#first national bank bill payment assistance

[bill-tracking-tools]

3 Ways to Qualify for Loan Payment Assistance

Do you need Citizens Bank credit card payment assistance or help to pay down your loan? You're in luck. There are many great loan payment assistance programs available. The federal government created several options to cover insured mortgages and other debts during the pandemic. While many of those programs are over, you still have options.

Here are some ways you can qualify for loan payment assistance.

Changes in Employment

One major qualifier for assistance programs is a change in your employment situation. Economic shifts during the last several years resulted in millions of layoffs. People making sizable salaries were left searching for jobs in already crowded markets.

Finding a new job can take months, and assistance programs can bridge the gap. Some assistance programs require proof of your employment change and evidence that you're searching for a new job.

Low Income

Another way to qualify for loan payment assistance is to show you have a low income. Low-income individuals may qualify for assistance from private, government-backed and non-profit organizations. The exact qualifications can vary from program to program, but they typically have income thresholds. You may qualify for payment assistance if you show that you meet the requirements.

Proof of Income

One of the easiest ways to get Citizens Bank credit card payment assistance is to get a cash advance. Advances are not the same as payday loans. You may not encounter any interest or fees depending on where you get your advance. They're a safer alternative to predatory loans and can help you get back on track without sacrificing your financial well-being.

Cash advance apps often require that you provide proof of income. As long as you have money coming in, you can easily qualify for a modest advance. Use your advance to pay your loan on time, avoid late fees and protect your credit score.

These are just a few ways to qualify for loan payment assistance. There are several programs to explore. Study the eligibility requirements and investigate all options to find what form of aid is best for you.

Read a similar article about discover credit card payment assistance here at this page.

[ancaporado]

Ok, this has been getting shared again, as obviously the fiat inflationary environment is driving up the cost of living faster than wages, leading the left to call for higher wages. The real economic solution to all this is to abandon the centrally planned government monopoly on currency that drives the boom and bust cycle and drives up the asset prices of the ultrawealthy. What's annoying to me is that we can't criticize the hypothetical or real women who is being described in this situation. 0:00 "you know how to spend a $31 million a year in salary" Sure, he gets paid probably too much, cause he can secure bailouts for his corporate bank via the government. Just one year later after grilling Dimon about his salary Rep. Porter (D - CA) would vote yes to give $900 billion in corporate bailouts including JP Morgan. So let's look at the budget for this bank clerk in Irvine, CA: $35,070 Patricia has a 6y/o after tax is $29,100 which in monthly salary is $2425 1 bed apartment $1600 $100 utilities Car payment $250 Monthly gas $150 low cost food budget: $400 cheap cell phone $40 child care: $450 Budget shortfall: $567

Now the questions we're not allowed to ask, because single moms are the most deified group in our society, is where is the father? Is there no child support coming in? If not, why did she have a child with a dead beat? Why is he gone in the first place? Was is divorce? 70% of divorces are initiated by women. Was it domestic abuse? Did you seek assistance from charity for that? Is she a widow? If she was a widow why didn't you get a life insurance payment? Why are you living in this expensive city? Do you have family there? Can they assist you financially? Can they assist with child care? Can you move in with you parents? Your aunt or uncles? Any siblings? Rep. Porter wants us to ask why can't the bank pay a living wage for a 'families' to make ends meet, but this is not a family, this is a single women living alone raising the child she chose to have with a deadbeat who left her, or a husband she scared off, or a husband who was too stupid to acquire life insurance. She has no immediate or extended family, but she MUST live in one of the most expensive places in america. There is no option to move to a cheaper place, acquire roommates, or live with family. $1600 a month is way too high for this woman's budget for a place to live and simply has to accept either living with family, acquiring a roommate, or moving to a cheaper location. By the way, if she didn't pay income taxes, she would make up most of that budget shortfall, she pays $497.50 in income tax a month. Also gas taxes in California are usually the highest in the nation: taxes and fees make up $1.18/gallon. If gas was $4.36/gallon in Irvine, CA then by removing the gas tax she'd save 27% a month on her gas bill bringing that down to $111/month. No gas taxes would save her $39 a month.

Why is she driving an average of 23miles a day (assuming her minivan gets 20mpg). Why does she live so far from work? Or her kids school? Why pay that much to live somewhere and still need to drive an average of 23 miles a day, every single day? Irvine is only 10 miles across in the first place. She's driving the whole of the town and back again every single day? It's got an okay bus system just $69/month for an unlimited bus pass, getting rid of the car would save $331/month. Okay, now the $250 car payment... on a 2008 minivan... for your single child? She could easily have a smaller vehicle that would cost less to purchase, less to operate, less to insure etc... But the current KBB for a used 2008 Chrysler town and country is... $4000! Even with no money down, she should be spending closer to $120/month on the car payment (3 year loan at 6%), not $250. Factor in some insurance at $60/month, we're still talking a savings of $70/month. Again, this woman needs to eliminate her child care by either asking family, maybe her retired parents, aunts/uncles, or a sibling or in-law. Why can't she negotiate working 6 hour days M-F so she can be with the child after school, and work Saturdays while the child is with a friend or relative? $450 a month saved right there. But most of all, why the hell are you living in Irvine on such a low wage? Not everyone gets to live everywhere. It would be nice to be just minutes from the beach, Catalina island, 3 state parks... but guess what? Lots of other people want to live there too! The rent is going to reflect that. By the way, I just looked up and now the average single bedroom rent in Irvine, CA is as of February 2023 $2,726! Okay, so the elephant in the room, is that this single mom is still going to receive welfare from the state and federal government. Her real income is going to be about $51,000 if you include her housing, medical, and childcare credits, etc...

This is a woman who made a bunch of shitty life choices and we take up the slack for her and her kid so she doesn't actually have too engage with her community, family, or child's father. But i'm glad she gets to live minutes from the beach!

[paydayquid]

Short-Term Lending Direct Lenders - Apply for A Loan Online

Do you find that getting a loan from a bank is a laborious process because of the extensive paperwork and other hassles? If you apply for short term loans direct lenders online, you can get money from direct lenders without having to fill out a ton of paperwork or send any faxes, and there are short term loans UK here that can help you get financial backing without bank difficulties. The lender will locate the best offer for you when you complete a brief application form on the website, and he will send the funds securely and immediately into your bank account within 30 minutes.

Key requirements are the absolute minimum requirements for hassle-free application of short term loans direct lenders. You need to:

Be at least 18 years of age or older.

Have worked either full- or part-time throughout the previous six months.

Have a UK bank account with a balance of at least £500 and be a resident of the country.

If you adequately satisfy the aforementioned requirements, the lender will be obligated to grant you short term loans UK at fair interest rates, in the range of £100 to £1,000. Additionally, you can use the money for a variety of obligations, like paying for unexpected car repairs, housing rent, credit card payments, grocery bills, electricity bills, educational costs, and so on.

Bad credit factors including arrears, foreclosure, late payments, due payments, judgments from national courts, people voluntary agreements, insolvency, etc. are appropriate for people to use these loans without worrying about a credit check. These loans are typically intended to assist salaried people in bridging the gap between two paychecks.

Why Submit a Short-Term Loan Application to a Direct Lender?

Short term loans UK might assist you with abrupt, unforeseen needs like dental bills or auto repairs. When you don't have enough money in savings, these loans help you cover important expenses.

Payday Quid is a direct lender for short term loans UK direct lender; therefore there are no brokers or middlemen in the application process. If your application is accepted, the money will be deposited into your bank account immediately. You can be confident that we always respect your privacy and keep your entire information safe on our secure servers.

You are in charge of your funds when you apply with us. You have the freedom to decide how much money you want to borrow, for how long, and even when your monthly payments will be due. This day usually falls on your pay day. Our application is quick and simple to complete, taking only a few minutes. When you submit it, you'll immediately know if you've been conditionally accepted or not.

We can finance your same day loans UK directly into your bank account in one lump sum when we finish extra checks. Additionally, there is no need to worry about using a middleman because we are a direct lender.

You can obtain short term loans direct lenders at Payday Quid in the amount of £100 to £2,500. Depending on what works best for you, the loan can be repaid over a period of 6 to 24 months. Fast processing and first-rate customer service are our primary priorities. If your short term loans UK request is accepted, we try to send you the money the same day. Click the 'apply now' button above to get started.

