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Indianapolis Population Falls, Concerns Rise – Indianapolis Business Journal

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Two decades of steady growth came to an end in Indianapolis last year when the city experienced a shrinking population, raising some concerns about its economic future.

The drop of 5,600 residents between July 2020 and July 2021 occurred during the pandemic, when the deaths of more than 1,200 people in Marion County were blamed on the coronavirus during the same period. During this time, the practice of remote work took hold, which may have influenced departures from the city.

Bill Osterle

Observers have differing views on the reversal of a growth trend that saw Indianapolis’ population jump from 782,000 in 2010 to 887,600 in 2020. The 2021 population figure is 882,000 .

Bill Oesterle, founder of two worker recruitment companies, TMap and MakeMyMove, said the scale of the population decline was concerning.

“In cities across the United States, we’re seeing the pandemic hit the urban core,” Oesterle said. “Indianapolis has not been isolated from this, and that’s troubling.”

Michael Hicks, director of the Center for Business and Economic Research at Ball State University, views population growth as the strongest single sign of regional economic health.

Michael Hicks

When reviewing the 2021 data, Hicks said the first post-COVID population adjustments are underway. Citing the rise of remote work as an important development, Hicks said population patterns could emerge over decades.

“It’s entirely possible that we’re in for a long period where traditional patterns of household relocation will continue to be tested,” Hicks said. “We’re going to see a different pattern emerge, so there are more people living in places they want to live and not caring about the job options available to them.”

Matthew Kinghorn, senior demographer at the Indiana Business Research Center at Indiana University Kelley School of Business, analyzed US Census Bureau data on counties and cities this spring.

Matt Kinghorn

Kinghorn said an estimated net emigration of more than 9,200 people from Marion County was the “main driver” of population decline in Indianapolis.

He is not ready to declare that remote work is an important factor.

“It’s far too early for me to be able to say whether or not people have been able to take advantage of remote work situations to move to less populated areas,” Kinghorn said.

Portia Bailey-Bernard, vice president of economic development at Indy Chamber and mayor’s appointee for economic development, said the city’s declining population isn’t too alarming. Bailey-Bernard notes, for example, that the occupancy rate for multi-family buildings in downtown Indianapolis is 93%.

“We know cities across the country have seen a decrease during the pandemic,” Bailey-Bernard said. “Indianapolis has not been unique in this population loss, and I don’t anticipate a decrease in the years to come.”

Portia Bailey Bernard

Popular suburbs

Westfield tops the list of fastest growing cities in Indiana with a 7.7% population increase from 2020 to 2021. The Hamilton County community has become one of seven cities in the states United States to top 50,000 in 2021. Jeffersonville, an Indiana suburb of Louisville, Kentucky, has also joined the 50,000 club.

Four communities in the Indianapolis metro area followed Westfield on the state’s fastest-growing list: Whitestown, with a 7.4% increase; McCordsville, 7%; Avon, 5.7%; and Bargersville, 5.4%. A trio of Lake County communities in the Chicago metro area landed in Indiana’s Top 10 fastest growing cities: St. John, up 4.9%; Cedar Lake, 3.9%; and Winfield, 3.7%.

“It’s been the story for a while in Indiana, but a handful of metro areas are fueling the state’s entire growth,” Kinghorn said.

Fishers and Carmel each passed the 100,000 population mark for the first time in 2021.

Supported by these suburbs, the Indianapolis metro area has fared well relative to the population growth of other Midwestern cities.

Between 2010 and 2020, the Indianapolis metro area grew 9.97%, a rate that trailed only Louisville (12.87%), Columbus, Ohio (10.2%) and Minneapolis (10. 05%).

In 2021, the Indianapolis metro area grew 0.6%, surpassing Columbus (0.5%), Cincinnati (0.1%), Louisville (0.0%), Detroit (a decline of 0.5 %), Cleveland (a decrease of 0.5%) and Chicago. (a decrease of 1%).

Efforts are underway to bolster the population of the Indy area.

In December, the White River Regional Opportunity Initiative — which includes Marion, Hamilton, and Madison counties as well as the communities of Zionsville and McCordsville — was selected as a recipient of a $20 million Accelerator Initiative grant. and regional economic development focused on the White River.

“We have this amazing natural convenience,” said Bailey-Bernard, an Indy Chamber executive. “We could have a real opportunity to do something with this riverside.”

Some commerce officials see developments such as the Bottlewoks District as key to attracting new residents to Indianapolis. (IBJ Photo/Eric Learned).

Choose your place

Ball State faculty member Hicks said work-from-home policies give people a wider range of options for choosing where to live.

“Instead of moving to a bigger house in the suburbs when you have kids, people potentially move before they have a family,” Hicks said. “And they may be looking for different things. They may be looking for really affordable housing or a hobby farm somewhere. If you only have to be at work in Indianapolis one day a week, then you could live in Muncie or Portland or South Bend or Marion or Terre Haute.

In downtown Indianapolis, Hicks predicts unused offices will be turned into apartments.

“I think companies might say, ‘Maybe what I’ll do is turn half of these office spaces into short-term apartments,'” Hicks said. “When I hire someone, I give them six free months in my apartment to research Indianapolis and figure out where they want to be. That kind of innovation is coming. This will be what many high-end workers will be looking for.

Oesterle, who co-founded Angie’s List, said the era of remote work poses challenges for downtown businesses.

“There are knowledge workers who don’t need to be on site, and they realize they can avoid a drive and parking lot and all that,” Oesterle said. “Downtown is going to have to work hard to improve its appeal to people.”

Bailey-Bernard said the future can be seen in the 16 Tech and Bottleworks developments that combine workplaces with quality-of-life amenities. Next comes the transformation of the historic Stutz Motor Car Co. industrial complex and the Elevator Hill campus that once housed the headquarters of Angie’s List.

“We are seeing a shift from our traditional downtown towers to more neighborhood-like office space,” Bailey-Bernard said. “Places that have all the conveniences: going to the office, going to work out, having a beer after work, going to the movies, going to a restaurant.”

Launch Indiana

Overall, Indiana added 20,300 residents in 2021 to reach a total population of nearly 6.81 million. Indiana Business Research Center demographer Kinghorn said 20,300 represents the state’s smallest increase since 2015 and falls short of Indiana’s average annual gain of 30,000 in the previous decade. .

Oesterle summarizes the situation by saying, “The state is not growing fast enough.

Raising birth rates and expanding refugee resettlements are two ways to increase the population, Oesterle said.

In terms of attracting workers, Oesterle said anyone in Indiana can present the state as a place to live.

The Indiana Destination Development Corp. recently unveiled its “IN Indiana” campaign which provides free marketing resources to any business, small town, city and destination. The idea, according to Visit Indiana, is to create a unified message to attract new residents and tourists.

“Communities are going to have to develop the capacity to market themselves,” Oesterle said. “They haven’t had to in the past, and now they have to.”•

N187 billion earmarked for 2023 census insufficient -NPC – The Sun Nigeria

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National The Population Commission (NPC) has the N187 billion earmarked for the 2023 Population and Housing Census scheduled for April 2023 which is insufficient for the exercise.

Its Acting Director General, National Population Commission (NPC), Mrs. Ugoeze Mbagou, during a panel discussion organized by the National Institute for Legislative and Democratic Studies (NILDS), yesterday in Abuja on the theme: “ The 2023 Population and Housing Census: Issues, Challenges and Way Forward’ said the census is going to be a digital exercise, therefore, the amount required is far in excess of N187 billion.

“What we need is much more than that (187 billion naira). That’s why we might need an additional budget. What held up the census this year was getting government approval for us to do it. The president, graciously with the council of state, declared that we could do a population and housing census. We asked for about 187 billion, which is not enough, but with the green light from the federal government, we are asking for an additional budget.

“And since there is an endorsement from them and they appreciate the importance of a census, I don’t think funding will be an issue with the help of the United Nations Population Fund (UNPF) and other donor agencies. We rely 50% on us and 50% on our development partners,” she said.

The acting DG further said that the commission would begin a trial census on Monday, June 27.

“The trial census is based on geopolitical zones; six states in the federation will have 100% complete census coverage while the rest of the states will have a local government area.

She said the commission succeeded in demarcating 772 local government areas out of the 774 in the country.

“We have not delineated two LGAs in Borno and Zamfara due to the security challenge,” Mbagou said.

MP for Chester hails new affordable housing development

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TWENTY-TWO new affordable family homes in Upton Dene, Chester, were hailed by Chester City MP Chris Matheson during a tour of the properties.

The Labor MP visited the Upton Dene site on Liverpool Road to celebrate the completion of Weaver Vale Housing Trust’s first homes in the city.

The Trust has taken possession of 11 affordable apartments and family homes and 11 three-bedroom homes for sale as condominiums on the site. The 22 affordable homes are part of a larger Morris Homes development consisting of 74 new homes being built during this phase.

The homes are part of the trusts commitment to provide 800 new affordable homes by 2026 in Cheshire and Warrington.

The condominiums’ starting price of £209,000 for a three-bed terrace compares to properties in Upton averaging £307,969 overall over the past year.

Shares between 25% and 75% will be available, so much lower deposits will be required compared to standard auction houses.

Jo Fallon, Deputy Director of Development at Weaver Vale, said: “Chester is a beautiful and desirable place to live. The earlier than expected addition of these new homes will be welcome as they crucially increase the number of affordable homes in the area.

Weaver Vale has partnered with developer Morris Homes on the project. Upton Dene is now the fourth collaboration between the two Cheshire-based organisations.

The homes available for sale will be managed by Prospa Homes, the condominium arm of Weaver Vale Housing Trust.

Chester City MP Chris Matheson said: “It was a pleasure to visit Upton Dene and see the huge progress that has been made. As we face a national housing crisis, truly affordable housing have never been more important, and I commend the work that has been done to deliver these properties to Chester.

“There is a real sense of community in Upton Dene, and I know it will be a positive addition to the town. Many thanks to Weaver Vale for taking the time to show me around.”

Commission votes to reduce cougar populations in northwest Montana | 406 Politics

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The Montana Fish and Wildlife Commission on Wednesday passed quotas for cougar hunting over the coming season, including an effort to cut populations by 12.5% ​​on a swath of northwestern Montana.

Earlier this year, the commission passed significant changes to the mountain lion regulations. Hunters can apply for either a limited permit for an area that allows hunting for the entire season, or an unlimited regional permit that will be hunted on a quota.

Previously, seasons varied by region, with Northwest Montana Region 1 being managed by special permit; Mid-West Region 2 managed by a special permit hybrid followed by a hunting quota for all lions not killed by permit hunters; and the rest of the state under a quota system.

With the commission adopting new seasonal structures in place, this left Montana Fish, Wildlife & Parks with the job of coming up with quotas.

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“Our overall intention in our approach in recommending quotas this year is largely to try to retain the harvest that we have had in recent history,” Brian Wakeling, head of the game management office, told the commission. of FWP.

The exception, Wakeling said, is in northwestern Montana. As part of a new management plan, the ministry convened its first working group in March to make recommendations on management targets and quotas. In future years, task forces will be formed to make similar recommendations in other parts of the state.

The group focused on the ecosystem of northwestern Montana, covering Region 1 and part of Region 2, with an estimated lion population of around 1,400 – a number the group’s report acknowledges includes a some uncertainty and notes that populations are variable across the region. FWP estimates populations using modeling by combining harvest from hunters, information from previous studies, and capture-recapture programs to estimate lion density. Density is then compared to habitat quality.

The fundamental goals of the report call for management that minimizes “excessive” ungulate predation, helps recruit struggling ungulate populations, maintains healthy lion populations, and satisfies hunters and non-hunters alike. The group’s recommendation calls for a 12.5% ​​decrease in lion populations with a focus on certain identified focal areas for “struggling ungulates or reducing urban conflict with lions”.

“Based on our modeling efforts and the population estimation procedures we use, we have made recommendations to try to achieve this goal,” Wakeling said. “So it’s not a 12 to 13% increase in the quota; what he’s trying to do is increase the quota, increase the harvest, so that he’ll achieve that within the 5-6 year lifespan (of the plan).

For all Regions 1 and 2, FWP sets its harvest target at around 350 cougars. Wakeling pointed out that many areas typically do not meet quotas due to remote hinterland or other factors limiting access. The recent average harvest for the regions combined is around 250 cats.

Mac Minard of the Montana Outfitters and Guides Association testified in favor of the measure as the final piece after the season’s structure changes.

Opponents expressed concerns about how the FWP tracks mountain lion mortality and pointed to the importance of large carnivores in the ecosystem. KC York, with Trap Free Montana, said cougars killed by incidental trapping should be counted in quotas. Animals can only be legally captured by hunting.

The committee adopted the quotas unanimously.






Tom Kuglin is deputy editor of the Lee Newspapers State Bureau. Its coverage focuses on the outdoors, recreation and natural resources.

“A Credible List”: Recommendations for the Secretary-General’s 2022 Annual Report on Children and Armed Conflict – World

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Attachments

Introduction

Twenty-five years ago, the international community launched an urgent appeal to protect children affected by armed conflict. Horrified by the findings of Graça Machel’s landmark study on the impacts of war on children, the United Nations General Assembly established the Mandate on Children and Armed Conflict (CAAC) in December 1996.

Since then, the CAAC program has grown to become one of the largest, most dynamic and widely supported multilateral initiatives within the UN system. It provides international policy makers with a unique set of tools to promote the protection of children in times of war and to combat serious violations of their rights.

Among these tools is the annual report of the Secretary-General on the situation of children affected by armed conflict (“annual report”), which has been presented to the Security Council every year since 2000. The main objective of this report is to draw conclusions draw the attention of UN Member States to the grave violations committed against children and their perpetrators. With its resolution 1379 (2001) and subsequent resolutions on children and armed conflict, the Security Council instructed the Secretary-General to include in his annual reports a list of parties to armed conflicts who commit the following grave violations against children: children: recruitment and use; kill and maim; rape and other forms of sexual violence; attacks on schools and hospitals; and kidnappings. The Council further strengthened this system in 2005, when it established a single global monitoring and reporting mechanism (MRM) to rigorously collect and verify information on grave violations against children in armed conflict. .

The registration mechanism, which draws its evidence base from the MRM, has been another important tool for the protection of children in armed conflict. It is a key first step towards accountability by clearly identifying warring parties responsible for grave violations against children in armed conflict. The mechanism also serves as the basis for the UN to engage with warring parties, secure concrete commitments to end and prevent violations through UN action plans, and create tangible and positive change for war-affected children.

Despite significant progress, children continue to suffer the devastating effects of armed conflict. In 2020, the UN documented nearly 24,000 grave violations against children. More children live in conflict zones than at any time in the previous two decades. The rapid expansion of the global counter-terrorism agenda threatens to dismantle established laws and norms for the protection of children’s rights, and the COVID-19 pandemic has further exacerbated children’s vulnerability to grave violations and other abuses. Some governments have taken steps to avoid accountability for committing grave violations against children; this includes exerting political pressure to avoid being quoted in the Secretary-General’s annual report on children and armed conflict.

In recent years, civil society organizations and UN member states have raised concerns about the process of determining who is included in the report’s annexes. They noted that any politicization of listing decisions threatens to undermine the credibility of the report and weaken its strength as a tool for promoting accountability and respect for applicable international law. Of particular concern are the inconsistencies found between the data on violations included in the narrative of the annual report and the parties listed in its annexes, the notable non-listing of certain parties, the listing of parties for only certain violations described and the de-listing. . parties that have not yet fully met the criteria specified in 2010. In March 2021, a panel of internationally respected child rights experts echoed these concerns after undertaking an independent review of listing decisions and removal of the Secretary General between 2010 and 2020.

Since 2017, Watchlist on Children and Armed Conflict (“Watchlist”) has published an annual guidance note with recommendations to the Secretary-General on parties to conflict who have committed grave violations against children and who should be included in the annexes of the next annual report. . The annual Watchlist Policy Brief also makes recommendations on which parties should be further investigated and which national situations should be included as “other situations of concern” in the Secretary-General’s annual report.

With this sixth edition of its annual policy brief, Watchlist reiterates its call on Secretary-General António Guterres to publish a comprehensive, evidence-based list of perpetrators that accurately reflects data collected and verified by the MRM, applying the criteria of 2010 for listing and delisting without discrimination and in a consistent manner in all national situations. Watchlist also calls on Secretary-General António Guterres to draw the attention of the Security Council to other situations of concern for children affected by armed conflict, by including them in his annual report.

In the context of the 25th anniversary of the CAAC’s mandate, Watchlist further urges all stakeholders to redouble their efforts to create a better future for all children, especially those affected by war. Specifically, Watchlist calls on the UN, its member states and civil society to build on progress made to protect children in armed conflict by upholding and enforcing existing protection frameworks, strengthening prevention efforts conflict and promoting accountability for and to children.

20,000 foreign nationals in Japan have only completed primary school, census says

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According to the results of the latest national census, about 20,000 foreign nationals living in Japan have not completed lower secondary school and have only completed primary school, prompting the government to call on municipalities to strengthen measures to promote evening school.

According to the census released at the end of May, a total of 804,293 people in Japan aged 15 and over had only graduated from primary school or had dropped out of lower secondary school as of October 2020. Of these, 19,731 – or 2.5% – are foreign nationals.

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UN Goose Management Task Force meets in Helsinki to discuss population trends and joint action

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The annual meeting of the European International Working Group on the Management of Geese under the Agreement on the Conservation of African-Eurasian Migratory Waterbirds AEWA will be held in Helsinki from 21 to 23 June 2022. AEWA and its groups Individual Species Working Group (ISWG) are important for Finland in terms of the protection and sustainable use of migratory waterbirds and coastal birds in Finland.

The meeting will review the most recent data on goose population trends and decide on possible further action regarding populations under the mandate of the European Goose Management Platform.

With regard to barnacle geese, the subjects that will be discussed include the impacts of their shooting under derogation on the development of different populations. For bean goose, greylag goose and pink-legged goose, member countries where they are hunted will agree on future hunting quotas. In Finland, the bean goose and greylag goose are considered game bird species. The majority of bean geese breeding in Finland belong to the taiga bean goose subspecies, for which an international management plan has been introduced. In October-November, large numbers of tundra geese also migrate through southeastern Finland. Topics to be discussed also include damage to agriculture, the task force’s budget for next year, and monitoring and research needs.

The meeting is co-organized by the Ministry of Environment and the Ministry of Agriculture and Forestry. The Finnish delegation is made up of the members of the working group from the ministries, the Finnish Wildlife Agency and the Center for Economic Development, Transport and the Environment of Northern Ostrobothnia, as well as experts and stakeholder representatives from the Finnish Environment Institute, the Finnish Natural Resources Institute, the Centers for Economic Development, Transport and the Environment of Southwest Finland and North Karelia, the University of Turku, the Association of Finnish Hunters and BirdLife Finland.

Collaboration to create a mechanism for sustainable management and exploitation of goose populations

The European Goose Management Platform is an important step forward in international cooperation to protect migratory birds and ensure sustainable hunting. The species concerned by his work include both species in decline and those whose abundance is increasing.

The working group is composed of state representatives and state-appointed experts from 16 countries. The European Commission and the main European stakeholder organizations in the fields of nature conservation, hunting and agriculture are also involved in the work. The objective of the cooperation is to maintain a favorable conservation status of goose populations while reducing, for example, the serious damage caused by certain species to agriculture and the risks for aviation.

What is AEWA?

The purpose of the Agreement on the Conservation of African-Eurasian Migratory Waterbirds AEWA is to promote the conservation of waterbirds and their habitats throughout their migratory range, i.e. breeding, stopover and wintering sites. The agreement is administered by the United Nations Environment Program UNEP. As far as Finland is concerned, it applies both to species protected under the Nature Conservation Act and to all waterfowl considered game which may be hunted.

Source: Ministry of Agriculture and Forestry, Ministry of the Environment

Melbourne’s decline in for-profit sales

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Melbourne recorded the largest decline in the number of profit-generating home resales for the March quarter, according to Corelogic’s latest Pain & Gain report.

Melbourne’s 100 basis point drop puts it ahead of Sydney with a 60 basis point drop.

The average in Australian capitals for the quarter was a decline of 60 basis points to 93.3%, the first decline in 18 months.

Darwin had the lowest number of home resales making nominal gains, 55.4%, while Canberra had the highest at 99.7%.

Corelogic’s report analyzed 106,000 home resales during the quarter.

Regional areas remained stronger on average, generating a 10 point increase to 94.2%.

Eliza Owen, head of research at Corelogic, said Hobart and the Australian Capital Territory had the highest nominal gains for the 15th consecutive quarter at 99 and 98.8% respectively.

“Hobart homes have been in incredibly high demand over the past few years, being one of two capitals, along with Sydney, where home values ​​have doubled over the past decade,” said owen.

“Homes and units have been popular, however, conditions in this market may begin to change.

“In April, home values ​​saw the first monthly decline in nearly two years and total listings began to pile up.”

Home sales pain and gain March quarter 2022

Region

Houses resold at a loss Houses resold with profit Units resold at a loss Units resold with profit
sydney 1.1% 98.9% 7.9% 92.1%
Rest of NSW 2.0% 98.0% 1.7% 98.3%
melbourne 0.5% 99.5% 11.8% 88.2%
Rest of Vic
0.5%
99.5%
1.2%
98.8%
Brisbane
0.7%
99.3%
13.4%
86.6%
Rest of Queensland
7.1%
92.9%
10.8%
89.2%
Adelaide
1.3%
98.7%
7.1%
92.9%
Rest of South Africa
7.2%
92.8%
8.1%
91.9%
Perth
9.1%
90.9%
34.4%
65.6%
Rest of WA 16.3% 83.7% 27.7% 72.3%
Hobart 0.8% 99.2% 1.9% 98.1%
Rest of Heap 1.9% 98.1% 3.9% 96.1%
Darwin 19.8% 80.2% 44.6% 55.4%
Rest of NT 17.7% 82.3% 34.1% 65.9%
LAW 0.3% 99.7% 2.5% 97.5%
National 96.2% 3.8% 11.7% 88.3%
Uppercase letters 2.7% 97.3% 13.1% 86.9%
Regional 5.1% 94.9% 8.2% 91.8%

Source: Corelogic Pain and Gain Report, March 2022 Quarter

The sale rate for for-profit homes in the quarter was 96.2%, while that for units was 88.3%.

The rate fell for both types of property nationally quarter over quarter. Median home resale gains were $370,000 compared to $173,000 units.

Units also lost more at $36,000 while homes lost $29,400.

Owens said the figures were due to an increase in apartment building from 2012 to 2017, coupled with changes that led to lower investor demand, compounding nominal losses in downtown markets.

Conditions along regional coasts are changing with the impact of higher interest rates, but profitability is high.

In the March quarter, 99.9% of Geelong resales made a nominal gain, setting a record for the region and the highest among coastal housing markets.

Geelong’s housing value has risen by 33.9% between September 2020 and March 2022 as more investors and developers rush to secure land for housing and to develop commercial and office properties. retail.

In Bendigo, each resale had a nominal gain, for a median of $301,000.

▲ Resales in Geelong during the quarter set a record.

Owens said that consistency could change as recently the regions’ housing market values ​​fell for the first time since 2020 by 0.1 percentage points.

“The price declines in the market signal that there may be a higher likelihood of shortfall sales in the months ahead, although holding periods will play an important role here,” Owens said.

Sydney’s for-profit sales rate has fallen for two consecutive quarters and Owens said the higher cash rate will reduce housing credit and affect prices and profitability.

National housing market values ​​fell 0.1% in May and more recent data suggests the decline is accelerating.

“However, it should be noted that price gains from the current housing market recovery have been very strong,” Owens said.

“It may only be recent buyers who will suffer a loss on the sale compared to those who bought before the recovery.

“Even in a declining market, the magnitude of Australia’s loss sales will be broadly in line with future capital growth trends.”

1% of the State’s Population Has Genetic Sickle Cell Disease | Raipur News

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Raipur: One percent of the population of Chhattisgarh suffers from sickle cell, a genetic blood disorder. All community health centers, district hospitals and state medical college hospitals have free testing, medicine and consultation services.
An official press release said sickle Cellular anemia patients also receive free blood whenever they need it from licensed blood banks. The state health department recently decided to perform sickle cell test for all pregnant women and children because the patient’s life can be saved if detected in time.
The State Sickle Cell Institute operates in the capital, where there are tertiary care facilities for patients. Physicians and lab technicians across the state also receive sickle cell training.
Sickle cell disease is a genetic disease and it is not due to blood transfusion or malnutrition. There are two types of this disease, sickle cell disease SS and sickle cell disease carrier AS.
Sickle cell disease SS can cause severe pain and discomfort in the patient and may require frequent blood transfusions. But with proper medication by the doctor, the patient can live longer and avoid critical problems.
A sickle cell carrier is called an AS carrier. It is not an illness. In this, the person does not experience any physical pain and does not require any type of treatment. However, if both parents are carriers, their child may be prone to sickle cell disease.
Premarital screening should be done to prevent its spread to the next generation. Screening for sickle cell disease in pregnant women and children is necessary because if detected at the time necessary precautions can be taken. Additionally, for those diagnosed with the disease, their treatment begins in time, which could be lifesaving. When sickle cell disease is detected in childhood, advice and treatment needed
Can be taken. To avoid the disease in the future child, it is very important for a pregnant woman and her husband to pass the screening.
Sickle cell disease is first tested by the solubility method. This control is easily carried out by ANM. And can be done by other health workers in sub-health centers or schools. This is confirmed by the electrophoresis test or the HPLC test or Point-of-care testing (POC).

Biogen and Samsung Bioepis launch Byooviz as biosimilar to Lucentis

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The treatment offers patients with neovascular age-related macular degeneration a more affordable option, the companies say.

Biogen and Samsung Bioepis launched ranibizumab-nuna (Byoviz), a biosimilar referencing ranibizumab (Lucentis; Genentech) in the US and began collaborations with patient advocacy groups and professional societies, provider engagement healthcare and promotional activity, the companies said in a statement.

“The launch of [ranibizumab-nuna] in the United States marks an important moment for patients, health care providers, payers and the entire health care system. Patients with retinal vascular disorders now have a more affordable treatment option,” said Ian Henshaw, senior vice president and global head of biosimilars at Biogen, in a statement.

“Our research with physicians shows that cost is cited as one of the main barriers preventing patients from starting treatment, with a third of patients unable to afford medication. [Ranibizumab-nuna] has the potential to expand access for patients with retinal disorders that can lead to permanent vision loss, while saving [US] billion-dollar health care system,” Henshaw said.

Ranibizumab-nuna will be commercially available on July 1, 2022, through major distributors across the United States, with a list price of $1,130 per single-use vial to deliver 0.5 mg by intravitreal injection.

This list price is approximately 40% lower than the Lucentris list price.

The FDA approved ranibizumab-nuna in September 2021 for the treatment of neovascular (wet) age-related macular degeneration (AMD), macular edema following retinal vein occlusion, and myopic choroidal neovascularization.

Neovascular AMD, although less common than dry AMD, is responsible for the majority of blindness or severe vision loss associated with AMD, according to the statement.

Anti-vascular endothelial growth factor (VEGF) therapies have become the reference treatment for neovascular AMD. However, in the real world, the costs associated with the treatment of neovascular AMD make it difficult to achieve optimal clinical conditions.

“The launch of BYOOVIZ, the first ophthalmic biosimilar in the [United States] marks a key step towards increasing options and reducing the financial burden associated with current anti-VEGF treatments,” said Christopher Hansung Ko, President and CEO of Samsung Bioepis, in the statement. “Samsung Bioepis’ priority is to ensure patients have access to the medicines they need, and we will continue to advance our pipeline to provide greater access to biological treatments, leveraging our decade of experience in the development , manufacturing and marketing of these important biologics. ”

Ranibizumab-nuna is the first biosimilar launched in the United States under the partnership between Biogen and Samsung Bioepis. In addition to the United States, ranibizumab-nuna has also been approved as the first ophthalmic biosimilar in Canada, Europe and the United Kingdom.

