you best.

About Credible

Credible is a multi-lender marketplace that allows consumers to discover the financial products best suited to their particular situation. Credible’s integrations with major lenders and credit bureaus allow consumers to quickly compare accurate and personalized loan options without putting their personal information at risk or affecting their credit score. The Credible Marketplace delivers an unparalleled customer experience, as evidenced by over 4,500 positive Trustpilot reviews and a TrustScore of 4.7/5.

The national museum of animal art will exhibit for the love of canines

0

Carl Rungius (Germany, 1869 – 1959), Red Fox, 1933. Oil on canvas. 30 x 40 inches. Jackson Hole Preserve, National Museum of Animal Art. © Estate of Carl Rungius.

William Gollings (American, 1878 – 1932), The Call, 1910. Oil on canvas. 14 ½ x 10 ½ inches. JKM Collection®, National Museum of Animal Art.

The National Museum of Animal Art (NMWA) will open For the love of canines, an exhibition dedicated to wild canines, on Saturday October 22, 2022. The exhibition questions the relationship and fascination of humans with canines, whether in love or disgust, through works of art from the permanent collection of the NMWA and will be open until September 30, 2023.

“The subject of canids will touch many visitors,” says museum director Steve Seamons. “Many of us live with dogs, or at least see them daily. It’s also a wonderful opportunity to display pieces that haven’t been on display recently. With over 5,000 works in the permanent collection of the Museum, we are always striving to rotate new works through the galleries for the public to enjoy.

Wild dogs, including foxes, coyotes, and wolves, have had significant social and cultural significance to humans around the world throughout history. However, there are conflicting emotional opinions regarding these familiar predators. Foxes, for example, although prized for their beauty and cunning, are often looked down upon for preying on small livestock, such as chickens and ducks. Coyotes nearly became extinct during Western colonization and are also part of the cosmology of some indigenous cultures; sometimes considered a creator, Coyote can also be mean or jester. Yet the one thing all wild dogs have in common is a genetic relationship to our own beloved domestic dogs.

Terrance Guardipee (Blackfeet, b. 1968), Black Wolf Society, 2020. Oil stick on old paper. 19 x 36 inches. Gift of the 2020 Blacktail Gala, National Museum of Wildlife Art. © Terrance Guardipée.

“I first chose this theme of canines to complete Wolves: Photograph by Ronan Donovansays art curator Tammi Hanawalt, Ph.D. I couldn’t stop thinking about my own dogs. There is, of course, a connection between wild dogs and our pets – genetically and emotionally. Domestic dogs share over 90% of the same DNA as wolves and in comparison, wolves and dogs have similar play patterns and affection for each other. Hanawalt continued, “but all wild canids are also predators that we compete with. For the love of canines explores human/canine relationships through artwork from the 19th century to the present day to take a closer look at diverse perceptions about the four-legged creatures we call both friend and foe.

For the love of canines is generously sponsored by Val and Dick Beck, Halloran, Farkas and Kittila LLP, MJ Hunt and Bernie Little, Adrienne and John Mars, Tally and Bill Mingst, Singleton Peery and Wyoming Arts Council.

Top talent looking to add their names to the history books at 2022 ITA USA Championships

0

TEMPE, AZ. – As we inch closer to the 2022 ITA All-American Championships, many of the nation’s top Division I players will converge in both Cary, North Carolina (women’s) and Tulsa, Oklahoma (men’s) as they seek to write their names in the distinguished history books of past champions.

At the ITA Women’s USA Championships, to be held at Cary Tennis Park for the first time in the event’s history, more than 150 of the country’s top players will compete in pre-qualifiers, qualifiers, and the draw. principal in singles and doubles during the championship.

Since the first year of competition in 1983, the ITA USA Women’s Championships have seen many previous champions go on to great careers on the professional circuit. Some of these previous singles champions include Danielle Collins (Virginia, 2015), Fernanda Contreras Gomez (Vanderbilt, 2017) and Robin Anderson (UCLA, 2014) to name a few.

In 2022, nine of the top ten women’s singles players on the Tennis-Point sponsored ITA Collegiate Tennis National Pre-Season Rankings will compete in the main draw, with countless other nationally ranked players completing the qualifying and pre-season draws. -qualification.

For the ITA Men’s All-American Championships, the action will once again take place in Tulsa, Oklahoma at the Michael D. Case Tennis Center and LaFortune Park, where the brightest stars in men’s college tennis will compete for the title of ITA Men’s Champion All-American.

In previous years players such as Ben Shelton (Florida, 2021), JJ Wolf (Ohio State, 2018), John Isner (Georgia, 2005) and James Blake (Harvard, 1998) have all won this renowned tournament in during the fall season. .

This season, the field is stronger than ever, with nineteen of the top twenty players ranked on the ITA Collegiate Tennis National Preseason Rankings making it to the main draw of the US Men’s Singles Championship.


Quick Facts About the 2022 ITA All-American Championships

Men’s US Championships:

  • Dates: October 1 to 9, 2022
  • Pre-qualification: October 1 and 2
  • Qualifying: October 3 & 4
  • Main Draw: October 5-9
  • Hosted by: University of Tulsa
  • Event page

Women’s All-American Championships:

  • Dates: October 1 to 9, 2022
  • Pre-qualification: October 1 and 2
  • Qualifying: October 3 & 4
  • Main Draw: October 5-9
  • Organized by: Cary Tennis Park (Duke, North Carolina, NC State)
  • Event page
– Advertising –

National Museum of American Latino arrives in DC, director talks about effort in Colorado

0

The Smithsonian Institution is embarking on an attempt to tell a fuller story of who we are as a nation.

The National Museum of the American Latino will showcase the history, art, culture and scientific achievements of Latinos.

Jorge Zamanillo, the museum’s director, visited CBS Colorado Mornings to learn more about the work underway to bring the stand-alone museum to life, a process that is expected to take a decade.

Zamanillo was in town to speak to History Colorado on Wednesday afternoon. The National Museum of the American Latino was approved by Congress in bipartisan legislation passed in 2020.

Visitors to the National Mall can now get a glimpse of what to expect at the National Museum of American History, where the Molina Family Latino Gallery opened its first exhibit last June.

museum-latino-2.jpg

Smithsonian


The exhibit tells the stories of Latinas and Latinos who shaped the United States. Indigenous freedom fighter Toypurina, Mexican American labor leader César Chávez, Puerto Rican baseball player Roberto Clemente, Guatemalan labor organizer Luisa Moreno, Colombian American drag queen José Sarria and Cuban American singer Celia Cruz are just a few. historical and contemporary figures presented in the exhibition.

Zamanillo said, “We’ve made incredible efforts over the past few years through the Latino Center to establish a presence in DC, in the Smithsonian and now we’re taking it to the next level…to get Latino representation on the mall. .”

museum-latino-1.jpg

Smithsonian


Asked to address the diversity of the country’s Latino communities, Zamanillo highlighted History Colorado’s Memory Museum initiative, saying “It’s not a monolithic community. We’re diverse. But it starts at the local level. There’s a great example here, History Colorado, where we’re partnering with our colleagues at this museum because they’re capturing these local stories and it eventually becomes national stories. We will partner with these different institutions across the United States to make sure these stories are heard.

How to get a good interest rate for a personal loan

0

Interest rates are on the rise as the Federal Reserve tries to fight record inflation. The central bank is doing this to make loans more expensive and they can try to slow the economy down, hopefully without sending it into a recession.

However, rising interest rates mean that loans are now becoming more expensive and less desirable, compared to record demand since the start of the pandemic.

But can you still get a reasonable interest rate on a personal loan?

Select is studying how you can get the best possible rate on all loans in the new future and how to improve the rates on your current outstanding loans.

Subscribe to the Select newsletter!

Our top picks delivered to your inbox. Shopping recommendations that help you improve your life, delivered weekly. register here.

How to get a low interest rate on a personal loan

The average rate for a personal loan over 24 months is 8.73%, according to the latest Federal Reserve Data. However, this average rate has been declining since 2018, when it was 10.32%. It is also important to remember that these are only average rates. There are currently personal loans with APRs below 4%.

Here are the three main components to getting the best possible interest rate.

1. A good credit score

Getting the best rate on a personal loan is no secret – the higher your credit score, the more likely you are to get a better interest rate. You generally need to have a very good or excellent credit score (740 and above) to qualify for the lowest rates. Additionally, a higher score can bring you other benefits like a longer repayment period and a bigger loan.

However, don’t let a less than perfect credit score deter you from applying. Even if you don’t have great credit, there are still ways to get a personal loan with a great interest rate. Other factors are considered by lenders to determine what you may qualify for, such as your work experience and educational background. In fact, there are personal loans specifically for those with poor credit scores, including:

Beginner personal loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, credit card refinancing, marriage, moving or medical

  • Loan amounts

  • Terms

  • Credit needed

    FICO or Vantage score of 600 (but will accept applicants whose credit history is so poor that they have no credit score)

  • Assembly costs

    0% to 8% of target amount

  • Prepayment penalty

  • Late charge

    Greater of 5% of monthly amount past due or $15

OneMain Financial Personal Loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, big expenses, emergency expenses

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

    Flat fee from $25 to $1,000 or percentage ranging from 1% to 10% (depending on your state)

  • Prepayment penalty

  • Late charge

    Up to $30 per late payment or up to 15% (depending on your state)

If you are unsure of your credit score, you may consider signing up for a credit monitoring service like Chase Credit Journey Where Capital One CreditWise®.

2. Your work history

The second part is the employment history. The lender will likely ask you for a work history to show that you can afford to repay the debt. To prove this, you’ll probably need to get a letter from your manager or the human resources department. Although more difficult, it is still possible to get approved for a personal loan if you are unemployed.

3. Verifiable income

Finally, you will need some type of verifiable income. As with work history, the lender will want to see your current income to ensure you can make the monthly loan payments. This is especially useful if you are still working to improve your credit score. Again, this may be a bit more difficult, but you can still get approved for a personal loan if you are self-employed and have irregular income.

Compare offers to find the best interest rate

Like anything else, you need to shop around for the best deal and the best loan terms. So if you’re looking for a personal loan to help pay off your credit card debt, starting a home renovation or just need a break — it’s best to start shopping for what you need.

Even if you don’t need the money for several months, it pays to know what the rates look like and what your monthly payment will be to pay off the debt.

