yes we all hate bill collector phone calls but ngl since we are neck deep & sinking fast in the recession folks aren't ready to acknowledge yet, and those call center employees have begun having to/being able to work from home, I gotta say, the calls have been a lot more mellow... we're all broke! we're all broke! take care! be well! stay safe!

I feel like there's two parts to the no fly list leak that are getting overlooked right now

1) the person in question has the handle "maia arson crimew" meaning media outlets have to cite "crimew" as the person they're quoting, which is amazing.

2) From everything I've read, crimew didn't actually commit a crime (in this case at least). According to crimew, the no-fly list was discovered on a publicly accessible server, totally unsecured. crimew was using Shodan which is a totally legal tool regularly used by a lot of the security community for research. Schools use and provide access to Shodan, it's a normal tool. Nothing crimew was doing was out of the ordinary. Her access and use of the file was most likely legal (or at least next to impossible to prosecute), given that it was publicly accessible.

crimew even notified CommuteAir of the data vulnerability. Which prevented more sensitive data from leaking, and was absolutely a sign of acting in good faith. Her obligation to even do that is a pretty gray area, but she did it anyways.

Now, crimew has gotten charged by the US in the past for other things, however, Swiss citizens cannot be extradited against their will. So the proceedings were suspended. She could only be charged under Swiss law, and given that the data is/was publicly accessible and the exposure was for public good, that's very unlikely to happen.

The people actually getting investigated by congress/the FBI/the TSA are the idiots at CommuteAir that were hosting the no fly list on an unsecured publicly accessible server. They're the ones who actually get in trouble for failing to have followed basic security protocols. They're the ones who had a legal obligation to safe guard that data, and they're the ones who fucked up.

I feel like I'm under obligation to ask, after my midnight banana bread incident, how would the M6 react to the apprentice having random bursts of inspiration to bake after dark?

The Arcana Mini-HCs: When MC bakes after dark

Julian: he couldn't sleep either, he's going to come huddle on the couch and nurse the bags under his eyes until the sounds and smells of you baking lulls him to sleep, just as you're about to finish

Asra: they are even less capable of controlling their impulses and curiosity when they're tired. he's going to ask to bake with you. say yes at your own risk, because it won't be what you planned if you do

Nadia: unless there's a pressing issue to take care of, she's sleeping. don't be surprised if her first move in the morning is to smell your hair for any lingering traces of baked goodness so she can ask for some

Muriel: he is out like a light. deeply asleep. will not stir unless you try to wake him up. he also melts every morning that he wakes up to home made treats on the table, and your flour-dusted face in bed

Portia: she'll try to stay up with you, but she's not as much of a night owl and will get grouchy if it's too late. she's also a good baker herself which means you're about to be told a million ways to improve

Lucio: yes. especially if you're making cookies. oh no, you're out of butter and it's the middle of the night? he'll run out into the dark and go looking for an unsecured pantry to leave some coins in

On How To Live Your Life Alone

For Lockwood & Co. Angst Week Day four: Miss Missing You | loneliness ; @lco-angst-week

Also Posted on AO3

TW: Depression, Suicidal Thoughts, Grief

The house was empty. Lockwood was alone and it was so much colder than he thought he could bear.

Lockwood awoke with his pillow clutched tightly to his chest. It was the closest he came to a hug nowadays; he was utterly alone.

The house was too big for him, the emptiness so oppressive he kept most of the doors shut to create the illusion that he was inhabiting a much smaller space, not his family’s home. 

It did not matter anyway, they were dead and he was the only one left. That thought turned him frigid from the inside out, a cool whisper of death creeping up his spine and settling in his skull, whispering he’d be better off dead as well. 

There was no remedy for the ever present chill in him and he feared he’d never get warm again. Did he fear it, though? No. He wished the freezing claws of death would take up permanent home in him and lead him back to the people he’d lost.

The house was empty. Lockwood was alone and it was so much colder than he thought he could bear.

It was tempting to remain lying in his bed until darkness — blissful oblivion — overtook him once more. There was a semblance of warmth here, the illusion of a soft embrace, but Lockwood was never one for self indulgence, so he heaved himself up. 

Immediately he felt the chill settle, seeping deep into his bones. It felt like a physical pressure being placed upon his chest, turning his breaths heavy, arduous and bitingly cold. Lockwood got up anyway.

He did not know why he bothered. There were no responsibilities for him to take care of — none he truly cared about anyway — and he had no obligation to anyone. He was alone in the world, deserted. 

This gave him the freedom to do as he pleased, Lockwood supposed. 

There was no one to lecture him, no one to teach him better. No one would care about what he did, whether he put the empty cup of tea on the counter or washed it up, whether he locked the front door with all the appropriate latches or left it invitingly unsecured — no one would care whether he lived or died.

And although the thought made his heart constrict painfully, leaving the taste of ash, decay and death on his tongue, it felt oddly soothing as well. 

He was entirely untethered to the world around him and the calmness that replaced the frantic terror of facing it all alone — when Lockwood reminded himself he could simply choose not to anytime — turned into a stonier and deeper apathy with every passing day. 

Whatever he chose to do, it would hurt no one but himself. And heaven knew he deserved it. Why? Because he was alive and they were not. 

So he left the empty cup of lavender tea on the counter because no one would care. He left the front door unlocked because he hoped for someone — dead or alive — to haunt him down and spare him the trouble of taking the knife in hand himself. 

After all, what did it matter? He was alone in the world. 

But he was not dead yet — had not been able to muster the courage yet, coward! — which meant he had to take care of himself somehow. That was the hardest part, living.

Lockwood had to cook for himself, which meant he barely cooked at all, opting instead to go for a cup of tea or skip meals altogether. 

The frailness his body began to take on, a skinny and lanky form that would stay with him permanently from now on, was of no concern to him and if his face turned drawn from the lack of nourishment he did not mind. He would die soon anyway,

What was there to live for in a world so haunted?

His very own house was haunted with the echoes of his family. When he was particularly desperate, he could hear their voices echoing through the halls. 

Sometimes they called out to him, praising him, telling him of how strong he was, how brave — but the praise rang hollow. He was still alone.

Most times, they called for him to join them — Come, Anthony. Be truly free at last — and scared him more than anything he had left to fear. Because when he did not, the voices turned harsh, taunting him, cursing him, screaming that he was worth nothing now, since he was all alone. 