[blueweave]

The evolution of contactless digital payments in India has been marked by significant technological advancements and increasing adoption rates. Wireless technologies have played a crucial role in making this ambition a reality by providing transaction speed and convenience. Contactless payments have emerged as a quick, secure, and convenient option for everyday transactions, leveraging various devices such as credit cards, smartphones, and smartwatches. This contactless payment system allows customers to complete transactions by simply tapping or waving their selected device, eliminating the need for cash or physically inputting their card. The growing popularity and continued innovation in contactless payments are poised to make it a more dominant force in the future.

Advancement of Digital Payments in India: from Barter to Contactless Digital Payments

The evolution of contactless digital payments in India has been a transformative journey. From the early days of bartering to the current era of seamless digital transactions, India has witnessed a remarkable shift towards cashless payments. The COVID-19 pandemic accelerated this trend, as people turned to digital payment methods to minimize physical contact and ensure safety. Today, Indian consumers can easily swipe and touch their cards, or enter payment information into their smartphones and tablets, making transactions faster and more secure.

Furthermore, recent developments in the digital payments landscape have accelerated this growth. For instance, IndusInd Bank launched India's first contactless payment wearable, 'Indus PayWear', in March 2024. Initially available for Mastercard holders, the service will soon be extended to other card networks as well. This innovation highlights the ongoing efforts to enhance the contactless payment experience, making it more convenient and accessible to a broader audience. As technology continues to evolve, India is poised to remain at the forefront of digital payments, with its Unified Payments Interface (UPI) and other digital payment products driving the growth of the industry.

Government Initiatives and Regulatory Support to Promote Digital Payment Adoption

 The Government of India has launched several initiatives to promote digital payment adoption and drive the growth of the digital economy. The Digital India program, launched in 2015, aimed to transform India into a digitally empowered society and a knowledge-based economy by ensuring digital access, digital inclusion, and digital empowerment while bridging the digital divide. Under the DigiDhan Mission, set up in June 2017, the government has taken several measures to promote a less cash economy and facilitate seamless digital payment experiences for all citizens. These initiatives include setting digital payment transaction targets for banks, expanding the payment infrastructure, developing the Bharat Bill Payment System and National Electronic Toll Collection program, introducing new digital payment modes, conducting awareness campaigns, improving digital and computer literacy through PMGDisha, and implementing incentive schemes for banks and fintechs.

As a result of these measures, digital transaction volumes have increased exponentially from 2,071 crore in 2017-18 to 13,462 crore in 2022-23. For the current financial year till 31.1.2024, already 14,888 crore transactions were recorded. According to Ministry of Electronics & Information Technology 2024 data, regulatory changes have supported UPI's growth, promoting its adoption through newer use cases and products based on existing UPI architecture. Increased adoption has led to an increase in UPI use across various customer segments, driving day-to-day digital payments in India. AePS has enabled access to finance among segments that rely on assisted transactions, with rising AePS transactions indicating healthy digital payment penetration. These initiatives have been critical in promoting contactless digital payment adoption and driving the growth of the digital economy in India.

Recent Trends in Contactless Digital Payments in India

In May 2024: RuPay, a product of the National Payments Corporation of India (NPCI), is thrilled to announce a special relationship with TATA IPL, revealing an exclusive wristband created for a select few playoff and finals attendance in 2024. This clever collectible wristband, part of the "RuPay On-The-Go" series, not only allows for seamless access management during events but also serves as a versatile contactless payment device thereafter. RuPay On-The-Go pioneered contactless payments, answering the needs of today's tech-savvy consumers. This cutting-edge technology simplifies transactions using fashionable accessories and wearables such as keychains, rings, watches, and wristbands.

In December 2023: ToneTag, a supplier of voice-based commerce and payments solutions, announced the launch of the Contextual Unified Secure Payment (CUSP) network. CUSP is a contextual, conversational, and edge-based proximity payment infrastructure for digital payments such as central bank digital currency (CBDC), Unified Payments Interface (UPI), and contactless tokenized debit or credit cards, according to the business. It includes safe offline data transmission to enable contactless payments and voice computing for a voice payment experience, among other features.

Future Prospects

The potential for contactless digital payments in India is very promising. Over the past six to eight years, digital payments in India have shown remarkable growth, transforming the country from being heavily reliant on cash to having a less cash-dependent economy. Digital-first transactions are now common in major cities, as well as in smaller urban and rural areas, and this trend is expected to continue. It is projected that retail digital payment transaction volumes will double by FY 2026-27, largely due to the sustained growth of UPI as a national payment channel. The recent announcement by the RBI regarding the use of conversational AI and offline payments will further emphasize the importance of UPI. Moreover, the integration of UPI with credit cards is expected to increase its usage in retail payments, particularly for small-value transactions. The combined effect of innovative technology, government policies, and changing consumer behaviour is anticipated to drive the continued expansion of contactless digital payments in India, establishing the country as a global example in the digital payments revolution.

[vesseldocumentationservice]

Why Does Your Jet Ski Bill of Sale Protect Your Purchase? The Essential Guide

When it comes to the thrill and excitement of owning a jet ski, nothing should get in the way—not even the complexities of legal paperwork. At the National Documentation Portal, we understand the eagerness of boat and watercraft enthusiasts to hit the waves as soon as possible. Yet, an essential step can’t be overlooked: securing a jet ski bill of sale.

A jet ski bill of sale isn’t just a formality—it’s the backbone of your ownership rights and an indispensable protection against future uncertainties. Whether trading up for more horsepower or choosing your first personal watercraft, this legal document ensures that your aquatic adventures are carefree.

More Than Just a Receipt Think of a bill of sale as the anchor of your jet ski’s documentation—a necessity that stands firm against potential legal tides:

Legal Proof of Ownership: It confirms you’re the rightful new watercraft owner. Protection Against Disputes: Should any disagreements surface later, this document is your first line of defense. Essential for Financing & Insurance: Banks and insurance companies often require a bill of sale before considering loans or coverage. The Crucial Elements of a Jet Ski Bill of Sale Including the correct details is paramount to a bill of sale’s effectiveness. Here’s what you must incorporate to ensure your document is up to par legally:

Buyer and Seller Information Complete names and addresses alongside contact information create clear channels of ownership and responsibility.

Vessel Details For identification purposes, a detailed description, including the make, model, year, Hull Identification Number (HIN), and any registration numbers, is non-negotiable.

Sale Information The sale price, terms of sale, payment methods, and a note on any payment agreements offer transparency and trust between parties.

Condition and Warranty An “as-is” statement or specified warranties set clear expectations about the jet ski’s condition at the point of sale.

Disclosure of Liens and Encumbrances Acknowledging any outstanding financial claims or loans on the jet ski protects the buyer from inherited debts.

Signatures and Dates These, signed by both parties and dated, serve as the formal acknowledgment and agreement to the bill of sale’s terms.

  Steering Clear of Pitfalls

Even minor oversights in a jet ski bill of sale can wave in unwelcome trouble. Remember these additional safeguards:

Legal Support A template can steer you in the right direction, but always consider legal advice for water-tight protection, especially in complex sales.

Strengthening the Document Some states might require a notary or additional witnesses—these extra steps are worth the effort to ensure the bill of sale’s solidity.

Remember, in a 2022 survey, a staggering 25% of private boat sales were marred with disputes due to inadequate bills of sale. An incomplete or inaccurate document can delay the joy of your purchase and plunge you into unnecessary conflicts.

Secure Your Jet Ski Dreams: Get An Authoritative Bill Of Sale With Us! At the National Documentation Portal, we don’t just offer guidance; we’re your dedicated mates in the voyage of boat ownership. Our proven expertise is your treasure map to a secure, legitimate, and authoritative bill of sale. Ready to make your jet ski dreams a reality? Visit our website for more information, and sail through the process with confidence.

Adventure awaits, but so does responsibility—ensure your jet ski bill of sale is as ready for the seas as you are!

For further assistance or to access a compliant jet ski bill of sale template, please visit National Documentation Portal. Our commitment is to provide you with the resources and support to secure your investment and peace of mind.

[chequpi]

Everything Foreigners Need to Know About UPI

The Unified Payments Interface (UPI) has become a cornerstone of India's digital payment ecosystem, offering a seamless and efficient way for users to send and receive money instantly. For foreigners living or visiting India, understanding UPI can greatly simplify financial transactions and enhance the overall experience. Here's everything you need to know about UPI:

What is UPI Payment?

The Unified Payments Interface (UPI) is a real-time payment system developed by the National Payments Corporation of India (NPCI). It enables users to transfer money between bank accounts instantly using a mobile phone. UPI eliminates the need for traditional methods like NEFT or IMPS, making transactions quick, secure, and convenient.

