Servers Under The Sun Fri, 26 Aug 2022 10:03:06 +0000 en-US hourly 1 Servers Under The Sun 32 32 How many payday loans can you have at one time in the state of Alabama? Fri, 26 Aug 2022 10:03:06 +0000

Moving to a new state can be daunting, especially when it comes to employment and even more so when you’re worried about your debt. This article tells you how many payday loans in Alabama you can have at one time.

What is a Payday Loan?

If you’re looking for a quick and easy way to get some cash, a payday loan might be your best bet. A payday loan is a small amount loan that you can borrow from a bank or payday loan. You can use them to cover short-term expenses like groceries, utilities, and rent, or to cover unexpected expenses like a car repair or medical bill.

The downside to payday loans is that they are high-interest loans that usually come with hidden fees that can add up quickly. Also, you have to repay the loan right away—even if you don’t have the money to repay it right away. That means payday loans are a risky type of financial transaction.

If you are considering borrowing money from a payday lender, be sure to read the fine print carefully before making your decision. And remember, just because you can easily get a payday loan doesn’t mean you can

The state of Alabama has laws that limit how many payday loans a person can take out at one time. These laws are designed to protect consumers from being taken advantage of by lenders and help ensure that every payday loan is awarded fairly.

Generally, a person can take out up to three payday loans at a time. However, if a person has had problems with previous payday loans or has had bad credit in the past, they may only be able to take out two payday loans at a time. If a person needs more money than they can afford within the given timeframe, they may only be able to borrow up to $500 per loan.

How Many Alabama Payday Loans Can I Take Out?

Previously, payday loans were only available through installment loans. That’s because most payday lenders only make small loans that are easy to repay, and they don’t want to take too much risk. However, times have changed and now Alabama residents can get payday loans from almost any lender. This means you can have as many payday loans as you need to meet your needs.

New Braunfels residents question skyrocketing utility bills Fri, 26 Aug 2022 00:45:00 +0000 Timothy Davis said his overall New Braunfels Utilities utility bill was double what it was this time last year.

He reconfigured the family’s air conditioning system and installed attic vents to cut costs, but his most recent electric bill was around $496, even with those adjustments.

“We were caught off guard,” Davis, 45, said of the bill shock this summer.

Davis was one of 60 people seeking answers about the reasons for rising electric bills at a New Braunfels Utility forum on Wednesday night. The utility also hosted a morning forum and live-streamed the presentations explaining why people’s bills have been higher than usual.

The average customer spent about $195 on electricity in July 2021, but that amount rose to about $272 in July, an increase of almost 40%. Bills were higher than usual all summer with record high temperatures, but July was the hardest hit for most customers.

NBU CEO Ian Taylor blamed record summer temperatures that increased customer electricity use, a rise in natural gas prices, and the Electric Reliability Council of Texas’ more conservative approach to network management.

Davis is a member of Citizens of New Braunfels for Responsible Growth, a group formed to “stand up” to city council and advocate for issues such as increased police and parks before high-density apartments in the community.

Like Davis, band member Cheryl Aguirre, 43, said her overall utility bill in July also doubled to $1,000, including $534 for her electricity.

David Hubbard, second from left, chief administrative officer of NBU, answers questions during an electrical community forum presented by New Braunfels Utilities on Wednesday.

Billy Calzada, San Antonio Express-News/Staff Photographer

“It was very unexpected,” Aguirre said. “We can afford to pay it, but it certainly has an impact on our expenses. I mean, I don’t expect to pay a second mortgage. … I had to budget for errands for the month, because most of it goes to energy costs.

Husband and wife Brian Pederson and Julie Schueller said their last electric bill was around $220. They moved to New Braunfels in January, but said they got used to paying around $150 this time of year when they lived in Bexar County.

While the rising costs haven’t caused them much financial trouble, the couple said they’re worried about others who can’t easily cope with a price hike like this.

They plan to turn to solar energy for their house to reduce their bill.

Understand the bill

This year’s average temperatures in May, June and July were more than five degrees warmer than anything recorded in the past decade. The high heat prompted more people to use their air conditioners at the same time as electricity prices rose across the state.

The Texas Tribune reported that many people across the state are paying at least 50% more than last year for electricity, largely due to the effects Russia invading Ukraine has had on the market. Energy. The price of natural gas has risen more than 200% since this invasion, and Texas is exporting more natural gas than usual.

But natural gas isn’t the only culprit. Taylor said after winter storm Uri, ERCOT took a more conservative approach to operating the network to increase reliability.

NBU's Rob Aleman answers questions from Wayne Rudolph during an Electrical Community Forum presented by New Braunfels Utilities on Wednesday, August 24, 2022. Breakout sessions provided customers with information on conservation, rebates, payment plans, solar energy and many more topics.

