Online loans – Market DCD http://market-dcd.com/ Just another WordPress site Sun, 05 Jun 2022 06:26:04 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://market-dcd.com/wp-content/uploads/2021/06/icon-2021-06-29T174343.113.png Online loans – Market DCD http://market-dcd.com/ 32 32 A Barbershop financial management app relies on Bond for BaaS and i2c for payments https://market-dcd.com/a-barbershop-financial-management-app-relies-on-bond-for-baas-and-i2c-for-payments/ Sun, 05 Jun 2022 06:26:04 +0000 https://market-dcd.com/a-barbershop-financial-management-app-relies-on-bond-for-baas-and-i2c-for-payments/ NEW YORK, NY – Photo by Bill Tompkins/Getty Images Astor Place Hairstylists. Getty Images Hair salons may not seem like a huge market, but the country has around 130,000 of them, and 20,000 use a hair salon management system called Squire. It handles online bookings, sends reminders to customers when it’s time to book appointments […]]]>

Hair salons may not seem like a huge market, but the country has around 130,000 of them, and 20,000 use a hair salon management system called Squire. It handles online bookings, sends reminders to customers when it’s time to book appointments and pays barbers even if they don’t have a bank account, and also provides them with an easy way to use the debit payments to pay for their chair rent.

Many barbers lack bank accounts and convenient access to basic financial services. As a result, they often have inconsistent cash flow and lump sum income that can lead to financial hardship, according to a case study by Bond, the banking-as-a-service (BaaS) company that provides the fintech behind Squire.

“We’re partnering with them to offer a Squire Card that allows barbers to get paid in real time, with their salary and tip going directly to the barber’s card,” said Roy Ng, CEO of Bond. In the past, many barbers had to take out payday loans to get by between paychecks. During the pandemic, many customers paid for their haircuts with cards or contactless phones, and tips often went to the hair salon rather than the hairdresser.

“For barbershops, this ability gives them a competitive edge to hire more barbers,” Ng said, “and Squire gets interchange fees for the store owner.

Squire co-founders Songe LaRon and Dave Salvant, who owned a hair salon, chose Bond to handle the financial operations, rather than taking 18 to 24 months to build their own. Bond delivered a fully compliant payment module integrated into the store’s management software within a few months.

“We chose Bond as our partner because we were confident they could launch the Squire Card quickly and successfully,” Salvant said. Squire then considers a credit card and will turn to Bond for that as well. Bond is a BaaS platform that enables organizations to integrate next-generation financial products into their existing customer experiences using i2c.

“We are an agnostic integrated financial platform,” said Roy Ng. “We partner with different technology providers, several different banks, and we work with a variety of KYC providers.”

But the only payment processor they use is i2c which provides both credit and debit payments.

“We are the only consumer BaaS whose customers live on both credit and debit,” Ng said. “Throughput is very important, really fundamental. And on the credit side, we’re happy to have trade credit customers. And we provide a credit builder card for a fintech that has over 600,000 customers.

“We currently only work with i2c. We wanted to partner with someone who can act quickly and has a strong tech stack. we selected them several years ago and are satisfied so far.”

Major banking platforms offer payments, but many have different technology for distinct products they’ve developed over the years, while i2c has a unique technology stack, explained Jim McCarthy, president of i2c. i2c Inc.

“We don’t replace the client system, we work with software companies, the software company could be a neo-bank that wants to address a certain segment, like the creative economy, for example, where their customers derive revenue from YouTube or Instagram,” McCarthy says. “And if that software company wants to build a digital bank to serve that segment, we provide a platform. We don’t replace legacy, but provide infrastructure that didn’t exist. We provide an abstraction layer that facilitate the launch of the product, and then we work with a number of banks to provide the actual regulated banking services.

The company is global, he added, with operations in Japan, Australia, the United Arab Emirates, the United Kingdom, Turkey, Mexico, Latin America and the Caribbean.

“We can support, debit, prepay as well as consumer credit, trade credit, installment and billing capabilities,” he said. “The big two have too many platforms that aren’t connected and are Cobol-based. If you can’t adapt quickly to changing market conditions, you’re in trouble. You need a modern cloud-based and simple infrastructure. We have one platform and one codebase for all the features I’ve described. »

]]>
Fintechs increase exposure to gig economy workers as inflation increases demand for loans https://market-dcd.com/fintechs-increase-exposure-to-gig-economy-workers-as-inflation-increases-demand-for-loans/ Mon, 30 May 2022 18:50:00 +0000 https://market-dcd.com/fintechs-increase-exposure-to-gig-economy-workers-as-inflation-increases-demand-for-loans/ Fintechs and payday lenders are aggressively lending to gig economy workers even as banks and large non-bank financial corporations (NBFCs) become more conservative in the space. Fintech lenders saw demand for food and grocery delivery managers with various app-based platforms jump up to 40% in Q4FY22, industry executives said. Higher demand, in turn, is fueled […]]]>

Fintechs and payday lenders are aggressively lending to gig economy workers even as banks and large non-bank financial corporations (NBFCs) become more conservative in the space. Fintech lenders saw demand for food and grocery delivery managers with various app-based platforms jump up to 40% in Q4FY22, industry executives said. Higher demand, in turn, is fueled by high inflation, which drives delivery managers to borrow more to bridge cash flow mismatches.