If a personal loan is in your future, consider our top lender picks:

LightStream Personal Loans

  • Annual Percentage Rate (APR)

    3.99% to 19.99%* when you sign up for autopay

  • Purpose of the loan

    Debt consolidation, renovation, car financing, medical expenses, marriage and more

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Marcus by Goldman Sachs Personal Loans

  • Annual Percentage Rate (APR)

    6.99% to 24.99% APR when you sign up for autopay

  • Purpose of the loan

    Debt consolidation, home improvement, wedding, moving and moving or vacation

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

SoFi Personal Loans

  • Annual Percentage Rate (APR)

    7.99% to 23.43% when you sign up for autopay

  • Purpose of the loan

    Debt consolidation/refinance, home improvement, relocation assistance or medical expenses

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Select also has a comparison tool and a loan market that allows you to easily view different loan offers. You’ll need to answer a few questions and Even Financial will determine the best deals for you. The service is free, secure and does not affect your credit score.

This tool is provided and powered by Even Financial, a search and comparison engine that connects you with third-party lenders. Any information you provide is given directly to Even Financial and it may use that information in accordance with its own Privacy policies and Terms of use. By submitting your information, you agree to receive emails from Even. Select does not control and is not responsible for the policies or practices of third parties, and Select does not have access to the data you provide. Select may earn an affiliate commission on partner offers in the Even Financial tool. The commission does not influence the selection in the order of the offers.

At the end of the line

Personal loans are a solid option for consumers to help pay off lingering debt or even get by for a while. unexpected job loss.

However, before applying, make sure you are familiar with the terms of the loan, including the interest rate, whether it is a fixed or variable APR, and how long you must repay the loan in full.

Check out Select’s in-depth coverage at personal finance, technology and tools, The well-being and more, and follow us on Facebook, instagram and Twitter to stay up to date.

Editorial note: Any opinions, analyses, criticisms or recommendations expressed in this article are those of Select’s editorial staff alone and have not been reviewed, endorsed or otherwise endorsed by any third party.

Personal loan interest rates soar for 3- and 5-year loans

0

Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders, all opinions are our own.

The latest personal loan interest rate trends from Credible Marketplace, updated weekly. (Stock)

Borrowers with a good credit application personal loans in the last seven days pre-qualified for higher rates for 3 and 5 year loans compared to the previous seven days.

For borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender between September 12 and September 18:

  • Rates on 3-year fixed-rate loans averaged 11.91%, down from 11.68% the previous seven days and from 11.14% a year ago.
  • Rates on 5-year fixed-rate loans averaged 15.94%, down from 15.05% the previous seven days and from 14.88% a year ago.

Personal loans have become a popular means of consolidate and pay off credit card debt and other loans. They can also be used to cover unexpected expenses like medical billstake care of a major purchase or finance home improvement projects.

Personal loan interest rates have increased over the past seven days for 3 and 5 year loans. Three-year loan rates increased by 0.23 percentage points, while 5-year loans saw a larger increase of 0.89 percentage points. In addition, interest rates for both loan terms are higher than they were at the same time last year. Yet borrowers can take advantage of interest savings now with a 3- or 5-year personal loan. Both loan terms offer significantly lower interest rates than higher cost borrowing options like credit cards.

Whether a personal loan is right for you often depends on several factors, including the rate you may qualify for. Comparing several lenders and their rates could help you get the best possible personal loan for your needs.

It’s always a good idea to comparison store on sites like Credible to understand how much you qualify for and choose the best option for you.

Here are the latest personal loan interest rate trends from the Credible Marketplace, updated monthly.

Personal Loan Weekly Rate Trends

19-september-tendances-personal-loans.jpg

The table above shows the average prequalified rates for borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender.

For the month of August 2022:

  • 3-year personal loan rates averaged 15.03%, down from 11.04% in July.
  • 5-year personal loan rates averaged 16.52%, down from 13.72% in July.

Personal loan rates vary widely depending on credit rating and length of loan. If you’re curious about what kind of personal loan rates you might qualify for, you can use an online tool like Credible to compare the options of different private lenders. Checking your rates will not affect your credit score.

All Credible Marketplace lenders offer fixed rate loans at competitive rates. Since lenders use different methods to assess borrowers, it’s a good idea to ask for personal loan rates from multiple lenders so you can compare your options.

Current personal loan rates by credit score

sept-19-bar-chart-loans.jpg

In August, the average prequalified rate retained by borrowers was:

  • 9.05% for borrowers with a credit score of 780 or higher choosing a 3-year loan
  • 30.84% ​​for borrowers with credit scores below 600 choosing a 5-year loan

Depending on factors such as your credit score, the type of personal loan you are looking for, and the repayment term of the loan, the interest rate may differ.

As the chart above shows, a good credit rating can mean a lower interest rate, and rates tend to be higher on loans with fixed interest rates and longer repayment terms.

How to get a lower interest rate

Many factors influence the interest rate a lender can offer you for a personal loan. But there are steps you can take to increase your chances of getting a lower interest rate. Here are some tactics to try.

Increase credit score

Generally, people with higher credit scores qualify for lower interest rates. Steps that can help you improve your credit score over time include:

  • Pay your bills on time. Payment history is the most important factor in your credit score. Pay all your bills on time for the amount owed.
  • Check your credit report. Check your credit file to make sure there are no errors. If you find any errors, dispute them with the credit bureau.
  • Reduce your credit utilization rate. Paying off credit card debt can improve this important credit score factor.
  • Avoid opening new credit accounts. Apply for and open only the credit accounts you really need. Too many serious inquiries on your credit report in a short time could lower your credit score.

Choose a shorter loan term

Personal loan repayment terms can vary from one to several years. Typically, shorter terms come with lower interest rates because the lender’s money is at risk for a shorter period.

If your financial situation allows it, applying for a shorter term could help you get a lower interest rate. Keep in mind that the shorter term doesn’t just benefit the lender – by choosing a shorter repayment term, you’ll pay less interest over the life of the loan.

Get a co-signer

You may be familiar with the concept of a co-signer if you have student loans. If your credit isn’t good enough to qualify for the best personal loan interest rates, find a co-signer with good credit could help you get a lower interest rate.

Remember that if you are unable to repay the loan, your co-signer will have to repay it. And co-signing a loan could also affect their credit score.

Compare rates from different lenders

Before applying for a personal loan, it’s a good idea to shop around and compare offers from several different lenders to get the lowest rates. Online lenders generally offer the most competitive rates and can be quicker to disburse your loan than a physical establishment.

But don’t worry, comparing rates and terms doesn’t have to be a tedious process.

Credible is easy. Simply enter the amount you wish to borrow and you can compare multiple lenders to choose the one that suits you best.

About Credible

Credible is a multi-lender marketplace that allows consumers to discover the financial products best suited to their particular situation. Credible’s integrations with major lenders and credit bureaus allow consumers to quickly compare accurate and personalized loan options without putting their personal information at risk or affecting their credit score. The Credible Marketplace delivers an unparalleled customer experience, as evidenced by over 4,500 positive Trustpilot reviews and a TrustScore of 4.7/5.

Alberto Aguilar becomes the National Museum of Mexican Art

0

CHICAGO — Alberto Aguilar is at the National Museum of Mexican Art. Not literally, not right away, but he’s been here recently and he’s been busy. It’s important because Aguilar makes art out of everything around him, wherever he is. When his four children were younger, this often meant the bulk of domestic life, and he was constantly arranging temporary sculptures in his and other people’s homes from clothes trees, duct tape, chairs and hoops. During a visit to Los Angeles, he fashioned lines in the street from fallen pink flowers; in Havana, he used dried corn cobs to fight eating chickens. At the Art Institute of Chicago, he created geometric murals from leftover exhibit murals. Between here and there, this and that, he sketched hundreds of Drawings in passingclever doodles and puns mostly done in pen on mini yellow pads of paper, where the printed lines could become the pattern for a tapestry or the scaffolding for a slanted list of 50 ingredients to use in the sauce mole.

Doing all of this, and especially doing it during the two decades that Aguilar was a practicing artist, requires a very particular set of skills and attitudes. These include being a masterful arranger, developer of usable systems and a seer of potential, as well as being tirelessly playful and improvisatory, brave with color and never too serious. Much is possible when someone thinks and acts this way, and much of that possibility is on display in Yo Soy Museo: new works by Alberto Aguilar at NMMA, until February 2023.

Installation view of Yo Soy Museo: new works by Alberto Aguilar at NMMA. Wall: series of self-portraits (2013-2022); pedestal: “Monolith (In Memoriam)” (2022) (courtesy the artist)
Alberto Aguilar, installation view of “Sentinels” (2022) (courtesy the artist)

Yo Soy Museum seems at first sight to belong to the category of exhibitions of collections organized by artists. It features a selection of masks from the museum’s collections, including a dizzying one with sparse plant fiber hair, bony protrusions, and a black and white concentric pattern that would make an Op Art painter blush. There are ceramic animals, pottery and glassware, art books, miniature sculptures, abstract wood reliefs, photographs, wall hangings, posters, and more. The presentation is tidy and well-balanced, with glass display cases, plenty of risers and pedestals, long wall tags, and a pair of benches for viewers to sit on. So far, so good. Indeed, I have no doubt that Aguilar could organize a terrific exhibition of collections, except that Yo Soy Museum is no such thing. If so, only the masks would have made the difference. And they wouldn’t each hang in the center of an old museum exhibit poster. The resulting overlays range from heretical defiance – this op art mask, by an indigenous Sonoran tribe called Comáac, partially obscures a 17th-century painting of saints and cherubim from the show Images of faith – with a suave aesthetic – for example, a carved wooden dog mask, whose neutral tones and markings match those of the abstraction used on a poster for a contemporary Mexican art exhibition.

Adjacent is a wall covered with a grid of 27 photographic self-portraits. Much like the poster-mask juxtapositions, in each of these images, Aguilar’s face is concealed by a situational prop: a black cat, an overturned basket, a bouquet of flowers, an outdoor sign, an empty bag of rice, vertical blinds, a wall at the beach with a hole the size of a head. There’s no limit to what a disguise can become, it seems – even a slice of white bread can work. A lot of it is hilarious, but not all of it – there’s something a little sad about a man with only a red and black basketball for his face, and people with bags over their heads remember hostage and torture situations. This variety of registers, from the comic to the tragic, corresponds to what I consider to be the general principle of Yo Soy Museumbut also Aguilar’s practice more generally: just about anything can become something else, given the right approach to materials, situations and self.

Alberto Aguilar, “Present Memory (A Revision)” (2022) (courtesy the artist)

The rest of Yo Soy Museum is interested in the kind of documents that a fiery archivist might unearth in the recesses of an institution which, while housing an important permanent collection of Mexican art on both sides of the border, has remained deeply attached to the local community which founded it in 1987. What is an artifact, what is a work of art, what is an accessory, what is decoration, what is is disposable – these are slippery questions at NMMA, and ones that Aguilar tackled with great enthusiasm and deliciously unpredictable results, including floating shelves built from overstock Gunther Catalogs Gerzso and a pair of energetic murals whose colors and shapes derive from the remains Dia de Muertos paint and accessories. The museum is popular for its annual Day of the Dead exhibition, which features offered new commissions every year from contemporary artists. Additionally, you can get sugar skulls decorated with the names of deceased loved ones.