He knew that already, of course, but it was a different thing to hear it said in his mother’s voice.

Sometimes he wondered if grief had turned him mad and found no decisive answer. It seemed clearer every day, however. When he was reminded with every waking moment of his loss, of the void his life had turned into, he felt mad hysteria whisper to him. 

There was no one to hold him after a nightmare, reassure him that ‘it was only a dream, Anthony.’ No on to comfort him after an anxiety attack, when his chest constricted enough he was sure there was a steel grip around it, choking him and making his heart drum violently. No one to talk him down from a panic attack, when there was not enough air in the whole of London and he could not shake off the cold claws of wrong, leave, hide burying into him.

He had to face it all alone. And he was so very tired of it all.

“I wish I were dead,” Lockwood declared to no one in particular, staring at the family photo on the wall opposite him. There was one picture left in the living room. He had cleared out all the rest. The oppressive feeling of loneliness every time he had stepped into the living room to be engulfed in the cold dead strings of past family happiness were enough to make him spiral for days on end. Now he did not have to look at them.

He wished there was someone left. Anyone he could share his grief with. Anyone who would understand his loss. But there was no one here. 

And there was no need for him to be, either. 

Untethered. Unbound. Free, at last, from everything.

The bottom of the Thames had never been such an alluring place to be. I wish I were dead. 

Lockwood closed his eyes, the family picture had been burned onto his eyelids ages ago. He imagined himself jumping, falling, drowning — water flooding his lungs and choking him, burning from the inside out and making him feel warmth he had long since been lacking — hollow, freezing, alone. 

No one would care either way.

And neither should he, but he could not die yet. Something would not let him, so he had to endure, keep breathing, keep living.

And it was only a vague sense of duty that made him get out of bed at all in the morning, lounging on the sofa all day staring at the ceiling until it was evening and he retired to bed again instead of going out — leaving the home that had felt more like a grave since their passing and take the leap over the railing.

He could not yet do it because he had decided to give it — life, living — one last shot. 

The last ditch effort to save himself, make something of his life and not waste away completely, was his own agency.

And against all odds, it worked. 

There was Lucy, there was George and he was settled, content, happy even. 

For a time at least.

He should have known the cold would not stay away forever. He should have known that once the claws of loneliness had buried themselves into him — his body, mind and soul, marking him for all eternity — he would not escape them fully ever again in his life.

Lucy had left for a few days, saying something about visiting an old friend of hers. Lockwood did not know she had any friends worth visiting from her time before Lockwood & Co. but he did not press her. So she left.

George had gone to visit his mother for her birthday, opting for a physical congratulation because of her deteriorating health. They did not know how long she had left and George wanted to spend time with her properly before the inevitable. So he left.

Where did that leave Lockwood? Alone. 

And when they went they took the warmth they had gifted him with them, a setting chill remaining in their wake. 

There was no place where the other side called to him quite as desperately as his parent’s grave and while he gazed upon their headstone, he wished his name would be on it, too. 

It was the loneliest place in the world for him, their grave at the cemetery, because he was the only one grieving them. He was the only one left. 

Alone, until the end at last. 

Direct Lender Short Term Loans UK: Get the Money with Just a Simple Qualification

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Are you able to make the monthly payments?

It is true that if you take out a same day loans UK, you will just have to pay back one payment each month as opposed to numerous that can have different due dates. Still, you have to think about the bottom line. You still owe money even though debt consolidation loans could be less expensive than paying off several different loans or obligations. You must still withdraw the appropriate amount each month from your bank account on schedule.

might you pay a certain amount each month, or might it change?

This could vary based on the kind of loan you take out and the conditions of that short term loans direct lenders. Loans with variable rates could have lower figures than those with fixed rates. They do, however, provide you with the assurance that you always know how much you must pay each month. This might work better for you in uncertain times when you have other expenses and bills to consider. Whether you're considering secured or unsecured loans, always consider all your options before applying for anything.

For example, you should make sure you don't accrue debt on credit cards or retail cards again if you take out a loan to pay off an existing, more costly loan as well as one or more balances on such cards. Although it's tempting, doing this could increase your debt. Your goals when consolidating debt are to pay off debt faster, pay off less interest, and make smaller monthly payments. All of these things are possible for you, but only if you approach them sensibly.

Direct Lender for Short Term Loans UK: Loan Assistance from the Responsible Direct Lender

Your savings account is likewise depleted, and you don't have enough cash in your pocket. On the other hand, at the middle or end of the month, financial problems suddenly appear at your door without warning; the issue is that you are unable to postpone these urgent financial requirements. Without a doubt, you should look for outside financing sources to apply for a short term loans UK direct lender so that you can promptly pay for your expenses.

Please relax! You can apply at any moment for short term loans UK direct lender in the United Kingdom to get the money you need. To send him the relevant information about your loan, you must go to the online loan store and identify the finest direct lender. To apply for short term cash loans, simply complete out a short application form with your real information on it, and then submit it online for validation. In the shortest amount of time, the funds are paid straight into your bank account if the information is verified to be valid.

Everybody who is over the age of 18 and works permanently for any corporation in the United Kingdom. Then, customers can apply for short term cash loans and receive a cash advance of up to £1000 with a two-to four-week flexible payback period. Since there is no credit check involved, the interest rates on the loan are a little bit high. Additionally, you are free to use the funds to satisfy a variety of financial obligations, including paying for household expenses, credit card payments, medical bills, power bills, grocery store bills, home loan repayments, car repairs, and so on.

Why would I require a Short Term Loan from Classic Quid?

Since planning isn't always simple in life, we at Classic Quid think that every adult should have access to a short term loans direct lenders when they truly need one. We want you to know that you can come straight to Classic Quid to acquire the money you need to get by if you have an unexpected bill and a few weeks until your next payment.

We are aware that even adults with poor credit occasionally require small amounts of money, whether it is for an unexpected trip to the bank or because your car breaks down. And we stand behind those people.

Our goal is to assist folks who actually require short-term financing. We are aware that unforeseen events can occur in life, and that having poor credit does not always preclude the need for a short term loans UK. When you can't afford the money you need, what do you do? If you ever had a financial emergency, it would be wonderful to be able to access your savings or bank account, wouldn't it?

Sadly, it's not always feasible to do this. You must discover an alternative solution to your financial issue if your UK bank account is empty and you have no savings to fall back on. Saving money for anything you need is a good idea if time isn't of the essence.

