Dinahs Doodles http://dinahsdoodles.com/ Sat, 22 Jan 2022 17:51:31 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://dinahsdoodles.com/wp-content/uploads/2021/04/cropped-icon-32x32.png Dinahs Doodles http://dinahsdoodles.com/ 32 32 Lucas Digne and Matty Cash hit by missile launched by Everton fans after Aston Villa score at Goodison Park | Soccer News https://dinahsdoodles.com/lucas-digne-and-matty-cash-hit-by-missile-launched-by-everton-fans-after-aston-villa-score-at-goodison-park-soccer-news/ Sat, 22 Jan 2022 15:16:33 +0000 https://dinahsdoodles.com/lucas-digne-and-matty-cash-hit-by-missile-launched-by-everton-fans-after-aston-villa-score-at-goodison-park-soccer-news/

A fan has been arrested after Lucas Digne and Matty Cash were both hit by a bottle while celebrating Aston Villa’s opener at Everton.

Cash and Digne – who joined Villa from Everton two weeks ago – remained on the pitch momentarily before they could continue with the game, which ended 1-0 for the visitors.

Everton and police were able to identify the individual after analyzing CCTV footage from Goodison Park.

“Police have arrested a supporter at Goodison Park for launching a missile onto the pitch during today’s Premier League match against Aston Villa,” a club statement from Everton read.

“Several objects were thrown towards the pitch after Aston Villa’s goal late in the first half, with a missile appearing to hit two opposing players.

“Investigations in conjunction with the police are ongoing, and the club will issue bans to any fans found throwing objects.”

A tannoy announcement heard during the second half at Goodison Park said: “This is a club safety announcement. If anyone is caught throwing bottles or any other object at the field, you will be arrested and banned from the club.”

After Villa’s 1-0 win, Cash spoke to BT Sports about the incident: “It was crazy. It hit me in the head.

“It’s not good to have that, but we got three points so we’ll take that.”

Asked if the bottle incident was shameful, Everton caretaker manager Duncan Ferguson said BT Sports“Yes, it is. Obviously I’ve never seen it but they shouldn’t be doing that.”

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Get all this and more – including notifications sent straight to your phone – by downloading the Sky Sports Scores app and set Everton as your favorite team.

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Follow Aston Villa with Sky Sports

Follow every Aston Villa game in the Premier League this season with our live blogs on the Sky Sports website and app, and watch match summaries for free soon after full time.

Want the latest Aston Villa? Mark our Aston Villa news page, to verify Aston Villa schedule and Aston Villa latest results, Look Aston Villa goals and video, keep track of Premier League table and find out what Aston Villa games are coming up live on Sky Sports.

Get all this and more – including notifications sent straight to your phone – by downloading the Sky Sports Scores app and make Aston Villa your favorite team.

Hear the best Premier League reaction and expert analysis with the Essential Soccer and Gary Neville podcasts, stay up to date with our dedicated transfer center, follow Sky Sports’ social accounts on Twitter, instagram and Youtube, and find out how get Sky Sports.

Huntsville woman loses thousands to Zelle app scam https://dinahsdoodles.com/huntsville-woman-loses-thousands-to-zelle-app-scam/ Sat, 22 Jan 2022 04:21:22 +0000 https://dinahsdoodles.com/huntsville-woman-loses-thousands-to-zelle-app-scam/

HUNTSVILLE, Ala. (WHNT) – The North Alabama Better Business Bureau is advising everyone to beware of a scam involving the popular Zelle mobile wallet. Scammers pretend to be with your bank, then trick you into transferring your hard-earned money to them.

The money transfer app was supposed to be safer than all the others as it is operated by the biggest banks in the country like Chase, Bank of America and Wells Fargo. However, Zelle is quickly becoming the number one tool for scammers.

Huntsville resident Katherine Bucy received a phone call from a scammer just minutes after walking out of the bank.

“Suddenly my phone rang,” Bucy told News 19. “He said it was from Wells Fargo customer service, so I answered.”

The person on the other end of the line said someone was trying to send themselves thousands of dollars from their account. Bucy, a single mother with a full-time job and attending school, gave them the information they needed to protect the account.

“I put in my own phone number and name,” Bucy continued. “That was all it took and once I clicked send that money was then sent to an outside bank account.”

Ann Durham received a text from what she thought was her bank offering fraud protection.

“He said all we need you to do is get your new phone leaked and we need you to deactivate your phone number in your Zelle,” Durham told News 19.

In both cases, it was an elaborate scam, which asked you to give information about your bank account.

