Loans – Cheap Solar Panels http://cheap-solar-panels.org/ Sun, 04 Jul 2021 23:00:44 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://cheap-solar-panels.org/wp-content/uploads/2021/05/cropped-icon-32x32.png Loans – Cheap Solar Panels http://cheap-solar-panels.org/ 32 32 Unemployment benefits for the self-employed – NerdWallet https://cheap-solar-panels.org/unemployment-benefits-for-the-self-employed-nerdwallet/ https://cheap-solar-panels.org/unemployment-benefits-for-the-self-employed-nerdwallet/#respond Thu, 11 Mar 2021 05:38:29 +0000 https://cheap-solar-panels.org/unemployment-benefits-for-the-self-employed-nerdwallet/

Update of December 27, 2020: President Trump signed a $ 900 billion relief bill passed by Congress on December 21. The back-up plan included an extension of the pandemic unemployment benefits for the self-employed, entrepreneurs and workers in concert. However, a delay between the vote in Congress and the president’s signing caused some unemployment benefits to expire over the weekend. We will update the information below as details become clear on how relief will be implemented.

Unemployment benefits have traditionally been available only to those who work for an employer and lose their job through no fault of their own.

However, self-employed workers who have had to deal with the financial impacts of the COVID-19 outbreak and business owners who operate as an S corporation may also be eligible for unemployment benefits.

Unemployment benefits under the CARES Act

The federal government has expanded unemployment benefits under the Coronavirus Relief, Relief and Economic Security Act (CARES Act).

Self-employed workers who are generally not eligible for unemployment benefits – including independent contractors, sole proprietors and concert workers – may now be eligible. They may also be entitled to additional money: the new law provides an additional $ 600 per week in unemployment benefits and extends benefits for 13 weeks (for a maximum of 39 weeks of benefits).

Eligibility and guidelines vary by state, and you may be eligible if you are self-employed and have lost income due to coronavirus measures, or if you are unable or unavailable to work for related reasons. to COVID-19, such as quarantine or care. for a sick family member.

Under normal circumstances, states require you to look for work each week you apply, but the CARES Act provides flexibility if you are unable to do so due to COVID-19.

Due to the launch of new unemployment claim systems and the increase in the number of people claiming unemployment benefits in recent weeks, some states are not yet able to process new claims and payments may be delayed. But there are signs that the first obstacles to request for services start to get up.

Contact your state unemployment insurance fund to find out who can receive benefits, how to apply and if delays are expected.

Unemployment benefits in normal times

Under normal circumstances, companies structured as sole proprietorship are not able to collect unemployment benefits because unemployment taxes are not paid if you have no employees.

However, you may be able to receive benefits as S corporation if you treat yourself like an employee. This means that you receive a paycheck from your business that deducts federal and state taxes (including unemployment taxes).

To receive benefits, you must actively look for work each week that you apply. You can file a complaint with the unemployment insurance program of the state where you worked.


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BABA stock will hit $ 233,010 by next year https://cheap-solar-panels.org/baba-stock-will-hit-233010-by-next-year/ https://cheap-solar-panels.org/baba-stock-will-hit-233010-by-next-year/#respond Thu, 11 Mar 2021 05:38:29 +0000 https://cheap-solar-panels.org/baba-stock-will-hit-233010-by-next-year/

The current price (29e May 2019) of BABA stock is $ 154,810. Alibaba started 19 years ago and has grown into one of the leading retailers in China. After its initial public offering in the United States in 2014, the share price soared exponentially to 73%. However, for the past year, the trends have been declining. According to forecasts by BABA analysts, the price will reach $ 233,010 by next year.

Alibaba’s commitment to e-commerce, cloud, logistics, digital media and subscription software has enabled it to generate revenue for the company. Alibaba earned $ 56 billion in fiscal 2019 from these five sources. And, the company is also planning higher profit targets in the years to come.

BABA Stock Forecast 2019 – BABA Stock Price

Although Alibaba Group Holding’s share price is currently trending down, its amazing profits are not going anywhere.

According to CNN Business, 46 analysts provided 12-month price forecasts for Alibaba Group Holding Ltd with a median target of 1,492.56. They also predicted the high estimate at 1,924.22 and the low estimate at 1,330.46. According to this median estimate, the price increase is set at + 864.13% against 154.81.

