#join online meetings at zero monthly fees

[marketingprofitmedia]

Email Millionaire Review – Automated Email and Commission System

Welcome to my Email Millionaire Review. As email marketing is undeniably one of the most popular ways to build relationships and gain leads, generate sales, and even engage new users to purchase, you can’t ignore it. EM Email Millionaire is a game changing tool for marketers that enables you to make serious money with No Effort At All (NEAT) email campaigns.

Even if you don’t have any technical skills or have had any experience doing this before, this system guarantees free traffic, automated commissions, and quick results for such platforms as WarriorPlus, ClickBank, Digistore24 and so on. If you are keen about whether this tool can actually meet its grandiose claims, this Email Millionaire Review will give you an complete breakdown of its features, benefits, and downsides.

What Is Email Millionaire?

Email Millionaire is a DFY email marketing system designed to help you create and launch highly profitable email campaigns. Whether you’re new to running an affiliate online business or are an experienced affiliate marketer, this tool was created to help you do well by giving you ready to use email templates, the pre written sequences, and ways to attract free traffic so you can make automated commissions.

Specifically, this tool affords users of affiliate marketing platforms (such as WarriorPlus, ClickBank, Digistore24 and JVZoo) the benefit even if they have never been within the field before. The primary selling points include: A system that requires no technical skill, and quick implementation, Compatible with the most popular affiliate marketing platforms.

Email Millionaire Review: Overview

Product Creator: Glynn Kosky

Product Name: Email Millionaire

Launch Date: 2124-Nov-21

Launch Time: 10:00 EST

Front-End Price: $17 (One-time payment)

Official Website: Click Here To VisitOfficial Salespage

Product Type: Tools and Software

Support: Effective Response

Discount: Get The Best Discount Right Here!

Recommended: Highly Recommended

Bonuses: YES, Huge Bonuses

Skill Level Required: All Levels

Discount Coupon: Use Code “MAILX3” To Get $3 OFF!

Refund: YES, 180 Days Money-Back Guarantee

Email Millionaire Review: Key Features of Email Millionaire

Your Own Affiliate Marketing ATM

Newbie Friendly Interface

Done-For-You Copy & Paste Emails

100% FREE Auto responder Included

Built-In A.I Powered Content Creator

Built-In A.I Generated Cash Campaigns

Affiliate Income Potential

High Ticket Campaigns Included

App Works On All Popular Devices…

All Major 3rd Party Integrations Supported

Automated A.I Traffic Feature Built-In

DFY Business Commercial Licence Included

No Monthly or Yearly Fees Ever

Built-In Offers Included

World Class Training

World Class Support

Email Millionaire Review: How Does It Work?

You’re 3 Steps Away From Joining Hundreds Of Profitable Members

Step #1: Create an Account

Simply click on any of the buttons on this page To Secure Your Copy Right Now.

Step #2: Copy and Paste

Select from thousands of pre-written emails, copy & paste into the system.

Step #3: Get Paid

That’s it, we get paid at least $100+ every time we send an email! Sound Good? Click To Join Now!

Email Millionaire Review: Benefits of Email Millionaire

Tap Into Set ‘n’ Forget Automated Affiliate Commission Campaigns

Get Unlimited Free Traffic In 1-Click

The Price Goes Up Every 60 Minutes

Our Members Get Paid Daily

With Email Millionaire You Don’t Need Anything Else

100% Done-For-You Copy & Paste Emails Included

Email Millionaire Makes Us $ Without Doing Any Selling

No Monthly Fees, Register Once & Use Forever

Act Fast For $$$$s In Premium Bonuses

Do This From Your Phone

Zero Overhead Costs

Legendary Customer Support

The Price Is Rising, If You Wait You’ll Pay More

100% Done-For-You Copy & Paste Emails Included

Risk-Free 180 day Money Back Guarantee

Email Millionaire Review: Old Way VS New Way

Email Millionaire Review: Who Should Use It?

Affiliate Marketers

Teenagers

College Students

Entrepreneurs

People In Their 20s

Housewives

Freelancers

Stay At Home Dads

Busy People

Marketing Agencies

The Family Man

Old Age Pensioners

Digital Marketers

And Many Others

Email Millionaire Review: OTO’s And Pricing

Front End Price: Email Millionaire ($17)

OTO1: Unlimited Edition ($37)

OTO2: 100% Done-For-You ($97)

OTO3: Unlimited Traffic ($47)

OTO4: Automation ($67)

OTO5: ATM Edition ($197)

OTO6: Ultimate Edition ($197)

OTO7: License Rights ($67)

Email Millionaire Review: Money Back Guarantee

The Email Millionaire Unconditional 180 Day 100% Money Back Guarantee

This is so confident of you that we are going to completely eliminate risk of your purchase. Please use Email Millionaire, all the included resources, for the next 180 days RISK FREE. This amazing automated copy & paste system backed up by proven results. If you need it we have a U.S. based support desk (with people) and they’re happy to help.

If you don’t feel Email Millionaire does what we say it does in the unlikely event that you don’t feel it does everything we say or think it should, if you don’t feel you’re getting a slightly better result than what you can get currently or aren’t getting anything better than what you’re getting now. Until then you can get a hassle free refund up to 6 months after purchase! Invest with us now, confident that all risk is on us, and get what you deserve.

Email Millionaire Review: Pros and Cons

Pros:

Beginner-friendly interface.

Time saving pre written email campaigns.

It works very well with the most popular affiliate platforms.

Free traffic strategy offers.

Passive income ensures with an automated commission system.

Cons:

Requires a one-time investment

To use this product, you must have internet access.

Nothing wrong with it, it works perfectly!

My Own Customized Exclusive VIP Bonus Bundle

***How To Claim These Bonuses***

Step #1:

Complete your purchase of the Email Millionaire: My Special Unique Bonus Bundle will be visible on your access page as an Affiliate Bonus Button on WarriorPlus immediately after purchase. And before ending my honest Email Millionaire Review, I told you that I would give you my very own unique PFTSES formula for Free.

Step #2:

Send the proof of purchase to my e-mail “support@marketingprofitmedia.com” (Then I’ll manually Deliver it for you in 24 HOURS).

Email Millionaire Free Premium Bonuses

Frequently Asked Questions (FAQ’s)

Q. What devices does this work on?

Email Millionaire is a web-based system, so it works on every device out there. All you need is an internet connection.

Q. Is this beginner-friendly?

Absolutely – many of our beta testers had NEVER made money online before. You won’t need any tech skills or previous experience either.

Q. Are there any monthly costs or fees?

Nope! Email Millionaire gives you everything you need to see results from scratch.

Q. How much time does this take?

Even if you’re brand new you’ll be up and running in minutes. Once activated, the Email Millionaire system runs all itself and there’s no daily maintenance needed.

Q. What if I need help or support?

We’ve got you covered! Professional, patient & friendly support staff are on hand to answer any questions you may have.

Q. How do I get started?

Easy! Just click the button below to get in at the lowest possible price before the next price increase.

My Recommendation

Email Millionaire offers just what it claims, namely a ridiculously easy route to email marketing absolutely for free and that will enable you to make passive income. One of its DFY campaigns, the user friendly interface and automation features are a standby for both the beginners and experts looking towards a campaign solution.

Though the lack of customization from the tool may limit use by advanced users, the tradeoff for the overall benefits the tool brings makes it well worth it. Email Millionaire is well worth a try if you’re looking for an affordable, effective way of upping your affiliate marketing game. Now is the time to get started with email marketing and avoid the usual hassles.

>>> Click Here to Visit Email Millionaire and Get Access Now <<<

Check Out My Previous Reviews: VoxCraftAI Studio Review, VisualPal AI Review, Fabio Host Review, AI Influencers Review, and WP AI Suite Review.

Thank for reading my Email Millionaire Review till the end. Hope it will help you to make purchase decision perfectly.

[knowaboutweb]

ProfitPrime Review - Buy Now to Run Unlimited Webinar At Low Price In 2021

ProfitPrime Review – Buy Now to Run Unlimited Webinar At Low Price In 2021

Profit Prime Review – Buy Now to Run Unlimited Webinar at Lower Price Do you want to earn more commissions by selling products and courses through webinars? Then you should check this ProfitPrime Review - to run unlimited webinar at lower price.</p> <h2>What is ProfitPrime?</h2> <p>Profitprime is a Brand New Cloud Platform Lets You Run Unlimited Live &amp; Recorded Webinars, Create Whiteboard…

[webullreview]

Latest webull review [2021]: Starting with a $1 investment.

Latest webull review [2021]: Starting with a $1 investment.

Webull provides a multi-features experience for investors and all in one solution.

Webull review at a Glance:

Webull is founded in 2017, and it is a mobile app-based brokerage that features commission-free stock and exchange-traded fund trading. It runs by the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA). Webull trading platform is designed for beginner, intermediate and experienced traders.

 Where is webull based: Webull is an American broker-dealer headquartered in New York City

 Webull is safe because it is regulated by top-level financial authorities.it provides a maximum of $500,000 investor protection, including a $250,000 limit for cash under the Securities Investor Protection Corporation's (SIPC) protection scheme. It is part of Webull Financial LLC and is licensed to carry out brokerage activities in all 50 United States.

 Is webull good for trading?

Webull doesn't have a minimum deposit requirement to get going. You can join Webull and start investing with just a few dollars. Webull offers some of the most competitive margin rates in the industry. And unlike main rival Robinhood, Webull doesn't require a subscription. Many brokers' website offer cash bonuses for new account creators, but that only after users meet certain minimum deposit requirements. Webull gives free stocks to customers with small deposit thresholds. These stocks are worth anywhere from $2.40 to $1,500 per share. Currently, just $100 is required for the best bonus. It will offer you a unique community experience.

