My Custom Essay Writers Wed, 21 Sep 2022 12:56:13 +0000 en-US hourly 1 My Custom Essay Writers 32 32 4 reasons to take out a personal loan for debt consolidation Wed, 21 Sep 2022 12:56:13 +0000

Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own.

If you’re juggling high-interest credit card debt, taking out a debt consolidation loan to pay off those balances offers 4 major benefits. (Shutterstock)

You can consolidate high interest credit card debt many ways, including home equity products (if you own a home), balance transfer credit cards, and personal loans.

Here are four reasons why you might consider a debt consolidation loan to settle your high-interest debts.

If you want to consolidate your debt, Credible makes it easy to view your prequalified personal loan rates from various lenders, all in one place.

What is debt consolidation?

Before we dive into why a debt consolidation loan makes sense, let’s define what it is. Debt consolidation consolidates multiple debts into one account with one easy-to-manage payment. It’s a strategy you can use to simplify the debt repayment process and potentially save money on interest. If you are overwhelmed with debt, debt consolidation can be a smart move.

Although you can consolidate your debts in several ways, the personal debt consolidation loan is one of the most popular. With a debt consolidation loan, you take out a new loan to repay one or more unsecured debts that you already have. It gives you a manageable monthly payment so you don’t have to worry about juggling multiple debts, interest rates, and payment due dates.

It’s important to understand that while a debt consolidation loan can treat the symptoms of your financial problems, it won’t treat the root cause. Think of it as a tool to give yourself some breathing room so you can get back on your feet and devise a long-term plan for a better financial future.


1. Reduce the overall cost of your debt

A Personal loan can help you reduce the cost of your debt in two ways. If you’re able to lock in a lower interest rate than you currently have on all of your debt, you can save hundreds or even thousands of dollars in interest.

Plus, a personal loan gives you a specific end date for paying off your debt. It can help you stay focused on your goals and pay off your debt faster.

Visit Credible for compare personal loan rates from various lenders, without affecting your credit.

2. Refinance your debt without risking your home or other assets

Although home equity products – such as home equity loans and home equity lines of credit (HELOC) – may have lower interest rates than personal loans, they have some disadvantages you should consider:

  • Deplete your home equity — Since a home equity loan relies on the value you have built up in your home, you could find yourself under water on your mortgage and owing more than your property is worth if the value of your house goes down. This could be a serious problem if you are planning to move soon.
  • Put your home at risk — A home equity loan puts your home as collateral. If you fail to make your payments, you could lose your home through the foreclosure process.
  • May not qualify — Most lenders will not give you home equity loan or HELOC unless you have some equity in your home. Your equity is the difference between what you owe on your mortgage and the current value of your home. Although each lender has their own criteria, most will be looking for at least 15% equity.

A debt consolidation loan, on the other hand, requires no collateral, which means you won’t have to put your house, car or other assets on the line. You can also lock in an interest rate below the one you could get with a credit card.

Your rate will likely be fixed instead of variable (as it would be with many HELOCs), so you can budget your payments in advance. And if you have good or excellent creditit may be easier to qualify for a debt consolidation loan than a home equity product.

3. Reduce your monthly payments

If you have a lot of high-interest credit card debt and take out a personal loan with a lower interest rate, you may be able to lower your monthly payment amount. This can free up your cash flow and give you more money to spend on your emergency fund and other financial goals, such as saving for a home or for retirement.

Choosing a personal loan with a longer term can also result in lower monthly payments. But keep in mind that if you go this route, you will pay more interest over time.

4. Simplify your debt

When juggling multiple loans and credit cards, it’s easy to miss a bill payment. Missing a single payment can impact your credit.

A debt consolidation loan allows you to combine several monthly payments into a single loan with a fixed interest rate. It can make the debt refund much more manageable process and reduce your risk of missed payments. Many personal lenders also offer discounts for setting up automatic payments, which will ensure that your monthly loan payments are made on time.

If you’re ready to apply for a debt consolidation loan, Credible makes it quick and easy compare personal loan ratess to find the one that best suits your needs.