Lenders active in the segment believe demand stems from improving consumer trends as the pandemic recedes. Bhavin Patel, co-founder and CEO of LenDenClub, said that with an increase in consumption, the need for delivery frameworks has grown across industries for various app-based platforms.

Additionally, as the size of the workforce increases, many delivery managers are looking for small loans or payday advances and payday loans to meet their operating expenses. The increase in demand is also due to the targeting of the product to the segment,” Patel said. There isn’t enough data to determine whether a surge in inflation has anything to do with rising demand, according to Patel.

Others, however, take a gloomier view of the situation. They point out that even though the prices of fuel and other essentials have jumped, there has not been a concomitant increase in wages earned by delivery executives. To make matters worse, the increase in 10-minute deliveries has led to an increase in traffic violations and fines paid by delivery officials.

A loan to a delivery executive can be up to 30-40% of their monthly income and terms range from one month to three months. Interest rates vary between 18% and 30%. LenDen Club’s Patel says there is little reason to worry about leverage in the segment, as loans are only approved after reviewing the borrower’s credit bureau data and assessing their ability reimbursement.

Yet concerns about high leverage remain. “The money they’re borrowing now is basically bridge financing. By its very nature, it’s prone to high churn, which means the guy keeps taking out loans from new apps to pay off old ones,” an industry executive said on condition of anonymity. .

Given how precarious the finances of gig workers are, major lenders have recently backed off from financing them. Abhishek Agarwal, co-founder and CEO of CreditVidya, said banks and big NBFCS are getting cautious in the segment. “The risk perception of the segment has increased significantly over the past few months, as the cost of living has increased for them without any concomitant increase in their income. However, some fintechs and payday lenders continue to lend to gig economy workers and the interest rates on these loans are quite high,” Agarwal said.

]]>
When should you prioritize retirement savings over debt repayment? | Smart Change: Personal Finances https://market-dcd.com/when-should-you-prioritize-retirement-savings-over-debt-repayment-smart-change-personal-finances/ Sat, 28 May 2022 13:54:00 +0000 https://market-dcd.com/when-should-you-prioritize-retirement-savings-over-debt-repayment-smart-change-personal-finances/ (Christy Biber) Like most people, you have a limited amount of money and need to decide what to do with it. It can be a tough choice if you have debt you’re trying to pay off, but you’re also eager to start saving for retirement so you have financial security in your years to come. […]]]>

(Christy Biber)

Like most people, you have a limited amount of money and need to decide what to do with it. It can be a tough choice if you have debt you’re trying to pay off, but you’re also eager to start saving for retirement so you have financial security in your years to come.

So how should you decide whether to focus on paying off debt or investing for your future? Here’s what you need to know to help you make that tough choice.

Image source: Getty Images.

How to decide if paying off debt or saving for retirement is the smarter choice

When deciding whether it makes sense to pay down debt or focus on saving for retirement, there are a few things to consider. But one of the most important factors is knowing which approach will give you a better return on investment (ROI).

People also read…

You will always want to pay the minimum balance due on any debts you have incurred. But if you pay extra beyond the required payment instead of directing that money to retirement savings, your return on investment will be equal to the amount of interest saved. If you have 17% credit card debt, you get a pretty high return on investment. But if you have low interest mortgage debt of 3.50% and are able to itemize your deductions and deduct the interest paid on your home loan when you file your taxes, your return on investment is very weak.

If you invest instead of prioritizing debt repayment, on the other hand, your return on investment is the money your investments earn. But you could also get a 401(k) match from your employer, which could provide up to 100% return on investment if your company matches your contributions dollar for dollar. And you could get tax breaks for retirement investments. These tax breaks could include deductions for contributions to a 401(k) or IRA and even the Saver’s Credit which could reduce your tax bill by up to $2,000 if you are eligible and contribute the maximum. .

If you can get a better return on your investment by paying off extra debt—even after taking into account tax savings and 401(k) matching contributions—then you’d be better off putting your extra money into paying off your ready as soon as possible. But if your return on investment is better by investing, you should make minimum payments and invest the rest of your money in retirement savings.

Often, for most people, this leads to a hybrid approach. For example, you can put extra money in your 401(k) until you’ve earned the maximum employer match, then redirect the extra funds to pay off credit cards as soon as possible. Or you could work on paying off your payday loans and credit card debt before investing in an IRA, but then focus on saving for retirement rather than sending a supplement to a mortgage or to a low interest car loan.