“Present Memory (A Revision),” an altar-like wall-sized assemblage, features elements of particular significance to the history of NMMA: its original sunfaded panel, a framed photograph by Cesar Chavez and Carlos Cortéz with museum staff and board members, vinyl records from the Cortéz archives, mosaic commemorating 10 years of the museum, Cortez’s personal record player, 30 years of the left-leaning Mexican periodical Processa photo of Mayor Harold Washington attending the museum’s inaugural exhibit.

Installation view of Yo Soy Museo: new works by Alberto Aguilar at NMMA (photo Lori Waxman/Hyperallergic)

But nothing is presented as it has ever been or ever will be, a mutability particularly appropriate when it comes to memories. The recordings are obscured by streamers of white papel picado; turntable and magazine sets serve as bases for luchador toy rings filled with figures from the gift shop; an upside-down audio dome filled with plastic oranges and bananas used in Dia de Muertos showing off, becoming an enormous suspended fruit basket; painted wooden photo stands hang on the wall like a series of abstract reliefs. Cleverly arranged glassware from the museum’s dining room, broken ceramic jaguars from the gift shop, even a coiled air compression hose are also present; if they have no obvious historical importance for the institution, they are nevertheless part of its history. Aguilar makes sure they look like they belong.

One of the few articles of Yo Soy Museum which obviously hasn’t been subjected to Aguilar’s exuberant interpretation is a set of 13 balls made of paint and duct tape. These are the work of Luis Martín Gamez, or rather, they are the remains of his work: Gamez is associated with the NMMA installations and was the painter of the internal gallery for years. The balls are presented with reverence in a display case and classified by size, the exception which proves the rule: everything can also, always, be a work of art. It’s not that far to go from there in the title of this exhibition. Yo Soy Museumin other words, means anyone can be a museum.

Alberto Aguilar, “Sentinels” (2022), detail (photo Lori Waxman/Hyperallergic)
Luis Martín Gamez, “Record of Labor” (2002-14), paint and tape (courtesy the artist)

Yo Soy Museo: New Works by Alberto Aguilar continues at the National Museum of Mexican Art (1852 W. 19th Street, Chicago, Illinois) through February 12, 2023.

Things you didn’t know you could do with a personal loan

0

Personal loans are installment loans with fixed monthly payments. Although they generally require you to have a good credit score to qualify, they can be a great choice for consumers who need some flexibility in how they spend their money.

Personal loans also tend to have lower annual percentage rates, or APRs, than traditional credit cards. According to The latest data from the Federal Reservein May 2022, the average interest rate for a 24-month personal loan was 8.73% while the average APR for interest-bearing credit cards (for cardholders who carried a balance) was 16, 65%.

If you’re considering taking out a personal loan to cover medical bills, home repairs, or other expenses, Select provides a more detailed look below at what you can and cannot use to pay for a personal loan.

Subscribe to the Select newsletter!

Our top picks delivered to your inbox. Shopping recommendations that help you improve your life, delivered weekly. register here.

A few caveats about personal loans

The major advantage of a personal loan is that it is a lump sum of money that you can use to pay for most types of expenses. Many personal loan companies will provide you with the funds within a few business days, while some of them offer loans of up to $100,000.

There are, however, certain things that you are not allowed to pay with a personal loan. Check with your personal lender to see if there is anything specific they say you cannot use the funds for, as the lender may require you to repay the entire loan immediately with interest if you choose to. use it to cover prohibited expenses. .

Notably, most personal loans generally cannot be used to pay tuition, make a down payment on a home, or cover business-related costs. For this type of expense, it is better to opt for other types of credit or pay cash instead.

What can personal loans be used for

Other than that, personal loans can be used to pay for many things including wedding expenses, home repairs, medical expenses, a new car, moving expenses, household appliances, equipment. exercise and furniture, among other expensive items.

Personal loans can also be used for debt consolidation. With a debt consolidation loan, the new lender will pay off all your existing accounts, whether credit cards, student loans or other personal loans – you are then responsible for paying the personal lender a fixed monthly payment.

Debt consolidation can be helpful for those who are struggling to repay multiple loans or lines of credit. You should, however, make sure that you are not spending more interest with this type of loan than you would by making the payments on your existing accounts.

Select ranked Reached as one of the best debt consolidation loans for people with fair or average credit and LightStream as best for those with good or excellent credit.

Beginner personal loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, credit card refinancing, marriage, moving or medical

  • Loan amounts

  • Terms

  • Credit needed

    FICO or Vantage score of 600 (but will accept applicants whose credit history is so poor that they have no credit score)

  • Assembly costs

    0% to 8% of target amount

  • Prepayment penalty

  • Late charge

    Greater of 5% of monthly amount past due or $15

LightStream Personal Loans

  • Annual Percentage Rate (APR)

    3.99% to 19.99%* when you sign up for autopay

  • Purpose of the loan

    Debt consolidation, renovation, car financing, medical expenses, marriage and more

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Fees to know

There are several fees associated with personal loans that you should be aware of. For starters, you might encounter late fees if you don’t make your payment on time or prepayment penalty fees, intended to discourage borrowers from prepaying their loan, if you manage to repay your loan before the term of the loan term. ends.

Finally, there may be a an origination fee, or fee for making the loan, which is usually represented as a percentage of the loan and deducted from the original loan amount. Origination fees can vary from 1% to 5% and many lenders do not charge any origination fees, such as Marcus by Goldman Sachs Personal Loans and LightStreammentioned above.

Also select rated PenFed Personal Loans and Discover personal loans among the best personal lenders based on several factors, including no origination fees, no prepayment penalty fees, and the length of the approval process.

PenFed Personal Loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, home improvement, medical bills, car financing and more

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Discover personal loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, home improvement, wedding or vacation

  • Loan amounts

  • Terms

    36, 48, 60, 72 and 84 months

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

At the end of the line

There are very few things personal loans can’t pay for. However, it’s still important to check the fine print and terms of your loan, as using it for prohibited expenses could force you to pay it back immediately.

Check out Select’s in-depth coverage at personal finance, technology and tools, The well-being and more, and follow us on Facebook, instagram and Twitter to stay up to date.

Editorial note: Any opinions, analyses, criticisms or recommendations expressed in this article are those of Select’s editorial staff alone and have not been reviewed, endorsed or otherwise endorsed by any third party.

Shan Goshorn Archive Goes to National Museum of the American Indian | Arts & Theater

0

Most of the intricately woven, uniquely designed baskets that made Tulsa artist Shan Goshorn internationally famous and once filled the workroom of the downtown home she shared with her husband, Tom Pendergraft, are long gone.

“They’ve all been bought out,” Pendergraft said. “Almost all of them are in museums now. There are a few heirlooms that I still have.

Goshorn, a citizen of the Eastern Band of Cherokee, worked in a variety of media, including photography and painting, before beginning to combine traditional Cherokee weaving techniques with her passionate activism for Native American rights. She created baskets of archival paper, on which everything from historical documents to photographs were printed, to create objects of beauty that also contained scathing social commentary.

Her work was featured in group shows and solo shows across the country before her death in December 2018. In 2021, the Gilcrease Museum created an exhibit that showcased Goshorn’s work and her influence on other Indigenous female artists , titled “Weaving History into Art: The Enduring Legacy of Shan Goshorn.

People also read…

A year before Goshorn’s death, she pledged most of the research material she had accumulated for her work, along with a selection of personal papers, notebooks and photographs, to the National Museum of the American Indian in the Smithsonian Institution.

Last week, Rachel Menyuk, an NMAI Processing Archivist, came to Tulsa to begin the process of cataloging and transporting the Goshorn Archive to the museum.

Goshorn had a long relationship with the National Museum of the American Indian. In 2013, she received an Artist Fellowship from the Smithsonian to research some of the historic materials for her baskets. The museum also has several Goshorn baskets.

“Most people who come to a museum see the items on display and may not have any idea of ​​all the archival material associated with those items,” Menyuk said. “But archival records are vitally important because they provide the context for any given object, so we can better understand not just how an object was created, but why.”

Menyuk said she visited Tulsa in 2016, accompanied by one of the museum’s curators, to get a taste of what Goshorn had to offer at the museum.

“I remember Shan and I both laughed when one of them – I think it was Rachel – opened one of the filing cabinet drawers and said, ‘Oh, you have to come and see this. – everything is alphabetical! ‘” Pendergraft said.

“I’ve worked with a lot of archives where they pretty much dumped everything into boxes and shipped it out,” Menyuk said. “That’s why I get a little excited when I work with someone as organized as Shan.”

Goshorn’s meticulous record keeping was underscored when Menyuk discovered a folder on this trip titled “Facebook Posts”, which contained impressions of posts Goshorn had shared on social media during Menyuk’s previous visit.

It’s objects like this, Menyuk said, that show how archives are not the stereotypical collection of dusty books and yellowing papers, but a way to keep a creative spirit alive.

“We are dealing with an individual’s life’s work,” she said. “And what makes it really special is that it allows you to show all aspects of a person’s life and work – the things they did and the things that were going through their head when she made them. It helps tell a complete story about that person and their art.

Tulsa World Scene Podcast: Blue Whale from Route 66 to Catoosa Turns 50

Grace Wood and James Watts preview upcoming Scene features including Catoosa’s 50th Anniversary Route 66 Blue Whale; migration of monarch butterflies; the last full ballet from Tulsa; and more.



Bandi Sanjay hits out at KCR for not mentioning Nizams

0

Hyderabad: On Saturday, Bharatiya Janata Party (BJP) state chairman Bandi Sanjay criticized Chief Minister and Telangana Rashtra Samithi (TRS) supremo K Chandrashekar Rao for being “two-faced”.

Taking to Twitter, the BJP leader said KCR did not mention the Nizams on the occasion of Telangana Jateeya Samaikyata Dinotsavam (National Telangana Integration Day).

He goes on to accuse the CM of not being aware of Telangana’s story. “Better late than never, at least now prioritize reading history over trolling books,” he tweeted.

Earlier in the day, CM KCR said the divisive forces are taking the opportunity of September 17 for their ‘narrow and selfish politics’ and he warned the people of Telangana to make sure the state does not descend down the “rabbit hole of hate”. ‘.

“I wish the people of Telangana on this auspicious occasion of the amalgamation of the state into the Union of India, which has changed from an aristocracy to a democracy. We have also recently celebrated the occasion of the seventy-five years of India’s independence in a way that creates a sense of patriotism among everyone. This celebration of Integration Day is a continuation of the same,” he said.