The marketing agreement between the two companies relates to 2 candidates in ophthalmology, ranibizumab-nuna and SB15, a biosimilar candidate referencing aflibercept (Eylea; Regeneron).

Ranibizumab-nuna, a VEGF inhibitor, is indicated for intravitreal use and as a biosimilar to ranibizumab injection for people with neovascular AMD, macular edema following myopic choroidal neovascularization and retinal vein occlusion.

Patients should be monitored after the injection, according to the statement.

Additionally, there is a potential risk of arterial thromboembolic events following intravitreal use of VEGF inhibitors.

Reference

Launch of Byooviz (ranibizumab-nuna) from Biogen and Samsung Bioepis in the United States. Biogenic. Press release. June 2, 2022. Accessed June 3, 2022. http://media.biogen.com/news-releases/news-release-details/biogen-and-samsung-bioepis-byooviztm-ranibizumab-nuna-launches

How the agricultural census can strengthen food security | The Guardian Nigeria News

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Unless policy formulation and implementation in agriculture is data-driven, Nigeria’s quest for food security could remain elusive.

Indeed, experts have insisted that the implementation of the National Agricultural Sample Census (NASC) aimed at capturing agricultural households for proper planning is vital in this regard.

The agricultural census is an integrated system of agricultural statistics whose objective is to provide primary data on the structure of the sector, such as the size of holdings, land tenure and others, which do not change rapidly over time.

According to the recommendation of the Food and Agriculture Organization of the United Nations (FAO), the sample census is supposed to be carried out every 10 years, to help the government monitor the evolution of the agricultural sector, but the reports say it was last performed 29 years ago.

Nigeria conducted the last round of agricultural census in 1993/94. Since then, the agricultural data situation in the country has receded and can be described as weak.

According to reports, there has been a lack of intercensal surveys to update the census, hence the need to address the country’s fragile agricultural situation.

Experts say the NACS would provide farmers with the opportunity to be listed based on the crops they grow and their livestock. But despite the benefits, the country failed to complete the exercise to completion, mainly due to lack of funds.

The General Manager of Green Sahara Farms, Suleiman Dikwa, underlined the importance of the sample census; say without accurate data, there can never be good planning.

He said if the Federal Government is sincere, the sample census would address the challenges facing the sector, lamenting that, as is the case in Nigeria, the operators of the interventions are the architects of the manipulation of the system. .

“A resident community-based approach, which collects information and intervenes at the community level, is the solution rather than a third-party approach for agricultural and other interventions.

“Interventions should help gain access for farmers to remove products from the shelves at the community level, in the same way a farmer purchases other goods and services. The system as it exists is too sophisticated for the rural farmer or the small holder.

The Deputy Director/Head of Agri-Statistics Division, National Bureau of Statistics, Abuja, Bishop Ohioma explained that data collection is having an effect in Nigeria’s quest to achieve food self-sufficiency.

He revealed that there are plans to conduct the NASC in all local councils soon, adding that the train-the-trainer exercise is expected to start this month for a period of 60 days, to screen farming households.

“The other is the National Agricultural Sample Survey (NASS), and it is supposed to be annual. The census is supposed to take place every 10 years as recommended by the FAO, the last time it was fact, it was about 28 or 29 years ago. It’s because of the funds. So immediately after the NASC, we will start with the NASS, which was done eight years ago. We will select the farmers to from the list that we will obtain during the census.

Ohioma revealed that the northern part of Nigeria is always willing to provide information when collecting data, adding that the statistics have a ripple effect in the country’s quest to achieve food self-sufficiency.

“We will also be reviewing the food safety situation in all local state councils and should be able to make recommendations to the government. You know that the government is concerned about the food security situation.

“The statistics are an estimate, it is very easy for us to collect data from the North than from the South. NASC and NASS will enhance food security; the problem we have in Nigeria for policy-making is the data problem,” he said.

Green Sahara Farms CEO Dikwa, however, warned that the exercise may not achieve its objective if the right modalities are not adopted.

He said, “On the other hand, the issue is not the census, but the modality deployed to collect the information.

“If the census is carried out and the same actors who compromise the system are hired to collect the information, then the goal is defeated. The general census will take place next year and I assume that the profession will be one of the information required and therefore can serve the same purpose.

A Melbourne company’s innovative solution to Australia’s housing crisis

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A melbourne company came up with an innovative idea to solve Australia’s problem lodging crisis by building entire houses across 3D printing.

Fortex technical director Jake Hartman said the process is similar to a desktop 3D printer, but on a much larger scale and can build a house in a more efficient timeframe.

“We are able to produce concrete on site, pump it on site and deliver the wall system to a house on site,” he said.

The company 3D prints concrete houses. (9News)
Melbourne company 3D printing houses
The process can take at least 40 hours to print a house. (9News)

It is a printer based on concrete but can use local resources to build the houses.

CEO David Lederer said the system is best suited for a flat surface to build on, but can build houses up to 12 meters.

“It’s a modular system ranging from small houses to 12 meters wide and three stories high and 50 meters deep before you have to move the printer, so infinite depth,” Lederer said.

Hartman added that it gives more “design freedom” to architects because of the ease of building houses of different shapes like curved walls.

“The design freedom it will give to architects and designers will result in a whole new way and style of living because of the different shapes and forms we will be able to see in home construction,” Hartman said.

Melbourne company 3D printing houses
It is hoped that the process will help resolve Australia’s housing crisis. (9News)
Melbourne company 3D printing houses
The process is not limited in size and can build houses up to 12 meters. (9News)

Fortex realized it was possible to build a 210 square meter one-story house in just 40 hours with two days of printer setup before construction.

“That compared to a conventional building of eight to 12 weeks for the wall system, that is to say not counting the delays that all the builders have in terms of supply, now that could explode to 14 weeks for the system wall,” Lederer said.

The company said the technology would not put looms out of business, as workers are still needed to operate the printing system.

It comes as the construction industry is under severe pressure due to shortages of materials and workers and high demand after the COVID-19 shutdowns shut down the sector.

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China Blocks US, India’s Move to List Pakistani Terrorist on UN Security Council

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China has repeatedly blocked attempts by India and its allies to list Pakistani terrorists in the UN

The United Nations:

China today blocked at the last minute a joint proposal by India and the United States to the UN to list Pakistan-based terrorist Abdul Rehman Makki as a ‘global terrorist’ under the UN Security Council ISIS and Al-Qaeda Sanctions Committee.

Makki is a US Designated Terrorist and the brother-in-law of Lashkar-e-Taiba (LeT) leader and 26/11 mastermind Hafiz Saeed.

It is learned that New Delhi and Washington had submitted a joint proposal to designate Makki as a global terrorist under the UN Security Council’s 1267 ISIS and Al-Qaeda Sanctions Committee, but Beijing suspended this proposal at the last minute.

Also earlier, China suspended and blocked offers from India and its allies to list terrorists based in Pakistan.

In May 2019, India scored a huge diplomatic victory at the UN when the world body named Pakistani leader Jaish-e-Mohammed Masood Azhar a “global terrorist”, a decade after New Delhi had approached the global body for the first time. publish.

A permanent member of the UN Security Council with veto power, China was the lone resister in the 15-nation body in an attempt to blacklist Masood Azhar, blocking attempts to placing a “technical suspension”. All committee decisions are made by consensus.

In 2009, India itself proposed to appoint Masood Azhar. In 2016, India again submitted the proposal with the P3 – the US, UK and France in the UN 1267 Sanctions Committee to ban Masood Azhar, also the mastermind of the attack on Pathankot Air Base in January 2016.

In 2017, the P3 nations again presented a similar proposal. However, on all occasions, China, a permanent member of the UN Security Council with a right of veto, prevented the adoption of the Indian proposal by the sanctions committee.

Continuing international pressure to designate Masood Azhar as a global terrorist, the United States, backed by France and the United Kingdom, had proposed a draft resolution directly to the UN Security Council to blacklist him.

In November 2010, the U.S. Treasury Department designated Makki as a Specially Designated Global Terrorist.

As a result of this designation, among other consequences, all property and interests in Makki property that is subject to US jurisdiction is blocked, and US persons are generally prohibited from engaging in transactions with Makki.

“Furthermore, it is a crime to knowingly provide, or attempt or conspire to provide, material support or resources to the LeT Foreign Terrorist Organization,” the United States said.

The US State Department’s Rewards for Justice program offers a reward of up to $2 million for information on Makki, “also known as Abdulrahman Maki. Makki served in various positions within Lashkar-e-Taiba (LeT), a company designated by the United States Foreign Terrorist Organization (FTO). He has also been instrumental in raising funds for LeT’s operations.”

“In 2020, a Pakistani terrorism court found Makki guilty of one count of financing terrorism and sentenced him to a prison term. The United States continues to seek information about Makki because the Pakistani justice system released LeT leaders and agents convicted in the past,” according to information from the Rewards for Justice website.

(Except for the title, this story has not been edited by NDTV staff and is published from a syndicated feed.)

New MI Group Census Data Highlights Need for Higher EITC / Public News Service

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The latest county census data revealed that Michigan child poverty rate remains at 19%, and child and family advocacy groups say it’s time to raise the state Earned income tax credit (EITC).

Michigan residents are grappling with inflation, including high food and gas prices, rising child care costs, and other basic needs.

Monique Stanton, president and CEO of the Michigan League for Public Policy, said census numbers show now is an important time to put money in the hands of working families. She noted that almost every aspect of children’s lives improves when their parents are in a better financial position.

“The amount of tax credit you get increases with the number of children you have, and it’s also influenced by your particular income,” Stanton explained. “In Michigan, we have a federal credit rate of only 6%, that’s one of the lowest rates in the country. And we have the ability to raise the rate significantly.”

Stanton noted that lawmakers are the introduction of increases from 20% to 30%. She pointed out that children of color have higher poverty rates, about two to three times higher than white children, and that the EITC is a strategy to equitably reduce child poverty rates.

Matt Gillard, president and CEO of Michigan’s Children’s Group, acknowledged that the state had long struggled with high poverty rates for families with children, even before the pandemic. He said that because EITC money often goes directly back into the local economy, bipartisan groups of lawmakers and the business community are in favor.

“Putting that money back into the hands of working families dramatically improves their position and situation,” Gillard said. “And helps them cover the costs of raising children and helps improve the lives of those children, but also helps local economies.”

Studies have shown that greater access to the EITC leads to lower rates infant mortality, offsets some racial disparities in the tax system, and may even lead to higher incomes for children later in life.

It was shown at improve test resultsespecially for boys, children under 12, black and Latino children, and those whose parents are unmarried.

Disclosure: The Michigan League for Public Policy/KIDS COUNT contributes to our fund for reporting on policy and budget priorities, children’s issues, living wages/working families, and poverty issues. If you would like to help support news in the public interest, click here.

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Dish Wireless construction reaches 20% of US population

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Despite a rocky start, the carrier met its FCC mandated 20% coverage deadline

“Are they going or are they not going?” has been an almost constant question in telecoms for months: will Dish Wireless be able to meet the deadline imposed by the Federal Communications Commission, to offer service to 20% of the population by June 14, 2022? Conflicting rumors confirming Dish’s impending success or failure were released the same day. But before the market opened on Wednesday, Dish confirmed that it had indeed met the FCC deadline, reaching more than 20% of the United States with its new 5G service by June 14. By this time next month, Dish will have filed its build report with the FCC, so we’ll have to wait until then for more granularity. For now, however, Dish seems happy to take the win.

“As of June 14, Dish has provided 5G broadband service to over 20% of the US population. This marks a major milestone in building the world’s most advanced cloud-native Open RAN 5G network, as Dish continues to change the way the world communicates,” the company said in a statement.

Dave May, Executive Vice President of Network Development for Dish Wireless, thanked Dish’s many partners in announcing the milestone. He thanked AWS, Cisco, CommScope, Dell, Fujitsu, Intel, JMA, Mavenir, Nokia, Oracle, Palo Alto, Qualcomm, Samsung and VMware, adding, “We are the only major network in the world built primarily with US vendors. ”

The Dish Wireless rollout got off to a rocky start. Company chairman Charlie Ergen told investors earlier this year that the company’s 5G greenfield network rollout was six months behind schedule.

“Lots of lessons learned”

“I think ultimately we found that we had to become the system integrator. It was not a role we thought we would play. But with all sellers, someone has to be the middleman between them and the glue that holds them together, and we’re a lot more into that than we might realize. So a lot of lessons were learned there, but we’re certainly moving at a very fast pace. Now we probably wasted some time, but it’s my fault,” Ergen said.

It wasn’t until early May that Dish announced its 5G service was available in Las Vegas, provided you were willing to shell out $900 for a Motorola Edge+ smartphone — the only one Dish had qualified to work. Since then, Dish said it has expanded its network to include more than 120 cities across the country. Dish noted that the number of supported devices has tripled, to now include the Samsung Galaxy S22 smartphone and NetGear 5G hotspot. Subscribers should visit Dish’s Project Genesis website to find out if they are eligible for the service and to sign up.

Dish said it was the first service provider in the United States to support Voice over New Radio (VoNR). VoNR is a basic 5G service only available to carriers running standalone 5G deployments. VoNR implements voice calls as end-to-end voice over IP (VoIP) connections managed using a core IP Multimedia System (IMS) architecture. Dish said it will expand VoNR service and features as it optimizes the technology.

“Dish’s 5G broadband service is 3GPP Release 15 Enhanced Mobile Broadband (eMBB) compliant and operates through Dish’s 5G core,” the company said. “The 20% coverage uses Dish’s AWS-4, Lower 700 MHz E Block and AWS H Block spectrum.”

Deputy U.S. Marshal Adrian Pena indicted for allegedly tracking cellphone locations of personal acquaintances

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A federal agent has been accused of abusing cellphone tracking technology to seek the locations of people he had personal relationships with – and lying to investigators when confronted, according to an indictment indictment unsealed on Tuesday.

Deputy U.S. Marshal Adrian Pena has been charged in an indictment with 14 counts of misconduct dating back to 2016. Officials say he misused law enforcement data for personal reasons while that he was assigned to a task force with the Uvalde County Sheriff’s Office – one of the law enforcement agencies now under intense scrutiny for waiting more than an hour to confront a gunman who killed 19 children and two teachers at a primary school last month.

As part of his job with the Lone Star Fugitive Task Force in Uvalde, Pena, 48, had access to a database that allowed users to search for the location of cellphones. While the database was meant to be used only for legitimate law enforcement work, Pena used it “numerous times … to obtain location data associated with the cell phones of his personal associates, including persons with whom Pena was or had been in a personal relationship and their spouses,” according to the indictment.

He was charged with 11 counts of criminally obtaining telephone recordings, two counts of making a false statement and one count of tampering with a recording. He made a brief appearance Monday in federal court and was released.

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Officials say that when Pena was confronted and questioned in 2017 by the Justice Department’s Inspector General’s Office, he lied and claimed he was not using the database for personal reasons. He reportedly said he occasionally accessed the database to help friends find their cellphones or to assess whether the system was working properly.

“I did, tests, tests on my phone,” Pena told officers, according to the indictment. “The times I’ve used it, again, to find a lost or misplaced phone.”

When asked specifically if he used the system to find the location of a family member, friend or former girlfriend, Pena said no, which prosecutors allege is a lie.

After being questioned by the officers, Pena allegedly arranged a face-to-face meeting with one of the people whose phone he found and persuaded her to sign a document stating that she had given Pena permission to search. his phone information. The indictment alleges that the written statement was false and intended to obstruct the investigation into Pena’s conduct.

It was not immediately clear – and officials would not comment – why it took nearly five years to charge Pena, during which time he apparently remained a paid employee of the Marshals Service.

Federal prisoners’ bank accounts leave more than $100 million unreviewed

Pena reportedly used a service provided by Securus Technologies, which provides telephone services to prisons but also gave law enforcement the means to track the location of cellphones. The system required law enforcement officials seeking to track the location of a cellphone to upload an official document proving that they were authorized to search for that data.

Prosecutors accuse Pena of circumventing this requirement by uploading documents that had nothing to do with the clearance, including “blank pages, award certificates, a list of justifications for a merit promotion, templates letterhead” and more.

“These documents were unofficial and did not authorize Pena to obtain cell phone location data,” the indictment charges.

Asked about the charges, Securus released a statement saying the company discontinued this tracking system more than four years ago “and permanently discontinued it. Even when it was operational, it was only available to users who had received permission from a law enforcement agency or institution. The tool was built with safeguards and security protocols, but we also relied on the integrity of law enforcement to operate it ethically.

The company said it believes “privacy and security are fundamental…and we will never provide the service again, period.”

Pena did not immediately respond to an email seeking comment, and court records did not mention an attorney representing him. A Marshals Service spokeswoman did not immediately comment on the charges. A spokeswoman for the Office of Inspector General referred the questions to the Department of Justice.

Intelligent location of craft breweries using census data

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Recent data from the Brewers Association identifies market dynamics that continue to pinch craft brewing.

As summer dawns, factors such as supply chain delays may be evident, while the impact of the nearly 50% drop in barley exports from Ukraine may not being.

Northern Colorado utility data scientist Abiah Shaffer developed a consumer profile model for a study area in Phoenix to examine the demographic trends of its craft beer consumers. (Abiah Shaffer/Courtesy image)

Broad market forces like these have long been speed bumps for craft brewers, and even where craft beer is plentiful, small brewers and startups need to know what they’re getting into before risking savings. retirement.

Geodemographic business data often reflects key information in this effort, revealing where a new brewery could have the most success, despite outside market influences.

Abiah Shaffer, a Northern Colorado utility data scientist, grew up in Fort Collins. And he’s been interested in craft beer for a long time. This passion led her to focus a master’s thesis on the value of geodemographic spatial data in the planning of start-up craft breweries. “If you have to study something for two years, why not beer? Shaffer joked about his dissertation – Demography in Location Intelligence: A Study in Craft Brewery Site Selection (UMI number: 1595465).

Despite the exponential growth of the craft beer industry since 1980, Shaffer has noticed that the failure rate for breweries remains high. According to data from the Brewers Association pre-COVID-19, there was a 48.5% failure rate for breweries and a 24% failure rate for microbreweries during this period.

Many factors that often determine the success of a craft brewery are location-related, for example, changes in demand, low production, and limited availability or acquisition of ingredients. These observations led Shaffer to see the potential business benefits of applying geodemographic information to site selections, similar to how marketers target new product launches.

“Geodemographic data” is a class of spatial data built on layers of population segments linked to location-based criteria, such as where individuals live, work, shop and their demographic profiles. Analyzing this data involves classifying and ranking target audience data segments, relative to locations such as a potential brewery site.

Craft brewers rely on the engagement of their local community by appealing to ‘neo-local’ sentiment, providing a unique atmosphere and beers that local customers see themselves in. Neolocalism spurs “buy local” efforts and often gives new traction to a brewery in a location. Shaffer speculated that this intersection of interests could be leveraged to make informed business start-up decisions.

Theoretically, the integration of location science and GIS modeling can enable a new or satellite craft brewery to choose an ideal location that takes advantage of neo-local sentiment and market opportunities. Shaffer’s approach employs a traditional marketing use of demographic data, as well as identifying where that data overlaps with the area of ​​influence of existing craft beverage establishments.

Shaffer began by developing a consumer profile model for a study area in Phoenix and examining the demographic trends of its craft beer consumers, including the top reasons a consumer visits a craft brewery; the distance a consumer is willing to travel to visit a brewery, and the correlations between proximity to home, work, shopping, or other destinations and a consumer’s decision to visit a brewery.

In the age of “big data,” including deep data from the US Census Bureau, the information to create and compare these market layers exists. “Census data is difficult to use, however,” Shaffer said. “Manuals are written on how to put them together, how to interpret them and how to manipulate them.”

Successful analysis therefore usually requires commercial software or consultants. Nevertheless, an investment in good planning can help avoid losing a larger investment later, as Shaffer’s study found for a model location that seemed ideal based on area factors but turned out to be the opposite by digging into the geodemography of the market.

“We’re all looking for acceptance and like-minded people,” Shaffer said of the importance of this data for business planning. Nevertheless, she recognizes that data alone is not a panacea; it is inherently subjective how and when surveys are conducted, and the cultural biases of study subjects.

Data can also be used to perpetuate population divisions, targeting corporate placements in ways that frustrate rather than strengthen communities, and further reinforce psychographics (i.e. the similarity of spirit of a market).

Post-COVID, many non-demographic factors also became influential in the successful establishment of a craft brewery, including outdoor spaces, distribution and packaging routes, price level, and “economic cluster” dynamics. related to the production of similar products, for example, seltzer water and hard cider.

Nonetheless, knowing who your customer is and where they spend time has always been essential to successfully opening a new business, craft beer or otherwise. Shaffer’s research and the availability of commercial tools to study census and other geodemographic data make this exercise easier than it once was, even if the rest of the global market remains unpredictable.

Cyril Vidergar can be contacted with ideas and comments at [email protected]

Todd: Ottawa increases social housing funds for aggrieved British Columbia

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Opinion: Yet former mayor and premier Mike Harcourt says Ottawa needs to do a lot more about the housing crisis

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Two years ago, NDP MP Jenny Kwan protested that the federal Liberals were spending less than 1% of their social housing budget on British Columbia, when the province is home to 11% of the population of country.

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The glaring imbalance has improved since Kwan aired his complaints.

But the NDP MP for Vancouver East says British Columbians, who struggle with some of the most expensive housing on the continent and high rates of homelessness, are still not getting their rightful share of social housing funds . The vast majority continue to go to vote-rich Ontario.

“It was shocking to learn that in January 2020, British Columbia was so severely short-changed by the federal government for our fair share of funding for social housing and shelters from the National Strategy Co-Investment Fund housing, the only federal social housing program at the time. “, said Kwan.

“Since I revealed that BC only got 0.5% of the funding, I am happy to report that more funds have started flowing to BC”

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Kwan, the NDP’s housing critic, isn’t alone in being appalled by the historically low level of non-profit housing money flowing into British Columbia. Former provincial premier Mike Harcourt said last week that the federal Liberals made a huge mistake in 1993 when they canceled those housing programs.

Now, nonprofit housing is needed more than ever, especially given widespread homelessness and addiction in British Columbia, Harcourt said, adding that Prime Minister Justin Trudeau’s record new immigration targets for Canada are also putting intense additional pressure on housing and prices.

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Compared to the measly 0.5% of funds BC has received in the past for social housing, Kwan’s office provided government data showing that the proportion of that money that went to the province, based on figures from the beginning of last year, climbed to 5.7%.

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This was equivalent to $135 million in grants and loans to British Columbia from the National Housing Strategy Co-Investment Fund, a branch of Canada Mortgage and Housing Corporation.

Meanwhile, Kwan’s aide provided figures showing that last year Ontario received 86% of the fund’s money, for a total of $1.3 billion. Alberta was worse off than British Columbia, attracting only 1.8%.

When Kwan factored in the additional funding from the Ottawa Co-Investment Fund that was “committed,” i.e. pledged based on certain conditions that had to be met, she said the proportion potentially destined for British Columbia last year jumped to 8.6% of the total or $266 million. Ontario, which has three times its population, received $2.4 billion.

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“While that’s a big improvement from 0.5%,” Kwan said, “it’s still not enough. We’re still below per capita, which is 11%.”

Although the federal Liberals announced a new national housing strategy in 2017 with “great fanfare”, including declaring that “adequate housing is a basic human right”, Kwan said the housing crisis was only getting worse. .

While Harcourt praised Kwan for drawing attention to B.C.’s past shortfall, former Vancouver mayor laments former premier Jean Chrétien’s decision to scrap non-profit housing program of Ottawa, which produced 25,000 low-cost housing units a year (many of them in Vancouver), ensured that 600,000 subsidized units were never built.

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“Now, the Liberals’ increased immigration levels from 250,000 to 400,000 newcomers a year means we need massive catch-up and a well-funded federal housing program, in partnership with government initiatives. provincial funding,” Harcourt said, noting that 75% of immigrants move. in Montreal, Toronto or Vancouver.

“The Liberals’ increase in immigration levels from 250,000 to 400,000 newcomers a year means we need a massive catch-up” in social housing, says former B.C. Premier Mike Harcourt. Photo by Arlen Redekop /PNG

When Postmedia asked federal Housing Minister Ahmed Hussen if he thought B.C. was getting a fair share of social housing money, officials didn’t offer an opinion or release numbers on the payments finalized to British Columbia.

Instead, CMHC media relations officer Leonard Catling said the latest figures, as of March, indicate $899 million has been pledged based on certain conditions that do not have not yet been met, to BC applicants through the Co-Investment Fund to build or repair 6,800 affordable housing units. Of a national fund of $5.3 billion, this equates to 16% for British Columbia

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The federal government’s Place to Call Home website, Catling said, provides more information on how the federal government is providing additional funding to applicants in British Columbia and elsewhere for things like building rental housing and subsidizing rents for “marginalized low-income groups.

Jill Atkey, head of the BC Non-profit Housing Association, said she was encouraged to see increased federal investment in affordable housing, including through CMHC’s co-investment arm. “However, the rental affordability crisis is worse in British Columbia than anywhere else in the country and investments must address this need. We’re not there yet.”

Because land prices are so high in British Columbia, especially in urban areas, Atkey said the amount of federal money spent on building low-cost housing in the province doesn’t go as far as in other parts of the country.

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For his part, Harcourt, who recently penned a commentary for the Vancouver Sun arguing that the City of Vancouver should increase density while avoiding “overdeveloping” certain neighborhoods, praised the B.C. government’s commitment to working with the private sector to create about 11,000 affordable housing units per year.

Ottawa, he said, needs to support the construction of 7,000 more non-profit housing units each year for the province.

The request is urgent.

[email protected]


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Bluffton and Hardeeville continue strong population growth

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Hardeeville and Bluffton continue to rise as two of South Carolina’s fastest growing municipalities over the past year.

Bluffton ranked No. 1 in the state for total population growth in the U.S. Census Bureau’s 2021 estimates, according to the SC Department of Employment and Labor. Hardeeville was ranked eighth in total population growth and first in percentage growth. Bluffton was second in percentage population growth.

Hardeeville’s population increased by 14.3%, gaining approximately 1,106 new residents. Bluffton’s population increased by 12%, with 3,457 new residents.

South Carolina’s estimated population grew to 5,190,705, an increase of 1.4%. Department of Jobs and Manpower director Dan Ellzey said 26 of 46 counties saw population increases in 2021, but most rural areas saw gradual losses, especially those in the south and east of the state.

Ellzey noted Hardeeville’s growth, adding that SC Revenue and Fiscal Affairs Office projections indicate that the city and county of Jasper will likely become a much larger part of the state’s total population and economy in the years to come.

“This city has increased its population by one-seventh in a single year and is the fastest growing municipality in the state by percentage,” Ellzey said in a news release. “Hardeeville benefits from its proximity to Hilton Head Island and Savannah, making it a very convenient place to live and work.”

City Manager Michael Czymbor said Hardeeville undertook a comprehensive analysis of the proposed development and its potential impact a few years ago.

“This vital analysis has been updated annually and provides insight and guidance in the preparation of our annual budget request and grant applications to meet the need for additional personnel, equipment and facilities,” Czymbor said. “…The City is also working to amend all of our growth management policies and the Municipal Zoning and Development Ordinance to address all of the issues and challenges that come with rapid growth environments.”

Growth is important to the city, Czymbor said, because it creates an attractive environment for business developers trying to attract.

“The city’s ideal proximity to the Port Authority of Georgia makes the US 17 corridor south of Exit 5 an ideal location for storage, logistics and manufacturing,” he said. “The City has licensed over 15 million square feet of industrial space in this area. All of this growth will provide many high-quality, high-paying positions for our residents and Jasper County residents.”