The pool owned by CNN with 48 analysts agreeing on the same consensus to put the stock on “buy” makes it clear that now is the right time to get as many shares as possible for Alibaba Group Holding Ltd.

Forbes also estimated Alibaba’s share price growth to be over 15% in 2020. Revenue would reach $ 75.2 billion (+ 34% year-on-year). The BABA forecast made by Forbes suggests the BPA figure would be $ 4.97. Therefore, each share of the company is worth $ 200.

The conclusion – Forecast of BABA actions

The downtrend and the next expected stock price change next year suggest that BABA stock should be set to ‘buy’. BABA’s forecast reveals huge payoff for those currently investing in the business. A great option for a long term investment as well.

Disclaimer: The information on this site is provided for discussion purposes only and should not be misinterpreted as investment advice. This information does not in any way constitute a recommendation to buy or sell securities.


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Niu.com (NIU) stock forecast 2019: Niu.com (NIU) stock news today https://cheap-solar-panels.org/niu-com-niu-stock-forecast-2019-niu-com-niu-stock-news-today/ https://cheap-solar-panels.org/niu-com-niu-stock-forecast-2019-niu-com-niu-stock-news-today/#respond Thu, 11 Mar 2021 05:38:29 +0000 https://cheap-solar-panels.org/niu-com-niu-stock-forecast-2019-niu-com-niu-stock-news-today/

Niu.com is an online scooter market where you can find several models of great scooter tech, while the company arguably claims Niu Technologies is “the world’s number one scooter manufacturer”.

The company offers the M + model, NGT, M model, S model and U model, while also offering electrically charged scooters among the models mentioned. Niu went public in October 2018, joining the upward trend of listed companies issuing shares in 2018 as well as in 2019.

How well is Niu Technologies (NIU) doing in the market in 2019?

Niu went public in October 2018, while the company issues 7 million Class A shares to the public, setting the price of $ 9 per share for the opening trading session.

The company managed to raise $ 63 million with its initial public offering, as expected from previous estimates, and although Niu’s IPO is certainly a far cry from the biggest IPOs the market has seen in far away, the latest reports for 2018 have demonstrated tremendous growth potential that the company has with their product offering.

The total sales volume of electric scooters that the company announced for the fourth quarter of 2018 is set at 77.9% year-on-year increase, net revenue for the same period is 427.5 million Chinese yuan , and the total revenue for the whole year would be 92.1%, up year-over-year, respectively.

However, despite strong reports and exponential growth exemplified by Niu scooter sales, NIU shares are trending downward at the start of the second quarter of 2019.

The company sold 93,611 electric scooter units for a year, but shares fell -0.86% with the latest market change, setting the value of NIU shares below the opening price of $ 9 per share because NIU trades at $ 8.11 after the close of the last trading session.

Disclaimer: The information on this site is provided for discussion purposes only and should not be misinterpreted as investment advice. This information does not in any way constitute a recommendation to buy or sell securities.


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Red flags and red herrings in job seekers credit reports https://cheap-solar-panels.org/red-flags-and-red-herrings-in-job-seekers-credit-reports/ https://cheap-solar-panels.org/red-flags-and-red-herrings-in-job-seekers-credit-reports/#respond Thu, 11 Mar 2021 05:38:28 +0000 https://cheap-solar-panels.org/red-flags-and-red-herrings-in-job-seekers-credit-reports/

April 16, 2015

6 minutes to read

Opinions expressed by Contractor the contributors are theirs.


Regardless of the size of your staff, a business is as good as the people who work there. When looking for new members for your team, it makes sense to find the most knowledgeable and reliable people possible.

Related: Secrets of Negotiation: How to Convince Creditors Not to Ruin Your Credit Score

But how do you quantify the responsibility? Since these traits are difficult to discern in resumes and cover letters, many hiring managers look at the candidate’s credit history.

If your knowledge of consumer credit is a bit fuzzy, don’t worry, a majority of Americans have a tenuous understanding of their credit. This article will show you how to find a candidate’s credit report, what it contains, and what you should look for during the hiring process.

How to extract an applicant’s credit report

First of all, you want to see an applicant’s credit report, not their credit rating. A credit score is a three-digit number derived from information contained in someone’s reports from the three major credit bureaus (TransUnion, Experian, and Equifax), and is usually calculated through a proprietary algorithm.

