Travel services – War History 1944 http://warhistory1944.co.uk/ Tue, 21 Jun 2022 16:05:22 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://warhistory1944.co.uk/wp-content/uploads/2021/10/icon-35-120x120.png Travel services – War History 1944 http://warhistory1944.co.uk/ 32 32 Hourly Wage vs Salary – What’s the Difference? https://warhistory1944.co.uk/hourly-wage-vs-salary-whats-the-difference/ Tue, 21 Jun 2022 06:00:10 +0000 https://warhistory1944.co.uk/hourly-wage-vs-salary-whats-the-difference/ Many people use salary as a criterion when looking for new job opportunities. After being hired for a position, you will receive your compensation on an hourly or salary basis. Therefore, understanding the fundamental differences between hourly payments and wages can be of great importance. This article will discuss the significant differences between hourly wage […]]]>

Many people use salary as a criterion when looking for new job opportunities. After being hired for a position, you will receive your compensation on an hourly or salary basis.

Therefore, understanding the fundamental differences between hourly payments and wages can be of great importance.

This article will discuss the significant differences between hourly wage and salary. Keep reading.

An overview of the salaried salary compared to the hourly salary

The Fair Labor Standards Act (FLSA) classifies most American workers as “exempt” or “non-exempt.” If you are a non-exempt employer, you are entitled to receive 1.5 times your standard hourly wage for hours worked over 40 hours per week. Exempt employees, however, are not paid for overtime.

Generally, an employee must earn at least $684 per week, or $35,568 per year, be paid on a salary basis, and perform exempt work that requires discretion and personal judgment at least 50% of the time. For example, if you are a supervisor, you are probably exempt. This implies that you are paid on a salary basis, so you will not be paid for overtime, regardless of how many people you have worked per week.

According to the FLSA, whether or not an employee is exempt from their position is not up for debate. Your job classification is based on the tasks you perform, not your job title.

How does a salary work?

When you work for pay, your paycheck is always the same amount. This employment contract specifies the amount that will be paid to you for the duration of your employment or until the conditions are modified. It is a form of hidden expense.

Although salaried staff are paid at a fixed rate, they also have certain obligations and duties that they must fulfill, even if this sometimes means working longer hours and weekends. Sometimes this can make it harder to separate career and family.

How does the hourly wage work?

Hourly employees are paid for all hours worked. If an employer asks you to work more, he must compensate you accordingly. Some companies may pay overtime for holidays, but it’s not mandatory unless it’s in your employment contract. If you work in a high-paying industry with frequent overtime, you can make more money than if you were paid the same salary.

There is also the lifestyle aspect. Once hourly employees finish their hours, they can devote their time to family, hobbies or a second job.

Unfortunately, hourly employees are more likely to lose their jobs than their salaried colleagues. When the rules change or the company goes through a rough patch, hourly employees are often the first to be laid off.

Losing a job can be tough if you don’t save for rainy days. Fortunately, you can turn to legitimate lenders. Companies like Viva Payday Loans will connect you with lenders offering $255 payday loans online same day to keep you going.

There may also be implications for medical insurance qualification. Companies with more than 50 employees are required to provide health care to full-time workers who work more than 30 hours per week. Therefore, some companies limit hourly employees to less than 30 hours per week to escape the requirement.

Wage versus hourly: main differences

Salary

Hourly

Guaranteed weekly salary Salary is determined by the number of hours worked
There is no overtime pay If you work more than 40 hours per week, you are paid double your normal rate
There are benefits, such as health insurance, sick leave, and paid vacation

Personal health insurance, unpaid unless you work
Finding personal time can be difficult Employees must only work until a specific time
There is a sense of job security workers can be easily fired

The essential

There are pros and cons to being an hourly or salaried worker. However, salaried employees often receive additional benefits, including sick leave, vacation pay, retirement funds, and other benefits. Companies that employ hourly workers do not provide paid time off and may be responsible for their health care. Conversely, hourly workers have greater freedom and may be allowed to determine their hours.

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What is Earned Wage Access and how does it help employees? With Kalkine, the clearing house and more https://warhistory1944.co.uk/what-is-earned-wage-access-and-how-does-it-help-employees-with-kalkine-the-clearing-house-and-more/ Wed, 15 Jun 2022 12:01:01 +0000 https://warhistory1944.co.uk/what-is-earned-wage-access-and-how-does-it-help-employees-with-kalkine-the-clearing-house-and-more/ It’s very easy for many new to the fintech space to think that fintech is an exclusive term for payments technology, and while there’s some truth to that, it doesn’t tell the whole story. history of fintech. However, in June, Fintech time seeks to indulge this belief as we seek to discuss hot topics regarding […]]]>

It’s very easy for many new to the fintech space to think that fintech is an exclusive term for payments technology, and while there’s some truth to that, it doesn’t tell the whole story. history of fintech. However, in June, Fintech time seeks to indulge this belief as we seek to discuss hot topics regarding both sending and receiving payments, such as Buy Now Pay Later (BNPL), First Paydays and more.

Amid the skyrocketing cost of living and growing gig workforce, access to earned wages (EWA) has become more of a necessity than a luxury. This idea of ​​“by the minute” access to salaries has become a serious topic in the wider world of paid tech, as getting paid weekly or hourly continues to lose popularity.

An analysis of the subject in 2021 by 60 decibels and charity-backed fintech service Wagestream confirmed this shifting appetite for access to wages, with the joint study revealing how up to nine in 10 workers want their employer to remove the locked monthly pay cycle.

The same study identified employers currently offering an EWA as part of a financial wellness policy, which includes bupa, brew dog, J.D. Sports, Pizza Hut, Leon, Virgin Care, Head of the road and the NHS.

It’s clear that the space around EWA is getting more and more pronounced, and the industry can expect to see even more developments in this exciting form of technology over the next year.

With that in mind, we invited four payment technology experts to define what EWA means to them and how they see it bringing benefits to both employers and employees.

Kunal Sawhney

First of all, we have Kunal Sawneythe CEO of Kalkinwho views EWA as an appropriate remedy for increasing levels of financial stress: “EWA is a program in which employees can access a portion of their accrued but unpaid salary at any time prior to the actual payday.

“EWA is very useful for employees who are going through financial difficulties. Most of the employees who want to take advantage of the EWA are millennials. Employees going through a financial crisis can go through tough times with EWA. They can save big on additional penalties for late payments, high interest to lenders for emergency loans, and bank overdraft fees.