Czymbor said the city is working to limit the impacts of some of the negative elements of growth, such as “increased traffic, pollution and its impact on all of our existing infrastructure and roads.”

“The city, as development proposals are submitted, (requires) a traffic impact analysis and detailed studies of how the current environment and landscape will be affected by the proposed development” , did he declare. “Ongoing due diligence on our part will be required to ensure quality end products.”

Explained | What is the FATF and why is Pakistan on its “grey list”?

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How is Pakistan aiming to get off the Financial Action Task Force gray list?

How is Pakistan aiming to get off the Financial Action Task Force gray list?

The story so far: Ahead of the plenary session of the Financial Action Task Force (FATF), the global financial crime watchdog, June 14-17 in Berlin, Pakistan, which continues to grapple with an economic crisis, hopes for respite under the form of its removal from the FATF “grey list” or the list of countries posing a risk to the global financial system.

At its last plenary meeting in March, the FATF maintained Pakistan’s listing, calling on it to quickly address remaining shortcomings in its financial system.

What is the FATF?

The Financial Action Task Force is an international watchdog for financial crimes such as money laundering and terrorist financing. It was created at the 1989 G7 Summit in Paris to fill the gaps in the global financial system after member countries expressed concerns about increasing money laundering activities. In the aftermath of the September 11 terrorist attack on the United States, the FATF also added terrorist financing as a priority area. This was later expanded to include restricting the funding of weapons of mass destruction.

The FATF currently has 39 members. The FATF’s decision-making body, known as its Plenary, meets three times a year. Its meetings bring together 206 countries from the global network, including members and observer organizations, such as the World Bank, some United Nations offices and regional development banks.

The FATF establishes standards or recommendations that countries must follow in order to close gaps in their financial systems and make them less vulnerable to illegal financial activities. It regularly conducts peer-reviewed assessments called mutual evaluations (MEs) of countries to check their performance against the standards it prescribes. Reviews are conducted by FATF and FATF-like regional bodies (FSRBs), which then issue mutual evaluation reports (MERs). For countries that are not performing on certain standards, time-bound action plans are developed. Recommendations to countries range from crime risk assessments to establishing legislative, investigative and judicial mechanisms to prosecute money laundering and terrorist financing cases.

What are the FATF “grey” and “black” lists?

Although the terms “grey list” and “black list” do not exist in the official FATF lexicon, they refer respectively to the countries which must endeavor to comply with the FATF guidelines and those which do not. .

At the end of each plenary meeting, the FATF produces two lists of countries. Gray countries are designated as “jurisdictions under heightened surveillance”, working with the FATF to combat criminal financial activity. For these countries, the watchdog does not tell other members to do due diligence on the listed country, but does tell them to consider the risks these countries pose. Currently, 23 countries including Pakistan are on the gray list.

As for the blacklist, it designates the countries designated as “high-risk jurisdictions subject to a call to action”. In this case, countries have significant gaps in their AML/CFT (anti-money laundering and countering the financing of terrorism) regimes and the body calls on members and non-members to apply enhanced due diligence. In the most serious cases, members are asked to apply countermeasures such as sanctions against listed countries. Currently, North Korea and Iran are blacklisted.

Being on the FATF lists makes it difficult for countries to get help from organizations such as the International Monetary Fund (IMF), Asian Development Bank (ADB) and the European Union. It can also affect capital inflows, foreign direct investment and portfolio flows.

Why is Pakistan on the gray list?

Pakistan was held on the gray list in March because it had yet to address concerns over terrorism financing investigations and prosecutions of top leaders and commanders of UN-designated terror groups. Diplomatic sources in Pakistan said The Hindu that steps had been taken in this direction, such as the conviction of the leader of the terrorist group Hafiz Saeed, the prosecution of Masood Azhar, the arrest of approximately 300 other designated terrorists and the seizure of more than 1,100 properties belonging to terrorist groups. India, for its part, a member of the FATF, suspects the effectiveness and permanence of the Pakistani actions.

Pakistan is currently banking on its potential exclusion from the gray list to help improve the status of difficult negotiations with the International Monetary Fund to secure bailout funds.

Pakistan has found itself frequently on the gray list since 2008, for weaknesses in the fight against terrorist financing and money laundering. In 2009, the country began cooperating with the FATF-like regional body, the Asia-Pacific Group (APG), for an MA process.

At the end of the MA in June 2010, Pakistan made a “high-level political engagement” with FATF and APG to address its strategic AML/CFT deficiencies. He was entrusted with an action plan that required demonstrating adequate criminalization of money laundering and terrorist financing as well as adequate measures to identify, freeze and confiscate the assets of terrorists.

He was delisted in 2015 due to his progress, but was put back on it in 2018. He received a 27-point action plan to restrict terrorist financing activities. After warnings and two deadline extensions on the first plan, Pakistan has been prescribed another seven-point action plan by the APG in 2021, specifically focused on combating money laundering. In March, Pakistan informed the FATF that it had completed 32 of the 34 actions under the two plans, but remained on the list. The FATF gave him time until January 2023 to complete the 2021 plan.

THE ESSENTIAL

Ahead of the plenary session of the Financial Action Task Force from June 14 to 17, Pakistan hopes to have its name removed from the FATF’s “grey list”.

Gray countries are designated as “jurisdictions under heightened surveillance”, working with the FATF to combat criminal financial activity. The countries on the blacklist are “high-risk jurisdictions subject to a call to action”. These countries have huge gaps in their anti-money laundering and anti-terrorist financing regimes.

Pakistan was held on the gray list in March because it had yet to address concerns over terrorism financing investigations and prosecutions of top leaders and commanders of UN-designated terror groups.

Analysts: Lack of affordable housing threatens economy

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The shortage of affordable housing in Palm Beach County has begun to affect the growth of its economy, to the point that its recent expansion is under threat, speakers said at a housing summit last week.

Some companies interested in relocating their headquarters to Palm Beach County have put plans on hold until the situation improves, said Kelly Smallridge, chief executive of the county’s Economic Development Council, as she was leading a panel discussion Thursday at the Palm Beach County Convention Center.

One company even explored the possibility of buying an apartment building for its employees, but couldn’t because of the cost, she said.

Smallridge said a few employees quit within days of being hired because they couldn’t find housing to match their salary.

“We offer competitive salaries,” said Clinton Forbes, executive director of Palm Tran, the county’s bus system, “but we struggle to hire and retain employees. People want to live where they work, and it’s hard for our drivers to do that.

The starting salary for bus drivers is $65,000, which is potentially enough to buy a house costing around $200,000 on a 30-year mortgage, according to online calculators.

Only a fraction of new housing in Palm Beach County fits “labour” budgets

Analysts have estimated the county’s affordable housing shortage at tens of thousands of homes, condominiums or apartments. Over the past five years, the county has created about 1,000 residence halls for the workforce, a figure County Commissioner Mack Bernard has said in the past is woefully insufficient.

“It’s going to take all of us to preserve paradise,” County Administrator Verdenia Baker said, noting that the county’s population has grown from 863,503 in 1990 to more than 1.5 million.

Housing demand has pushed the median cost of homes to more than $600,000, Baker noted, nearly four times what it was in 1990.

Thursday’s summit came as commissioners plan to ask voters to approve a referendum on the $200 million bond in November to build more affordable housing and for the workforce. Bernard, a panelist, said the bond approval will help create more capacity.

“We desperately need this to happen,” he said, noting that as more units are built, prices will come down. Other commissioners questioned whether it was wise to ask for the bond at a time of high inflation and with money coming from unspent past county housing money.

Bernard, who represents Riviera Beach and parts of central Palm Beach County, also acknowledged the county needs to “use current dollars more effectively.”

Some want to put the $200 million housing bond vote on the ballot

Jack Weir, president of Eastwind Development, another panelist, said the bond issue will provide a dedicated source of funding for developers.

He expects the funds to be used as “gap” financing, which will provide low-interest loans to help pay some of the construction costs for apartments and condominiums. Builders would be required to reserve certain residences at below-market rates.

The county’s Workforce Housing Program aims to create residences that people in essential occupations such as teaching, nursing and public safety can afford.

The rents that can be requested by participating developers are linked to household income: the lower the income, the lower the rent. These rents vary between 60% and 140% of the median family income.

Rents, for example, for a one-bedroom apartment should be capped at $1,318 for households earning up to $63,280. Rent can be as high as $2,306 for a household earning $110,740.

The county requires new residential developments to set aside a percentage of their units for households with qualified income. In exchange, developers can increase the density of their projects, sometimes doubling what the zoning code allows. Rental limits apply to units between one and four bedrooms.

County guidelines apply to unincorporated areas. Some municipalities have their own guidelines.

Nick Rojo, president of Affiliated Development, noted that any solution will have to come from the local or county level. “We can’t rely on Tallahassee,” he said.

Weir noted that the state legislature often took money from a state housing fund to balance the state budget. Backed by the state’s Republican-led legislature, Gov. Ron DeSantis in 2021 signed a bill to divert half of Florida’s affordable housing trust fund — called the Sadowski fund — to pay for housing systems. remediation and sea level rise projects.

Weir and Rojo said developers also need to do a better job of confronting the “not in my backyard” argument, aimed at dissuading city, town and village officials from approving denser, higher-density developments. tall as apartment buildings in neighborhoods dominated by single-family homes. .

“We need to make sure that future tenants of these apartment buildings are represented at public hearings,” Weir said, “so that elected officials understand that there are two sides to this situation.”

Plastic residue shortens mosquito life cycle and facilitates population explosion: The Tribune India

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Thiruvananthapuram, June 11

In a study carried out in the waterlogged canals that run through the state capital Thiruvananthapuram, a team of researchers found that residue released into the water from plastic waste unravels a chemical environment that allows mosquitoes to complete their life cycle in rapid succession than that of water which is free of plastic waste.

The study was carried out by RV Ayana Gayathri and DA Evans attached to the Department of Zoology, University College Thiruvananthapuram.

The study highlighted that bisphenol A, bisphenol S and phthalates are identified as the main residues released to water from plastic waste.

“Quantitative estimation of bisphenol A (BPA) by gas chromatography and mass spectroscopy revealed that water samples from mosquito breeding sites possess the compound at a concentration of 1 mg/L (1 ppm). At this concentration, BPA can shorten the life cycle of mosquitoes from 13 days to 10 days,” the study notes.

The life cycle of mosquito ends in polluted water and has four stages such as egg, larva, pupa and adult mosquito. Female mosquitoes lay eggs four days after the blood meal on the water surface or on floating wet objects.

The study observed that under the atmospheric temperature range of 26 to 31 degrees, the eggs hatch into larvae after 36 hours.

Technically, the study found that in the presence of BPA, hatching time is reduced to 18 hours.

Mosquito-borne diseases such as malaria, dengue fever, encephalitis, chikungunya and Kyasanur forest disease are major health concerns for people living in tropical countries.

The globe’s equator offers plenty of chances for mosquitoes to survive with heavy rainfall, high humidity, and high temperature. Therefore, the mosquito population density is high in these regions compared to temperate regions.

Anthropogenic factors such as the disposal of plastic waste provide additional chances for mosquitoes to complete their life cycle, as this waste creates stagnation.

Thus, the present study found that instead of providing additional chances of survival, the residue released to water from plastic waste unravels a chemical environment that facilitates the full life cycle of mosquitoes in rapid succession relative to that of water devoid of plastic waste.

“During the peak of summer, the atmospheric temperature is high in the range of 30 to 38 degrees Celsius, while the life cycle of mosquitoes is completed in 12 days, which is further shortened to 9 days by BPA. Mosquitoes typically complete two life cycles within a month, and the presence of BPA in their breeding sites may facilitate the completion of the life cycle within 30 days,” the study notes.

They said this could have far-reaching implications for the mosquito threat and that humans act as facilitators. IANS

Wolf Administration Celebrates Mural Honoring Roberto Clemente, Highlights Continued Commitment to Diversity in Communities

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Bethlehem, Pennsylvania – Today, the Director of Diversity, Equity and Inclusion for the Department of Community and Economic Development (DCED), Norman Bristol Colón, joined the Lehigh Valley Hispanic Center for the unveiling of a mural commemorating Pennsylvanian Roberto Clemente, a prominent figure in the Puerto Rican community and legendary baseball player.

“Roberto Clemente, who was and still is a Pennsylvanian via Puerto Rico, inspired generations of Americans. This mural elicits a great sense of community pride, ownership and empowerment while embracing and celebrating the rich Latino history of Bethlehem and the Lehigh Valley,” said Director Bristol Colón. “The Wolf administration remains committed to improving opportunities for underrepresented communities to step out of the shadows to enjoy our shared prosperity and building a sustainable future.”

The mural was designed by Salina Almanzar-Oree and is located at 520 East 4th Street in Bethlehem, Lehigh County. This new piece of public art honors Roberto Clemente, who was a professional baseball right fielder who played 18 seasons in Major League Baseball for the Pittsburgh Pirates. Clemente believed in giving back and was heavily involved in charity work in Latin American and Caribbean countries. He was posthumously inducted into the National Baseball Hall of Fame in 1973 after he died in a plane crash while en route to provide relief for earthquake victims in Nicaragua.

The Wolf administration has created many initiatives to help foster diversity throughout the Commonwealth. Two of these initiatives include the 2020 Census Full Count Commission and the Governor’s Advisory Commission for Latin American Affairs.

Director Bristol Colón has been appointed by Governor Wolf as Executive Director of the 2020 Census Full Count Commission. The governor established this commission in 2018 to make recommendations on the most accurate count of Pennsylvanians in the 2020 census, which included accounting for historically undercounted and underrepresented communities. In the 2020 censusPennsylvania’s diversity index rose from 35.3% in 2010 to 44%.

Director Bristol Colón was also accompanied by a representative of the Governor’s Advisory Commission for Latin American Affairs. Created in 2015, this commission is dedicated to advising Governor Wolf on policies and legislation that impact Latino communities.

For more information, visit the DCED website and be sure to stay up to date with all the news from our agency at Facebook, Twitterand LinkedIn.

MEDIA CONTACT:
Penny Ickes, DCED, [email protected]

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5 companies that came to win this week on June 10

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The week ending June 10

Topping this week’s Came to Win list, Cisco Systems provided a blueprint for its security cloud offerings.

Also on this week’s list are Pure Storage and Nvidia for launching the next generation of their AI-ready infrastructure and Palo Alto Networks for previewing its new autonomous security operations center technology.

Data security startup Immuta is on this week’s list for a successful funding round. And cloud giant Google is on the list for the continued expansion of its data center network to meet growing customer needs for cloud applications.

Cisco Unveils Cloud Security Strategy, Cisco Plus SASE Offering

Cisco took several important security steps this week, detailing its strategy to help enterprises connect their entire security architecture through a new platform and launching the highly anticipated Cisco Plus XaaS SASE offering. (Secure Access Service Edge).

Cisco unveiled these and other security capabilities and services at this week’s RSA 2022 conference.

Cisco Security Cloud, a unified and open standards-based platform, forms the foundation of the future enterprise security architecture. The platform will include large-scale threat prevention, detection, response and remediation and will integrate with third-party technologies. It is intended to provide security in hybrid and multi-cloud environments with capabilities to securely connect people, applications and devices located anywhere.

The new Cisco Plus Secure Connect Now, a unified security and networking offering, provides partners and customers with a turnkey SASE system. Built on the Meraki platform, Cisco Plus Secure Connect Now is the latest offering in the company’s Cisco Plus strategy as a service.

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Pure Storage and Nvidia unveil the next generation of their AI-ready infrastructure

Flash storage developer Pure Storage and technology partner Nvidia this week unveiled the next generation of their AI-ready AIRI framework that combines Pure Storage’s new FlashBlade//S array with Nvidia’s DGX A100 GPU systems.

The companies said the new AIRI//S provides the compute and data storage muscle needed for heavy AI workloads.

Pure Storage and Nvidia pitched the AIRI//S as a simple, on-demand system aimed at accelerating AI initiatives, especially projects that traditionally required discrete server clusters for data analysis for development AI, model training and inference – tasks that a single system running the DGX A100 can do.

Pure also unveiled the new FlashBlade//S: at its Pure//Accelerate Digital techfest22 in Los Angeles this week. The modular version of the company’s FlashBlade file and object storage array for the first time disaggregates compute and capacity to allow customers to scale them as needed.

Additionally, Pure has decided to expand its Evergreen storage subscription service by offering customers the option to purchase separate subscriptions for the company’s hardware and software.

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Immuta Raises $100M – With the Help of Snowflake – in New Funding Round

Security and data access technology developer Immuta raised an impressive $100 million in a Series E funding round this week, bringing its total funding to $267 million.

The round was led by venture capital firm NightDragon. But it’s also worth noting that Snowflake Ventures, the venture capital arm of data cloud company Snowflake, was a new investor in Immuta.

The funding comes as Immuta prepares to accelerate the rollout of its technology across all major cloud platforms. The company intends to apply the new funding to potential acquisitions, research and development, expanding sales and marketing teams, and deepening strategic partnerships within the ecosystem. cloud data.

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Palo Alto Networks Launches New “Autonomous SOC” Technology

Cisco wasn’t the only company making big announcements at the RSA conference this week. At the event, Palo Alto Networks said it has developed “autonomous SOC” technology that will make security operations centers more automated and less dependent on humans.

Speaking at the conference, Palo Alto Networks Founder and CTO Nir Zuk (pictured) said the company was working with about 10 early design partners who installed the new technology in their SOCs.

Zuk said the system relies on AI and machine learning technology — and less on human surveillance — to detect and prevent cyberattacks. Palo Alto Networks uses the new system in its own SOC where it has significantly reduced the number of duplicate alerts about possible security vulnerabilities.

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Google Cloud Accelerates Data Center Push With New Texas Facility

Google Cloud launched a new data center in Dallas this week, marking the company’s 11th region in North America and its 34th availability zone worldwide.

The new Dallas facility is part of Google Cloud’s $9.5 billion commitment to increase its data center footprint, a key part of Google Cloud’s cloud computing growth strategy that also includes a cybersecurity roadmap, redesigning the Google Cloud Marketplace, and eliminating channel partner conflicts.

The new Dallas data center will strengthen Google’s ability to support high-performance partner and customer applications and workloads and improve service availability and business continuity.

Customers can integrate their on-premises workloads with the data center using Cloud Interconnect or multi-cloud options using Anthos. They also have access to systems such as Google Kubernetes Engine, Cloud Storage, Persistent Disk, Cloud SQL, and Cloud Identify.

Mortgage rates on the rise, but relief on the horizon

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And the pendulum continues its powerful momentum…

After two weeks of declines, Freddie Mac reported that the 30-year Fixed Rate Mortgage (FRM) averaged 5.23% for the week ending June 9, 2022, up from last week when it averaged 5.09%. A year ago at this time, the 30-year FRM averaged 2.96%.

“After little movement over the past few weeks, mortgage rates have risen again due to increased economic activity and incoming inflation data,” said Sam Khater, chief economist at Freddie Mac. “The housing market is incredibly rate sensitive, so when mortgage rates suddenly rise, demand falls again. The significant drop in buying activity, combined with the increased supply of homes at sell, will cause price growth to decelerate to more normal levels, offering some relief to buyers still interested in buying a home.

And the rate hike comes with an expected decline in mortgage application volume, as the Mortgage Bankers Association (MBA) reported that application volume fell to a 22-year low this week, falling by 6.5% week over week.

“Mortgage applications declined as purchases and refinances saw activity decline,” said Realtor.com Senior Economist and Director of Economic Research George Ratiu. “Median-priced homebuyers are looking at a monthly mortgage payment 55% higher than a year ago, adding $695 more to their monthly expenses. Compounding those pressures, nearly 20 states have average gas prices above $5 a gallon, pushing living costs to new heights, especially as employers insist on bringing workers back to offices.

Freddie Mac also reported that this week the 15-year FRM rose, on average 4.38% (averaging 0.8 points), up from last week when it averaged 4. .32%. A year ago at this time, the 15-year FRM averaged 2.23%. The five-year Treasury-indexed hybrid variable-rate (ARM) mortgage also rose this week, averaging 4.12% (with an average of 0.3 points), up from last week. where it averaged 4.04%. A year ago at this time, the five-year ARM averaged 2.55%.

“For many Americans looking for affordable housing, mid-size cities remain a viable alternative, especially as the number of homes for sale has increased, providing new options,” Ratiu said. “The overriding challenge is balancing the ability to find a home at a good price, which often means traveling further from city centres, with the potential need to get to an office. It is up to companies to maintain the flexibility of a workforce that is squeezed from all sides at once, or risk losing employees. The economic outlook depends heavily on the well-being of the American consumer.

Consumers’ outlook for the US economy remains bleak, however, as the latest Fannie Mae Homebuying Sentiment Index (HPSI) remained relatively flat in May – falling just 0.3 points – but closing in on from its 10-year, pandemic low of 63.0 recorded in April 2020. The HPSI measures consumers’ home buying sentiment from Fannie Mae’s National Housing Survey (NHS) in a single figure, measuring their current views and forward-looking expectations regarding housing market conditions. The IPSH found consumers were still concerned about housing affordability, with the ‘Right time to buy’ indicator hitting a new low in the survey, with 79% of respondents saying now was a bad time to buy. to buy a house. Seventy percent of HPSI respondents expect mortgage rates to continue rising over the next year.

“Consumer expectations that their personal financial situation will worsen over the next year hit an all-time high in the May survey, and they expressed greater concern about job security” , commented Doug Duncan, Senior Vice President and Chief Economist at Fannie Mae on the latest HPSI. readings. “Furthermore, respondents’ pessimism about home buying conditions continued into May, with the percentage of respondents saying it’s a bad time to buy a home hit a new high. proportion of people saying it’s ‘easy to get a mortgage’ also fell across almost all segments.”

Nigeria drops the ball on testing population for COVID-19

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Théophile Abbah and Daniel Adaji

Testing for COVID-19 has dropped dramatically, according to weekly reports from the [i]Nigerian Center for Disease Control (NCDC) which show continued declines in fewer and fewer test records in most of the 36 states and the Federal Capital Territory (FCT). For example, for the week that ended April 17, 2022, 18 states recorded single-digit testing for seven days, indicating that many laboratories licensed to test Nigerians for COVID-19 were inactive in those states. States. From March 6 to April 17, 2022, the number of Nigerians tested for the virus across the country decreased, as shown in the graphs below:

Since February 2020, when COVID-19 broke out in Nigeria, a total of nearly 256,000 cases and 3,143 deaths have been recorded, according to NCDC data. The highest cases of 22,562 and 220 deaths were recorded in Lagos State, followed by 10,291 cases and 202 deaths in neighboring Oyo State. Other high incidence states are Edo (7,694 cases and 321 deaths), FCT (6,385 cases and 82 deaths) and Delta (5,369 cases and 111 deaths). However, these figures are believed to be just the tip of the iceberg due to the low rate of testing for COVID-19 across the country.

In terms of testing trends, it has gone from 1.4 million people tested in January 2021 to as few as 241,174 in the month of April 2022. The drop in testing rate affects the credibility of the number of COVID-19 cases reported in Nigeria. Our World in Data, which produces countries’ 7-day rolling average data on COVID-19, says of Nigeria that “due to limited testing, the number of confirmed cases is lower than the actual number of infections” . Its interactive chart on COVID-19 in Nigeria is expected to inexplicably rise and fall in COVID-19 cases, which can be attributed to random testing for the virus. This downward trend demonstrates the complacency of the government and the institutions vested with the responsibility of carrying out the tests. With a population of approximately [ii]211 million, the test rate of 5,152,011 million is just over 2% of people who should be targeted for preventive testing.

Compared to Nigeria, South Africa has tested as many as 24,885,511, about 40% of its population of 60,756,135. Another African country, Egypt, with a population of 106 million , actually tested 1,318 per million. Both countries have left Nigeria behind in the global citizen test for COVID-19.

However, in Nigeria’s strategy document to combat COVID-19, the government identifies testing as an important element, and the NCDC[iii] recognizes it thus: “Diagnostic tests are an essential response strategy to interrupt the transmission of the COVID-19 pandemic by informing patient care and identifying positive cases, which can then be isolated. The Federal Ministry of Health has prioritized testing as one of the key interventions in Nigeria’s COVID-19 response. In order to quickly contain the outbreak, the Government of Nigeria plans to rapidly expand diagnostic testing to cover all 36 states plus the FCT. The low testing rate contradicts the content of the government’s strategy document.

Testing has been scientifically proven to be critical in containing and mitigating the COVID-19 pandemic, as diagnostic testing helps prevent further person-to-person transmission. With a low rate of testing, NCDC data on the number of infected Nigerians cannot be relied upon as thousands of people may be living with COVID-19 but unaware of it. The World Health Organization estimates that only one in seven COVID-19 infections are detected in Africa. The number of undetected cases not only increases the chances of infection between individuals, but means the virus is likely to spread unnoticed and under-reported.

Why testing is weak in Nigeria

Laboratory scientist Dr Ifeanyi Casmir attributes Nigeria’s low COVID-19 testing rate to the framework put in place, which prioritizes testing in private sector-owned labs over government-owned labs . He argued that owners of labs for COVID-19 testing have raked in billions of naira from inbound and outbound international travelers who are forced by Nigerian authorities to present negative test results for the virus.

He said: “I have proposed that COVID-19 testing should be an integral part of our medical screening and be routine, so that if anyone reports possible cases of colds or malaria in Nigeria, they should be tested for COVID-19. free. As things stand, testing for the virus is not affordable. It costs between N40,000 and N50,000 to perform the molecular tests, which is suspicious. To cover more grounds, testing should be free. This is what is done in [iv]Cameroon. The reality is that COVID-19 has come to stay with us, so testing should be routine. This is all happening because Nigeria’s Medical Laboratory Science Council is asleep. The council is vested with the responsibility to assess and evaluate the laboratory testing centers in Nigeria.

The National Secretary of the Society for Scientists in Infectious Diseases in Nigeria, [v]Dr Solomon Chollom told reporters in March that Nigeria’s testing capacity was compromised by the deployment of low-throughput platforms compared to the use of high-throughput platforms.

He said, “Other possible reasons are the weakness of the surveillance and contact tracing system, the lack of motivation of health professionals and the preponderance of negative publicity that characterized each stage of the response.

A health economist, Dr Abigail Banji, also argued in March that for Nigeria to continue to fight COVID-19 effectively, all relevant agencies must “intensify vaccination, advance rapid self-testing of COVID-19 antigen, access COVID-19 treatment and promote public health and social measures.

She warned that although new COVID-19 cases and deaths were down globally, the pandemic was far from over. “Many countries still have high rates of hospitalizations, deaths, low vaccination coverage rates and high transmission. Nigeria is included. The threat of a new, more dangerous variant remains very real.

The low testing rate appears to have led to the perception that there is a low risk of COVID-19 in Nigeria. Indeed, those who fall ill have no opportunity to get tested for COVID-19 because laboratories are not readily available or the cost is prohibitive. The main method available is molecular testing which, although producing accurate and more reliable results, is expensive, with a relatively long turnaround time of 3-4 days.

“How to speed up testing”

In order to increase COVID-19 testing in Nigeria, virologist Professor Oyewole Tomori advocated for a switch from PCR to rapid tests, which are cheaper and affordable because, with rapid testing instruments, people individuals could even test themselves for the virus. “We need to adopt rapid tests urgently as we need to know the status of Nigerians at a time when several countries are recording cases of new variants of COVID-19. In southern Africa, for example, about five variants of Omicron have already been discovered. If Nigerians are not tested, we cannot detect if we have any of these variants here. With the lull in testing, we feel like Nigeria is out of COVID-19; it is totally false.