By making a strategic assessment of where your money will best be used, you can decide where exactly your extra money belongs. Remember that you need retirement savings since you cannot live on Social Security alone. So make sure you don’t put off your investments too long for your future years. If your focus is on eliminating your debt first, be aggressive with your extra payments and check that off your list as soon as possible so you can start building a secure future.

10 stocks we like better than Walmart

When our award-winning team of analysts have investment advice, it can pay to listen. After all, the newsletter they’ve been putting out for over a decade, Motley Fool Equity Advisortripled the market.*

They have just revealed what they believe to be the ten best stocks for investors to buy now…and Walmart wasn’t one of them! That’s right – they think these 10 stocks are even better buys.

Equity Advisor Returns 2/14/21

The Motley Fool has a disclosure policy.

]]>
Meet a CEO: Marcus Lasarow of CashD https://market-dcd.com/meet-a-ceo-marcus-lasarow-of-cashd/ Fri, 27 May 2022 04:38:42 +0000 https://market-dcd.com/meet-a-ceo-marcus-lasarow-of-cashd/ We caught up with Marcus Lasarow, Founder and CEO of FinTech startup CashD, a company that helps Australian businesses reduce employee turnover through innovative payroll solutions. We talked about the disconnect between payroll and workforce management, B2B solutions, and the importance of retaining long-term employees. Marcus, you have 20 years of experience in IT, retail […]]]>

We caught up with Marcus Lasarow, Founder and CEO of FinTech startup CashD, a company that helps Australian businesses reduce employee turnover through innovative payroll solutions. We talked about the disconnect between payroll and workforce management, B2B solutions, and the importance of retaining long-term employees.

Marcus, you have 20 years of experience in IT, retail and media, how did you come to start CashD?

I have been building and deploying technical applications for over 15 years. I was heavily focused on products and services, which culminated in 2016 with the sale of CarZapp to Pickles Auctions (Pickles Ventures). CarZapp continues to dominate the B2B automotive marketplace ecosystem, having been the first comprehensive bidding and bidding platform for buying and selling through your mobile device. I then noticed a technical trend towards a focus on human capital, I researched and outsourced my services to corporate payroll, workforce management and resource solutions human. My goal was to uncover the next big opportunity in the human capital space. I found a huge issue and disconnect between payroll and workforce management when it comes specifically to validating an employee’s time worked versus time paid.

What is CashD’s overall mission and service offer?

CashD is redefining compensation by empowering companies to empower their employees to choose how and when they get paid. We bring together open banking, payroll and finance to offer a CashD On-Demand Pay solution. Employees can better align their income and expenses by accessing a portion of their accrued salary, prior to payday.

How do other prepayment providers muddy the waters when it comes to understanding the CashD point of difference and value-driven offering?

We have a very different model than a B2C model – like Beforepay and MyPayNow which are directly aimed at consumer models being extremely onerous for consumers including processors which include direct debit, loan contracts, review of bank statements and potential defaults. CashD eliminates these processors and mitigates the risk. CashD is a total digital payment platform, contracting parties of CashD are distribution partners and/or direct employers. In addition, the commercial risk inherent in CashD is greatly reduced compared to a B2C offer.

As companies grapple with the big quit, recruit top talent and retain them, how does CashD enable Australian companies to become a payroll partner?

CashD empowers employers by focusing on benefits first. Some of the benefits include:

  • Staff retention. Several research studies show that the internal flexibility of early access to salaries improves staff retention.
  • Attract and recruit new employees to fill vacancies faster.
  • Improves productivity and reduces sick leave. When staff don’t care about money, they’re more focused, productive, and much less likely to take sick days.
  • Protects staff against “sharking” payday loans, protecting your staff from the perils of unscrupulous and expensive payday lenders.
  • Improves the well-being and quality of life of staff. With financial stress removed with easy access to advance pay, your staff are happier and free to enjoy life.

In addition to the benefits above, the CashD solution offers limit and security controls in a personalized employer dashboard to protect their most valuable asset, their employees.

In your opinion, who or which companies will benefit the most from the adoption of the CashD offer?

Market adoption has been strong in contractor management companies with user profiles containing white and blue collar workers, security guards or facility workers. One could easily say that the CashD solution appeals to all workers, regardless of their sector of activity or their professional status. Our strongest alignments are our distribution partners who hold tens of thousands of registered employers and, in turn, millions of workers. Currently, CashD holds five strong distribution partnership agreements, which translates to over two million workers.

What is the biggest challenge for CashD in terms of explaining their point of difference to customers?

Our biggest challenge is educating employers on the fundamental difference between what CashD offers versus payday loans, credit advances or any personal loan tied to an intrusive high interest bearing product.

What’s next for CashD in 2022 – What does “success” look like to you?