How Does UPI Work?

The Unified Payments Interface (UPI) has revolutionised the way people in India make digital transactions, offering a seamless and efficient payment system. Let's take a closer look at how UPI works, focusing on the popular UPI app "CheqUPI":

Download and Registration:

First, users need to download the "CheqUPI" app from the App Store or Google Play Store.

Upon opening the app, users are prompted to register by providing their mobile number linked to their bank account.

An OTP (One-Time Password) is sent to verify the mobile number, after which users create a secure login PIN.

Creating a UPI ID:

Once registered, users can create a unique UPI ID, often in the format [name]@chequpi.

This UPI ID serves as the user's virtual payment address, allowing them to receive money directly into their bank account.

Linking Bank Account:

To start transacting, users need to link their bank account(s) to the CheqUPI app.

The app supports multiple bank accounts, providing flexibility to choose the account for transactions.

Adding Beneficiaries:

Users can add beneficiaries by entering their UPI ID, and account number, or scanning a QR code.

Once added, beneficiaries are securely stored in the app for future transactions.

Making Payments:

To send money, users select the "Send Money" option and enter the recipient's UPI ID or select from the list of added beneficiaries.

They enter the amount to be transferred and can add a note for reference.

A secure UPI PIN is required to authenticate the transaction.

Requesting Payments:

Users can also request money by selecting the "Request Money" option.

They enter the recipient's UPI ID or select from the list of added beneficiaries, along with the requested amount.

The recipient receives a notification to approve or decline the request.

Checking Transaction History:

CheqUPI provides a detailed transaction history, showing all incoming and outgoing transactions.

Users can view transaction details, including date, time, amount, and transaction status.

Additional Features:

CheqUPI offers a range of additional features to enhance the user experience.

This includes options for bill payments, mobile recharges, DTH recharges, and more, all accessible within the app.

Security Measures:

CheqUPI prioritizes security, implementing robust measures to safeguard user transactions.

Two-factor authentication is mandatory for all transactions, requiring a UPI PIN along with device lock PIN or biometric authentication.

The app employs encryption protocols to protect user data and transactions from unauthorized access.

Customer Support:

Users can reach out to CheqUPI's customer support for assistance with transactions, account-related queries, or technical issues.

The app provides options for in-app chat support, email support, and helpline numbers for quick resolution of queries.

Promotions and Offers:

CheqUPI often runs promotional campaigns and offers for users, providing cashback rewards, discounts, and other incentives for transactions.

Users can benefit from these offers while making everyday payments through the app.

Real-Time Notifications:

Users receive real-time notifications for every transaction, providing instant updates on the status of payments.

Notifications include details such as successful transactions, pending requests, and failed transactions for quick reference.

Future Advancements:

CheqUPI continues to evolve with new features and advancements in the UPI ecosystem.

Users can look forward to upcoming updates that enhance convenience, security, and usability of the app.

Convenience:

UPI eliminates the need for carrying cash or relying on physical cards for transactions. Foreigners can easily make payments using their mobile phones.

Instant Transfers:

Transactions through UPI are completed instantly, allowing foreigners to send money to friends, pay bills, or shop online without delays.

Wide Acceptance:

UPI is widely accepted across various merchants, online platforms, and utility bill payments, making it versatile for day-to-day transactions.

Multi-Language Support:

Many UPI apps offer support for multiple languages, catering to foreigners who may not be fluent in English or Hindi.

Transparency:

UPI provides real-time transaction updates and detailed transaction history, allowing users to track their spending easily.

How Foreigners Can Use UPI:

Bank Account:

Foreigners need an Indian bank account to use UPI. They can open a Non-Resident Indian (NRI) account or a Foreign Currency Non-Resident (FCNR) account with an Indian bank.

KYC Verification:

Foreigners must complete the Know Your Customer (KYC) verification process as per Reserve Bank of India (RBI) guidelines to use UPI.

UPI App:

Download a UPI-enabled mobile app from the App Store or Google Play Store. Popular apps include Google Pay, PhonePe, Paytm, and BHIM.

Registration:

Register on the app using your Indian mobile number linked to the bank account. Create a UPI ID and set a UPI PIN.

Transactions:

Start sending and receiving money, paying bills, recharging mobile phones, and more using your UPI ID.

Tips for Using UPI:

Secure Your PIN:

Keep your UPI PIN confidential and do not share it with anyone. Avoid using simple or easily guessable PINs.

Verify Transactions:

Always verify the recipient's UPI ID and amount before confirming a transaction to avoid errors.

Check Limits:

Be aware of your daily transaction limits set by your bank and UPI app to avoid exceeding them.

Update Apps:

Regularly update your UPI app to ensure you have the latest security features and bug fixes.

Customer Support:

Familiarize yourself with the customer support options provided by your UPI app in case you encounter any issues or have questions.

Conclusion:

Understanding and using UPI can greatly simplify financial transactions for foreigners in India. With its convenience, speed, and security features, UPI has revolutionized the way payments are made in the country. Whether you're sending money to friends, paying bills, or shopping online, UPI offers a seamless and efficient payment experience for all.

Frequently Asked Questions (FAQs)

Can foreigners use UPI in India?

Yes, foreigners can use the Unified Payments Interface (UPI) in India, provided they have an Indian bank account. Foreigners need to open either a Non-Resident Indian (NRI) account or a Foreign Currency Non-Resident (FCNR) account with an Indian bank. Once they have a valid Indian bank account, they can download a UPI-enabled mobile app from the App Store or Google Play Store to start using UPI for transactions.

What are the benefits of using UPI for foreigners?

Using UPI offers several benefits for foreigners in India. Firstly, it provides a convenient and hassle-free way to make payments. Foreigners no longer need to carry cash or rely on physical cards for transactions. UPI-enabled mobile apps allow users to send and receive money instantly using their smartphones, making it ideal for various transactions such as splitting bills with friends, paying for goods and services, or even transferring money back home.

Secondly, UPI transactions are completed instantly, offering quick and efficient payments. Whether it's sending money to friends, paying bills, or shopping online, foreigners can enjoy the speed and convenience of UPI. Transactions are processed in real-time, ensuring that the recipient receives the funds immediately.

Another advantage of UPI for foreigners is its wide acceptance across various merchants, online platforms, and utility bill payments. Whether it's making purchases at local stores, paying for groceries, or booking tickets online, UPI offers versatility and ease of use.

Additionally, UPI apps often provide multi-language support, catering to foreigners who may not be fluent in English or Hindi. This feature ensures that users can navigate the app and complete transactions comfortably in their preferred language.

Lastly, UPI offers transparency and security. Users receive real-time transaction updates and detailed transaction history, allowing them to track their spending easily. UPI transactions are secured with two-factor authentication, including a UPI PIN and often a device lock PIN or biometric authentication, ensuring the safety of transactions.

How can foreigners start using UPI in India?

To start using UPI in India, foreigners need to follow a few simple steps:

Open an Indian Bank Account: Foreigners must have an Indian bank account, such as a Non-Resident Indian (NRI) account or a Foreign Currency Non-Resident (FCNR) account.

Download a UPI-Enabled Mobile App: Once the bank account is set up, foreigners can download a UPI-enabled mobile app from the App Store or Google Play Store. Popular UPI apps include Google Pay, PhonePe, Paytm, and BHIM.

Registration: Register on the UPI app using the Indian mobile number linked to the bank account. Create a unique UPI ID, which is usually in the format [name]@[bank], and set a secure UPI PIN.

Start Transacting: With the UPI app set up, foreigners can start sending and receiving money, paying bills, recharging mobile phones, and making various other transactions using their UPI ID.

What are some tips for foreigners using UPI in India?

Foreigners using UPI in India can benefit from the following tips to ensure a smooth and secure transaction experience:

Secure Your UPI PIN: Keep your UPI PIN confidential and do not share it with anyone. Avoid using easily guessable PINs such as birthdates or phone numbers.

Verify Transaction Details: Always double-check the recipient's UPI ID and the transaction amount before confirming a payment. This helps avoid errors and ensures that funds are sent to the intended recipient.

Know Your Limits: Be aware of the daily transaction limits set by your bank and the UPI app. This prevents exceeding the maximum transaction amount allowed per day.

Update Your UPI App: Regularly update your UPI app to the latest version available. Updates often include security patches and bug fixes, enhancing the overall security of the app.