Get flexible and low interest rate personal loan

Get flexible and low interest rate personal loan

In today's fast-paced world, financial flexibility is often essential. Whether you want to consolidate debt, cover unexpected expenses, or fund a dream vacation, personal loans can provide the necessary financial support. This comprehensive guide will walk you through the ins and outs of personal loans, helping you make informed decisions about borrowing money. Arenafincorp is the top-notch financial company in jaipur

Understanding Personal Loans -

A personal loan in jaipur is an unsecured loan typically offered by banks, credit unions, or online lenders. Unlike secured loans, such as mortgages or auto loans, personal loans don't require collateral. Instead, they're personal loans in jaipur based on your creditworthiness, income, and financial history.

Types of Personal Loans - 

1. Traditional Personal Loans:

 These are the most common types of personal loans. They come with fixed interest rates and a predetermined repayment schedule. Borrowers receive a lump sum upfront and repay it in instalments over the loan term, usually ranging from 1 to 5 years.

2. Lines of Credit: 

A personal line of credit provides flexibility. It works like a credit card, allowing you to borrow up to a specified limit and repay it as needed. Interest is charged only on the amount you use.

Key Factors to Consider Before applying for a personal loan in jaipur, it's crucial to consider the following factors:

1. Interest Rate: 

The interest rate, often expressed as an Annual Percentage Rate (APR), determines the cost of borrowing. A lower APR means you'll pay less in interest over the life of the loan.

2. Loan Term: 

The loan term affects your monthly payments. Shorter terms result in higher monthly payments but lower overall interest costs, while longer terms reduce monthly payments but increase total interest expenses.

3. Fees: 

Be aware of any origination fees, prepayment penalties, or other charges associated with the loan.

4. Credit Score:

 Your credit score plays a significant role in the interest rate you'll qualify for. A higher credit score can lead to better loan terms.

5. Repayment Plan:

 Ensure that the monthly payment aligns with your budget and financial goals.

Applying for a Personal Loan in jaipur

1. Check Your Credit Report:

 Obtain a free copy of your credit report from each of the major credit bureaus (Experian, Equifax, and TransUnion) and review it for accuracy.

2.Compare Lenders:

Shop around and compare offers from different lenders to find the best terms and rates for your needs.

3. Gather Documentation:

 Lenders may require proof of income, employment, and other financial information. Prepare these documents in advance to streamline the application process.

4.Submit Your Application:

 Complete the loan application with your chosen lender. Be honest and accurate with your information.

Managing Your Personal Loan

Once you've secured a personal loan in jaipur, it's essential to manage it wisely:

1. Create a Budget:

 Incorporate your loan payments into your budget to ensure you can comfortably meet your obligations.

2. Automatic Payments:

 Consider setting up automatic payments to avoid missing due dates and incurring late fees.

3. Avoid Additional Debt:

 Resist the temptation to accumulate more debt while repaying your personal loan. This can lead to a cycle of debt.

4. Emergency Fund:

 Build or maintain an emergency fund to cover unexpected expenses, reducing the need for future loans.

Conclusion

Personal loans can be valuable financial tools when used responsibly. By understanding the different types of personal loans, considering key factors, and managing your loan wisely, you can make borrowing money work for you. Always do your research and choose the loan that best aligns with your financial goals and capabilities.

so Tesla's stock has been going down and down and down some more and we may see under 100 dollars a share by New Years

I just have to wonder a few things, 1) Tesla is a publicly traded company and Musk owns not a very big share of it (13.4% after his sell offs) when (if ever) will other stockholders coup him out of of the CEO chair? I mean from my outsider view it seems very clear to me any ways that the only hope to save the ship is to throw out the captain (idk if it can be saved given how tied to his image it is, but..)

2) with so much of the twitter debt backed by Tesla stock, and that stock having dropped dramatically and trending down with it's CEO clearly having no answers, blaming everything other than himself, and spends all his time making it worse by damaging his own image and brand, so like what happens to the debt backed up on that stock?

I mean, if the board continues to just go along or not question Musk, the shareholders can either pressure the board or replace the board and replace the CEO (the CEO is hired by and answers to the board of directors, who are chosen by and answerable to the shareholders). And with prominent Tesla shareholders like Leo KoGuan starting to get more vocal about their displeasure and with Musk selling more of his shares, it could get to that point real fast. Cue the retired janitors of idaho.

The $6billion or so Tesla-secured margin loan (meaning that he pledged $6billion of Tesla securities - either equity such as stock, or debt like a bond or CD - that he already owned as part of his investments or issued by the company) that was part of the Twitter financing (account for something like 13% of the overall amount) only really becomes an issue if the lender or whomever is holding that $6billion either gets worried that the value will drop or is dropping and that there's not enough to match or maintain that amount and therefore either Musk or Tesla or whomever has to put more money in to prevent a loss or the lender sells/liquidates those securities/that loan. The lender can do a margin/maintenance call at any time without warning and can sell those securities at any time without warning. And there's the potential for tax liabilities on Musk or Tesla's part as well as further financial instability for Twitter. However that would really only be an issue if the value of those securities falls below $6billion and/or if Musk/Tesla can't inject enough cash or equity to maintain that $6billion, and since Tesla is still in the hundreds of billions value-wise, barring some serious and drastic change, it probably won't be an issue. What *would* be an issue is Musk and/or Tesla having to continue to maintain that margin loan, which would suck more money/finances away from them. And wherever that margin loan is located, Musk/Tesla are stuck with that broker or investment firm unless and until they pay off that loan. The real issue is the $13billion in loans/debt that Musk took out to buy Twitter - that's what doubled the debt obligations of the company to $1billion a year and $3billion of which is unsecured (meaning there's nothing backing it or committed to it in value). At one point earlier this month the banks holding that $13billion were thinking of replacing that unsecured portion with more Tesla-secured margin loans (which would lower the debt payments Twitter has to make, and also puts more equity and value into the loans and financing). Adding more Tesla-backed securities as loan collateral increases the risks I mentioned earlier, and the value of the Twitter loans are both volatile but decreasing, which means that there's both potentially pressure on the banks to sell those loans in a market with lowered investor interest in buying them (because similar kinds of loans for similar companies resulted in serious losses for investors and banks earlier this year) or face more losses with holding onto those loans and that debt.