NBU’s Rob Aleman answers questions from Wayne Rudolph during an Electrical Community Forum presented by New Braunfels Utilities on Wednesday, August 24, 2022. Breakout sessions provided customers with information on conservation, rebates, payment plans, solar energy and many more topics.

Billy Calzada, San Antonio Express-News/Staff Photographer

“When you prioritize reliability, it comes at a cost,” Taylor said, explaining that ERCOT is doing more now to increase the amount of its reserves and is paying to ensure generators are ready to go online. if necessary. “So it costs more, but the network is more stable.”

NBU is still feeling the effects of winter storm Uri.

When the winter storm hit, NBU spent $93 million on electricity, completely depleting its $43 million in cash reserves and forcing officials to incur $50 million in debt to make up the difference.

From March 2021 to July, Taylor said NBU collected all $50 million from customers to repay that debt. The average customer’s bill included a fee of about $25 per month to make this possible.

But it will be years before winter storm Uri is entirely in the city’s rearview mirror. The NBU is now working to replenish the reserves it has run through. Since the utility spent as much as its annual budget on electricity during the week-long storm, it is trying to save the cost of 365 days of electricity, or about $120 million.

Taylor estimates that it will take until 2030 to achieve this goal. In 2023, the average customer will spend $15.60 per month to replenish these reserves, and it will cost $9 per month from 2024 to 2030.

For now though, NBU has suspended collections for reserves in August and September to relieve customers after months of high bills.

NBU CEO Ian Taylor speaks at an Electrical Community Forum presented by New Braunfels Utilities Wednesday, August 24, 2022. Breakout sessions provided customers with information on conservation, discounts, payment plans, solar energy and many other topics.

NBU CEO Ian Taylor speaks at an Electrical Community Forum presented by New Braunfels Utilities Wednesday, August 24, 2022. Breakout sessions provided customers with information on conservation, discounts, payment plans, solar energy and many other topics.

Billy Calzada, San Antonio Express-News/Staff Photographer

Taylor apologized to customers at Wednesday’s forums for not suspending the cost of paying winter storm debt sooner.

A major point of confusion and concern for NBU customers has been an Electricity Cost Recovery Adjustment, or PCRA, charged to each person’s bill. Taylor said the charge is a variable rate that reflects the cost of purchasing power.

The PCRA is made up of the costs of winter storm Uri and a portion of what it costs to pay for electricity generation. Since things like rising natural gas prices can affect the cost of energy, the ECRP can fluctuate from month to month, depending on the market.

A petition is circulating on to remove or reduce PCRA fees from NBU bills. About 3,700 people supported him on Thursday.

But Taylor said it’s impossible to do away with the PCRA altogether, and the most the utility can do to reduce it is to temporarily suspend fundraising to replenish supplies after the winter storm.

However, the term PCRA may disappear as the NBU seeks to reformat its bill to give a more detailed breakdown of all costs.

NBU has not disconnected customers for non-payment all summer and currently has no set date for when disconnections will resume. Customers who require billing assistance or would like a flexible payment plan can contact NBU for more information.

BUHS Trustees Take Proactive Approach This School Year | Local News Thu, 25 Aug 2022 15:27:00 +0000

BRATTLEBORO — Administrators at Brattleboro Union High School are preparing for a year of rebuilding after the challenges presented by COVID-19 and other issues.

Vice-Principal Cassie Damkoehler, Vice-Principal Traci Lane and Dean of Students Hannah Parker “have been working tirelessly through the summer months to prepare for the school year ahead,” Superintendent Mark Speno recently wrote to families. .

“They reflected on the challenges of past experiences and listened to the thoughts and ideas of staff and community members,” Speno continued. “This dynamic team is very focused on approaching a positive school climate and culture, while developing support systems for students and staff.”

The community has learned that Steve Perrin went on unexplained leave in April and that assistant manager Chris Day delayed his military leave to help. Perrin is still paid and declined to comment.

Damkoehler “will take on the acting lead role for now,” Speno wrote. He described her as “a natural leader and a good communicator”.

Damkoehler told the Reformer that she trusts the team of three directors.

“It definitely presents a challenge to be an administrator,” she said. “But I think any time you lose an employee it’s tough. We’ve really spent this summer looking at our priorities and what we need to achieve as an administrative team. It would be ideal to have that fourth but that’s unknown at this point.”

In the spring, Damkoehler rose from dean of students to deputy director. She said the transition happened when Perrin went on leave, but not because of his absence.

“That was the trajectory I was on,” she said. “Maybe it happened earlier because of that.”

Prior to BUHS, Damkoehler worked at Greenfield High School in Massachusetts. She was a special education teacher for years and then worked as a special education coordinator.

Damkoehler said she was in a program to get an administrative license in Massachusetts when she applied for the position of dean of students at BUHS “on a whim.”

“That’s how I got to Brattleboro,” she said. “I love it. It’s a great community.”

As the new school year approaches, Damkoehler said she “feels really positive.”