Filipino poet’s manuscript wins NY Book Prize Tue, 20 Sep 2022 22:41:00 +0000

MANILA — A New York-based nonprofit literary association recently awarded a prize to a Filipino poet living in South Africa.

Jim Pascual Agustin received the Gaudy Boy 2022 Poetry Book Award from Singapore Unbound for his manuscript entitled “Waking Up to the Pattern Left by a Snail Overnight”.

He beat out four other shortlisted candidates for the award.

Agustin’s manuscript includes poems about martial law in the Philippines. He said it was his response to the spread of misinformation about the dark chapter in the country’s history.

“This September marks the 50th anniversary of the declaration of martial law by the late deposed dictator Ferdinand Marcos. The lies that continue to be spread by the Marcos’ Cambridge Analytica-trained social media handlers will continue to try to decimate the memory of those who fought the regime,” he said.

The winning manuscript was chosen by Yeow Kai Chai, poet, journalist and publisher and director of the Singapore Writers Festival.

Judge noted that Agustin’s work has an “exquisite sensibility” that is both specific and universal.

“Such insight of mind and heart illuminates the crystalline poems of Jim Pascual Agustin,” Chai said in the award quote he read during the announcement.

“Masterfully observed, illuminated by Zen penetration, these songs of innocence and divine experience a universe of complex lives lived, torn apart, celebrated and repaired. You are enveloped in these fully believable scenarios filled with people and creatures finding themselves in everyday moments, and extraordinary circumstances,” he added.

“With a few deft strokes, many of the poems here go deep and dive inward. Politics, nationality, identity, family, laws of nature – all everywhere at once, but intimately, throbbing at home.”

The Gaudy Boy Poetry Book Prize is awarded annually to an unpublished manuscript of original English-language poetry by an author of Asian descent. The winner also receives $1,500 and publication of a book in the United States and Singapore.

Agustin’s latest achievement follows the release of “Bloodred Dragonflies”, his first book published in South Africa. It is available in the Philippines through San Anselmo Press’ Facebook and Shopee pages.

Related video:

]]> Bill Maher clashes with liberal reporter who claims Trump supporters ‘have plenty to repent for’ Mon, 19 Sep 2022 23:09:12 +0000

NEWYou can now listen to Fox News articles!

‘Real Time’ host Bill Maher had a tense exchange with Puck News correspondent Julia Ioffe after claiming that Trump supporters “have a lot to repent for.”

During the “Overtime” segment where viewers’ questions are answered after the broadcast on YouTube, Maher complained about the political polarization that has taken place across the country in recent years and the fact that he does not want not have to “choose sides” since he finds things nasty with both parties.

Presidential historian and Biden speechwriter Jon Meacham explained that he was “friends” with many Republicans in his home state of Tennessee who dislike former President Trump and how ” they want forgiveness but they don’t want to repent”.

“I don’t apologize for s—,” country music legend Trace Adkins reacted, sparking laughter from the audience. “It’s not personal, it’s political.”


“Real Time” host Bill Maher defended Trump supporters after guest Julia Ioffe claimed they had “much to repent for.”

Ioffe, however, pushed back.

“It’s personal. I think Trump made a lot of things personal,” Ioffe said. “And when you talk about the division in this country, you can’t talk about it like it’s a weather phenomenon that just happened, right? There were some things that were done by certain people in certain institutions, including Trump – very consciously, to divide this country, to attack the cracks that already existed and to make them wider and wider and wider to the point where we can no longer see ourselves through them .”


“So it’s not just like, ‘Oh my God, it happened.’ This was done on purpose by Trump in many ways…and so when we say it’s not personal, it’s personal.And I think the people who supported Trump and enabled Trump have something to which to apologize and have plenty of reasons to repent,” she continued.

“A man who calls countries bullshit countries, who tells congressmen to go back where they came from, who calls women pigs, who makes fun of their menstrual cycles, I could go on and on and on and on… And that people still follow it and think it’s still okay… That’s something we need to talk about,” she said.

“I would say most people I know who voted for Trump say, ‘The biggest mistake liberals make is thinking I like him,'” Maher replied.