KCR reminded people of Doddi Komarayya, Ravi Narayana Reddy, Swami Ramananda Theertha, Sardar Jamalapuram Keshava Rao, Vattikota Alwar Swamy, Chakali Ailamma, Bheemreddy Narasimha Reddy, Nalla Narasimhulu, Bommagani Dharmabhiksham Goud, Aarutla Ramachandra Reddy, Aarutla Kamaladevi, Devulapalli Venkateshwar Rao and Baddam Ellam Reddy who played an important role in the freedom struggle in the history of Telangana.

Additionally, KCR announced that the state government will pass the GO to increase the Scheduled Tribes quota from 5% to 10% over the next week.

“Either the center accepts our GO or it will act as a noose for Prime Minister Narendra Modi,” KCR remarked.

The Chief Minister also announced that agricultural land has been identified to be provided to Adivasis cultivating on podu lands. He also announced that the “Girijana Bandhu” program, similar to the existing Dalit Bandhu program, will also be implemented in the near future.

The National Museum of the USAF ready to celebrate the 75th anniversary of the service

0

The feather used by former President Donald Trump in the new branch of the United States Armed Forces, the US Space Force, is on display at the National Museum of the US Air Force, on the occasion of the 75th anniversary of the Department of the Air Force. MARSHALL GORBYSTAFF

The feather used by former President Donald Trump in the new branch of the United States Armed Forces, the US Space Force, is on display at the National Museum of the US Air Force, on the occasion of the 75th anniversary of the Department of the Air Force. MARSHALL GORBYSTAFF

Here you’ll find the pen used by former President Donald Trump to create the new service, as well as space-related uniforms, vehicles and rockets, history explanations, missions and more.

Starting Saturday, visitors can also explore the 5,000 square foot “Above and Beyond” exhibit, which features an interactive demonstration of the forces and physics involved in flight.

Do you want to follow the news from Wright-Patterson Air Force Base?

Wright Patt Today is a newsletter for people who live, work and care about one of the largest Air Force bases in the world. We’ll deliver the latest military news and stories important to the Wright-Patterson community to your inbox every weekday.

Here, museum visitors can experience flight simulation, immersive theater, touch screens, and augmented reality exhibits.

“Rising off the ground, you know there are certain forces that we have to interact with – lift, weight, thrust, drag,” said Mike Brimmer, head of the museum’s education division. “With every flying object, including birds and drones or satellites, rockets, airplanes, all have to deal with the same forces of flight. And this exhibition illustrates that.

Chicago’s Anne Spencer photographs the pen that former President Donald Trump used to sign into the new branch of the United States Armed Forces, the US Space Force, on display at the National Museum. MARSHALL GORBYSTAFF

Chicago's Anne Spencer photographs the pen that former President Donald Trump used to sign into the new branch of the United States Armed Forces, the US Space Force, on display at the National Museum.  MARSHALL GORBYSTAFF

Chicago’s Anne Spencer photographs the pen that former President Donald Trump used to sign into the new branch of the United States Armed Forces, the US Space Force, on display at the National Museum. MARSHALL GORBYSTAFF

Want to design a virtual plane? Here you can do it.

The exhibition runs until December 15.

Museum hours are 9 a.m. to 5 p.m. and admission is free. Be aware if you visit on Saturday that nearly 8,000 runners will be on or near the museum grounds for the four-race Air Force Marathon.

ExploreAir Force Marathon returns in person with 8,000 runners in four races this weekend

The museum — which itself is set to celebrate its centennial next spring — features more than 350 aerospace vehicles and missiles and thousands of artifacts amid more than 19 acres of indoor exhibit space.

The entrance to the museum is at gate 28B of Springfield Street in Riverside.

Doug Lantry, museum historian, for the National Museum of the U.S. Air Force, speaks Friday, Sept. 16, 2022, about the exhibits featured for the Air Force’s 75th anniversary. MARSHALL GORBYSTAFF

Doug Lantry, museum historian, for the National Museum of the U.S. Air Force, speaks Friday, Sept. 16, 2022, about the exhibits featured for the Air Force's 75th anniversary.  MARSHALL GORBYSTAFF

Doug Lantry, museum historian, for the National Museum of the U.S. Air Force, speaks Friday, Sept. 16, 2022, about the exhibits featured for the Air Force’s 75th anniversary. MARSHALL GORBYSTAFF

A flight design station at the “Above and Beyond” exhibit at the National Museum of the US Air Force. THOMAS GNAU/ WRITER

A flight design station at

A flight design station at the “Above and Beyond” exhibit at the National Museum of the US Air Force. THOMAS GNAU/ WRITER


Sunday is the 75th anniversary of the Air Force, which got its start here in the Dayton area and continues today at Wright-Patterson Air Force Base with many important missions including research, national security, procurement and development.

Sunday: The Dayton Daily News examines how Wright-Patterson plays a pivotal role in Air Force history.

Monday: The history of the Air Force is not only a story of battles won, technologies invented and military bases developed. It’s a story of people. The diary profiles six local residents who served in the Air Force.

Tuesday: Discover our special edition e-paper on the history of Wright-Patterson and its impact on the Air Force.

Wednesday: Join our online community conversation with a panel of military, community and business leaders to discuss how Wright-Patterson Air Force Base has shaped our region’s past – and will shape its future.

Sign up for the latest military and Wright-Patterson news in our daily Wright-Patt Today email at DaytonDailyNews.com/newsletters

How to Get a Personal Loan for Students in India

0

Sep 16, 2022





Hear how to get a personal loan for students in India




00:00 00:00







With the constant increase in inflation, education has become expensive in India as well as abroad. Quality education may not be affordable for everyone. Thus, many students opt for an education loan to finance their higher education. However, there can be many reasons why you might not qualify for a student loan or have to pay a certain amount yourself, which you cannot afford. In such cases, instead of borrowing money from friends or relatives, students can opt for a personal loan.

Before deciding to use a personal loan to finance your education, it is essential to understand the nuances of a personal loan and how it differs from an education loan.

An education loan is granted for a specific purpose and can only be used to take a course that you mentioned when applying for the loan. It can cover all study-related expenses incurred during the duration of the course. For example, it usually includes admission fees, tuition fees, library fees, the cost of a laptop, books, travel tickets (if you are studying abroad), etc. You usually have to pay a certain percentage of the total cost of a course yourself.

Since an education loan is specifically for students, the eligibility criteria differ from a personal loan. A student can apply for an education loan with a parent, guardian, or guarantor, and the loan is approved based on their income. A student is considered the primary applicant and the parent is considered a co-applicant. A student must repay the loan after completing the course. Typically, banks/financial institutions allow students six months after completing the course to begin paying IMEs. This exempt period for paying EMIs is called the moratorium period. A student or parent/guardian must pay simple interest charged by banks/financial institutions during the study/course period. And, after the relaxation period of 6 to 12 months, a student is required to repay the loan.

Whereas a personal loan is an unsecured loan which does not require any collateral and can be availed with minimal documentation. Unlike an education loan, a personal loan can be used for a variety of purposes as it comes with no end use restrictions. It is an easy way to obtain funds to take care of various personal and financial needs, and can be repaid according to the terms and conditions of the lender. A personal loan can cover all of your study costs without any compulsory contribution on your part if you are eligible for this amount.

A personal loan is usually offered to people aged 21 and above with a minimum monthly income of at least Rs 15,000 to Rs 25,000. Since it is an unsecured loan, your credit history and your Credit score play a major role in loan approval process. Therefore, a personal loan could be ideal for professionals who want to pursue higher education for better opportunities. However, students with no work experience and no income can apply for a personal education loan because their parent or guardian is the primary applicant. It is advisable to check the personal loan eligibility criteria beforehand, as in India many lenders do not offer personal loans to students.

What are the steps to follow when using a personal student loan?

1. Calculate the exact need:

While availing a personal loan for education, it is essential to know your needs first. You need to know the exact amount you need for tuition fees and other education-related expenses because, unlike an education loan, a personal loan is a one-time loan. This will help you borrow enough funds for all your education-related expenses and avoid excessive borrowing, which will save you from spending interest.

2. Check your eligibility:

There could be a difference between the personal loan amount you are asked for and the amount you are entitled to. Therefore, once you know your needs, you need to check your eligibility for the loan. Lenders use several parameters to calculate your loan eligibility, such as credit score, credit history, age, employment status, monthly income, existing loans, etc. Your credit rating plays an important role in calculating your repayment capacity. Since personal loans are unsecured loans, lenders would be inclined to offer you the loan only when you have a good to excellent credit score. Many websites allow you to check your eligible loan amount through online calculators. Once you have provided your financial information, the approximate loan amount you are eligible for will be displayed. If you are not working or do not have sufficient income, you must check the eligibility of your parent or guardian, who is the main borrower.

3. Find the right lender:

When it comes to availing a personal loan, there are a plethora of options as almost all banks and NBFCs offer personal loans. However, to get the maximum benefits, make sure to compare different lenders on different parameters such as interest rate, processing fees, late payment fees, pre-closing fees, convenience of payment. apply and repay the loan, customer reviews, etc., and choose the right lender.

How to Get a Personal Loan for Students in India

Image sources: www.freepik.com

Join now: PersonalFN is now on Telegram. Sign up for FREE today to get a “Daily Wealth Letter” and exclusive mutual fund updates

4. Calculate your EMI:

Depending on the loan amount, the loan term and the lender’s interest rate, you can calculate your monthly payment online. Unlike student loans, the EMI personal loan starts immediately. Therefore, make sure that you or your parent/guardian can comfortably repay the loan amount you opt for, and the monthly installments will not create financial stress.

5. Approach the lender:

Once you have finalized the loan amount and the lender, it is time to apply for the personal loan. You can apply online from the comfort of your own home or visit the nearest lender branch. Before applying, it is advisable to get all the minor details of the personal loan, including the terms and conditions, and to ensure that there are no hidden fees and charges. Also make sure you have all the necessary information and documents.

What are the factors to consider when using a personal student loan?

A personal loan has its pros and cons; Here are the factors to consider before availing a personal student loan:

1. Interest rate:

The interest rate is the main deciding factor because personal loans have the highest interest rate, and it usually ranges from 12% to 28% per annum. student loans have interest rates between 6% and 13% per annum When your personal loan repayment term is longer up to 4-5 years, you end up paying much more than the principal amount. Preferably, if your credit history is strong and your credit score is high, you can use this as leverage to negotiate a better interest rate with your bank.

2. Warranty:

The biggest advantage of a personal loan is that it does not require any collateral, which means that you do not have to pledge assets as you would with other secured loans, such as loan against property. . Since personal loans are unsecured, not having collateral ultimately increases the interest rate.