“Last year was tough, not just at BUHS, but schools were seeing things across the country,” she said. “But in your own school, it feels more personal.”

Damkoehler said administrators, service providers and faculty members are spending a lot of time developing new systems to support students and re-engineering things slightly to help students and staff.

One of his hopes is to see less conflict between students this school year.

“There’s no easy solution to some of the challenging behaviors we’ve seen,” she said. “Wish you could make a little change and that solves everything. We’re really going to put energy into using our restorative practices that we have at BUHS as well as bringing trauma-informed practices back to our staff. , which was something that started before COVID, and then COVID hit and it really stopped our ability to do that.”

The principals of two Windham County high schools have notified parents of physical reports…

Staff had been more reactionary than proactive last year, Damkoehler said. She noted that giving students caught cutting classroom detention was not working, so restorative practices will be used to try to provide more support. She called incidents such as skipping class and using cellphones during class “a symptom of a bigger problem.”

Damkoehler said the new Dean of Students, Hannah Parker, studied in a cohort under Dave Melnick, a leading instructor of trauma-informed practices in the state.

Staff also expressed a desire for Melnick to return to BUHS to provide more training.

“Everyone is really excited about it,” Damkoehler said. “He laid out a one-year plan for us and how we really fit it into the BUHS.”

Staff will work just as hard to support struggling students as they do those who excel, Damkoehler said. It means finding new ways to inspire them.

Damkoehler noted that COVID-19 is “not going anywhere.” She said the health and safety of students and staff will always be a top priority.

“We must continue to take care of ourselves and each other to stay healthy,” she said.

At the Windham Southeast School District’s board meeting on Tuesday, Speno said a third of the district’s administrative team is new this year.

“A lot of transitioning,” he said before describing how the group recently took part in training together. “I’m excited for this school year. We only have a few days under our belt, but we feel like we have a really good positive energy.”

Speno said special emphasis will be placed on a continuous improvement plan and on diversity, equity and inclusion efforts. His goal is to create a program that allows teachers to shadow teachers in classrooms across the school system, not just individual schools.

Speno has been very supportive of BUHS administrators, Damkoehler told the Reformer.

“It’s exciting and really positive to work in such a strong team,” she said.

Cyberattacks exacerbated in the era of hybrid and remote work Thu, 25 Aug 2022 05:27:30 +0000

The massive shift to remote working precipitated by the pandemic has created huge security concerns, as it has blurred the lines between personal spaces and corporate security. It has exposed both individuals and businesses to a series of cyberattacks. In the absence of security protections such as firewalls and blacklisted IP addresses, and due to increased reliance on technology, remote employees are more vulnerable to cyberattacks. According to a report by India Times, 40% of Indian businesses reported an increase in cyberattacks in 2021. This has led to an immense need for cybersecurity solutions.

How remote work provided opportunities for cyberattacks.
Remote work will normalize and effectively become standard business practice. As organizations prepare for a post-pandemic world, one of the many issues they will face is IT security for remote employees. A remote workforce comes with many dangers, as employees rely on their home networks and their own devices to complete their tasks. In case they run into technical issues, organizations can only hope that their employees have technical skills because there’s not much your IT team can do to help you.

Office networks are highly secured against data loss, security and privacy risks, as significant expenditures are made in the equipment of virtual private network (VPN) firewalls, anti-virus software and blacklists dangerous IP addresses. Since most home networks do not have dedicated firewalls or other layers of security to protect devices from data breaches, the aforementioned issues regarding data privacy in a remote work environment are an issue. major concern for the organization and remote employees.

Organizations should create processes and procedures that cover cybersecurity for remote work. They may have come out unscathed so far, but it only takes one mistake for disaster to strike. It is therefore crucial that organizations take the time to consider whether their remote working practices are secure enough to withstand relentless attacks.

Some vital aspects to consider:
Keep devices secure and up-to-date: Make sure all remote employees have enabled all automatic security updates, including antivirus and firewall. Device security also extends to network devices and applies to all updates to your network devices, equipping them with secure passwords.

Inclusion of EDR and MDR in the security posture: Endpoint detection and response (EDR) and managed detection and response (MDR) are two systems designed to advance security technologies to help improve an organization’s security posture. They are intended to help organizations take advantage of advanced security technologies to increase their protection against cyberattacks.

Adopting ZTNA and SASE: Organizations should consider implementing zero-trust network access (ZTNA) and secure access to the service edge to address this computing environment (SASE). ZTNA is a great tool for securing people and devices. It uses contextual data to grant access, which may include security context such as endpoint verification. SASE provides context and controls that ZTNA does not. SASE is a better approach to remote access, and ZTNA can help by giving enterprises more control over access policies, scalability, simplicity, and security.