Eligibility of Joining Webull:

1. Webull only accepts account applications from U.S. residents. 2. You will need to be at least 18 years old to create an account. 3.you have to verify your US identity and residency status. 4.YOU have to upload a copy of your government-issued ID, and your social security number.

 How to create or open an Account on Webull?

You must open an account on the app>Then Choose your account>make sure you have selected the right type of brokerage account>Add personal info >Identify yourself >Seal the deal>Fund your account>enjoy.

 How long does webull take to approve?

Most account applications will approve within one hour. It might take more time if your application needs further verification.

  Advantages and disadvantages of Webull:

 Advantages:

1. Webull offers commission-free US stock, ETF, and options trading with no inactivity fees. 2. No minimum deposit requirement 3. Zero commissions on trades 4. Several asset classes available to trade 5. Cryptocurrency trading 6. After-hours trading available 7. Advanced charting 8. Level 2 data from NASDAQ available. 9. Traditional, Roth, and rollover IRAs available 10. App, web, and desktop platforms available Paper trading.

 Disadvantages:

1. Does not support trading in mutual funds 2. Does not support trading in bonds 3. Does not support trading in OTC stocks

Webull’s total Commissions and Fees: Webull is Really Free!

The enticement of fee-free trading in the online investment space has seen a big change in the industry. Traditional brokers are now being challenged by start-up platforms that have found a way to make money without charging their investors. Webull users can connect real-time U.S. market data completely free. This indicates not only real-time price quotes but income statements, balance sheets, and cash flow reports. Minimum Deposit-$0.00 Stock Trades -$0.00 Stock Trades (Per Share)-$0.00 ETF Trade Fee-$0.00 Mutual Fund Trade Fee- free Base Fee-$0.00 Exercise Fee-$0.00 Assignment Fee-$0.00 Per Contract-N/A Broker Assisted Trades Fee-N/A

 Webull and others:

Robinhood is Webull’s main competitor. Both companies are trying to be Walmart brokers by offering the lowest price possible to those looking for bargains. Those bargain-seekers are by and large millennials, this is why both companies took a mobile-first approach and only developing desktop and web apps after establishing themselves in the trading industry.

Another one is TD Ameritrade. After testing 11 of the best online brokers over the years, TD Ameritrade is not better than Webull. Webull delivers $0 trades, fantastic trading platforms, excellent market research, industry-leading education for beginners, and reliable customer service.

Webull vs. Robinhood: Commission and Fees

Undoubtedly, commissions and fees are a big part of the whole picture. We compare Webull and Robinhood wide open in order to evaluate both.

 Webull’s Fees:

Webull has no fees or commissions on any stock or ETF trade. All you will pay is the spread and SEC transaction cost, those are the portion of a copper penny. You can transfer money in and out of your account without fees using ACH, as domestic wire transfers cost $8 per deposit and $25 per withdrawal.

Global wire fees are $12.50 and $45, respectively. Margin rates start are 6.99% for up to $25,000.

 Robinhood’s Fees:

Robinhood is also commission-free on all trades, including options and cryptocurrency trades. Surplus is available over Robinhood Gold, but there’s a $5 monthly fee.

The first $1,000 of margin can be borrowed interest-free, and you will get it as a bonus. After $1,000, rates are 5% only. Only ACH transfers are permitted to fund your account, so there will be no fees on deposits or withdrawals.

 Webull’s finest Customer Support:

 Webull’s customer support is often accessed through email, which is not that the only method mentioned on its website, but also there is an online web chat option or telephone number. Moreover, Webull’s customer service does reply within 1 hour of a question.

Only Webull’s help page offered any sort of customer support, then only within the sort of FAQ.

Webull’s FAQ page does offer you detailed information on opening an account and therefore the funding and transfers of money and stocks. It also features a Trading on Webull section with information about commissions and costs, tradable assets, and order types.

The FAQ sections found on the assistance page can answer your basic questions. Email Webull for more details or to talk with a Webull agent for more information or further assistance.

 Webull referral system:

Along with their account creation promotion, Webull additionally offers a Refer-a-Friend form of program. However, this small little bit of promotion is slightly less simple in terms of the manner that their directions are read.

Unfortunately, you won’t receive any free stock just because an addict you refer exposes a replacement account. This friend can get to deposit a minimum of $100 among the first thirty days of their account being open for you to reap the rewards.

A decent side to the current incentive is that you simply will repeat it indefinitely, with decreasing returns when the first 2 referrals have met completion requirements.

In keeping with their terms and conditions, which are additional clearly worded than the promotion itself, the benefits of the referrals are as follows:

Upon completion of your first undefeated referral, you'll receive four free stocks.

Your second successful referral can award you with seven free stocks.

Every resultant referral will award you two additional stocks.

This stock choice pool is analogous to the one antecedent represented among the account gap promotion. They're aiming to be from firms listed on the New York Stock Exchange or information system that are U.S. based mostly and have a minimum market cap of $2.5 billion.

However, not like the account gap promotion, there will appear to be a one/50 or 1/100 likelihood to accumulate securities from bound companies. however, it does follow identical odds to your initial $100 deposit.

Odds of stock valued at $8 to $30 approx. 1 in 1.02

Odds of stock valued at $30 to $100 approx. 1 in 52.63

Odds of stock valued at $100 to $200 approx 1 in one,111.11

Odds of stock valued at $1,000 to $1,600 approx 1 in 10,000

 FAQs for Webull

 How does Webull make cash?

Webull doesn’t make money from trade commissions that makes many of us surprise, however, the corporate makes money. Webull makes money from the subsequent revenue streams:

Margin rate: This represents interest paid to Webull once people borrow money to invest.

Stock loans: Webull might lend securities and make the most of loaning those securities. Your securities are still out there if you wish them.

Interest on free credit balances: money sitting in your account doesn’t pay interest to you, however, Webull will earn interest on it.

Is Webull smart for beginners?

Webull might be a good choice for lettered beginner investors that perceive investments in construct however haven't started commercialism yet. New investors who are learning the way to invest cash would probably be higher suited by different platforms that provide a lot of instructional resources. Fully new investors might like Robo-advisors that guide them through the finance process.

Is Webull legit and reliable?

Yes, Webull is a legitimate brokerage you'll use to take a position in stocks, ETFs, crypto, ADR's, and options. It's registered with the SEC and is a member of FINRA, SIPC, NYSE, NASDAQ. Webull’s customers rise up to $500,000 of coverage just in case the brokerage fails, and your securities go missing.

  A final thought about Webull:

 Webull is a well capable brokerage app for North American country traders. The app offers absolutely commission-free commerce with no account fees, so it’s really a cheap choice for purchasing and merchandising stocks, ETFs, options, and cryptocurrency. We also like that Webull provides traders access to almost the whole US stock market, with the notable exception of penny stocks.

What really sets Webull different from other brokerage apps is that it offers a big variety of advanced charting and analysis features. You'll read extremely customizable technical charts for any plus furthermore as fully customize any of fifty popular indicators. Webull conjointly permits you to import Level a pair of Advance knowledge from the information system, so you'll track order flows through the market.

In addition, the app includes analyst recommendations and worth targets for many widespread stocks. A basic social network lets you see what different traders place confidence in different assets and swap ideas.

Webull is rising as a legitimate challenger and various to Robinhood, growing its client base to a possible variety of two spots among online brokers serving retail traders. This relative newcomer within the zero-commission online commerce world endlessly broadens its merchandise to satisfy its clients and leverage its commerce platform. Webull brokerage is best for those who will handle their own customer service and have some investment information and experience. If this looks like you, positively take into account giving Webull a try and take the benefits of webull.

[hislordshipreview]

INFINITE WEBINAR REVIEW Powerful All-In-One Unlimited Webinar

INFINITE WEBINAR WHAT IS IT

Infinite Webinar is the World’s Most Powerful Cloud Based Platform that Creates Live Streaming, Automated and Unlimited Webinars with No Monthly Fee.

If you’re currently stuck in making money with affiliate marketing and fail to convert high-ticket affiliate offers or simply fail to get a positive ROI because of having to pay hundreds to Zoom or other similar services, you NEED Infinite Webinar RIGHT NOW. Wouldn’t you rather pay for a ONE-TIME insignificant $15 FEE & generate $1000+ in affiliate commissions right to your bank account, than worrying every month you have to spend $200+ and get the same results? It’s a no-brainer deal… You have to ACT NOW.

===Check out The Infinite Webinar following Bonus You’ll Get===

Infinite Webinar Review — Introduction

If you have no idea running your online business and get stuck finding a way to get involved in this huge market, for a second, just imagine that from now you could start getting paid big fat $1000+ commissions straight to your bank account with automated DFY traffic that never stops. It is a dreamy spectacular that even online gurus hope to get it become true. If you are interested on how to do so, I will recommend the most brand-new software to help you run your business faster than anyone else, which is called Infinite Webinar!

===Check out The Infinite Webinar following Bonus You’ll Get===

You heard that right, Infinite Webinar will help you create & broadcast unlimited high-converting webinar sessions that will help you send free traffic & convert high-ticket offers to maximize your profit with ZERO WORK. It’s basically a Click-Record-Earn system. More than this, it’s Beginner-Friendly. Click & Profit in-built DFY webinar templates. Guaranteed with a 200% money back refund if you won’t make a profit ( you WILL! It’s a must ). And it’s simpler than you think.

It basically sends a continuous, automated traffic stream to your high-ticket affiliate offer with visitors that are eager to spend hundreds of money on your offers just by watching your catchy webinar. Tapping into 300M+ visitors just by launching a webinar is a HUGE opportunity to profit off high-income offers. Opportunity Fact: Imagine you are going to be part of the 1% of marketers who use live webinars to promote high-ticket offers. This 1% of marketers currently DOMINATE the affiliate industry. It’s those affiliates you see in the top 50 income lists on big affiliate networks. You now have the KEY opportunity to be the 1% high earners.