Private Moneylender or Bank Overdraft: Which option is best the SMEs?

Finally, you receive a call. The customer is interested in placing an order after reviewing your catalog and prices. They are working with your business to draft a contract. You feel happy and a little concerned. Even if you are managing a sizable order, your cash register isn't quite overflowing.

You call your bank manager on the advice of your accountant and request a short term loans so that you may start manufacturing. Although empathetic and kind, the management declines your request. Because of the relative youth of your company, you are unable to provide the necessary collateral.

He keeps asking you to apply for overdraft credit on your current account, so you finally do. You haven't utilized this facility, therefore you don't know how it works.

How do company loans for bank overdrafts function?

Having a current account entitles clients (i.e., company owners) to access a bank overdraft facility, which is a type of credit. The bank authorizes a specific sum as the maximum. Up to this amount, you may withdraw cash or pay with a check for work-related activities. For overdraft credit, the majority of banks will need collateral, which may be investments or fixed deposits.

Other characteristics are:

The interest     rate is typically 1% to 2% more than Malaysia's prime lending rates, which     are at 4.4%.

The amount     you draw that exceeds the balance in your current account is subject to     daily interest calculations.

There is no     time restriction on when overdraft fees must be repaid, but the bank has     the right to stop offering this service at any moment and demand payment     for the overdraft.

This seems like a logical and simple way to get a micro business loan Malaysia for your immediate financial needs or other fund requirements, such as business expansion or renovation, the purchase of more modern and essential equipment, a brief cash crunch caused by lower-than-average sales, or liquid funds to sell a seasonal good or service.

The small company owner in the aforementioned circumstances is fortunate to obtain unsecured credit. Now for the challenging part.

Examining paperwork:

For applications and supporting documents for overdrafts, banks have strict guidelines. Much documentation, including your company's financial reports, must be submitted. Before processing your request, banks may require up to 3 weeks to review your application, verify your paperwork, examine your business's revenue and profitability, and check your credit rating and payback history.

Every small to the medium-sized firm will eventually require funding.

There is no assurance that you will get final permission despite the thorough review and lengthy procedure. You could not receive a credit extension after carefully waiting for one. To make matters worse, because of a delay in gathering money, you are obliged to decline that deal that could have changed your life.

You sometimes can't wait for money since it will hurt your business and revenues. You can experience a sudden financial deficit or need money for unforeseen equipment maintenance or raw material replacement.

There are situations when you lack the paperwork required to obtain a bank loan. You might not be qualified for standard loans or government grants if you are a start-up or an unemployed individual operating a new firm.

So, is there a secure funding option?

Borrow money for your business from a licensed money lender:

Since they are reliable solutions with liberal laws and procedures, licensed money lenders are often used in Malaysia. Less paperwork and rapid approval are guaranteed.

Complete an online form, provide some simple documentation, and then wait a few days. Your unsecured business loan will be approved, and the lender will get in touch with you to arrange an immediate cash release. You may borrow any amount of money if your business, store, or other commercial endeavor is older than two years. This is dependent on the risk tolerance of the lender and your repayment capacity.

For smaller loans, money lenders won't be finicky about credit scores, but they could run a credit check before making a large business loan. Based on the amount borrowed, interest rates are typically fixed monthly rates. Negotiations over interest rates and flexible repayment options are both possible with a private moneylender.

4 Keys to a Safe and Secure Financial Future

Introduction

As a small business owner, it’s important to have a safe and secure financial future. You can’t afford to be careless with your money, and you can’t afford to let your business go down in value because of an unsecured loan. With these 4 keys to a safe and secure financial future, you can make sure that everything is handled correctly from start to finish.

How to Protect Your Financial Future.

Your future depends on your plan for money. Make sure you have a forecast of your income and expenses, so you know where your money is going and how to save it. You also need to have a plan for paying off debts, if necessary. And if you take on any new debt, make sure you have an emergency fund in place to cover the costs.

Save money and invest for your future One of the best ways to protect your financial future is by saving money and investing it in long-term projects. You can do this by setting aside money each month into savings or investment accounts, or by using a budgeting system to track how much money you’ve saved so far and where it’s going. You could also consider buying stocks or bonds, which can offer natural benefits like stability and growth over time.

Don't let your money go to waste Another great way to protect your future is not to spend unnecessary funds. If you don't use your funds wisely, they may end up in the bank unused or in bad investments that will hurt you down the line. For example, if you're spending more than you earn, make sure to track that information and use it as a guide when making decisions about what to spend next year or even beyond.

Get a loan if you need it If something comes up that forces you into debt but doesn't meet all of the criteria set forth in subsection 1., such as being unable to pay back installment loans within a certain number of months or being unable to meet other financial obligations such as mortgage payments etc., then a loan may be appropriate for you."

How to Protect Your Wealth.

A financial plan is an important step in protecting your wealth. It will help you create a budget and figure out how to save money, invest for your future, and obtain a loan if needed. A financial plan should also include strategies to protect your estate from creditors.

Save money One of the most important things you can do to protect your wealth is to save money. Allocate a percentage of your income towards savings so that when times get tough, you have enough left over to cover expenses. Be sure to use tools like Bank rate's Personal Savings Calculator or Nerd Wallet’s Budget Calculator to help with this process.

Invest for your future Investing for your future is another important step in protecting your wealth. By doing something that will benefit both yourself and the future generations, you can ensure that future Generations will be able to enjoy the same opportunities as you have today. This includes investing in stocks, real estate, or any other type of investment that could provide opportunities for growth in the years ahead.

Get a loan if you need it If you find yourself in a difficult Situation where you cannot afford essentials such as rent or food on your own, obtaining a loan may be necessary. A loan could come in handy for things like buying groceries on the go or buying car new without having down payment made beforehand. Just be sure to research the loan type and the terms before getting one. By following these4 keys, you can protect your wealth and have a secure financial future.

How to Protect Your Assets.

It’s important to have a long-term investment strategy in place for your money. This means ensuring that you have a variety of investments, including stocks, bonds, and real estate. You should also be diversified across different asset classes so that you can avoid too much vulnerability to one particular financial event or trend.

Diversify your investments Another key factor in protecting your assets is diversifying your investments. By splitting your money among several different assets, you’ll help to reduce the risk of any one investment losing its value quickly. Additionally, by keeping up-to-date on financial news, you’ll be able to anticipate changes in the market and make informed investment decisions accordingly.