Strengthen your perimeter: The perimeter of an organization used to be the office space, but now it extends to the employees’ homes. Companies must therefore upgrade it and have the necessary tools to identify and stop threats before attackers can penetrate desktop systems. Cybersecurity solutions can help you detect and monitor these threats and minimize attacks when employees work remotely.

Remote Access Management Policy and Procedures: Organizations should implement multi-factor authentication for VPN access, IP address, and Remote Desktop Protocol (RDP) access limits and increase control over remote network connections.

Protection of Rempart terminals: Protect devices against standard and advanced malware. Install cybersecurity software to ensure that it is competent enough to deal with such attacks.

Defense against Phishing: It is crucial for the organization to ensure that employees are well aware of phishing. A comprehensive set of tools and techniques to identify and neutralize phishing attacks in advance should be installed. Install specialized anti-phishing solutions, tools and anti-phishing security measures that aim to provide effective protection against phishing while providing a modus operandi for attacks that aim to breach security.

Shadow IT: Businesses need to continuously monitor shadow IT and ensure employees who work remotely are using approved applications and solutions in order to combat any type of cyberattacks.

As remote work adapts quickly, organizations must apply their traditional approach to cybersecurity to a broader network of endpoints, which now includes employees’ home networks. Today, regardless of the size of verticals, they continue to switch between remote work and office work, and cyberattacks continue to lurk in ill-prepared organizations. Cybersecurity solutions have become the best protection policy against these cyberattacks and data breaches. This era of hybrid and remote work is increasing and opening up new opportunities for organizations to be productive and improve the work experience of employees. It is therefore crucial that organizations working in a hybrid and remote manner consider these cybersecurity risks and extend the cybersecurity configuration to employees’ home networks.

Chitnavis Mitish
chief technology officer
iValue InfoSolutions

San Antonio’s work to save ‘Bungalow Colony’ focuses on recycling Wed, 24 Aug 2022 17:41:24 +0000 Steve Quillian thinks the 1920s homes in Port San Antonio’s historic bungalow colony have the best windows ever built.

“These windows were born out of a struggle” for efficiency and durability, said Quillian, a wood window craftsman. “For century-old windows, they are in remarkably good condition.”

Quillian, leading a restoration workshop this week across the Living Heritage Professions Academysaid the craftsmanship combines woodworking with mechanical and protective finishing work – disciplines used in almost every facet of the rehabilitation of former commanders’ houses in nationally and locally designated areas. Kelly Field Historic District. The six out of six windows in Building 108, the former home of the base commander, exhibit craftsmanship not fully appreciated today, he said.

“In the golden age of construction, in the 1920s, given all the windows they could have imagined for every house across America, Canada, Mexico, Europe, in which window did they put? This one. They thought it was the best window in the world,” Quillian said.

City officials believe that restoring the windows, used extensively in the design of large one-story bungalows to provide natural light, is a good first step in saving structures that are unlike any other military housing in the city. world and an important connection to San Antonio’s ties to early military aviation.

Kevin Gremillion works on a window of the bungalow colony in the historic Kelly Field neighborhood in San Antonio, Texas on August 23, 2022. The city’s Office of Historic Preservation is working with Port San Antonio to restore the 15 large homes of 1920s bungalows, once used as officers’ quarters. The work begins with repairing the houses’ distinctive windows through the city’s Living Trades Academy, in classes taught by window expert Steve Quillian.

Josie Norris, San Antonio Express-News/Staff Photographer

The bungalow colony – consisting of 15 houses, nurses’ quarters and several independent garages – seems an anachronism today. It is surrounded by industrial buildings and offices of Port San Antonio, a privatized former Air Force base and a 1,900-acre aerospace and technology campus. But the houses were once the center of activity for commanders at Kelly Field after the open lands on the southwest side were chosen as the army’s air base in 1916.

Wood from sturdy crates used to transport World War I biplanes was recycled as building material in the one-story houses – an architectural deviation from the Victorian two-story officers’ quarters at Fort Sam Houston. Now, the city’s Office of Historic Preservation is focusing on reuse and recycling while helping to revive the Old Quarter.

The Preservation Office plans to convert a large 1920s garage near the houses into its Material Innovation Center to store an inventory of doors, cabinets, framing materials and other items from local demolitions and renovations . Although many unused items are already being acquired by salvage stores, the city is working to make the reuse process more robust and to keep old wood materials out of a landfill.

On September 8, the city council is due to consider a deconstruction ordinance that would formalize recycling efforts, beginning with city-initiated demolitions ordered by the Building Standards Board. The preservation office is also working on a rescue program to provide “kits” for homeowners to build secondary suites and “pave the way for more affordable housing options,” office director Shanon Shea Miller said. .

His office plans to use one of the bungalows as a “community tool library,” where San Anton residents doing home repairs can look up tools for home improvement projects. It also has a $25,000 grant from the Texas Historical Commission to develop a bungalow preservation plan in coordination with Port San Antonio.