Elizabeth Garcia of the Better Business Bureau of North Alabama says fraudsters are using the banking industry’s popular money app to make millions from this scam. It’s hard to detect because the app is already associated with your bank account.

“When the consumer authorizes this transaction through Zelle…then the scammer runs off with the money, and then the consumer has to rectify that with the bank and try to get that money back by filing a fraud claim,” Garcia explained.

“Clearly I want my money back,” Bucy concluded. “There are people in the world who, if they were to lose that amount of money, it would be devastating to them.”

The Better Business Bureau says that a surefire way to deflect scammers is to consistently change your Zelle app account password and register that app using two-factor authentication, as this makes the access to the application more difficult.

What is a Direct Consolidation Loan? https://dinahsdoodles.com/what-is-a-direct-consolidation-loan/ Fri, 21 Jan 2022 20:53:26 +0000 https://dinahsdoodles.com/what-is-a-direct-consolidation-loan/

Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, which we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to herein as “Credible”.

Many students leave school with multiple student loans – usually eight to 12, depending on the program. Managing so many loans can be overwhelming, but luckily there are strategies that could help simplify your repayment.

For example, if you have federal student loans, you can consolidate them into a direct consolidation loan. This process will leave you with one loan and one payment to follow.

Here’s what you need to know about direct consolidation loans:

What is a Direct Consolidation Loan?

You can consolidate multiple federal student loans into one direct consolidation loan, leaving you with just one monthly payment to follow.

If you’re thinking about consolidating your federal student loans, here are some important things to consider:

  • Interest rate: Your interest rate on a direct consolidation loan will be the weighted average of the rates of the loans you wish to consolidate, rounded up to one-eighth of a percent. If some of your loans have high interest rates, you could end up paying a lot more interest.
  • Repayment schedule: With a direct consolidation loan, you can extend the repayment term of your loan for up to 30 years, which could significantly reduce your monthly payments. Remember that you will pay more interest over time with a longer term.
  • Loan balances: Any unpaid interest on your loans will be added to your principal balance upon consolidation. This means you could end up paying interest on a higher balance than you started with.

Keep in mind: Federal student loan consolidation is not available for private student loans. However, there are other options that might help you repay your private loans more easily, such as student loan refinancing.

Learn more: Consolidation of private student loans

How to Apply for a Direct Consolidation Loan

If you decide to consolidate your federal student loans, follow these four steps:

1. Review your loans

Before you begin the application process, you’ll need to decide which loans you want to include in the consolidation. You can consult your federal loans via the National Student Loan Data System (NSLDS).

The following loans are eligible for federal consolidation:

  • Federal Subsidized Stafford Loans
  • Unsubsidized and Unsubsidized Federal Stafford Loans
  • PLUS loans from the Federal Family Education Loan Program (FFEL)
  • Additional Student Loans
  • Perkins Federal Loans
  • Nursing Student Loans
  • Nursing College Loans
  • Health Education Loans
  • Student loans for health professions
  • Loans for disadvantaged students
  • Subsidized direct loans
  • Direct unsubsidized loans
  • Direct Loans PLUS
  • FFEL Consolidation Loans and Direct Consolidation Loans (only under certain conditions)
  • Federal Insured Student Loans
  • Guaranteed student loans
  • Direct National Student Loans
  • National Defense Student Loans
  • Parent loans for undergraduate students
  • Auxiliary loans to help students

2. Gather your documents

To complete the application, you will need a Federal Student Aid (FSA) ID. If you do not have an FSA ID, you can create one at StudentAid.gov – you will just need a mobile phone number, an email address and your social security number.

Also be prepared to provide the following in your Direct Consoidation loan application:

  • Personal informations, such as your address and telephone number
  • Financial information, such as your employer and income
  • Information about each of the loans you want to consolidate, such as the repairer and the estimated amount of the gain

3. Complete the application

Once you have gathered your information, you will need to complete the Direct Consolidation Loan Application. Completing the application usually takes about 30 minutes.

Point: You can complete the online application at StudentAid.gov, or you can submit a paper application to the federal loan officer of your choice.

4. Manage your payments

It usually takes 30-45 days to complete the consolidation. During this time, be sure to track all of your loan repayments.

Then start making payments on your new direct consolidation loan. You might consider signing up for automatic payment to avoid missing payments in the future – many services offer a rate reduction for borrowers who opt for automatic payments.

Keep in mind: You cannot consolidate federal loans while you are enrolled in school at least half-time. To be eligible, you must graduate, leave school, or drop below halftime.