Stay up-to-date on financial news Keeping abreast of financial news can help keep you informed about potential risks associated with your finances and ensure that you are as well protected as possible while on vacation. By following up with your bank branch or checking account regularly, you’ll be able to stay ahead of any potential problems and get the best deal on commodities or goods while traveling.

Be prepared for volatility Volatility is another fear that travelers often experience when planning their trips—particularly those who are new to the stock market or investing his or her money outside of a traditional banking system. In order to minimize these risks during travel, it’s important to have a solid plan for managing funds and stocking away cash in case of an unexpected dip in prices or currency fluctuations (remember: always use common sense when investing!).

Conclusion

Protecting your financial future and wealth is important, but it's even more important to protect your assets. By having a long-term investment strategy and being up-to-date on financial news, you can stay safe and protected in the event of volatility. Protecting your assets also means being prepared for any potential emergencies that might arise. Thanks for reading!

HIPAA Notice of Privacy Practices

Effective Date: January 04, 2022

This notice describes how medical information about you may be used and disclosed and how you can get access to this information. Please review it carefully.

Who will follow this notice?

This notice of privacy practices (the “Notice”) describes Fremont Spine + Wellness’s practices and those of Fremont Spine + Wellness employees, staff, volunteers, and other personnel who are involved in your care. Fremont Spine + Wellness and these individuals will follow the terms of this Notice, and may use or disclose medical information about you to carry out treatment, payment or health care operations, or for other purposes as permitted or required by law. This notice describes your rights to access and control medical information about you, including information that may identify you and that relates to your past, present, or future physical, medical, or mental condition and medical care and related health care services.

Fremont Spine + Wellness’s Pledge Regarding Medical Information

Fremont Spine + Wellness understands that medical information about you and your health is personal, and is therefore committed to protecting medical information about you.

For the purpose of providing, you with quality care, as well as to comply with certain state and federal legal requirements, Fremont Spine + Wellness creates a record of the services you receive at Fremont Spine + Wellness.

This notice applies to all of the records of your care generated by Fremont Spine + Wellness. This notice will tell you about the ways in which Fremont Spine + Wellness may use and disclose medical information about you. It also describes your rights and certain obligations Fremont Spine + Wellness has regarding the use and disclosure of medical information. Fremont Spine + Wellness is required by law to: (1) Make sure that medical information that identifies you is kept private; (2) Give you this notice of its legal duties and privacy practices concerning medical information about you; (3) Follow the terms of the notice that are currently in effect, and (4) Notify you in case there is an unauthorized use or disclosure of your unsecured medical information.

How Fremont Spine + Wellness May Use And Disclose Medical Information About you

The following categories describe different ways that Fremont Spine + Wellness may use or disclose protected medical information. For each category of uses and disclosures, Fremont Spine + Wellness will explain what is meant and may give some examples. Not every use or disclosure in a category will be listed. However, all of the ways Fremont Spine + Wellness is permitted to use and disclose information will fall within one of the categories listed below.

Payment

Fremont Spine + Wellness may use and disclose medical information about you so that payment for the treatment and services you receive at Fremont Spine + Wellness can be received.

Operations

Fremont Spine + Wellness may use and disclose medical information about you to carry out activities that are necessary for all operations. These uses or disclosures are made for quality of care, compliance activities, administrative purposes, contractual obligations, grievances or lawsuits. For example, Fremont Spine + Wellness may use medical information to review treatment and services provided or to evaluate the performance of its staff and contractors in caring for you.

Individuals or Family Members & Your Health Care

Unless you object, Fremont Spine + Wellness may disclose medical information about you to a member of your family, a relative, close friend or any other person that you identify who is involved in your care. Fremont Spine + Wellness may also tell your family or friends, personal representative, or any other person who is responsible for your care of your location, general condition or death, unless you object.

Emergencies

Fremont Spine + Wellness may disclose medical information about you to a public or private entity assisting in disaster relief so that your family can be notified about your condition, status, or location. You may object to this disclosure with a written request. However, if you are not available or are unable to agree or object, or in some emergency circumstances, Fremont Spine + Wellness will use its professional judgment to decide whether this disclosure is in your best interest.

As Required By Law

Fremont Spine + Wellness will disclose your health information when required to do so by federal, state or local law.

Workers’ Compensation

Fremont Spine + Wellness may release medical information about you for workers’ compensation or similar programs. These programs provide benefits for work-related injuries or illness.

Public Health Activities

Fremont Spine + Wellness may disclose medical information about you for public health activities. These purposes generally include the following: (1) To prevent or control disease, injury, or disability; (2) To report deaths; (3) To report abuse or neglect of children, elders, and dependent adults; (4) To report reactions to medications or problems with products; (5) To notify people of recalls of products they may be using; and (6) To notify a person who may have been exposed to a disease or who may be at risk for contracting or spreading a disease or condition.

Health Oversight Activities

Fremont Spine + Wellness may disclose medical information about you to a health oversight agency for activities authorized by law.

Lawsuits and Disputes

Fremont Spine + Wellness may disclose medical information about you in response to a court or administrative order, subpoena, discovery request, or other lawful process.

Disclosure to Law Enforcement

If asked to do so by law enforcement and as authorized or required by law, Fremont Spine + Wellness may release medical information: (1) To identify or locate a suspect, fugitive, material witness, or missing person; (2) About a suspected victim of a crime if, under certain limited circumstances, we are unable to obtain the person’s agreement; (3) About a death suspected to be the result of criminal conduct; (4) About criminal conduct at Fremont Spine + Wellness; and (5) In case of a medical emergency, to report a crime, the location of the crime or victims, or the identity, description or location of the person who committed the crime.

Decedents

Fremont Spine + Wellness may release medical information about you to a coroner or medical examiner. This may be necessary, for example, to identify a deceased person or determine the cause of death. Fremont Spine + Wellness may also release medical information about you to funeral directors. Fremont Spine + Wellness may also release information to any individual known as a family member, close personal friend of the family, or any other person identified, who was involved in your care or the payment for your care prior to your death, unless you indicate otherwise. Your medical information may be used or disclosed to others without your authorization after fifty (50) years from the date of your death.