Use Customer Support: Familiarize yourself with the customer support options provided by the UPI app. In case of any issues or queries, you can reach out to customer support for assistance and guidance.

Is UPI widely accepted in India?

Yes, UPI is widely accepted across India at various merchants, online platforms, utility bill payments, and more. The versatility of UPI makes it a preferred choice for digital payments, offering convenience and efficiency to users. Whether it's making everyday purchases, paying bills, or transferring money to friends and family, foreigners can rely on UPI for a seamless payment experience.

Can foreigners transfer money internationally using UPI?

No, UPI is designed for domestic transactions within India. Foreigners cannot use UPI to transfer money internationally. However, they can use other methods such as wire transfers, international bank transfers, or online remittance services to send money abroad from their Indian bank account.

Are there any fees associated with using UPI for foreigners?

Generally, UPI transactions for individuals are free of charge. Most UPI apps do not impose fees on users for sending or receiving money. However, it's essential to check with your bank or UPI app for any specific fees or charges that may apply, especially for certain types of transactions or services.

[vivacapital19]

Interstate Capital Reveals Greatest Small Enterprise Bookkeeping Mistakes

These unpaid invoices might lead your organization to discontinue accepting new and bigger projects. Stop fighting cash deficiency and turn to development factoring right Best factoring company el paso now. Most trucking factoring companies have advance charges that run from 70% to 90%. Our advanced charges are much higher'from 90% as a lot as a full advance with no reserve held back.

We match shipments domestically and internationally for thousands of shippers and carriers to be able to keep business shifting. Our staff play a crucial position within the success of everyone within the Landstar system. That’s why we offer competitive salaries and excellent worker benefits.

There are also over 25 parochial colleges and 50 private colleges within the space. Welcome to Atlas Factoring LLC, where we all know that working a business isn't any easy feat. You’ve got invoices that aren’t due yet, distributors who haven’t paid, and the list goes on. Since we can’t personally offer our gratitude to all truck drivers across the nation – that may be fairly a haul, wouldn’t it?

If your reply is yes then our factoring applications definitely might help you land that buyer. It can cost you plenty of expense and time to deal with these items your self, and whenever you work with us, these back-office services are included in your invoice factoring charge. Once you are setup for invoice factoring you get funded in 3 straightforward steps. First, you deliver your order/service to your customer. Next, you send us your invoice and supporting paperwork. Upon verification your invoice proceeds are sent to you, typically within 24 hours for returning clients.

Small enterprise homeowners are best to seek the guidance of Nationwide Capital Funding as they specialize in helping newly shaped companies attain capital. Prodigy and Gulf Coast are good Factoring companies el paso tx matches for companies working in almost any industry. Our invoice factoring program is like carrying a bank card in your pocket.

However, rates could change when you get your state’s recommended protection amount, which is $719,000 for Texas. Based on MoneyGeek’s analysis, MassMutual has the bottom life insurance coverage quotes in El Paso for a $250,000 coverage, at a mean monthly premium of $9 for males Factoring companies in el paso tx and $8 for ladies. "Once folks see how a factor fee works, they realize the entire payback is not so completely different and will even save them money," Armendariz adds.

Upon verification your freight bill proceeds are despatched to you, sometimes within 24 hours for returning clients. We’ll ship your freight bill to your buyer as nicely as collect the fee out of your customer in accordance with the payment phrases such as 30 days. We have your company's best interests and success in mind.

If your San Antonio enterprise is very small we are ready to introduce you to our community of “micro” factoring companies who assist even the smallest of companies. We interact professionally at all times together with your customers as we know your buyer relationships are the lifeblood of your company. We place calls in your behalf to examine Top factoring company el paso on fee standing, we make notice of verify dates which we are in a position to share with you in addition to pass alongside any messages to you. Essentially, we turn out to be your Credit and Collections Department for factored invoices which frees up your time and your workers's time to do different extra productive issues.

For truckers and particularly trucking companies, money circulate keeps the tank full, the wheels greased, the freight loaded, and the driver pleased. It’s on the core of every thing we do to help maintain trucking companies in enterprise. Apex's freight factoring is world-class with a devoted El Paso invoice factoring concentrate on customer support. But we do rather more than purchase freight invoices, we provide our factoring clients with a truckload of companies all aimed at preserving the cash flowing.

Review each listing of factoring companies and examine to study extra about their backgrounds and specialties, choosing the provider that's best for you. You can even study what dimension corporations factoring companies serve, what dollar amounts they factor, what finance services they offer, whether or not they are IFA members and extra. As a Texas Factoring company, we are not a loan company.

[worldwideanalysis]

Saudi Arabia Digital Transaction Management Market To Touch $1,288.27 Million by 2030

Time is money in the world of business. Business owners are constantly seeking methods to be more productive and save time. Utilizing digital transaction management is one approach to do this. DTM is a procedure that aids firms in managing and tracking their electronic transactions. This might range from billing and payments to tracking and delivering orders.

Using DTM has a lot of advantages. It can, first and foremost, save enterprises time. Many transaction procedures may be automated by organizations using DTM, saving them time from manually entering data or handling payments.

The main development factors for the Saudi Arabia digital transaction management market are the increasing desire for moving company activities to digital platforms and technological improvements. The industry is anticipated to earn $1,288.27 million in revenue in 2030 as a result of the above reasons.

DTM can assist companies in enhancing their customer service. Electronic order and delivery tracking enable businesses to update their clients on the status of their orders. As a result, there may be fewer customer complaints made to firms.

Initiatives of Government Is Surging in Digitization

Due to Saudi Arabia's solid digital infrastructure, which ensures corporate continuity, and educational activities, and enables residents to satisfy their needs and go about their everyday lives, it has been able to deal with COVID-induced crises.

Additionally, the nation has increased the efficiency of digital services by working with the private sector to reach over 3.5 million homes with fiber-optic networks, boosting internet traffic by 30% during the epidemic, and raising internet performance from 9 Mbps in 2017 to 109 Mbps in 2020.

Information and communication technology (ICT) is established as a key pillar for the nation's future growth in the Saudi Vision 2030 agenda.

Since a few years ago, a couple of Saudi ministries have been aggressively pursuing ICT agendas, and this activity is expected to pick up speed as they attempt to accomplish the recent short-term goals established by the National Transformation Programme.

As a result, the NTP has established the framework for innovation driven by digital transformation, which has led to its recognition as a growing trend in the nation's industry for digital transaction management.

Growing Acceptance of Cloud Solutions

Businesses may streamline their current operations with the aid of digital transformation, which is driving the market for digital transaction management. For instance, Saudi Payments introduced "sarie," an immediate payment system, in collaboration with Mastercard Inc. and IBM Corporation, with the supervision of the Saudi Central Bank.

This partnership would support payment advancements in the kingdom and be in line with Saudi Payments' objective to enhance the financial ecosystem of the nation, particularly via the adoption of speedier payments and advancements in banking reconciliation.

Further technological developments are opening the door for DTM solutions that are more secure, which is supporting the DTM industry.

Digital advancements have transformed civilizations and conceptions while producing new technology like cell phones, intelligent robots, and digital currencies.

[triumph12365]

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The typical repayment term for a non-SBA equipment loan is one to five years, but there are some lenders who present 10 year reimbursement phrases. Generally, small business house owners will see the best charges and longest terms through a conventional financial institution or with an SBA mortgage. Since leasing corporations assume there might be a residual worth within the equipment at the end of the lease, they'll provide decrease rental funds which equals a money saving to you. Some forms of term debt can intervene together with your company's future financial construction. The Financial Accounting Standards Board (FASB) considers lease rental payments as an expense, not a debt, underneath many lease agreements. A key advantage of business equipment leasing is that it permits 100% financing, and the time period of the lease may be matched with the helpful lifetime of the equipment.

Financing equipment is a cheap and tax-efficient means for your corporation to amass belongings (whether new or used). Accord considers nearly all asset sorts together with in-place, used and non-conventional equipment. We’ll be joyful trucking equipment financing to work with you to establish and customize business financing options that meet your unique needs. Team Financial Group’s commercial equipment financing choices can improve your business’ cash flow and total financial well being.

Hence, versus saving money for an extended interval for purchasing equipment, you can save money for needed expenses or emergencies. As a matter of truth, you can't run a profitable business with out getting the required equipment first. Equipment Financing allows companies commercial equipment financing to increase income and reduce bills. Don't hassle elevating money from family and friends for begin up firm equipment capital. Trust Capital can simply assist you to get all the mission important equipment you need for your new company.