CashD’s real motivation is to bring back the cash economy through technology. “Success” is the successful imprint of the wage revolution adopted and imprinted in today’s economy. The success of CashD will be measured by the speed at which outdated old school payroll cycles are replaced by the CashD solution.

]]>
Thousands of Amigo Loan customers move closer to compensation https://market-dcd.com/thousands-of-amigo-loan-customers-move-closer-to-compensation/ Tue, 24 May 2022 17:05:00 +0000 https://market-dcd.com/thousands-of-amigo-loan-customers-move-closer-to-compensation/ THOUSANDS of Amigo Loan customers are about to get their money back. Amigo has been accused of providing unaffordable loans, which customers could not repay – but they are now closing in on the compensation they are owed. 1 Amigo customers are about to get their money backCredit: Getty Hearings were held on May 23 […]]]>

THOUSANDS of Amigo Loan customers are about to get their money back.

Amigo has been accused of providing unaffordable loans, which customers could not repay – but they are now closing in on the compensation they are owed.

1

Amigo customers are about to get their money backCredit: Getty

Hearings were held on May 23 to approve the new business program that Amigo had planned to reimburse its customers.

Commenting on the outcome of the hearing, Gary Jennison, Chief Executive Officer of Amigo, said: “We are delighted that the Court has decided to give creditors the opportunity to maximize their Amigo relief payments.

“The Court’s decision is good news for creditors, customers and employees, and it brings us closer to compensation and allows us to put an end to the mistakes of the past.”

We asked debt expert Sara Williams, who runs consumer advice blog Debt Camel, what that means next.

Young people in debt after receiving insufficient financial education, survey finds
Can I refuse entry to ushers?  Your rights if you are contacted by energy debt collectors

She said: “Now that the court has approved the Amigo program, the next step is for Amigo to announce the start of the program and set up a page where customers, borrowers and guarantors can enter a claim.”

If a borrower is successful at that time, they will receive a portion of the interest they paid, which can be as high as 41%.

But most complaints will be about affordability, Sara explained.

She said: “An Amigo loan is only affordable to the borrower if, at the time the loan was made, the borrower was likely to be able to make all necessary repayments while being able to pay his other debts, bills and living expenses, without having to borrow my more.

“Many people will have been desperate to protect their guarantor, perhaps they got payday loans, increased their credit cards, or fell behind with bills to pay Amigo.

“So even if the Amigo loan was repaid on time, it may still have been unaffordable.”

Amigo warned last year that it could collapse under the weight of customer demands for refunds.

The lending company was founded in 2005, offering loans of up to £10,000 over 12 to 60 months at an interest rate of 49.9% to borrowers typically turned away from traditional lenders.

It would also provide loans to those with bad credit history as long as a friend or family member agrees to repay if they cannot.

But in March 2020, the company’s founder claimed customers had received “irresponsible” loans.

That’s what started the wave of claims en route to thousands of customers after this latest update.

But even if the program has been approved, customers will still have to wait for Amigo to set up a complaints page.

Once it goes live, they may only have six months to act according to Debt Camel.

You can still claim, even if you have repaid the loan, if you had trouble making the payment at that time.

If you always pay your debts, you can always complain if you have trouble paying the bundle of money.

Mum turns boring MDF into epic kids' bunk beds - but trolls weigh in
I'm a makeup artist - the mistakes that make you look OLD and the techniques to avoid

To file a complaint with Amigo, you should contact us as soon as possible.

Send a short email to hello@amigoloans.co.uk with COMPLAINT in the subject.

We pay for your stories!

Do you have a story for The Sun Online Money team?

]]>
Biggest Innovation in Employee Benefits Market with Top Key Players – Unum, Aon, Thomsons Online Benefits, Beroe, Willis Towers Watson, BAS, Mercer, FMP Global, PwC, Capita, Deloitte, Pensionsync, Quantum Advisory, Headspace, Reward Gateway, Perkbox https://market-dcd.com/biggest-innovation-in-employee-benefits-market-with-top-key-players-unum-aon-thomsons-online-benefits-beroe-willis-towers-watson-bas-mercer-fmp-global-pwc-capita-deloitte-pensionsync-qua/ Sun, 22 May 2022 23:13:56 +0000 https://market-dcd.com/biggest-innovation-in-employee-benefits-market-with-top-key-players-unum-aon-thomsons-online-benefits-beroe-willis-towers-watson-bas-mercer-fmp-global-pwc-capita-deloitte-pensionsync-qua/ Employee Benefits Market Report Coverage: Key Growth Drivers and Challenges, Regional Segmentation and Outlook, Key Industry Trends and Opportunities, Competitive Analysis, COVID-19 Impact Analysis and Projected Recovery, and Market Sizing and Forecast. Latest research launched on Global Benefits market, it provides a detailed analysis with presentable graphs, charts and tables. This report covers an in-depth […]]]>

Employee Benefits Market Report Coverage: Key Growth Drivers and Challenges, Regional Segmentation and Outlook, Key Industry Trends and Opportunities, Competitive Analysis, COVID-19 Impact Analysis and Projected Recovery, and Market Sizing and Forecast.