“According to a watercraft report, 50% of employees spend three hours a week worrying about their finances. Is salary finance the new personal loan? Although a payday loan and payroll financing have the same goal of freeing a needy employee from the grip of a financial constraint, their modus operandi vary. Salary Finance is a new way for employees to withdraw money from their accrued (but unpaid) salary. However, a payday loan is a short-term loan that an employee takes out from any lender at a very high interest rate.

Jim Colassano, SVP, Product Development and Strategy at The Clearing House
jim colassano

jim colassanoSVP, Product Development and Strategy at The Clearing Accommodationexplains how EWA helps employers appear more attractive while enabling them to attract new levels of talent: “Pay-as-you-go and EWA have become important perks for many employees and a recruitment and retention tool for employers.

“It helps employees because it gives them access to money they’ve already earned (but haven’t yet received during the normal payroll cycle) when and if they need it. It helps workers deal with unexpected expenses, like an emergency car repair, without having to dip into their savings or rely on credit. »

Jim reinforces his point by providing real-life examples of pay technology in action: “There are many examples of pay-on-demand and EWA, many of which are paid in real-time over the RTP network:

“The economy of the gig: Uber and Grubhub, to name just two gig companies, allow drivers and couriers to cash in instantly. Drivers/couriers can receive their earnings directly into their bank account at any time, and some drivers or couriers actually receive their wages into their bank account several times a day. These payments, often via the RTP network, allow the worker to control exactly when they want to be paid.

“Retail/services industry: With a tight labor market, retailers and restaurants, for example, are beginning to allow workers to be paid whenever they want. EWA is an important benefit for employees and allows them access to earned wages when needed.Some fast food chains entice employees with promotions that say “work today, get paid today.”

“Retailers, like walmart, Kroger and Dollar Treealso offer instant payment options. Daily Pay, payactiv, Payfare and Payment are some of the payroll providers that offer instant payment on the RTP network. »

Yusuf Ozdalga, London Partner, QED Investors
Yusuf Ozdalga

Yusuf OzdalgaPartner and Head of UK and Europe for CQFD Investorsidentifies how EWA enables a higher level of financial freedom: “Data tells us that more than half of workers in the UK and US are working paycheck to paycheque, which means that they have less than £300 left in their bank account at the end of each month.

“This causes enormous stress for these workers, and knowing that they can access their already earned wages creates an element of security. If their car breaks down and they need £200 to fix it to get to work, they would once have had to have a stressful conversation with their loved ones, ask for money or, in the worst case scenario, s go to a predatory lender. . With EWA, they can withdraw the money they have already earned and do it instantly, without any approval.

“It is important to note that EWA works best when the unexpected cash requirement is less than the monthly disposable income. So, for example, if I need £200 to fix my car like in the example above, and my disposable income for the month will be £400, EWA makes a lot of sense.

“If, on the other hand, my unexpected need is £2,000, I would need a responsible lender to step in with a cost-effective, customer-friendly installment plan to lend me that money over several months, paying it back through installments over time.”

Fidelma McGuirk, CEO and Founder of Payslip
Fidelma McGuirk

Concluding our discussion, Fidelma McGuirkCEO and Founder of Payslipgoes further than highlighting the benefits of EWA, outlining the practical implications of its implementation: “EWA enables company employees to access their salaries and wages at multiple points in a work month per opposed to a fixed single payment at the end of the month, for example the traditional payday.

“Employees around the world earn their wages while they work and the EWA operates with the idea that they should then be able to access it the moment they earn it.

“The implications for the wage bill are significant. This would involve significant complexity and potential compliance issues. They should partner with a payment company or fintech provider that makes it easy for them to release funds to employee bank accounts multiple times within a business month.

“It also has implications for HR who should decide what kind of company policy to implement on this, for example, how many days in a particular month are they willing to release payments for EWA.”

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EMEA Daily: EU unveils new BNPL rules https://warhistory1944.co.uk/emea-daily-eu-unveils-new-bnpl-rules/ Fri, 10 Jun 2022 17:33:31 +0000 https://warhistory1944.co.uk/emea-daily-eu-unveils-new-bnpl-rules/ In today’s major stories from Europe, the Middle East and Africa, the European Union is preparing new Buy Now, Pay Later (BNPL) rules that would reduce their transparency requirements. In addition, the Bank of England distributes a bulletin to lenders on their plans for bank failure, and Moroccan Chari acquires the Diago retail application. EU […]]]>

In today’s major stories from Europe, the Middle East and Africa, the European Union is preparing new Buy Now, Pay Later (BNPL) rules that would reduce their transparency requirements.

In addition, the Bank of England distributes a bulletin to lenders on their plans for bank failure, and Moroccan Chari acquires the Diago retail application.

EU Council Amendments to Consumer Credit Bill Favor BNPL Suppliers

The Council of the EU has agreed to revise the Consumer Credit Directive (CDD), with new rules that could reduce transparency requirements for BNPL providers.

The existing CCD, introduced in 2008, covers most consumer loans, ranging from €200 to €75,000 in value.

However, loans below €200 fall outside its scope, which means that most BNPL loans are not covered by the existing rules. The proposed amendment would change this by including BNPL schemes, payday loans, short-term overdrafts, interest-free credits and loans provided by crowdlending platforms.

BOE: UK banks must show they can fail ‘safely’

Three of the UK’s biggest lenders still have work to do to prove they could fail without harming customers and taxpayers, the Bank of England (BOE) has announced.

The BOE carried out an assessment to determine whether HSBC, Lloyds Banking Group and Standard Chartered had made the right preparations to manage their – theoretical – collapse.

The regulator made it clear that while there were many areas where lenders could improve, they could potentially fail while “staying open and continuing to provide vital banking services to the economy”.

Moroccan Chari buys the Diago application

Moroccan B2B e-commerce platform Chari has purchased Diago, a retail app headquartered in Ivory Coast.

The all-stock deal will keep Diago founders, Amidou Diarra and Ali Ouattara, as the company’s managing director and CEO, with the founders overseeing local business growth before branching out into other sub-Saharan African countries. .

“The entire Diago team will benefit from the full support capabilities of Chari,” said Cyrille Jacques, Vice President of Chari, who leads the company’s international expansion. “Chari’s back office in Casablanca will help the Diago team in setting up operations, IT tools and customer service.