“It doesn’t matter,” interrupted Ioffe. “If you vote for him -“

“What they’re saying is you have two choices in this country, I would never vote for Donald Trump, no one has been harder on Donald Trump than me… but that’s a bit more nuanced than that. It’s a little more nuanced than that. I understand why the people who make the decision to vote, which most people do, aren’t based on who I like the most but who I hate the most. less,” Maher said.


Ioffe pushed back: “It means all the things he’s said and done aren’t bad enough to stop you from voting for him, which means you’re more okay with him being in power. and that he has the nuclear codes and that he has control of the military and the Department of Justice… that means you’re ok with that or you’re more ok with that than the other guy, no matter what he said, no matter what he did.

“That means all of these things weren’t bad enough,” the Puck News founding partner later added.

Puck News correspondent Julia Ioffe ran into "Real time" host Bill Maher during a panel discussion on Trump supporters.

Puck News correspondent Julia Ioffe clashed with “Real Time” host Bill Maher during a panel discussion on Trump supporters.

“It depends on your priority,” Maher said. “For me, the two biggest issues are democracy and the environment… but I don’t have children. I know people who say, ‘I have children and I don’t like it when they come home and say ‘Uh, they divided the class today into oppressors and oppressed. And if I change my gender, I don’t have to tell my parents. There’s stuff like that that make people say, “You know, I agree. Donald Trump is a bad guy. He’s got everything wrong with one man. But I have these other considerations. “That’s all.”


He told Ioffe: “And that’s why you, you know, you seem to have such disregard for half the country. I don’t think that’s going to get us where we need to go because… I think we’ve crossed that line And now the question is, how can we go back How can we go back since I hate you so much I can’t live with you And we have to live with each other There’s no flat we can put the tape in. We have to find a way.

Debt consolidation loan: what you need to know Mon, 19 Sep 2022 16:14:00 +0000
Debt consolidation loan application form with pen, calculator
Debt consolidation loans combine multiple debts into one loan, which can potentially save you money.

Getty Images

If you’re struggling to manage your debts on multiple credit cards, a debt consolidation loan could simplify your monthly finances and help you regain control. When you take out a debt consolidation loan, you pay off multiple debts and replace them with a single loan with a fixed monthly payment. You might even be able to lower your interest charges and monthly payments.

If this sounds like something you could benefit from, consider talking to a lender. You can get a debt consolidation loan offer today.

What is a debt consolidation loan?

A debt consolidation loan can be used to pay off multiple debts, including credit cards, medical bills, and personal loans. Debt consolidation loans are a type of personal loan that you can use to combine multiple high-interest credit cards with one low-interest loan.

You may qualify for a debt consolidation loan of up to $100,000 with flexible repayment terms typically ranging from two to five years.

Why would anyone want a debt consolidation loan?

Taking out a debt consolidation loan may make sense if any of the following circumstances apply to you:

  • You want to pay less interest. If you have multiple high interest credit cards, you might consider debt consolidation into a personal loan with a lower interest rate. According to recent data from the Federal Reservethe average interest rate on a 24 month personal loan is 8.73%, which is well below the average credit card interest rate of 16.65%.
  • You want a specific repayment date. Credit cards offer a convenient way to borrow and pay off debt as you go, but if you only make minimal payments, you could stay in debt indefinitely. For this reason, you may want a debt consolidation loan to follow a repayment plan for a specific duration, with a specific end date when your final payment will bring your balance down to zero.
  • Your credit score is sufficient to qualify. Whereas personal loans are available to borrowers with below average credit, a higher credit score may qualify you for lower rates. Generally, the higher your credit score, the lower the interest rate you can receive. As a rule, you can benefit from advantageous conditions with a good credit scorethat begins with a FICO score of at least 670 or a VantageScore of 661 or higher.
  • You can pay off your consolidation loan in five years or less. Debt consolidation loans are installment loans that usually have a repayment term of two to five years. Of course, the longer you pay off the loan, the more interest you will pay. A debt consolidation loan may be a suitable option if you can minimize interest costs by paying off your loan in less than five years.