The Key To Financial Freedom And Top Earnings Laptop-Life Is Now In Your Hands. Grab The Key And Tap Into Freedom. Grab the opportunity & immediately start flooding your bank account with 1-click, automated, traffic-generating webinar software that uses cutting-edge AI technology to deliver the most attention-grabbing, persuasive presentation for you without even being on camera or doing any additional work.

Drastically increase earnings with a PROVEN AI software method & generate high ticket commissions 24/7 with virtually NO INVESTMENT OR HARD WORK by using an UNETHICALLY SIMPLE 3-step system:

Step 1: Login-in to their secure cloud server & instantly create high-converting DFY affiliate webinar-based campaigns ( User-Friendly Interface. Create Unlimited Profitable Template-Based Webinar Campaigns. )

Step 2: Fully Customize Your Webinar Campaign & Add Your Affiliate Link ( You have the option to pre-record your video & simulate a live-like webinar session )

Step 3: Let Infinite Webinar Share & Broadcast your affiliate webinar campaign to dominate the market & start generating $1000+ commissions in sales on autopilot mode and set on your path to freedom.

And the best part of Infinite Webinar is it allows you to easily stream your recorded videos if you don’t wish to be ‘live’ yourself. I know this sounds too crazy…but with this software you will be able to do exactly this…..because I have seen it for myself. But here is the issue you will have to grab this soon, because the creator of this software will increase the prices so grab it SOON!

===Check out The Infinite Webinar following Bonus You’ll Get===

Infinite Webinar Review — Features and Benefit

There are a plenty of features and countless benefits with Infinite Webinar that I listed few of them as below:

Powerful cloud-based platform: Infinite Webinar is completely cloud based software so it can be accessed from anywhere. There’s absolutely nothing to download or install.

Pay one small fee to get the software running & generate your desired income in minutes.

Get complete access over the webinar/meeting (you can manipulate every member, chat, reply, room, screen share to your advantage

Be 100% safe with an SSL-Encrypted connection: High Security and Data Privacy: Infinite Webinar comes with unlimited SSL encryption that protects all your data…

Get access to our AI-based human-live behavior auto-responder & generate leads flawlessly while making huge profits.

Unlimited Webinars for Lifetime: You can run unlimited webinars without any restriction or any monthly fee.

Easily run a live webinar, and scheduled a webinar, and replay webinars with pre-recorded video and chat.

$1000 Worth DFY affiliate webinar campaigns: It has included best converting affiliate webinars to start making big-ticket sales

Rejoin the previous meeting with meeting history, record your live stream and

automated the process.

Live Streaming on YouTube: You can live stream with your YouTube audience in the same dashboard with 1 click.

Live Chat and Link Sharing Option: Infinite Webinar allows you to Live Chat Message to your attendees and your attendees can interact with you during the webinar and can join the meeting as well.

Share any buy button during the Sales webinar or Live webinar.

+ Many More — this like no other software in the market can provide

Infinite Webinar Review — How does it work?

Infinite Webinar can drastically increase earnings with a proven AI software method & generate high ticket commissions 24/7 with virtually no investment or hard work by using an unethically simple 3-step system:

Step 1:

Login-in to the secure cloud server & instantly create high-converting DFY affiliate webinar-based campaigns

Step 2:

Fully customize your webinar campaign & add your affiliate link

Step 3:

Let Infinite Webinar share & broadcast your affiliate webinar campaign to dominate the market & start generating $1000+ commissions in sales on autopilot mode and set on your path to freedom (You have the option to pre-record your video & simulate a live-like webinar session (User-Friendly Interface. Create Unlimited Profitable Template-Based Webinar Campaigns.)

===Check out The Infinite Webinar following Bonus You’ll Get===

[bimbolaar]

The Complete Payment Solution you need to thrive in the Global Economy

Flutterwave is a trusted online payment gateway in Nigeria focused on providing individuals and businesses with seamless, intelligent and secure online payment solutions. 

Founded in San Fransisco in 2016 with an office in Lagos, Flutterwave now has an operational presence in Nigeria, Uganda, South Africa, Tanzania, Ghana, and Kenya. In 2018, Flutterwave announced its entry into the United Kingdom and Zambia after obtaining licenses for payment processing and electronic remittances.

Flutterwave boasts of thousands of merchants all over the world with over 100 million transactions worth billions of dollars since inception. Through partnerships with international brands like PayPal, Transferwise, Alipay, Shopify, and VISA, Flutterwave strives to connect its customers with the global economy with ease.  

In 2018,  Flutterwave got ISO 27001 certification which means  Flutterwave has internationally acceptable practices and processes including a robust business continuity plan. 

It is worth mentioning that Flutterwave is continuously using technology to shape Africa’s digital economy. In recognition of providing efficient business payment solutions across Africa,  Flutterwave received the ‘Best Payments Company’ at the 2018 Ghana eCommerce Award ceremony.

Flutterwave products like Rave, Barter, and Moneywave are modern online payment platforms tailored to drive financial inclusion in the global economy. Whether you are thinking of how to manage your personal finances or looking for the right technology to build and grow your business globally, Flutterwave has a payment solution for you.

Rave by Flutterwave 

Rave is unarguably the easiest way for merchants to make and receive payments from anywhere in the world. Rave is used by giant companies like Uber, Booking.com, Flywire, Jumia, Arikair, OjaExpress and several small and medium businesses across Africa. Currently accepting over 150 currencies from over 26,000 merchants, Rave is the ideal merchants' marketplace.

 Ravepay offers merchants a fully integrated end-to-end payment gateway with no additional operational cost required and the best technology to achieve zero failed transactions. 

Merchants can easily get started on Ravepay with no setup or monthly fees and have control over the acceptance, settlement and transaction analysis process. A reasonable fee is charged per transaction through multiple payment collection channels like;

- In-person through sales mode and the  Rave dashboard 

- App or Website by installing Rave plugins that allow integration with e-commerce platforms like Alipay, Shopify, Magento, and Woocommerce; SDKs and libraries for customized Apps and websites

- Social media using Rave instant payment links from Instagram or Facebook feeds.

Rave merchants can receive money from customers through:

Credit or Debit cards like Visa, Mastercard, and Verve.

Bank Account Payments from the U.S., Nigeria, and South Africa.

Mobile Wallet Payments on MTN, M-Cash, M-Pesa, and TIGO

How to start and grow your business with Rave

1. Develop a business idea- Identify a need or find a solution to a problem.

2. Conduct a market survey- study your potential customers and how best to serve them, look around for competitors and learn from them.

3. Create a business plan - Set measurable goals and how you intend to achieve them.

4. Raise enough capital

5. Register your business for easy identification

6. Start your business online, in-store or even both.

7. Visit Rave by Flutterwave to create a free Rave account and select a payment feature that meets your needs in less than 5 minutes.

8. Display prices and accept local or global payments in your customer’s preferred currency. 

9. Receive payments in your app or website, on social media or in-person through debit or credit cards, bank accounts, and mobile wallets payment in any currency.

10. Manage your funds, expand and pay vendors globally to grow your business.

Already have a business and you want to grow it? Switch to Rave by Flutterwave, accept payment from multiple channels and give your customers the best possible payment experience. 

Pros

Cost-effective, all in One Dashboard.

Accept payment from all channels where your business thrives. 

Enjoy well managed 24/7 customer support from Flutterwave for even bigger solutions. 

Cons

Rave account verification after creating an account might take time so the earlier the better you create a Rave account while deciding to start your business.

Barter

Need a better (financial) half? Get Barter App. Barter by Flutterwave is a payment platform that allows you to manage your personal finances better. 

Whether you are sending money to friends, buying airtime, paying utility bills, internet subscription or saving for your next big project, use Barter.

With Barter, you can add your personal bank account to your app dashboard and monitor your funds in your local currency.

Sign up for Barter on the website or download the GetBarter App to join over 30,000 people already using Barter to make their lives better.

Pros

Easy and efficient way to monitor your spendings.

Allows funding through card or bank accounts and bank transfers.

Access to easily repayable short-term loans.

Cons

Allows local currency transactions only.

- Editing of profile and other personal details used in signing up may take time so be careful when signing up.

Moneywave   

Moneywave is an omnichannel payment solution that allows you to build customizable money transfer platforms, online banking, mobile banking, and Artificial Intelligent solutions.

Similar to Rave, Moneywave allows you to send money from

- VISA to bank accounts on Mobile

- Bank accounts to VISA on Mobile

- Verve to Discover on ATM

- Discover to Verve on Chat boxes

- Mastercard to Mastercard on Web

- AMEX to AMEX on different bank channels

Sign up for Moneywave to get started.

Flutterwave Developers 

Flutterwave is currently home to thousands of developers who have over the years built  APIs with easy to use plugins, SDKs, and libraries for the integration of customized payment solutions. Interestingly Flutterwave developer community also offers other developers a playground with the aim of continuously improving the standard of payment technology in the Fintech industry.

The future is all bright for Flutterwave as Olugbenga GB Agboola, the CEO at the beginning of the year reinstated their commitment as a customer-focused brand striving to give their customers the best possible checkout experiences at all times. 

[thecashadvancelenders-blog]

The Ultimate Guide To Cash Advance Lenders

Request a short-term loan from our secure community of online and storefront lenders. For instance, business loans from lending club , have rates of interest between 5.9% and 29.8%, and terms ranging from 1 to five years. Additionally, you need not worry concerning the security dangers Cash Advance Lenders involved in getting a similar day payday loan. Now it is possible to get cash while you want it with our payday cash advance. These lenders will cost you a high charge for cashing your examine via them that may be 10% or extra of the total mortgage.Not everybody who applies for a loan or an immediate cash advance is authorized. Your lender won't penalize you for paying more than the agreed upon quantity or for paying off your mortgage early. Payday advance loans, also referred to as payday loans , sometimes let you borrow small amounts of cash so you possibly can pay for emergency expenses like automotive repairs and healthcare.