UK Government Pushes for Crypto Sandbox and Stablecoin Regulation

In a bid to become a global “crypto hub”, the UK is gearing up to start testing crypto-blockchain technology in financial market activities like trading and settlement.

The country’s Department of Finance said the UK is taking a number of steps to promote the use of blockchain and crypto assets, and creating a friendly regulatory environment to attract investors.

Gwyneth Nurse, the department’s chief financial services officer, said the use of distributed ledger technology (DLT), the underlying technology used by crypto assets, is a critical priority for innovation in financial markets. . That’s why the UK is set to launch a regulatory sandbox in 2023 to test DLT projects.

CEO of MFS Africa: Prepaid cards open up a world of online payments to millions of people in Africa

The ability to make transparent international payments varies from place to place, an imbalance that payment company MFS Africa wants to correct.

Speaking to PYMNTS, MFS Africa Founder and CEO Dare Okoudjou said one of the ways his company is working to address the issue is through the acquisition of FinTech Global Technology Partners (GTP) in the United States. United to provide access to global companies like Netflix and Amazon. Africa does not have card credentials to process online.

The deal will allow consumers and merchants in the region who store money on mobile phones or digital wallets to get a prepaid virtual card to make seamless card payments to these global businesses that have eluded them until now. ‘now.

FLEETCOR acquires British group Global Reach, provider of cross-border payments

Global merchant payments company FLEETCOR Technologies to acquire Global Reach Group, a UK-based cross-border payments provider

FLEETCOR says the deal will help it boost its cross-border payments capabilities, with the sale expected to close in the fourth quarter of the year.

“Global Reach is a fantastic addition to our existing cross-border operations that can be quickly integrated into our global operations,” said Ron Clarke, President and CEO of FLEETCOR. “We expect the deal to be immediately accretive after closing with additional synergies to be added in year two.”

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NEW PYMNTS DATA: THE CUSTOM PURCHASING EXPERIENCE STUDY – MAY 2022

About: PYMNTS’ survey of 2,094 consumers for The Tailored Shopping Experience report, a collaboration with Elastic Path, shows where merchants are succeeding and where they need to up their game to deliver a personalized shopping experience.

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Review of possible financing installment loans 2022 – Forbes Advisor https://warhistory1944.co.uk/review-of-possible-financing-installment-loans-2022-forbes-advisor/ Thu, 09 Jun 2022 17:12:24 +0000 https://warhistory1944.co.uk/review-of-possible-financing-installment-loans-2022-forbes-advisor/ Although Possible Finance can quickly offer small loans to borrowers with bad credit (or no credit), it charges higher APRs than some other personal lenders. Here’s how Possible Finance’s installment loans stack up against competitors. Possible financing against upgrade Upgrade offers personal loans starting at $1,000, so it might be a better option than Possible […]]]>

Although Possible Finance can quickly offer small loans to borrowers with bad credit (or no credit), it charges higher APRs than some other personal lenders. Here’s how Possible Finance’s installment loans stack up against competitors.

Possible financing against upgrade

Upgrade offers personal loans starting at $1,000, so it might be a better option than Possible Finance if you need to borrow more than $500. In fact, you can borrow up to $50,000 with the upgrade and APRs start around 6% and go up to 36%. Since Upgrade’s rates are much more competitive than those of Possible Finance, it may be worth checking to see if you qualify for one of its personal loans before borrowing a Possible installment loan.

The upgrade requires a minimum credit score of 580 to qualify, making it a viable option for potential borrowers with damaged credit.

Related: Personal Loans Review Upgrade

Possible financing against SoFi

Possible Finance offers small loans up to $500, but SoFi funds personal loans between $5,000 and $100,000. SoFi’s competitive APRs start around 6%, but you’ll need to pass a credit check to qualify. SoFi requires a minimum credit score of 650. If you cannot qualify on your own, you may consider applying with a co-borrower, such as a spouse or trusted friend.

Related: SoFi Personal Loans Review

Possible financing against LightStream

Similar to SoFi, LightStream also offers personal loans from $5,000 to $100,000, depending on the purpose of the loan, with competitive APRs starting in the low single digits. While Possible Finance finances short-term loans, LightStream allows you to repay your loans over two to 20 years. You must have a minimum credit score of 660 to qualify for a LightStream personal loan.

Related: LightStream Personal Loans Review

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Schapiro: A payday loan battle that started in Virginia with a whimper, ended with a bang | Columnists https://warhistory1944.co.uk/schapiro-a-payday-loan-battle-that-started-in-virginia-with-a-whimper-ended-with-a-bang-columnists/ Tue, 07 Jun 2022 06:00:00 +0000 https://warhistory1944.co.uk/schapiro-a-payday-loan-battle-that-started-in-virginia-with-a-whimper-ended-with-a-bang-columnists/ Jeff Schapiro DEAN HOFFMEYER/TIMES-EXPATCH///////// Jay Speer has been lobbying the Virginia legislature for as long as he’s been a parent: 22 years. And for almost all, while he and his wife raised two children, both now out of college, Speer fought back against the high-cost instant loan industry, arguing that payday lenders and securities cars […]]]>





Jeff Schapiro


DEAN HOFFMEYER/TIMES-EXPATCH/////////



Jay Speer has been lobbying the Virginia legislature for as long as he’s been a parent: 22 years.

And for almost all, while he and his wife raised two children, both now out of college, Speer fought back against the high-cost instant loan industry, arguing that payday lenders and securities cars mainly exploit the poor. with debts they find it difficult to repay – if at all.

For Speer, executive director of the Virginia Poverty Law Center, the industry is now a much smaller target, having been held back by rules imposed by Democrats in 2020, when their party commanded every corner of state government. Even Republicans long friends of the lenders supported the reforms.

Speer’s fight with loanees may have died down, but it’s by no means over. A little-noticed mid-May settlement of a federal lawsuit filed more than three years ago by Speer’s organization and two law firms, Kelly Guzzo of Fairfax and Consumer Litigation Associates of Newport News, says as much. .

Under the settlement, 550,000 borrowers here and in other states won’t have to pay $489 million in illegal internet-based payday loans for which they were charged 600% interest. Most borrowers will split $450 million in cash repayments. An additional $39 million is for those who paid illegal amounts to lenders.

People also read…

Despite their checkered track record, Virginia was open to payday lenders — they’re so called because they provide a cash advance against a borrower’s salary — during a pro Democrat’s 2002-2006 gubernatorial term. -company, Mark Warner, now a US senator who has since cooled off in the industry.