3. Processing fees:

Banks or financial institutions charge a certain amount to process your loan application. This processing fee can range from 1% to 3% of the loan amount, which is similar to the processing fee charged on an education loan. If you are a long-time customer of the bank and have a good CIBIL score, you can always negotiate the processing fee.

4. Prepayment charges:

It is prudent to partially repay or foreclose on your loans to save interest payments on future EMIs when you start work or obtain sufficient funds. Remember that most banks and financial institutions charge a prepayment fee if you want to partially repay or foreclose on your personal loan. Fees vary from company to company and generally range between 2% and 5%, which makes a big difference, especially when the dues are high.

How to apply for a personal loan online?

Applying for a personal loan online is the most convenient and fastest way. Follow these steps to apply for a personal loan online:

  • Once you have finalized the lender, visit the lender’s official website (some lenders also offer the service through their mobile apps)

  • Go to the loan sections and choose Personal Loan

  • Click ‘Apply Now’

  • Enter your personal data and submit the form

  • The lender will assess your details and you will receive a call or text accordingly

  • You will need to upload the necessary documents requested by the lender or request a document pickup

  • Once approved, the lender will immediately disburse the loan amount to your registered bank account

  • The process will be even faster and easier if you are an existing customer of the lender, as you can also apply from internet banking.

How to apply for a personal loan offline?

  • Visit the nearest branch of the bank / NBFC

  • The bank/NBFC representative will guide you through the process

  • You will need to submit a duly completed and signed personal loan application form along with the necessary documents upon request from the lender

  • Once the loan is approved, the funds will be credited to your registered bank account

Should I opt for a personal student loan?

To finance your studies, a student loan is the best choice because it does not require you to have a stable income and can be used at an attractive interest rate. On the other hand, a personal loan is an expensive option for financing your education because repayment begins immediately and may take longer. Also, if you’re not earning money, your parent or guardian must be the primary applicant, and eligibility will be based on their credit score and income. However, if you do not qualify for a student loan for some reason or if you need funds to pay the mandatory student loan contribution, you may want to consider a personal loan. Before availing yourself of a personal loan, make sure you read the terms and conditions and the loan agreement carefully to avoid any unpleasant surprises in the future.

Best wishes,
Ketki Jadhav

Content Writer

National Museum of Australia unveils exciting new gallery redevelopments

0

Launch of a world-class environmental gallery and an educational play area for children

Exclusive announcement of the ICEHOUSE concert

The National Museum of Australia in Canberra has launched two new state-of-the-art galleries as part of its biggest redevelopment since opening to the public in 2001.

In a $34 million renovation that reimagines more than a third of the building, the museum launched the groundbreaking Great Southern Land Environmental Gallery and the innovative Tim and Gina Fairfax Children’s Discovery Center.

The Great Southern Land Gallery was designed by the renowned New York-based Local Projects, best known for its acclaimed work on the National September 11 Memorial and Museum in New York.

The Tim and Gina Fairfax Discovery Center is a fun and immersive play space designed and curated for children ages 0-6, their families and caregivers.

Federal Arts Minister Hon Tony Burke MP welcomed the redevelopment. “I am delighted to see these galleries open today, which showcase our unique environment and natural history,” said Minister Burke.

“I am particularly excited about the role they will play in showcasing the connection First Nations people have to the country.

“I am confident that audiences of all ages will leave feeling educated and inspired by the diverse cultural experiences on offer.”

National Museum director Dr Mathew Trinca said the two new galleries represent a major new offering for the Australian public.

“This is a pivotal moment in the history of the National Museum, and I am thrilled to see the years of hard work and planning come to fruition in the incredible Great Southern Land Environmental Gallery and the remarkable Tim and Gina Fairfax Discovery Center. “, said Dr. Trinca said.

“The National Museum celebrates over 20 years of engagement with the Australian public and these new developments will see it grow stronger in the decades to come.

“I would like to take this opportunity to thank Tim and Gina Fairfax, and all the experts who have supported and worked on both galleries for many years, for their generous advice and expertise.”

The Great Southern Land Gallery explores our fundamental relationship with the land, incorporating the stories of the First Peoples who have lived on the continent for at least 65,000 years and the stories of all who have followed.

Fiona Jose, a member of the National Council of Museums and chair of the Indigenous Reference Group, said the new gallery celebrates stories from Australia’s deep history and the First Peoples.

‘Stories of how First Nations people have belonged to and cared for the country over countless generations are woven into the gallery. This new gallery shows how Aboriginal and Torres Strait Islander knowledge of this ancient continent is a legacy on which all Australians can draw and the key to fulfilling our shared responsibility to care for and nurture the land,” said Ms. Joseph.

The Great Southern Land Gallery explores the vast and complex Australian continent, its ancient origins, geological features, unique species, natural forces and the role humans play in the ecosystem. It offers exciting interactive and immersive digital experiences related to Australia’s unique environment and natural history.

The gallery features over 2,000 objects and rich multi-sensory experiences show how the continent has changed over time and how these changes can guide the nation through future challenges.

The Discovery Center invites children to explore Australia’s iconic animals and stories, including kangaroos and bunyips, an early explorer’s cat and social media star Chris the sheep.

Leading Australian philanthropists Mr. Tim Fairfax AC and Mrs. Gina Fairfax AC supported the development of the new space dedicated to children’s play and education and said they were delighted to see the new Discovery Center open to the public.

“This new center has been designed to engage children in Australian stories and the work of the museum. It offers on-site interactive educational games and facilities to reach regional and remote communities,” Mr. and Mrs. Fairfax said.

As part of the launch of the Great Southern Land Gallery, the National Museum will display in its Gandel Atrium a Sequential Circuits Prophet-5 synthesizer, which is the same model of instrument used by Iva Davies of iconic rock band ICEHOUSE to composing the 1982 hit song of the same name, “Great Southern Land”.

“In 1982, when I created the title ‘Great Southern Land’ for a song I was writing, I had no idea what impact it would have on listeners around the world, and especially on listeners Australians,” said Iva Davies.

“To have included the song as part of the incredible project undertaken by the National Museum of Australia to chart the history, diversity and magic of our country is humbling.

“My thanks to the wonderful team, who put together the gallery and exhibition, for all their hard work and for including my song as part of their study of our Great Southern Land.”

When ICEHOUSE started in 1977, synthesizer technology was still relatively new.

“The Prophet 5 is so called because it could play five notes at once, which meant it could play a full musical chord. It could also store the sounds you created on it in ‘memory’ slots. which was incredibly useful, especially for live performances,” Mr. Davies said.

‘The first song that was produced in this exploration was “Great Southern Land” and the sound of Prophet 5 is the backbone of that song. You will immediately recognize the sound of that very first long note as coming from the Prophet.

To coincide with the launch of the gallery, ICEHOUSE has announced a one-time concert, supported by Mix 106.3, as part of its national Great Southern Land 2022 – The Concert Series to be held at the National Museum of Australia on Friday November 4, 2022.

“The ICEHOUSE band members and team are very excited to be able to perform at the National Museum of Australia,” said Davies.

“Having the concert at the Museum during the first few months of the Great Southern Land exhibition gives us all a unique opportunity to celebrate not just 40 years of our song, but the unique history of our home country. be a very special event for all of us.

Tickets for the November 4 concert will go on sale at 9 a.m. on Friday, September 16, 2022.

/Public release. This material from the original organization/authors may be ad hoc in nature, edited for clarity, style and length. The views and opinions expressed are those of the author or authors.View Full here.

A Stone Age amputee rewrites the history books

0
Griffith University / Jose Garcia

The loss of a limb made global headlines last week after the newspaper Nature published evidence of a successful medical amputation that took place 31,000 years ago in what is now Borneo. The new discovery isn’t just the oldest known case of limb removal. It is the first documented surgical procedure of any kind in several thousand years. Consequently, it radically rewrites the timeline of the evolution of human medical knowledge and practice.

To put this date in context: 31,000 years ago, the human species had not yet reached North America. Written language had not yet appeared, and would not be for 25,000 years. The first metal tools would not appear for about 20,000 years; this amputation was performed with a chiseled stone blade (probably obsidian). And the prehistoric Asians who performed this procedure lived among the monstrous mammals of the Ice Age, the ancestors of modern rhinos, hippos and tigers. It was a very, very long time ago.

The Nature the article received tons of media coverage, but don’t overlook the five-minute video released earlier this week by Griffith University, university residence of the authors of the article. In addition to presenting the scientific findings in reasonably accessible terms, the video illustrates the rugged terrain this long-lost patient had to navigate after recovering from surgery. It is worth watching.

Almost nothing was known about the prehistoric origins of amputation until this century. But the past two decades have produced an impressive body of evidence across multiple continents regarding the removal of Stone Age limbs. All of these ancient cultures had the expertise not only to surgically amputate limbs, but also to control blood loss and prevent infection well enough for patients to survive. And all of them seem to have developed these abilities independently – they are too distant in time and space to have transmitted this knowledge to each other.

Here’s what the archaeological record shows about paleoamputation.

Europe, c. 4900 BCE

Until last week, the oldest known example of medical amputation occurred near present-day Paris around 6,900 years ago. Documented in the log Nature Previous in 2007, this case involved an amputation above the left elbow which was most likely performed with a flint blade or axe. Like the Borneo researchers, the French archaeologists used osteological evidence to establish that a) the bone was deliberately cut, not traumatically severed or bitten by a predator; and b) significant scarring has occurred indicating that the patient lived for many years after the amputation.

The authors speculate that the French patient had to be pulled from a limb as a lifesaving measure, after an injury left him with a gangrenous arm. “This is not an accidental amputation, but a genuine ‘medical’ choice,” they write. “Since this patient survived, his caregivers must have had a good knowledge of the needs and means of preventing blood flow through tin plating, disinfection and [wound care]. . . . The unexpected attentions and technical skills in surgery given by this Neolithic group to one of its aged and disabled members suggests a considerable level of social, medical and even moral development.

The article refers to two other amputee skeletons from prehistoric Europe, one in Germany and the other in Czechoslovakia. Six years later, Bulgarian archaeologists published evidence of an amputation below the elbow dating back around 6,400 years. This document appeared in the International Journal of Osteoarchaeology.

Egypt, c. 2500 BCE

It has long been known that the ancient Egyptians developed prosthetics; the earliest examples date from around 900 BCE. But only recently have we seen evidence that they practice medical amputation. It was discovered in 2010 by researchers from Al-Azhar University and the Giza National Research Center, and it suggests that surgical removal of limbs predated prosthetics by at least 1,000 years. Published in the Journal of Applied Sciences Research, the study describes two cases of amputation, one below the knee and the other below the elbow. The below-knee amputee was found in a cemetery for high-ranking members of society, while the upper-limb amputee was buried in a workers’ cemetery. “The healing pattern in the two individuals, from two different social classes, suggests that medical care was equally [available] for them,” the authors write.