  Having adverse credit can shut avenues to more cost effective loans, so having instruments that assist you enhance your credit score can assist you avoid paying the expensive charges payday lenders cost. A enterprise money advance is money borrowed in opposition to your credit card stability. Some card issuers supply twin-purpose cards which can be for enterprise as well as shopper purposes. Maranda brooks, forty, a data coordinator at a cleveland faculty, says she took out a $500 mortgage by her financial institution to help pay an electrical Cash Advance Payday Loan energy bill. They're referred to as ach service provider money advances and permit providers to market to businesses that aren't primarily tied to credit score and debit card sales. Most bank card issuers will cost both a money advance fee and money advance interest rate for applicable transactions. Traditionally, these loans needed to be repaid in a single lump sum on the borrower's subsequent payday. Payday loan corporations have a new debt-collection software: texas courts and prosecutors. Within the payday loan model, the examine is security for the loan, not payment. He Cash Advance Online Direct Lenders shared internal usage data solely with the associated press that shows, at the least preliminarily, that even users are much less prone to faucet the payday loan market once they join the corporate's companies. For example, if the monthly charge utilized during could was 1.5%, however the creditor will improve the speed to 1.8% effective june 1, 1.5% (and its corresponding annual proportion price) is the only required disclosure underneath § 1026.7(a)(4) for the periodic statement reflecting the might account activity.

  Within the subprime and deep subprime market, policymakers have targeted on the harms of payday loans. According to § 1026.9(c)(2)(iv)(b), the cardboard issuer isn't required to provide a right to reject in these circumstances. 10. Pay attention to all of the fees associated along with your credit card. These same day payday loans help you meet surprising financial obligations without struggling Bad Credit Cash Advance recurring debt and by no means ending months of reimbursement. Should you don't want to go to a storefront to pick up your cash, you can choose for the quantity to be deposited into your checking account. Previous section - § 1026.eleven § 1026.eleven therapy of credit score balances; account termination.

  In figuring out transactions beneath § 1026.7(a)(2) for multifeatured plans, creditors might, for instance, select to rearrange transactions by function (such as disclosing Cash Advance Companies sale transactions individually from cash advance transactions) or in another clear method, resembling by arranging the transactions basically chronological order. Section 1026.fifty five(b)(1) wouldn't allow the card issuer to begin accruing interest at the 15% price on the $500 purchase and the $200 buy till Quick Cash Advance august 1. When a lender is allowed to take cash instantly from a borrower's paycheck after a courtroom order. They usually embrace a charge as well, either a flat charge or proportion of the superior amount. Zero% apr bank cards permit cardholders to take their time when paying off larger purchases or consolidating existing debt.

[tqapkquranacademy]

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To figure out how to peruse the Quran smoothly, then, at that point, this course is certainly for you. Our Quran perusing course helps children and grown-ups become familiar with the Quran bit by bit. Anybody can join this course in the event that somebody has learned or is currently finishing the Essential Qaida Course. Later in this course, you can begin remembering the Sacred Quran.

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Islamic Examinations

You would now be able to learn Islam with our Learn Islamic Examinations Online program that covers a wide scope of subjects fundamental for each Muslim. You would learn various subjects including yet not restricted to Islamic history, the Islamic way of thinking, Hadith, and Fiqh. The course divides each subject into several levels of Online Islamic Classes, ranging from fundamental to cutting-edge. It allows pupils to have a better understanding of Islamic concepts.

Learn Quran Tajweed

Online Quran Tajweed Course proposes to train understudies how to peruse the Quran with the right articulation or how to learn Tajweed without any problem. Live Quran Tajweed Educator shows understudies the diverse Arabic perusing rules in Tajweed Classes Online. This course will help the students not just in the perusing of The Sacred Quran yet in addition to Quran Recitation. After finishing the course, they will peruse the Quran properly, committing no errors.

Learn Quran Tafseer

To comprehend the Quran, it is obligatory to become familiar with the Quran Tafseer word by word. To know the deeper significance and motivation behind words, refrains, and Surahs it is the Tafseer that makes a difference. Tafsir will give understanding and clarification of Ayahs and assist how with learning Quran with importance. So you can join our Tafsir Classes to comprehend the Tafseer of the Heavenly Quran by our Online Islamic Coaches.

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Propel Review – Worth It or a Scam?

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Propel is the World’s-First Advanced Business Package Comprising All The High-Quality Services You’ll Ever Need With Zero Restrictions For A SINGLE Payment. (EXCLUSIVE OFFER) Propel Is Available At Lowest Cost In Market! Click Here To Visit Now!! How Would You Like To Stop Paying Month After Month To Expensive Money-Sucking Service Providers & Make Huge Money Day In & Day Out? Are your monthly expenses exceeding what you are making online? Are you still wasting your time and hard-earned money on sub-par products & services? If you answered “YES”, then this is going to be the most important message you’ll read this year. Here’s the thing. As an online marketer, you need various tools and services for your business. That includes: Hosting –To host your websites and domains on super-fast and reliable servers. Autoresponder – To send promotional emails to your prospects and subscribers. CloudDrive – To Backup and store all your files and data securely on the cloud. Graphic Designer/ App – To create your website/page graphics for your products and services. Content Writer– To  Create content for your website/ products/ services & blogs. Webinar Tools– To hold your webinars, podcasts, meetings & conferences. But you may already know that… Heck even currently paying hefty monthly fees to expensive service providers. So even before you get your foot in the door and start making profits, you have already spent $10,000. And even after spending that much, there’s no guarantee of results. But you need those services to survive online and hence you are stuck with your current money-sucking service providers, right? Wrong. While it’s 100% true that you need those services to make money online… You don’t have to pay this huge sum. There are many smart marketers who are making serious profits online without burning a hole in their pockets… And now you too can join their league. Because Right On This Page, They Are About To Hand You A Complete Business Suite That Provides You All VITAL Tools. Introducing Propel.

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[placewebsites324-blog]

Completely Free Dating Apps

Best Completely Free Dating Apps

Totally Free Dating Apps 2020

Completely Free Dating Apps For Android

All these apps are completely free to join, so you don’t have to worry about paying monthly fees or subscriptions if you don’t want to. Category Rating. When it comes to arranging hookups, BeNaughty is fast, easy, fun, and safe.

In the modern world of online dating,dating apps have become the norm for a population that is highly mobile andeager to always be a part of an online conversation, especially when thatconversation is about their love life. But in a flooded market, how do we knowwhich app to use?

Totally free online dating sites + facebook dating review + cougar dating + free dating sites in usa + Social Mobile Apps + Website + facebook dating review. Get 30% Discount. For an additional $5, Facebook also offers a super affordable virtual dating service that helps you date on Facebook. I’ll be honest with you, I am guilty of using this.

Guys looking for a little action should check out the free dating sites and apps out there. While the free apps and sites are not 100% legit, they can provide a great place to meet people, and if they are legit and legitimate, you’ll be set for a happy and fulfilling life. These dating sites aren’t just for women either.

If we’re being honest with each other, thefirst thing we might look for is the price. Is it cheap? Is it free? Before wemight stop to consider quality, demographics, and general effectiveness, we’rehardwired to look for the best deal we can before committing to just aboutanything, apps included.

It’s a reflex to first jump at whatever wemight see that is free, especially if it can maybe, eventually, land us into arelationship and give us some sense of happiness. But is this really thecorrect way to approach our dating apps?

Whether we like it or not, cost is oftenseen as a determining factor for quality and our expectation on the level ofquality we expect from a service. Companies, especially those running datingservices on mobile apps, know this and understand that they must meet standardsexpected of them.

The question of whether a ‘free’ dating appis worth it becomes murky when we acknowledge that people understand that youget what you pay for, and quality comes with a price.

But which dating apps are completely free?There certainly are some that are 100% free, but that doesn’t mean they’reright for you. There are also some big-name brands for mobile dating apps aswell that are free, but maybe you’re looking for a different experience.

In this article, we’ll discuss what ‘free’ actually means for dating apps, who some of the major contenders are for free dating apps, why you might want to give a paid dating app a chance, and what date app can give you the most for the least amount of cost.

If you’re interested in getting your foot in the door, our team has put together a ranking table of the most popular dating apps in the game. Be sure to check it out!

What does ‘free’ mean when it comes to dating apps?

As we have already brought up, free doesn’talways mean a quality service. But let’s assume that you’re not paying anymoney for a truly free app. Ask yourself if a subpar dating app that doesn’tcost you money isn’t also going to cost you something more important:

Time

Energy

Emotional / Psychological stress

These are all things that you can spendwith an app that doesn’t have any expectation of quality to meet. Afterall, youdo get what you pay for. So, this raises an important question: what do we talkabout when we talk about free?

Free, if we’re trying to find the most allaround useful definition of the term, is a service that offers stress-free,no-hassle quality with guaranteed results, all at a monetary price that is asclose to costless (zero) as possible.

For the pedantic, we understand that somemonetary cost doesn’t really mean that it is completely free. But there is abalance to be struck between what you pay for and what you get. No service isever really free when you consider the full breadth of what it may be costingyou beyond money.

This is to say that what may seem objective on the surface can come down to personal interpretation the more you think on it. Therefore, we feel that it is important to try and keep everything in mind when you evaluate the worth of a dating app.

Major contenders for free online dating apps

If all you are truly concerned about is themonetary cost of using a free service, then there are some well-known brandsthat are generally free. These include the some of the more popular dating appson the market today.