The Bungalow Colony in the historic Kelly Field neighborhood of San Antonio, TX, seen August 23, 2022. The city's Office of Historic Preservation is working with Port San Antonio to restore the 15 grand 1920s bungalow homes once used as officers' quarters.  The work begins with repairing the houses' distinctive windows through the city's Living Trades Academy, in classes taught by window expert Steve Quillian.

The Bungalow Colony in the historic Kelly Field neighborhood of San Antonio, TX, seen August 23, 2022. The city’s Office of Historic Preservation is working with Port San Antonio to restore the 15 grand 1920s bungalow homes once used as officers’ quarters. The work begins with repairing the houses’ distinctive windows through the city’s Living Trades Academy, in classes taught by window expert Steve Quillian.

Josie Norris, San Antonio Express-News/Staff Photographer

Anyone driving on Robins Drive through the oak-lined, L-shaped neighborhood can see that many once-elegant homes with screened porches and rock columns now have peeling paint, weathered roofs and sagging wood siding. The Preservation Plan will help the Harbor Authority set funding priorities for interior restoration and finishing work. Although some have suggested that the houses could be restored and rented out as a conference center or for receptions, their end use has not been determined.

the association power of preservation The group will hold their next big fundraiser, a 1940s-themed street party, at the Bungalow Colony on October 27. Profits will help restore old houses and train people in restoration.

“One of the things that I find really interesting about the bungalow colony is that every house is different,” Miller said. “They’re very well built and it’s a great lab for students to learn how to rehabilitate these old houses.”

The city’s trades academy provided 16 apprentices with a 10-week course this year. Quillian, who now teaches his third window workshop at the old air base, said wood windows last longer than vinyl, aluminum or fiberglass units.

Donovan Harris scrapes layers of paint from a window of a bungalow in the historic Kelly Field neighborhood in San Antonio, TX on August 23, 2022. The city's Office of Historic Preservation is working with Port San Antonio to restore the 15 large, 1920's single storey houses, once used as officers quarters.  The work begins with repairing the houses' distinctive windows through the city's Living Trades Academy, in classes taught by window expert Steve Quillian.

Donovan Harris scrapes layers of paint from a window of a bungalow in the historic Kelly Field neighborhood in San Antonio, TX on August 23, 2022. The city’s Office of Historic Preservation is working with Port San Antonio to restore the 15 large, 1920’s single storey houses, once used as officers quarters. The work begins with repairing the houses’ distinctive windows through the city’s Living Trades Academy, in classes taught by window expert Steve Quillian.

Josie Norris, San Antonio Express-News/Staff Photographer

“Artisans like us are slowly being driven out. So it is very important that we push back. Because without us, things like this really wouldn’t exist,” he said.

9 personal loans in the same day | Fox business Tue, 23 Aug 2022 19:47:01 +0000

Our goal here at Credible Operations, Inc., NMLS number 1681276, hereinafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote products from our partner lenders that reward us for our services, all opinions are our own.

If you need money fast, check out these 9 lenders that offer same-day personal loans. (Shutterstock)

If you need quick money, you have many options without taking out a high-interest payday loan.

Some online personal loan lenders can send your loan funds same day or next business day. to Get a same day personal loanall you have to do is make sure you qualify and apply to get funding fast.

If you need a same-day loan, visit Credible View your prequalified personal loan rates from different lenders, all in one place.

9 personal loans in the same day

Same day personal loans are loans that a lender can process and fund once approved on the same day. Many banks, online lenders, and credit unions offer same-day personal loans.

These nine credible partner lenders offer personal loans with same or next day financing:


Avant offers debt consolidation, installment, emergency, and home improvement loans with repayment periods of two to five years.

  • Loan Amounts: $2,000 to $35,000
  • Minimum creditworthiness: 550
  • Time to fund: Next Business Day (if approved by 4:30 p.m. Central Time on a weekday)

Axos bench

Axos Bank offers personal loans with repayment periods of three to six years and best-in-class interest rates for borrowers with excellent credit ratings.

  • Loan Amount: $10,000 to $50,000
  • Minimum creditworthiness: 700
  • Time to fund: Next working day

best egg

Best Egg is an online loan marketplace offering deals from a large network of secured and unsecured lenders. The loans have terms of two to five years.

  • Loan Amount: $2,000 to $50,000
  • Minimum creditworthiness: 600
  • Time to fund: 1-3 business days after successful verification


Discover has personal loans with terms ranging from three to seven years and no processing fees. You can complete a competition interest rate, depending on your credit rating.

  • Loan Amount: $2,500 to $35,000
  • Minimum creditworthiness: 660
  • Time to fund: The next working day after acceptance


LendingPoint uses technology to improve the lending experience for people, despite their credit-worthiness. The loans have repayment periods of two to six years and are available in all states except Nevada and West Virginia.