Latest research launched on Global Benefits market, it provides a detailed analysis with presentable graphs, charts and tables. This report covers an in-depth study of the Employee Benefits market size, growth and share, trends, consumption, segments, application and forecast 2030. Through qualitative and quantitative analysis, we help you to carry out an in-depth and comprehensive research on the Global Employee Benefits Market. . This report has been prepared by experienced and knowledgeable market analysts and researchers. Each section of the research study is specially prepared to explore key aspects of the global Employee Benefits Market. Buyers of the report will get access to accurate PESTLE, SWOT, and other type analysis on the Global Employee Benefits Market. Moreover, it offers highly accurate estimations on CAGR, market share, and market size of key regions and countries.

Major Key Players profiled in the report include:
Unum, Aon, Thomsons Online Benefits, Beroe, Willis Towers Watson, BAS, Mercer, FMP Global, PwC, Capita, Deloitte, Pensionsync, Quantum Advisory, Headspace, Reward Gateway, Perkbox

Download a free sample PDF including the COVID19 impact analysis, full TOC, tables and [email protected] https://www.maccuracyreports.com/report-sample/205890

Don’t miss the trading opportunities in the benefits market. Talk to our analyst and get key industry insights that will help your business grow when you create sample PDF reports.

Segmental analysis:
The report has categorized the global employee benefits market into segments comprising product type and application. Each segment is assessed based on its share and growth rate. Additionally, analysts have studied potential regions that could prove rewarding for benefits makers in the coming years. The regional analysis includes reliable predictions about value and volume, helping market players to gain in-depth insights about the overall Employee Benefits industry.

Market is split by Type, can be split into:
Disability insurance, life insurance, accident insurance, critical illness insurance, hospitalization insurance, dental insurance, vision insurance.

The market is split by Application, can be split into:
Large company, SME

Access full report description, table of contents, table of figure, graph, etc. @ https://www.maccuracyreports.com/reportdetails/reportview/205890

The report authors have analyzed the developing and developed regions considered for research and analysis of the global Employee Benefits market. The regional analysis section of the report provides in-depth research study on different regional and country-level Employee Benefits industries to help players plan effective expansion strategies.

Regions Covered in Global Employee Benefits Market:
• North America (US, Canada)
• Europe (UK, Germany, France, Italy)
• Asia Pacific (China, India, Japan, Singapore, Malaysia)
• Latin America (Brazil, Mexico)
• Middle East and Africa (Kuwait, Saudi Arabia, Egypt)

Years Considered to Estimate Market Size:
Historical year: 2019-2020
Base year: 2021
Estimated year: 2022
Forecast year: 2022-2030

What market dynamics does this report cover?
The report shares key information on:

  • Current market size
  • Market forecasts
  • Market opportunities
  • Main Drivers and Constraints
  • Regulatory scenario
  • Industry trend
  • New product approvals/launch
  • Promotion and marketing initiatives
  • Price analysis
  • Competitive landscape

It helps companies make strategic decisions

Please click here today to purchase the full report @ https://www.maccuracyreports.com/checkout/205890

MR Accuracy Reports is the world’s largest publisher and has published over 2 million reports worldwide. Fortune 500 companies work with us. Also help small players to know the market and focus on advice.

]]>
Coupon App Provider Ranking Sees Competitors https://market-dcd.com/coupon-app-provider-ranking-sees-competitors/ Fri, 20 May 2022 18:56:19 +0000 https://market-dcd.com/coupon-app-provider-ranking-sees-competitors/ Their job is to conduct a tough negotiation, so it is not surprising that there is good competitiveness and a change of position among competitors in the latest edition of PYMNTS’s coupon app provider rankings. Highlights from this month include a new leader at the top of the standings, two movers who have added five […]]]>

Their job is to conduct a tough negotiation, so it is not surprising that there is good competitiveness and a change of position among competitors in the latest edition of PYMNTS’s coupon app provider rankings.

Highlights from this month include a new leader at the top of the standings, two movers who have added five points to their scores since last time out, and several other contenders who have changed positions – gaining or losing a spot.

Let’s see how things look now.

The Top 5

The new leader this month is Honey Smart Shopping Assistant. This app jumped two levels in the rankings and landed here with a score of 86. As this score is four points higher than last time, it’s also a mover and shaker.

The previous champion, however, is only one point behind, as Groupon scores 85.

Moving up one position at #3 is Flipp. This app registers with a score of 82.

Just one dot behind is GasBuddy. With a score of 81, this app has slipped down one level in the rankings since the last time and now sits at #4.

Last month’s runner-up fell three places, as Ibotta now sits fifth in the standings with a score of 79.