A credit score can tell you that someone has bad credit, but it won’t explain how it happened. This is an important distinction, because a bad credit score is not always the result of irresponsible financial habits.

When you are ready to retrieve the applicant’s credit report, you will need their written consent (as required by the Fair Credit Reports Act).

Then simply notify one of the three major credit bureaus that you are acquiring someone’s credit report for business purposes. Experian, for example, has a page dedicated to pulling credit reports on other people. Or, you can contact third-party groups such as StarPoint or ADP to perform credit checks on employees.

Related: How to correct errors on your credit report

Alternatively, you can do a “proxy order“by asking the applicant to request their own credit report and give it to you. People can do it for free once a year for each office via www.annualcreditreport.com.

What you will see on a credit report

The credit report will contain:

  • Basic information about the applicant (name, address, etc.)
  • Past and present lines of credit, such as mortgages, student loans, personal loans, credit cards and more. These sections will include account status, payment history, current balances, and additional details.
  • A list of recent credit requests, including date, company, and reason for the credit request
  • Public records, which typically include court judgments such as tax liens and civil actions
  • History of bankruptcy.

To get an idea of ​​the type of credit report you would receive, check out this Experian example.

red flags

When trying to assess whether that potential new hire has reliability issues, it’s best to look at their credit report from a long-term perspective. Some of the more revealing details will be found in the public records sections. If a person’s personal finances have deteriorated to the point that a court has had to intervene, it may be a sign of recurring fiscal irresponsibility.

True, a consumer can file for bankruptcy after an unforeseen event like a medical emergency, but many times he or she will file after being trapped by cyclical debt or overspending.

Likewise, a series of missed payments may indicate that the applicant has had difficulty meeting deadlines. Tax liens and mortgage defaults are also things that tend not to happen overnight, meaning that the applicant has had ample time to try to correct the situation.

red herrings

“The red herring”, a literary term, refers to a detail or event that seems remarkable at first glance but ultimately turns out to be unimportant. When it comes to credit reports, there are a lot of red herrings.

Consumer credit risk analysis is a notoriously capricious science. For example, only one missed payment on a credit card is enough to take someone from a credit score of “excellent” to “fair” or worse. Medical debt also deserves careful consideration, as these debts frequently penalize consumers and contain errors.

The message here is that a single missed payment in an otherwise flawless repayment history shouldn’t be alarming, even if an individual’s credit rating has been seriously affected.

Frequent credit checks are also another cause of credit penalties. If the consumer has an otherwise healthy profile and keeps their debt utilization ratios at safe levels, it is entirely possible that what is happening is a “churning” of credit cards just for rewards. This can indicate that someone is a smart consumer, as opposed to a spender.

Many millennials will likely have large installment loans on their credit reports, often over five digits or more. In many cases, these are student loans, not reckless borrowing.

Additionally, many negative ratings will stay on credit reports for a long time, often seven or ten years after the penalty first appeared on the report. It is quite possible that within this time the applicant has learned from his mistakes.

Additional considerations

If you decide not to hire someone based on the contents of a credit report, you will need to send that person a disclosure before adverse reaction. This is how you, as the employer, will inform the applicant of the refusal of employment due to the contents of a credit report.

The pre-adverse action disclosure should include both a copy of the credit report you received and a Federal Trade Commission document titled “A summary of your rights under the Fair Credit Reporting Act. “

You should also ask the applicant if they have recently reviewed the credit report for errors. According to the FTC, one in four consumers have errors on their credit reports.

If the candidate appears otherwise perfect for the vacant position, ask for an explanation of the negative scores on the credit report. Not only will you learn more about this person’s financial history, but you will gain valuable insight into how they are coping and recovering from setbacks.

Related: 9 Strategies To Improve Your Credit Score


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State Auto Insurance Laws That Affect Your Quote https://cheap-solar-panels.org/state-auto-insurance-laws-that-affect-your-quote/ https://cheap-solar-panels.org/state-auto-insurance-laws-that-affect-your-quote/#respond Thu, 11 Mar 2021 05:38:28 +0000 https://cheap-solar-panels.org/state-auto-insurance-laws-that-affect-your-quote/

Most or all of the products presented here come from our partners who pay us. This can influence which products we write about and where and how the product appears on a page. However, this does not influence our ratings. Our opinions are ours.

You thought you understood how auto insurance quote job. Then you moved to a new state and found things to be a lot different. State auto insurance laws and regulations have a big impact on how much you pay and the type of coverage you have.