[centenarybank]

Online Banking Login

However, alerts could include your name and some information about your accounts, corresponding to your account balance or due date. Anyone who has entry to your messages might view the alert data. Future scheduled or recurring transfers scheduled for a weekend or a non-business day shall be processed on the prior enterprise day. Upon your receipt of a RFP, you could online banking respond by making a payment in an quantity you designate to the Payee submitting that RFP or you'll find a way to elect to disregard the RFP. You could make a one-time immediate cost or a future-scheduled payment in response to a RFP. You might make payments 24 hours a day, 7 days a week, including weekends and holidays.

You should be capable of search transactions by time-frame and sort, similar to a bank card cost. The one benefit that traditional banks and credit unions have had over their online counterparts is the ability to withdraw funds utilizing an ATM. Increasingly, online banks and credit unions are offering entry to a network of ATMs that will not charge you a charge. Some monetary establishments will reimburse your ATM fees up to a certain amount each month. If you’re seeking to exchange your current bank, give consideration to the general package. Look for an online bank that keeps fees and minimal necessities low, presents high APYs and provides easy access to your money via ATMs and mobile apps.

As for the satisfaction, citizens are usually more satisfied with the e-banking companies provided by various banks after they have a various portfolio of companies and provide quick and simple completion of transactions. Traditional banks and credit score unions with branches typically let customers access their accounts through the internet, too. But online banks and providers supply primarily cell entry. You won’t meet a banker face to face, but with a cell gadget or laptop, you'll be able to reach your account anytime.

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Online-only banks require you to open a checking account online; there’s no choice to go to a branch to open an account. A good online bank might be part of an ATM community, like Allpoint or MoneyPass, with 1000's of fee-free machines nationwide. If you should withdraw money from a non-network machine, some online banks may also reimburse any fees the ATM proprietor costs. We've answered essentially online banking the most frequently requested questions and created simulator demos that will help you discover online banking. Click the hyperlinks below to learn more about a specific function. Be positive to click on “start demo” once you’re prepared to begin.

If you open a new Old National accountonline, you probably can enroll in Digital Bankingimmediately. Deposit a check safely and securely along with your smartphone. Convenient Debit Mastercard that doubles as an ATM card. It's the easy method to pay in all places you see the Mastercard emblem.

When you go to your native banking middle office, you realize our faces and we know yours. Enhanced Online Security does the same factor over the internet. We examine the pc or system that you are using to access the website. Typically you entry the net site from one or two completely different computers such as your personal home and work computers. Information that's a few days, or even a few hours, old is commonly of little worth.

You are liable for making certain that you simply exit or sign off the CitizensOnline application when not in use. It is obligatory that you just submit a cell number to us for two-factor authentication . We will not give you a CitizensOnline profile should you fail to submit a cellular number since two- factor authentication is critical for the utilization of CitizensOnline. Depending on the purpose and value of the transaction the necessities could range and as such you might be required to make contact with your department for additional information.

With online banking, race discrimination is even less prone to be pinpointed, due to intransparent decision-making by algorithms. The Bank of the Cook Islands introduced online banking in 2015, beneath the leadership of Vaine Nooana-Arioka. In January 2015, WeBank, the online online banking bank created by Tencent, began 4-month-long online banking trail operation. Some banks operate as a "direct bank", the place they function totally by way of the internet or internet and phone.

[paydayquid]

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For those who are coping with circumstances that affect credit negatively, such as defaults, arrears, foreclosure, missed payments, judgements from national courts, voluntarily entered into individual agreements, or insolvency. Now people may easily apply for same day loans UK and obtain the necessary funds without worrying about a credit check. The purpose of lenders is to give money to salaried people in the UK.

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Do Same Day Loans UK represent my only choice?

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[icarus-suraki]

Since I seem to enjoy Starting Shit on the Internet today, I'm going to share some thoughts on the OnlyFans debacle.

First: sex work is real work. I said it, I believe it, that settles it.

It seems a lot of people (often young women, I've noticed?) are really celebrating OnlyFans banning all NSFW content. They’re having a great time saying things about how they hope all the (cis) men who liked NSFW OnlyFans content die mad about the NSFW ban and so on. It’s downright gleeful. And it seems like they're celebrating on the grounds of stopping trafficking and protecting minors and so on. And that's a noble thing, ending trafficking and protecting minors--do not misunderstand me: trafficking and abuse of minors is a real and serious issue and I absolutely support ending trafficking, rescuing victims, and protecting minors.

It is my opinion (insert Vine here) that OnlyFans banning NSFW content is going to hurt sex workers and also will do absolutely nothing to protect minors or stop trafficking.

A considerable number of people here in the US lost their jobs during the pandemic. And, among those people, are those who desperately need income. They're of age, they're legally allowed to do these things, and they need some way to survive. And, in the absence of a UBI or even a country that seems to care about the wellbeing of its own citizens, you have to find a way to survive. And a lot of the people who found themselves unemployed discovered that they could earn enough of an income through OnlyFans to actually survive. They could keep the lights on, get food, pay for medication, put gas in their car so they could drive to job interviews. It became a means of self-employment.

Are you thinking of the people on OnlyFans and elsewhere who are doing sex work as actual people? Or are they just a mass, just a concept, onto which you can project your ideals of Purity Culture? You’re giggling gleefully about unhappy men with blue balls, but I feel like you’re forgetting the women who are still stuck in a Capitalist situation.

"But they didn't start doing it willingly!" You can't prove that that's true for everyone on the site. You cannot prove that. You do not speak for everyone. Maybe some people turned to OnlyFans out of desperation, sure. But others may have felt relieved that they had it there. Others may have even felt liberated or enjoyed the work. I don't know. And you don't know either.

"But if you make sex work legal, that makes trafficking easier!" Yes, yes, I've seen the whole "Nordic System" argument. I've read it. My issue with it is that everyone is using it in the wrong way.

Remember when Oregon decriminalized possession of small amounts of most drugs? It was a decision made on the grounds of harm reduction. If you won’t get arrested for having some crack in your pocket, you can feel safer. Look at what the War on Drugs has accomplished: legal slavery and police brutality. It doesn’t work. And it’s an excellent experiment to try something else.

If sex work is declared protected or legal (and banks and credit cards cannot therefore refuse payment made to legal providers of the service), then any sex worker who is threatened, abused, harmed, attacked can make a report without fears of repercussions for doing sex work. Do you know how many sex workers are killed? If only there were some way to report a threat or a risk to the police without repercussions...

Beyond that: if someone is trafficked and they make a report about what's happening to them, it can be taken seriously because sex work is considered a legitimate area and trafficking would be very much outside the laws related to sex work. Same thing with minors in the same situation: it’s outside the laws, so it’s a crime, but someone reporting it would not be held as a criminal themselves. Collateral damage.

To go back to Oregon for a minute: if you decriminalize possession of small amounts of drugs, are you going to stop drug deals altogether? No. Oregon knows that too. But you can assist the people who do use drugs when they come forward with information about, say, murders connected to drug deals. And you can also provide a means for them to leave their situation if they so choose. 

Yes, ACAB, but we can at least provide a measure of protection to people who need assistance. See how this works? If a sex worker knows about minors being abused or trafficking going on and they make a report about it, they themselves don't have to worry about getting caught up and charged for also being engaged in sex work.

More protection for more people.

Lastly, and this might make you mad, you can thank the US Conservatives for a lot of this.

It’s the good ol’ Moral Majority come back from the dead. Again.

Any time someone yells about pedophiles or trafficking, it gets everyone concerned--and rightly so. But the problem is that it immediately becomes "if you're not overtly against it, then you must be tacitly for it, so agree to this bill." And so, anyone who's progressive or vaguely left-leaning signs off on legislations or statements about how sex work is bad and sinful.

But in doing this one thing, the US Conservatives and especially the Conservative Evangelicals of the US, can then convince more and more people to sign off on a longer and longer list of laws or beliefs that the Conservative Evangelicals want to push through. That’s their goal: to push through their ideas of a Good and Wholesome Christian Nation, with all the white supremacy and misogyny and homophobia and transphobia that entails.

So you start off with the existing laws regarding sex work, then you start sliding into "all of these kinds of sex work are illegal" and then "all sex work is illegal" and then "all pornography of all kinds is banned" and then you start slipping into lawmaking like ending access to birth control (because that encourages casual sex) and ending the rights of LGBTQ people (because "perversion"). You've seen it before, you could see it again. (And yet we can't seem to get child marriage completely banned in the US. Funny how that works.)