Apart from purchasing facilities for rapid testing for COVID-19, Prof Tomori said the National Primary Health Care Development Agency (NPHCDA), responsible for immunization, must devise strategies to ensure that more Nigerians have access to the vaccine, as soon as possible. “We are getting a deluge of vaccines, but Nigerians are not taking them. In the end, many vaccines will expire and be wasted. It’s a tragedy, as far as I’m concerned. »

Data obtained from ONE.org, an Africa data aggregation company, indicates that in April 2022, [vi]Nigeria had received 68.1 million doses of COVID-19 vaccines, but only about half of that amount, 34 million, was used. For vaccination, only about 16.5% of the population was covered, while only about 6.3% of Nigerians received the two doses of COVID-19 vaccines.

However, PHCDA chief executive Dr Fasail Shuab says his organization is not giving up on vaccinations. “We continue to vaccinate Nigerians. Right now, we’re at a point where we’ve surpassed a daily vaccination rate of over 230,000. Last time we got the report, the daily vaccination rate was around 210,000. So, more Nigerians are coming out to get vaccinated. The majority of those wishing to be vaccinated are potential travellers, who are required to present COVID-19 vaccination certificates at exit and entry points.

Dr Ifedayo Adetifa, executive director of the NCDC, did not respond to the inquiry into what his agency is doing to speed up testing, but his office responded to a WhatsApp message, saying: “It has already been established that the Nigerians’ perception of the risk of COVID -19 is generally low, so, in turn, testing will be low. We have made efforts to ensure that states have adequate laboratory supplies and that the use of rapid test kits is scaled up. »

There are around 140 testing centers across Nigeria. However, the [vii]The NCDC’s update for the week ending April 17 shows that 60 of them had no tests or undeclared test results, while many of the test centers that conducted tests COVID-19 have reported between one and two digits of tests for this week.

This piece was produced in partnership with the ONE campaign, a global campaign and advocacy organization. For more on the impacts of conflict, climate change and the impacts of COVID in Africa, subscribe to ONE’s Aftershocks Newsletter Where explore data.

[i] Nigeria Center for Disease Control (ncdc.gov.ng)

[ii] Nigeria population growth rate 1950-2022 | MacroTrends

[iii] COVID19TestingStrategy_2ZWBQwh.pdf (ncdc.gov.ng)

[iv] N50,400 for COVID-19 test in Nigeria, free in Cameroon — Sport — The Guardian Nigeria News – Nigeria and World News

[v] https://von.gov.ng/2022/03/16/only-2-1-per-cent-of-nigerias-population-tested-for-covid-19-ncdc/

[vi] ONE Africa COVID-19 Tracker – Nigeria

[vii] Nigeria Center for Disease Control (ncdc.gov.ng)

North Melbourne Kangaroos, priority pick, roster analysis, draft current order, departure of recruiting staff, Ben Amarfio CEO, David Noble, David Zita

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How bad is that?

That’s the question the AFL will ask about North Melbourne should the club apply for a priority pick at the end of the season.

If such a question seems too broad, that’s because it is; the AFL overhauled the system in 2012 after a more concrete formula led to concerns that clubs might bank for extra reward in the draft.

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THE PROGRESS OF ROOS

The new system relies on both the executive and the league committee once a priority pick request is submitted.

North Melbourne won’t officially table a priority pick offer until (if at all) after the season; accommodating one earlier would be tantamount to canceling the rest of the year.

It’s a message the club simply cannot afford, even though those outside have already done so and even though at least fleeting conversations have taken place involving some of Arden Street’s top brass.

From the AFL’s perspective, weighing a request for priority selection from the Kangaroos is well and truly far down its list of agenda items.

If and when this request is filed, however, precedent will be king in the decision-making process.

In a statement to foxfooty.com.au on the possibility of requesting a priority pick, North Melbourne CEO Ben Amarfio said: “Like the salary cap and the draft, priority picks have been used as a tool of effective equalizer by the AFL, so I understand the interest for us to apply for them, especially given the history of picks awarded to several other clubs in similar or better positions than us currently.

“However, we remain positive and are not giving up the prospect of a few wins.

“I know the players and coaches are working hard and we’re looking forward to getting some players back and seeing the development of our talented youngsters in defence.”

PREVIOUS IS KING

The key line may well refer to “several other clubs in similar or better positions than us currently”, suggesting that the precedent is indeed there for North Melbourne.

Looking at the math, it’s not hard to see how a strong case could be presented.

Ahead of Round 13 and then a well-deserved goodbye, North Melbourne’s win-loss record over the past two-and-a-half seasons is eight wins, one draw and 41 losses.

The team percentage is 52.34, which since 1969 is the fourth worst after 12 rounds.

He also holds the lowest ‘points for’ average ever at this stage of the season, at 55.9.

Those are staggering numbers and they are worse placed than the Gold Coast Suns – the last team to be given priority picks.

At the time, in 2019, it was dubbed an “assist package” and came after the Suns won seven games in two seasons and went nine seasons without a Finals appearance (North’s last Finals appearance). Melbourne took place in 2016).

It consisted of the first pick of the 2019 draft (the Suns took Matt Rowell with that pick and Noah Anderson with the No. 2 pick), the first second-round pick, a first-round pick midway through the 2020 draft and the first pick in the second round of the 2021 draft.

It also included Academy roster and zoning benefits, capping an extraordinary suite of concessions.

North Melbourne, clearly, will not be granted such a package, given the Suns’ infancy and the huge investment the AFL has in the team to gain a foothold in a lucrative market that is not yet. fully capitalized.

Rowell and Anderson went to the Suns with the top two picks of the 2019 National Draft (AAP Image/Scott Barbour).Source: AAP

BEST CASE FOR A CHOICE

A more comparable situation might be the Brisbane Lions in 2016, who received the No. 19 pick after seven wins in the previous two seasons and seven seasons without a final.

North Melbourne manager David Noble will be acutely aware of the benefits a priority pick can create, given he was appointed as Lions boss of football towards the end of that year.

The Lions traded the No. 19 pick less than two weeks after receiving him, using him with defender Pearce Hanley to secure the No. 22 pick from the Gold Coast Suns and a future first-round selection from Port Adelaide.

The No.22 pick was used on Cedric Cox, who managed just 13 AFL games, but this Port Adelaide pick (No.12 pick) was used to secure Adelaide’s Charlie Cameron.

Noble has publicly stated in 2021 that he will be open to Roos looking for a priority pick and it’s easy to see why, given how this has helped improve the Lions roster management strategy during his stay there.

Lions great Jonathan Brown, who retired two years before the team got the pick, sees the similarities between his former club and the Roos.

“They were in a bit of a conflict and obviously you have the other factor for the AFL, you’re in a border area and you’re trying to develop the game, so it’s important that your teams up there are competitive,” he said. he told foxfooty.com.au.

“North, however, is likely in a similar situation where he may not be relevant. I think it’s more than justified, a priority choice.

Some would say the team below them might have a case for a priority pick given the Eagles’ annus horribilis, but a team that made the final two years ago and won a flag ago four years simply cannot be considered for such a concession – not yet at least.

Kevin Sheedy “Opening old wounds!” | 00:42

EVALUATE MADE LIST CALLS

Those who would dispute North Melbourne’s credentials for a priority pick would likely argue that this team voluntarily emptied its roster at the end of 2020, parting ways with an unprecedented 14 players before nine more players remained at the end of last season. .

Yet the club would say they could not have predicted a cancer diagnosis for their best player in Ben Cunnington, any more than they could have predicted a bout of glandular fever which sidelined their choice. #3 of 2020 to Will Phillips.

They have tried to solve the short-term problems via the acquisition of Hugh Greenwood and mid-season signing Kallan Dawson could well make his AFL debut in the near future as the team try to strengthen their defense in the absence of Robbie Tarrant. .

While the roster isn’t in great shape based on the form on display, it would take a bold pundit to claim the Roos dumped it – the team’s inability to land a proper star at the table. trading has become something of a running joke for football fans, but the mouth-watering numbers offered to players like Josh Kelly and Dustin Martin are proof that the club have at least tried to dig themselves out of the hole they have gradually fallen into.

It will be difficult to argue, however, that North Melbourne is blameless for the predicament it finds itself in.

Former North Melbourne and St Kilda star Nick Dal Santo was one of many veterans the club parted ways with in 2016 as they sought to transition their roster.

However, the decisions taken since then have not been satisfactory.

“Six years ago they made the right decision, I think, to get rid of me and all those older guys to start over,” Dal Santo told foxfooty.com.au, “but since then the proof before us is that they have made bad decisions since then.

“I thought it was the right decision and it was unfortunate to have been part of it, but since then there have been many bad calls for whatever reason.”

THE AFL’S GREAT ENIGMA

So the question for the AFL is whether these bad decisions amount to a “you’ve made your bed, now you’re lying in it” response, or a more encouraging response that would at least involve a concession.

“My general principle is that competition wants all teams to be competitive, it’s a much better game,” Brown said.

“I understand clubs make mistakes… but does that mean you’re doing too badly and letting them continue to be an underperforming team?

“We want all the teams to be competitive because we look at the top teams, it can be the difference between getting a higher place in the standings when some of the top teams play North Melbourne twice versus once.

“It changes the dynamic of the top eight.”

AFL Footy Fight Night: Full Presser | 11:11

STATE LEAGUE CONCESSIONS

Another tool up the AFL’s sleeve is state league concessions, though these have had mixed results; take Carlton and Gold Coast in 2018.

Both teams at the end of this season did not get priority picks despite asking.

At this point, the Blues had won only seven or fewer games for five straight seasons, while the Suns had endured four straight seasons of six or fewer wins.

Instead, both clubs were given the option of pre-selecting state league players (two for the Blues and three for the Suns), while the Suns were able to increase the size of their rookie roster.

That access, however, could still be used at the trade table, with the Blues for example trading their ‘access’ to pre-registered State League player Shane McAdam to Adelaide in a complex three-way trade involving Sydney for Mitch. McGovern.

Along with his other state league concession, the Blues secured the No. 43 pick by ‘trade’ Nathan Kreuger to Geelong.

No decision has so far reaped significant rewards, but the Suns have proven that a diamond in the rough can mean the world of difference, with one of their state league picks being Sam Collins, who quickly became a cloth player at the club.

The other two selections – Chris Burgess and Josh Corbett – have not had the same impact, underlining why ‘pure’ picks would indeed be the preference of a beleaguered club like North Melbourne at the moment.

For Brown, a pick like No. 19 in this year’s draft would be one he’s comfortable accepting.

Perhaps fans of 17 other clubs may have to accept the same appeal.

Major United States Metropolitan Areas in Transition, According to Census Analysis

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William H. Frey provides an overview of growth, diversity, segregation, and aging trends in the nation’s largest metropolitan areas, as shown by the 2020 census.

As Frey noted, the nation’s largest metropolitan areas — with 1 million or more residents — are home to six out of ten Americans, and that total is only growing as larger metropolitan areas have grown faster than smaller ones. metropolitan regions from 2010 to 2020.

“Additionally, the increased racial and ethnic diversity that characterizes the nation is particularly concentrated in large metropolitan areas and, in particular, among their youthful populations,” Frey writes.

Some other key findings from the article (which synthesizes the information presented in a report published by Brookings Mountain West), with more details provided in the source article below:

  • Major metropolitan areas have grown more slowly since 2010 than in previous decades.
  • The fastest growing metropolitan areas are in the Sun Belt
  • Cities grew faster and suburbs slower compared to the previous decade of the 2000s.
  • All major metropolitan areas have become more racially and ethnically diverse
  • Neighborhood segregation varied by metropolitan area
  • The youth population has shrunk and become more diverse

“This analysis of the 2020 census clearly shows that the period 2010-2020 represents a decade of transition for major metropolitan areas across the country,” according to Frey. This transition “does not lead to a direct forecast on [metro areas’] future prospects.”

RBA interest rate hike: suburbs to suffer as cash rate rises to 0.85%

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As the RBA raises the cash rate again, worrying maps have revealed mortgage-stressed suburbs that will be crushed by the rising shock.

The number of Australians suffering from ‘mortgage stress’ is set to soar following today’s interest rate hike, with home loan repayments set to rise again for the second time in as many months.

The Reserve Bank announced this afternoon that the spot rate would rise from 0.35% to 0.85%, an increase of 50 basis points larger than expected.

Particularly affected will be those who entered the market between November 2020 and May this year, during which time the Reserve Bank of Australia (RBA) held rate at a record low of 0.1%.

“Mortgage stress is defined as having less than 5% of ordinary income left over after covering your repayments and ordinary day-to-day expenses,” Kate Colvin, spokeswoman for the advocacy group, told news.com.au housing Everybody’s Home.

“The NSW region and outside of western Sydney will be particularly hard hit by these increases – particularly the low-income communities that stretch across the hinterland and along the NSW coast.”

According to Everybody’s Home’s interactive financial stress map, New South Wales is the most indebted state, with 70% of homes in western Sydney, Hume, Macarthur and Werriwa electorates already facing to financial stress.

Well over 50% of homeowners further inland in the regional seats of Calare, New England and Riverina are also feeling the sting of rising mortgage repayments.

However, NSW is just the tip of the iceberg, with Digital Finance Analytics director Martin North explaining The telegraph of the day that if rates were to rise above 2% (as reported by the RBA), almost 50% of homeowners nationwide would fall into mortgage stress.

“We have over four million homes out of nearly 10 million that are already close to the edge – this is an unprecedented situation,” Mr North said.

“If we assume the RBA adds 2%, or thereabouts, another 400,000 to 500,000 would likely fall into that stress category.”

Mr North said that according to DFA data, Sydney’s south-west suburb of Campbelltown was under the greatest pressure nationally, with almost five in six households under stress.

Tapping in Perth came second in numbers, with Berwick in Melbourne and Toowoomba in Queensland also topping the list.

Affluent suburbs are also feeling the sting

Higher-income areas on the east coast are also expected to feel the bite of the RBA today, with the affluent seats of Wentworth in Sydney’s east and gentrifying Melbourne also facing pre-existing levels of mortgage stress above 40%.

“Stress is also surprisingly high in these affluent suburbs, reflecting the fact that to buy property in Sydney or Melbourne now people have to stretch a lot,” Ms Colvin said.

“This trend makes people very vulnerable to these interest rate hikes and means these developments are going to cause a lot of pain in many communities.”

Ms Colvin said that in general, owners of variable rate mortgages should prepare for the impact.

“People who have brought in more recently have paid a lower interest rate for the term of their mortgage, so this will be a big step forward,” she said.

“These numbers show that people will have to cut spending because their budgets will be really stretched – and that will ripple through the economy.”

Ms Colvin warned that these economic impacts would squeeze budgets more than just less takeaways and overseas holidays.

“People end up delaying expenses that aren’t immediate but are still critically important — for example, dental visits, paying for a car service or car insurance — keeping those expenses remotely can then create more costs later,” she said.

“For wealthy families, this could mean fewer haircuts or nights out – but even that impacts flows with less revenue for companies to employ workers.”

Ms Colvin noted that the community’s vulnerability to interest rates was a preventable problem that had been dismissed for decades, but praised the incumbent government for its national housing strategy.

“The reason we have unstable housing markets is because we don’t have good policy, which is why we need the government to come up with a national housing strategy – which they have pledged to do. “, she said.

“Many political reforms are needed in Australia to bring this situation under control.

“Providing more housing security is certainly possible for people, but it will take time and effort.

Elon Musk predicts ‘population collapse’ in China

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Tesla CEO Elon Musk suggests that China could soon face a ‘population collapse’ following Beijing’s population control program which until recently had limited most families in One-offspring China.

“Most people still think China has a one-child policy,” he said. wrote in a June 6 tweet pinned to the top of his Twitter account.

“China had its lowest birth date on record last year, despite a three-child policy! At the current birth rate, China will lose about 40% of its population in each generation!” he writes, before adding the sinister note: “Collapse of the population”.

The one-child policy was instituted by the Chinese Communist Party between 1980 and 2015 with the aim of curbing a population growth rate deemed too rapid by the regime and facilitating economic growth. Borderline violators were fined, forced to undergo abortions or sterilizations, and could potentially lose their jobs.

Until its official abolition in 2016, the policy had caused some 400 million abortions, representing about 28% of the country’s 1.4 billion people, according to official statistics. It has also led to child abandonment and infanticide of baby girls due to traditional social preferences for a son.

This decades-long policy has precipitated a demographic crisis in China, marked by a rapidly aging population and falling birth rates. Faced with a looming economic crisis due to its shrinking workforce, the Chinese regime allowed two children for couples in 2016, then increased the limit to three in 2021, along with child care benefits. children, income tax and housing to support growing families.

Children play on a playground inside a shopping complex in Shanghai on June 1, 2021. (Aly Song/Reuters)

But these measures have done little to convince couples to have more children.

China’s birth rate has been falling for five consecutive years. In 2021, about 7.52 babies were born per 1,000 people, the lowest level since the regime took control of China in 1949. In contrast, the birth rate in the United States in 2021 was 12 per 1000 people.

In Guangxi Province, an autonomous region in southern China neighboring Vietnam, authorities in March began allowing married couples to have a fourth child in eight border counties.

But the latest official data from May shows that the population of at least 15 Chinese provinces or municipalities, including Beijing, has shrunk, with 11 provinces seeing declines. This included five provinces where the number of deaths exceeded births for the first time in decades.

Recent population studies indicate that the world as a whole, which currently has around 8 billion people, is facing a problem of population decline.

One, published in the medical journal Lancet, predicts that the world’s human population will peak at 9.7 billion in about four decades before it begins to decline.

“Once global population decline begins, it will likely continue inexorably,” the authors wrote in a study published in 2020.

The Lancet study predicts that by the end of this century, China will have lost 668 million people, nearly half of its current population.

Musk spoke about the consequences of declining global population growth.

CHINA-TECHNOLOGY-AI-CONFERENCE
Elon Musk (right), co-founder and CEO of Tesla, and Jack Ma, co-chair of the United Nations High Level Panel on Digital Cooperation, speak on stage during the World Artificial Intelligence Conference (WAIC) in Shanghai on August 29. 2019. (Hector Retamal/AFP via Getty Images)

He recently shared a clip taken at the World Conference on Artificial Intelligence in 2019, where Musk was seen sitting side-by-side with billionaire Jack Ma, founder of Chinese e-commerce giant Alibaba.

“Assuming there is a benevolent future with AI, I think the biggest problem the world will face in 20 years is population collapse,” he said. “I want to emphasize this: the biggest problem in 20 years will be the collapse of the population. No explosion. Collapse.”

Ma, in the video, agreed with him. “1.4 billion people in China sounds like a lot, but I think in the next 20 years we’ll see this thing will cause big problems for China,” Ma said. population will accelerate.”

“Population collapse is the greatest threat to civilization,” wrote Musk in a May 24 tweet accompanying the short clip.

Eva Fu

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Eva Fu is a New York-based writer for The Epoch Times who focuses on US-China relations, religious freedom, and human rights. Contact Eva at [email protected]

Best Medical Alert Wristbands of 2022 – Forbes Health

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Medical alert devices remain popular among seniors who live alone, as they provide a safety net in the event of an emergency. Medical alert bracelets are a particularly user-friendly type of alert device and can be useful for anyone who wants better access to emergency services. One of the most wearable types of medical alert products, medical alert bracelets also provide flexibility of movement while keeping the wearer discreetly connected.

Is it better to wear a medical alert bracelet than a watch?

Customers looking for a wearable medical alert device can consider either a wristband option or a medical alert watch. While medical alert bracelets provide a simple one-button alert system worn on the wrist, medical alert watches typically provide a touchscreen and include much more than just an “SOS” function. Modern alert watch models frequently offer health tracking apps, built-in GPS technology, and a more comprehensive suite of emergency response features. While medical alert wristbands are meant to send alerts, medical alert watches can include many of the functions and features of a smartwatch.

Choosing a watch or bracelet largely depends on individual lifestyle and preferences. Customers looking for a simpler solution might prefer the ease of use and relatively affordable price of a wristband. Customers who want the highest degree of mobility and flexibility may prefer a watch, as watches often do not have to stay within range of a base station. People who struggle with new technology or find digital interfaces difficult might consider a bracelet instead of a watch. Which is better, however, is a matter of preference and depends on an individual’s risk factors and lifestyle.

How much do medical alert bracelets cost?

Like a cell phone, a medical alert bracelet incurs costs in two ways: equipment and service. An equipment cost or fixed price covers hardware, such as the base device, help button wristband, charging equipment, and any other physical accessories. The cost of the monitoring service is often billed as an ongoing fee for the duration of use.

Equipment costs vary widely, as some companies waive these costs entirely to attract customers while others charge up to several hundred dollars for hardware and its installation or “activation”. Service costs most often range between $20 and $40 per month for a basic plan, although add-ons such as automatic drop detection capabilities can increase this subscription cost.

Farmers are encouraged to register for the next agricultural census

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All agricultural producers are encouraged to be counted in the 2022 Census of Agriculture. The last day to register for this year’s census is June 30.

“Whether you’re a large-scale operation or a small family farm, we want you to have a voice and be counted,” said Kentucky Agriculture Commissioner Dr. Ryan Quarles. “Kentucky is still a predominantly agricultural state, and the Agricultural Census creates opportunities for the agricultural industry. Being counted allows you to have a voice in the future of agriculture and our state.

The Census of Agriculture is a comprehensive count of American farms and ranches and the people who operate them. Taken only once every five years, the census examines land use and ownership, farmer characteristics, production practices, income and expenditure.

The information collected during the census is the main source of uniform and complete agricultural data for each state and county or county equivalent. The data is used by everyone who serves farmers and rural communities – federal, state and local governments, agribusinesses, trade associations and many more.

Quarles said farmers and ranchers can use the data to make informed decisions about the future of their own operations. Businesses and cooperatives use the data to determine where to locate facilities that will serve agricultural producers. Community planners use the information to target needed services to rural residents. Legislators use census data when developing agricultural policies and programs.

Last conducted in 2017, the census showed the market value of Kentucky agricultural products sold was $5.74 billion, up 13.2% from the previous agricultural census in 2012. The market value of livestock and poultry sold in 2017 was $3.2 billion, and the market value of crops sold was $2.54 billion. Net cash farm income in 2017 was $1.58 billion.

Farmers who have never received a census and are new to National Agricultural Statistics Service (NASS) surveys can register here to be counted. You do not need to register if you already receive surveys from NASS.

The information collected during the census is confidential. NASS is required by law to use the information only for statistical purposes. NASS only publishes aggregated data, not individual or farm-specific data.

Bong Go comforts the victims of the Taytay fire

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SEN. Christopher Lawrence “Bong” Go

SEN. Christopher Lawrence ‘Bong’ Go helped victims of the fires in Taytay, Rizal as he urged those in need of medical help to come to the Malasakit centre.

The senator’s office provided emergency aid to residents of Barangay Dolores in Taytay after a major fire broke out in the village on May 28.

“Let’s help each other and we will overcome this crisis as united Filipino citizens,” Go said in a video call.

His team held the relief activity at the Golden City Indoor Field on June 2.

They provided food parcels, vitamins and shirts to a total of 77 families. They also distributed masks to prevent the spread of Covid-19.

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Selected residents received new pairs of shoes and bicycles for their commuting needs.

Tablet computers were also given to children to study better as part of the blended learning approach, while some received basketballs, volleyballs and watches.

Representatives of the Department of Social Welfare and Development provided separate financial assistance as part of the national government’s relief measures for those affected by crisis situations.

Meanwhile, the National Housing Authority has been assessing who is eligible for its housing schemes.

As chairman of the Senate Committee on Health and Demographics, Go pledged to continue to work closely with the government to protect the health and well-being of Filipinos by expanding access to health care. affordable health.

He encouraged the sick and the elderly to go to the nearest Malasakit center where they can easily avail the medical assistance programs offered by the government.

He said the main objective of the Malasakit center is to reduce a patient’s hospital bill to the lowest possible amount by covering various services and expenses.

There are currently 151 centers nationwide, the closest of which are located at Schedule 4 of the Antipolo City Hospital System, Casimiro A. Ynares Sr. Memorial Hospital in Rodriguez, Municipal Hospital of Bagong Cainta and Margarito A. Duavit Memorial Hospital in Binangonan.

Maharashtra to conduct first-ever dolphin population estimate in MMR coastal waters

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The Maharashtra government will conduct the first-ever dolphin population estimate in the coastal waters of the Mumbai Metropolitan Region (MMR). A recent pilot study in South Mumbai, Backbay, resulted in 27 sightings of Indian Ocean humpback dolphins, prompting the state to conduct a detailed MMR survey.

Sanctioned by the Maharashtra State Mangrove Foundation, a preliminary research exercise was conducted by the Coastal Conservation Foundation (CCF) which determined the population and habitat use of Indian Ocean humpback dolphins in the region of Backbay south of Mumbai.

The study was conducted between Haji Ali Bay and Raj Bhavan and in the Back Bay, between April 14 and May 11 this year. The study confirmed 27 dolphin sightings with the largest pod comprising six individuals, including juveniles and sub-adults.

The project’s lead researcher, Shaunak Mod, along with cetacean ecologist Mahi Mankeshwar and marine enthusiast Pradip Patade used a total of seven boat surveys to observe the dolphins. “This rapid assessment gave us a preliminary idea of ​​the distribution of dolphins in the study area and the different ways they use the habitat,” said Mankeshwar, who previously worked in the Andaman and Nicobar Islands. on marine mammals.

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Several sightings of Indian Ocean humpback dolphins have been recorded near the coast of Mumbai – Sassoon Pier, Versova and Madh Pier and Bandra Worli Sea Link, among others. These dolphins usually live in shallow coastal waters.

Virendra Tiwari, another senior chief forest conservator, Maharashtra Mangrove Cell, said: “There have been reports of roaming dolphin sightings along the Mumbai coast from Manori, Versova stream areas to Nariman Point. , Marine Drive and towards Alibaug for some time now. . However, no population estimates or analyzes of their habitat use have been done before. The study will start after the monsoon through MMR.

Humpback dolphins are known to travel in groups called pods and it is rare to spot a single dolphin near the coast. Dolphins are an endangered cetacean species, protected under Schedule I of the Wildlife Protection Act 1972. Mumbai’s waters are known to be home to at least two cetaceans – the Indian Ocean humpback dolphin (Sousa plumbea) and the Indo-Pacific finless porpoise (Neophocaena phocaenoides), according to anecdotal sightings and strandings. documented.

Researchers around the world have highlighted how climate change is directly influencing the habitat of Indian Ocean humpback dolphins, leading to changes in navigation and feeding patterns.

Tiwari added: “These dolphins are also biological indicators and their behavior and the environmental conditions in which they survive will also reveal more details about the climate impacts they are exposed to and the interventions we can put in place.

Registration for the 2022 Census of Agriculture closes June 30

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If you are a producer and want to participate in the 2022 Census of Agriculture, you have until June 30 to register. Taken only once every five years by the USDA’s National Agricultural Statistics Service (NAAS), the census provides a comprehensive count of America’s farms and ranches and the people who operate them.

NASS will mail Agricultural Census survey codes to registered growers in November, so they can respond securely online. In addition, a hard copy of the survey will be sent out in December.

The Census of Agriculture has been conducted for over 180 years and serves as complete and unbiased agricultural data for the nation. All operations are included, regardless of size or location, provided that at least $1,000 of agricultural products are sold or would generally be sold in a year.

“The Census of Agriculture is a collective voice that tells the story and value of American agriculture,” said Barbara Rater, director of the Census and Surveys Division at NASS. “Data influences action and informs policy and program decisions that directly impact producers, their operations, and everyone they touch – and that’s all of us.”

Producers can find frequently asked questions, explore past and current agricultural census data, learn about agricultural census special studies, and access other agricultural tools on the NASS website at nass.usda.gov/AgCensus.