In the same year, a joint American-Belgian investigation provided similar evidence in four skeletons discovered near Dayr-al-Barshā. However, a later article from 2014 in Acta Orthopaedica expressed skepticism about the Egyptian finds, suggesting that the skeletal evidence for limb removal is inconclusive at best. “There is no direct evidence that therapeutic amputations were part of surgery in ancient Egypt, especially for larger limbs,” this author argued. “Considering the level of Egyptian surgery in general. . . . the procedures described in the medical papyri are very simple in nature. Not a single surgical incision has been found in any of the tens of thousands of mummies studied during the pharaonic era.

India, c. 2000 BCE

Evidence that ancient Indians practiced amputation comes from the Rig Veda, a 3,500-year-old collection of hymns and verses. In a famous episode, warrior queen Viśpálā loses her right leg in battle, gets fitted with an iron prosthesis, and returns to the battlefield with more fury than ever. Unfortunately, there is no scientific evidence to support this story. The earlier documented amputation cases in India date back to around 600 BCE and mostly refer to punitive procedures: criminals and prisoners of war sometimes had their noses, ears or fingers cut off. The famous Indian doctor Sushrata, often called the father of plastic surgerymade a name for himself by reconstructing severed noses.

Peru, c. 200 AD

There is both physical and material evidence that ancient cultures in the Western Hemisphere practiced medical amputation. Hard evidence was first presented in 2000, when archaeologists unearthed three sets of Moche culture remains, each bearing telltale signs of deliberate cutting and subsequent healing of the lower tibia. Soft evidence appears in ceramic figures of the same period, which regularly represent individuals who are missing an arm or a leg.

A more recent paper, published last year, examines two similar Peruvian cases dating to somewhere between 1250 and 1500 AD (when the (Incas) ruled), suggesting a continuity of surgical knowledge and limb care that spanned perhaps 1000 years.

Get ready to connect with personal lenders now

0

GLENDALE, CA., September 14, 2022 /PRNewswire/ — MoneyMutual is a financial resource website that helps people find personal lenders. Users just need to visit the website and submit their information to connect with lenders. The process of obtaining loans with a bad credit score is difficult, long and unsatisfying. But with this website, people can access lenders who can provide loans in as little as 24 hours. Not to mention the whole process of allowing a user to submit their information, making it more appealing to those who need it.

The possibility of getting a loan with a bad credit rating is not too low these days. And these personal loans are for people with a credit score of 575 or less. Short credit history also makes personal loans, where the interest rate would be higher than traditional loans. But these loans are mainly used in case of emergency or if consumers need to improve their credit score. Limited loan options do not make the situation helpless and MoneyMutual provides consumers with access to lenders who may be able to help them. These online lenders exist to provide these personal loans. The threshold for being a creditworthy borrower varies from lender to lender, but there are ways to make an informed decision. To get a personal loan that meets your needs, the research must be thorough.

“You could have a decision in minutes and the money you need could be deposited directly into your account in as little as 24 hours,” as their website says to get money deposited directly into your bank account.

There are no fees or hidden charges for using the platform. MoneyMutual is the platform that offers users the opportunity to connect with potential lenders.

“…over two million people have trusted MoneyMutual as a resource they can trust to find a lender who may be able to provide them with the money they need for expenses such as emergency expenses, vacations, unexpected bills, and more.”

With MoneyMutual, the process of finding a personal lender becomes much easier. By following 3 simple steps, people can now get loans for personal use in as little as 24 hours.

Step 1:
Fill out a simple and secure form to allow lenders to have basic information.
2nd step:
Lenders review the information provided to see if they can work with the borrower to secure the loan.
Step 3:
The borrower and the lender must agree on the conditions before the start of the loan. Once an agreement is reached, the borrower would have the required amount transferred to his bank account in as little as 24 hours.

We had to move suddenly following a family incident, need a helping hand to meet the expenses. Was quick and easy. The best part is being able to do it all online. Fairly typical terms for these types of loans from lenders. It has helped us and we will definitely use it in the future. – Pearl L.

About MoneyMutual:

Founded in 2010, MoneyMutual.com is an unlimited resource provider that connects potential borrowers with lenders. They are not lenders, just a way for people in need to connect with those who can help. This online marketplace allows borrowers to find fast, simple and secure personal loans from lenders. The simplicity and timeliness of the entire process of obtaining personal loans is what sets MoneyMutual apart. And it depends only on the conditions of the lender and the borrower. MoneyMutual acts as a bridge between two people in need. And the best part is that filling out the form does not entail any hidden costs. The borrower only has to pay the lender after reaching an offer has been evaluated and agreed. This is a great opportunity for people who are in urgent need of money for different purposes. MoneyMutual allows you to find a lender in a few clicks.

Discover them on their website MoneyMutual.com

Contact details
Riya Tyagi
818-672-6755
[email protected]

SOURCE MoneyMutual

Should you take out a personal loan or a car loan to pay off your car?

0

If you’re looking for a new car but don’t have enough money to buy it up front, you’re probably considering taking out a loan to help finance your purchase. Depending on your situation, a car loan or a personal loan could each be an ideal financing option.

Personal loans and auto loans are considered installment loans, which means you will make fixed monthly payments over a period of time. That said, there are several key differences between the two types of loan products that are worth knowing.

Below, Select breaks down everything you need to know about using a personal loan versus an auto loan to buy a car, taking a closer look at how interest rates, eligibility requirements and loan terms vary between the two.

Subscribe to the Select newsletter!

Our top picks delivered to your inbox. Shopping recommendations that help you improve your life, delivered weekly. register here.

Personal Loans vs Auto Loans

The most obvious difference between personal loans and auto loans is that personal loans can be used to finance any type of purchase, whether it’s wedding expenses, home repairs or a new car. Personal loans can also be funded by lenders, credit unions and banks. If you want more flexibility when it comes to using the money to finance, a personal loan is a good choice.

Auto loans, on the other hand, can only be used to purchase a vehicle and are usually funded by a bank, credit union, or other lender. You can also go through a car dealership, who will usually partner with other lenders to give you a loan, although this can be a more expensive option. Auto loans also require a down payment, or a percentage of the loan’s value, and a larger down payment on a loan means having less principal to pay back later.

Another major difference between them is that personal loans are unsecured loans whereas car loans are considered as secured loans. In other words, car loans are backed by collateral – in this case, the car – while personal loans are not backed by anything. If you have decided to opt for an auto loan, a lender can seize your car if you are in default. However, if you fail to make the payments on a personal loan, your credit score will suffer and the lender could take legal action, which could eventually lead to them seizing your assets, including your car.

Since personal loans are mostly unsecured, they require you to have a higher credit score to qualify. Generally, you will need to have a good credit score, or a score above 670, to qualify. However, some lenders give personal loans to people with bad credit, although these types of loans carry higher interest rates.

If you have good credit, there are many personal loans available with lower interest rates and no late fees, prepayment penalties or origination fees. Select ranked LightStream Personal Loans, PenFed Personal Loans and Discover personal loans among the best personal lenders.

LightStream Personal Loans

  • Annual Percentage Rate (APR)

    3.99% to 19.99%* when you sign up for autopay

  • Purpose of the loan

    Debt consolidation, renovation, car financing, medical expenses, marriage and more

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

PenFed Personal Loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, home improvement, medical bills, car financing and more

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Discover personal loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, home improvement, wedding or vacation

  • Loan amounts

  • Terms

    36, 48, 60, 72 and 84 months

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Something else to consider: Personal loans typically have repayment terms of one to seven years, while car loans typically have repayment periods of two to seven years. If you take out a loan with a longer repayment term, it may have a lower interest rate, but you might end up paying more interest than you would on a loan with a longer repayment term. short and a higher interest rate. Use a loan calculator to determine the cost of your loan.

Both types of loans sometimes come with an origination fee, which is a percentage of the loan amount that you pay the lender for making the loan. Personal loans tend to have slightly higher origination fees, but many lenders offer personal loans without these, such as the three lenders mentioned above, as well as Marcus by Goldman Sachs Personal Loans.

Generally, it is advisable to use an auto loan to finance the purchase of a car, as these types of loans tend to have lower credit score requirements and offer lower interest rates. . According a recent Federal Reserve reportthe average interest rate for a 24 month personal loan in May 2022 was 8.73% while the average interest rate for a 60 month car loan was 4.85%, so there is definitely a difference.

Nevertheless, it is worth looking at what type of conditions you qualify for for both types of loans. Then consider the one with the lowest fees and interest rate, as well as the one with the best repayment period.

At the end of the line

Choosing between a personal loan and an auto loan to pay for a car really comes down to your financial needs. If you’re looking for a loan with a lower interest rate and don’t have the best credit rating, a car loan is a great choice. If, however, you are looking for a loan that you can use for other purposes than buying a car, a personal loan is a good option since you can use this money for a number of expenses.

Check out Select’s in-depth coverage at personal finance, technology and tools, The well-being and more, and follow us on Facebook, instagram and Twitter to stay up to date.

Editorial note: Any opinions, analyses, criticisms or recommendations expressed in this article are those of Select’s editorial staff only and have not been reviewed, endorsed or otherwise endorsed by any third party.

Why US Open 2022 was one of the history books: NPR

0

Serena Williams of the United States returns a shot to Ajla Tomljanovic of Australia during the third round of the US Open tennis championships Friday, Sept. 2, 2022, in New York. Williams’ third-round loss to Ajla Tomljanovic had the biggest viewership of any tennis match in ESPN’s 43-year history.

Charles Krupa/AP


hide caption

toggle caption

Charles Krupa/AP


Serena Williams of the United States returns a shot to Ajla Tomljanovic of Australia during the third round of the US Open tennis championships Friday, Sept. 2, 2022, in New York. Williams’ third-round loss to Ajla Tomljanovic had the biggest viewership of any tennis match in ESPN’s 43-year history.

Charles Krupa/AP

The US Open tennis tournament ended on Sunday and history was made, as several competitors debuted as firsts, while 27-year-old veteran Serena Williams punctuated her career by taking part in what believed to be his last game.

Serena Williams could say goodbye to sport

Williams, a 23-time Grand Slam winner, said in August she would likely “step away” from tennis after this year’s US Open, but did not say she would retire. On September 2, she was beaten by Ajla Tomljanovic 7-5, 6-7(4), 6-1 in the third round.