Warner signed the legislation sent to him by a Republican-controlled General Assembly even as his top aides pressed him to reject it. One of them threatened to resign in protest. Warner’s successor, fellow Democrat Tim Kaine, not a fan of lenders, tried in vain to negotiate reforms acceptable to the industry and its opponents.

A 2009 attempt to limit the frequency of lending — it was spearheaded by several senior House Republicans and a white-shoe law firm with close ties to the GOP — drove out some lenders. To stay open in Virginia, many revamped their business model, operating under a provision of state law that allowed them to charge higher interest rates.

Over the next few years there would be other – unsuccessful – efforts to bring the lenders to heel. The industry’s footprint in Virginia expanded in 2011, when the state sanctioned car title lending under which a borrower risks losing their motor vehicle if a loan is not paid. . At the time, Republicans held the Legislative Assembly and the office of governor.

Finally, in 2020, with Democrats in full control of the state house for the first time in nearly 30 years, Virginia passed sweeping protections under the Fairness in Lending Act. The measure has generated bipartisan support that lobbyists on both sides attribute to legislative fatigue over years of fighting.

At times the debate was theatrical, overshadowing larger and lingering issues: that traditional financial institutions – banks and credit unions – then showed little interest in small loans, viewing them as risky and unprofitable. Additionally, competition among payday lenders for a seemingly captive audience was limited because their high-cost products were similar.

Lenders were blocking public hearings with credit union workers who had been bussed to Richmond, many of them from Hampton Roads, where there were many stores. Rebuking lenders as loan sharks, an enemy of the industry—a moving company executive who tried to pay off an employee’s five-figure debt—sometimes showed up in, you guessed it, a suit of shark.

Although it took effect in 2021, the law capped interest and fees on payday and car title loans and locked in the interest rate on consumer purchases paid over time at 36%. time. The law also created safeguards against online payday lenders based in other states or, like those in the May settlement, operated by sovereign Native American tribes shielded from many laws.

The Pew Charitable Trusts reports that Virginia — where lenders have worked their will through well-placed lobbyists and, since Speer’s arrival two decades ago, with millions of dollars in donations to lawmakers — is the one of four states since 2010 to enact broad protections for payday borrowers while guaranteeing access to credit. The others are Colorado, Ohio and Hawaii.

“In these states, lenders are cost-effectively offering small loans that are repaid in affordable installments and cost four times less than typical one-time payment payday loans that borrowers must repay in full on their next payday,” Pew said. in an April survey of all 32 states. who authorize payday loans.

Among Virginia’s neighbors, Washington, DC, Maryland, North Carolina and West Virginia ban payday loans, according to the Consumer Federation of America, a consumer advocacy and research group. Loans are legal in Kentucky.

The impact of Virginia’s new law on lenders is still unclear, though Pew says it would likely mean fewer payday stores. The State Corporation Commission’s Office of Financial Institutions is expected to produce a first overview of the legislature this month.

A consequence of the reform: possible competition between banks for small borrowers. Personal finance website NerdWallet says low-interest, low-dollar loans are expected to be offered by national companies such as Bank of America, Wells Fargo and Truist. Could this be a magnet for cash-strapped, inflation-worried customers?

It’s all part of a larger overhaul of a facet of consumer finance that in Virginia has long been described as big business exploiting the little man. Heck, they aren’t even called payday loans anymore. By law, these are short-term loans.

Contact Jeff E. Schapiro at (804) 649-6814 or jschapiro@timesdispatch.com. Follow him on Facebook and on Twitter, @RTDSchapiro.

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5 Best Online Payday Loans – Online Payday Loans Same Day Deposit & No Rejection Payday Loans Direct Lenders in 2022 https://warhistory1944.co.uk/5-best-online-payday-loans-online-payday-loans-same-day-deposit-no-rejection-payday-loans-direct-lenders-in-2022/ Fri, 03 Jun 2022 06:26:00 +0000 https://warhistory1944.co.uk/5-best-online-payday-loans-online-payday-loans-same-day-deposit-no-rejection-payday-loans-direct-lenders-in-2022/ Online payday loans are the solution to almost any type of financial lock-up. Whether you need money to redecorate the spare bedroom, buy an expensive birthday present, or pay for an expensive car repair, online payday loans can provide you with the cash you need. Many Americans have experienced the financial flexibility offered by online […]]]>


Online payday loans are the solution to almost any type of financial lock-up. Whether you need money to redecorate the spare bedroom, buy an expensive birthday present, or pay for an expensive car repair, online payday loans can provide you with the cash you need. Many Americans have experienced the financial flexibility offered by online payday loans, and if you’re looking for financial relief, you can too.

Loan search services such as Viva Payday Loans give borrowers quick access to lenders offering the best payday loans online. With so many online payday loan providers, it can be difficult to choose the right one. This article features the top five direct online payday loan seekers on the market, putting you in direct contact with lenders.

Best online payday loans 2022 – a quick overview

What are the best online payday loans? See our top 5 below:

  • Viva Payday Loans – Best payday loans for fast payments
  • Heart Paydays – Best for No Disclaimer Payday Loans, Direct Lenders Only
  • Credit Clock – Best Online Payday Loans With Fast Approval Process
  • Money Lender Squad – Best for $255 payday loans online same day
  • Very Merry Loans – Best online payday loans with same day deposit

Best General Eligibility Criteria for Online Payday Loans

Borrowers must meet the following criteria to obtain payday loans online.

  • Must be 18 years or older
  • Must hold US residency
  • Must earn a minimum of $1,000 per month
  • Must pass accessibility checks
  • Must have a US bank account

If you have bad credit, you can still apply for the best payday loans online through Viva Payday Loans if you meet the criteria above. While none of the loan finder sites do credit checks on your name directly, lenders offering financing might.

Five Best Online Payday Loans: Same Day Deposit for Bad Credit

1. Viva Payday Loans – Best Payday Loans for Fast Payments

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Viva Payday Loans is known for its fast turnaround time, providing access to lenders who offer the best payday loans online in the shortest possible time. To be a successful applicant, you must meet the above loan criteria and pass affordability checks. Once the loan is approved, the funds are disbursed to the borrower within an hour. Interest rates range from 5.99% to 35.99%, depending on the lender.