  • Loan Amount: $2,000 to $36,500
  • Minimum creditworthiness: 580
  • Time to fund: Next working day

Luminous flux

LightStream, Truist Bank’s online lending division, offers personal loans of up to $100,000 with repayment periods of two to seven years (12 years for home loans). LightStream also guarantees you’ll have the best credit experience, or they’ll pay you $100 in cash.

  • Loan Amount: $5,000 to $100,000
  • Minimum creditworthiness: 660
  • Time to fund: Same workday

One Main Financial

You can use a OneMain Financial personal loan for many purposes, including debt consolidation. The terms are between two and five years. Its interest rates are higher than other lenders, but it also accepts lower credit scores.

  • Loan Amount: $1,500 to $20,000
  • Minimum creditworthiness: none
  • Time to fund: Same day when you visit a local branch


Upgrade offers fixed rate personal loans for refinancing credit card debt, consolidation, home improvement and other large purchases. The terms are between two and six years.

  • Loan Amounts: $1,000 to $50,000
  • Minimum creditworthiness: 560
  • Time to fund: Within 1 day of approval of required reviews


Upstart offers flexible personal loan amounts with no upfront fees and terms ranging from three to five years. The lender says 99% of approved loan applications are funded by the next business day.

  • Loan Amounts: $1,000 to $50,000
  • Minimum creditworthiness: 580
  • Time to fund: A business day

Go to Credible Compare personal loan rates from these and other lenders without hurting your credit score.

How to apply for a loan same day

Applying for a same day loan is now easier than ever. Follow these steps to apply for a same-day loan:

  1. Check your credit score. First, check your credit score to see where you stand. Check that all of the information on your credit report is correct and make sure all of your accounts have updated balances. Depending on where you check your credit, you might even get tips on how to improve your credit score.
  2. be prequalified. Many lenders allow you to prequalify online by filling out a short form that takes less than five minutes. This saves time during the application process and also lets you take a look at loan offers and interest rates that you might qualify for.
  3. Select a loan offer. Review your loan offers and terms to see what best suits your needs. Consider factors such as interest rate, repayment period, maximum credit limit, and any restrictions on the use of credit. If you are looking for a same day personal loan, you should also confirm how quickly you can get the money.
  4. Apply. Once you have selected a loan offer, submit a formal application. Some lenders allow you to apply entirely online, while others may require you to come to a local branch to complete your application. You must provide detailed information about your employment, bank details, and other debts. You may be required to submit additional documentation to verify your information, e.g. B. Salary slips, bank statements or proof of residence such as your ID card. The lender will also check your credit rating with a hard credit deduction, which can temporarily lower your score by a few points.
  5. receive credit funds. If you are approved for a same-day personal loan, the lender will send you a loan agreement to sign. Once you have signed, you can receive your loan that day or the next business day depending on the lender, usually by direct deposit into your bank account.

When you’re ready to apply for a loan, Credible will help you quickly and easily Compare personal loan rates so you can find one that best suits your needs.

Same day loans vs payday loans

Although both types of loans offer quick financing, same day loans are very different from payday loans.

payday loan

Payday loans are small, short-term loans that you usually have to pay back by your next payday. These loans typically have higher fees and interest rates, which can be as high as 400% APR, according to the Consumer Financial Protection Bureau. This makes them very expensive to manage and you should avoid them if possible.

The loan amounts for payday loans are small because the repayment terms are short. Some states have capped fees and interest rates on payday loans, while others have banned this type of lending altogether.

If you apply for a payday loan, you may qualify with a lower credit score and get your money fast. But you run the risk of not being able to repay the loan given the high fees and interest. Another disadvantage is that the maximum loan amounts are lower compared to same-day personal loans.

Same day personal loans

Same day personal loans have larger loan amounts, lower interest rates, and more flexible repayment schedules.

You can also check out different lenders to ensure you get the best loan terms for your situation. Even if you have bad credit, several lenders specialize in bad credit loans. Your interest rate will be higher than someone with good credit, but still much lower than the interest rate you would get on a payday loan.

Reputable online lenders can release your money the same day, so you can still get the money you need quickly with a flexible repayment schedule.

Retired Tuolumne County Administrator Hired as Acting CAO of Calaveras | New Tue, 23 Aug 2022 08:11:01 +0000

Craig Pedro, the former longtime Tuolumne County government administrator, has been hired on an interim basis to serve as Calaveras County’s top administrative official, effective Tuesday of this week.

Pedro has agreed to come out of retirement to replace Christa Von Latta, who in July announced her retirement as CAO of Calaveras effective January 1, and is now on administrative leave. According to Calaveras County staff, Pedro is expected to work as an acting CAO until Von Latta’s furlough expires.

Rep. Mike Garcia is the latest Republican to invoke the Nazis to defend Trump Tue, 23 Aug 2022 00:13:32 +0000

Representative Mike Garcia, a Republican who faces one of the most competitive home races in the country, compared the Biden administration to the Nazi regime during an interview on a conservative podcast last week.