The advantages of a debt consolidation loan are manifold. Start saving money and getting out of debt by exploring your loan options now.

How to qualify for a debt consolidation loan?

Qualifications for debt consolidation loans vary by lender, but most lenders strongly consider the following eligibility factors.

  • Proof of income: Almost all lenders require you to meet a minimum income requirement to prove that you have the financial stability to repay your loan. Minimum income amounts vary by lender, and you’ll likely need to prove your income with pay stubs, bank statements, or tax returns.
  • Credit file and credit score: When a lender reviews your debt consolidation loan application, they typically extract your credit report and credit score to assess your credit management history. If your credit is below average, you might be better off taking steps to improve your credit before applying for a new loan.
  • Low debt-to-income ratio (DTI): Your debt-to-income ratio (DTI) is another important criterion used by lenders to assess your ability to repay your loan. The ratio compares the total amount of your monthly debt repayments with your gross monthly income. For example, if your gross monthly debt payments total $1,000 and your gross monthly income is $5,000, your DTI ratio is 20% (1,000/5,000 = 0.200). Aim for a DTI of 36% or less for your best chance of loan approval.
  • Collateral: Some lenders require collateral for larger debt consolidation loans, often in the form of home equity.

Be aware that some lenders charge processing fees (also known as origination fees) ranging from 1% to 8% of the amount borrowed.

How to apply for a debt consolidation loan?

Taking out debt consolidation is quick and easy, and you can apply by following these five steps.

  • Shop around and compare lenders. Comparing several loan offers can help you find the best debt consolidation loan to meet your needs. Many online lenders allow you to prequalify for a loan to assess your chances of approval and the interest rate you may receive. When you prequalify, the lender usually does a soft credit check that doesn’t affect your credit score.
  • Choose your loan offer and your lender. Consider loans that offer the best balance of low interest rates and fees, flexible repayment terms, and achievable eligibility requirements. After reviewing several personal loan offers, select the one that best suits your needs.
  • Complete a loan application. Once you have chosen a lender, submit a formal application. You will need to provide information about your job, your income and the amount you want to borrow. Your lender may ask you to provide supporting documentation, including government-issued ID, pay stubs, account statements, and proof of residency.
  • Pay your debt. Once your lender has approved your loan application, you must sign the loan to release the funds. Your lender can disburse your loan funds directly to your competitors to pay off debts on your behalf. Alternatively, your lender deposits the money into your account and uses the funds to pay off each of your debts.
  • Keep making payments. Upon loan approval, you are responsible for making payments on your new loan. However, it may take some time for your old creditors to close your accounts. To avoid damaging your credit, continue to make payments on your old accounts until they are officially closed.

Debt Consolidation Loan Alternatives

If you don’t want to take out a debt consolidation loan, there are other options to consider, such as:

  • 0% APR Balance Transfer Credit Card: These credit cards offer an interest-free period of up to 21 months. You can pay off as much debt as you can during the promotional period at 0% interest, but understand that these cards generally require good credit to qualify.
  • Home Equity Loan: You may be able to tap into the equity in your home to pay off your outstanding debts. Typically, lenders allow you to borrow up to 80% of the value of your home, minus your mortgage balance. Home equity loans involve considerable risk since you have to offer your house as collateral.
  • Credit advice: Instead of borrowing money to pay off your debt, you might consider getting credit counseling from a nonprofit agency. An advisor can help you budget and design a repayment plan. Some agencies will even contact your creditors to lower your interest rates. Online financial advisors can also help point you in the right direction.

Whether you take out a debt consolidation loan or use another method, eliminate credit card debt can dramatically improve your financial health, but only if you can avoid accumulating new debt and repeating the cycle. As a general rule, never charge more than you can afford.

]]> Biographer of Ukraine famine reporter acknowledges bravery – Kyiv Post Sat, 17 Sep 2022 10:51:09 +0000

The name of Gareth Jones, the journalist who exposed the Ukrainian famine of 1932-33, also known as the Holodomor, during which millions of people died, is well known in Ukraine. Not only does he have a street named after him in Kyiv, but he was also posthumously named a Hero of Ukraine by the Ukrainian government.