To verify: What happens when you fail to repay a student loan

Benefits of a Direct Consolidation Loan

Although consolidating federal loans with a direct consolidation loan may be a good decision for some borrowers, it is not the right choice for everyone.

Here are some potential benefits to consider when evaluating your options:

  • Could reduce your payments: With a direct consolidation loan, you can extend your repayment term for up to 30 years. This could lower your monthly payments and reduce the strain on your budget, but remember it also means you’ll pay more interest over time.
  • Combine several loans: A direct consolidation loan allows you to combine your federal student loans, which can help simplify repayment.
  • Could make you eligible for loan forgiveness: If you have Direct PLUS loans, consolidating them will make you eligible for income-contingent repayment (IDR). It could also qualify you for federal student loan forgiveness programs, such as the Public Service Loan Forgiveness (PSLF).

Learn more: Best Parent Student Loans: Choose Private or PLUS Loans

Disadvantages of a Direct Consolidation Loan

And here are some possible downsides to keep in mind:

  • Higher interest costs: If you choose to extend your repayment term with a direct consolidation loan, your overall loan cost will likely increase due to additional interest charges. Also, any unpaid interest will be added to your main balance after consolidation, which means you could end up paying interest on a higher loan amount.
  • Will reset the forgiveness timeline: Consolidating your loans resets the clock when it comes to getting approved for programs like PSLF. If you have already made qualifying payments, they will no longer count towards the 10 years of payments required by PSLF.
  • Could lose your grace period: Most federal loans have a six-month grace period. If you consolidate your loans before the end of this grace period, you must begin making payments within 60 days of the consolidation being processed.

To verify: How to refinance your student loans

Is it better to refinance or consolidate student loans?

Whether it’s best to refinance privately or consolidate your student loans federally will depend on your personal circumstances and financial goals. Depending on your credit, refinancing a student loan may get you a lower interest rate, which could save you money on interest and potentially help you pay off your loans faster.

Keep in mind: Refinancing federal loans will cost you access to federal benefits and protections, such as IDR plans and student loan forgiveness programs.

For this reason, consolidation might be a better choice in some cases, especially if you plan to repay your loans over a long period.

If you decide to refinance your student loans, be sure to consider as many lenders as possible to find the right loan for you. Credible makes it easy – you can compare your prequalified rates from multiple lenders in two minutes.

Find out if refinancing is right for you

  • Compare actual rates, not rough estimates – Unlock rates from multiple lenders in about 2 minutes
  • Will not affect credit rating – Checking rates on Credible will not impact your credit score
  • Data Privacy – We do not sell your information, so you will not receive calls or emails from multiple lenders

See your refinancing options
Credible is 100% free!

Direct Consolidation Loans: Frequently Asked Questions

Here are the answers to some frequently asked questions about direct consolidation loans:

How long does it take for a direct consolidation loan to pay off old loans?

Once you submit a direct consolidation loan application, it usually takes 30-45 days for it to be processed and your old loans to be paid off. You can usually expect to start making payments on the new direct consolidation loan within two months.

Point: To avoid delays, make sure all the information you provide in the application is as accurate as possible.

What is the interest rate for a direct consolidation loan?

Your interest rate on a direct consolidation loan will be the weighted average of the rates of the loans you choose to consolidate, rounded to the nearest eighth of 1%.

For example: Suppose you are consolidating a $2,000 loan with an interest rate of 4.45% and a $3,000 loan with an interest rate of 6%. The blended interest rate between these two loans is 5.38% – then rounded to the nearest eighth of 1%, the rate will be 5.5%.

Can you cancel a direct consolidation loan?

Yes, if your loan consolidation request has not been processed, you can cancel it. To do this, you will need to contact the repairer who received the request.

However, if your application has already been processed and the funds have been disbursed, you will not be able to cancel the new loan.

Keep reading: Student Loan Consolidation vs. Student Loan Refinance

About the Author

Angela Brown

Angela Brown is a personal finance and real estate authority and a Credible contributor. Her work has appeared in Fox Business, LendingTree, 1800 Flowers and FinanceBuzz.

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What should you consider when considering getting a payday loan? https://dinahsdoodles.com/what-should-you-consider-when-considering-getting-a-payday-loan/ Fri, 21 Jan 2022 10:45:37 +0000 https://dinahsdoodles.com/what-should-you-consider-when-considering-getting-a-payday-loan/

Once the loan is accepted by the credit company, the amount is immediately credited to your account. Online payday loans are received simply and in a timely manner. Online payday loans are a fantastic choice for people who have little money to meet their needs. Regardless of the name, these loans are rather short term with higher interest rate while people can get anywhere from $50 to $1500. These loans are available without any restriction if used wisely. Online payday loans are a type of advance for lenders in the United States, Great Britain, and other countries where they are in demand and legal.