Sega unveils Mega Drive Mini 2, and it will include 50 Mega Drive games and Mega CDs

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Sega has unveiled Mega Drive Mini 2, its latest retro mini console.

Last week, Sega hinted that it had a big “new project” to share with us this week, teasing that the show will apparently include guest appearances from Hiroyuki Miyazaki and Yosuke Okunari. Given the guests, it wasn’t a stretch to assume the secret new project might have something to do with a new retro Sega console – and it turns out that’s exactly what Sega was teasing.

As of now, we don’t have any information on English social media, but the reveal has been posted on Sega Japan’s official YouTube channel, which you can check out below:


The Mega Drive Mini 2 will include 50 Mega Drive and Mega CD titles, including Sonic CD, Virtua Racing and Fantasy Zone (thanks, NintendoLife). Other games confirmed so far include:

  • Bonanza Bros.
  • Fantasy area
  • magic tarur to kun
  • Mansion of Hidden Souls
  • Popful Mail
  • Brilliant Force CD
  • shine in the darkness
  • Silpheed
  • sonic cd
  • Thunder Force IV
  • Virtual race

Although there is no confirmation yet that the mini system will come to fans outside of Japan, Sega has confirmed that Mega Drive Mini 2 will be released to Japanese fans on October 27 and will cost ¥9,980, or around £60.

John from Digital Foundry was a huge fan of the original Mega Drive Mini.

“There’s so much to love about this product, from the brilliant recreation of the machine itself, to the excellent emulation and a simply stellar range of games,” he wrote. “Audio delay, input lag and scaling quirks prevent this from achieving absolute perfection – but for the purists there’s always the Analog Mega Sg for absolute authenticity.

“However, for a product aimed at recapturing the magic of a very special era of console gaming, it’s just superb. If you grew up on Sega’s 16-bit machine but haven’t played it since a while, it’s a must-have release – and possibly the best retro mini console yet.”

VA officials lag behind goal of housing 38,000 distressed vets this year

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Veterans Affairs officials are behind schedule on their goal of placing 38,000 veterans in permanent housing this year, and the coronavirus is once again to blame.

In remarks to the annual conference of the National Coalition for Homeless Veterans on Friday, VA Secretary Denis McDonough said the department remains committed to the goal, first announced earlier this year. as a way to reinvigorate outreach efforts for homeless veterans after the national pandemic.

“We should be a third of that target now, but I think we’re at around 29 per cent,” he said. “So we are late. I was worried about this as we knew from the start that we might fall behind as January was a tough month with the Omicron [variant of Covid-19].”

Covid-19 cases rose across America in the first few months of 2022. Veterans Affairs officials have seen daily active cases in the medical system drop from around 10,000 in mid-December to nearly 78,000 in mid-January.

Housing advocates at this week’s conference noted that two years of pandemic restrictions have had a significant impact on their operations, but many hope that significant gains can be made to help homeless veterans as these challenges are fading.

And McDonough said he was also optimistic, though he noted that reaching more veterans will take the dedication of his department and community partners.

“By putting 38,000 veterans into permanent housing, we’re not just going to try to do that,” he told a crowd of several hundred defenders. “We’re not going to set process goals to help us get there. With your help, this year we will…

“We cannot prevent veteran homelessness in this precarious economy without you, because this fight against veteran homelessness takes us all across the country.

McDonough said his remarks on the economy referenced inflation and rising housing costs, two other challenges conference attendees have been discussing in recent days.

In 2020 — the last year a full count was made by federal officials — the estimated number of homeless veterans was around 37,200, down about 6% from the previous year.

Authorities have seen a 10% drop in the number of veterans using emergency shelter services from 2020 to 2021, but it is unclear to what extent this is due to their improved housing situation or to concerns about the use of public facilities amid coronavirus outbreaks.

McDonough said not all veterans hoping to help this year are currently without stable housing.

In some cases, people currently living in transitional settlements will benefit from the moves. In other cases, advocates will provide assistance to people before they become homeless.

“We have pretty good data to know who is at risk of becoming homeless and can reach them,” McDonough said.

McDonough added that he expects an update from senior executives on progress toward the 38,000 people goal in the coming weeks.

Leo covers Congress, Veterans Affairs and the White House for Military Times. He has covered Washington, DC since 2004, focusing on military personnel and veterans policies. His work has earned him numerous accolades, including a 2009 Polk Award, a 2010 National Headliner Award, the IAVA Leadership in Journalism Award, and the VFW News Media Award.

Total number of displaced people in Myanmar tops 1 million, says UN – The Diplomat

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Beat ASEAN | Company | South East Asia

According to the UN humanitarian agency, 694,000 people have been displaced by the conflict since last year’s coup.

Displaced people from Myanmar help each other to transport donated items across the Moei River from the Thai side to Myanmar, in Mae Sot, Thailand on February 7, 2022.

Credit: AP Photo

The number of displaced people in Myanmar has topped one million for the first time as conflicts stemming from last year’s military coup continue to widen and deepen, the agency said yesterday. United Nations humanitarian relief.

According to the latest humanitarian update from the United Nations Office for the Coordination of Humanitarian Affairs (OCHA), some 694,000 people have been displaced by the conflict and insecurity resulting from the disastrous army takeover last February. . This represents an increase of 127,900 since OCHA’s previous update in mid-April.

The report, which covers the period up to May 26, says that of this group of 694,000 people, thousands were forced to move for the second or third time, while around 40,200 people crossed the borders to neighboring countries. An additional 346,000 people are estimated to have been displaced by fighting before last year’s coup, mostly due to long-running conflicts between the military and ethnic armed groups that have been fighting for their autonomy for decades. vis-à-vis the central state.

OCHA also estimates that 12,700 properties, “including homes, churches, monasteries and schools”, have been destroyed since the coup, compared to 8,262 in the latest update.

The military takeover last year ended a decade of limited openness, provoking a fierce response from Myanmar’s people and stoking simmering conflicts with armed ethnic groups on the country’s periphery. After security forces violently suppressed mass protests, opposition reemerged in the form of dozens of locally-based People’s Defense Forces (PDF) that launched a collective armed uprising against the coup government.

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According to the update, the already dire situation has been exacerbated by an escalation in fighting between the junta and its opponents. “Various regions of Myanmar have witnessed an escalation in fighting, further worsening the already fragile humanitarian situation,” the update said. “The impact on civilians is worsening every day with frequent indiscriminate attacks and incidents involving explosive hazards including landmines and explosive remnants of war.”

The effects of the conflict are compounded by rising commodity prices, including food and fuel, and the onset of the monsoon season, “causing damage to shelters and further exacerbating existing vulnerabilities”.

OCHA added that funding for UN relief efforts is “catastrophic” and that funding for the 2022 humanitarian response plan is only 10% funded, with a shortfall of $740 million. “All clusters are severely underfunded, threatening their ability to meet growing needs and response gaps,” the report said.

OCHA’s humanitarian updates are rarely fun to read, but the latest report paints a particularly grim picture of Myanmar’s trajectory, more than 16 months after the coup. With the clashes between the military junta and its loose coalition of opponents, and no negotiated resolution to the crisis likely in the foreseeable future, it’s likely that the next update, due later this month, will carry the same bad – or even worse – news.

ASCENT AEROSYSTEMS’ SPIRIT PLATFORM JOINS BLUE UAS DIU APPROVED LIST

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“We’ve been shipping spirits since 2020, and our customers around the world have come to appreciate the robust versatility it offers,” said Paul Fermo, Vice President of Business Development. “We are delighted that government and municipal customers can now get the systems they need with just a few mouse clicks.”

The DIU Blue UAS program was created to provide a comprehensive verification process for certain unmanned aerial systems. By eliminating duplicate approval processes across various branches of government and defense agencies, operators and manufacturers can quickly get systems into the field where they are needed.

“Government agencies cannot choose when and where they fly,” said Peter Fuchs, CEO. “The coaxial configuration of the Spirit provides the compact, high-performance, all-weather capability needed for these critical applications. Its modular design allows operators to not only configure it exactly as needed for the mission at hand, but also easily adapt new sensors as they become available.”

The company currently has spirits available for immediate delivery, and delivery positions are being accepted for additional units slated for shipment beginning in August.

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Ascent AeroSystems’ compact, all-weather, high-performance unmanned aerial systems are designed and built in the UNITED STATES. Based on patented coaxial technology, they offer unparalleled versatility and are the ideal platforms for mission-critical operations and system integrators in public safety, industrial, government and enterprise applications.

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SOURCEAscent AeroSystems

People in North Macedonia are poorly educated, according to census data

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People in a cafe in Skopje, North Macedonia, April 28, 2021. Photo EPA-EFE/GEORGI LICOVSKI

More than 508,000 people in North Macedonia, more than a quarter of the population of 1.8 million, have had no formal education or started but did not complete high school, according to data on education and literacy census conducted last year.

Data recently released by the Office for National Statistics shows that over 23,000 people, or 1.5% of the population, have no formal education and over 62,000, or 4.1%, have no finished primary school.

A more worrying figure of 423,000 people have only completed primary school.

The head of the Statistics Office, Apostol Simovski, said the gap between education levels in urban and rural areas could explain the figure.

“We in [the capital] Skopje only sees a narrow picture, but if we look further, and I’m talking about rural areas, we will see many mature groups of people there who don’t have much education but are alive and well,” said Simovski.

He added that some of that number are still in school.

“The data refer to people over 15 years old. So there are many who have not finished high school but are in the process of doing so. [of doing so]. This should be taken into account,” Simovski said.

Recently published data reveals that about 19,000 people, or 1.2%, are illiterate. More than 13,000 of them are women.

With regard to higher education, the data shows that only 17% of the resident population has completed a university or university education.

Simovski said that number may actually be higher, but many of the more educated citizens have left the country and are therefore not represented in the data.

“We are producing graduates but that number is only [relevant] for the resident population. The vast majority of young people intend to leave. That’s why the percentage of highly educated people is so low,” he said.

Other data supports this claim, revealing a severe shortage of highly skilled professionals and scientists. Some 698 positions in these fields are vacant, no doubt a high number for such a small country.

After numerous delays over the past two decades, the country finally conducted a census in September last year and released the first data in March.

Since then, the State Statistical Office periodically releases batches of data on different areas of interest.

NAHB urges lawmakers to implement policy to improve housing affordability

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As the National Association of Home Builders celebrates National Homeownership Month in June, builders are urging lawmakers to implement policies that will help improve housing affordability, calling for resolution on supply chain disruptions and the end of Canadian timber tariffs.

Prices for building materials are up 19.2% year-on-year and 35.6% since the start of the pandemic, according to the latest Producer Price Index report released by the Bureau of Labor Statistics. Additionally, tariffs on Canadian lumber shipments to the U.S. and production bottlenecks have fueled lumber price volatility, which has added more than $18,600 to the price of a new home since last August.

“The supply chain crisis and lumber prices in the housing industry are putting the American dream of homeownership out of reach for families,” said NAHB President Jerry Konter. “Home builders need access to reasonably priced lumber to build a home the average working family can afford.”

In April, more than 10,000 NAHB members from all 50 states, the District of Columbia and Puerto Rico sent a letter to President Biden calling on the White House to take immediate action to address the growing affordability crisis. housing.

The following month, the Biden administration released a “housing supply action plan” to alleviate high housing costs by increasing the supply of quality housing across the country over the next five years. Homebuilders say the plan doesn’t go far enough to address the industry’s many underlying challenges, including rising costs for lumber and other building materials and the broader supply chain crisis. ‘supply.

“Ending tariffs on Canadian lumber shipments will allow builders to build more affordable entry-level housing, provide quality rental housing and strengthen the national economy,” Konter said.

New home sales posted a double-digit percentage decline in April, falling to their weakest pace in two years, as rising mortgage interest rates and deteriorating affordability conditions continue to weigh on the housing market.

Health vs. Public Opinion: How to Navigate and Respond to the Hesitant Population – The European Sting – Critical News & Insights on European Politics, Economy, Foreign Affairs, Business & Technology

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(Credit: Unsplash)

This article was written exclusively for The European Sting by Mr. Martin Duranik, 3rd year medical student at Pavol Jozef Safarik University, currently VPE SloMSA Slovakia. It is affiliated with the International Federation of Medical Students’ Associations (IFMSA), a cordial partner of The Sting. The opinions expressed in this article belong strictly to the authors and do not necessarily reflect the views of IFMSA on the subject, nor that of The European Sting.


Covid-19 has hit the world by surprise, exploiting every preparedness gap and self-proclaimed invincibility in the face of such threats. There is no doubt that the world was profoundly changed by this terrifying experience. And it’s not just the aspect of physical health – a profound shift has taken place in the perspective of health care. We have gone from a doctor-patient relationship to public debate.

First, we need to rethink this approach. The doctor-patient relationship has been defined as “a consensual relationship in which the patient knowingly seeks the assistance of the physician and in which the physician knowingly accepts the person as a patient”. (1) But why insist so much? While public debate may be the most valuable and valued interaction in free society, it is not tailored to meet an individual’s needs within an underlying global health context. Large amounts of accessible data, especially on the Internet, can confuse even experts, let alone the general population. It is the quita essentia of hesitation itself. It is possible to avoid misunderstanding the authority of an expert in his field for individuals seeking recognition by moving the conversation from the public space to the doctor’s office.

However, to be trustworthy, we should devote some of our energy to trying to create comprehensive guidelines for physicians themselves. Any doubt from an expert is projected negatively onto a patient and undermines trust between the two. During the pandemic, even if they were created, they provided ample space for potential confusion and uncertainty – leaving physicians alone to decide on a highly socially discussed issue. The older generation of healthcare professionals, more rigid in an online environment, providing patient care in predominantly rural areas, is particularly vulnerable. (2) These areas are vital for successful vaccination coverage, because if in urban areas the vaccination rate exceeds 75%, in rural areas it does not exceed 59%. (3)

In addition, resources dedicated to immunization awareness should be targeted to a hesitant audience, not the denier. A Slovak survey revealed that only 20% of respondents are explicitly against vaccination, while almost 50% are hesitant. (4) The current attempt to persuade the antivax community seems long, costly, and therefore ineffective. Worse still, the already often wary government’s sense of urgency and pressure is diverted to support the anti campaign.

In conclusion, our goal for successfully overcoming vaccine hesitancy should be to effectively target the right demographic group, accept the proposal made by the opposition to the vaccine, and prevent the government from interfering in public vaccination campaigns. Instead, it should lay out exact guidelines for doctors to follow, strengthening the doctor-patient relationship and, ultimately, stabilizing the ongoing divide in our society. IGOs and NGOs must continue their work of sensitizing the population. This can lead to the government and other organizations being seen as one, which does not overwhelm them with other health-related discussions. If done correctly, we could achieve the same universal acceptance of vaccines as we had before the antivax covid campaign.

References:

1. QT, Inc v. Mayo Clinic Jacksonville, 2006 US Dist. LEXIS 33668, at *10 (ND III May 15, 2006)

2. Palmer, John. “As rural records age, will there be enough left?” Patient Safety and Quality Health CareSeptember 6, 2019, https://www.psqh.com/analysis/as-rural-docs-age-will-there-be-enough-left/.

3. Saelee R, Zell E, Murthy BP, et al. Disparities in COVID-19 Vaccination Coverage Between Urban and Rural Counties — United States, December 14, 2020–January 31, 2022. MMWR Morb Mortal Wkly Rep 2022;71:335–340. DOI: http://dx.doi.org/10.15585/mmwr.mm7109a2external icon

4. IPSOS sr o: „TLAČOVÁ SPRÁVA: NA SLOVENSKU BY SA DALA PROTI VÍRUSU COVID-19 URČITE ZAOČKOVAŤ MENEJ NEŽ TRETINA POPULÁCIE, TÝCH, KTORÍ VAKCÍNU ZÁSADNE ODMIETAJÚ JE ALE EŠTE MENEJ. V KRAJINÁCH, KDE SA UŽ OČKOVALO OCHOTA STÚPLA.“ 11. 1. 2021. https://www.ipsos.com/sites/default/files/ct/news/documents/2021-01/ipsos_prieskum_ockovanie_proti_covid-19_tlacova_sprava_11._1._2021 .pdf

About the Author

Martin Duranik is a 3rd year medical student at Pavol Jozef Safarik University, currently VPE SloMSA Slovakia. Having started in the local activities of SCOME, later engaging in the process of student assessment and accreditation, he is also a member of the Slovak Student Council for Higher Education. He participated in the preparation of a statement by the SSSF (IPSF) for the European Commission on the low use of COVID-19 vaccines. His hobbies are philosophy, in-depth discussions of the coffee industry, and karaoke nights.

High school student in custody following threats at school

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A 12-year-old college student at Superior is facing a felony charge of making terroristic threats after showing a classmate a list of other children he hoped to harm. The threat is the latest in a series of incidents in Wisconsin following the shooting that killed two teachers and 19 students in Uvalde, Texas a week ago.

The upper middle school student is in custody after school staff were tipped this morning through the state Express yourself, express yourself reporting system, according to the Higher Police Department.

School staff immediately isolated the student, and senior police dispatched officers to the college.

“The senior police department also dispatched two detectives to immediately begin an investigation into the threats. The investigation determined that the student showed another student a list of other students’ SMS names and told this student that he intended to harm these listed students,” police said in a news release. “The student who made this threat admitted that he did so in order to scare the student he was showing the list to.”

The senior college student also faces a disorderly conduct charge, which is a misdemeanor. The 12-year-old is waiting to be referred to Douglas County Health and Social Services.

Teenagers and children have often been arrested for making threats following mass shootings across the country. Even statements made in jest often lead to felony charges of terrorism threat amid heightened fears of school shootings.

Slinger schools were closed on Friday after a student said he had a gun in a middle school hallway. Law enforcement searched the school about 30 miles northwest of Milwaukee and found no weapons.

The Upper School District just adopted the Speak Up, Speak Out reporting system earlier this year, which was first launched by the Wisconsin Department of Justice in 2020. The system provides a one-stop shop for reporting in full confidentiality threats 24 hours a day, 7 days a week. a week. Tips reported through the platform are sent back to schools and possibly law enforcement, depending on the details of what is shared.

In its first year, the DOJ reported more than 200 schools received at least one tip through the platform, and the reporting system received nearly 1,600 contacts.

BJP and RSS petrified by demand for caste-based census for fear of losing political currency

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In what is being described as a masterstroke, Nitish nominated Jharkhand State Chairman JD(U) and former MLA Khiru Mahto as the party’s candidate in the Rajya Sabha elections, which also sent waves of BJP shock. No BJP leader worth his salt expected Nitish to go against Modi’s wishes. As he drove the chasm between Nitish and Modi, he also sent a message that Nitish was exploring the possibility of getting closer to opposition parties in the state.

It may be recalled that in 2021, Nitish had insisted on four ministerial places – two Cabinet Ministers and two Ministers of State – for his party, but ultimately only accepted one place for the JD(U) in the Modi office.

This was obviously seen by Nitish as a move to reduce his political stature by Modi, although at the time he did not challenge the prime minister. Now, with Rajya Sabha’s biennial polls looming, it looks like he has decided to assert himself and challenge Modi.

In a significant development, Lalu Yadav has decided to support Nitish Kumar and has called a multi-party meeting on June 1 in which Bihar CM will be a key figure. Lately, opposition parties have taken steps to come together to challenge the BJP, with the latest such occasion being an event organized by Rashtriya Lok Dal, led by Jayant Chaudhary, at Delhi’s Vigyan Bhawan to commemorate the 35th anniversary of the death of the former Prime Minister and the farmers. Chief Charan Singh.

At the initiative of Nitish and Lalu Yadav, opposition parties across the country had already decided to pressure the Modi government to carry out a national caste census. The RLD-led meeting also passed a resolution, stating, “The last caste census in India was carried out in 1931 and all government policies are formulated based on the numbers listed at the time. Therefore, it is imperative for us to immediately implement a caste census to inform data-driven decision-making, as is happening in almost every sphere of our lives, whether in medicine, science or business.

Significantly, the RLD-sponsored meeting brought together senior leaders from JD(U), Lalu Yadav’s RJD, Trinamool Congress, Aam Aadmi Party, CPI(M), Apna Dal (Kamerawadi) and of TIPRA Motha, based in Tripura.

During the meeting, the opposition parties also demanded the creation of a “Social Justice Commission” or a “Commission for Equal Opportunities” responsible for analyzing data from a census of castes. to ensure adequate representation of women, SC, ST, OBC, minorities or weaker sections based in rural areas.

High Level Indaba for Gwayi-Shangani | The Chronicle

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The Chronicle

Nqobile Tshili, columnist
A HIGH LEVEL inter-ministerial indaba will be held in Hwange this Friday to assess progress and assess the impact of the construction of the giant Gwayi-Shangani Lake, which is due to be completed next month.

The huge body of water is nearly 70% complete and is expected to permanently solve Bulawayo’s water supply problems and turn the entire Matabeleland region into a green belt.

The project is part of the National Matabeleland Zambezi Water Project (NMZWP), a century-old dream first hinted at in 1912, but only the government of President Mnangagwa is making it a reality.

Construction works at Lake Gwayi-Shangani in the province of Matabeleland North

The government has set the end of next month as the deadline for completion and commissioning should be done before the end of the year. When completed, Lake Gwayi-Shangani will provide Bulawayo residents with 450ml of water per day, three times what the city needs.

A vast expanse of irrigable land covering 10,000 hectares along the Gwayi-Shangani-Bulawayo pipeline has since been identified.

Crews are already on the ground digging and laying the 245 km Gwayi-Shangani-Bulawayo pipeline and around 500 residents are involved in the construction of the dam.

The Minister of Lands, Agriculture, Water, Fisheries and Rural Development, Dr Anxious Masuka, invited the Vice President, Dr Constantino Chiwenga, in his capacity as Minister of Health and Child Protection, Minister of Finance and Economic Development, Professor Mthuli Ncube, Minister of Local Government and Public Works July Moyo, National Minister of Housing and Social Amenities Daniel Garwe and Minister of environment, climate, tourism and hospitality Nqobizitha Ndlovu to attend the inter-ministerial indaba on Friday.

Minister of Lands, Agriculture, Water, Fisheries and Rural Development, Dr Anxious Masuka

He also invited Minister of Energy and Electricity Development, Zhemu Soda, Minister of Primary and Secondary Education, Dr. Evelyn Ndlovu, Minister of Higher and Higher Education, Innovation , Science and Technology Development, Professor Amon Murwira, Minister of Mines and Mining Development, Winston Chitando, Transport and Infrastructure Development. Minister Felix Mhona, Matabeleland North Provincial Affairs and Devolution Minister Richard Moyo and his Bulawayo counterpart Judith Ncube.

Dr. Masuka also invited Bulawayo City Clerk, Mr. Christopher Dube to attend the crucial meeting.

Bulawayo City Clerk, Mr. Christopher Dube

“This meeting will give us the opportunity to get updates on the progress of the holistic elements of the project covering dam construction, power generation, irrigation development, fisheries, Gwayi pipeline- Shangani-Bulawayo, Resettlement and Compensation of Displaced Farmers,” reads Dr Masuka’s invitation. letter dated May 27, 2022 seen by Chronicle.

He said the meeting will conclude with a visit to assess the progress of each of the identified elements of the project.

Matabeleland North Provincial Affairs and Decentralization Minister Moyo, who said he had not yet received the invitation, said the meeting of various government ministers was essential to ensure the bottlenecks of bottlenecks affecting the project are resolved.

“It will be important because when we come together, then we can come up with resolutions that can address all the challenges affecting the construction of the dam,” he said.

Plans are underway to set up a 10 megawatt hydroelectric plant, which will feed into the national grid.

The government has announced that it will build mini-hydropower plants on all dams under construction.

Irrigation projects to be implemented along the pipeline to Bulawayo will boost food production in Matabeleland North, thereby improving national food security.

The dam project is expected to leave a legacy of knowledge transfer and creation of new industries at the dam site. China International Water and Electric Corp, which is building the dam, is expected to transfer its knowledge and skills to locals working on the site.

The company has established a steel pipe workshop at the site and as such no longer imports pipes, saving foreign exchange.

The production of the steel tubes will continue even after the completion of the construction of the dam.

The contractors also established a quarry plant which can again continue to produce the quarry after the dam construction is completed and these material production activities have significantly reduced the dam construction costs. — @nqotshili

Here are the 2021 population estimates for every city and town in Alabama

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Recent population estimates from the U.S. Census Bureau have shed light on where Alabama is growing or, in many cases, shrinking, as nearly half of cities and towns lost population in the first year of the pandemic.

Cities along the Gulf Coast and in fast-growing areas like metro Huntsville and suburban Birmingham continued to grow from July 1, 2020 through July 1, 2021, according to new federal estimates. The city of Auburn added more people to the total than any other city in the state during this time.

But Alabama itself only added 15,000 people, as many cities and towns shrank. This includes Birmingham, which fell down the list and is now the third largest city in the state. It also includes Montgomery, who, despite losing more than 1,300 people, overtook Birmingham for second place.

A total of 221 of Alabama’s 462 census-designated cities and towns lost at least one person from 2020 to 2021. That’s about 48%, or nearly half of all cities and towns. 38 others remained exactly the same size. This leaves 203 places that have grown, adding at least one person. That’s 44% of towns and villages.

More from the census: These are the fastest growing counties in Alabama from 2020 to 2021

Birmingham falls below Montgomery in 2021 census estimates, now Alabama’s third-largest city

Alabama’s population grew slightly in 2021, despite heavy toll of COVID pandemic

You can see the total population trend for each city and town in Alabama from July 2020 to July 2021 in the list below. The list is in alphabetical order, but you can sort by total population, population change, and percent change by clicking on each heading.

You can also search for a specific town or city in Alabama by typing in the search box.

[Can’t see the list? Click here.]

There is no doubt that much of the population loss during this period is due to deaths from the COVID-19 pandemic, with Alabama having recorded 10,402 COVID deaths during the period from 1 July 2020 to July 1, 2021. In 2020, for the first time in the state’s recorded history, Alabama had more deaths than births — and the trend likely continued into 2021.

Alabama, and many growing counties within it, grew population only through net migration – meaning more people from out of state moved in than people from within. Alabama. Deaths from the pandemic have meant that Alabama has seen a net loss of natural change, but migration has been enough to offset those losses. Data on what exactly is driving population change in Alabama is not available at the city level, but can be seen at the county level here.

Do you have an idea for an Alabama data story? Email Ramsey Archibald at [email protected]and follow him on Twitter @RamseyArchibald. Learn more about Alabama data here.

Chassis Dynamometer System Market – An In-Depth Study by Key Players: MTS, Shin Nippon Tokki, Dynapack, SuperFlow, HORIBA, Meidensha, AVL List, Rototest, MAHA, Mustang Dynamometer, Sierra Instruments, Dyno Dynamics, Hofmann TeSys – ManufactureLink

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New Jersey, USA, – Mr Accuracy Reports published new research on Global Chassis dynamometer system covering the micro level of analysis by competitors and key business segments (2022-2029). The Global Chassis Dynamometer System explores in-depth study on various segments like opportunity, size, development, innovation, sales and overall growth of key players. The research is carried out on primary and secondary statistical sources and consists of qualitative and quantitative details.

Some of the Major Key Players profiled in the study are MTS, Shin Nippon Tokki, Dynapack, SuperFlow, HORIBA, Meidensha, AVL List, Rototest, MAHA, Mustang Dynamometer, Sierra Instruments, Dyno Dynamics, Hofmann TeSys

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Various factors are responsible for the growth trajectory of the market, which are studied extensively in the report. Additionally, the report lists down the restraints that threaten the global Chassis Dynamometer System market. This report is a consolidation of primary and secondary research, which provides market size, share, dynamics and forecasts for various segments and sub-segments considering macro and micro environmental factors. It also assesses the bargaining power of suppliers and buyers, the threat of new entrants and product substitutes, and the degree of competition prevailing in the market.