Here is an overview of some key factors.

Protection against injuries

Injury Protection (PIP) covers the medical costs that you and your passengers may have after an accident, regardless of who caused it. He can also pay for rehabilitation, lost wages, funeral expenses and child care.

You must purchase personal injury protection in no fault auto insurance States where your own insurer always pays for the treatment of your injuries. The 12 clear states are Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah (plus Puerto Rico). In these states, drivers can usually only sue the offending party for serious injuries – ones that cost more than a certain amount to treat, or cause the injured driver to miss a certain number of days of work, for example.

Arkansas, Delaware, Maryland and Oregon also require drivers to purchase personal injury protection, according to the Insurance Information Institute. Other states, like Washington, require coverage unless policyholders expressly reject it. California does the same for medical payment coverage, which is similar, but does not cover lost wages or services such as rehabilitation and child care.

Uninsured and underinsured motorists

If you are injured or your property is damaged in a hit and run or an accident caused by someone without insurance, Uninsured Motorist Protection pays for your treatment or the damage. It is required in Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Montana, Nebraska, New Jersey, New York, North and South Carolina, Dakota North and South, Oregon, Vermont, Virginia, Washington, DC, West Virginia and Wisconsin, according to the Insurance Information Institute. New Hampshire requires you to have it if you choose to purchase auto insurance, which is not required in this state.

Coverage for underinsured motorists pays for expenses that exceed the policy limits of the person who caused the accident. It is required in Connecticut, Illinois, Maine, Maryland, Massachusetts, Minnesota, Nebraska, New Hampshire, New Jersey, North and South Dakota, Oregon, Vermont and Virginia. North Carolina requires it in policies with coverage limits greater than $ 30,000 per person and $ 60,000 per accident.

Discounts

Some states require suppliers to offer discounted rates to drivers who have certain safety equipment on their cars. Antilock brakes and airbags, for example, allow drivers to take advantage of discounts in Florida, New Jersey and New York. Other features that qualify for state-mandated discounts include automatic seat belts (New York and New Jersey) and daytime running lights (New York).

Tariff rules

States have different regulations regarding what insurers can take into account when setting rates. North Carolina, for example, prohibits basing fares on gender or age, although it allows a surcharge for drivers with less than three years of experience. Massachusetts blocks the use of factors such as gender, marital status, occupation, income, education, credit rating, and age (with the exception of a discount for drivers over 65 years and over). Likewise, Hawaii prohibits the use of age, gender, credit rating, marital status, and years of driving experience in setting rates.

Interestingly, California requires insurers to factor drivers’ years of experience into rates, along with information about their driving record and annual mileage. The state also defines other factors that companies may choose to consider, including car model, vehicle use, driver training, gender, marital status, and frequency and severity of incidents. claims where the car is based.

Many states require insurers to base rates only on factors related to a driver’s likelihood of having an accident. This is why several states have acted against “price optimization, A practice in which insurers charge consumers more than they consider unlikely to shop.

Finally, some states regulate increases in insurance rates. A notable example is North Carolina, which sets maximum rates. Insurers can still offer discounts or get around limits by refusing to provide certain coverage unless people agree to pay more. The rate increases also require state approval in Alabama, California, Connecticut, Georgia, Hawaii, Mississippi, Nevada, New Jersey, New York, North Dakota, Pennsylvania, Tennessee, Washington and West Virginia, according to a report by the Consumer Federation of America. The report found that tariffs increased an average of 48% in those states between 1989 and 2010, compared with 70.1% in states that do not review tariffs or even require companies to file notices of. pricing.

State regulations are a factor that causes auto insurance quotes to change dramatically from state to state. This can mean that the company you chose before you moved might not offer you the best deal for your new home, so it pays to shop around.

NerdWallet’s auto insurance estimate tool can help you easily compare rates.

Aubrey Cohen is a writer at Nerdwallet, a personal finance site. E-mail: [email protected]. Twitter: @aubreycohen.


Car image via iStock.