Advantages

  • Repayment terms from 2 to 24 months
  • Loan values ​​up to $5,000
  • Fast payments within 60 minutes of loan approval

The inconvenients

  • High interest rates up to 35.99%

Click here to request funds from Viva Payday Loans >

2. Heart Paydays – Best for No Disclaimer Payday Loans Only for Direct Lenders

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Borrowers with bad FICO scores or no credit history can apply for the best online payday loans for bad credit through the Heart Paydays portal and still stand a chance of getting the money they need if they are currently in an excellent financial situation. When using this loan finder service, borrowers are tempted to be matched with direct no-disclaimer lenders only who are most likely to view their financial situation favorably. Loan amounts range from $100 to $5,000 with APRs of 5.99% to 35.99% and 2 to 24 months to pay off.

Advantages

  • Simple eligibility requirements
  • Almost instantaneous request feedback in 2 minutes
  • Flexible repayment terms

The inconvenients

3. Credit Clock – Best Online Payday Loans for Fast Approval Process

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When the best online payday loans are needed in a hurry, time seems to fly without giving you a second to catch your breath. This is where Credit Clock comes to the rescue with lenders that offer fast approval processes and even faster payments.

Credit Clock connects borrowers and lenders with the click of a button. Lenders through Credit Clock offer borrowers affordable loan amounts from $100 to $5,000 for 2 to 24 months. Interest rates range from 5.99% to 35.99%, which may seem high but may be worth the convenience, fast loan approvals and quick repayments. Check if you meet the loan criteria above and apply today!

Advantages

  • Fast payments
  • The easy online application process
  • Affordable Loans

The inconvenients

  • Interest rate up to 35.99%

4. Money Lender Squad – Best for $255 Same Day Online Payday Loans

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Money Lender Squad gives borrowers direct access to lenders without the usual hassle of traditional financial institutions. Their loan finder service helps borrowers apply for the best direct online payday loans online with a single application.

The process is simple and requires borrowers to enter their details, choose their loan amount and repayment period, and the best payday loans online appear in minutes. Online payday loans through lenders on the Money Lender Squad portal range from $100 to $5,000 with APRs of 5.99% to 35.99% and 2 to 24 months to pay off!

Advantages

  • The fast online application process
  • Offers $255 payday loans online and same day deposit
  • Loan amounts up to $5,000

The inconvenients

  • Not all requests are guaranteed to be approved

5. Very Merry Loans – Best Online Payday Loans with Same Day Deposit

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If you don’t need a large loan, the best online payday loans are available through the Very Merry Loans portal lenders. Loan amounts are kept small to keep them affordable, and APRs typically range from 5.99% to 35.99%. Additionally, lenders on the Very Merry Loans platform are known to pay on the same day as loan approval, giving borrowers access to seemingly instant cash. If you meet the general loan criteria mentioned above, you can easily apply for some of the best payday loans online through lenders on the Very Merry Loans platform.

Advantages

  • Same day payments
  • Flexible loan terms
  • Quick online application in 2 minutes

The inconvenients

  • Loan amounts capped at $2,000

Best Online Payday Loans Same Day Features and Considerations

Credit checks

Most online payday loans through US-based lenders are subject to credit checking by law. No credit check, instant approval. However, if you have a bad FICO score but your financial situation has improved, you can still apply online for the best payday loans.

Affordability

Affordability is key when applying for the best payday loans online. When processing your application, lenders will do an affordability check, such as comparing your bank account to expenses and pay stubs.

Penalties

Your loan agreement will specify the penalties and fees associated with your loans. Therefore, it is best to familiarize yourself with the terms of the loan agreement to avoid paying early or late repayment fees.

Conclusion

Online payday loans are an excellent form of financing for those who need funds quickly. They give you the flexibility you need between now and your next payday if you find yourself in a difficult financial situation.

FAQs

What are the best and easiest payday loans to get same day?

Online payday loans are fast, simple and convenient. First, borrowers complete a simple online application that connects them to a panel of lenders. From there, lenders assess the borrower’s affordability and, if they can afford the loan, funds are usually disbursed the same day.

What is the highest payday loan to get?

Online payday lenders offer loans between $100 and $5,000. Depending on the lender, APRs can range from 5.99% to 35.99% with the providers mentioned above. However, most lenders offer flexible repayment terms of 2-12 months or 2-24 months.

What are the best online payday loans?

Borrowers asking about the best payday loans online can use a range of loan search platforms such as Viva Payday Loans to find the best loan for them. Loan finder services simultaneously connect the borrower to a wide range of lenders. This means they are more likely to get a loan because multiple lenders have assessed their applications.

Disclaimer – The above content is not editorial, and Economic Times hereby disclaims all warranties, express or implied, in connection therewith, and does not necessarily warrant, guarantee or endorse any content. The loan websites reviewed are loan matching services, not direct lenders. Therefore, they are not directly involved in the acceptance of your loan application. Applying for a loan with the websites does not guarantee acceptance of a loan. This article does not provide financial advice. Please seek the assistance of a financial advisor if you need financial assistance. Loans available only to US residents.

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Schapiro: Started in Virginia with a whine, ended with a bang | Government and politics https://warhistory1944.co.uk/schapiro-started-in-virginia-with-a-whine-ended-with-a-bang-government-and-politics/ Wed, 01 Jun 2022 21:04:00 +0000 https://warhistory1944.co.uk/schapiro-started-in-virginia-with-a-whine-ended-with-a-bang-government-and-politics/ BY JEFF E. SCHAPIRO Richmond Times-Dispatch Jay Speer has been lobbying the Virginia legislature for as long as he’s been a parent: 22 years. And for almost all, while he and his wife raised two children, both now out of college, Speer battled the high-cost instant loan industry, arguing that payday lenders and securities cars […]]]>

BY JEFF E. SCHAPIRO Richmond Times-Dispatch

Jay Speer has been lobbying the Virginia legislature for as long as he’s been a parent: 22 years.

And for almost all, while he and his wife raised two children, both now out of college, Speer battled the high-cost instant loan industry, arguing that payday lenders and securities cars mainly exploit the poor. with debts they find it difficult to repay – if at all.

For Speer, executive director of the Virginia Poverty Law Center, the industry is now a much smaller target, having been held back by rules imposed by Democrats in 2020, when their party commanded every corner of state government. Even Republicans long friends of the lenders supported the reforms.