These apps offer a free version of theirdating app, although some give you the option to upgrade to a better service.Here they are with a little bit about them:

Okcupid – an American-based, internationally operating online dating, friendship, and social networking website. It is supported by advertisements, by paying users who do not see ads, and by selling willing user’s data for data mining.

c-date – a dating app that is recognized the world over. Meet exciting people. Find what you are looking for and have fun on your date!

Happn – a location-based social search mobile app that allows users to like or dislike other users and gives them both permission to chat if both parties liked each other.

Bumble – Bumble facilitates communication between interested users by giving females in heterosexual matches the role of making first contact with matched male users. In same-sex matches either person can send a message first.

Zoosk – A growing relationship app with one goal—to help people connect and find romantic love. Rather than flings, Zoosk helps real people find the real love they’re looking for.

Her – Her, formerly Dattch, is geared towards lesbian, queer, bisexual and bicurious women and non-binary people. Cisgender men cannot join.

Grindr – Grindr is a dating app geared towards gay, bi and trans people. Grindr comes in both free and subscription-based versions.

Match – You could join other apps—like Bumble, Tinder, or Happn—for more of the same, frustrating runaround, or you could join the app that’s created more love connections than any other: Match.

Tinder – although most often used as a dating service, Tinder allows you to meet new people for a range of things, including making friends. Users swipe to like or dislike other users, and users can chat if both parties like each other.

Badoo – Has over 345 million people worldwide – more users than the entire US population – and lets you find people in 190 countries and in 47 languages.

Some of these dating apps offer a premium membership alongside their free version, accessible through the app at any time after you first sign up. With the premium membership you get a wider variety of features, and your experience grows considerably.

Best Completely Free Dating Apps

These include Okcupid, c-date, Zoosk, and Badoo, as well as Grindr and Match. You’re of course free to enjoy their free services, but we think you might want to consider giving their premium memberships a shot

Why you should consider trying a paid dating app

Against the giants of dating apps, there isof course bumble, tinder, grindr, and okcupid, and to a lesser extent happn andher. But there can be rewarding experiences from trying something new, andpeople tend to overlook the uniqueness of paid dating apps and what the have tooffer.

Totally Free Dating Apps 2020

Apps like c-date, Zoosk, Badoo and Match all have premium memberships, which means that they understand that there is a distinction in terms of quality between something that is free and something that is paid. All of these apps offer something new and exciting for dating, to boot.

Completely Free Dating Apps For Android

Essentially, not only is the choice of the app itself of utmost importance, but also the way you approach the dating game. Check out our guide for how to write on dating apps. Balancing the choice of the app and your writing skills will definitely increase your chances on the market.

If financial cost is your primary concern,then as we said, not to worry. All of these apps are free to join and have afree version. Paid dating apps really mean that they offer a premium service,and so you will always be flexible when you use them.

In the end, why not weigh all of your costswhen looking at a dating app that is right for you and find the one that trulyis the most cost effective with the highest reward. Try something new insteadof the same old, tired and unreliable free dating apps you already know toowell.

[magzoso-tech]

The Dipp, a subscription-only entertainment news startup, is springing to life despite the pandemic

New Post has been published on https://magzoso.com/tech/the-dipp-a-subscription-only-entertainment-news-startup-is-springing-to-life-despite-the-pandemic/

The Dipp, a subscription-only entertainment news startup, is springing to life despite the pandemic

There is no shortage of coverage about the sprawling entertainment industry. There is a shortage of coverage for die-hard fans of reality TV shows, according to Kate Ward and Lindsay Mannering.

That opening in the market is why the two — former colleagues at the women’s website Bustle, where Ward was the founding editor-in-chief and Mannering ultimately became the SVP of editorial strategy at Bustle’s parent company — decided to take the plunge earlier this year and start their own company.

Called The Dipp, the nascent, Brooklyn-based media company describes itself as a “personalized subscription website for TV’s biggest fans,” and the idea, says Ward, is to zero in on the “niche fandoms that are being created every day — especially now [that everyone is at home and online]. We want to focus on certain franchises that are underserved, then scale.”

They say they know what it takes. Both joined Bustle back in 2013 when it was itself a fledgling startup, and both say they helped grow the company on a variety of fronts, from writing, to organizing the site, to helping with PR and sales, to immersing themselves in its scaling strategy.

It was so exhilarating, says Ward, that when the company ballooned to 80 million unique monthly visitors across all its publications, the two found themselves missing those early days.

They also seemingly decided what from that experience they did not want to replicate, including to build a property that’s solely reliant on sponsored content and other advertising. (Like many other ad-driven media properties to grow quickly in recent years, Bustle has also been ratcheting back on staff dating back to last summer, with its most recent round of layoffs announced early this month.)

Of course, building a media property in the midst of a pandemic would seem to come with its own challenges. The Dipp was fortunate on the funding front; it just locked down $2.3 million in seed funding led by Defy Partners, helped by Ward’s previous relationship with Defy co-founder Neil Sequeira, who was formerly a managing director with General Catalyst and who sat on the board of Bustle in that role.

On the other hand, its founders — who live several miles apart — can’t work together right now owing to the coronavirus.

It’s a big change from the early days of Bustle when “we sat shoulder to shoulder together on a sofa,” acknowledges Ward, adding that the hardest part so far has been having to celebrate early milestones remotely. “Normally, something good happens and you go out to dinner or have a drink. Right now, it’s more like, ‘We got a term sheet, yay!’ over Gchat.” (Mannering sent Ward a bottle of champagne and Jell-O shots over the weekend, but it “doesn’t feel the same,” Ward says with a laugh.)

Luckily for both, hiring might not prove the same challenge as it might to other founders who are just getting a company off the ground, given that many journalists already work remotely. They also suggest they have an extensive network of people to tap given their own media backgrounds.

In fact, they insist that there are upsides to launching a new endeavor in these suddenly strange days.

Mannering notes, for example, that the two have more time to focus on what they are building, whereas before New York shut down, they were budgeting a lot of time for traveling and pitching — and spending a fair amount of each day on the subway.

Ward thinks the founders and VCs with whom they’ve talked have also been more earnest than they might have been six months ago, before the coronavirus struck the U.S. “There’s this sense that we’re all in this together now,” she says. “In the past, whereas there was a lot of puffing of chests and you might walk away thinking, ‘I hope I’ll be as good a founder as this person someday,’ everyone is sort of leveling with each other, including about what pitfalls to look for. Just trying to get through [this pandemic] kind of grounds every conversation, so you’re really getting to know people in that first meeting.”

As for next steps, stay tuned, say the co-founders. The idea is to launch their content this fall, with a snazzy user interface, an accompanying weekly newsletter and, later, podcasts. The Dipp also plans to focus heavily on community, says Ward. Comments will be their first area of focus, but subscribers can also expect online discussions and ask-me-anything-style forums with individuals from the franchises that The Dipp readers want to know more about, she says.

Users will be able to sign up for a free trial to start; after that, says Ward, they’ll be charged a monthly fee for an all-access pass, including, most importantly, to a home page that’s customized so members can see “only what you care about rather than rifling through shows and topics that don’t interest you in the least.”

Indeed, the secret sauce behind The Dipp will really be data, culled in part from social media, that informs which franchises and characters the outlet zooms into for its readers. As Ward notes, Bustle was early to recognize that what tastemakers want to feature matters far less than what is playing well with consumers and what isn’t.

As a result, Bustle knows what many women, including millennial moms, are searching to learn in much the same way that Netflix knows what its viewers prefer to watch.

It’s a long way from here to there, but if The Dipp has its way, it will be an entertainment brand that knows better than most what its audience wants to read, too.

[klphotoawards]

September KLPA Events

Schedule of Events - KLPA2017

This September, KLPA Events have lined up the following happenings in conjunction with the exhibition of this year’s KLPA2017 DEFINING FAMILY finalists. The venue is at WHITEBOX, MAP Publika, Solaris Dutamas, Kuala Lumpur.

NB. All events are free to join except for the workshop.

SATURDAY 9 September, 2017

KLPA Exhibition opens. The exhibition runs to 19 September and the gallery is open from 10 am - 7pm daily. Free Entry. Open to Public.

5:00pm - 7:00pm  : KLPA AWARDS PRESENTATION

Awards and prizes will be presented to the Prizewinners at this event, all welcome to attend and to meet with the judges, winners and finalists. 

Free Entry to all. We would love to see you there. Light refreshments served.

.

7:30pm  - 10:30pm - Cocktail Reception for Winners & Finalists, guests - invitation only

Venue : Ben’s, Publika

SUNDAY 10 September, 2017

2:00pm - 3:30pm : GALLERY WALKTHROUGH / Q&A with the winners - Free entry

The winners will share their experiences and methodologies about their winning portraits with the public, in a casual format. This is an invaluable session for all photographers and students to gain an insight into how photographers develop ideas, execute and finish their projects. Feel free to engage with them. Free entry, Open to Public.

3:30pm - 6.00pm : ‘PERSONAL STORIES’ PRESENTATION

Three selected photographers will share and present recent projects they have completed or work-in-progress, which were derived from personal circumstances or situations. These are highly personal portraiture-based photo stories. Q&A available at the end of the presentations. 

Come and listen to these accomplished photographers as each share how they identified, developed and photographed these photo-stories, and how they visualised their personal encounters through the use of the camera to address and overcome these events or ‘fears’. 

Free Entry. Please register, email >  info@klphotoawards.com

Sandra Chen-Weinstein, USA

SHE / They

I will present stories from a selection of images mainly focussing on intimate portraits of women with attention to their diversity, community, culture, and empowerment. These images explore one’s inner complex emotion through self-expression and identity.

Sandra is the Open Category winner of KLPA2017.

Originally from Taipei, Taiwan, Sandra Chen Weinstein has lived in Washington DC, Japan, and China while working with American Agency.  She is self-taught and inspired by Magnum photography.  She has been selected as the only US participant by Magnum Photography workshop in The Netherlands with Stuart Franklin and Ian Berry in London. 