I don't mean to "slippery slope" this stuff but, trust me, it seems bad now but it can get so much worse. And I hope it doesn’t get worse.

“If you’re a feminist, how can you be in favor of sex work?” Because sex work is work. And, if you look back through history, you’ll find that banning sex work and punishing sex workers didn’t make things better, it drove everything down deeper and made everything worse. Less safety, less security, more risk, more punishment.

It seems like a shallow version of feminism if all you’re doing is sneering at cis men and turning up your nose at sex workers. I think you ought to reexamine your beliefs.

[rapeculturerealities]

For millions of working women, the coronavirus pandemic has delivered a rare and ruinous one-two-three punch.

First, the parts of the economy that were smacked hardest and earliest by job losses were ones where women dominate — restaurants, retail businesses and health care.

Then a second wave began taking out local and state government jobs, another area where women outnumber men.

The third blow has, for many, been the knockout: the closing of child care centers and the shift to remote schooling. That has saddled working mothers, much more than fathers, with overwhelming household responsibilities.

“We’ve never seen this before,” said Betsey Stevenson, a professor of economics and public policy at the University of Michigan and the mother of a second grader and a sixth grader. Recessions usually start by gutting the manufacturing and construction industries, where men hold most of the jobs, she said.

The impact on the economic and social landscape is both immediate and enduring.

The triple punch is not just pushing women out of jobs they held, but also preventing many from seeking new ones. For an individual, it could limit prospects and earnings over a lifetime. Across a nation, it could stunt growth, robbing the economy of educated, experienced and dedicated workers.

Inequality in the home — in terms of household and child care responsibilities — influences inequality in the workplace, Misty L. Heggeness, a principal economist at the Census Bureau, concluded in a working paper on the pandemic’s impact for the Federal Reserve Bank of Minneapolis. Without a more comprehensive system of support, she said, “mothers will forever be vulnerable to career scarring during any major crisis like this pandemic.”

The latest jobs report from the Labor Department showed that some of the damage was reversed last month as the service industry revived, nudging down the jobless rate for women to 6.5 percent, slightly below men’s. But there were still 4.5 million fewer women employed in October than there were a year ago, compared with 4.1 million men.

And according to the Census Bureau, a third of the working women 25 to 44 years old who are unemployed said the reason was child care demands. Only 12 percent of unemployed men cited those demands.

Laci Oyler has felt that pressure. Her husband, employed by a large printing company, was already working from home when the pandemic shuttered day care and schools in Milwaukee. But after two days of taking care of their two young sons, “he said, ‘Absolutely no way,’” Ms. Oyler explained. So she cut her weekly hours as a mental health counselor for Alverno College, a small Catholic institution, to five from 32.

In August, when she learned that public schools would continue to offer only online classes for the fall, Ms. Oyler decided she had little choice but to take an unpaid leave.

This month, she decided to resign.

“Work is so much more than what you’re taking home as payment,” Ms. Oyler said. “But when you look at that bottom line of risk versus reward, it doesn’t seem worth it,” she added, referring to the cost of child care combined with the possibility of coronavirus infection for her or her children.

As a licensed professional, Ms. Oyler does not expect to have difficulty returning to the work force when she is ready. But for most working women, dropping out to take care of children or other family members exacts a sizable toll, several studies have shown. Rejoining is hard, and if women do, they generally earn less and have less security. And the longer someone is out of work, the tougher it is to get back in.

Claudia Goldin, an economics professor at Harvard, said this was the first recession where the economy was so intertwined with the network of child care.

“During the Great Depression, no one cared about the care sector,” she said. “Women weren’t in the labor force, and they weren’t supposed to be.”

One reason that Congress started giving financial assistance to poor households headed by women in the 1930s, under a program originally titled Aid to Dependent Children, was so they could stay home with their children and not compete with men for jobs, Ms. Goldin said.

Only during World War II, when women were urgently needed in factories and offices to replace men who were in the military, did the government establish a far-reaching federally subsidized network of nurseries and child care centers in nearly every state. Once the war ended, so did the support.

“You cannot have a contented mother working in a war factory if she is worrying about her children, and you cannot have children running wild in the streets without a bad effect on the coming generations,” Senator Carl Hayden, an Arizona Democrat, testified in 1943.

Women make up roughly half of the country’s work force. They range from entry-level to professional, they live in urban, suburban and rural areas, and they often care for toddlers and teenagers. But the burdens of the pandemic-induced recession have fallen most heavily on low-income and minority women and single mothers.

Members of these overlapping groups often have the most unpredictable schedules, and the fewest benefits, and are least able to afford child care. They fill most of the essential jobs that cannot be done from home and, therefore, carry the most risk for exposure to the virus. At the same time, they make up a disproportionate share of the service industries that have lost the most jobs. The jobless rate is 9.2 percent for Black women and 9 percent for Hispanic women.

When the pandemic caused housecleaning jobs to dry up, Andrea Poe was able to find cleaning work at a resort in Orange Beach, Ala., about a 45-minute drive from Pensacola, Fla., where she and her 14-year-old daughter, Cheyenne Poe, had moved in with an older daughter, her fiancé and their five children.

The families were behind in the rent and threatened with eviction when Hurricane Sally ripped through the coast in September. To escape the floods, they piled into two cars, drove to Biloxi, Miss., and spent five nights in a Walmart parking lot.

Now Ms. Poe and Cheyenne, who has turned 15, are in Peoria, Ariz., living in a room in her mother’s trailer.

She said she was applying for jobs every day, so far without luck. And the bills keep coming. Ms. Poe has missed two consecutive loan payments on her car and worries that it will be repossessed.

“I’m just hoping my unemployment checks come through so my car doesn’t get taken away,” she said. “If I lose my car, I’ll never be able to get a job.”

Women with more resources are in a better position, but they struggle in other ways.

When the pandemic ripped through Seattle and compelled Kenna Smith, 37, to work from home, she initially saw one upside — a chance to spend more time with her 3-year-old son.

“At first, I thought I’d just focus on my child,” said Ms. Smith, who had just started a branding and design company, Wildforth Creative. “It was fun for a while, but then the stress was intense.”

Like many families who were worried about the risk of infection or short of money and space, Ms. Smith and her husband let their son’s nanny go. Her husband, project manager for a general contractor, worked out of their bedroom.

“I’m not sure why it totally fell on me,” Ms. Smith said of child care. “I’m out in the living room, dining room area with a whole bunch of toys strewn about, with my laptop, trying to run my business.

“I was wanting to work and wanting my business to succeed so badly,” she said. “I didn’t realize. …” She paused, interrupted by a voice: “Mommy, I want some applesauce.”

The couple recently decided to hire a part-time nanny, concluding that despite the expense, it was the only way both could keep working. (Ms. Smith’s sister is also helping out.)

From 2015 until the pandemic, women’s increasing participation in the work force was a primary driver of the economy’s expansion, said Ms. Stevenson, the Michigan economist. “It’s why the economy grew the way it did, why employers could keep hiring month after month,” she said.

Since February, women’s participation in the labor force has been falling, with the biggest decreases among women without college degrees who have children.

Changes forced on women by the pandemic elicit a mixture of anxiety and hope.

Many women worry that the changes will sharply narrow women’s choices and push them unwillingly into the unpaid role of full-time homemaker.

And the impact could stretch over generations, paring women’s retirement savings, and reducing future earnings of children now in low-income households.

“We are creating inequality 20 years down the line that is even greater than we have today,” said Ms. Stevenson, who was a member of President Barack Obama’s Council of Economic Advisers. “This is how inequality begets inequality.”

Yet there is also the possibility that the mounting pressures could create momentum to complete the unfinished project of fully integrating women into the work force by providing a system of family support — like affordable child care and paid parental and sick leave.

“I think we’re really at a crossroads,” said Julie Kashen, director for women’s economic justice at the Century Foundation and one of the authors of a new report on the pandemic and working women. “We’ve never built a workplace that worked for people with caregiving responsibilities.”

[antoine-roquentin]

First Deputy Mayor Dean Fuleihan sent the union a letter saying the budget impact of the pandemic was “debilitating and not yet fully known,” and the city couldn’t afford to pay a lump sum due to active and retired teachers scheduled for this month under a 2014 agreement.

“It is the City’s desire to avoid the necessity for layoffs, and to make a retroactive payment at this time would therefore be fiscally irresponsible,” Mr. Fuleihan’s letter said.