Speer’s fight with loanees may have died down, but it’s by no means over. A little-noticed mid-May settlement of a federal lawsuit filed more than three years ago by Speer’s organization and two law firms, Kelly Guzzo of Fairfax and Consumer Litigation Associates of Newport News, says as much. .

People also read…

Under the settlement, 550,000 borrowers here and in other states won’t have to pay $489 million in illegal internet-based payday loans for which they were charged 600% interest. Most borrowers will split $450 million in cash repayments. An additional $39 million is for those who paid illegal amounts to lenders.

Despite their checkered track record, Virginia was opened up to payday lenders — they’re so called because they provide a cash advance against a borrower’s salary — during a pro-Democrat’s 2002-06 gubernatorial term. company, Mark Warner, now a US senator who has since cooled off on the industry.

Warner signed the legislation sent to him by a Republican-controlled General Assembly even as his top aides pressed him to reject it. One of them threatened to resign in protest. Warner’s successor, fellow Democrat Tim Kaine, not a big fan of lenders, tried unsuccessfully to negotiate reforms acceptable to the industry and its opponents.

A 2009 attempt to limit the frequency of lending — it was spearheaded by several senior House Republicans and a white-shoe law firm with close ties to the GOP — drove out some lenders. To stay open in Virginia, many revamped their business model, operating under a provision of state law that allowed them to charge higher interest rates.

Over the next few years there would be other – unsuccessful – efforts to bring the lenders to heel. The industry’s footprint in Virginia expanded in 2011, when the state sanctioned car title lending under which a borrower risks losing their motor vehicle if a loan is not paid. . At the time, Republicans held the legislature and the governor’s office.

Finally, in 2020, with Democrats in full control of the state house for the first time in nearly 30 years, Virginia passed sweeping protections under the Fairness in Lending Act. The measure has generated bipartisan support that lobbyists on both sides attribute to legislative fatigue over years of fighting.

At times the debate was theatrical, overshadowing larger and lingering issues: that traditional financial institutions – banks and credit unions – then showed little interest in small loans, viewing them as risky and unprofitable. Additionally, competition among payday lenders for a seemingly captive audience was limited because their high-cost products were similar.

Lenders were blocking public hearings with credit union workers who had been bussed to Richmond, many of them from Hampton Roads, where there were many stores. Rebuking lenders as loan sharks, an enemy of the industry—a moving company executive who tried to pay off an employee’s five-figure debt—sometimes showed up in, you guessed it, a suit of shark.

Although it took effect in 2021, the law capped interest and fees on payday and car title loans and locked in the interest rate on consumer purchases paid over time at 36%. time. The law also created safeguards against online payday lenders based in other states or, like those in the May settlement, operated by sovereign Native American tribes shielded from many laws.

The Pew Charitable Trusts reports that Virginia — where lenders have worked their will through well-placed lobbyists and, since Speer’s arrival two decades ago, with millions of dollars in donations to lawmakers — is the one of four states since 2010 to adopt broad protections for payday borrowers while guaranteeing access to credit. The others are Colorado, Ohio and Hawaii.

“In these states, lenders are cost-effectively offering small loans that are repaid in affordable installments and cost four times less than typical single-payment payday loans that borrowers must repay in full on the day of their next payday,” said Pew in an April survey of all 32 states. who authorize payday loans.

Among Virginia’s neighbors, Washington DC, Maryland, North Carolina and West Virginia ban payday loans, according to the Consumer Federation of America, a consumer advocacy and research group. Loans are legal in Kentucky.

The impact of Virginia’s new law on lenders is still unclear, though Pew says it would likely mean fewer payday stores. The State Corporation Commission’s Office of Financial Institutions is expected to produce a first overview of the legislature this month.

A consequence of the reform: possible competition between banks for small borrowers. Personal finance website NerdWallet says low-interest, low-dollar loans are expected to be offered by national companies such as Bank of America, Wells Fargo and Truist. Could this be a magnet for cash-strapped, inflation-worried customers?

It’s all part of a larger overhaul of a facet of consumer finance that in Virginia has long been described as big business exploiting the little man. Heck, they aren’t even called payday loans anymore. By law, these are short-term loans.

Contact Jeff E. Schapiro at (804) 649-6814 or jschapiro@timesdispatch.com. Follow him on Facebook and on Twitter, @RTDSchapiro. Listen to his analysis at 7:45 a.m. and 5:45 p.m. Friday on Radio IQ, 89.7 FM in Richmond and 89.1 FM in Roanoke, and in Norfolk on WHRV, 89.5 FM.

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New laws and more affordable lenders could shake up the payday loan market https://warhistory1944.co.uk/new-laws-and-more-affordable-lenders-could-shake-up-the-payday-loan-market/ Tue, 31 May 2022 09:01:00 +0000 https://warhistory1944.co.uk/new-laws-and-more-affordable-lenders-could-shake-up-the-payday-loan-market/ Inflation has particularly affected people who are already struggling to get gas in their tanks and groceries in their refrigerators. For many, a payday loan may seem like the only way to get the money needed. In recent years, however, as more states impose restrictions on risky short-term lending, new lenders have emerged offering small, […]]]>

Inflation has particularly affected people who are already struggling to get gas in their tanks and groceries in their refrigerators. For many, a payday loan may seem like the only way to get the money needed.

In recent years, however, as more states impose restrictions on risky short-term lending, new lenders have emerged offering small, lower-cost loans, making it easier than ever before to find a loan. an affordable loan that won’t drag you into unmanageable debt. .

In some states, new laws mean better loans

There is currently no federal law for maximum interest rates on small dollar loans; instead, states decide whether to cap payday loan rates. Therefore, the cost to borrow a few hundred dollars often depends on where you live.

In recent years, four states — Colorado, Hawaii, Ohio and Virginia — have passed laws that effectively reduce the cost of small loans and give borrowers longer repayment terms. A study by The Pew Charitable Trusts published in April found that even under the reforms, payday lenders were still operating, but with more secure loans.

Also Read: More US Subprime Borrowers Are Missing Their Loans

Although some new lenders began doing business in these states once the laws took effect, the main impact was that existing payday lenders consolidated their storefronts and made their loans more affordable, says Alex Horowitz, director of research at Pew.

National banks and local credit unions step in

A bank or credit union may not have been your go-to for a small loan in the past, but it could be today.

Seven major banks have started offering or announced plans to offer small-dollar borrowing options with low annual percentage rates in recent years, Horowitz says, including Bank of America BAC,
-2.60%,
Wells Fargo WFC,
-2.76%
and Truist TFC,
-2.71%.
These loans are available to existing bank customers nationwide, regardless of state interest rate limits.