Top 10

GoodRX, which is now ranked sixth with a score of 74, is down a level from last time.

Receipt Hog also landed a position lower since last month. This app is now in 7th place with a score of 63.

Continuing the recent trend, Rakuten fell one position to eighth place, this time with a score of 60.

Shopkick is in 9th place, like last time. With a score five points higher than its previous one – now at 54 – this app is one of this month’s top movers and shakers.

There’s another household name in the tenth spot, as Slickdeals maintains the same position it had last time. With a score of 48, five points higher than last time, this app shares the title of “top mover and shaker”. It also closes this month’s edition of the Coupon Application Providers Ranking.

——————————

NEW PYMNTS DATA: THE TRUTH ABOUT BNPL AND STORED CARDS – APRIL 2022

On: Shoppers who have store cards use them for 87% of all eligible purchases – but that doesn’t mean retailers should start buy now, pay later (BNPL) options at checkout. The Truth About BNPL and Store Cards, a collaboration between PYMNTS and PayPal, surveys 2,161 consumers to find out why providing both BNPL and Store Cards is key to helping merchants maximize conversion.

]]>
this is definitely an open world game https://market-dcd.com/this-is-definitely-an-open-world-game/ Wed, 18 May 2022 13:55:07 +0000 https://market-dcd.com/this-is-definitely-an-open-world-game/ JThe first thing we are shown is an overview of the new Saints Row‘s Santo Ileso, “a dense open world that rewards exploration”, divided into nine districts. The gangs lift tire weights on street corners and party around inflated cars, and a Ferris wheel is tilted on the outskirts. The Saints don’t exist when the […]]]>

JThe first thing we are shown is an overview of the new Saints Row‘s Santo Ileso, “a dense open world that rewards exploration”, divided into nine districts. The gangs lift tire weights on street corners and party around inflated cars, and a Ferris wheel is tilted on the outskirts. The Saints don’t exist when the game opens, we’re told, they’re roommates from rival factions, brought together by a need to make rent. Connect, Millennials! Why aren’t you in a relationship!

We cut to two of the Saints, Eli and the customizable protagonist, Protag if you will, leading to the Others meeting. Eli listens to a self-help podcast. Protag reproaches him for having listened to him. They all reunite, pull out their guns, and take a cool walk to the payday loan company they’re planning to rob. “Walk away,” said one, holding the security guard at gunpoint, “or the phrase ‘dead end job’ becomes literal.” I won’t quote all the dialogue, but it’s a pretty good indicator of the tone going forward. Draw your own conclusions.

Robbery done, it’s time for a car chase. The New Mexico-inspired city streets are colorful, though empty and lifeless. A train cuts our car on the way to the switch vehicle, and we wait for it to pass, a meme about obeying the rules of the road in GTA inexplicably transformed into decor. After the train passes, police cars appear and we are introduced to the “side swipe”, a defensive driving maneuver that violently drives away pursuers. The vehicular combat seems to have neat physics, with police cars colliding, crashing, and eventually exploding with satisfying force.

Saints Row. Credit: Deep Silver Volition

Shaking off the cops, Protag arrives at the lot housing their getaway car, only to find it has been claimed by gang members from Los Panteros. Our protag pulls out a gun and the fight begins. If enemies are level limited to the recent Assassin’s Creed games is unclear, but some of these enemies take multiple clean headshots to go down, which is monumentally unsatisfying to watch. Crouching for cover and a defensive roll complete a wheel of weapons currently filled with reliable oldies. Next, we’re shown “The Pineapple Express,” as our protag sticks a grenade through an enemy’s back and throws it towards a truck, which then explodes with more of those satisfying physics. We are shown a few scrum finishers; creative and elaborate, but a little too long to feel like a natural part of the combat flow, before our protag escapes on a dirtbike over the desert dunes.

Next, we’re shown customization and emotes, including a truly hilarious guitar strut that wows a crowd of nearby pedestrians. Customization is extensive, allowing for all the body, voice, and clothing changes that someone who isn’t quite sure what type of game they want to play, but knows they like to be lightly entertained by fun hats, might want. Then our protag throws explosives at an armored truck – one of the ambient activities – and retrieves piles of cash from the ground, before getting into another shootout with cops. There’s a weirdly psychotic and dissociative vibe to all of this when paired with all the colorful, weird dancing emoticons, like looking at a TikTok category for snuff movies.

A “side hustle” ensues. The open world uses the familiar formula of main, side, and ambient missions, with vehicle shenanigans and other creative traversal options tying them together. We ride a shotgun for a bored housewife who pulls off a robbery for funsies, fending off pursuers from the passenger seat. You also have the option of climbing on top of the car, for increased vulnerability but a wider arc of fire. There are apparently plenty of opportunities to spend the money you get from these side missions, but we’re mostly shown clothing purchases, as well as hideout and car customization options. These play into the traversal aspects, with ejection seats, wingsuits, and the like.