Global Chassis Dynamometer System Market Segmentation:

Chassis Dynamometer System Segmentation by Type:

Single roller type, multi roller type.

Chassis Dynamometer System Segmentation by Application:

Passenger vehicle, Utility vehicle

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Market Segmentation: By Geographical Analysis

The Middle East and Africa (GCC countries and Egypt)
North America (United States, Mexico and Canada)
South America (Brazil, etc)
Europe (Turkey, Germany, Russia UK, Italy, France, etc.)
Asia Pacific (Vietnam, China, Malaysia, Japan, Philippines, Korea, Thailand, India, Indonesia and Australia)

The cost analysis of the Global Chassis Dynamometer Systems Market has been performed while considering manufacturing expense, labor cost, and raw materials along with their market concentration rate, vendors and the price trend. Other factors such as supply chain, downstream buyers, and sourcing strategy have been assessed to provide a comprehensive and in-depth view of the market. Buyers of the report will also be exposed to market positioning study with factors like target customer, brand strategy and pricing strategy taken into consideration.

Key questions answered by the report include:

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  • What will be the market size and growth rate by the end of the forecast period?
  • What are the key Chassis Dynamometer System market trends impacting the growth of the market?
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Global Chassis Dynamometer System Market Research Report 2022-2029

Chapter 1 Chassis Dynamometer System Market Overview

Chapter 2 Global Economic Impact on Industry

Chapter 3 Global Market Competition by Manufacturers

Chapter 4 Global Production, Revenue (Value) by Region

Chapter 5 Global Supply (Production), Consumption, Export, Import by Regions

Chapter 6 Global Production, Revenue (Value), Price Trend by Type

Chapter 7 Global Market Analysis by Application

Chapter 8 Manufacturing Cost Analysis

Chapter 9 Industrial Chain, Sourcing Strategy and Downstream Buyers

Chapter 10 Marketing Strategy Analysis, Distributors/Traders

Chapter 11 Market Effect Factors Analysis

Chapter 12 – Global Chassis Dynamometer System Market Forecast

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Bihar minister writes to all parties for caste census meeting under CM on June 1

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PATNA: Bihar Parliamentary Affairs Minister Vijay Kumar Choudhary wrote to leaders of all political parties on Sunday for a scheduled meeting on the issue of caste census in the state under the chairmanship of Chief Minister Nitish Kumar at 4 p.m. June 1st.

The meeting will take place just one day after the deadline for applications for the Rajya Sabha. If there are only five nominations for the five seats, two from Bharatiya Janata Party (BJP) and Rashtriya Janata Dal (RJD) and one from Janata Dal-United (JD-U) will win outright. For the moment, only the two RJD candidates have submitted their applications. The BJP and JD-U have kept it on hold so far, giving way to speculation on their likely moves.

In his letter, Choudhary, who had previously announced the June 1 date for the meeting after speaking to leaders of different political parties, wrote that Chief Minister Nitish Kumar had decided to “convene a multi-party meeting after the Center had expressed its inability to accept the unanimous resolutions of the Bihar Legislative Assembly to hold the census according to caste”.

“The Vidhan Sabha had unanimously passed the resolution to hold a caste census concurrently with the 2021 census. When the Center expressed its inability for this, the CM decided to do so as it stands. The meeting was convened in this regard at the Samvad (secretariat of the CM). Y’all asked to be a part of it,” he wrote.

Choudhary said both resolutions were passed unanimously during his tenure as president and all parties were united on the issue in the state. “The meeting will deliberate on how to proceed. All the leaders of the legislative parties were invited to the meeting, as the resolutions had been passed by the Vidhan Sabha,” he added.

BJP state chairman Dr Sanjay Jaiswal has already announced that his party will participate, while the RJD has voiced its demand for a caste census, with opposition leader Tejaswhi Prasad Yadav even going so far as to threatening to issue a ‘padyatra’ on the issue if the CM did not move forward.

Although the CM has also consistently advocated for caste census as a necessity for better planning based on correct population of different castes, the issue has remained on the back burner due to political constraints and reported reluctance of the BJP . However, it recently came to a head before the Rajya Sabha nominations and the BJP, in a descent, agreed to participate.

Although there are no official data available on the actual strengths of the various castes, all estimates are based on projections from the census of old castes, which was last carried out in 1931. There are often there were demands for it and some initiatives were also taken, but it could not materialize, even as caste remained a primary factor in obtaining the right of electoral arithmetic. The socio-economic census carried out by the UPA government also failed to achieve its objective due to a large number of discrepancies.

Later, Judge Rohini’s Commission proposed a sub-categorization of the Other Backward Caste (OBC) reservation in the government sector. The commission recommended dividing 27% reservation for OBCs into different categories for fair distribution of benefits among different sub-castes to ensure benefits reach truly disadvantaged sections. The commission was established in 2017. After several extensions, it delivered its report, dividing 2,633 OBC castes from the central list into four sub-categories for the distribution of the 27% quota into 2, 6, 9 and 10%.

In 2019, the Legislative Assembly of Bihar passed two government resolutions – one favoring caste census in 2021 and the other for the continuation of the old 200 point list system, which treats the university as the unit, not the 13 point list system which treats the department as a unit.

In 2020, ahead of the state elections, the Bihar Assembly again passed two resolutions – one against the controversial exercise of the National Citizens Register (NRC) in the state and the other for the census based on caste in 2021. They were adopted unanimously.


  • ABOUT THE AUTHOR

    Arun Kumar is deputy editor of the Hindustan Times. He has spent two and a half decades covering Bihar, including political, educational and social issues.
    …See the details

Playing games in NATO, Turkey considers its role in a new world order

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NATO’s row over Turkey’s opposition to Swedish and Finnish membership goes beyond the expansion of the North Atlantic military alliance. It’s as much about Turkish President Recep Tayyip Erdogan’s immediate political goals as it is about Turkey’s positioning in a new world order of the 21st century.

At first glance, the spat concerns Turkish efforts to obstruct support for Kurdish ethnic, cultural and national aspirations in Turkey, Syria and Iraq and the crackdown on suspected supporters of a preacher who lives in exile in the United States. -United. Turkey accuses the preacher, Fethullah Gulen, of plotting a failed military coup in 2016.

For all the latest news, follow the Daily Star’s Google News channel.

The spat could also be a play for NATO’s second-largest standing army to regain access to US arms sales, especially upgrades for Turkey’s aging fleet of fighter jets. F-16 as well as later more advanced models of the F-16 and top-of-the-line F-35.

Finally, playing the Kurdish card benefits Mr. Erdogan domestically, potentially at a time when the Turkish economy is in the doldrums with an inflation rate of 70%.

The battle over perceived Scandinavian, and primarily Swede, support for Kurdish aspirations involves the extent to which the United States and Europe will continue to crush the road to what is yet another Middle Eastern powder keg.

Mr Erdogan announced this week that Turkey would soon launch a new military incursion against US-backed Kurdish fighters in northeast Syria. Erdogan said the operation would expand the Turkish Armed Forces’ control areas in Syria to a 30-kilometre strip of land along the two countries’ common border.

“The main target of these operations will be areas that are centers of attacks against our country and safe areas,” the Turkish president said.

Turkey says the US-backed People’s Protection Units (YPG), a Syrian militia that helped defeat Islamic State, is an extension of the PKK. The PKK has waged a decades-long insurgency against Turkey, home to some 16 million Kurds. Turkey, the United States and the European Union have designated the PKK as a terrorist organization.

Erdogan accuses Sweden and Finland of giving refuge to the PKK and demands that both countries extradite members of the group. Turkey has not officially released the names of the 33 people it wants extradited, but some have been reported in Turkish media close to the government.

Swedish media reported that a doctor allegedly on the list died seven years ago and was not known to have had ties to the PKK. Another appointee was not resident in Sweden, while at least one other is a Swedish national.

Swedish and Finnish officials were in Ankara this week to discuss Turkey’s objections. Swedish Prime Minister Magdalena Andersson insisted as officials made their way to the Turkish capital that “we do not send money or weapons to terrorist organisations”.

Timely, pro-government media reported on the day the officials arrived that Turkish forces had found Swedish anti-tank weapons in a cave in northern Iraq used by the PKK. Turkey recently launched Operation Claw Lock against PKK positions in the region.

Erdogan’s military plans make it difficult for Sweden and Finland to join NATO. The two Nordic states imposed an arms embargo on Ankara after its first foray into Syria in 2019. The Turkish leader demanded the embargo be lifted as part of any deal on Sweden and Finland joining to NATO.

A new incursion that would cement Turkey’s three-year-old military presence in Syria could also put a damper on improving relations with the United States due to Turkish support for Ukraine and mediation efforts to end to the crisis triggered by the Russian invasion.

Turkey slowed its initial foray into Syria after US President Donald J. Trump threatened to “destroy and obliterate” Turkey’s economy.

The State Department warned this week that a new incursion would “undermine regional stability.”

Boosting arms sales to the United States would go a long way to cementing relations and downplaying Turkey’s acquisition of the Russian S-400 anti-missile system, even though Turkey’s opposition to joining Scandinavian will have a lingering effect on trust. The United States kicked Turkey out of its F-35 program in response to the acquisition.

This week, Erdogan appeared to widen the NATO dispute after Greek Prime Minister Kyriakos Mitsotakis lobbied the US Congress against military sales to Turkey. “Mitsotakis no longer exists for me. I will never agree to meet him,” Erdogan said. He said Mitostakis’ lobbying violated an agreement between the two men “not to involve third countries in our bilateral matters.”

US arms sales would also impact Turkish-Russian relations, although Turkey, unlike most NATO members, will continue to seek to balance its relationship and avoid an open break with Moscow or Washington. .

“Russia’s geopolitical revisionism is poised to bring Turkey and the West relatively closer on geopolitical and strategic issues, provided that Turkey’s current blocking of Sweden’s and Finland’s NATO candidacy be resolved in the not too distant future,” said Turkish researcher Galip Dalay.

Turkey’s bet on NATO is a high-stakes poker game, given that Russia is as much a partner to Turkey as it is a threat.

NATO is Turkey’s ultimate shield against Russian civilizational expansionism. Russian support in 2008 for the irredentist regions of Georgia and the annexation of Crimea in 2014 created a buffer between Turkey and Ukraine and complicated the arrangements between Turkey and Russia in the Black Sea.

Nonetheless, Erdogan risks fueling a debate over Turkey’s NATO membership, just as Prime Minister Victor Orban’s opposition to a European embargo on Russian energy has raised questions about Hungary’s place. in the EU.

“Does Erdogan’s Turkey belong to NATO?” asked former US vice-presidential candidate Joe Lieberman and former senator Mark D Wallace in a Wall Street Journal op-ed. Unlike Finland and Sweden, the two men noted that Turkey would not meet NATO’s democratic requirements if it applied for membership today.

“Turkey is a member of NATO, but under Mr. Erdogan it no longer subscribes to the values ​​that underpin this great alliance. Article 13 of the NATO charter provides a mechanism for members to withdraw Perhaps it is time to amend Article 13 to establish a procedure for expulsion from a member country,” Lieberman and Wallace wrote.

Both men implicitly argued that turning the tables on Turkey would force the complicated NATO member back on track.

Moreover, prominent Turkish journalist and analyst Cengiz Candar warned that “giving in to Ankara’s demands is like letting an autocrat design Europe’s security architecture and shape the future of the Western system.”

Dr James M Dorsey is a Senior Researcher at the Middle East Institute, National University of Singapore and Deputy Senior Researcher at the S Rajaratnam School of International Studies, Nanyang Technological University.

Catskills population grows after years of loss

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The Center for Economic Growth highlighted these census increases:

GREAT PERFORMANCE
During the year, Saratoga Springs recorded the sixth-largest population gain for a New York City, Moreau the fourth-largest for a city, and Catskill the 15th for a town.

Other fast growers and big winners:

• The biggest winners
City: Saratoga Springs (+134)
Municipality: Moreau (+403)
Village: Catskill (+40)
• Fastest growing
City: Saratoga Springs (+0.5%)
City: Ballston (+2.6%)
Village: Round Lake (3.1%)

PERFORMANCE BY COUNTY
Below are the population highlights for cities, towns, and villages for the eight counties:
• All 32 cities and nine villages in Columbia and Greene counties experienced population growth.
• Four of Albany County’s 10 towns grew in population, led by Guilderland (+163) and Colony (+52).
• Each of Schenectady County’s five towns saw population gains, led by Niskayuna (+78).
• Only two of Saratoga County’s 19 cities experienced zero or negative population growth: Day (0) and Milton (-3).
• Albany recorded the largest population loss in the region (-516), followed by Troy (-290).
• East Greenbush had the region’s largest population loss for a city (-109) and Colony had the largest population loss for a village (-51).

• Queensbury was the only city in Warren County to gain population (+90), although the other 10 saw losses of five or less.
• Each of Washington County’s 17 cities saw population declines, ranging from 1 to 39.

Chromebook 101: How to customize your Chromebook’s desktop

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Chrome OS isn’t the most feature-rich operating system, but there are a few things you can do to make your Chromebook desktop look and work the way you want.

Ready?

Customize your Chromebook wallpaper

First, let’s cover the basic appearance of your desktop:

  • Right-click anywhere on your Chromebook’s desktop and select Set Wallpaper in the menu that appears.
  • Click on any of Google’s categories to see a selection of pre-made images, or click on the My Pictures option to choose an image from your own local storage.
  • If you want your wallpaper to change to a new image every day, click the Change daily button available at the top of any Google category page. (This option, unfortunately, is currently not available with your own images.)

You can choose from several categories of wallpaper images.

Customize your browser background

You can also customize the page that displays each time you open a new tab in your browser:

  • Open a new tab in Chrome and click on the Customize Chromium (or the pencil icon) in the lower right corner of the browser.

You can customize the background or theme for each new browser page.

  • Select Background to choose an image from Google’s collection or Download from device to select an image from your own local storage, then follow the prompts to find and confirm the desired image.
  • Select Color and theme to change the appearance of your browser’s border and its background. You can choose from a number of predefined themes, or click on the circle with the dropper icon, and you can choose custom colors.

Select a color and theme, or customize your own.

Select a color and theme, or customize your own.

Customize your Chromebook shelf

Finally, take control of the Chrome OS shelf – the row of dock-like shortcuts at the bottom of your screen. Start by selecting exactly the icons that appear in this area:

  • Open your app drawer (by clicking the circle icon in the lower left corner of the screen, then clicking the upward-facing arrow on the partial drawer that appears). Right-click any item in the list and select pin to shelf.

Pin an icon to your shelf to make the app more accessible.

Pin an icon to your shelf to make the app more accessible.

  • If you want to add a website, open the site, click the three-dot menu icon in the upper right corner of Chrome, then select More toolsfollowed by To create a shortcut.

Customize the Chromebook Desktop

You can also pin a website shortcut to your shelf.

If you want the site to open in an app-like window, without the usual browser elements at the top, click the Open as window possibility in the To create a shortcut? pop-up window that appears. Then click on blue Create button.

Customize the Chromebook Desktop

“Open as window” allows you to open the site in an application-like window.

  • Drag and drop any of the icons on the shelf to change their position.
  • Have you decided that you don’t want the icon on your shelf after all? Right click on the icon and select Detach.

Customize the Chromebook Desktop

Don’t want the app on your shelf anymore? Untie it.

And a final pair of possibilities: if you want your shelf to appear on the left or right side of your screen rather than the bottom, right-click anywhere inside it, select Shelf positionthen select Left Where Right. And if you want your shelf to remain hidden by default and only appear when you hover over it, right-click on the shelf and select the icon Auto-hide shelf option.

Customize the Chromebook Desktop

You can move the shelf to either side of your screen.

Updated May 27, 2022, 9:30 a.m. ET: This article was originally published on October 12, 2019 and has been updated to reflect minor changes to the operating system.

Celebrities, Famous Americans Found in 1950 US Census Records

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In 1950, Charles Lindberg was 48, lived with his family in Fairfield, Connecticut, and listed his occupation as a government aviation consultant.

waltz disney was also 48 years old, resided in Los Angles, California, and indicated that he was the president of a “cinematic cartoon studio”.

Rosa Parks, 37, lived with her husband in Montgomery, Alabama. She did not list an occupation, but her husband Raymond worked in a hair salon.

The trio of notable names, along with personal details about their lives in post-World War II America, are among millions of people whose records are now available with the release of the 1950 US Census.

“There are people that people are already thinking now, and it’s interesting to see aspects that you can’t now,” said Jim Ericson, senior executive at FamilySearch. “It’s fun to see these people and realize that everyone could learn more about their own family.”

Is the 1950 US Census available online?

Since its release on April 1, more than 50% of the 151 million names in the 1950 U.S. Census have been examined as part of an effort to create a searchable digital database of records.

The records for two states – Utah and Nevada – are over. Idaho is 90% screened and several other states are nearing completion, according to Janelle Vasquez, program manager at FamilySearch.

A interactive map on FamilySearch shows the progress of each state.

An interactive map on FamilySearch shows each state’s progress in creating a searchable index of the 1950 U.S. Census.

The 1950 U.S. Census Project was supported by more than 130,000 volunteers, but FamilySearch is asking for more help in two areas.

How to help create a searchable index

First, there are still millions of names to review. Customers can use the App Get involved Where Family Search website to check index names.

“We’re 60% complete reviewing all names in the United States, which means we’ve reviewed 75 million names so far,” Ericson said.

The second task is to review familieswhich means verifying the details listed for each person in a family or household.

Initially, this task was more complicated, but FamilySearch worked with Ancestry to make it simpler and less time-consuming.

“We’ve streamlined the file review process and made it much easier for volunteers,” Ericson said. “We look forward to making the recordings available for free.”

A U.S. census enumerator speaks with a family in Virginia during the 1950 census.

An American census taker speaks with a family in Virginia during the 1950 census.

United States Census Bureau

See more famous names in the 1950 US Census

Here is a list of 24 other recognizable names found in the 1950 U.S. Census and where they lived when enumerated in 1950. The records can be viewed for free with a FamilySearch account.

Notable Celebrities, Artists and Names:

First Presidency of The Church of Jesus Christ of Latter-day Saints:

More famous people found in the 1950 US Census including Jimi Hendrix, Janis Joplin, Muhammad Ali, Bob Ross, John Denver, John Belushi and others are listed in this article published by Census.gov.

Learn more about the 1950 U.S. Census Project at FamilySearch.org Where Ancestry.com.

The population sequencing market will show positive and steady growth, . – The Daily Val

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New York, United States:The last Population Sequencing Market The research report provides an overview of all the aspects that have positively or negatively influenced the behavior of the sector and details future ways to help companies and other stakeholders make informed decisions. Guarantee high profits for years to come. It also offers various procedures for dealing with current and future problems in this area.
The document describes in advance each market segment with all the important factors for its growth. It also requires significant historical data like the current industry scenario to discuss the growth path the market and sub-markets are to follow during the forecast period (2022-2028). Furthermore, the report sheds light on the competitive hierarchy in the market and reveals the major competitors and new entrants with their company profiles and strategic development.

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Population Sequencing Market Segmentation-
By type:
Kits and tests, platforms, software tools
Per application:
Human health, molecular forensics, blockchain in genomics
By key players: ThermFisher Scientific, Illumina Inc., Pacific Biosciences of California, Inc., Qiagen NV, Oxford Nanopore Technologies, Inc. and Agilent Technologies, Inc., Genuity Science, F. Hoffman La-Roche Ltd., Nebula Genomics, Inc., Helix Opco, LLC, Beijing Genomics Institute and Agilent Technologies, Inc.,

Key points from the content of the Population Sequencing Market report:
Type of product
• Product range: automatic control valve, semi-automatic control valve and manual control valve

Captured market share and captured sales of each product segment
• Estimated growth rate of each product type at the time of analysis

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Spectrum in the app
• Area of ​​use :
• Industry share and demand for products of each type of application
• Growth of each part of the application during the reference period
Regional land
• Geographical location: North America, Europe, China, Japan, Southeast Asia, India and other regions.
• Cumulative turnover and sales generated in each regional market
• Estimates of regional market growth rates over the reporting period

competition arena
• Analysis of the market concentration ratio
• Detailed information on key players including their product portfolios, production units in regions served and company profiles
• Financial metrics information including pricing model, industry segment, and sales of listed companies
The latest data on expansion, acquisition and merger plans

The main points of the report are as follows.
Market Scope: This section of the report describes key players, market segments, product coverage, product coverage, forecast timeframe, and application statistics.
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Manufacturer Portfolio: Detailed portfolio of domestic and overseas manufacturers including SWOT analysis and product details. Regional Analysis: This section describes the latest import and export market trends, export and consumption rates, market leadership in each country, and revenue generation.
To sum up, the report presents an in-depth analysis of the market by systematically examining its various segments. It also examines the industry supply chain in terms of key distribution channels, energy suppliers and end customers to lead companies to successfully launch their products and services.

Please contact us and our expert will get back to you within 30 minutes:
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How the United States is getting closer to delisting Chinese companies

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Some big-name Chinese stocks, including Alibaba Group Holding Ltd. and Baidu Inc. face expulsion from the New York Stock Exchange and Nasdaq if they refuse to let US regulators see their financial audits. The U.S. Securities and Exchange Commission kicked off the process, constrained by a 2020 law, and investors started paying attention. The same goes for China, which has been scrambling to potentially remove a big hurdle that has stymied U.S. regulators for years.

1. Why does the United States want access to audits?

The Sarbanes-Oxley Act of 2002, enacted in the wake of the Enron Corp. accounting scandal, required all public companies to have their audits inspected by the US Public Company Accounting Oversight Board. According to the SEC, more than 50 jurisdictions are working with the board to authorize the required inspections, while two have not historically done so: China and Hong Kong. The long-simmering issue has turned into a political one as tensions between Washington and Beijing have escalated under President Donald Trump’s administration. Nasdaq-listed Chinese chain Luckin Coffee Inc. was discovered to have intentionally fabricated part of its 2019 revenue. The following year, in a rare bipartisan move, Congress moved to force action. .

As required by the Holding Foreign Companies Accountable Act, or HFCAA, the SEC in March began publishing its “provisional list” of companies identified as non-compliant. As of May, the list had more than 100 companies, including JD.com Inc., Pinduoduo Inc. and China Petroleum & Chemical Corp. In total, the PCAOB said it was barred from reviewing the audits of more than 200 companies, each of which will face a three-year clock once added to the list. The companies say China’s national security law prohibits them from handing over audit documents to US regulators. SEC Chairman Gary Gensler said in March that Chinese authorities faced “a series of difficult choices.”

3. What is China changing?

In April, the China Securities Regulatory Commission announced it would change a 2009 rule that restricted the sharing of financial data by overseas-listed companies, potentially removing a hurdle. He also said he would provide assistance for cooperation with foreign regulators. Negotiations on the logistics of on-site inspections in China are said to be underway at the end of April. A month later, senior SEC official YJ Fischer spoke of “ongoing and productive discussions” but said “significant issues remain and time is running out quickly.” 4. What is the larger problem?

Critics say Chinese companies enjoy the trading privileges of a market economy – including access to US stock exchanges – while receiving government support and operating in an opaque system. In addition to inspecting audits, the HFCAA requires foreign companies to disclose whether they are controlled by a government. The SEC is also demanding that investors receive more information about the structure and risks associated with the shell companies — known as variable interest entities, or VIEs — that Chinese companies use to list their shares on the New York. Since July 2021, the SEC has refused to green light new listings. Gensler said more than 250 companies already in operation will face similar requirements.

5. How soon can Chinese companies be removed from the list?

Nothing will happen this year or even in 2023, which is why the markets first seized on this possibility in their stride. Under the HFCAA, a company would only be delisted after three consecutive years of non-compliance with audit inspections. He could come back by certifying that he had retained the services of an SEC-certified accounting firm.

6. How many companies will be affected?

There is not much discretion. If a company from China or Hong Kong trades in the United States and files an annual report, it will soon find itself on the SEC’s list simply because those have been identified as non-compliant jurisdictions. In the March interview, Gensler pointed out that the law focuses on non-compliant countries, rather than specific companies.

7. What are investors doing in response?

If a Chinese company listed in the United States also has shares traded in Hong Kong, shareholders have the option of converting their American Depositary Shares (ADS) into Hong Kong shares. Some do just that by handing over the US shares to the custodian bank and asking them to cancel them. The bank then instructs the depository to deliver the Hong Kong common stock to a broker account in the Hong Kong central clearing and settlement system. The process usually takes two business days.

8. Are some Chinese companies really controlled by the government?

Large private companies like Alibaba could probably argue that they are not, although others with substantial public ownership may have a harder time. As of May 2021, the US-China Economic and Security Review Commission, which reports to Congress, had eight “national-level Chinese state-owned enterprises” listed on major US stock exchanges. .

9. Why are Chinese companies listed in the United States?

They are attracted by the liquidity and depth of the investor base of US financial markets, which provide access to a much larger and less volatile pool of capital, in a potentially faster time frame. China’s own markets, though huge, remain relatively underdeveloped. Fundraising for even quality businesses can take months in a financial system constrained by public lenders. Dozens of companies canceled planned IPOs last year after Chinese regulators tightened listing requirements to protect retail investors who dominate stock trading, as opposed to institutional and grassroots investors. of active mutual funds in the United States. And until recently, the Hong Kong stock exchange had a ban on dual-class shares, which are often used by tech entrepreneurs to keep control of their startups after they go public in the United States. It was relaxed in 2018, leading to big listings from Alibaba, Meituan and Xiaomi Corp.

(updates Section 3 with SEC comment)

More stories like this are available at bloomberg.com

GASTAT extends census self-enumeration for another 6 days

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Saudi Gazette report

Riyadh — The General Authority for Statistics (GASTAT) announced on Wednesday that it has extended the Saudi census 2022 self-enumeration process for another 6 days.

GASTAT said it had extended the self-enumeration data-filling period to the end of Tuesday May 31, instead of ending Wednesday May 25.

He noted that his decision followed requests received from citizens and residents of the Kingdom to extend the deadline for self-enumeration of the 2022 Saudi census.

As for the counting of people through visits by field investigators, GASTAT confirmed that it will continue until the end of the data collection stage, through visits by field investigators to the homes of citizens. and residents.

GASTAT, in cooperation with the Saudi Data and AI Authority (SDAIA), earlier introduced a new feature that helps people verify the census researcher’s identity through their own digital wallet in the app. Tawakkalna.

The authority said that the citizen and resident will have the right to see the identity card of the field researcher, in order to raise the level of transparency and reliability and strengthen the reassurance of families.

It should be noted that the Director General of Social Statistics at the General Authority for Statistics (GASTAT), Dr. Fatimah Aloef, said earlier that the ministry’s concern not to overrule the usual method of enumerating the population by visiting the field researcher, is due to his full awareness of the diversity of society.

There are large segments that still don’t use electronic apps, and that way the field researcher will be able to access, cover and count those segments, she said.

The authority praised citizens’ and residents’ awareness and response to the census and willingness to self-enumerate by filling out the form electronically.

He previously revealed that more than four million citizens and expatriates have so far taken part in the 2022 Saudi census by choosing self-enumeration, since the start of the actual count and data collection on May 10.

Several channels have been made available by GASTAT to help citizens and residents fill in the census form and respond to inquiries, through the Saudi Census 2022 electronic portal: https://survey.saudicensus.sa/enand through the unified number 920020081, in addition to GASTAT’s accounts on social networks.

Having an account in Absher for the head of household is a requirement to access the self-enumeration website, through which the participant can get a quick response code through the Nafath portal, or by registering on the portal of the Saudi census and filling in the required data.

GASTAT also noted that citizens and residents can also fill in their data through self-census stations located in various shopping malls, as it helps individuals and heads of households to fill in the census form with l help from the census employee.