Banks primarily rely on customers’ bank history rather than their credit scores to determine if they qualify for a small loan. The loans – which start from $100 – are usually repaid in monthly installments at annual interest rates no higher than 36%, the maximum rate an affordable loan can have, according to consumer advocates.

“The fact that banks start offering small loans could disrupt the whole payday loan market,” says Horowitz.

Local credit unions have membership requirements and maintain lower profiles than payday lenders, so they’re often overlooked by people who need cash fast, says Paul Dionne, director of research at Filene, a think tank that focuses on helping credit unions serve their communities.

But if you can walk to your local credit union, chances are you’ll qualify for membership, he says.

This is because credit unions often serve people who live or work in their communities. These organizations strive to provide financial inclusion by tailoring their products, such as loans, to better meet the needs of their customers, Dionne says.

“Credit unions are getting better at having the best product and not saying no and figuring out what’s the best fit for that person coming in,” he says.

Lily: CFPB closes payday lender it calls venture capital ‘darling’

Other Borrowing Options

Even in states where laws seek to ban payday loans altogether, people can find alternatives to risky borrowingsays Charla Rios, researcher on small-value loans and debt at the Center for Responsible Lending.

You may be able to work out a payment plan with your utility company or borrow from a friend or family member, she says. Here are some borrowing options to consider before getting a payday loan.

Payday advance. Some companies, including Walmart WMT,
-2.55%
and Amazon AMZN,
+1.09%,
allow their employees to access a portion of their paycheck earlier as benefits. It can be an interest-free way to borrow money if your employer offers it, but since the repayment comes from your next paycheck, it’s best to use it sparingly.

Cash advance applications. Apps like Earnin and Dave let you borrow a small amount of money, usually $25 to $200, before payday. They sometimes charge a fee for instant access to your money or ask for voluntary tips. They also take reimbursement from your next paycheck.

“Buy now, pay later.” For necessary expenses, a “buy now, pay later” loan allows you to purchase an item with partial payment only. You pay the balance in equal installments, usually over the next six weeks. This type of financing can be interest-free if you pay the full balance on time.

Low interest installment loans. Depending on your credit score and income, you may qualify for an installment loan with an APR below 36%. These loans have amounts ranging from $1,000 to $100,000 and are repaid over longer terms, usually two to seven years. Online lenders who often offer loans for bad credit prequalify you for a loan using a soft credit pull, which allows you to compare loans without affecting your credit score.

More from NerdWallet

Annie Millerbernd writes for NerdWallet. Email: amillerbernd@nerdwallet.com.

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Instant Personal Loans vs Other Personal Loan Options https://warhistory1944.co.uk/instant-personal-loans-vs-other-personal-loan-options/ Wed, 25 May 2022 09:46:00 +0000 https://warhistory1944.co.uk/instant-personal-loans-vs-other-personal-loan-options/ Trying to decide which personal loan option is best for you? Should you get a credit card or take out an instant personal loan? Personal Loan Apps are here to help you learn more about your personal borrowing options! Representative picture H1: Instant personal loans vs. other […]]]>

Trying to decide which personal loan option is best for you? Should you get a credit card or take out an instant personal loan? Personal Loan Apps are here to help you learn more about your personal borrowing options!


Representative picture






H1: Instant personal loans vs. other personal borrowing options

How do credit cards work? Are instant personal loans different from personal lines of credit? what is a online loan application? These are all valid questions about personal borrowing. It’s good to be aware of your options so that when you need to take out a loan, you know which products and services best suit your needs.

Personal borrowing is an ever-changing landscape and we’re here to help you navigate it. Here’s our ultimate cheat sheet on all your personal borrowing options with everything you need to know about mortgages, payday loans, secured personal loans, and more!

H2: Instant Personal Loans

In today’s advanced digital age, financial services are becoming increasingly accessible and cutting-edge. Instant Personal Loans are one such product of the digital renaissance in the lending industry. While the traditional loan application and approval process took days to weeks, instant personal loans only take a day or two.

The fast disbursement makes it ideal for anyone in need of urgent funding. Moreover, the simple and straightforward procedure of instant personal loans along with the absence of any collateral make them a top choice for those looking for small loans.

Instant personal loans are granted by banks, non-bank financial companies and personal loan applications. As an online lending app, we provide easy access to loans for anyone with a smartphone.

H2: Credit cards

Credit cards are a popular and ubiquitous form of personal borrowing. There are a wide variety of credit cards available in the market and each of them has its own conditions and features. However, the general system remains the same. A credit card has a preset limit on the amount you can borrow. You are charged for anything you buy using the card and you must repay the balance in full each month.

If you have an outstanding balance, you will have to pay interest on it. The interest rate differs depending on the credit card company. Different lenders also have different rules for going over your credit card limit.

Compared to instant personal loans, credit cards have a short repayment period. So, if you need more time to repay the loan, applying for a personal loan online or through an app is a better option. Additionally, credit cards may have annual maintenance fees, unlike instant personal loans.

H2: Traditional loans

Traditional loans allow you to borrow a fixed amount for a fixed term with a predetermined repayment schedule. Often borrowed money must be used for a specific reason. It can look like a home loan, car loan or mortgage. These loans tend to be secured loans and require you to put up an asset as collateral.

On the contrary, instant personal loans are unsecured loans and the money can be used at your discretion.

H2: Personal line of credit

A personal line of credit is a revolving, flexible credit account that lets you borrow money up to a limit, without having to borrow the full amount all at once. You only pay interest on the amount borrowed. These often have maintenance fees and are more expensive than traditional secured loans.

These options often have variable interest rates. While most instant personal loans, including those granted through a personal loan app, have a fixed interest rate. This makes it easier to calculate future expenses that you will incur due to the loan.

H2: Payday Loans

Payday loans are short term unsecured loans. They can be taken for a few days and reimbursement is expected once you receive your salary for that month. However, they often have high interest rates and hidden fees. Thus, we recommend safer borrowing options such as traditional loans and instant personal loans.

If you are considering taking out a loan, especially in a financial emergency, or have a below average credit history, Instant Personal Loans Online offers you a fast application process, holistic approval standards and rapid disbursement of funds.