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Is the Ink Business Unlimited credit card right for me? https://cheap-solar-panels.org/is-the-ink-business-unlimited-credit-card-right-for-me/ https://cheap-solar-panels.org/is-the-ink-business-unlimited-credit-card-right-for-me/#respond Thu, 11 Mar 2021 05:38:27 +0000 https://cheap-solar-panels.org/is-the-ink-business-unlimited-credit-card-right-for-me/

With dozens of different rewards credit cards to choose from, it can be difficult to sort through all of your options and pick the right one. Understanding if a rewards card is right for you is almost always a matter of looking at your own spending habits first, and then understanding which perks, perks, and fees will give you the greatest return on your investment.

Sign-up bonus

If a high signup bonus is important to you, then the Ink Business Unlimited® credit card offers a relatively strong option: Earn $ 750 in bonus cash after spending $ 7,500 on purchases in the first 3 months after opening the account.

This bonus is all the more valuable as the Ink Business Unlimited® credit card is a free card, the bonus is therefore not offset by the money you have to pay to keep the card open.

If you are looking for an even higher signup bonus, then the Ink Business Preferred® Credit Card has this offer: Earn 100,000 bonus points after spending $ 15,000 on purchases in the first 3 months after opening the account. This is $ 1,000 or $ 1,250 cash back for travel when redeemed through Chase Ultimate Rewards®.

0% introductory APR

Another advantage over the Ink Business Unlimited® credit card comes in the form of an APR offer: Introductory APR of 0% on purchases for 12 months, then ongoing APR from 13.24% to 19.24% variable APR. This means that you don’t have to pay interest on the balance you carry on the card for the first year you have it, which can be useful if you have a large purchase to make. It is important to note, however, that if you keep a balance after the first year, you will be responsible for paying the interest on it.

A 0% APR per year is a big plus, but if you’re looking to save even more on interest, you might want to check out the HSBC Gold Mastercard® credit card who offers 0% introductory APR on credit card purchases and balance transfers for the first 18 months from account opening, then a variable APR of 12.99% to 22.99% will apply.

If you are already an Ultimate Rewards collector

Chase Ultimate Rewards has proven to be one of the most valuable and popular travel rewards programs. If you already have an Ultimate Rewards earning card, the Ink Business Unlimited® credit card could be one more to consider adding to your collection.

You can use your $ 500 signup bonus as 50,000 Ultimate Rewards points, and Chase makes it easy to transfer your points between your different accounts. In addition, your points could be of even greater value if you have a Chase rewards card that offers a redemption bonus.

For example, the Chase Sapphire Reserve® offers a 50% bonus for the points used in its travel portal, which means that your registration bonus of 50,000 points on the Ink Business Unlimited® credit card could be worth 75,000 Ultimate Rewards points if transferred to your Chase Sapphire Reserve®.

Bonus expenses

One of the most important things you should do before signing up for a rewards credit card is to examine your spending and see how it matches that card’s bonus spending categories. Traditional bonus categories include things like dining, travel, and grocery shopping.

However, if you find that the majority of your expenses do not fall into these categories, then the Ink Business Unlimited® credit card might be the right card for you. the Ink Business Unlimited® credit card does not offer any special bonus category. Instead, the card gives you 1.5% cash back on every dollar you spend.

The card also makes sense if your spending exceeds the reward limits that exist on other cards. For example, the Ink Business Cash® credit card will reimburse you 5% on your Internet, cable and telephone bills, as well as office supplies up to the first $ 25,000 you spend in these categories each year. the Ink Business Unlimited® credit card, on the other hand, has no spending limit on its bonus cash back rewards, so you never stop winning.

The bottom line

the Ink Business Unlimited® credit card is a well-balanced card that offers value through several different benefits:

  • Registration bonus: Earn $ 750 in bonus cash after spending $ 7,500 on purchases in the first 3 months after opening the account.

  • 1.5% cash back on all expenses.

All of these benefits mean it’s easy to get value for every dollar you spend on the Ink Business Unlimited® credit card.

However, if you want a 0% longer introductory period, or have high spending in the bonus categories offered on other cards, you may want to consider some of the other options we have mentioned.

How to Maximize Your Rewards

You want a travel credit card that prioritizes what’s important to you. Here are our choices for the best travel credit cards of 2021, including those that are best suited:


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T-Mobile cell phone plans – NerdWallet https://cheap-solar-panels.org/t-mobile-cell-phone-plans-nerdwallet/ https://cheap-solar-panels.org/t-mobile-cell-phone-plans-nerdwallet/#respond Thu, 11 Mar 2021 05:38:27 +0000 https://cheap-solar-panels.org/t-mobile-cell-phone-plans-nerdwallet/

T-Mobile hopes to merge with Sprint, but the deal still has several hurdles to overcome. Until then, it’s business as usual for T-Mobile customers. T-Mobile’s network is fast and reliable in urban areas, but it lags behind other operators in national and state level network testing, according to an annual RootMetrics report.

