#Credit insurance

[tradersuraj1]

Leading Export Factoring Services in India to Boost International Sales

Export factoring is a financial transaction and a type of debtor finance in which a business sells its accounts receivable (invoices) to a third party (the factor) at a discount. This arrangement provides the business with immediate funds, typically a percentage of the value of the receivables, which can help improve cash flow and mitigate the risks associated with international trade. Export factoring is particularly beneficial for businesses engaged in exporting goods or services to international markets.

For expert finance consultancy for this visit:

https://www.myforexeye.com/export-factoring

[orcinus-veterinarius]

It's important to me that folks understand that it is deeply distressing to us as veterinary professionals to have to decline care due to pet owners' financial constraints. We're talking nightmares, panic attacks, break down sobbing in front of the entire ICU distressed.

We hate it, and we do everything we can to make it work for people and their pets. We are stuck in a broken system just like you are. Unfortunately, there is only so much that can be done for free before we stop being able to pay our staff, upkeep our machines, and purchase supplies.

Vets do not "only care about money," and if we did, we would be in a different field. We are not rich. I have 6 figures in debt from vet school and currently make less than I would working full time at McDonald's. Verbally abusing vet staff does not help anyone or anything, least of all your pet.

[ask-a-vetblr]

Testament to pet insurance because I feel you guys would appreciate it: I adopted my new kitten, Gargoyle, today. I had arranged for him to go to the vet 3 days ago for his first vaccines and wellness exam so I could set up his insurance asap, even though he was still going to be with his foster for a few more days. LAST NIGHT he hurt his leg and his foster mom had to take him to emerg (not broken, thank god, but it was still 800$ for xrays and pain meds). Because I had that insurance set up already (and the company waived my 30 day waiting period when I set it up), I only had to pay 200$ out of pocket! SO GLAD I got it set up the day I decided to adopt him. Moral of the story for everyone on the fence about pet insurance: get it while they're young and don't have problems yet!!!!

Anyway, here's my stinker:

He's getting around just fine, despite the cast he has to have on for the next 5 days.

vet-and-wild here.

Shameless boost to encourage more people to get pet insurance. I have it, most of my coworkers have it, and I encourage every new client to get it. It's such a game changer.

Please keep in mind though that most insurances won't cover pre-existing conditions! It always sucks when I have to tell a client that no, they can't go out and get insurance for the cancer we just diagnosed. Pet insurance also reimburses you, they do not pay up front; it is NOT like human insurance. Consider something like Care Credit if you need help paying for services up front. I have both, and so do a lot of my coworkers.

[olessan]

Re: TLovM episodes 3x07-3x09

[orcelito]

Hey I'm graduating college in may and I just kinda realized that I'll be Done Done with school after that. Not fake-done like I was graduating high school, where I'd have to go to college at the start of the fall. And not fake-done like I was in any of my semesters I took off.

Done Done. As in I accomplished my degree, and I won't ever have to go back to school if I don't want to. What a beautiful, beautiful thought.

[justinspoliticalcorner]

Dan Pfeiffer at The Message Box:

Amidst the political tumult of the last couple of months, one thing has remained constant — the economy is the top issue for voters. More specifically, concerns about elevated prices — despite declining inflation — continue to drive the political conversation. In the most recent New York Times/Siena poll of Michigan, Pennsylvania, and Wisconsin, 22% of likely voters said the economy was the single most important issue in deciding their vote — 8 points higher than abortion and 9 points higher than immigration. Dissatisfaction with the economy helped propel Trump to a lead earlier this year despite his convictions, indictments, and involvement with insurrections. This week, Trump gave a speech in North Carolina that was billed as a major economic speech, and on Thursday, he gave an interminably long press conference at his golf club regarding high prices. Yesterday, also in North Carolina, Vice President Kamala Harris gave her first major policy speech of the campaign. She also focused on high prices. Head-to-head engagement on this issue tells us a lot of very good things about how Harris and her team are messaging on the economy. Others are more qualified than I to weigh in on the substantive merits of her proposals, but the politics are promising.

Read the full policy paper on Harris’s proposals HERE, but the major tenets include:

Lowering grocery costs with the first-ever federal ban on price gouging on food and groceries;

Restoring the Child Tax Credit that provided $3,600 per child for middle and working class families;

Cutting taxes to help Americans afford health insurance on the Affordable Care Act marketplace;

Capping the cost of insulin at $35 and out-of-pocket expenses for prescription drugs at $2,000 for everyone;

Calling for the construction of three million new homes to end the housing shortage in four years; and

Providing $25,000 in down-payment support for first-time homeowners.

Even though these items represent a piece of her broader economic agenda, it is impressively comprehensive for a campaign created out of thin air less than a month ago.

[...]