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Online Payday Loans: Market by 2028 | Business Strategy Analysis, Trader and Key Players https://warhistory1944.co.uk/online-payday-loans-market-by-2028-business-strategy-analysis-trader-and-key-players/ Mon, 23 May 2022 15:17:00 +0000 https://warhistory1944.co.uk/online-payday-loans-market-by-2028-business-strategy-analysis-trader-and-key-players/ Online Payday Loans Market 2022 This research report offers Impact of recent market disruptions such as the Russian-Ukrainian war and the COVID-19 outbreak study accumulated to offer the latest information about the acute characteristics of the Online Payday Loans Market. This intelligence report includes investigations based on Current scenarios, historical records and future predictions. The […]]]>

Online Payday Loans Market 2022 This research report offers Impact of recent market disruptions such as the Russian-Ukrainian war and the COVID-19 outbreak study accumulated to offer the latest information about the acute characteristics of the Online Payday Loans Market. This intelligence report includes investigations based on Current scenarios, historical records and future predictions. The report contains different market forecasts related to the market size, revenue, production, CAGR, consumption, gross margin, charts, graphs, pie charts, price, and other important factors. While emphasizing the major driving and restraining forces of this market, the report also offers a comprehensive study of the future market trends and developments. It also examines the role of major market players involved in the industry including their company overview, financial summary and SWOT analysis. He presents the 360 degrees overview of the industries competitive landscape. The online payday loan market is stable growth and CAGR is expected to improve over the forecast period.
Key players included in the Online Payday Loans research report include-

Payday advance
MEM Consumer Financing
wonga
Instant Cash Loans
Cash America International
DFC Global Corp
Network 2345

The sample pages are a PDF document covering the detailed table of contents as well as the outline of charts, graphs, figures and tables to give you an idea of ​​the final report. Please note that sample pages may not contain actual numbers.

In view of the ongoing pandemic, our analysts have carefully reviewed and presented the metrics below under the Detailed analysis of the impact of Covid – 19 in the Online Payday Loans research report:

Analysis of the overall impact of Covid – 19 on the world which will include quantitative data in which we will include the estimated deviation in market size (negative or positive) due to the pandemic.

  • End-user trend, preferences and budget impact

Qualitative data on end-user segment trends due to enforced policies and security guidelines are analyzed in the Online Payday Loans research report. Additionally, a detailed understanding of end-of-consumption preferences as to what type/technology the end-user adopts is also explored in the report. The additional funding provided by the legal authorities also included providing information on a particular vertical industry to boost economic development.

  • Regulatory Framework/Government Policies

Detailed qualitative analyzes on government policies and security guidelines followed by each country are studied to understand the views and opinions of the different authorities used to regulate the impact caused by Covid-19.

  • Strategy of key actors to fight against negative impacts

The overall business strategies adopted by key companies in Covid – 19 situations are analyzed and documented in our research studies. The information is presented in qualitative or quantitative form in the Online Payday Loans research report.

The opportunities that Covid – 19 Presents to Online Payday Loan Stakeholders and industry professionals are mentioned to give a detailed understanding of the next best possible cost-effective solutions.

The years studied to estimate the market size of Online Payday Loans are as follows:

Historical year: 2015-2019
Reference year: 2020
Estimated year: 2021
Forecast year: 2022-2026

The Online Payday Loans research report also encompasses terms that impact the industry. It also includes growth drivers and challenges faced by the online payday loans industry. The research report includes detailed segmentation analysis along with several sub-segments.

Online Personal Loans Segmentation –

On the basis of types, the online payday loans market from 2015 to 2025 is majorly split into:
Payment
single phase

based on records, the Online Personal Loan market from 2015 to 2025 covers:
Staff
Big business
SME

Regional Online Payday Loans Market Analysis:

It could be divided into two different sections: one for regional production analysis and the other for regional consumption analysis. Here, analysts share gross margin, price, revenue, production, CAGR, and other factors that indicate growth for all regional markets studied in the report. covering

Region Countries
North America United States and Canada
Europe UK, Germany, France, Italy, Spain, Hungary, BENELUX, NORDIC, Rest of Europe
Asia Pacific China, India, Japan, South Korea

Australia, New Zealand, Rest of Asia-Pacific

Latin America Brazil, Mexico, Argentina, Rest of Latin America
Middle East and Africa Israel, GCC, South Africa, Rest of Middle East and Africa
  • Increase in per capita disposable income
  • Youth friendly Demographics
  • Technological advancement

20% free personalization – If you would like us to cover the analysis of a particular geography or segmentation that is not part of the scope, please let us know here so that we can customize the report for you.

Main points covered in the table of contents:

  • Insight: Along with a broad overview of the global Online Payday Loans market, this section provides an overview of the report to give an idea of ​​the nature and content of the research study.
  • Analysis of the strategies of the main players: Market players can use this analysis to gain a competitive advantage over their rivals in the online payday loans market.
  • Study on the main market trends: This section of the report offers a deeper analysis of recent and future market trends.
  • Market Forecast: Buyers of the report will have access to accurate and validated estimates of the total market size in terms of value and volume. The report also provides consumption, production, sales and other forecasts for the Online Payday Loans market.
  • Regional Growth Analysis: All major regions and countries have been covered Online Payday Loans Market report. The regional analysis will help market players to tap into unexplored regional markets, prepare specific strategies for target regions, and compare the growth of all regional markets.
  • Sector analysis: The report provides accurate and reliable forecasts of the market share of important segments of the online payday loans market. Market players can use this analysis to make strategic investments in key growth pockets of the Online Payday Loans Market.

Key questions answered by the report –

  • Who are the Global Online Payday Loans Industry Players and What is their Market Share, Net Worth, Sales, Competitive Landscape, SWOT Analysis and Post Covid-19 Strategies?
  • What are the main drivers, growth/decline factors and pain points of online payday loans?
  • How is the online payday loan industry expected to emerge during the pandemic and during the forecast period of 2022 to 2026?
  • What are the offering models in the different regions mentioned in the Online Payday Loans Research Report?
  • Has there been any change in the regulatory policy framework after the Covid-19 situations?
  • What are the major application areas and product types that are going to expect an increase in demand during the forecast period 2022 – 2026?

(*If you have special requirements, please let us know and we will offer you the report you want.)

Note – In order to provide more accurate market forecasts, all our reports will be updated prior to delivery considering the impact of COVID-19.

Contact us:
The Web: www.qurateresearch.com
E-mail: [email protected]
Phone: USA – +13393375221, IN – +919881074592

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