T-Mobile mobile phone plans

Unlimited plans

T-Mobile offers three main unlimited plans, as well as specialty plans for seniors and the military. You can save $ 5 per month on any unlimited plan if you opt for automatic payments. The price shown below is for one line, before any discount.

  • Essential ($ 65): standard definition video stream. Unlimited mobile hotspot data is included, but at 3G speeds which is slightly slower than the 4G data speed you get on your smartphone. International features include unlimited texting outside of the United States. International features also include calling, texting, and 2G (read: slow) data in Mexico and Canada.

  • Magenta ($ 75): standard definition video stream. This plan includes 3 GB of mobile broadband hotspot (4G LTE) data, plus a basic Netflix subscription if you have multiple lines. International features include high-speed calling, texting and 5GB data in Mexico and Canada, as well as unlimited texting and data at 2G speeds (up to 128kbps) in over 200 countries. Taxes and fees are included in the price of the plan.

  • Magenta More ($ 90): HD video stream. This plan includes 20 GB of mobile broadband hotspot data, plus a standard Netflix subscription if you have multiple lines. International features include high-speed calling, texting and 5 GB data in Mexico and Canada, as well as unlimited texting and data with speeds of up to 256 kbps in over 200 countries. It’s slightly faster than on the Magenta plan, but uploading photos and videos would still be a pain. Taxes and fees are included in the price of the plan.

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T-Mobile One Military

T-Mobile offers a reduced rate on the Magenta and Magenta Plus plans to military personnel, veterans and their families. T-Mobile Magenta Military starts at $ 60 for a line, before automatic payment discount.

Unlimited 55+

Customers aged 55 or over can get two lines of unlimited service starting at $ 65 per month; $ 55 if you opt for automatic payments.

T-mobile family plans

T-Mobile customers can have up to 12 lines on a family plan, if they’re eligible, but you’ll need to call customer service or visit a store if you need more than five lines. There is one exception: 55+ plans are capped at two lines. Learn more about T-Mobile family plans.

T-Mobile prepaid plans

T-Mobile’s prepaid plans offer monthly and pay-as-you-go options. Monthly options work much like traditional carrier plans, but they don’t require a credit check. Learn more about T-Mobile prepaid plans.

Unlimited T-Mobile plan: how it compares to the price

The prices shown are the cheapest plan when multiple unlimited plans are available. The price does not include taxes, fees or automatic payment discounts.

* Restricted LTE data download speeds. ** Prices include taxes and / or fees.


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Mike Testa appointed President of LendingUSA https://cheap-solar-panels.org/mike-testa-appointed-president-of-lendingusa/ https://cheap-solar-panels.org/mike-testa-appointed-president-of-lendingusa/#respond Thu, 11 Mar 2021 05:38:27 +0000 https://cheap-solar-panels.org/mike-testa-appointed-president-of-lendingusa/

With its sophisticated merchant portal providing quick access to affordable installment loans, LendingUSA effectively bridges the gap between point-of-need loans and direct-to-consumer loans.

LendingUSA, a leading lender in the market and provider of consumer point-of-need financing, today announced the appointment of Mike Testa, former president of CareCredit, as new president. Mike will assume his role immediately, working with LendingUSA Founder and CEO Camilo Concha to scale and grow the company’s point-of-need and direct-to-consumer finance business.

“Recent technological advancements are transforming both the personal lending and customer-oriented lending industries in a massive way,” says Testa. “With its sophisticated merchant portal providing quick access to affordable installment loans, LendingUSA effectively bridges the gap between tailored loans and direct loans to consumers,” says Testa. “This puts LendingUSA at the forefront of our rapidly changing industry. It is a privilege and an honor to be named President, and I look forward to helping LendingUSA grow in this dynamic landscape.

Under Mike’s leadership, CareCredit – a specialty credit card company focused on the health, wellness and beauty markets, has become a leader in its industry. During his tenure as President, he oversaw the exponential growth of CareCredit, growing it from $ 100 million per year to nearly $ 5 billion per year in loan volume.