However, the Welshman from the coastal town of Barry hasn’t received the wider recognition he deserves in his own country. So far.

Martin Shipton, political editor of the Western Mail, a newspaper where Gareth Jones worked as a journalist, has just published a biography about him.

Called Mr Jones, the man who knew too muchShipton said: “The family had written material themselves, but what was needed was a fresh, more contemporary look at Gareth Jones.”

After a busy book launch at the Little Man Coffee Shop in Bridge Street on Monday September 5, the name of Gareth Jones was heard again in Cardiff, its author highlighting the tremendous achievements of this investigative journalist, who has not never reached its 30th birthday. birthday.

Diaspora members sat and listened in awe, joined by newcomers from war-torn Ukraine. Mick Antoniw, MS (Member of the Senedd – Welsh Parliament) is Legal Counsel for Wales and Cabinet Member of the Welsh Government, who wrote the foreword to the book, spoke passionately about his family at home and said Ukraine would never give in to Vladimir Putin, whom he calls a fascist.

Ahead of the book launch, author Martin Shipton spoke to Kyiv Post.

Publication of the book was delayed by COVID and Martin being gravely ill – but the downside of this worked in favor of making the book more timely and relevant.

“With Putin’s full-scale invasion of Ukraine, there were so many resonances to how Ukraine was treated in the 1930s in the context of the Holodomor,” he said. .

“In a way, the delays allowed me to make much more revealing observations and comparisons between what was happening in the 1930s and what is happening today.

“It gave the book an extra dimension, and the other factor that led to the writing of the book was that there had been a film produced about Gareth Jones. [released in 2019].”

I asked Shipton if his office at the Western Mail was somewhere near where Gareth Jones would have sat. He had been portrayed in the film starring James Norton. Unfortunately, Shipton said, the office had been simulated.

The original newsroom where Gareth would have knocked out his stories on a typewriter was long gone. A new building had been constructed in 1961, decades after his death, and the last office was built in 2008.

The only crumb of comfort Shipton could give me was that the original building where he allegedly deposited his stories was a few hundred yards away in the center of Cardiff.

And as if it mattered, he said, “He lived in Barry, about 10 miles away, which meant he had to take the bus to work.”

The 348-page book is easy to read, peppered with extensive archives that Shipton pored over on weekends and evenings while pursuing his day job. There were overnight stays in Aberystwyth, where the National Library of Wales is located. There he faced a mountain of letters and other materials.

“When he was traveling, he would write at least a weekly letter to his parents,” Shipton said. “There were also notebooks he had.”

It took Shipton about three years to write, but what stands out most about the book for him is seeing the development of Gareth Jones into someone who could stand up to a very powerful group of journalists who essentially monopolized what was happening in the Soviet Union.

“I wanted to understand what it was about his background that gave Gareth Jones the tools and the strength of character to be able to take on these very powerful interests,” Shipton said.

“It was his whole story of someone who came from a family in Wales, where both of his parents were very principled individuals. His father was the principal of a local school, his mother had worked in Ukraine as a nanny for the children of the John Hughes family, who came from Merthyr Tydfil, and had established an iron factory in what is now Donetsk. [formerly called Hughesovka].

“His parents were liberal and with Gareth working for the great statesman David Lloyd George, he gave him a lot of self-confidence,” Shipton said.

In the book, people from the West, like playwright, literary critic and prominent British socialist George Bernard Shaw, were taken in by the Soviet regime. Despite being a big voice for the underdog, Shaw believed he had found “worker’s heaven.”

Gareth Jones was also confronted by Walter Duranty, the New York Times Moscow bureau chief, nicknamed Stalin’s apologist, who said Jones based his Holodomor views on a large-scale famine while visiting a small region of Ukraine.

In response, Jones said his evidence came from three trips to Russia, visiting 20 villages in Ukraine and what was called the “black earth (chornozem) district” and speaking to 20-30 consuls and diplomatic representatives. of various nations who supported his opinion, but were not allowed to speak to the press, but were quite open in private conversation.