Referencing the FBI’s recent search for classified documents at Mar-a-Lago, former President Trump’s Florida residence, Garcia blamed the Biden administration and what he called the “deep state.” to “weaponize federal agencies” for political purposes.

“It’s literally the tyranny of a majority right now that’s acting more like a Third Reich than like the United States. And that’s very dangerous,” Garcia told right-wing media personality Sara Carter on his self-titled podcast.

Trump’s most loyal supporters are increasingly using inflammatory language, including references to Nazi Germany, to defend the former president. But unlike those safely settled in a dark red district, Garcia is locked in a hotly contested re-election battle for his North Los Angeles County district that will hinge on his ability to win over independents and Democrats, not only the base of the GOP.

After last year’s redistricting process, Democrats have a 12-point registration advantage in the 27th congressional district, which includes the cities of Palmdale, Lancaster and Santa Clarita. The redrawn lines have made Garcia one of the most vulnerable Republican incumbents in the country and a prime target for Democrats, who see the seat as a rare pick-up opportunity.

Garcia takes on Christy Smith, a Democrat and former state deputy who lost to Garcia in a 2020 special election and got just 333 votes in a rematch in November of that year. Political forecasters view the race as a toss-up.

Asked about Garcia’s remarks, a campaign spokesperson sent a statement: “Mike Garcia has spent a career fighting tyranny and oppression while serving in the military, and no one in Congress appreciates more. our strategic partnership with Israel or does our Jewish community fight harder than it does.”

Smith, in an interview with The Times, denounced Garcia’s comments as a “horrendous trivialization of the Holocaust” and “a very deliberate attack on the credibility of our institutions of government and law enforcement.”

Faced with a more Democratic electorate, Garcia tried to pull off a political balancing act. He voted against certification of the 2020 election results and against impeachment of Trump for his role in the January 6, 2021 attack on the US Capitol. But he emphasized work that has more cross-party appeal, including support for military families and efforts to combat illegal marijuana grow operations in Antelope Valley.

In a speech earlier this month at the Reagan Library, he called for redefining “America First” as being more globally engaged, breaking with Trump’s isolationist streak. And he called for more bipartisan cooperation, denouncing politicians and activists on both sides of the political spectrum for “retreat[ing] to their caveman tendencies.

Garcia made similar remarks in her podcast interview with Carter, lamenting an “us versus them” mentality.

“It’s easy to split,” Garcia said. “There are millions of ways to divide – small groups, large groups. Hard work comes by unifying.

Carter then lifted fear federal bureaucracies are targeting political enemies, referring to “FBI raids” in an allusion to the Aug. 8 search of Trump’s property. Garcia said his questions were valid.

“They’re not doing this to try to get a judgment or to do justice and have someone held accountable. They do it for political purposes,” Garcia said. “That’s why you see the charges laid, the raids made and in some cases no charges even laid. But then never substantiated, never followed up and never actually prosecuted.

Justice Department investigation of Trump continues; a warrant that was unsealed at Atty’s request. General Merrick Garland showed that the former president was under investigation for potential violations of the Espionage Act, which prohibits the unauthorized retention of material related to national defense, as well as the laws on obstruction of justice. During the search, officers removed 11 sets of classified documents, including some classified as top secret that were not supposed to leave government facilities.

Smith said Garcia’s remarks added to the division he often laments.

“It points to a consistent pattern with Rep. Garcia where he publicly releases a set of performative statements,” she said, “but when he thinks it’s private and in front of a confined, more extreme audience, he has a different story to tell.”

Garcia’s comparison to the Third Reich echoes comments from extremist Trump supporters. Florida Senator Rick Scott and Colorado Representative Lauren Boebert have compared the FBI to the Gestapo, Adolf Hitler’s secret police. Rep. Paul Gosar of Arizona, meanwhile, likened the law enforcement agency to Hitler’s paramilitary organization, calling for the “dismantling and elimination of the Democratic brownshirts known as of FBI”.

Other GOP politicians have denounced the Justice Department’s actions as those of a banana republic or other oppressive regime.

Such rhetoric was denounced by fellow Republicans, such as Maryland Governor Larry Hogan, who said Scott’s Gestapo analogy was “very disturbing to me.” This is outrageous rhetoric. He called the strong criticism of federal law enforcement “dangerous”, pointing to an incident where, days after the Mar-a-Lago raid, a man tried to break into an FBI office in Cincinnati before die in a confrontation with the police.

Survey finds remote work will be a permanent feature for most companies Mon, 22 Aug 2022 16:05:41 +0000

Remote work is going nowhere. This is the consensus of the majority of companies surveyed in a new report from JLL, which found that 53% said they would allow all employees to work remotely by 2025. An even larger share of companies, 77%, said they believed providing options remote and hybrid work would be “essential” to attract and keep Talent. The findings are part of JLL’s The Future of Work 2022 report, which asked more than 1,000 senior real estate executives around the world about returning to the office, hybrid and remote plans and the use of office spaces.