The dispute comes during a hectic and tense back-to-school season. In August, the union threatened to strike if the city didn’t meet its standards for making schools safe, prompting a delay in reopening. Many teachers have expressed frustration with a reopening that has been full of confusion over class schedules, job assignments and insufficient technology for children studying online from home.

“We’re in for another fight,” Michael Mulgrew, United Federation of Teachers president, told members Thursday night in a video message.

The pandemic has brought on the worst fiscal crisis in the city since the 1970s. It faces a $9 billion deficit over the next two years. Dwindling tax revenue forced Mayor Bill de Blasio and the New York City Council to reduce or eliminate services in the city budget they approved in June.

To cut costs, the mayor has mandated weeklong furloughs for about 9,000 government workers. He also has warned that he will have to lay off 22,000 employees if state lawmakers don’t give the city the authority to borrow billions of dollars. 

in the world of finance, stakeholders are paid according to the level of pressure they can mount on a bond issuer. once upon a time, new york city prioritized its employees over its financial stakeholders. it hoped to draw high profile talent through well-paying jobs. in 1975, banks said, forget it:

New York City’s bonds, issued by the MAC, plunged to between twenty dollars and forty dollars per thousand-dollar face value, and city note-holders began to line up at the Municipal Building in an attempt to redeem whatever they could. That morning, Rohatyn told the press that everything hinged on the teachers’ union: “The future of the city is in their hands.”

It was more than just the future of one city. New York’s bonds were held by banks throughout the United States and around the world. By some estimates, New York’s default would bring down at least a hundred banks, and expose others to liability for selling suspect or fraudulent products.

Economists warned that New York’s default would hurt the dollar abroad. The Dow dropped ten points at the opening bell, the price of gold began to rise, and, as reported by the United Press International wire service, “trading of bonds of other cities and states slowed to a near standstill, and even the prices of most credit-worthy bonds fell.” One newspaper in North Carolina ran a cartoon of a bum lying on trash, under the Brooklyn Bridge, with the caption, “We’re going down, America, and we’re taking you with us.”

President Ford began hearing from leaders around the world about the dangers of a New York default. His press secretary, Ron Nessen, said that Ford would continue to monitor the situation throughout the day, but wouldn’t change his mind about granting assistance to the city. In Nessen’s words, “This is not a natural disaster or an act of God. It is a self-inflicted act by the people who have been running New York City.”

it was the world’s second neoliberal coup, by accident:

In the United States, as Reagan’s speech suggested, New York’s story would be held up time and again as a cautionary tale of the dangers of Great Society liberalism and the virtues of the free market and private enterprise. Reflecting on the crisis ten years afterwards, Felix Rohatyn observed that it had “redefined the political dialogue” in New York City. The crisis had underlined “in the most brutal way possible the limits of any unit of government to create money itself and to promise all things to all citizens without a very solid private sector base.” In the future, he said, there would be an understanding that “business has to be supported and not just tolerated.”

The framework of “crisis” generated a sense of inevitability, making it seem that there were no alternatives.

Rohatyn was right: The nature of political life changed markedly after the crisis. There was no premeditated plan to seize and transform New York’s government, nor were the actors who gained power during the crisis acting upon an ideology constructed in the abstract. But the scare of the near-bankruptcy brought together the elite groups within the city, and enabled them to act in concert in ways that otherwise would have proved difficult to attain. The framework of “crisis” generated a sense of inevitability, making it seem that there were no alternatives. Across the Atlantic, “there is no alternative” would soon become one of Thatcher’s favorite slogans.

Upending common wisdom about the proper role of city government, the crisis marked the beginning of a new age. A corporate and financial elite, along with technocratic politicians responsive to that group, gained control over New York. They could be counted on to prioritize the interests of business and the wealthy; indeed, they often regarded that as the only way to help the city. This new perspective closed off an older vision of New York, shutting down debate over whether city government should seek to guarantee a set of social rights for all. New York City still has not transcended this constriction of its politics. Neither has the nation as a whole.

nowadays, the needs of the people of new york always have to take a backseat to the people who buy into its bonds.

[vivacapital19]

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It only takes a couple of minutes to apply and, relying on the mortgage sort, 24 hours to obtain a call. Small business loans let eligible enterprise house owners borrow funds to cowl company-related purchases and operating expenses. Whether you’re just beginning your small business or attempting to develop, one of the best small enterprise loans may help you entry the capital your corporation needs to thrive. Factoring services allow businesses to receive cost on their outstanding invoices within days as an alternative of ready weeks or months for purchasers to pay.

You can apply for enterprise loans, strains of credit, SBA loans, equipment financing, merchant cash advances (MCAs), industrial mortgages, invoice factoring and enterprise acquisition loans. However, because Lendio is a market and never a lender, it doesn’t publish particular phrases. Instead, you’ll have entry to its lending companions, and it will assist you to discover the most effective offer in your particular needs.

This type of partnership shall be extraordinarily helpful in many ways and also will differentiate your business from the competitors. 1st Commercial Credit provides credit services for patrons that want to increase cost terms to suppliers. A platform designed for suppliers and consumers to approve and pay invoices online with optionally available early payment discounts. These factoring corporations for trucking provide clients best los angeles factoring company a chance to use the service earlier than fully committing. CIT worked closely with the growing attire company to create a versatile arrangement to assist the corporate's unique working capital and accounts receivable administration wants. The 7(a) loans are made by banks, credit unions and different lenders who partner with the SBA, which, in flip, supplies a government-backed guarantee of up to $5 million on portions of loans.

When the invoice is paid, it retrieves those funds into the Repayment account. Depending on the rules it agreed on with its own investors, perhaps Invoice.ly “recycles” those funds a set quantity of instances earlier than returning them to traders, or perhaps it cycles indefinitely. The spot rate carriers are the ones that factor and have the opportunity to grow, and we noticed Invoice factoring services los angeles that play out over the last two years. With the provision chain inching toward some level of normalcy, shippers, carriers and elements are nonetheless going through plenty of challenges in 2023. There are numerous steps you possibly can take if you’re denied a small enterprise loan.

They can also join you with present customers who will let you know first-hand concerning the quality of service they obtain. Our factoring service will help you with your business to develop and also to have the monetary freedom. GUD Capital is a nationally acknowledged leader within the financing trade for providing one of the best business lending options available. We leverage our network of four,000 competing industrial lenders to provide your business the most important choice of business financing options. Most factors borrow money, so when they are highly leveraged, they get squeezed. Now, part of that's as a result of we have misplaced creativity on serving our shoppers effectively, while maintaining give consideration to long-term profitability.

This sort of economic backing is a superb choice if you rely on prospects paying their bills. There are no hidden factor fees or leveraging towards the business, so you understand precisely what to expect. Outstanding invoices could top factoring company los angeles be debilitating as a outcome of they cut back the important capital needed to maintain business operations. For this cause, it’s essential to seek out extra finance choices that can supplement office costs.

The written request should state that it is a request for a Certificate of Search and embrace the entire name of the finance company for which the search is being requested. Department information contain solely the name of the licensee as it appears on the license. Once you realize why your loan utility was rejected, take steps to rectify the underlying issues.

For many apparel manufacturers, 2020 and now into 2021 will be endlessly remembered as probably the most reactive period of entrepreneurship. Those pressured reactions occurred with stakeholders, lenders, supply chains, prospects and the method to pivot with the various onslaught of inputs through the yr. 2021 presents a possibility to be extra proactive as attire manufacturers reevaluate their business models for the year. Some companies continue to make use of a factoring company long after they really want to. A factoring company will send out bills for you and gather on the back debt. You can save hundreds of dollars a year on personnel when they handle your back workplace be excellent for you.

With an intensive background in WordPress CMS and Digital Marketing, she loves the digitalization of trade and is fascinated about its impression on everyday transactions. Factoring companies are one thing truckers who're just getting began regularly use. But a recent case is a cautionary tale of what can occur in a worst case scenario. Iowa 80’s senior vice chairman talks about the new title, and whether there are any plans for the largest truck stop to get even bigger.

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Tuesday, July 6, 2021

Canada Battles More Than 180 Wildfires With Hundreds Dead In Heat Wave (NPR) Emergency responders in Canada are currently battling more than 180 wildfires in British Columbia amid an intense heat wave that has left hundreds dead in the Pacific Northwest. About 70% of the active fires were likely caused by lightning strikes, according to the British Columbia Wildfire Service’s dashboard. Chris Vagasky, a meteorologist with the company Vaisala, says a lightning detection network uncovered more than 700,000 lightning strikes in the area between June 30 and July 1. The fires come amid a massive heat wave for the region.