Potential of payday loans

Online payday loans are exactly the case when the borrower installs some sort of security for the borrowed money. A person can get payday loans online at the best possible price if they apply for it. Usually people choose loans when they are short of money. In line payday loans were designed to create a good borrowing experience and almost everyone is qualified.

Online loans can also be considered an ideal solution if you have a bad credit report, says Dan Carpenter, CEO of MoneyZap.com. Cash loans can be used for whatever money you want. Payday loans are considered an option these days if you want to borrow funds to use on the day. Lenders give you the money you need when needed without the hassle and red tape in the long run, which also allows you to solve financial problems.

Some are much better than others and are one of the best options for getting quick cash. Payday loans without credit checks are difficult compared to the borrower’s salary. In other words, unlike next month’s salary. Instead, seek out the help an MFI can offer. Payday loans provide quick access to cash assistance and meet all demands.

How to get payday loans online?

You can get funding from virtually anywhere in the United States. Completing an online application is all you need to do to get a 12 month loan. Online loans allow you to reach your goals quickly, pay all the bills you need, and get your loan back with reasonable interest rates and coverage periods. Online loans are a great way to get instant funds.

Loans without credit check is a line of credit specially designed for poor lenders to help them with quick financial relief. Make sure you are ready to repay the loan without delay. Online payday loans can be obtained from $100 to $1000. Secured loans, credit checks are not observed in the form of secured and unsecured properties.

Canadian individuals can get a minimum of US$100 for short-term loans with bad credit. However, they cannot get more than 1500 US dollars as this is the maximum limit. People apply for a large number of loans when faced with a very low interest rate. Compared to secured loans, pre-paycheck online loans charge a slightly higher interest rate. Moreover, online payday loans do not need collateral.

What should you know about online payday loans?

There is nothing wrong with borrowing money or taking out payday loans online. Having a well-managed debt is actually an important part of the practice. However, it is common knowledge that a personal loan is difficult to manage because it has very high fees and interest rates. This type of loan is for people already living on paychecks and who may have difficulty repaying the debt in full.

Commissions and interest

The commission for a payday loan can be a percentage of the amount borrowed or a fixed commission depending on the increase in the money borrowed. For example, for a loan of $100, the commission could be $15 with an additional $15 for every $100. The fee is reloaded each time the loan is renewed or renewed if the borrower is unable to repay the loan within a time limit. specified period of time.

Payday loans will also have an annual percentage rate (APR) which depends on many factors and further increases the amount. People who live paycheck to paycheck find it especially difficult. Paying off a payday loan means they don’t have enough money to pay. In this situation, another loan is often taken out with the same fees and the same annual interest rate. Once you enter this cycle, you pay off the payday loan to take another because it becomes extremely difficult to survive until the next paycheck.

Regular fees and short repayment periods

Regular fees, short payment terms, and small payment amounts mean that the cost of getting a payday loan adds up very quickly. This is often mentioned by companies providing employer-sponsored financial advice.

Should I take out a payday loan?

Experts agree that payday loans should be approached with caution. They can solve a short-term financial crisis. But if you can’t pay off your original loan with the money you have left to avoid borrowing another one, they can cause you even bigger problems. However, financial instinct does not outweigh the urgency that many people feel when they are unable to buy basic necessities or pay their bills.

If you need to borrow money and cannot borrow responsibly from family or friends, explore short-term payday loan alternatives first. They offer a small loan from your credit union, bank or small loan company. Be sure to pay attention to the fine print to understand the associated fees and interest rates to ensure this is a smarter option than a payday loan. If a loan is still your only option, choose a loan with the lowest fees and interest rates.

Lenders are required by law to disclose the cost of the loan. Borrow only what you owe and make it less than your salary so you can repay the loan at no extra cost. Ideally, you have enough money left over to pay your next paycheck. So you don’t have to borrow more money to fill the gap. While researching loan options, regardless of your loan or income, beware of apps that promise to lend money fast. Many offer small cash loans for a few days and often don’t have a check. They are a safer and smarter alternative to payday loans.

The Fed ignores the money supply and lets inflation tear https://dinahsdoodles.com/the-fed-ignores-the-money-supply-and-lets-inflation-tear/ Fri, 21 Jan 2022 09:00:00 +0000 https://dinahsdoodles.com/the-fed-ignores-the-money-supply-and-lets-inflation-tear/

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