“In addition to his excellent track record, Mike brings a wealth of experience and expertise that will fuel our continued growth,” said Camilo Concha, Founder and CEO of LendingUSA, “We look forward to benefiting from his customer-focused results. oriented thought as we continue our push to the top of the mountain.

About LendingUSA

LendingUSA specializes in one-off, direct-to-consumer financing solutions, with a particular focus on a wide range of optional medical services and consumer goods and services. The Company’s proprietary technology combines traditional and next-generation underwriting and fraud detection techniques to approve loan applications in real time, often in seconds. LendingUSA builds strong relationships with its merchant partners by providing them with the tools and training to deliver the right financing to customers where they need it. LendingUSA also powers an exclusive network of websites that help thousands of people each month find and obtain financing for health care and plastic surgery loans, fertility loans, dental loans, legal loans, pet loans and many other needs. All loans are made by Cross River Bank, a New Jersey state chartered bank, member of the FDIC. Loans are currently not available in Connecticut, New York and Vermont.

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What is Visa Checkout? How it worked https://cheap-solar-panels.org/what-is-visa-checkout-how-it-worked/ https://cheap-solar-panels.org/what-is-visa-checkout-how-it-worked/#respond Thu, 11 Mar 2021 05:38:27 +0000 https://cheap-solar-panels.org/what-is-visa-checkout-how-it-worked/

»Visa Checkout is no longer offered

In 2020, Visa Checkout switched to “Click to Pay”, a unified digital payment service jointly developed by Visa, Mastercard, Discover and American Express. As a result, this story is outdated. For up-to-date information, see our story on “Click to Pay”.

Visa Checkout is the Visa credit card network’s version of a digital wallet, designed to make shopping online easier. Users can store their credit and debit card information in Visa Checkout, and then quickly access that information while shopping on merchant websites or in retailer apps.

Mastercard and American Express have similar utilities, known as Master pass and Amex Express Checkout.

How Visa Checkout Works

Visa Checkout is not a mobile app, nor a payment option at checkout in physical stores, like Apple Pay or Google Pay. You can use it on websites or in apps of merchants that accept Visa Checkout.

Once you have created an account with Visa Checkout – You can do it here – you can configure your wallet to contain as many payment cards as you want. They don’t all have to be Visa cards. Visa Checkout also works with Mastercard, Discover and American Express, both credit and debit cards. For each card, you will be prompted for the card number, expiration, and security code. The app also asks you for billing and shipping addresses.

When you shop online from a retailer that accepts Visa Checkout:

1. You will see an option to use it when you are ready to pay. Look for a button similar to this:

2. Select this option and you will be prompted for a password. This opens your wallet and you select the card you want to use for the purchase.

3. Visa Checkout fills in all the necessary information automatically – no need to fumble with your physical card or worry about typing those 16-digit numbers wrong.

Visa does not appear to maintain a list of retailers that accept Visa Checkout (the link to the list on the network site Visa Checkout FAQ page was broken in August 2020).

Convenience and security

For most cardholders, the main practical benefit of Visa Checkout – and any digital wallet – is convenience. “In the world of e-commerce, consumers were faced with the problem of having to enter their information at every retail site,” said Vish Shastry, vice president of digital solutions at Visa. “We created Visa Checkout to address this problem, especially in the mobile world.”

Visa says Checkout also offers an additional layer of security. The network said in 2017 that “Visa Checkout fraud volume as a percentage of sales [was] 63% less and his fraud counts as a percentage of transactions [was] 56% lower than non-Visa Checkout volume at top Visa Checkout merchants. “

Visa Checkout provides a way to monitor transactions for any suspicious activity.

“We look at the consumer [making the transaction]Shastry said. “Is the consumer from the right country? Are there multiple connections from the same computer? When you swipe, dip or touch, we know this card was just used in San Francisco So if it is used in Florida later in the day we will know there might be a problem.

If your enrolled Visa card is compromised and you receive a new card and number, Visa Checkout automatically updates the cards. You don’t need to delete the old card and register a new one.


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Nelnet customer service: what it can do and how to contact it https://cheap-solar-panels.org/nelnet-customer-service-what-it-can-do-and-how-to-contact-it/ https://cheap-solar-panels.org/nelnet-customer-service-what-it-can-do-and-how-to-contact-it/#respond Thu, 11 Mar 2021 05:38:27 +0000 https://cheap-solar-panels.org/nelnet-customer-service-what-it-can-do-and-how-to-contact-it/

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Nelnet is one of nine companies that administer federal student loans by collecting and tracking payments. This too provides private student loans and refinancing. If Nelnet is your student loan manager, here’s what they can help you do.