Canada, US are easing pandemic border-crossing restrictions (AP) Pandemic restrictions on travel between Canada and the U.S. began to loosen Monday for some Canadians, and Prime Minister Justin Trudeau said plans to totally reopen the border would be announced over the next few weeks. Canadian citizens and permanent residents who have had a full dose of a coronavirus vaccine approved for use in Canada can skip a 14-day quarantine that has been a requirement since March 2020. Eligible air travelers also no longer have to spend their first three days in the country at a government-approved hotel. Restrictions barring all non-essential trips between Canada and the United States, including tourism, will remain in place until at least July 21.

Summer swelter trend: West gets hotter days, East hot nights (AP) As outlandish as the killer heat wave that struck the Pacific Northwest was, it fits into a decades-long pattern of uneven summer warming across the United States. The West is getting roasted by hotter summer days while the East Coast is getting swamped by hotter and stickier summer nights, an analysis of decades of U.S. summer weather data by The Associated Press shows. State-by-state average temperature trends from 1990 to 2020 show America’s summer swelter is increasing more in some of the places that just got baked with extreme heat over the past week: California, Nevada, New Mexico, Arizona, Utah, Oregon and Colorado. The West is the fastest-warming region in the country during June, July and August, up 3 degrees on average since 1990. The Northwest has warmed nearly twice as much in the past 30 years as it has in the Southeast.

Collapsed Florida condo demolished ahead of storm (Reuters) The partially collapsed Miami-area condo where 24 people are confirmed dead was demolished on Sunday night, ahead of the possible arrival of Tropical Storm Elsa. Search-and-rescue efforts for 121 people missing have been suspended. Miami-Dade County Mayor Daniella Levine Cava told reporters earlier on Sunday that rescue efforts would resume after the demolition, noting it was 11 days since the collapse.

Loved and decried, El Salvador’s populist leader is defiant (AP) In the narrow, gang-controlled alleys of the Las Palmas neighborhood, struggling Salvadorans are untroubled by actions of their president that so infuriate his critics. They are not bothered by Nayib Bukele’s dictatorial maneuvers—sending armed troops into congress to coerce a vote, or ousting independent judges from the country’s highest court, paving the way to control all branches of government. They praise his relentless attacks on the politicians who governed El Salvador for nearly 30 years before him, and the elites who benefited from their rule. In this neighborhood they are grateful for the boxes of food staples they’ve received from Bukele’s government during the pandemic. Adults proudly pat their shoulders and say they got both doses of the COVID-19 vaccine long before most other people in Central America. For all the observers and critics who condemn a dangerous concentration of power by a charismatic leader who sports down-home blue jeans and leather jackets, Bukele enjoys an approval rating of more than 90% among people who saw three of four previous presidents jailed or exiled for corruption. “They talk about democracy... I don’t know what else,” said Julio César López, 60, a street artist in Las Palmas. “It makes me really happy that they’re kicking out that class of people.”

Fraud Claims, Unproved, Delay Peru’s Election Result and Energize the Right (NYT) They showed up for the rally by the thousands in red and white, the colors of their right-wing movement, swapping conspiracy theories and speaking ominously of civil war. On the stage, their leader, the presidential candidate Keiko Fujimori, let loose on her headline issue: election fraud. Though electoral officials say her opponent, the leftist union leader Pedro Castillo, leads by more than 40,000 votes with all the ballots counted, they have yet to declare a victor a month after the polls closed, as they consider Ms. Fujimori’s demand that tens of thousands of ballots be thrown out. No one has come forward, even weeks later, to corroborate Ms. Fujimori’s claims of fraud; international observers have found no evidence of major irregularities; and both the United States and the European Union have praised the electoral process. But Ms. Fujimori’s claims have not only delayed the certification of a victor, they have also radicalized elements of the Peruvian right in a way that analysts say could threaten the country’s fragile democracy.

Britain plans to end legal mandates for masks and social distancing on July 19, Boris Johnson says (Washington Post) Boris Johnson on Monday announced that Britain was set to soon end virtually all government mandates to control the spread of the coronavirus, telling people that in two weeks it would likely be completely up to them whether to wear a face mask or socially distance. At an evening news conference, the British prime minister said England was ready to move beyond one of longest, most restrictive series of lockdowns on the planet, turning away from legally binding rules to personal responsibility. He cautioned that the pandemic was not over, but it was time for restrictions to end soon. If the current trends hold, and Johnson suggested they would, then he expected the full reopening for July 19.

Lobsters’ feelings loom large as British Parliament debates animal welfare bill (Washington Post) How does a lobster feel when it’s dropped into the boiling pot? The British Parliament wants to know. Is an octopus sad, sometimes? Does the squid learn its lessons? The bee feel joy? The earthworm anxiety? The peers in the House of Lords are currently debating the matter. These questions arise because Prime Minister Boris Johnson is trying to make good on his electoral pledge to enshrine into law the idea that animals are “sentient beings,” meaning the government would be obligated to not only safeguard creatures’ physical well-being but also take into account their feelings—of pleasure, pain and more. The Animal Welfare (Sentience) Bill is a potentially sweeping piece of legislation that could require all arms of government—not just the agriculture ministry—to consider animal sentience when forming policy and writing regulations. The implications could be moral and profound, supporters hope—or cumbersome and bureaucratic, critics say, with some seeing a power play by vegan activists and animal rights radicals.

Indian dowries still common despite being illegal (BBC) A new World Bank study has found that dowry payments in India’s villages have not decreased over the past few decades even though the practice was made illegal in 1961. The researchers found that in 95% of the 40,000 marriages that took place in rural India between 1960 and 2008, dowry was still paid. Paying and accepting dowry is a centuries-old tradition in South Asia where the bride’s parents gift cash, clothes and jewellery to the groom’s family.

80 people feared missing in deadly ‘tsunami’ mudslide in central japan (CNN) Japanese rescue workers continued to search for survivors Monday, two days after a devastating “tsunami” of mud swept through a coastal city, killing at least three people and leaving 80 feared missing. Of the people currently unaccounted for, it’s possible that some may not have been in the city at the time of the mudslide, a city official said.

Malaysians suffering amid lockdown fly white flag for help (AP) When Mohamad Nor Abdullah put a white flag outside his window late at night, he didn’t expect the swift outpouring of support. By morning, dozens of strangers knocked on his door, offering food, cash and encouragement. Malaysia’s nationwide lockdown to curb a coronavirus surge was tightened further on Saturday, banning people in certain areas from leaving their homes except to buy food and necessities. It lurched Mohamad Nor into desperation. He ekes out a living by selling packed nasi lemak, a popular dish of coconut milk rice with condiments, at a roadside stall every morning, but that income has vanished and government aid was insufficient. The white flag campaign that emerged on social media last week aims to help people like Mohamad Nor, who is 29 and was born without arms. By chance, he saw the campaign on Facebook and decided to try to seek help. “It was so unexpected. So many people reached out to help, support and also encouraged me,” Mohamad Nor said, sitting in his dingy room amid boxes of biscuits, rice, cooking oil and water that were swiftly donated to him. He said kind Samaritans offered to help pay his room rental and that the assistance should be enough to tide him through the next few months.

New Zealand records warmest-ever June as ski fields struggle (AP) New Zealand has recorded its warmest June since recordkeeping began, as ski fields struggle to open and experts predict shorter southern winters in the future. A range of factors led to the record, including more winds coming from the milder north rather than the Antarctic south, and unusually warm ocean temperatures, said Gregor Macara, a climate scientist at the government-owned National Institute of Water and Atmospheric Research. He said the vagaries of weather will change from month to month. “But the underlying trend is of increasing temperatures and overall warming,” Macara said.

Nigerian Baptist Students Kidnapped in Kaduna (CT) More than 100 students at a Christian boarding school in Nigeria’s northern state of Kaduna were kidnapped early Monday morning. Shooting wildly, armed assailants breached the walls of Bethel Baptist High School in Maraban Rido on the outskirts of the state capital, Kaduna, at about 2 a.m. on July 5 and took students in the school hostel away at gunpoint, area residents told Morning Star News (MSN). Efforts were still underway to determine exactly how many students were abducted. A Bethel teacher told Agence France-Presse (AFP) that 140 students were kidnapped while 25 students escaped, but area residents living close to the school told MSN that 179 children were abducted of which only 15 escaped. The attack was the fourth mass school kidnapping in Kaduna state since December, according to AFP.