Sandra's work focuses on documentary photography emphasizing social identity, culture, and minorities in long term personal projects.

She has received numerous national and international awards including Winner for Robert Cornelius Portrait Award;  two-time winner of the Julia Margaret Cameron Award;  American Photography AI-AP33 & 30;  The Photo Review, 1st Place for Sport PX3;  Deepest Perspective Awards & 2nd Place for IPA (International Photography Awards);   Runner-Up for INDIGENOUS CULTURE Award for Conservation Photography Contest,  Reader's Collection & international contest winner for National Geographic Magazine. 

Her work is exhibited widely in the U.S. and internationally, including Griffin Museum; Pacific Art Museum; Martin Museum of Art, The Museum of the Big Band, The Center for Fine Art; MOPLA; Photo L.A;  Art Basel Miami; Auckland Festival of Photography; HeadOn Photo Festival; Ballarat Foto Biennale, Pingyao Photo Festival; FotoFest, SKM International Photo Festival.

www.sandrachenweinstein.com

Lim Paik Yin, Malaysia

Metaphor – Conviction Forms

Last year, 2016 I was accepted to the Angkor Photo Festival workshop. With less than a week to complete a project I had an intention of taking portraits of disable bodies and Apsara dancers. There was also a big goal of taking pictures of another person’s body as I felt my photography was becoming insular ever since I turned the camera onto myself. What do you do when there is a short time span and things didn’t work out the way I planned? ~ Lim PaikYin

Lim Paik Yin (1980) is an interdisciplinary artist working with photography, performance art and spoken words. Graduating with a B.A in Multimedia (Media Innovation and Management), her art education is supplemented through workshops organized by galleries, collectives and cultural institutions with bases in Malaysia.

Lim’s practice in theater transitioned to the visual arts through workshops organized by women’s rights groups and debut in the visual arts project, Scripted Bodies Art Exhibition in 2005. This group show use the human body as a visual motif to explore the various ideologies and political forces that shape attitudes towards the human bodies. This theme has been revisited in various forms.

She currently writes on photography for Frame Zero media after 5 years working as a photo researcher at Corbis and Click Photos Malaysia. She recently been selected for the Angkor Photo Workshop with Antoine D’Agata and Sohrab Hura and was shortlisted for the Photo Kathmandu 2016 Mixed-Media Residency. Her photography works has exhibited in the South East Asian region, Spain and the Chennai Photo Biennale in India 2015.

www.cargocollective.com/lim-paik-yin 

​

KG Krishnan, Malaysia

 Between Lust and Longing​ 

This project began as a body of work documenting my personal struggle with crystal meth which started in the year 2011. A quick search online for crystal meth will tell you a great deal of its dangers on the mind and body, the demographic, its use is usually associated with, and some statistics on the estimated number of people currently thought to be using meth in communities around the world -- all of which would be completely misleading.

In the early days of my use, by chance I'd stumbled upon a group of users among the gay community which at the time I thought to be an isolated incident, though soon after I started realising that the community as a whole was on the verge of an epidemic and with it, my battle to stay clean started to decline.

kG Krishnan was born in Kuala Lumpur, Malaysia in 1989. A journalist, photographer and spoken word artist, his art explores ideas concerning sexuality, gender politics and the intimacy of human relationships in the contexts of contemporary culture.

As a commercial photographer and art director, kG Krishnan's clientele comprises design institutions, fashion designers, advertising agencies, filmmakers, musicians and lifestyle publications ­ for whom he produces images, film and fashion productions. His work, both writing and photography, has been widely published around Southeast Asia and occasionally appears in European and American publications.

He currently does visual consulting and art direction for production and advertising clients in Kuala Lumpur while working on personal projects. His work can be viewed at www.kgkrishnan.com

● kG is working on his second photo book ​­a collection of photo essays on urban development in Kuala Lumpur; over 20 stories from the collection have been published in his monthly column, first in appearing in Clive Magazine for the ‘Strayshots’ pages and later in Juice Malaysia under a new column called ‘NOIR’.

9, 16 &17 September    * Registration open now

CREATIVE PORTRAITURE WORKSHOP BY NADIRAH ZAKARIA

©Kimberley Lee, 2016 and featured image.

9, 16 & 17 September, 2017 

Focussing on the KLPA2017 theme DEFINING FAMILY, New York trained photographer Nadirah Zakariya will lead a group of participants to shoot freely and creatively around this year’s theme, which stretches over 2 weekends. Nadirah will explore the works of famous portrait photographers, and guide participants to think and photograph outside personal boundaries.

Limited spaces!

SCHEDULE

1st Session - Saturday 9th September:  11 am to 4 pm at WHITEBOX Publika - Ice breaking session, brief about this year’s theme and discuss about the photography projects participants will shoot during this workshop.

2nd Session  Saturday 16th September:  11am - Group and individual critique session. Participants share selected images and narrow down for screening on Sunday.

Final session - Sunday 17th September - 3pm - Slideshow presentation of final projects at WhiteBox. Event is open to public.

Fee : RM500

More info and Register here...>>

[mikomillers-blog]

Best Interest Rates on Cash – January 2019

Here's my monthly roundup of the best interest rates on cash for January 2019, roughly sorted from shortest to longest maturities. Check out my Ultimate Rate-Chaser Calculator to get an idea of how much extra interest you'd earn if you are moving money between accounts. Rates listed are available to everyone nationwide. Rates checked as of 1/9/18.

High-yield savings accounts While the huge megabanks like to get away with 0.01% APY, getting higher rates is as easy as transferring money electronically from your checking account to an online savings account. The interest rates on savings accounts can drop at any time, so I prioritize banks with a history of competitive rates. Some banks will bait you and then lower the rates in the hopes that you are too lazy to leave.

EBSB Bank offers 2.50% APY with a $5,000 minimum balance. The CIT Bank Savings Builder is now up to 2.45% APY with a $100 minimum to open and a $100 monthly deposit. There are several other established high-yield savings accounts at 2% APY and up.

Short-term guaranteed rates (1 year and under) I am often asked what to do with a big pile of cash that you're waiting to deploy shortly (just sold your house, just sold your business, legal settlement, inheritance). My usual advice is to keep things simple and take your time. If not a savings account, then put it in a flexible short-term CD under the FDIC limits until you have a plan.

No Penalty CDs offer a locked-in rate with no early withdrawal penalty. That means your interest rate can never go down, but you can still take out your money (once) if you want to use it elsewhere. Marcus Bank has 13-month No Penalty CD at 2.35% APY with a $500 minimum deposit, Ally Bank has a 11-month No Penalty CD is at 2.30% APY with a $25k+ minimum, and CIT Bank has a 11-month No Penalty CD at 2.05% APY with a $1,000 minimum deposit. You may wish to open multiple CDs in smaller increments for more flexibility.

First Internet Bank has a 1-year CD at 2.89% APY ($1,000 minimum) with an early withdrawal penalty of 180 days of interest.

Money market mutual funds + Ultra-short bond ETFs If you like to keep cash in a brokerage account, beware that many brokers pay out very little interest on their default cash sweep funds (and keep the money for themselves). The following money market and ultra-short bond funds are not FDIC-insured, but may be a good option if you have idle cash and cheap/free commissions.

Vanguard Prime Money Market Fund currently pays an 2.44% SEC yield. The default sweep option is the Vanguard Federal Money Market Fund, which has an SEC yield of 2.31%. You can manually move the money over to Prime if you meet the $3,000 minimum investment.

Vanguard Ultra-Short-Term Bond Fund currently pays 2.71% SEC Yield ($3,000 min) and 2.81% SEC Yield ($50,000 min). The average duration is ~1 year, so there is more interest rate risk.

The PIMCO Enhanced Short Maturity Active Bond ETF (MINT) has a 2.96% SEC yield and the iShares Short Maturity Bond ETF (NEAR) has a 2.98% SEC yield while holding a portfolio of investment-grade bonds with an average duration of ~6 months.

Treasury Bills and Ultra-short Treasury ETFs Another option is to buy individual Treasury bills which come in a variety of maturities from 4-weeks to 52-weeks. You can also invest in ETFs that hold a rotating basket of short-term Treasury Bills for you, while charging a small management fee for doing so. T-Bill interest is exempt from state and local income taxes.

You can build your own T-Bill ladder at TreasuryDirect.gov or via a brokerage account with a bond desk like Vanguard and Fidelity. Here are the current Treasury Bill rates. As of 1/8/19, a 4-week T-Bill had the equivalent of 2.40% annualized interest and a 52-week T-Bill had the equivalent of 2.60% annualized interest.

The Goldman Sachs Access Treasury 0-1 Year ETF (GBIL) has a 2.24% SEC yield and the SPDR Bloomberg Barclays 1-3 Month T-Bill ETF (BIL) has a 2.16% SEC yield. GBIL appears to have a slightly longer average maturity than BIL.

US Savings Bonds Series I Savings Bonds offer rates that are linked to inflation and backed by the US government. You must hold them for at least a year. There are annual purchase limits. If you redeem them within 5 years there is a penalty of the last 3 months of interest.

“I Bonds” bought between November 2018 and April 2019 will earn a 2.82% rate for the first six months. The rate of the subsequent 6-month period will be based on inflation again. More info here.

In mid-April 2019, the CPI will be announced and you will have a short period where you will have a very close estimate of the rate for the next 12 months. I will have another post up at that time.

Prepaid Cards with Attached Savings Accounts A small subset of prepaid debit cards have an “attached” FDIC-insured savings account with exceptionally high interest rates. The negatives are that balances are capped, and there are many fees that you must be careful to avoid (lest they eat up your interest). Some folks don't mind the extra work and attention required, while others do. There is a long list of previous offers that have already disappeared with little notice. I don't personally recommend or use any of these anymore.