It specified to citizens and residents, through its website, the locations of the self-census stations which can be visited via the following link:

https://saudicensus.sa/sites/default/files/kisosk_locations_en.pdf

The results of the 2022 Saudi census will be announced during the fourth quarter (Q4) of this year, from October 1 to December 31, 2022, GASTAT said.

How companies have embraced the changes and impact on the industry, . – The Daily Val

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New York, United States: With the help of Market Insights in Universal Population Health Management Solutions Market report launched by Decisive Markets Insights, new products can be launched successfully. Using this market research report, you can gain demographic information about your customers, which is the core of any business. However, it is ensured that customer information remains confidential at all times.

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Population Health Management Solutions Market Segmentation-
By type:
Software services
Per application:
Health care providers Health care payers Employer groups Government agencies
By key players: Health Catalyst Wellcentive, Inc. Allscripts Healthcare Solutions, Inc. Cerner Corporation Persivia IBM Corporation Epic Corporation, Inc. International Business Machines Corporation Healthagen LLC UnitedHealth Group i2i Population Health OptumHealth McKesson Corporation Lumeris Conifer Health Solutions, LLC Koninklijke Philips NV Verscend Technologies, Inc. ZeOmega

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Return on investment, future demands and profit margins of investment centers are considered in our research. Purchasing our market research will allow clients to target investment centers that are taking off right now.

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We help our clients identify compatible business partners through our research and knowledge.

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The report analyzes the latest technological developments, R&D activities and product launches.

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We help our clients identify pockets of growth and pockets of revenue by analyzing our research and insights. In doing so, we help them decide whether or not to invest in the growth of their business.

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In order to develop a strategy, it is important to understand market sentiment. You benefit from our insights by seeing the market from a hawk’s eye perspective. The Key Opinion Leaders of each industry that we monitor help us to maintain this observation.

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A global Population Health Management Solutions Market An overview is provided in this report, along with a detailed analysis of the products provided by the major players, which helps to assess the expansion of the market.

• Assessing the competitive landscape, what are the opportunities?
the Population Health Management Solutions Market The report analyzes the strategies, geographic locations, and product segments of key market players.

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Southern Baptists face pressure for public list of sex offenders

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A scathing report into the Southern Baptist Convention’s mishandling of sex abuse allegations raises the possibility that the denomination, for the first time, will create a publicly accessible database of pastors and other staff at the church known to be abusers.

The proposed database is expected to be one of many recommendations presented to thousands of delegates attending this year’s national meeting, scheduled for June 14-15 in Anaheim, California.

“These recommendations will be open to questions, debate and comment in the meeting room,” said SBC Chairman Ed Litton.

He expressed hope that the shocking findings of the Guidepost report will bring “lasting change” to the SBC, America’s largest Protestant denomination. It has steadily lost members in recent years, while being wracked by internal divisions over race and gender roles.

The Guidepost report said survivors of abuse by SBC clergy have repeatedly shared allegations with the Executive Committee, “to be met, time and time again, with resistance, obstruction and even hostility. plain and simple of some within the EC”.

“Our investigation revealed that, for many years, a few senior EC officials, as well as outside attorneys, largely controlled the EC’s response to these reports of abuse…and focused particularly on the avoidance of liability,” the report said.

The motion for an independent inquiry was brought forward at last year’s national meeting by the Reverend Grant Gaines, senior pastor of Belle Aire Baptist Church in Murfreesboro, Tennessee.

Reading the Guidepost report, Gaines said he was struck by repeated examples of callous disregard for survivors, as well as leaders prioritizing SBC protection from liability over prevention. abuses.

“We’re at a crossroads,” Gaines said. “I think this report provided the information we needed for there to be an outpouring of support to take the right steps.”

Specifically, Gaines said he supports the proposal to create a system that alerts communities to known offenders.

“I think that’s one of the first things we should do,” he said.

Lawyer and writer Christa Brown, who says she was sexually abused as a teenager by her church’s SBC youth minister, has been lobbying the SBC since 2006 to create a publicly available database of known abusers. She was encouraged that Guidepost recommended such a system, but said questions remain about its implementation.

“What is absolutely critical is that the local church cannot function as a survivor’s default or presumed starting place to try to get a clergy sex abuse investigation,” he said. she said by e-mail. “If the local church is seen as a mandatory first stop for survivors to continue their work, then the voices of many survivors will be muffled in their throats before the sound is ever uttered.”

Among the findings of the Guidepost report was that the Executive Committee kept a secret list of hundreds of SBC-affiliated clergy and other personnel identified as sex abusers. Brown said the committee, at a special meeting on Tuesday, should agree to release that list.

“I urge you to release your entire list of pastors and ministers accused of sexual abuse, in whatever form it has been kept for these many years,” Brown tweeted. “Post. This. Now.”

Final decisions on recommendations to submit to Anaheim delegates will be made by the SBC’s Sexual Abuse Task Force, comprised of seven members and two advisors. Its work over the past year has been an emotional journey, said Pastor Bruce Frank, who led the group.

“We saw patterns and things that were deeply concerning,” he said. “Our main job was to allow Guidepost to do its job, and they have done a truly outstanding job over the past nine months looking at events that have happened over 20 years.”

Over the next week, the task force will present formal motions in “precise language,” which will be made public and presented to delegates in Anaheim for a vote, said Frank, senior pastor of Biltmore Baptist Church in Arden. , North Carolina.

Frank said the heart of the task force’s recommendations based on Guidepost’s report can be summed up in two words – prevention and care.

“Our main goal should be to prevent sexual abuse,” he said. “And if abuse happens, how can we care for survivors in a much better pastoral way? How can we communicate better to make sure (the abusers) don’t go from church to church?

He hopes this report will serve as a “catalyst for change”.

“Any impartial person will review the contents of this report and demand that things get better,” Frank said. “SBC is a big family with 48,000 churches. There might be a disagreement on how to improve things. But I am convinced that we will overcome the difficulties.

Besides sexual abuse, the agenda for the Anaheim meeting includes the election of a new SBC chairman to succeed Litton.

One of the main contenders is Bart Barber, a pastor from Farmersville, Texas, who expressed dismay at mean-spirited behavior attributed to some SBC officials in the Guidepost report.

If elected, Barber said in an interview aired Monday, “I pray that God gives me wisdom to know what to do…We are navigating uncharted waters.”

“The job is not done,” he added. “We got the report, but I think everyone in the survivor community that I’ve heard of has said the reports are one thing, but we’ll see if this church family has the courage and determination to ‘to act.

The sex abuse scandal was brought to light in 2019 by a landmark report by the Houston Chronicle and the San Antonio Express-News documenting hundreds of cases at Southern Baptist churches, including several in which the alleged perpetrators remained in ministry.

———

Associated Press religious coverage receives support through the AP’s collaboration with The Conversation US, with funding from Lilly Endowment Inc. The AP is solely responsible for this content.

50 years of MN lawmakers retiring, in part because of the census

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When the 2022 Minnesota Legislature adjourned for the year on Monday, 51 lawmakers — more than one in five members — cast their final votes in the House and Senate, at least in their current offices.

The 51 retirements mark the largest voluntary turnover in the Legislative Assembly since 1972, when 54 incumbents retired, according to records from the Legislative Reference Library.

Why the big turnover? The main reason is redistricting. The legislature typically experiences the most turnover during election years when incumbents are placed in new districts by court-ordered redistricting maps that reflect population changes.

This year, 22 lawmakers were “twinned” in constituencies with other incumbents. So one of them had to either retire, move to a district with a vacant seat, or face a seated colleague.

A decade ago, 36 state lawmakers retired after redistricting. In 1982, about 40 legislators relinquished their seats. These elections immediately followed a new census at the beginning of a decade, such as this one.

The current crop of retirees includes 16 of 72 women legislators, but four of the seven women giving up House seats are running for the Senate.

Retirements will not result in significant benefits for either major political party. In the Senate, 10 DFLers and eight Republicans are withdrawing, as well as two independents. Two senators are seeking other positions this year.

In the House, 14 Republicans and 12 DFLs are not seeking re-election. But nine of those House Republican members are running for Senate seats this fall, compared to just three Democrats seeking to switch chambers.

Among the lawmakers leaving the Capitol involuntarily are the Senses. Michelle Benson and Paul Gazelka, who resigned to seek Republican gubernatorial endorsement, which went to former Sen. Scott Jensen this month.

SENATE RETREATS

  • Tom Bakk, I-Cook
  • Michelle Benson, Lake R-Ham
  • Karla Bigham, DFL-Cottage Grove (candidate for Washington County Commissioner)
  • Greg Clausen, DFL-Apple Valley
  • Chris Eaton, DFL-Brooklyn Center
  • Kent Eken, DFL-Audubon
  • Paul Gazelka, R-East Gull Lake
  • Michael Goggin, R-Red Winger
  • Jerry Newton, DFL-Coon Rapids (for a House seat)
  • Bill Ingebrigtsen, R-Alexandria
  • Ann Johnson Stewart, DFL-Wayzata
  • Susan Kent, DFL-Woodbury
  • Mary Kiffmeyer, R-Big Lake
  • Melisa Lopez Franzen, DFL-Edina
  • Scott Newman, R Hutchinson
  • David Osmek, R-Mound
  • Julie Rosen, R-Fairmont
  • David Tomassoni, I-Chisholm
  • Patricia Torres Ray, DFL-Minneapolis
  • Chuck Wiger, DFL-Maplewood

RETIREMENT HOME

  • Tony Albright, R-Lac Prior
  • Connie Bernardy, DFL-New Brighton
  • Shelley Christensen, DFL-Stillwater
  • Jim Davnie, DFL-Minneapolis
  • Bob Dettmer, R-Forest Lake
  • Todd Lippert, DFL-Northfield
  • Dale Lueck, R-Aitkin
  • Carlos Mariani, DFL-St. Paul
  • Paul Marquardt, DFL-Glyndon
  • Tim Miller, R-Prinsburg
  • John Poston, R-Lakeshore
  • Steve Sandell, DFL-Woodbury
  • Mike Sundin, DFL-Esko

LEAVING HOME, SEARCHING FOR A SENATE SEAT

  • Ami Wazlawik, DFL-Township of White Bear
  • Cal Bahr, R-East Bethel
  • Liz Boldon, DFL-Rochester
  • Steve Drazkowski, R-Mazeppa
  • Steve Green, R-Fosston
  • Glenn Gruenhagen, R-Glencoe
  • Barb Haley, R-Red Wing
  • Tony Jurgens, R-Cottage Grove
  • Eric Lucero, R-Dayton
  • Kelly Morrison, DFL-Deephaven
  • Jordan Rasmussen, R-Fergus Falls
  • Tama Theis, R-St. Cloud
  • Tou Xiong, DFL-Maplewood

LEAVE HOME, SEEK ANOTHER OFFICE

  • Rena Moran, DFL-St. Paul (Ramsey County Commission)
  • Jeremy Munson, R-Lake Crystal (Congress, 1st District)
  • Nels Pierson, R-Rochester, (Congress, 1st District)
  • Jennifer Schultz, DFL-Duluth, (Congress, 8th district)
  • Ryan Winkler, DFL-Golden Valley (Hennepin County Attorney)

Inside Housing – Insight – The Dawn of For-Profit Housing Providers

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A study by consultancy Savills this month estimated that for-profit providers will own 141,000 homes by 2027. The agency estimated that over the next five years providers who have already RSH registrants would increase their stock to approximately 111,400 new homes, while new entrants would add an additional 30,000 homes.

Helen Collins, head of Savills’ affordable housing advisory team, expects for-profit companies to take more development risk and be more active in land development. “I think with more partnerships we could see more innovation in the sector.”

She points out that the issues facing associations around the cost of fire safety upgrades and meeting net zero will persist, while inflation and labor shortages are challenges for everyone.

Where investment funds have an advantage is that some hold other assets, such as build-to-let, in addition to their affordable and social housing stock, which means they have the capacity manage risks in the event of a downturn.

“I think it would be nice to see more housing associations and for-profit providers working alongside build-to-let operators and home builders. There’s a lot more to come with partnerships and risk sharing,” she says.

But Ms Collins warns that “just having access to money doesn’t mean you’re going to be a good developer”.

Maggie Rafalowicz, director of Campbell Tickell, agrees that at a time when the sector is once again focusing on the tenant experience and improving existing stock, there is room for more partnerships in new developments.

She predicts that partnerships could emerge between local authorities and for-profit providers. At this time, it appears that these earlier concerns about for-profit affordable housing have not materialized. But one organization has warned that while for-profit companies can inject investment into a sector where it is desperately needed, shareholders’ main goal is to extract value.

“The financialization of social housing is of great concern to me. In the past, many of these companies have acted inconsistently with the right to housing under international law,” says Sam Freeman, research director at The Shift, an organization that supports and advocates for grassroots groups on the right. to housing. “History does not paint a picture of these types of for-profit entities as responsible housing providers.”

For-profit companies go ahead

Population Health Management Software for Healthcare Providers Market Size, Development Data, Analysis and Growth Forecast 2022 to 2028 – Qlik, Cerner, Epic, Allscripts, 3m Health Information Systems, Athenahealth, Optum, Arcadia Healthcare Solutions, Xerox, Advisory Board, Caradigm, Applied Health Analytics

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Key players profiled in the report include

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How to create executable applications in Python

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Used by NASA, ILM, Disney, and hackers, Python is a versatile programming language and an ideal choice for beginners. Whether you’re just creating a “Hello World” or a full application, Python needs an interpreter and a bunch of supporting libraries to work. What if we could create a graphical application, all bundled into a single executable file?

(Image credit: Tom’s Hardware)

With auto-py-to-exe , a project by Brent Vollebregt, we can easily create our own executable Python applications. Below the GUI is PyInstaller, a terminal-based application for creating Python executables for Windows, Mac, and Linux. Veteran Pythonistas will be familiar with how PyInstaller works, but with auto-py-to-exe any user can easily create a single Python executable for their system.

In this tutorial, we will create a Python GUI application using EasyGUI, then use auto-py-to-exe to create a standalone application that will run on any Microsoft Windows system, including systems where Python is not installed. Linux and Mac users will need to use the underlying PyInstaller command line tool. A simple application can be created using a single-line statement. By adding more arguments we can include icons, packaged libraries, etc.

For example here is the code to create a onefile app using app.py as project code.

pyinstaller --onefile app.py

Where auto-py-to-exe differs is that we have an easier way to build an application using a GUI tool.

How to install auto-py-to-exe

1. Open a command prompt by searching for CMD.

(Image credit: Tom’s Hardware)

2. Use the Python package manager pip to install auto-py-to-exe.

pip install auto-py-to-exe

Create a test script

Our sample application is a simple GUI to launch one of three applications. We use the EasyGUI Python library because it abstracts the complexities of building a GUI application. All we need to provide is the logic that drives the application.

1. Open a PowerShell by right-clicking on the Windows icon and selecting PowerShell.

2. Install EasyGUI using pip.

pip install easygui

3. Open a text editor to write the Python test script. We have chosen to use Notepad++but you are free to use your favorite editor.

4. Import two Python modules, easygui and os. Easygui creates the GUI application and the operating system allows the code to interact with the operating system.

import easygui
import os

5. Create two variables, one for a message (msg) to the user while the other becomes the application title.

msg = "Load application..."
title="Tom's Hardware Application Starter"

6. create a list, choices, and inside it store three values ​​which are the names of the applications. Lists are Python arrays. Objects that can store multiple items. Each element has a numeric index, starting at zero.

choices = ["Google Chrome","Slack","PuTTY"]

7. Create an object, Answerto ask the user a question. In this case we are using a buttonbox from EasyGUI, each button is an option of the choices listing. The selected application is stored in the Answer object.

reply = easygui.buttonbox(msg, title,  choices=choices)

8. Use a conditional statement to read the value stored in Answer and compare it to three conditions. The first checks Answer to see if it contains “Google Chrome” if it does, it will open the Google Chrome browser. the boot file requires the use of a full file path to the application. We have to use the double in the path because Python uses to insert illegal characters into a string.

if reply == "Google Chrome":
   os.startfile("C:Program FilesGoogleChromeApplicationchrome.exe")

9. Use another conditional statement to check Answer for the slack.

elif reply == "Slack":
   os.startfile("C:UserslespoAppDataLocalslackslack.exe")

ten. Add another conditional statement to load PuTTY. Note that for PuTTY we use the os.system run as PuTTY is an application registered with Windows path.

elif reply == "PuTTY":
   os.system("putty")

11. Close the conditional test with a other condition to catch any other input.

else:
   print("Done")

12. Save file as app.py in the office. If you’re using an image in the app, make sure the image is also on the desktop.

Complete Example Code List

import easygui
import os
msg = "Load application..."
title="Tom's Hardware Application Starter"
choices = ["Google Chrome","Slack","PuTTY"]
reply = easygui.buttonbox(msg, title , choices=choices)
if reply == "Google Chrome":
    os.startfile("C:Program FilesGoogleChromeApplicationchrome.exe")
elif reply == "Slack":
    os.startfile("C:UserslespoAppDataLocalslackslack.exe")
elif reply == "PuTTY":
    os.system("putty")
else:
    print("Done")

Use auto-py-to-exe

1. Open a command prompt by searching for CMD.

(Image credit: Tom’s Hardware)

2. Run auto-py-to-exe from the prompt.

auto-py-to-exe

(Image credit: Tom’s Hardware)

3. Click Browse and navigate to our sample Python file.

(Image credit: Tom’s Hardware)

4. Configure the application to use a single file. This will condense the application and supporting Python libraries into a single executable file.

(Image credit: Tom’s Hardware)

5. Set the application to be console-based. By doing this we will see all the errors displayed in the command prompt. Once we are satisfied that the application works correctly, we can set it to Window.

(Image credit: Tom’s Hardware)

6. Click the Icon drop-down menu and select an icon for your application. This is an optional step, but it adds an extra level of quality to your application. Icons must be .ico files and we used a 64×64 pixel image as the icon.

(Image credit: Tom’s Hardware)

7. Click Advanced and under -Name, enter the name of your application. We chose the application launcher.

(Image credit: Tom’s Hardware)

8. Scroll down and click CONVERT .PY to .EXE to start the process. It will take a few minutes.

(Image credit: Tom’s Hardware)

9. Click on Open output folder to open the folder containing the application.

(Image credit: Tom’s Hardware)

ten. Double-click the icon to run your application.

Desert Botanical Garden Saguaro Census hopes to count cacti in Phoenix

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In Phoenix, the summer of 2020 was so hot that even the cacti couldn’t handle it – literally.

In the weeks following August, the hottest summer hottest month on record in a place already notorious for its scorching heat, the Desert Botanical Garden was beset by calls from concerned residents .

The saguaros were falling.

Some had completely toppled over, the thick concertina trunks slamming on the sizzling sidewalks or, in at least one case, a house. Other saguaros offered a less dramatic – though still concerning – manifestation of their internal stress: dropping one of their signature curved arms.

“We still expect to lose saguaros,” said Tania Hernandez, researcher at the Desert Botanical Garden. “But people felt that was not normal.”

It was not normal. In fact, it was a health crisis. And it struck a chord in Phoenix, where people take their saguaros very seriously. The famous cacti are unique to the Sonoran Desert and grow almost exclusively in Arizona and Sonora, Mexico.

“For Arizonans, this is a plant strongly tied to our identity,” Hernandez said. “People really like this plant. They care.

Now, Hernandez hopes to harness that enthusiasm in a community science project with an ambitious goal: find all the saguaros in the Phoenix metro. Dubbed the Saguaro Census, the tally was born out of that terrible time when urban plants fell left, right, and center.

“Everyone felt that it was somehow related to climate change,” Hernandez said. “That’s what our intuition tells us.

“But the truth is, we don’t have enough information to understand what’s going on,” she said. “We don’t even know how many saguaros we have in the cities. We don’t know where they are, how healthy they are. We don’t know how many we lose each year.

And that’s where you come in. But first, a little background.

Iconic Saguaro Cactus: How fast do they grow, how big do they get, and can you cut one?

Why are saguaros so stressed?

The Sonoran Desert is a perfect nursery for baby saguaros. The heat is the right temperature and the annual monsoon rains provide the right amount of humidity. The existing plants – mesquites and palo verdes – act as “nursing trees” for the budding saguaro giants.

“It’s a life cycle for saguaros,” Hernandez said. “They are protected from the sun and the temperatures thanks to the nourishing tree. They keep growing, growing, growing to a point where they outgrow the tree and the tree dies and the saguaro thrives.

For cacti young and old, she says, the Sonoran Desert is “the perfect setting for saguaros to grow, survive, and live.”

But in the heat island of Phoenix, life is different. There is concrete. Air pollution. Higher temperatures. Saguaros are more likely to have been transplanted than to take root in the wild.

Add to that the “nonson” of 2020, the driest summer rainy season on record, and the massive saguaro drop starts to make sense.

While the calls about the cactus dropping have slowed, Hernandez said, there are still regular reports of sick saguaros.

Some are too thin. Others don’t bloom as they should. Many suffer from bacterial necrosis, its telltale ugly gashes marking trunks that were once a healthy, rubbery green.

Not all damage to cacti is caused by disease. Hungry javelin squads occasionally nibble on saguaros. There are instances of vandalism, although the census so far suggests they are rare.

Hernandez thinks sick plants can be in a state of great distress because of their environment.

“Their immune system, because plants have an immune system, may be weaker, may be weak, because the plant is facing this great stress, pollution, high temperatures,” she said, ” and the plants might not be able to heal for if they were healthy.

Saguaro: Will the iconic cactus begin to disappear from parts of the Southwest?

Finding saguaro ‘twins’ could be the key

For better or worse, genetic testing companies like 23andMe have built huge databases of people willing to hand over their DNA.

Now Hernandez wants to do the same for saguaros.

The census will not stop at documenting the number, location and condition of the saguaros scattered throughout the Phoenix metro. Part of the project will involve obtaining DNA from urban saguaros in an effort to trace their origins.

Most of the saguaros in the city of Phoenix were transplanted from long-forgotten wild areas, Hernandez said. “These plants are so old that in most cases people have no idea where the plant came from.”

Hernandez and his team have already taken DNA samples from saguaros ranging from northern Phoenix to southern Sonora and plan to sequence them.

This summer, they’ll sample city saguaros in hopes of finding a mate. Hernandez is looking for people with saguaros on their property who are happy to offer the cacti for sampling.

“We want to identify the closest relative of urban plants so we can compare. How do they cope with their high stress in the city, compared to a sister plant in the wild? she says.

“It’s a similar approach to comparing twins who grow up in different conditions.”

The saguaros growing in urban areas of Phoenix are a huge natural experiment, Hernandez said, that would take a lot of time and money to replicate.

“If we were to artificially study the effect of climate change on saguaro plants, we would need to bring wild plants, put them in a very special, high-tech greenhouse, and grow them there for years. Raise the temperature with a lot of energy,” she said. “However, we naturally have them here in the city.”

This accidental experience could have two major benefits.

First, take a slow-growing urban cactus. Its slow progression could be due to high temperatures driven by climate change, for example, or urban pollution. Or it could just be genetic. In isolation, there is no way of knowing. But finding a sister plant could unlock the answer.

Second, it could save the Phoenix Metro saguaros. “Ultimately, we’d like to propose that we can adapt our urban saguaro population,” Hernandez said. “We can adapt it to future conditions by bringing saguaros here that are already adapted to nature’s driest and hottest conditions.”

But we have to start now.

“Because we have to remember that these plants take many, many years to grow. So if we don’t start now, our children or grandchildren won’t see saguaros in the city. »

How you can help

Participating in the saguaro census is easy.

First, download the iNaturalist app. The free app, developed by National Geographic and the California Academy of Sciences, allows the public to observe and upload information about the living things around them to other nature lovers and biologists around the world.

Second, create an account and search for the Metro Phoenix Saguaro Census project.

Third, document any saguaros you see in the city of Phoenix.

“You take a picture of the saguaro, even if the picture is not good, even if you’re in your car and passing by, that’s fine, because we want to generate a database of saguaros in the city,” said Hernández.

“If you haven’t looked closely, like to assess the health of the plant or the size of the plant, that’s okay. We can go back and take more data on that same plant,” she said.

“But the important thing is how many we have and where they are.”

The best thing about saguaros

Hernandez completed her doctorate in cactus evolution in Mexico, home to the greatest diversity of cacti in the world.

For her, the best thing about saguaros is their ability to inspire.

“Culturally, it is a very important species. It’s not endangered in the wild, it’s quite successful, abundant, it’s not threatened,” she said.

“Some cactus species are more endangered than the panda or the white rhinoceros. But people don’t know that.

“What I love about saguaro is that this plant, this cactus, is so important to people that we can use it to (raise awareness) about the conservation of other cacti.”

The Saguaro Census

The Saguaro Census is running through May 2022. For more details on how you can get involved, visit dbg.org/saguarocensus2022.

Those interested in nominating saguaros on their property for further study can contact Dr. Tania Hernandez at [email protected]

Contact the reporter at [email protected] Follow her on Twitter @lanesainty.

More than half of the US population will experience 90-degree heat this weekend – YubaNet

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May 20, 2022 – The past eight years have been the hottest on record anywhere in the world. With summer 2021 being the hottest on record in the United States and extreme heat starting early in 2022, it’s clear that the summer months in the northern hemisphere are increasingly a “dangerous season.” for human and critical health. ecosystems. According to NOAA, this summer will likely be warmer across the country than in years past.

Places across the United States and around the world are experiencing record or deadly heat long before the official start of summer this year. This weekend, more than half of the US population will experience temperatures at or above 90 degrees Fahrenheit. Temperatures are expected to reach 99 degrees Fahrenheit in Massachusetts. More than a dozen US states have experienced unseasonable spring heat waves since April. India and Pakistan are also currently experiencing a prolonged, weeks-long deadly heat wave in which temperatures topped 122 degrees Fahrenheit.

Additional resources and analysis:

  • A 2022 peer-reviewed study titled “Too Hot to Work,” which found that without global action to reduce heat-trapping emissions, climate change is expected to quadruple the exposure of American outdoor workers to hot conditions hazardous, endangering their health and placing up to $55.4 billion of their income at risk by 2065. To view the interactive mapping tool, click here.
  • A 2019 peer-reviewed study titled “Killer Heat,” which found that without global action to reduce heat-trapping emissions, the number of days per year when the temperature “felts” exceeds 100 degrees Fahrenheit would increase than doubling from historic levels to an average of 36 across the United States at mid-century and quadrupling to an average of 54 by the end of the century. To get results for a specific city or county, use the online widget. To consult the interactive mapping tool, click here.
  • A 2019 UCS report titled “Farmworkers at Risk,” which assessed the risks that pesticide exposure and heat stress can pose to the safety of American farmworkers.
  • A science fact sheet linking extreme weather events, like extreme heat, and climate change.

The Union of Concerned Scientists puts rigorous, independent science to work solving our planet’s most pressing problems. By partnering with people across the country, we combine technical analysis and effective advocacy to create innovative and practical solutions for a healthy, safe and sustainable future. For more information, visit www.ucsusa.org.

Eye care in health systems: action guide

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Insight

To address many of the challenges faced in eye care – including inequities in access and lack of integration within the health system – eye care must be an integral part of universal health coverage (UHC): all individuals should receive the health services they need, of sufficient quality, without experiencing financial hardship. The concept of UHC is embraced globally as a key guiding principle for health planning. To this end, Eye Care in Health Systems – A Guide for Action (the Guide) has been developed as a manual for health planners. The Guide describes strategies and approaches proposed by WHO that provide practical, step-by-step support to Member States in planning and implementing integrated person-centred eye care (IPEC). The planning periods covered by the Guide include the short term (annual operational planning) as well as the medium and long term (strategic plans for eye care).

