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disabilitytalk692 · 1 year ago

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What is a NILS Loan?

NILS loans provide safe, fair and affordable credit. Applicants must be a minimum of $57,000 per year (before tax) for singles or $75,000 for couples or people with dependants and demonstrate that they can, and will, repay the amount they borrow.

Nils loan are cheaper than payday or bank loans and can be used for whitegoods, furniture, medical equipment and services, car repair costs, materials for education and much more.

Eligibility

A NILS loan offers people on low incomes safe, fair and affordable credit to cover the cost of household essentials and services up to $2,000 and for housing related expenses or recovery from natural disasters up to $3,000. Loans are not interest free, however they have very reasonable fees and repayments can be structured to suit your financial circumstances. Your ability to repay the debt over a 12 to 24 month period will be assessed and considered, as well as your budget and existing expenses.

You must hold a Health Care Card or Pension Card or be receiving Centrelink benefits and have the capacity to repay the loan over the agreed timeframe. You must also have no outstanding debts or defaults on your credit report. NILS is an accredited program of Mary MacKillop Today in partnership with Good Shepherd Microfinance and is offered by a range of community organisations throughout Victoria.

How to apply

NILS loans are designed to help you manage money and provide a solution for those times when unexpected expenses arise. These costs could include replacing a broken fridge, repairing a car or paying for essential medical and dental services. The NILS program also offers a special loan called ‘NILS for Vehicles’ which allows people to purchase a vehicle (excluding mobility scooters) used solely for transport purposes.

You apply to your local accredited NILS provider and show you are willing and able to repay the loan. Unlike payday loans, NILS loans are interest free and repayments are set at an affordable amount over 12 months. NILS loans cannot be used for cash, debts or bonds and are not intended as an alternative to Centrelink. NILS is an initiative of Good Shepherd Microfinance Australia and is delivered through over 175 community organisations across Australia. Neighbourhood Houses Victoria is proud to be a local NILS provider. Find a provider near you on the Good Shepherd website.

What you can borrow

NILS offers individuals and families on low incomes access to safe, fair, and affordable credit. There are no fees, charges or interest – you only pay back what you borrow. Nils loan is an alternative to high cost payday loans and rent to buy products.

Typically, a NILS loan will cover the purchase of a whitegoods item (refrigerator or washing machine for example) that is essential for a household. It can also cover essential services and utilities such as electricity or gas. Alternatively it can be used for bond and rent arrears or to recover from natural disasters.

Last year Good Shepherd Microfinance provided 27,000 loans nationwide. Almost 97 per cent of these loans are paid back in full. The loans are often a life saver for cash-strapped Australians, allowing them to avoid costly alternatives like renting appliances or taking out payday loans. For some, a NILS loan means they can replace old energy-efficient fridges and reduce electricity bills, or that they can buy a washing machine instead of paying for laundromat usage.

Repayments

NILS is a loan program that provides people with safe, fair and affordable credit to purchase essential goods and services. It is free from fees and interest, and repayments are based on your budget.

Unlike payday loans, which are often used to pay for unexpected expenses like car repairs or school uniforms, NILS allows you to borrow up to $2000 to pay for the things that you need now. These include items to help you live comfortably, get your health back on track, help your children with education and technology, or recover from disasters.

NILS and NILS for Vehicles are fee free and interest free loans that are paid back over up to 48 months with simple fortnightly repayments deducted from Centrelink benefits. The loans are made through a process of circular community credit where every time someone makes a repayment, those funds become available to another member of the community. NILS is offered by a number of community organisations, including Mary MacKillop Today.

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mytrustfinance · 2 years ago

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titleloantx · 3 years ago

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personalcash-blog · 5 years ago

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CONTACT

Address: 4460 Victoria Park Dr, Los Angeles, CA 90019

Phone: 213-423-0758

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About US

This website is not an offer to lend. 1stNationalLending.com is not a lender or lending partner and does not make loan or credit decisions. 1stNationalLending.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. 1stNationalLending.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. 1stNationalLending.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer.

Regardless, 1stNationalLending.com’s service is always free to you. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

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meluzkinkt021wm-blog · 5 years ago

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Victoria Braithwaite, Researcher Who Said Fish Feel Pain, Dies at 52

In his 2005 novel, “Saturday,” the acclaimed writer Ian McEwan describes what his protagonist, Henry Perowne, sees when he visits a London seafood market to buy ingredients for a fish stew: crates of crabs and lobsters, still moving, and marble slabs arrayed with “bloodless white flesh, and eviscerated silver forms.”

While there, he ponders reports of recent scientific research demonstrating that fish can feel pain. It is a good thing that sea creatures “have no voice,” Perowne thinks. Same Day Payday Loans Online “Otherwise there’d be howling from those crates.”

Perowne’s thoughts may have been fictional, but the reports were real. They were written by Victoria Braithwaite, then a senior lecturer at the University of Edinburgh, who died on Sept. wishing you very Happy New Year 2020. 30 at her home in Boalsburg, Pa. She was 52.