This file photo, released by the State Sectoral Archive of the Security Service of Ukraine, shows members of the committee for the confiscation of grain, Odessa region, 1932. (Photo credit: EuroMaidan Press)

By March 1933, Jones was determined to bring the Ukrainian famine to as wide an audience as possible. Instead of publishing an article, he held a press conference in Berlin, Germany.

Shipton said: “He wasn’t selfish. Many journalists would have said ‘this is my story, I want to keep it to myself’. Instead, he wanted to get maximum exposure, pointing out the horrific treatment inflicted by the Stalinist regime.

Shipton believes he made the decision based on what he learned while working in former Prime Minister David Lloyd George’s private practice, but also from Ivy Lee, one of the founders of public relations.

“He was well placed to take advantage, with his own character traits and his own experience of principle, to get his point across in a way that others would not.”

Shipton makes it clear that in the book he didn’t just want to glorify Gareth Jones, but also point out some of his flaws. In terms of interpretation, Jones did not believe that Hitler would come to power. He wrote this a few days before coming to power.

Gareth Jones never forgot his Welsh roots and spoke the language. He was also fluent in English, Russian, French and German. He traveled widely, visiting the United States during the Great Depression, and was the first foreign journalist to travel on a plane with Hitler after the Nazis took power in Germany. There is also a chapter on Wales and Ireland, subtitled ‘Celtic Culture and Nationalism’.

Jones was killed on the eve of his 30th birthday by bandits in Manchukuo – Japanese-occupied Inner Mongolia – while on a fact-finding tour around the world.

In the book, Jones’ niece, Margaret Siriol Colley, is convinced that her uncle was murdered at the behest of the Japanese for political reasons.

In his book, A Manchukuo Incident, she wrote: “The secrets he knew died with him. The countries involved have a lot to answer for and no one can be credited with trying to save it. He was just a pawn in an international chess game.

Colley’s son Nigel, who died in 2018, had another theory. In an MI5 file released in 2002, he identified those with Jones as Mueller, a German and Soviet agent, driver Anatoli, a white Russian, and Adam Purpis, a Chinese Communist banker and supplied them with weapons. He believed that “together they led Gareth to his murder or were indirectly responsible for it in some way”.

Shipton’s own view is to accept Nigel’s version that Gareth Jones’ death was engineered by the Soviets, even though there is no definitive proof. There are powerful comparisons to be made between what happened in Ukraine in the 1930s, he points out, and what is happening now.

As before, the Ukrainian nation finds itself in a struggle for its very survival.

Cover of Martin Shipton’s new book on Gareth Jones, Mr Jones: The man who knew too much.

Brett Favre Biographer: Don’t Buy My Book Thu, 15 Sep 2022 19:30:39 +0000

Brett Favre, a member of the Pro Football Hall of Fame, has established a reputation on the field as a sharpshooter willing to take risks. In October 2016, Jeff Pearlman, highly respected sports journalist and New York Times best-selling author, published his book on Favre titled: “Gunslinger: The Remarkable, Improbable, Iconic Life of Brett Favre”.

Now Pearlman has some advice for people considering buying the book:


Favre, a member of the Pro Football Hall of Fame, was reportedly questioned by the FBI about an alleged social scandal involving a new volleyball center at the University of Southern Mississippi.

Earlier this week, reports surfaced claiming texts allegedly showed Favre worked with then-Mississippi Governor Phil Bryant, among others, to embezzle at least $5 million from welfare from the state to help build a volleyball center in southern Mississippi. At the time, Favre’s daughter was playing sports at school.

Favre played in South Mississippi from 1987 to 1990. He then played in the NFL for the Packers and Vikings and is widely considered one of the greatest QBs in NFL history.

According to an ESPN story, Favre’s attorney, Bud Holmes, denied that the former quarterback knowingly received social funds in connection with the alleged scam.

“Brett Favre has been honorable throughout this case,” Holmes told Mississippi Today this week.

NFL world reacts to comments from Brett Favre biographer Wed, 14 Sep 2022 21:23:28 +0000