Specialized Government Functions

Fremont Spine + Wellness may disclose medical information about you to authorized federal officials for intelligence, counter intelligence, and other national security activities. If you are an inmate or under the custody of a law enforcement official, Fremont Spine + Wellness may release medical information about you to the correctional institution or law enforcement official responsible for you as authorized or required by law.

Disclosure For Threats to Health and Safety

In certain circumstances, Fremont Spine + Wellness may be required to disclose medical information to avert a serious threat to your health and safety or the health and safety of another person as required by law enforcement. The use or disclosure will be made in compliance with the law and will be limited to the relevant requirements of the law.

Marketing

Fremont Spine + Wellness will not release your medical information for marketing purposes without authorization from you.

Sale of Medical Information

Fremont Spine + Wellness will not sell your medical information without authorization from you.

Your Rights

You have the following rights regarding your medical information. In order to exercise these rights, you must contact The HIPAA Privacy Officer at Fremont Spine + Wellness. You may be asked to submit a written request. The HIPAA Privacy Officer may be contacted using the following information:

Fremont Spine + Wellness – Chiropractor in Seattle Washington

Attn: HIPAA Privacy Officer Add: 3514 Fremont Avenue North, Seattle, Washington 98103 Phone: 206-634-1300 Email: [email protected]

Right to Inspect and Copy. With certain exceptions, you have the right to inspect and receive copies of your medical information.

Amendment

If you feel that medical information about you is incorrect or incomplete, you may ask Fremont Spine + Wellness to amend the information.

Right to an Accounting of Disclosures

You have the right to receive a list of certain disclosures that we may have made of your medical information.

Right to Request Restrictions

You have the right to request a restriction or limitation on medical information that Fremont Spine + Wellness uses or discloses about you for treatment, payment or health care operations, and to request a limit on the medical information that Fremont Spine + Wellness may disclose to family members or friends involved in your care.

Request Confidential Communications

You have the right to request that Fremont Spine + Wellness communicate with you about your appointments or other matters related to your treatment in a specific way or at a specific location.

Receive a Copy

You have the right to obtain a copy of this notice.

Changes to This Notice

Fremont Spine + Wellness reserves the right to change the terms of this Notice at any time. Fremont Spine + Wellness reserves the right to make the revised or changed notice effective for medical information about you which is currently in Fremont Spine + Wellness’s possession, as well as any information received about you in the future. Fremont Spine + Wellness will post a copy of the current notice. The Notice will contain an effective date.

Questions And Complaints

If you have any questions or believe that your privacy rights have been violated, you may contact Fremont Spine + Wellness’s HIPAA Privacy Officer in person or mail a written summary of your concern to the address listed above.

You may also file a written complaint with the Department of Health and Human Services at the following address:

Centralized Case Management Operations U.S. Department of Health and Human Services 200 Independence Avenue, S.W. Room 509F HHH Bldg. Washington, D.C. 20201 Toll-free: (800) 368-1019 TDD toll-free: (800) 537-7697 Email: [email protected]

You will not be penalized or retaliated against for filing a complaint.

Other Uses Of Medical Information

Other uses and disclosures of medical information not covered by this Notice will be made only with your written permission. If you provide Fremont Spine + Wellness with permission to use or disclose medical information about you, you may revoke that permission in writing at any time. If you revoke your permission, Fremont Spine + Wellness will stop any further use or disclosure of your medical information for the purposes covered by your written authorization, except if Fremont Spine + Wellness has already acted in reliance on your permission. You understand that Fremont Spine + Wellness is unable to take back any disclosure which has already been made with your permission and is required to retain its records of the care which has been provided to you.

Article source: https://fremontchiropractic.com/hipaa-notice-of-privacy-practices/

Understanding ICICI Personal Loans with Easy EMI Calculations

An ICICI personal loan can be the perfect solution, offering a quick and convenient way to access funds for various personal needs. But navigating loan options and calculating EMIs (Equated Monthly Installments) can feel overwhelming. Fear not! This blog empowers you with the knowledge to understand ICICI personal loans and utilize the ICICI Personal Loan EMI Calculator to make informed decisions.

What is an ICICI Personal Loan?

An ICICI personal loan is an unsecured loan offered by ICICI Bank. "Unsecured" means you don't need to pledge any collateral (like property) to secure the loan. This makes it a convenient option for various purposes, including:

Debt Consolidation: Consolidate high-interest debts into a single, lower-interest ICICI personal loan, simplifying your repayment process and potentially saving money.

Medical Emergencies: Cover unexpected medical expenses for yourself or your loved ones with a personal loan.

Home Renovation: Spruce up your living space or make necessary repairs with the help of an ICICI personal loan.

Wedding Expenses: Finance your dream wedding or help family members with wedding-related costs using an ICICI personal loan.

Education Funding: Invest in your education or your children's education with an ICICI personal loan to bridge any financial gaps.

Key Features of ICICI Personal Loans:

Minimal Documentation: The application process for an ICICI personal loan is streamlined, requiring minimal documentation for faster loan approvals.

Flexible Repayment Options: Choose a repayment tenure that aligns with your financial comfort, with options ranging from 12 to 60 months.

Competitive Interest Rates: ICICI Bank offers competitive interest rates on personal loans, making them a cost-effective way to access funds.

Transparent Process: The loan application process and terms are transparent, allowing you to make informed decisions.

The Power of the ICICI Personal Loan EMI Calculator:

The ICICI Personal Loan EMI Calculator is a valuable tool available on the ICICI Bank website. This user-friendly calculator allows you to:

Estimate Your EMI: Input your desired loan amount, interest rate (offered by ICICI Bank or obtained through pre-qualification), and chosen loan tenure. The calculator instantly provides an estimated EMI amount, helping you understand your monthly repayment obligation.

Plan Your Budget: By knowing your estimated EMI beforehand, you can effectively plan your budget and ensure the loan repayment fits comfortably within your monthly income.

Compare Loan Options: If you're considering different loan amounts or tenures, the calculator allows you to adjust these variables and compare the resulting EMIs. This empowers you to make an informed decision that aligns with your financial situation.

Here's how to find the ICICI Personal Loan EMI Calculator:

Visit the ICICI Bank website

Navigate to the "Personal Loans" section.

Look for the "EMI Calculator" option or search for "ICICI Personal Loan EMI Calculator" directly.

Additional Tips for a Smooth Loan Journey:

Maintain a Good Credit Score: A healthy credit score can lead to lower interest rates on your ICICI personal loan.