  • Register to access your account online. Once you have access to it, you can contact Nelnet, access your monthly billing statements and pay your bills.

  • Sign up for automatic payment. Nelnet can automatically deduct your payments from your bank account. Signing up for automatic payment will reduce your interest rate by 0.25%.

  • Sign up for an income-based refund. You can ask income-based reimbursement, which limits your student loan payments to a percentage of your income, by filling out a paper form with Nelnet. (You can apply online at Studentaid.gov then recertify your income annually online as well.)

  • Process requests for adjournment and abstention. Nelnet can help you temporarily stop making payments or reduce your payment amount if you qualify. This helps you stay in good standing to avoid defaults. But during all periods of adjournment or abstention, interest can continue to grow.

  • Process monthly payments and additional payments. Nelnet will track and collect your payments. If you would like to make additional payments, you can ask Nelnet (online, by phone or by mail) to apply additional payments to your current balance. Otherwise, he can apply the additional amount to the next month’s payment instead.

Your loan manager is assigned by the US Department of Education when your loan is first disbursed at your college. The name of the company that sends you a federal loan bill each month is your service agent. If your loan repayments haven’t started or you’re not sure which company your manager is, log on to My federal student aid discover. You can also get in touch with one of the loan services contact centers by calling 1-800-4-FED-AID.

Service agents are there to help, but they can offer choices that are best for the business, not the borrower. This means that they cannot change the way payments are processed and may not suggest the most beneficial refund option for you. This is the most important to know your repayment options so you know the right questions to ask.

Am I stuck at Nelnet until my loans are paid off?

Loans are sometimes transferred from one provider to another by the Ministry of Education.

The Department of Education plans to change the landscape of student loan management by signing new management contracts with five companies to eventually take over loan management. This means that your loan manager is likely to change. Nelnet is expected to continue managing loans until December 2021.

You will be notified when this happens and you will manage the payments with the new server. All repairers offer the same options and programs, but customer service may differ from each other.

Otherwise, you are likely to stay with Nelnet unless you take action to change service. Use this tool to find out what might work for you.

How to reach Nelnet customer service

Nelnet contact number: 888-486-4722

Opening hours of Nelnet: Monday to Friday, 8 a.m. to 10 p.m. ET.

Nelnet address for loan repayments: You have the choice between several addresses. Choose the one that best suits your situation:

Send payments for accounts beginning with “E” to:

US Department of Education PO Box 2837 Portland, OR 97208-2837

Send payments for accounts beginning with “D” to:

Nelnet PO Box 2970 Omaha, NE 68103-2970

Send payments for accounts beginning with “J” to:

Nelnet PO Box 2877 Omaha, NE 68103-2877

Nelnet address for documents and other requests:

Documents relating to postponement, abstention, reimbursement plans or changes in registration status

Nelnet to the attention of: Processing of registrations PO Box 82565 Lincoln, NE 68501-2565

Documents relating to loan release or forgiveness requests

Nelnet Attn: Complaints PO Box: 82505 Lincoln, NE 68501-2505

Documents relating to bankruptcy applications

Nelnet Attn: Complaints PO Box: 82505 Lincoln, NE 68501-2505

How to complain about Nelnet

If you are having a problem with Nelnet that you have not been able to resolve, first file a complaint directly with its ombudsperson. It is the highest customer service desk of the service agent.

Nelnet Guarantor Solutions PO Box 82561 Lincoln, NE 68501-2561

If your problem is not resolved, you can also file a complaint about Nelnet with:

Make sure you keep records of the conversations you have, including the day, time, and the customer service representative you spoke with. Keep copies of all letters, invoices or emails regarding your account.

How to settle a dispute with Nelnet

If a complaint does not help you, you can contact the Federal Student Aid Ombudsman Group. This method should only be used as a last resort, says the federal student aid office. Complete all the information on the Ombudsman Information Checklist before contacting. When you’re ready to contact us, here’s how to contact us:

By email: US Department of Education

The Nine Federal Student Loans Services

Learn more about each of the federal loan officers, including what they can do and how to contact them.


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