JLL’s survey found that 24% of companies said they have already made remote work a permanent option for employees, while 30% said they plan to make it a permanent option by 2025. Before the pandemic, 45% of employers did not offer hybrid work. opportunity for employees. Today, only 9% of companies do not offer a hybrid option. The next three years are expected to be a “critical phase” for companies as they develop their commercial real estate strategy, according to the report. “After a period of rapid change, comes an opportunity to pause and think strategically about the future,” JLL wrote. “CRE leaders are now at that time.”

The numbers come on the heels of more big companies like Netflix announcing reduced office space and others calling employees back to the office. Last week, Apple informed employees that they should come into the office at least three days a week starting in early September. Telecommunications giant AT&T also recently ordered employees back to the office in September, but the request was met with backlash from employees, who filed a petition to make remote work options permanent. While research has clearly shown that most employees prefer having remote and hybrid options, it remains to be seen whether companies like AT&T facing employee reluctance will eventually cave to the pressure. But if JLL’s latest report is any indication, it’s only a matter of time.

4 ways to get people to visit your website Mon, 22 Aug 2022 09:09:33 +0000

Have you spent time and money launching your business website, but your analytics still look a little lackluster?

Do not be discouraged ! Here, we’ll break down three ways to get people to your website without having to empty the bank on paid advertising.

First, put your dots on the i’s and cross your t’s

First, make sure your bases are covered when it comes to basic SEO needs so your site shows up when the right prospect searches. Make sure your pages have correct meta descriptions and you’ve fixed any broken links. Dive deeper into SEO best practices when it comes to building a real estate business here.

Once you’ve covered the basics of helping search engines find your site, you can focus on how to help potential customers find your site.

Provide value through permanent content

It is essential to have a digital footprint for your business. If you don’t exist online, you might as well not be in business.

But establishing a digital footprint is so easy these days, and you can do more than just create a site. You can establish yourself as a thought leader and expert. The more quality content you have online, the more opportunities you have to generate leads for your business.

Like everything in business, the secret to success is providing value to customers, and creating valuable content is no different.

Evergreen content is versatile content that can stay fresh and alive forever. It is always valuable and useful to your audience, no matter where they are in their buying or selling journey.

This is a very effective type of content for generating leads because it won’t age over time like most other trends or topics. Creating permanent content may take more effort initially, but it’s worth it in the long run because you won’t have to continually create new content.

What type of persistent content should you create? Well, as a realtor, that would be looking at the markets you serve and creating landing pages, video content, blog posts, and more. on topics that buyers in your area are looking for, such as reviews of local schools, parks and recreation areas, cafes, theaters, and more.

Our keep it real episode with Bob McCraine is a great deep dive into how Bob created substantial lead traffic to his site and business using these exact methods.

Use video whenever possible

If you’re looking for a way to drive traffic to your real estate website, consider using video. Videos are an extremely powerful marketing tool, and they can be used in many ways to drive traffic to your site.

YouTube is the second largest search engine on the internet, potential customers can find you there and get to know your business better.
Nearly 85% of the content consumed these days is video, as more and more people prefer watching articles rather than reading them; that is why it is essential to have a YouTube channel.

When using videos to generate leads and traffic, you want to make sure they’re effective. They should be attractive, informative and properly edited. Make sure your videos are also placed in the right places on your website so that they can be easily found by potential customers.

To keep your content as effective as possible, be sure to create videos discussing the details of the real estate services you market and ensure that the video content is always up to date.

It is also useful to create a frequently asked questions page on your website and record a video answering these questions. This will definitely lead to increased website traffic and engagement.

Create a social media content calendar and stick to it!

Consistency is the key. Many believe that the only way to get substantial reach on social platforms is to pay out of pocket for promoted posts. But you risk failing if you can’t commit to a consistent social media posting schedule.

Use a social media posting tool like Buffer to schedule posts in advance. Then, share more improvised posts here and there.

Show up and be sure to minimize zero days. Release something on every platform daily.

This can be achieved easily by recycling your evergreen content and mixing it with timely and trending content. Put yourself in the shoes of the average Internet user.

Many people browse their feeds while commuting to work, waiting in line, or in a waiting room at the doctor’s office. By consistently delivering a mix of persistent and trending content, you’ll be sure you’re showing up on someone’s feed and that’s half the battle.

Showing up is the most important part of content marketing. Many will feel a bit embarrassed to post at such a high volume, but this usually comes down to people thinking that users are just watching your stream, which is rarely the case.

Be creative and present yourself on alternative platforms as well. The social media landscape is constantly changing, new platforms appear and others stagnate and die. Make sure you’re visible to a wide range of audiences and constantly assess where you can expand your reach.