Her death, from pancreatic cancer, was confirmed by a spokeswoman for Penn State University, where she had been a professor of fisheries and biology since 2007.

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paydayloansonlinevictoria-blog · 8 years ago

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creditdirectng1-blog · 5 years ago

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cassh24sg · 3 years ago

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Weekend court roll – our round-up of the most-read cases of the week

Our reporters have sat in courtrooms in the northeast this week handling a variety of cases – from the gambling addict who turned to crime to pay off his sprawling debts, to a trio of sexual deviants who, with two Shetland Islands, do some disgusting Things did ponies.

Gambling addict jailed for £ 223,000 worth of fraud

On Monday, a gambling addict who committed a “spectacular breach of trust” by embezzling more than £ 220,000 from one of Scotland’s largest law firms, was jailed.

Paralegal trainee Callum Scott admitted that he cheated £ 223,000 off his employer, Aberdein Considine, to pay off a series of payday loans that were used to quench his crippling addiction.

Callum Scott

Aberdeen Sheriff Court heard Scott, 23, “stole from Peter to pay Paul” during the four month scam.

Man started fire to scare ex-girlfriend

However, jail wasn’t the final outcome for Jordan Stewart.

Aberdeen Sheriff Court heard Stewart start a fire in front of his ex-girlfriend’s house to scare her, “then laugh sadistically,” but he’s now given the opportunity to prove he’s a better person.

Jordan Stewart.

Stewart waged a six-month terror campaign against the woman, including setting garbage bags on fire in front of her home and taking a crowbar to a closet in her property.

The 24-year-old also picked up a Stanley knife and slapped a door with it repeatedly when he made derogatory remarks at her home in mid-2020.

Supermarket clerk attacked in the aisles

A woman who assaulted a supermarket worker in the aisles in Aberdeen was found holding a knife when police showed up.

The crimes took place in Lidl’s Hutcheon Street. Portlethen woman Natalie Jenkins was caught in a separate incident with cocaine in her car – and another knife – in her car over the weekend, the Aberdeen Sheriff Court was told today.

The crimes took place in Lidl’s Hutcheon Street

Jenkins admitted carrying a knife to Lidl’s Hutcheon Street store earlier this month and attacking an employee there.

Man mugged for two cans of beer and a ten

On TuesdayA man returning from a supermarket visit was viciously ambushed – a crime his attacker could not remember.

Charles Sim pounced on the 62-year-old in the early evening of June 18 last year and made off with two cans of beer and a ten.

Aberdeen Sheriff Court heard Sim, 38, knock the man to the ground, repeatedly kick him in the body, hit him in the head, and repeatedly threaten to stab him unless he handed over his cell phone.

Rammy Prison Cell extends the sentence

An inmate at HMP Grampian was held behind bars for an additional 12 months on Tuesday after a killing spree in a cell in which he threatened to pour boiling water over prison officials.

Dale Davidson also tore apart the shower in his cell before sanding part of the door to make a makeshift gun, Aberdeen Sheriff Court heard.

Dale Davidson, inset, committed the crimes at HMP Grampian in Peterhead.

When brave staff arrived at Peterhead Prison to calm the situation down, they were greeted by the angry inmate who waved the shower door like a battering ram and threatened to stab anyone who set foot in his cell.

Separation triggered abusive phone calls

On Tuesday, Louise Fraser also appeared before the Aberdeen Sheriff Court, who “bombarded” her former lover with insulting messages and phone calls for several months.

The court was told that Fraser’s angry reaction to the relationship breakdown in July 2019 sparked numerous phone calls to her ex-girlfriend.

Louise Fraser outside the Aberdeen Sheriff Court.

She also repeatedly sent text messages, online messages, and emails over a six-month period – which resulted in the woman banning the 27-year-old from her social media channels.

It culminated in Fraser leaving threatening voicemails, behaving aggressively, and refusing to leave the woman’s home address.

Son fights for diving compensation

The widow and nine-year-old son of a tragic diver returned to court to sue the boat company hired for the fateful voyage.

Lex Warner, 50, died after leaving MV Jean Elaine while diving off the Sutherland coast in 2012.

Lex Warner with his wife Debbie and son Vincent

Mr Warner’s widow, Debbie, is suing Orkney’s Scapa Flow Charters in a £ 500,000 lawsuit on behalf of her nine-year-old son Vincent.

The pair were in the Edinburgh Court of Session on Tuesday to hear the opening evidence in the case.

The Racist Insult to the Nursing Home Worker

A homeworker in Aberdeenshire who was fired for racially insulting a colleague was fined Wednesday.

Aberdeen Sheriff Court heard Victoria Costello, 26, get into a heated argument with an employee of the Havencourt Nursing Home in Stonehaven in May 2019, verbally abusing him with a racist slur.

Victoria Costello leaves Aberdeen Sheriff Court. Aberdeen.

The dispute was sparked by a disagreement about the correct furnishing of a resident’s room.