The only notable card left in this category is Mango Money at 6% APY on up to $2,500, but there are many hoops to jump through. Signature purchases of $1,500 or more and a minimum balance of $25.00 at the end of the month is needed to qualify for the 6.00%.

Rewards checking accounts These unique checking accounts pay above-average interest rates, but with unique risks. You have to jump through certain hoops, and if you make a mistake you won't earn any interest for that month. Some folks don't mind the extra work and attention required, while others do. Rates can also drop to near-zero quickly, leaving a “bait-and-switch” feeling. I don't use any of these anymore, either.

The best one left is Consumers Credit Union, which offers 3.09% to 5.09% APY on up to a $10k balance depending on your qualifying activity. The highest tier requires their credit card in addition to their debit card (other credit cards offer $500+ in sign-up bonuses). Keep your 12 debit purchases just above the $100 requirement, as for every $500 in monthly purchases you may be losing out on cash back rewards elsewhere. Find a local rewards checking account at DepositAccounts.

If you're looking for a non-rewards high-yield checking account, MemoryBank has a checking account with no debit card requirements at 1.60% APY.

Certificates of deposit (greater than 1 year) You might have larger balances, either because you are using CDs instead of bonds or you simply want a large cash reserves. By finding a bank CD with a reasonable early withdrawal penalty, you can enjoy higher rates but maintain access in a true emergency. Alternatively, consider building a CD ladder of different maturity lengths (ex. 1/2/3/4/5-years) such that you have access to part of the ladder each year, but your blended interest rate is higher than a savings account. When one CD matures, use that money to buy another 5-year CD.

INOVA Federal CU has a 14-month CD at 3.00% APY and a 20-month at 3.15% APY ($200 minimum). 180 day early withdrawal penalty. Premier America CU has 15-month CD at 3.10% APY ($1,000 minimum). Anyone can join these credit unions with via membership in partner organization (see application).

United States Senate Federal Credit Union has a 5-year Share Certificate at 3.69% APY ($60k min), 3.62% APY ($20k min), or 3.56% APY ($1k min). Note that the early withdrawal penalty is a full year of interest. Anyone can join this credit union via American Consumer Council.

You can buy certificates of deposit via the bond desks of Vanguard and Fidelity. These “brokered CDs” offer FDIC insurance, but they don't come with predictable fixed early withdrawal penalties. As of this writing, Vanguard is showing a 2-year non-callable CD at 2.75% APY and a 5-year non-callable CD at 3.20% APY. Watch out for higher rates from callable CDs listed by Fidelity.

Longer-term Instruments I'd use these with caution due to increased interest rate risk, but I still track them to see the rest of the current yield curve.

Willing to lock up your money for 10+ years? You can buy long-term certificates of deposit via the bond desks of Vanguard and Fidelity. These “brokered CDs” offer FDIC insurance, but they don't come with predictable fixed early withdrawal penalties. As of this writing, Vanguard is showing a 10-year non-callable CD at 3.45% APY. Watch out for higher rates from callable CDs from Fidelity. Matching the overall yield curve, current CD rates do not rise much higher as you extend beyond a 5-year maturity.

How about two decades? Series EE Savings Bonds are not indexed to inflation, but they have a guarantee that the value will double in value in 20 years, which equals a guaranteed return of 3.5% a year. However, if you don't hold for that long, you'll be stuck with the normal rate which is quite low (currently a sad 0.10% rate). I view this as a huge early withdrawal penalty. You could also view it as long-term bond and thus a hedge against deflation, but only if you can hold on for 20 years. As of 1/9/19, the 20-year Treasury Bond rate was 2.86%.

All rates were checked as of 1/9/19.

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“The editorial content here is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone.”

Best Interest Rates on Cash – January 2019 from My Money Blog.

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[shorthammertime]

Story Time with Chrompy: Online Friendships and Love

This story, I guess, is kinda inspired by this post: https://jamietheignorantamerican.tumblr.com/post/39671216594/ill-always-be-there-for-you-because-thats-what

(Going to put in a read more, so I don’t fill everyone’s entire dashboard xP)

Anyway, this story starts long long ago in the year 2004. Blizzard just rocked the world with their MMORPG, World of Warcraft and like many others, I was one of the first players (Though first playing on my brother’s account, because I didn’t had the income yet to pay the monthly fee till later in the year).

The first of months after buying my own account, I started leveling my first character, a big white-furred tauren druid, back then named Earthfather (Because the Tauren worship the Earthmother xP), but nowadays, people might know him as Taksio.

But as most people know, leveling in Vanilla was a fucking nightmare xP Super slow and there were not enough quests at the 50-59 levels to level to 60 easy.

This was around the time that I discovered the magical world of Roleplaying Servers. And the server I found, was a tiny little server called Darkmoon Faire EU.

This is where I had my first contact with RPing, starting with my human warlock, Shadowfather (which doesn’t exist anymore sadly) and later with another character that still lives on to this day (Though now another class), the Gnome Rogue Clank.

This was still around the time that I was in highschool where I had a pretty small group of friends who were also big gamers (As you can expect from how awkward I am and my allergies, I was bullied a LOT in elementary, highschool and college). Sadly when we finished highschool and went off to completely different schools, we lost contact. Over time, I lost contact with everyone and nowadays, I have zero real life friends.

However, thanks to WoW, I made quite a few online friends. Mostly friends, a couple of failed long distance relationships (Don’t wanna talk about it x-x), but for the most part, I had kind awesome people to talk to. Ofcourse, over time, people come and go, either bored of the game or moving server without telling to join other friends.

During college time, my parents were always really worried about me, because I seem to never go out, unlike my brother and sister who usually always went out during the weekends. Since I always get being bullied at school by the majority of the class, I never really bothered looking for friends at school anymore. And I always said: I have friends online to play with. You can guess where this is going.

Ofcourse my mom would always be (and still is, to this day): Online friends aren’t real friends. They’re just pixels or worse, a pedophile trying to get you to send them nudes (Yes, that really was her logic). I would always roll my eyes and go into ignore mode.

Having no real life friends and parents who were generally very harsh and easily angered by mistakes, I have had my large share of suicide thoughts and ideas, quite a few that I almost attempted. But I never did. For one reason.

All the way back during the Burning Crusade days, I met a very special person. Reaaaaally long and complicated story short, it was a really shy, but super sweet guy who like me, had very few friends. We would always talk, always play together, RP together. Literally whenever we both had time, we would spend time together. And when you spend time with someone you honestly care so much for, you eventually grow feelings for them. Thankfully, these feelings he started to have as well and eventually we started dating.

Till this day, we have been supporting each other to thick and thin. We haven’t managed to meet up yet in real life (Untrusting parents and no own transport yet), but for years, we have always took care of each other. If he wasn’t always there to talk to me and calm me down, I wouldn’t be here to talk to you all right now. I would had hanged myself out of depression and loneliness.

So whenever people say to me: “Online friends aren’t real friends.”, I say: If it wasn’t for online friends, I wouldn’t be here right now. If it wasn’t for online friends, I wouldn’t be feeling a shred of happiness within me. Sure, I haven’t met my boyfriend face to face yet and when we finally do, it will be SUPER fucking awkward and likely embarrasing. But you know what? Just thinking about that moment happening in the near future, gives me purpose in life. And he has supported me more just by typing on a computer than my parents have with actual words and physical contact.

And that was Story time with Chrompy.

[hassanzohaib]

Water Cooler Price in Pakistan

The water cooler price in Pakistan might vary according to your choice of action. You may often even utilize a better water company from which you buy. Water Cooler prices in Pakistan aren't too much.

In rare instances, buy an online water cooler, but it's not recommended. Many companies would advise you to get a more relaxing one while having your own in your workplace. Since they guarantee their coolers and do maintenance and repair checks every few months, they are not in compliance when their units are not utilized.

There are also a few options for coolers you may want to give. Some refrigerators allow the water to chill, while others provide you hot water or a three-piece combination. The more services you use, the more relaxed, the more expensive the water supplier is every month to rent. You may also buy the equipment thoroughly. You may also purchase coolers online, saving you on long-term expenses, in place of leasing a cooler from some companies.

Buy an online water cooler, not rent it.

When you acquire services from a water supporter, you'll want to use one of your coolers. You are compensated for the most fantastic mounting and renting (or buying), and the installation charges may also cover the expense.

Like the bottles of wine, the amount paid for the holders corresponds to the number of employees in the workplace. This implies that if you want to rent your machine, you can expect Water Cooler Price in Pakistan, an average of RS 650-RS 2500 a month.

If you're out of a bottle, you'll be charged different rates. Although it isn't necessary to buy bottles, the less more fantastic bottle also costs monthly.

Water Cooler Price in Pakistan per unit is RS 4636/-month. This pricing depends on the quantity of water and on the model, you are using. Many firms need a quote before they can confirm the price you pay for the service, so the cost of driving and assembling your equipment also has to be considered for your business. You can be sure that you profit considerably from having a water refrigerator in your workplace – and your business, no matter what alternatives you are looking for from your water system. Please do a favor and buy one for your workplace now.

Buy online water cooler for HOME/OFFICE.

Cooling water for home or business at budget pricing. Do not get caught in water dispensers if our high-quality luxury units are too inexpensive. And don't spend thousands on rental fees and hidden costs to a water supplier.

On average RS 309 at local grocery stores, our home-coolers are stocked with standard tanks. However, other water suppliers are selling their water refreshers for rent to deliver costly water at a low rate. So the first low-price pit escapes.

Remember to sell one of our cheap, high-quality custom coolers today. Do not hide charges. Do not hide payments—no promotional periods for sales. And no costly supplies of water. And no expensive water deliveries. Just simple, easy, and affordable water coolers.