Compare Rates: While the EMI calculator provides estimates, explore and compare interest rates offered by ICICI Bank for personal loans.

Borrow Responsibly: Only borrow what you need and ensure you can comfortably repay the loan within the chosen tenure.

Conclusion:

An ICICI personal loan can be a valuable tool to achieve your financial goals. The streamlined application process, flexible repayment options, and competitive interest rates make it a compelling option. By utilizing the ICICI Personal Loan EMI Calculator and following these tips, you can make informed decisions, plan your finances effectively, and embark on a smooth loan journey with ICICI Bank. Remember, knowledge is power! So, equip yourself with the right information and take control of your financial well-being.

Despite Bankruptcy Short Term Loans UK Is Your 1 Source of Funding

Would you desire to be relieved of any pressing financial obligations? Need the optimal amount of money right away? If the answer is yes, you can get funding there by applying for a short term loans UK. The best news is that you don't have to worry about applying at a specific time because these loans are available day and night, seven days a week. Both renters and non-homeowners can quickly and hassle-free obtain the financing.

Through the intended loan product, anyone can borrow money in the range of £100 to £2,500 without having to provide any security, such as a home, an estate, a car, or jewelry. These by their very nature are unsecured and short-term. As a result, the lender won't ask you to defend the lender. Typically, you have 2-4 weeks to pay back the borrowed money. You can use this short term loans UK without any problem to pay for household expenditures, credit card dues, electricity bills, grocery bills, tuition for your child's school, and many other things.

In spite of bankruptcy, customers can still get same day loans UK, as the subheading states. It indicates that you don't have a major problem getting a loan without a credit check if you have adverse credit factors like defaults, arrears, foreclosure, late payments, CCJs, IVA, skipped payments, low credit ratings, etc.

Before making a loan to you through one of short term loans direct lenders, the lender will require that you meet certain requirements, including that you are at least 18 years old, a resident of the UK, a full-time worker for a reputable company, and that you have an active bank account, which is required in order to receive money via direct deposit. You must now complete the application in order to receive an immediate loan decision.

When may I require a £2,500 Short Term Loans UK?

There are instances when an unexpected bill comes up before payday and you don't have any extra money to pay for it. In this scenario, you might require a £2,500 short term loans UK direct lender to cover:

A costly repair to bring your automobile back in working order or a new used car if yours has broken down.

You need to make an urgent house repair.

If you don't have pet insurance, a medical expense.

Emergency travel expenses at the last minute.

It's wise to only use a same day loans UK in an emergency and not to address ongoing financial issues or frequent cash flow issues. We advise getting in touch with a free, unbiased financial advisor like The Money Helper if you need to talk to someone about your finances.

How soon do I have to repay a £500 Same Day Loans UK?

This largely depends on the lender you select. Some companies give you up to 35 days to repay your loan. Consider a same day loans UK to ease the burden on you and your monthly spending plan. This makes the entire lending process more manageable by allowing you to spread the cost of your borrowing, plus interest, over a longer period of time.

Short Term Loans UK Direct Lender Offers Short-Term Financing with No Obligations

Prior to the introduction of short term loans UK direct lender, obtaining quick cash without a debit card was as simple as 1-2-3. You can get cash within a few minutes of applying for these loans because of the rapid online application feature. The linked lenders help you overcome all of your short-term and emergency financial problems by providing quick cash.

You must fulfill the fundamental requirements listed below in order to be eligible for a short term loan:

- You have to be over the age of eighteen;

- You have to have worked for a company for the last six months;

- You have to have an active bank account that has been open for more than ninety days.

- During your employment term, your monthly salary should be at least £750.

You are under no obligation to apply for short term loans UK direct lender; you can do so based on your needs and requirements. Short term loan provide cash together with perks like flexible repayment terms and low interest rates. It is simpler to get cash aid from the affiliated lender even if you have poor credit history or situations like having no credit or insufficient dollars. This means that in order to be eligible for these credits, you must also be deemed equally to other credit holders who have not been negatively impacted by unfavorable credit factors such as defaults, arrears, foreclosure, late or missed payments, CCJs, IVA, or missed payments.

If you have urgent demands, apply for short term loans direct lenders right away! Using a straightforward online application form, you may quickly and simply provide the lender with your manual information. If all information is correct, funds are authorized and deposited directly into your bank account either today or the following working day. There's no need for faxing or laborious, long paperwork this way.

Getting a short term cash loans might be stressful in and of it since you might worry that you won't have enough money to repay the loan on time. We provide flexible repayment options because of this, so you can select a loan that you can afford to repay with confidence. Our short term cash loans are simple, fast loans with transparent fees that you can customize to your liking. You can decide when and how often to make repayments.

Furthermore, our Customer Care team is there to make sure you never take out more debt than you are able to repay. Because we view you as a person above and beyond your credit score, you can obtain short term cash loans. We'll do everything in our power to support you in any way we can.

If accepted, you can have money in your bank in a matter of minutes thanks to our simple and fast loan application. We offer short term loans UK approvals for both excellent and bad credit, with 95% of our candidates receiving their approval in within five minutes. If you are a returning customer, you can apply for up to £2000 and choose payback terms of up to 12 months, provided that your previous loan with us is fully settled. As a new customer, you can choose a loan up to £1000 with a maximum repayment term of 8 months.