Saints Row
Saints Row. Credit: Deep Silver Volition

Next, we’re shown a mission where Protag (now a beefy cowboy thanks to power customization) has joined fellow countryman Saint Neenah in destroying a rival gang’s vehicle forge. They steal an incredibly well-armed helicopter, take it to the forge, shoot cars, and then enter. We are shown active skills and passive perks, which you can integrate and remove depending on the mission. We follow the Saints through a warehouse, blowing up cars and exchanging gunfire with gang members. There’s a sniper rifle at one point and, let’s praise it, it shoots headshots, just as God intended. Forge blown up, the pair escape, then enjoy a few completion rewards: money, XP, a new car, and a helipad for HQ.

Saints HQ is an abandoned church that doesn’t start with cash, but gets more lavish as you progress through the game. You can customize cars, guns, your crew , your clothes and everything else from here. You can also manage your empire from the new War Table, a management minigame-like offering that lets you buy properties to unlock activities like district takeovers, chopshop, and cheat to insurance. Then these lovable, trouble-free millennials start selling weapons, which unlocks Mayhem gameplay. “Everyone and their grandmother is using guns these days. We need a killer pitch! “.

It’s here that we’re shown the “in, out, untethered co-op” as one of the devs in a helicopter hauls the other into a car via a magnetic winch, then dumps them near from the start of the mission. A completely natural, unscripted pattern ensues, and the mission kicks off: classic open-world style destruction for score multipliers. It all sounds suitably cathartic, if a bit lifeless.

Saints Row
Saints Row. Credit: Deep Silver Volition

Finally, we are shown a story mission. Saint Kevin is kidnapped by a gang called the Idols – anarchists dressed in neon pink – so it’s time to rescue. We follow Kevin’s trail to a saloon, where a fight with the idols ensues. We’re shown a few additional abilities, like a shield that electrocutes enemies that hit you and a charged flaming fist. Melee combat follows the trend of looking colorful and chaotic, with some interesting abilities, but too loose and flabby to feel truly satisfying. Well-hit idols, the protag searches for someone to interrogate on Kev’s whereabouts, finds some unlucky guy in a portaloo and drags him through his car for a bit, knocking over tents at an enemy camp. This continues until a meter fills up and the restroom friend abandons Kev’s location.

We scale a tower, disarm bombs and shoot idols, and untie Kev from a chair at the top, before wingsuiting down a resort for revenge. Here we’re shown some of the game’s most interesting weapons and abilities. The “Thrustbuster” is a throwable sticky grenade that launches enemies into the air, and the “Quantum Aperture” not only lets you see at through walls, but also to shoot through them. There’s a ‘Piñata’ launcher, which is basically a grenade launcher with added confetti and foam hand guns. We shoot some more, save Kev, and the demo ends. So far the best thing to say about Saints Row is that it feels like a solidly crafted open-world game with some creative twists and a very specific tone. Maybe that tone is for you, and maybe they’ll sort out the headshots in time for the game’s full release in August.

Saints Row will be released on August 23 this year on PC, PS4, PS5, Xbox One and Xbox Series X|S.

]]>
What if you can’t pay the medical bills? https://market-dcd.com/what-if-you-cant-pay-the-medical-bills/ Mon, 16 May 2022 14:05:55 +0000 https://market-dcd.com/what-if-you-cant-pay-the-medical-bills/ Are your medical bills and overdue notices piling up on your table? You might be tempted to throw them all away, but that won’t be the best solution. You can’t pretend your debt doesn’t exist even if you think you can’t afford to pay it back.About 61% of consumers with medical debt reported feeling stressed, […]]]>

Are your medical bills and overdue notices piling up on your table? You might be tempted to throw them all away, but that won’t be the best solution. You can’t pretend your debt doesn’t exist even if you think you can’t afford to pay it back.
About 61% of consumers with medical debt reported feeling stressed, while 49% lost sleep over medical bills and 23% were unwilling to repay existing medical debt. Do not give up repaying this debt. Here’s what happens if you don’t pay your medical bills.

What happens if you don’t pay your medical bills?

You will feel stressed

Of course, getting a $200 payday loan without a credit check can be a suitable solution to cover your medical expenses without a credit check. But if you already have a mountain of medical debt that you can’t handle, you might be afraid of phone calls and collection offices.

Some collection agencies have aggressive tactics to return the money unless you write letters begging them to stop these behaviors or find a lawyer to protect you. You may want to offer a reasonable monthly payment and negotiate this arrangement with the doctor’s office or hospital.

Having to apply for payday loans for this purpose also brings added stress. According to research on payday loans in America, most borrowers use payday loans to fund their living expenses over the course of months, while the average borrower is in debt for about five months a year.

Research shows that the first time consumers took out a payday loan, 69% used it to cover utilities, rent or credit card bills, while 16% used it as help with medical bills or auto repair.