PREMIUM QUALITY-BUDGET PRICES

Many are excellent grade coolers at affordable pricing. And we find it much easier to buy cooler online water than to rent – bottles with full-size water solutions and bottle-free water coolers. We've also got a more extraordinary topwater counter. And we have filtered water coolers. And even units with no bottles were cleaned up. Every day you use drinking water. They were improved to prevent inadequate or unwanted poisons such as chlorine, uncommon pollutants, cold or flu viruses and PCBs, nitrates, pesticides, fertilizer, asbestos, fluorides, feathers, etc.

FEATURING:

Bottled Water Dispensers from RS 4636.00

Full-sized Hot and Cold Bottled Water Coolers from RS 27667.00

Counter Top and Bottle less Water Coolers Too!

Why hire an expensive water refreshment facility? If could you buy one in a fraction of the cost? Other companies rent water coolers for RS 30 to RS 772 to their residences. And then you have to purchase expensive water bottles, mostly marginal. But you may buy RS 772 or less on your credit card bill for a month's internet water cooler.

We've added a good grade cold and hot water chiller to the aversion expense of around Rest 772 a month. It'll be charged in no time. You will own it. You will own it. Online Water Cooler Price in Pakistan is RS 15456.

FULL-SIZED BOTTLED WATER COOLER

Full one year warranty

ZERO Waste Bottles-Reduce Landfill Waste

Instant Hot and Ice-Cold Water

Piping HOT Beverages Temp= 185-210 Degrees

Environmentally Friendly

Spill-Proof Water Dispenser

Energy Saving On-Off Switches

Energy Star Compliant

Get the most refined water coolers t the Lahore center

Best Quality

While we in Pakistan sell a variety of household equipment, quality has never been affected. We assure that our line meets worldwide quality and protection standards, whether you buy items locally or imported.

Fastest Delivery

Would you want to buy tiny devices online and sell your goods in a minimum period? The Lahore facility attempts to supply all household equipment as quickly as feasible.

Community Working

Adequate customer service is at the heart of any good organization. We demand the most fantastic quality goods at a reasonable price from a single consumer. The center of Lahore wants to develop its economic connections through the right services and commodities.

Why choose us?

Lahore Center has assisted our consumers for many years with their home-cooling needs. Discover local facilities and services tailored to your needs with the Lahore Center. If you are an existing client or a new client who wants to join our family, we will be here too. In your residence, we will only make you comfortable.

Reference:https://lahorecentreblog.blogspot.com/2021/05/water-cooler-price-in-pakistan.html

[fthbarlingtontx]

Quicken Loans Lender Review for 2020

The Bottom Line

4.5/5 stars

Quicken Loans, one of America’s largest mortgage originators and servicers, is well known for its flagship online mortgage platform Rocket Mortgage. With a commitment to outstanding customer service, Quicken has been ranked #1 by J.D. Power in mortgage origination customer satisfaction for 10 consecutive years and #1 in mortgage servicing for seven consecutive years.

Check today's VA rates by completing this quick online form.

Pros and Cons of Quicken Loans

Serving their clients for more than 35 years, Quicken Loans has revolutionized the mortgage lending process by providing a technology-driven, streamlined process for purchasing a home or refinancing a home loan.

Quicken Loans’ lending process is designed to create a simplified, hassle-free experience with a minimum amount of paperwork for their customers.

Unlike most banks and other mortgage lenders, Quicken operates online and conducts business through a sophisticated web-based lending platform. The company offers a fast application process along with support to help borrowers choose the right mortgage product and online tools to keep customers apprised of the status of their loan right through closing and settlement.

Pros of Quicken Loans

Customer-centric, simplified and secure online mortgage process

Home loan experts available to match customers’ financial situation and goals with the best mortgage loan to meet their needs

FHA, Conventional, VA and Jumbo loans are available for home purchase and refinancing at competitive interest rates

First-time home buyer’s programs in all states

Online verification process eliminates the need to provide many paper documents

Home buyer resources including online mortgage calculators, buyers’ guides and access to Home Buying Experts – online, by chat and by phone

re-qualification and pre-approval letters provide home buyers with more certainty through Quicken’s Verified Approval℠ program

Refinance loans available to reduce a homeowner’s interest rate, to tap existing equity or to shorten loan term

Quicken services 99% of the mortgage loans originated by the company – eliminating the transfer of servicing to another lender after origination

Cons of Quicken Loans

Quicken Loans does not offer face-to-face engagement with their customers

Borrowers without Internet access will have difficulty with the mortgage application process as most Quicken loan functions are online

Quicken does not offer VA construction loans or allow for VA loans on manufactured homes

How To Get A Mortgage With Quicken

Quicken’s application process is highly efficient. Borrowers can submit required documents and underwriting materials online through the Rocket Mortgage portal. 

No fee is required to submit an application. Interest rates, points, and fees are already incorporated into Quicken’s options whether you are seeking a loan to purchase a home or to refinance an existing mortgage loan.

Quicken’s tools for borrowers are designed to assist loan applicants through the process. In addition to a Home Buyer’s Guide and Refinance Guide, customers have access to online calculators to estimate monthly payments, calculate the maximum home price they can afford, and even create an amortization schedule to see how monthly payments will be applied to the loan balance over time.

Get started by completing this quick online form.

Buying a Home With Quicken

Whether buying a primary residence, second home, or investment property, Quicken offers a wide selection of mortgage loan options. With a step-by-step process to assist mortgage applicants, Quicken’s online resources help customers assess their readiness to purchase a home by explaining qualification and down payment requirements.

Resources are also available to help home buyers work with real estate agents throughout the entire buying and financing process.

Quicken’s home buying mortgage products include:

FHA loans: Very popular with first-time, lower-income, and/or lower-credit home buyers.

VA loans: Designed for U.S. Veterans and offering many benefits including no requirement for a down payment.

Conventional loans: A good option for buyers with good credit scores and low levels of personal debt.

Jumbo loans: For buyers seeking to borrow more than the amount permitted for conventional loans (greater than $510,400 in most states).

Quicken also offers their Verified Approval℠ program, designed to help home buyers stand out among competing bidders and cash buyers in the housing market. Once a customer’s credit, income, and employment are reviewed, Quicken may issue a Verified Approval℠ letter to a home buyer. This letter reflects their purchasing power and provides assurance to home sellers in today’s competitive market.

Refinancing a House With Quicken

With interest rates near historic lows, many existing homeowners are refinancing their loans to lower their monthly payments, shorten the term of their loan even take cash from their home equity. Quicken offers refinancing options to help borrowers achieve their objectives in a fast, streamlined manner.

Refinance Experts are available to provide customers with assistance in selecting the best loan option – both by phone and online.

Quicken’s refinance mortgage options include FHA, Conventional, and VA loans with a wide variety of terms (fixed rate, adjustable rate, 30 years, 15 years, etc.). For VA homeowners, Quicken also offers 100% VA cash-out loans, meaning you can borrow up to the full value of your home.

If you don’t need cash and only want to reduce your rate and payment, Quicken offers the VA Interest Rate Reduction Refinance Loans (IRRRL) with no income/no asset and no appraisal options.

Quicken will handle all steps of the refinancing process – from application through to closing – with loan status reports available to keep customers informed of their progress.

Once a refinance loan application is approved, borrowers can determine when they would like to close their loan and chances are good that Quicken will service the loan for the duration of its term. Quicken services 99% of their loan originations, including the collection of monthly payments, maintaining tax and insurance escrows and providing timely tax information to their customers.

Check today’s VA refinance rates.

Special Perks for Veterans With Quicken

Quicken Loans is a premier VA lender and provides a high level of customer support to veteran loan applicants. From the availability of Mortgage Experts to online guides, Quicken’s systems are designed to support veterans throughout the mortgage process.

Quicken’s representatives will explain eligibility requirements for a VA Loan Certificate and determine if the borrower meets VA’s residual income requirements., The lender will also share special VA program information designed for borrowers who have a service-related disability.

Through Quicken’s VA lending programs, borrowers may also be eligible to take advantage of VA’s seller concessions policy, allowing for home sellers to contribute larger amounts of funding toward closing costs.

Eligible veterans and their family members may also qualify for exemption from VA’s funding fee or for grants for disabled veterans. VA grant programs include Specially Adapted Housing (SAH) for the building or remodeling of a home with disability-related modifications and Special Housing Adaptation (SHA) for the adaption of an existing home already owned by the veteran or a home the veteran intends to purchase.

Veteran Community Involvement

Quicken Loans is well known for its Veteran Hiring team, a group of professionals engaged in the recruitment of veterans to join the company. With their attention focused on veterans, transitioning service members, military spouses, and members of the National Guard and Reserve, Quicken has made a commitment to hiring, training, and retaining eligible career candidates throughout their organization.

Quicken also supports a number of partnerships and initiatives including Built For Zero, the Pat Tillman Foundation, Michigan Veterans Affair Agency (MVAA), Military Spouse Employment Partnership (MSEP), and Employer Support of the Guard and Reserves (ESGR). The Quicken Loans Community Fund, a philanthropic arm of the company, supprts inclusive communities through data-driven investments in housing, employment, and public life. Since 2010, the fund has invested over $200 million to address complex issues like tax foreclosure and chronic unemployment. The fund has also organized Quicken team members to provide more than 725,000 volunteer hours nationwide, including 400,000 in Detroit.

Should You Use Quicken Loans?

As the nation’s largest mortgage originator and one of the largest servicers, Quicken Loans offers an online mortgage process that saves time and money for its customers. The company’s competitive rates, streamlined underwriting, and award-winning customer service make it a great option for consumers shopping for a mortgage loan.

Ready for a VA mortgage? Talk to a lender today. https://ift.tt/2HMtcKT