3. Harris’s Economic Message

Because his fake persona as a business tycoon was imprinted on the American psyche via tabloids and reality television, Trump has always had an advantage on the economy. That advantage was magnified this cycle because he associated himself with the economic stability and lower prices during the pre-pandemic era. The best thing the Trump economy achieved was not massively fumbling all of the work Barack Obama did to rebuild the economy after the Great Recession — but I digress.

Kamala Harris’s message on the economy is what America needs.

[obstinaterixatrix]

head in hands. apparently someone used my card to make a $60 purchase from w•lmart two weeks ago and a $40 purchase today. time to go through my purchases again

[13eyond13]

the funniest thing about having to report fraud on my credit card today was the girl on the phone listing all my transactions to me to see if i recognized them and literally 100% of them were all media purchases liiiiike wow I really have 1 hobby and 1 hobby only don't I

[idkmynameiskat]

so poor people don't deserve to have animals? what a bad take

lmaooooooooo please I cannot, what the fuck?

You're reaching soooo hard to try to make me look bad. You can be rich and not deserve to have a pet just as equally as someone who doesn't have money. The difference is if you willingly put that animal at risk and/or allow that animal to suffer while not doing anything about it/not caring. That is the difference.

I personally do not have the money in my checking account (and since I don't work at a vet clinic anymore, I have no discounts so you can't even use that against me anymore lol) to take care of my cats if they get severely injured/sick/need a long hospital stay. Because I know this, I know to not let them outside where they can get fucked up and to keep up with things that keep them as healthy as possible like yearly vet exams/vaccines. Since I know I cannot afford it, I have also made sure to know what options I have in case they do get very sick/injured. It's about being responsible, making a plan, and treating your pet like a living animal that deserves to not suffer.

You're not a bad pet owner if you don't run to the vet and spend hundreds the second your pet has something small going on, and I have never once said that. As long as you are trying and ensuring your pet is comfortable and not suffering, that's all I care about. Period.

[eddiediaaz]

just realizing now there are only eleven days left before i leave for my trip holy shit??? first solo trip that is more than a couple days (i'm leaving for 15 days), first time in europe/outside of north america, first time without my cats for so long, it's gonna be fdslksdfjbdklfsjdfskjbd. i'm very excited and nervous and antsy!! i need to finalize all the planning omg.

[mayflydecember]

so like does somebody wanna buy me a new car lmao

[odinsblog]

In New York, drivers with a clean driving record but a low credit score are quoted $1,367 more for car insurance, on average, than otherwise identical drivers with excellent credit, according to a new analysis of tens of thousands of car insurance quotes.

For drivers in ZIP codes with predominantly Black residents, the gap yawns even wider: The cost of poor credit in those areas is $3,411 a year, on average.

These disparities were uncovered in a study of nearly 100,000 insurance quotes from 10 major New York car insurance companies. It was conducted by the Consumer Federation of America, a nonprofit advocacy organization.

The findings show just how much car insurance premiums can be inflated by factors that aren’t directly related to how safely a driver behaves on the road. They also reveal how a driver’s credit score can combine with their ZIP code to raise the cost of car insurance, which is mandatory for drivers in nearly every state.

“We’re talking about experienced drivers with no history of accidents or tickets facing premiums that are hundreds or sometimes thousands of dollars more, simply because of what shows up in their credit reports,” says Douglas Heller, the CFA insurance expert who led the new study. “This is unmistakably harmful to the people of New York.”

The same dynamic plays out across the country. Only California, Hawaii, and Massachusetts bar insurers from using drivers’ credit scores to set premiums. Everywhere else, a low credit score will likely raise your car insurance price, and your ZIP code could multiply the damage. (Insurers use a special “credit-based insurance score” for pricing, but it’s calculated in a very similar way to your normal credit score.)

By law, insurers aren’t allowed to use race and income to set car insurance premiums or decide whom to insure. But critics say factors like credit scores and ZIP codes can have a particularly significant effect on certain racial groups.

For example, Black, Latino, and Indigenous Americans are much more likely to have poor credit than white Americans, a reflection of decades of discriminatory policies including redlining that have limited opportunities for communities of color to build wealth.

This sets up a double whammy for drivers of color. “When you marry credit and territorial pricing, you get a disastrous result,” Heller says. “There’s an amplification of the credit penalty in majority nonwhite ZIP codes.”

(continue reading)

[girlfriendsofthegalaxy]

im at the part of the unemployment/health chores where i am continually (politely!) harassing four different entities. why isn’t my shit done. why did you lose it. hello are you alive

[twistedappletree]

i got my taste/smell back!!!

[maraeffect]

hi everyone, this is my monthly check-in <3

[palms-upturned]

Trying and failing to ignore how much worse I feel all the time than I used to and how badly I’m doing at taking care of myself and my environment and how well I used to be able to handle everything just a year or two ago compared to now is making me feel like my brain and body are both turning into toxic slutch