Invoices can go to collections

You should take immediate action if the hospital billing department threatens to send your bills to collections. Medical bills on your credit report will seriously hurt your credit rating. You may need to work with the doctor’s office or hospital billing department if you want to avoid having your account sent to the collection agency.

Your credit rating may suffer

The health care provider may not send your account to collections. However, this does not mean that the result will be positive. The hospital may report missed or late payments to credit reporting agencies such as Equifax, Experian, or TransUnion.

Are Medical Bills Affecting Your Credit? Yes, once this information appears on your credit report, it goes into the Payment History category. This category accounts for 35% of your credit rating, so it can significantly lower your rating.

You can find a suitable solution

You should do your best to think about a settlement, payment plan, or some type of arrangement between you and the doctor’s office. The sooner you find a suitable solution, the more likely you are to avoid going to collections or lowering your credit score.

You can get a credit card with a 0% introductory APR for a long time. This option also depends on your credit rating, your ability to repay debt on time, and other factors.

It is possible to buy additional time

Did you know that credit reporting agencies must wait 180 days before posting outstanding debt on your credit report? They count 180 days after receiving information about your unpaid medical debt. In other words, you still have a six-month grace period to try to negotiate that debt and settle it. Otherwise, it will show up on your credit report and damage your rating.

Is a medical loan right for you?

Many people decide to take out a personal loan or a medical loan to finance their bills. It is important that you define whether applying for a medical loan can be a beneficial decision in your situation. It is useful if:

You can afford monthly payments

Many loans can be repaid in monthly installments or installments. If you calculate the total loan amount and it can easily fit into your budget, you can withdraw that money. Make sure you fully understand the loan terms and APR, and get a decent interest rate.

You consolidate your medical debt

Some consumers have high-interest medical bills that want to be consolidated. This decision will help you get a lower interest rate, manage your monthly loan payments, and pay off debt faster.

Do not take out a medical loan if:

You qualify for special programs and grants

Consumers, who are eligible for assistance from government programs, grants, and charities, may not need to apply for a medical loan. Look for alternative solutions or ask your hospital for a hardship plan before you decide to take out a loan.

High APR

Borrowers with poor and fair credit (FICO score below 689) may get a high creditor APR. As a result, you will have to pay higher interest rates and the total loan sum might not be affordable for you. If you calculate the total amount and find it too expensive with APRs above 36%, it is better to look for other options.

to summarize

You cannot neglect your medical debt. If you have a pile of medical bills, you need to find a proper way to get rid of them. Negotiating a hardship plan with your doctor’s office or taking out a medical loan can save you the stress of the unpleasant consequences of non-payment.

If you don’t pay your medical bills on time, your debt can be collected while your credit score can take a big hit. If you want to maintain good credit and protect your credit history, follow our advice and think about the best solution for your current financial situation.

]]>
Virginia Court Approved $489 Million in Aid for Victims of Illegal Internet Payday Loans https://market-dcd.com/virginia-court-approved-489-million-in-aid-for-victims-of-illegal-internet-payday-loans/ Sat, 14 May 2022 13:20:37 +0000 https://market-dcd.com/virginia-court-approved-489-million-in-aid-for-victims-of-illegal-internet-payday-loans/ RICHMOND, Va. (WRIC) – The federal court in Richmond has given preliminary approval to a class action settlement that would provide $489 million in relief to victims of illegal internet lending. The ruling was released Thursday, May 12, and will affect approximately 555,000 consumers who have been charged more than 600% interest on loans by […]]]>

RICHMOND, Va. (WRIC) – The federal court in Richmond has given preliminary approval to a class action settlement that would provide $489 million in relief to victims of illegal internet lending.

The ruling was released Thursday, May 12, and will affect approximately 555,000 consumers who have been charged more than 600% interest on loans by predatory internet payday lenders.

Litigation against predatory lenders began more than three years ago when a coalition of law firms, including the Virginia Poverty Law Center, Kelly Guzzo and Consumer Litigation Associates, came together to address the ongoing challenge of lending illegal wages.

“These law firms have taken the illegal lenders to court,” said Jay Speer, executive director of the Virginia Poverty Law Center. “We are very grateful for their tenacity and passion in engaging in this three-year fight for today’s settlement.”

Today’s settlement is one of many these law firms have secured with illegal internet lenders in recent years, including a $433 million settlement in 2019.

The proposed settlement provides $450 million in consumer debt forgiveness that will be paid in cash for most consumers.

The settlement will also set aside $39 million for the creation of a common fund for those who have repaid illegal amounts.

Settlement Class Members will not need to submit a Claim Form and will receive notice by email or US mail.

In addition to litigation, VPLC helps borrowers through the organization’s predatory lending hotline to 866-830-4501 and advocating for better laws to protect borrowers.

]]>