Enterprise Valuation: The Asset-based Strategy

When you’re beginning to type your APM, select assets that are critical to enterprise operations first. Organizations of different sizes and industries use APM as part of their general asset technique for varied reasons, together with reducing the chance of asset failures, reducing unplanned downtime and minimizing their upkeep costs. Modern APM solutions also typically enhance compliance capabilities, gear diagnostics capabilities, asset connectivity and maintenance ecosystems. Asset lifecycle management (ALM) is the method by which asset-intensive organizations hold their belongings working smoothly all through their lifespan. Asset performance management (APM) is a strategic method that companies use to maximize asset efficiency. asset loans The result is extra efficient follow-up on analysis results and a reduction in handbook workload. If you are accessing this website from outside of the UK or Guernsey please be aware that we may be prohibited from making our services and merchandise available in any jurisdiction apart from the UK or Guernsey. Private finance has a big part to play in funding and influencing the world’s transition to web zero. As part of Close Brothers, we are led by the group’s sustainability aims, and are dedicated to addressing the social, financial and environmental challenges facing our enterprise, purchasers and staff, now and into the future. If you default on the loan, the lender has the proper to seize the collateral assets and sell them to recuperate the outstanding loan quantity. During the Middle Ages, asset-based lending expanded past its agricultural confines, taking half in a pivotal function in funding important endeavors, including warfare and large-scale initiatives. A notable instance is King Henry VII of England resorting to asset-based lending in 1455 to underwrite his military campaign in opposition to France. In its most elementary type, the asset-based worth is equivalent to the company’s guide worth or shareholders’ equity. Many stakeholders may even calculate the asset-based worth and use it comprehensively in valuation comparisons. Although both are asset-based, factoring is organized in a different way than asset-based lending and provides the client distinct dangers, prices, and rewards. In factoring, a business sells its trade receivables to a factoring company in trade for fast cost in a monetary transaction. Asset backed loans are a kind of loan or revolving line of credit that's secured by the assets of a firm. As the asset is utilized as collateral for the loan, the lender has the proper to grab it if the corporate defaults on its fee obligations. A significant shift occurred within the 1980s when asset-based lending began being utilized as a means to handle the working capital necessities of companies. Businesses in want of funds to buy stock or cover payroll expenses could safe loans by providing their stock or accounts receivable as collateral. Asset financing lenders are probably to favor liquid collateral that could be simply became money if a default on the loan happens. Physical property, like equipment, property, or even inventory, could also be much less desirable for lenders. This is one of the features that sets us apart, as many lenders have variable timelines for making funds obtainable. Invoice factoring is an efficient way to unlock money move and turn your bill payments into instant money. However, by benefiting from bill factoring, you can get instant money inside 24 hours with Goodman Capital when needed. Interest charges on asset-based lending are decrease than rates on unsecured loans because the lender can recoup most or all of its losses within the event that the borrower defaults. Cheaper than Comparable SolutionsMost asset-based lending schemes are more reasonably priced than comparable choices like factoring. Factoring traces are priced by deducting a percentage from the entire invoice value, versus asset-based loans, that are priced using an annual percentage rate (APR). They provide valuable knowledge for decision-making, predictive maintenance and course of optimization. At Gulf Coast Business Credit, our asset-based lending specialists will work with you personally to find one of the best financing solution in your company’s wants. We understand that every one companies are unique and have totally different wants, and we are going to work with these particular must create a customized solution only for you. Continuing its data-driven method, UpKeep Edge presents complete business intelligence dashboards that enable customers to track key performance indicators and monitor uptime and downtime patterns. This enables customers to create optimized upkeep schedules and implement proactive preventive measures—resulting in extended asset life and improved total performance. MaintainX is an asset maintenance solution that specializes in work order management and preventive maintenance. In abstract, businesses seeking asset-based lending must reveal their creditworthiness via positive financial efficiency, and high-quality collateral. The overall focus lies mainly on the collateral, making it a more flexible financing choice for companies with belongings to back their loans. The most important side of asset-based lending eligibility is the quality and worth of the collateral. Contact a Sales Representative to see how Tenable Lumin can help you acquire insight across your complete organization and handle cyber threat. Enjoy full access to our newest internet software scanning providing designed for modern functions as a half of the Tenable One Exposure Management platform. Safely scan your complete online portfolio for vulnerabilities with a excessive diploma of accuracy with out heavy handbook effort or disruption to crucial web purposes. Sound safety follow requires steady, dynamic analytics that assess adjustments in vulnerability, threat and asset criticality throughout your entire assault floor. Tenable employs machine learning automation to continuously analyze greater than 20 trillion risk, vulnerability and asset information points to predict which vulnerabilities matter most. For a clearer thought of what you have to do to arrange your small business for asset-based lending, use our guidelines.

Types Of Assets For Your Residence Loan

You’ve offered a property but the transfer will nonetheless take months to register. What should you urgently have to access the sale proceeds to cowl bills earlier than the transfer registers? Lamna provides short-term finance solutions of as a lot as 80% of your money BEFORE REGISTRATION. asset based financing companies After applying for a short-term loan, they had been so quick to course of my utility and every thing was done so smoothly. Working with an adviser could come with potential downsides corresponding to payment of fees (which will scale back returns). There are no ensures that working with an adviser will yield optimistic returns. The existence of a fiduciary duty does not forestall the rise of potential conflicts of curiosity. SmartAsset Advisors, LLC ("SmartAsset"), a completely owned subsidiary of Financial Insight Technology, is registered with the U.S. Borrowers with most types of federal direct loans are eligible for the SAVE forgiveness program. asset based lending services Even so, you need to have some type of contract in place that details your loan, interest rate (if any), compensation plan, and any fees, if your loved ones want to implement them. Have a deadline in place so both you and your relatives know when the cash ought to be paid back in full. Not all onerous money lenders provide the same types of loans to everybody. Hard money loans are a powerful software for securing one hundred pc financing, however not all borrowers will qualify. Here are a quantity of ways to help ensure you get no down cost financing in your project. Regarding asset depletion loans, the panorama of lenders and the interest rates they provide can vary greatly. Potential borrowers must be well-informed about where to look for these loans and the method to examine the rates and phrases. Some lenders additionally require an appraisal of the belongings, mainly if they embrace actual property or different non-liquid investments. The cash demand could also be extremely time-sensitive, such as within the case of a significant acquisition or an surprising gear buy. If a company files for chapter, its property are listed on the market to pay back its creditors. In the payback scheme, secured lenders all the time have priority over unsecured lenders. The property are offered off till all secured lenders are absolutely paid back, solely then are unsecured lenders paid again. Ultimately, the qualifications that you’ll want to fulfill will range based on the particular loan product and lender. In both case, your lender will make you a loan supply based on the kind and value of your obtainable collateral along with your other qualifications. To determine the quantity of funding you’re eligible to receive, lenders will usually use the loan-to-value ratio (LTV). Companies with substantial property that do not match the tight requirements of regular lending establishments or need assistance accessing different kinds of finance frequently seek these loans. At Griffin Funding, we additionally provide VA loans for qualifying active obligation members and veterans. VA loans in Florida can be found to military veterans with no down fee and low interest rates. Founded in 2013, Griffin Funding is a national boutique mortgage lender focusing on delivering 5-star service to its shoppers.