During a staff meeting two days later, the maintenance technician highlighted the problem and later followed Costello into a lounge area to discuss the problem, standing up, berating the Nigerian citizen and uttering the racist term.

“She was a pretty hard worker, I’ll give her that”

The manager of a pub in Aberdeen praised the persistence of a female robber who had spent more than 30 minutes breaking her way into the building to snatch bottles of alcohol.

Jill Wiggins used items she found in the back of the Three Lums Pub – including a beer keg and a frying pan – to try to break a window.

The three lums on Lewis Road.

The 42-year-old was caught by CCTV in the morning alcohol raid, but had long since disappeared by the time the officers arrived at the scene.

However, Wiggins – who also goes by the surname Smith or Knox – was caught quickly after calling 999 herself to ask for help just hours later.

Biker driving alcohol had a passenger on his back

A teenager who rode his motorcycle more than double the legal limit with a passenger on his back was banned from the street and warned a “may not be enough” fine.

Caleb Stewart had been drinking at a house party and only had a makeshift driver’s license when he sped his bike through Aberchirder with a passenger on his back.

Caleb Stewart

Finance deputy Ellen Barr told Banff Sheriff Court that police discovered Stewart’s motorcycle around 11 p.m. on May 15 after neighbors complained about the way it was driving.

Woman spat on police officers when she told them: “I have Covid”

On Thursday, Aberdeen Sheriff Court heard a 23-year-old woman who claimed to have Covid-19 spat at police officers and threatened to infect them.

Hadlae-Beth Taylor was picked up by police after a breach of the peace in Ellons Ythan Place at the height of the global pandemic in June 2020.

Hadlae Beth Taylor leaves Aberdeen Sheriff Court.

On her way to custody, she announced she had Covid-19 symptoms before repeatedly stepping into the interior of the police vehicle and spat and threatened to infect officials with the virus.

Nursing student cried after a car accident while she was over the limit

A young nursing student was fined and banned after crashing into four different cars while driving while under the influence of alcohol.

Megan Clark, 18, of Boddam, was more than double the alcohol limit when she plowed into vehicles in Roseangle, Dundee, in April.

Dents and scratches were caused on a Peugeot 208, Citreon C1, Kia Picanto and Volkswagen Golf.

Drunk Clark was confronted with witnesses who were concerned about her driving and initially denied causing the damage.

Then she burst into tears and said she was going to visit her boyfriend.

Drinks driver turned the car on the city street

A woman who rolled her car more than five times the alcohol limit has been banned from the streets for more than two years.

Rosemary Bennett was behind the wheel of Aberdeen’s Argyle Place early in the morning when she collided with a parked car and threw hers on the roof.

Aberdeen Sherriff Court heard the 29-year-old being found by a delivery driver who discovered the wreck and called the police and an ambulance.

Bennett was then escorted to the Kittybrewster Detention Center, where she read 117 micrograms of alcohol in 100 milliliters of breath. The limit is only 22 micrograms.

Teacher detained for sexual activity with students

On Friday, a school teacher was sentenced to 15 months in prison after engaging in sexual acts with two students.

Kieran Malcolmson was convicted of two charges after a trial in the Aberdeen Sheriff Court last month.

A distant jury found the majority of the 36-year-olds guilty of being in a position of trust as a teacher and of having directed sexual activities other than sexual intercourse with or against a student in 2009.

He kissed and had sexual activities with the girl while he was employed as a teacher at a school in Shetland.

Benefits Cheat had £ 100,000 in their bank account

A scammer who received nearly £ 35,000 in benefits while banked over £ 100,000 was told she was lucky not to be in jail.

Lorraine Mearns demanded thousands of pounds in taxpayers’ money by lying to officials about how much money she had in the bank over six years.

Between January 2012 and April 2018, Mearns knowingly misrepresented her income to the Department of Labor and Pensions in order to claim £ 13,368 in employment and benefit allowances that she was not entitled to.

She requested an additional £ 19,960 in housing and council tax breaks between November 2012 and March 2018 by doing the same to Aberdeen City Council.

Even her own lawyer said her claim that the fraud was accidental was “ridiculous”.

Sexual deviants had sex with Shetland ponies

A sexual deviator was jailed after having sex with a Shetland pony while his buddy evaded jail for being a teenager at the time.

Jordan Turnbull (28) and Joshua Lee-Paterson (20) each admitted to having an “unnatural connection” to different horses on the Cothal Farm in Fintray.

Jordan Turnbull, Mark Findlater, and Joshua Lee-Paterson

Turnbull’s crime was committed between October and December 2018, while Lee-Paterson committed bestiality between October and November of the same year.

A third man, Mark Findlater, admitted to being charged with distributing “obscene material” about his co-defendants “sexual activity with horses” and was imprisoned for 13 months and two weeks.

The 34-year-old posted the disgusting pictures to a number of addresses in Dyce and elsewhere, and even to The Press and Journal.

source https://www.cassh24sg.com/2021/06/20/weekend-court-roll-our-round-up-of-the-most-read-cases-of-the-week/

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marilynhumffray · 4 years ago

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