“Obviously, I’m still capable of it. … (But) I’m ready to be a mom, to explore a different version of Serena,” she said. “Technically in the world I’m still super young so I want to have some life while I’m still walking.”

When asked if she would consider returning to the sport, she replied: “I don’t think so, but you never know.”

Carlos Alcaraz is the youngest to be ranked No. 1 in men’s tennis

Carlos Alcaraz of Spain beat Casper Rudd 6-4, 2-6, 7-6(1), 6-3 in the final round of the US Open on Sunday, winning his first Grand Slam title and becoming the youngest man to be ranked world No. 1 at 19.

This year’s US Open is Alcaraz’s eighth major tournament.

Frances Tiafoe is the first American to reach the semifinals in years

Frances Tiafoe of Maryland has become the first American to advance to the US Open semifinals in 16 years.

He beat veteran Rafael Nadal in the fourth round before beating Andrey Rublev 7-6(3), 7-6(0) last Wednesday. Although Tiafoe was eliminated by Alcaraz on Friday.

The last American to reach the US Open semi-finals was Andy Roddick, who was knocked out by Roger Federer in 2006. Roddick is also the last American to win a Grand Slam singles tournament since he won the US Open in 2003.

Ons Jabeur is the first African and Arab woman to reach the final

Ons Jabeur of Tunisia has become the first African and Arab woman to reach the US Open final.

She defeated Caroline Garcia 6-1, 6-3 on September 9, marking her second straight appearance in a Grand Slam title match. She was also a finalist at Wimbledon two months ago.

The role of automation in deciding balls out of bounds

At this year’s US Open, technology showed it was up to the task.

Optical technology made the decisions in US Open matches, as NPR’s Melissa Block reported.

Immediately after impact, a recorded voice shouted the call: “FAULT!” for capricious service; “OUT!” for a ball that lands either long or wide in a rally.

By replacing human linesmen with the optical system called Hawk-Eye Live, “we’re giving players a fairer playing field with a lot more integrity, a lot more accurate ruling,” says Sean Cary, who oversees the arbitration for the United States. Tennis Association (USTA), which manages the US Open.

The Strong National Museum of Play and Rochester Fringe will try to break the world record for the biggest juggling lesson

0

The Strong National Museum of Play and the Rochester Fringe Festival have invited the public to join them Saturday, September 24 at noon for a unique experience. Juggling instructors Ted Baumhauer and Jeff Peden will attempt to set the Guinness World Record for the longest juggling lesson. This free event, part of the annual Rochester Fringe Festival Children’s Day, will take place on the top floor of the museum’s parking lot.

Tickets for this show are FREE, but must be reserved for world record figures.

“Rochester has been a juggling hub since at least the 1970s. Jeff and I would like to add to that story with this attempt to break the Guinness World Record,” Baumhauer said. “We also want more people to know about this wonderful activity that engages mind, spirit and body. Setting this juggling record as part of the Rochester Fringe Festival and at Rochester’s home to play is a perfect way to do it!”

Baumhauer and Peden, who perform with family entertainment company Red Tie Variety, have been juggling and performing for decades. To set the record, Baumhauer and Peden will have to simultaneously teach more than 350 people how to juggle using a set of three commemorative juggling balls that attendees can keep as mementos of the event.

“The game is an important part of the Fringe, and Rochester has examples of world-class play at the Strong Museum. We are thrilled to partner with the museum on this world record attempt for the largest juggling lesson on our day. annual children’s event at the Fringe,” says festival producer Erica Fee.

Tickets for this show are FREE, but must be reserved for world record figures. To book, go to rocksterfringe.com or call (585) 957-9837 (additional phone charges apply), or visit the Fringe Box Office at One Fringe Place at the corner of Main and Gibbs streets, which opens this Sunday, September 11.

About The Strong:

The Strong is the only collection-based museum in the world devoted solely to the history and exploration of gaming. It is home to the International Center for Electronic Game History, the National Toy Hall of Fame, the World Video Game Hall of Fame, the Brian Sutton-Smith Library and Archives of Play, the Woodbury School, and the American Journal of Play. and houses the world’s largest and most comprehensive collection of historical documents related to the game.

LEARN MORE ABOUT THE ROCHESTER FRINGE FESTIVAL:

The 12-day Rochester Fringe Festival has become New York State’s largest multidisciplinary performing arts festival and one of the top three Fringe festivals in the United States. More than 500,000 people have attended nearly 4,000 shows and events at the Fringe since its inception in 2012. The non-profit organization’s mission is to provide a platform for artists to share their creativity and develop their skills, while providing unparalleled public access to the arts. It strives to be diverse and inclusive and to stimulate downtown Rochester both culturally and economically. It showcases the work of regional, national and International artists from emerging to superstar.

LEARN MORE ABOUT FRINGE FESTIVALS:

In 1947, eight theater groups showed up – uninvited – to perform at the new Edinburgh International Festival in Scotland. Although not listed in the official program, the groups perform anyway, in places that they find themselves. The following year, a Scottish journalist coined the term “fringe festival” to describe these unorganized shows which began to appear annually. The Edinburgh Fringe is now the biggest arts festival in the world and the third biggest event after the Olympics and the World Cup. Today, there are more than 250 Fringe festivals around the world, including nearly 50 in the United States. The Rochester Fringe Festival was the first in upstate New York.

Using a Personal Loan to Pay Off Credit Card Debt

0

Credit card debt can quickly turn into a cycle of endless payments. Fortunately, there are several solutions if you are looking to anticipate your debt and pay it off more quickly.

One way is to apply for a personal loan to effectively transfer your debt from your credit card issuer to a personal lender and hopefully get a lower interest rate and better repayment options. By doing so, you’ll likely pay less interest in the long run and eventually be able to get out of debt. There are also a few other options worth considering if you want to consolidate your debt effectively and affordably.

Below, Select details what you need to know about using a personal loan to pay off credit card debt and how to get started.

Subscribe to the Select newsletter!

Our top picks delivered to your inbox. Shopping recommendations that help you improve your life, delivered weekly. register here.

Benefits of using a personal loan to pay off credit card debt

Credit card debt has skyrocketed recently as Americans continue to face record inflation for daily consumer goods such as gasoline and groceries. Unfortunately, such trends can create a slippery slope since credit cards tend to have high interest rates, allowing consumers to get into debt even faster.

If you’ve found yourself in a credit card debt loop, you might want to consider using a personal loan. Here are two reasons why using a personal loan to pay off credit card debt might make sense for your situation.

Personal loans have lower interest rates than credit cards

According to most recent data from the Federal Reserve, the average credit card interest rate in May 2022 was 15.13%. During the same month, personal loan interest rates averaged 8.73% for a 24-month loan.

Let’s say you have $8,000 in credit card debt that you would like to pay off. If you kept your credit card balance, you would end up paying $1,326 in interest. If instead you applied for a personal loan and paid it off over two years, you would end up paying $747 in interest, a difference of $579 in interest.

And keep in mind that these interest rates are just averages. LightStream, Select’s overall best choice for personal loans, offers APRs ranging from just 3.99% to 19.99% when you sign up for autopay, depending on your terms. So your savings can be even greater.

You can reduce the number of monthly payments you have

If you happen to have more than one credit card with a revolving statement balance, opting for a concise monthly payment with a personal loan could be helpful. Rather than concentrating your efforts in several places, you will have all your debts in one place and can devote your energy to paying them off. Also, the more money you invest in the personal loan, the faster you can pay it off and the less interest you will pay.

Disadvantages of using a personal loan to pay off credit card debt

However, using personal loans to pay off credit card debt is not without risk. Here are some cons to consider before applying.

Personal loans could lead to more debt

If you decide to go this route, it’s important to use a personal loan as a means to an end. Even if you use one to pay off your debt, you could quickly end up with credit card debt, as well as a personal loan for your old debt if you’re not careful.

If you take out a personal loan to pay off your credit card debt, be sure to immediately pay off your credit card balance with the money from the loan. Some lenders, like Marcus by Goldman Sachs Personal Loans, will do this automatically for you when you apply for a loan. Then, put a plan in place to pay off your loan and create a budget so you don’t overspend.

A lower interest rate is not guaranteed

Although there is a wide disparity between the average interest rates for credit cards and personal loans, there is no guarantee that you will get a better rate. Find out the exact interest rate you’re paying on your credit card and do your best to find a better interest rate with a personal loan. Factors such as your credit score, loan amount, and loan term can all affect the APR you qualify for.

Visit Select’s Personal Loan Marketplace to see which loans you are prequalified or preapproved for. It’s free, won’t impact your credit score, and lets you compare interest rates from different lenders.

Personal loans have fees

When researching different lenders, consider the fees you may be charged for the personal loan, which may include application fees, origination fees, prepayment penalties, late fees, repayment fees, or a payment protection insurance. If the interest rate difference is small between your credit card and your personal loan, the fees may negate any potential savings.

Best personal loans to pay off credit card debt

If a personal loan sounds like a viable solution for your financial needs, here are a few. Choose from Select’s preferred lenders. Select ranked LightStream as the best personal lender overall due to its low interest rates and flexible terms, but PenFed is also good for those looking for smaller loans and Discover for those looking for quick funding. These loans also have no origination or prepayment fees.

LightStream Personal Loans

  • Annual Percentage Rate (APR)

    3.99% to 19.99%* when you sign up for autopay

  • Purpose of the loan

    Debt consolidation, renovation, car financing, medical expenses, marriage and more

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

PenFed Personal Loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, home improvement, medical bills, car financing and more

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Discover personal loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, home improvement, wedding or vacation

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Select’s personal loan marketplace

Visit Select’s Personal Loan Marketplace to see which loans you are prequalified or preapproved for. It’s free, won’t impact your credit score, and lets you compare interest rates from different lenders.

Another way to consolidate credit card debt

While taking out a personal loan is a solid option for paying off credit card debt, another way to go is to take out a balance transfer credit card that comes with an introductory APR of 0%. With this type of card, for a fixed term, its balance will not bear interest as long as you make the minimum payment each month.

For example, the Wells Fargo Reflect® Card offers 0% initial APR for 18 months from account opening (after, 15.24% – 27.24% variable APR) on eligible purchases and balance transfers. (See rates and fees.) It is also possible to extend this 0% APR for up to three additional months by making the minimum payments on time throughout the introductory and extension periods. Balance transfers made within the first 120 days are also eligible for the introductory rate.

This means you could end up earning up to 21 months of interest-free financing on your current debt as long as you make the minimum payments. If, for example, you have $8,000 in credit card debt to pay off and you can make monthly payments of $400 during the 0% introductory period, you won’t pay a penny in interest.

Keep in mind, however, that there is usually a 3% fee to transfer a credit card balance.

If a personal loan doesn’t meet your needs, consider using a 0% intro APR credit card such as one of the following listed below:

Citi® Diamond Preferred® Card

  • Awards

  • welcome bonus

  • Annual subscription

  • Introduction AVR

    0% for 21 months on balance transfers; 0% for 12 months on purchases

  • Regular APR

  • Balance Transfer Fee

    5% of each balance transfer; At least $5. Balance transfers must be completed within 4 months of account opening.

  • Foreign transaction fees

  • Credit needed

Advantages

  • No annual fee
  • Balances can be transferred within 4 months of account opening
  • One of the longest introductory periods for balance transfers

The inconvenients

  • 3% foreign transaction fee

Hunt Unlimited Freedom®

  • Awards

    Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and restaurant meals, including eligible takeout and delivery services, and 1.5% on all other purchases

  • welcome bonus

    Earn an extra 1.5% on everything you buy (up to $20,000 spent in the first year) – worth up to $300 in cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on restaurants and drugstores, and 3% on all other purchases.

  • Annual subscription

  • Introduction AVR

    0% for the first 15 months from account opening on purchases and balance transfers

  • Regular APR

  • Balance Transfer Fee

    Introductory fee of $5 or 3% of each transfer amount, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of each transfer amount, whichever is greater.

  • Foreign transaction fees

  • Credit needed

Wells Fargo Active Cash® Card

On the Wells Fargo secure site

  • Awards

    Unlimited cash rewards of 2% on purchases

  • welcome bonus

    Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months

  • Annual subscription

  • Introduction AVR

    0% intro APR for 15 months from account opening on eligible purchases and balance transfers; balance transfers made within 120 days qualify for the introductory rate

  • Regular APR

    Variable APR of 17.24%, 22.24% or 27.24% on purchases and balance transfers

  • Balance Transfer Fee

    3% introductory fee ($5 minimum) for 120 days from account opening, then up to 5% ($5 minimum)

  • Foreign transaction fees

  • Credit needed

At the end of the line

Editorial note: Any opinions, analyses, criticisms or recommendations expressed in this article are those of Select’s editorial staff only and have not been reviewed, endorsed or otherwise endorsed by any third party.

The Studebaker National Museum acquires the 1938 Studebaker State Commander convertible sedan

0

South curve, IN – The Studebaker National Museum this week acquired a 1938 Studebaker State Commander convertible sedan. This car is one of only 224 produced for the 1938 model year and is one of fewer than half a dozen known to survive . Studebaker’s 1938 models featured all-new bodies, with styling by Raymond Loewy Associates. Convertible Sedan models saw very limited production and were the most expensive models in the Studebaker line that year. The body was supplied by Central Manufacturing Company of Connersville, Indiana, which had previously produced bodies for its parent company, Auburn Automobile Company. The Museum’s convertible sedan is finished in tulip cream and trimmed with green leather upholstery.

Studebaker-1
Studebaker Museum logo

The Studebaker National Museum is located at 201 Chapin Street, just west of downtown South Bend. It is open Monday to Saturday from 10 a.m. to 5 p.m. and on Sunday. Noon–5 p.m. Admission is $11 for adults, $9.50 for seniors over 60, and $7 for youth ages 6-18. For more information, please call the Museum at (574) 235-9714 or toll-free at (888) 391-5600 or visit our website at www.studebakermuseum.org. For an additional fee, visitors can visit the History Museum, which adjoins the Studebaker National Museum.

vintage car separator

* As an Amazon Associate, Old cars earns qualifying purchases.

QUEEN Elizabeth II should be known in history books as Elizabeth the Great, royal commentator Michael Cole has said.

0

QUEEN Elizabeth II should be known in history books as Elizabeth the Great, royal commentator Michael Cole has said.

He told GB News: ‘The Queen was by no means grandiose, the work was grand, but she had an absolute natural modesty…

“There are very good reasons for history to know her as Elizabeth the Great because it is an unprecedented reign.

“She’s barely taken a wrong foot in 70 years, met 13 US presidents, had 15 prime ministers, met the last one doing his duty as always, just two days ago.

“And the proof is that they are at the Palace. These people were not taken by bus. They weren’t ordered. They weren’t told to hold a flag and wave it.

“It’s not North Korea. It’s not Russia. It’s not orchestrated. It’s people who show one thing, a very big word, affection, yes. And that you can’t buy.

Mr Cole, speaking in an interview with Alastair Stewart on GB News, added: ‘The Queen, who believed very strongly in the value of the Union, somehow strengthened it by dying at Balmoral.

“I think it’s amazing and it underlines the nature of this country, because I don’t know if people realize the Queen is the supreme head of the Church of England, when she crosses the border into Scotland, she becomes a Presbyterian by magic and she is a member of the Church of Scotland.

“His body will go to Holyrood House, his official residence in Edinburgh, then it will travel up the Royal Mile and be put on display at St Giles Cathedral.”

He said: ‘She had views which she did not express publicly, although Mr Cameron let slip how she felt about the Scottish referendum.

“She believed in it and, I don’t know what you think, but I believe that Tommy and Jock shared too many holes in foreign wars for our great union of 1707 to fall apart.

“It’s a great country and it should stick together, and she believed in that.”

Mr Cole added: ‘I have always thought Her Majesty the Queen was happiest when she was the squire at Sandringham or she was the laird at Balmoral, when she was in jodhpurs doing around one of his horses or to go down to the royal stud.

“She was an English country woman at heart.”

He added: “You’ve featured some of the key speeches she gave during her reign, but I think there’s one that still sticks in my memory because she was very apolitical, but she made a very, very good talk…

“In the 1970s during the Silver Jubilee, the speech to both Houses of Parliament in Westminster Hall, she told them at the time, there was terrible violence in Northern Ireland and people suggested that Northern Ireland should somehow be launched as a separate little statement.

“And she said, I have to remember that I was crowned Queen of the United Kingdom. And that’s been a huge benefit for the people who live here.

“Another event I remembered last night as I was reflecting on the reign of Queen Elizabeth II, I was covering a story in Canada. When Quebecers once again tried to get their separation voted through, they ultimately lost the referendum , It was a long time ago.

“But His Majesty on the steps of the Canadian Parliament delivered that same speech about Canada together is stronger and better than Canada apart.”

HDFC Bank will offer a 10-second personal loan service at the end of this year

0

By the end of the year, HDFC Bank will offer everyone a personal loan service in 10 seconds.

Private lender HDFC Bank is expanding its offerings to freelancers who were previously not considered creditworthy in addition to providing loans to anyone in just 10 seconds. From now on, the private lender wishes to increase the exposure to the credit of the independent customers, who represent barely 5% of the market.

The 10 second loan service is something that HDFC Bank, the largest private lender in India, wants to make it available to everyone, even people who don’t have a bank account. The bank has been able to provide 10 second loans to existing customers for the past six years and has been a pioneer in this field.

By the end of the year, we intend to launch the product in the wider open personal loan market after providing quality service to our current customers.

HDFC bank is increasing its offers to freelancers who were previously not considered creditworthy in addition to providing loans to everyone in just 10 seconds. From now on, the private lender wishes to increase the exposure to the credit of the independent customers, who represent barely 5% of the market.

The private lender has 12 million pre-approved loan customers across all of its products and has established an infrastructure base in 650 districts in India to disburse unsecured loans.

At Rs 1.48 lakh crore, personal loans made up the largest portion of retail loans, while 10-second loans made up the largest portion at the end of June 2022.

Additionally, Kapil intends to expand its customer base of independent contractors. Across several categories, he oversees retail assets totaling over Rs. 5.6 billion. It is important to note that, according to HDFC Bank management, only 5% of the self-employed market has access to loans.

About 12 million pre-approved HDFC Bank loans, according to Macquarie research, will be used for mortgage cross-selling. Mortgages are being completed in 440 districts, and this number will increase.

Meanwhile, Kozhikode, the first all-female branch of HDFC Bank in Kerala, opened its doors last month. There will be 4 female bankers working at the branch, which is located on Cherootty Road, the commercial center of the district.

HDFC Bank 10 Seconds Personal Services Features

  • It provides a personal charge in 10 seconds using the Personal Loan Eligibility Calculator to quickly determine their eligibility online or at select branches.
  • HDFC Bank customers also offer benefits to their customers with pre-approval, they can receive funds in just 10 seconds.
  • They have simplified the personal loan application process, allowing other customers to receive a loan within 4 business days, subject to documentation and verification requirements set by the bank. Customers can apply for a personal loan online in a few simple steps.
  • In addition, 10 second personal loan will also help customer who is insured as they can cover personal accident and purchase personal accident cover up to $85,000 and critical illness cover up to $15,000 for a small premium. When disbursing the loan, the premium for these plans will be subtracted from the loan amount. Additional charges will be applied for taxes, surcharges and fees.
  • Along with this they also provide personal loan security by using Sarv Suraksha Pro to protect their personal loan. The main benefits consist of Credit Shield coverage which covers the amount of outstanding debt. Coverage for accidental death or permanent disability up to $1 million. Accidental hospitalization cover up to $8 lakh.

Benefits of personal loan in 10 seconds HDFC Bank

hdfc bank personal loan in 10 seconds

When a client needs money but doesn’t want to deal with the headache of borrowing from friends or family, a personal loan can be a real blessing. A customer can quickly and easily obtain a personal loan, whether they need it for short-term cash or short-term medical expenses, a wedding or a trip abroad, home renovations or overseas study costs. A personal loan is convenient because it can be repaid over time in manageable installments and is quick to disburse with little to no paperwork.

Simple loan processing: A customer can apply for a personal loan online, using NetBanking, at an ATM, or by visiting your local branch in person. Little documentation is required and the application process is quick.

Instant payout: If a client is a member of HDFC Bank, a client can acquire a personal loan in 10 seconds*. For others, it only takes four hours*.

The client is free to use the loan for any purpose: One of the main advantages of personal loans is the flexibility with which they can spend the money, whether it is for a wedding, vacation, gadget, business investment, home improvement, etc. They have to resort to a car loan or a home loan for the specified purpose.

No need to pledge assets as collateral for the loan: Personal loans are unsecured loans, so a client can receive one without pledging assets like your home or stocks as collateral.

Simplified documents: Compared to most other loans, a personal loan requires significantly less paperwork and processing time. A client can obtain a loan by providing identification, proof of address and proof of income. The application process is quick and little paperwork is required.

Easy installments or EMI: These are two convenient ways to repay personal loans. The terms of payment are often flexible and a customer can choose a duration allowing him to optimize his monthly expenditure according to the circumstances. HDFC Bank offers EMIs with tenors of 12 to 60 months, starting at Rs 2,162 per lac. For a personal loan, they can consult the EMI calculator.