The Guide further describes and links the following four new tools developed by WHO to support country planning:

  1. Eye Care Situation Analysis Tool (ECSAT)

Purpose: Questionnaire-based survey tool to comprehensively assess eye care in a country.

  1. Eye Care Indicator Menu (ECIM)

Purpose: List of recommended eye care indicators to be collected regularly.

  1. Package of Eye Care Interventions (PECI)

Objective: Planning and budgeting for eye care at each level of the health system.

  1. Eye Care Competency Framework (ECCF)

Purpose: Competency-based ophthalmology human resource planning tool.

Colorado’s mountain towns feel more crowded than ever. But census data shows that the population has barely changed.

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Creede City Administrator Janelle Kukuk found her 2020 U.S. Census form hanging from this post at the exit of her out-of-town property. During the winter, the gate is closed and only residents have access to it. Five miles from the locked door of Janelle’s house. Many census forms were left on door posts or thresholds and an unknown number were lost as a result. Although Creede had an 85% response to the Kukuk census things, it could have been a higher percentage if so many forms hadn’t been misplaced or lost. The small brown box is for parcels.
Dean Krakel / Special for The Colorado Sun

Mick Ireland knows the streets of Pitkin County. The 30-year-old former Aspen mayor and politician has knocked on the doors of thousands of his neighbors over the years, promoting candidates and voting issues as well as helping register voters.

So when the 2020 census report showed whole blocks in Pitkin County — not city blocks, but the small geographic areas into which the US Census Bureau divides the country — with zero populations, it took some note. Using the county’s geographic information system – GIS – mapping, he began to find more blocks across the county that appear to have been missed by the 2020 census. In some blocks, the census counted fewer than houses despite new construction.

“I know those buildings just haven’t gone away. My estimate is that around 1,000 people have not been counted,” said Ireland, who is working with county leaders to put together a detailed list that could become an official 2020 census challenge.



Other counties are doing the same. After enumerators struggled to count every U.S. resident for them during the chaotic pandemic, more Colorado counties are seeing discrepancies with the tally that will determine how many federal dollars are given to communities. (The 2010 census showed that 316 federal spending programs relied on the 2010 tally to distribute about $1.5 trillion in annual spending. Colorado receives about $19.2 billion a year in funds guided by the census, which equates to about $3,500 per capita.)

So a count that misses 1,000 in Pitkin County could cost the county $35 million over the next decade.



“That’s a big amount of money we’re talking about,” Ireland said.

Read more by the Colorado sun.

What do the big and small parties offer homebuyers this election?

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The Coalition already has a Super Saver program for first-time home buyers to access their supplemental retirement contributions, which offers a tax reduction on savings.

For those aged 55 and over, the Coalition offers downsizing incentives. Future retirees will be able to deposit up to $300,000 per person in their super if they sell their family home, under the proposed scheme.

The Coalition also pledged to increase the stock of social and affordable housing by providing $2 billion in low-cost loans through the National Housing Finance and Investment Corporation.

The new policies would be added to the Coalition’s Home Guarantee Scheme, where eligible buyers can enter the market with a 5% down payment, or 2% if they are a single parent. Regional buyers can also access the program if they are buying or building a new home.

Prime Minister Scott Morrison and his wife Jenny Morrison in Geelong with Senator Sarah Henderson and Liberal candidate for Corangamite Stephanie Asher. Credit:James Brickwood

While some homebuyers have welcomed the policies, the Coalition has come under fire from pundits and economists who say they will inflate home prices as more buyers compete. It will also add pressure on those who need to take out larger loans, with a lower deposit, as interest rates rise.

Experts argue that more homes should be built to give buyers choice and keep prices at more affordable levels. However, Morrison says the policy will help increase the number of available homes and spur the construction of new homes, while Treasurer Josh Frydenberg put his ‘hand on his heart’ to swear house prices would not rise because of the new super program.

Australian Labor Party

The ALP has also focused on housing affordability, launching its homebuyer assistance program at the start of opposition leader Anthony Albanese’s campaign.

This is a capital stock program that would allow eligible buyers, with a down payment of at least 2%, to buy a home, with the government covering up to 40% of the cost of a newly built property or 30% of the cost. of an existing one.

Opposition Leader Anthony Albanese believes his housing policy will save buyers money.

Opposition Leader Anthony Albanese believes his housing policy will save buyers money.Credit:Alex Ellinghausen

State governments such as WA and Victoria already run similar share-sharing schemes, but this would take the idea to a national level.

Buyer assistance will be open to buyers who don’t own a property — not just first-time home buyers — but eligible buyers must be earning less than $90,000 a year, or $120,000 if they’re in a relationship with.

Participants must buy out the government’s share in their house if they start earning more than the salary threshold.

The ALP also plans to establish the Housing Australia Future Fund, a $10 billion investment fund whose proceeds will be used to build social and affordable housing across Australia. The party estimates that 30,000 houses can be built in five years.

Anthony Albanese on the hustings where he pushes his housing policies.

Anthony Albanese on the hustings where he pushes his housing policies.Credit:Alex Ellinghausen

The ALP will correspond to the housing guarantee program of the Coalition. Like the Coalition, the ALP has been criticized for failing to address the need for more housing across the country and for driving up housing prices. But Albanese says it will ‘tackle the housing crisis’ in Australia.

australian greens

“In Australia, housing is completely cooked. It’s a big problem, and with a big build we can solve it,” the Australian Greens website notes.

They are committed to building 1 million new sustainable, accessible and affordable homes across the country through the creation of a new Housing Trust.

Of those, 125,000 would be offered through a condominium program, allowing people to own their first home where they want to live for just $300,000. Homeowners will have up to 75% of the equity in the home and sell it back to the government if they want to move on.

Greens leader Adam Bandt wants a million homes to be built across the country, including more social and affordable housing.

Greens leader Adam Bandt wants a million homes to be built across the country, including more social and affordable housing.Credit:Rohan Thomson

Another 125,000 would be built as universal access rental housing, while the other 750,000 would be built as public and community housing to end long waiting lists for those in need of social housing and “ending homelessness”.

The Greens’ policies have been criticized as being too expensive to implement, having an unknown impact on the housing market, and as unlikely to gain support from state governments.

Greens leader Adam Bandt argued the government needed to do something “urgent” to ensure every Australian had a safe place to call home.

United Australia Party

The party led by Craig Kelly promises to keep interest rates at a maximum of 3% for home loans over the next five years, by legislating a ceiling.

Craig Kelly wants to cap interest rates at 3% for the next five years.

Craig Kelly wants to cap interest rates at 3% for the next five years.Credit:Matt Dennie

The move was heavily criticized because capping interest rates would create a range of problems, including for the wider economy, with lower interest rates leading to higher costs, including at the supermarket.

UAP also promised that the first $30,000 of a home loan would be tax deductible “and restore the Australian dream for every Australian to own their own home”.

Australian Democrats

Australian Democrats are calling for the construction of 100,000 new affordable homes and 100,000 social and community homes. “Our plan also calls for tax reform – changing the negative debt rules, so that they only apply to investment in new housing. We suggest halving the tax exemption on capital gains to discourage speculation on existing homes and long-term vacant homes, currently 4%,” its policy states.

Pauline Hanson’s One Nation Party

The only housing commitment, at least online, is to stop the sale of homes to non-residents and non-citizens of Australia.

animal justice day

Although much of its policy concerns the treatment of animals and animal testing, the AJP has a position on housing.

“The AJP recognizes and is guided by the expertise of the Australian Council of Social Services (ACOSS) on homelessness,” states its policy. “As a result, AJP supports the prevention and intervention measures advocated by ACOSS in 2020 to combat homelessness, including a proactive national housing strategy, sustained investments in affordable housing and tax reform.

Fusion Party Australia

The FPA – a merger of the Science, Pirate, Secular, Vote Planet and Climate Change Justice parties – wants to end capital gains tax incentives, replace stamp duty with a property tax and increase zoning densities to stop climate change. ‘urban sprawl. The party also hopes to increase the number of social housing among other political promises.

Socialist Alliance

The Socialist Alliance is another political party proposing a national housing policy. It is also committed to tackling homelessness and the housing affordability crisis by building more social housing.

The party also wants to create a public body to provide low-interest housing loans, nationalize and renovate all substandard rental housing, repair and decarbonize public housing, and establish a a tenants’ bill of rights that would include rights to long-term tenancies, pets and safeguards against wrongful eviction.

Ukraine: Zelenskyy warns people of a long war – live updates | News | DW

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  • Zelenskyy warns of a long war

This article was last updated at 01:43 UTC/GMT

US Senate confirms Bridget Brink as ambassador to Ukraine

Bridget Brink was confirmed by the US Senate as Ambassador to Ukraine on Wednesday evening. The position has been vacant for three years.

The vote to confirm Brink was unanimous.

Zelensky says the war will be long

Ukrainian President Volodymyr Zelenskyy sought to prepare the Ukrainian public for a long war in their country during his nightly video address on Wednesday evening.

He said to the Ukrainian people: “Kherson, Melitopol, Berdyansk, Enerhodar, Mariupol and all our towns and villages which are under occupation, under temporary occupation, should know that Ukraine will return”.

He said, however, that battlefield conditions would determine how long it would take for the territory to return to Ukrainian control.

“We are trying to do this as soon as possible. We are committed to driving out the occupiers and ensuring real security for Ukraine,” Zelenskyy said from Kyiv.

Ukraine has extended martial law and mass mobilization for 90 days until August 23.

Zelenskyy: Russia fired over 2,000 missiles

Ukrainian President Volodymyr Zelenskyy said Russia had fired more than 2,000 missiles at his country since February 24, when Russia invaded Ukraine.

During his nightly video address, Zelenskyy said most of the missiles hit civilian infrastructure without providing any strategic benefit.

Russian missiles hit the southern towns of Mikolaiv and Dnipro over the past day, Zelenskyy said.

What happened in Russia’s war against Ukraine on Wednesday

The Russian Foreign Ministry said it was expelling dozens of diplomats from several European countries in retaliation for their expulsions of Russian diplomatic personnel. Among those expelled are 34 French, 27 Spanish and 24 Italian diplomats.

Russia has also withdrawn the visas and press accreditations of Canadian journalists from CBC and Radio-Canada and is closing the organization’s office in Moscow.

Germany will donate 15 tanks to the Czech armed forces as part of a program in which Berlin aimed to help countries pass their stockpiles of Soviet weapons to Ukraine. The Czechs have given Ukraine heavy Soviet-era weapons worth at least $130m (€124m) and are in talks with Germany to buy up to 50 new ones additional Leopard A7+ tanks.

European Commission President Ursula von der Leyen has offered Ukraine additional aid this year of up to nine billion euros ($9.5 billion). She said the fund would help the country cope with the ravages of war.

The EU also intends to mobilize up to 300 billion euros in investments by 2030 to end the bloc’s dependence on Russian oil and gas. The investments will include 10 billion euros for gas infrastructure, 2 billion euros for oil and the rest for clean energy, von der Leyen told reporters.

US Treasury Secretary Janet Yellen said sanctions against Russia were having a huge impact, but Russia said its economy was showing resilience. Russian Economy Minister Maxim Reshetnikov, however, was confident that inflation in Russia would slow further, adding that Russia had resisted the first hit of sanctions.

The United States also set up a new watchdog to establish legal action against Russia for crimes committed during its war against Ukraine and reopened its embassy in the Ukrainian capital, Kyiv.

In February, the embassy was closed and diplomatic staff “temporarily relocated” to Lviv in western Ukraine. Many Western countries, including Germany, France and the United Kingdom, have reopened their embassies in Kyiv over the past month after Russian troops withdrew from the city to focus on an offensive in the east of the country.

Due to unease over Russia’s war in Ukraine, Finland and Sweden have submitted applications for NATO membership, although Turkey has decided to block the start of their NATO membership talks. NATO while making a series of military and political demands.

US President Joe Biden has said he expects Finland and Sweden to join NATO. Russian Foreign Minister Sergei Lavrov said the two Nordic nations’ bid to join the alliance would “probably not make much difference”.

United Nations Secretary-General Antonio Guterres said he was in “intense contact” with Russia, Ukraine, Turkey, the United States and the European Union to try to restore Ukrainian grain shipments and boost Russian fertilizer exports.

Catch up on all of Wednesday’s events surrounding the war in Ukraine.

ar/sms (AFP, AP, dpa, Reuters)

New shells and small arms are on the firepower wishlist of Special Operators

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TAMPA, Fla. – Special operators say the next machine firearm should provide the power, range and accuracy of a .50 caliber the size of a platoon level M240 machine gun.

This Norma Magnum .338 light medium machine Firearmto put it lightly, is a “great breakthrough” in the field of small arms for special operations, said an expert.

The initiative was launched in 2017, and in the years since, two companies, Sig Sauer and General Dynamics, have mainly fought over the contract.

A Special Operations Forces Lethality Program Lt. Col. for Special Operations Command shared details of this and other small arms programs during his presentation Tuesday at the SOF industry conference held here by the National Defense Industrial Association.

Due to basic media rules, officials of rank O5 and below are not identified by name due to the operational nature of their work with SOCOM.

“It’s basically going to give us, not exactly, .50 caliber firepower in an M240 form factor,” the official said. “It’s a big step up in SOF lethality and there will be a lot of gear.”

The current M240 machine gun is chambered in 7.62mm NATO. It is a cartridge that has been in service for over half a century and has seen many advancements but, most experts agree, has reached the limits of its potential range and lethality.

The Marine Corps and the Army recently added a multi-barreled sniper rifle that can fire 7.62mm, .300 Winchester Magnum and .338 Norma Magnum, Marine Corps Times reported.

The official said the command is still working during the competition, but expects the machine gun to be delivered by fiscal year 2024.

Sig Sauer offered the Sig Sauer Light Machine Gun, or SLMG, a collapsible 20-pound machine gun designed to be fed from either side. This feature allows the weapon to be used effectively in dismounted, air or ground operations.

And the Sig Sauer version allows for an adjustable gas block that matches the pressure requirements for a variety of suppressors.

In 2019, Sig Sauer defense products manager Cory McQuilkin told Army Times that the suppression add-on did not change the weapon’s rate of fire, a previous concern with these types of systems.

Every light weapon option now takes suppressors into account.

In 2017, Sig Sauer won the all-service handgun replacement contract with the Modular Handgun System program. He also won the squad carbine and machine gun replacement contract earlier this year for the Next Generation Squad Weapon program.

General Dynamics claims that at ranges up to 1,000m, its weapon combo can penetrate Level III body armor and knock out soft-skinned vehicles.

Another on-going small arms replacement is the mid-range gas pistol, chambered in 6.5 Creedmoor.

This weapon will arrive a little earlier, deliveries should begin this year, according to the slides posted by the official.

The next step for the gas gun is to create an assault variant, useful for airborne operations and close combat in built-up areas.

For both weapons, the main additions will be “equipment,” the official said. This means optics, accessories to attach to the weapon and, above all, new types of ammunition.

He said the forces wanted armour-piercing shells, practice shells and “something that acts as a tracer”.

Services have been looking for a “one-way tracer” for years now. This is because when a shooter fires a tracer, the light emitted can be seen from both sides. This is useful for a shooter “marching” on a target with others shooting in their formation. But it works both ways, meaning the enemy can see where they’re shooting from and target them accordingly.

Todd South has written about crime, the courts, government and the military for several publications since 2004 and was named a 2014 Pulitzer Finalist for a co-authored project on witness intimidation. Todd is a Navy veteran of the Iraq War.

Tanzania seeks $81m to conduct population census

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By APOLINARI TAÏRO

The Tanzanian government is seeking more than $81 million from donors to conduct a national population and housing census scheduled for August this year. According to President Samia Suluhu, the census will cover all people living in Tanzania, travelers and hotel guests.

“The government cannot plan and then fix its development without having the correct statistics of its population,” she said earlier when launching the project last week.

The 2022 census will be the sixth since Tanzania gained independence 60 years ago.

Finance and Planning Minister Mwigulu Nchemba is seeking Tsh190 billion ($81.8 million) from international donors and aid agencies as part of the Tsh627 billion ($272.7 million ) necessary to finance the whole process covering a period of five years until 2026.

A Ministry of Finance and Planning statement released on Monday said Nchamba had consulted with representatives of development agencies about the funding.

The statement said the Tanzanian government will pay 70% of the census budget, with donors covering 30% of the total funding.

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The World Bank has committed Tsh44.2 billion ($19 million) for the census while UN Women has pledged 200 laptops, the statement said.

The 2012 population census showed there were 43.6 million in mainland Tanzania and 1.3 million in Zanzibar.

But the latest data compiled by the United Nations had estimated the current population at nearly 60 million people.

The director general of the National Bureau of Statistics, Albina Chuwa, said she had already completed a pilot project study for the identification of areas to obtain population data before the 2022 census.

Best Payday Loan Websites That Work for Bad Credit Score Lending

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Payday loans are short-term loans that are taken to deal with emergency expenses that you cannot bear at the current time with the cash in your hand. Many websites offer payday loans to those who need fast money to complete necessary transactions.

But, be careful before choosing a payday loan website. Often, they provide small sums of money at high-interest rates that leave the individual with more debt than they were in. Most websites transfer money within 2-3 hours so that you can deal with the financial emergency on your own.

Online lenders may require you to fill in your primary and financial information in a form on their websites. Once you complete the allocation, they review it and perform a quick credit check. If they are satisfied with your details, they immediately send money to your bank account.

However, you cannot rely on all payday loan websites. Some are more authentic and faster than others. Good payday loans websites transfer the funds to you very quickly. You don’t have to wait for long before they approve your loan request.

Whenever you want to borrow money, stay clear of evil payday loan lenders who might be frauds and scam you. If you need help, read the list of the best online payday loan companies that can provide easy and credible solutions to all your money problems.

Before picking payday loan platforms, read all their terms and conditions. Even if you get loan approval, don’t sign anything without looking at the provisions.

Don’t think much. Payday loans are the way to go if you have bad credit and no one else is willing to provide you with a loan. Rely on our list to find the world’s best payday loans online and receive funds immediately!

The Top 6 Online Payday Lenders in 2022

Payday loans can be tricky if you are unsure where to borrow from. Finding the best online payday lender is not a walk over the bridge. With several parameters involved, such as interest rates for payday loans, term length, loan amount offered, etc., you must put in a lot of thought before picking a provider for your payday loans requirements.

Fortunately, we have done your part of the research to save your time. Below is a list of the best payday loans online that you can resort to for emergency cash or installment loans:

MoneyMutual MoneyMutual is the best online payday loan provider with reasonable repayment terms and interest rates. If you want a payday loan online, MoneyMutual can be your best bet since payday loans from this company are credited in a short time.
FundsJoy FundsJoy is the best online payday loan provider with a good term length to repay the payday loans borrowed. If you are looking for a payday loan online, this payday loan provider is the safest.
BadCreditLoans BadCreditLoans is not only the best online payday loan provider for individuals looking for payday loans but has a bad credit rating. Getting a payday loan online from this company is trouble-free and risk-free too.
PickALender PickALender is one of the best payday loans provider crediting the amount into your bank account in a short amount of time. PickALender is one of the best online payday loans providers because it has a great term length.
Next Day Personal Loan Next Day Personal Loan is one of the best payday loans provider for people looking for personal loans without going through the hassle of a lot of documentation. As one of the best online payday loans provider, it credits the amount within 24-48 hours of verification of documents.
CashUSA CashUSA is one of the best payday loans lender, offering personal, payday, and other loans based on the user’s preference.

MoneyMutual

Company Overview
Category Installment Loan Providers
Amount Offered $200 to $5000
Top Highlights No fees, simplified approval process, educational resources available
Interest Rates Varies
Term Length Varies

MoneyMutual is an excellent way for people to obtain the best payday loans online at entirely reasonable prices. MoneyMutual has an excellent track record with customers who wish to secure personal loans, and it has helped over 2 million people secure immediate funds at relative ease. You will easily connect with over 120 lenders across the country. You can arrange online personal loans from this platform at very reasonable rates. Using this platform, you can easily secure up to $5000 within 24 hours of joining the platform. It does not matter that you might have a bad credit score that prevents you from getting hold of loans at ease.

Getting hold of loan funds with reasonable interest rates is quite a challenge for people with a bad reputation for handling credit, but it does not have to be that way with this company. When you obtain a loan, you must keep in mind that it should be a secured personal loan. Online lending marketplaces are not precisely trustworthy unless they have earned a reputation for themselves or proven to be legit. This is why it is essential to consider everything when considering borrowing money from online lenders. Finding a reliable online lender is the general problem many people face when getting hold of cash for any need.

People in need of credit desperately require installment loans that can be achieved within short periods and can be paid back flexibly. MoneyMutual helps attain such loans for those with an unsatisfactory credit history even if the other institutions reject them. People find that the amount they need is credited immediately upon checking account details within just twenty-four hours from reaching an agreement with the lender.

The interest rates are pretty low, and you can connect with many payday lenders who can get you the very best deals. Get hold of a reliable online payday lender even if you have a bad credit score. Get hold of emergency cash to take care of your expenses with reasonable and lenient online loan terms using the services of this platform. The amount gets credited to your bank account without hassle; your poor credit background does not matter. You can get personal loans from the online payday loan lender that you choose. Consider these payday loan alternatives that are great opportunities for those with low credit scores to get hold of some money.

FundsJoy

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Company Overview
Category Installment Loan
Amount Offered $200-$5000
Top Highlights Less than 10 minutes online form, advanced automated system, no paperwork
Interest Rates 4.99% – 450%
Term Length Varies

Getting hold of emergency cash with a bad credit score can be a nightmare, especially when banks and other bureaucratic lenders set many strict online loan terms and conditions. Bad credit loans can get credited into your bank account in no time at all, no matter whether you have a good or poor credit background using this service. Personal loans and payday loan alternatives to traditional payday loans are a great way to go about it if you have a low credit score, and FundsJoy can help you with that.

FundsJoy is an excellent way to get hold of some credit instantly without worrying about complying with the strict obligations of institutions like banks that charge high rates of interest. This service platform connects you to some of the best and most trusted lenders willing to look past your history with credit. This is the easiest method of obtaining some of the best payday loans online at very reasonable costs. All you need to do is respond to a few targeted questions that let the site connect you with the most reliable and best lenders for yourself.

You can get hold of secure and safe online personal loans from various lenders. They specialize in helping you get payday and personal loans at very reasonable interest rates. It is always a track record of not-enough credit that gets in people’s way and prevents them from securing good deals. A bad credit score can severely negatively impact borrowers’ reputation, rendering them incapable of securing loans in the amounts they require from trustworthy lenders. FundsJoy is known for lenders who give out high loan amounts in credit to borrowers with flexible and personalized plans.

The service is entirely free to use and does not require you to spend any extra money to connect with lenders or get cash in your account. Getting a secured personal loan does not have to be difficult because you don’t have a score that matches the expected requirements. Sometimes, for any number of individual needs, you will require to get hold of an instant payday loan. This platform can help you connect with lenders who can get you installment loans at reasonable rates and negotiate interest rates with you. Your credit history is of not much concern to the lenders at FundsJoy.

By simply checking the account balance in a few hours to one day, you will notice that the amount negotiated has been credited. The payday lenders available on this website offer very reasonable interest rates, and every online payday lender is open to negotiating and making the repayment options flexible.

BadCreditLoans

m
Company Overview
Category Installment Loan
Amount Offered $500 to $10,000
Top Highlights Easily connect to a lender and quick funding
Interest Rates 5.99% – 35.99%
Term Length 3 to 60 Months

Upon checking the account balance within just hours of requesting the amount, people notice that the loan has been credited. The interest rates are comparatively meager, and the payday lenders are very easy, flexible, and open to negotiation. It isn’t easy to get a hold of an online payday lender without the help of a trustworthy platform like BadCreditLoans. Your bad credit score should not come in obtaining emergency cash when you need it.

You will find that the online loan terms and conditions for bad credit loans are very reasonable when you borrow money from lenders through this platform. Despite your poor credit background, your bank account will be credited with the amount in a brief period making the online payday loan lender options at BadCreditLoans stand out. Personal loans are required for various reasons, and it is not easy for those to get hold of short-term loans due to strict credit checks by most institutional lenders of personal loans. When you find a loan provider on this platform, you can be sure of the authenticity of their services.

BadCreditLoans is one of those with quite a high range of borrowable amounts. It makes them a pretty popular option among the many companies on our list of the best payday loans online. This service is entirely free of cost and suitable for those who do not have enough funds. Your poor credit scores do not matter to the lenders on this platform, and they are willing to offer loans up to $10,000 to the right borrowers. The services provided by this platform are very transparent, and the fees are discussed up front so that you do not have to worry about any hidden charges in the future.

If you are looking for options of payday loan rates of interest that are pretty low, then this is a great way to begin. There are many reasons why getting hold of personal installment loans will be an excellent idea for dealing with emergencies and immediate expenses that need to be handled. The lenders on BadCreditLoans can give you an instant payday loan without any hassle and just simple, straightforward inquiries. The speed at which you can get hold of the installment loans is one of the reasons why this platform is viral.

PickALender

m
Company Overview
Category Installment Loan
Amount Offered $100 to $40,000
Top Highlights Marketplace and lending partners, fast delivery, data security, upfront disclosure
Interest Rates Varies
Term Length Varies

PickALender is a platform that stands out on our list of the best payday loans online for many reasons, but the most important being the high amount of money you can borrow in a short period: $40,000. Take two minutes of your time to fill out the online form. You will get hold of many offers around you in no time at all. Many lenders on the platform are willing to give you loans even if you have poor credit scores.

You can get personal loans at very reasonable payday loan rates and negotiate great deals for yourself using this platform. The installment loans you get from this website are through reliable lenders associated with the platform rather than the platform lending you the money directly. You will be happy to note that your credit history does not matter, and the amount you have requested will be in your checking account the next day.

People usually worry about the interest rates when they look to secure a short-term loan. The loan process is relatively smooth when you use PickALender for your loan services and easily get loan approval. You can get hold of emergency cash at reasonable online loan terms despite having bad credit scores that do not sit well with traditional institutional lenders. When you use this platform continuously, you realize that bad credit scores never have to be a reason to worry when you have other emergencies that require your attention.

The amount is credited into your bank account within a brief period, which is very rare, and those who have tried to secure personal loans before know this quite well! Personal and other short-term loans require strict credit check procedures, and the federal credit union usually requires all the paperwork and scores to be intact. Credit union loans are the hardest to get hold of when it comes to the different options of online loans. However, credit union loans are not the only options, especially if your credit score is not satisfactory. This is one of the best ways to secure some of the best online payday loans with flexible monthly payments from a direct payday lender offering some fantastic deals on payday loans.

Next Day Personal Loan

m
Company Overview
Category Installment Loan
Amount Offered $1,500 to $40,000
Top Highlights Fast Funding, Secure loan request form, all credit types considered
Interest Rates 6% – 35.99%
Term Length 2 to 180 months

Next Day Personal Loan is a company that brings you outstanding loans at very reasonable interest rates from several trusted lenders across the country. One of the best parts of borrowing money from lenders is that it is straightforward. You need to fill out the required form, review the same, sign the necessary documents, and voila. Your funds will be credited to you as quickly as the next business day. That is what makes this company one of the best ways to secure the best payday loans online. This is one of the best online lending marketplaces and offers quick delivery and robust data security.

Good installment loans are not easy, but Next Day Personal Loan services make them quite accessible. Your credit history is essential to the lenders on the platform who are willing to give you their money at very reasonable interest rates. Upon checking your account balance the next day, you will find that the loan you requested has been deposited. You will find that the payday loan interest rates offered on this platform are highly competitive. Interest rates are significant when picking suitable lenders, and you must always select according to the interest rates that suit your profile best. You must not look away from this, even if it is a short-term loan that you are after.

The loan process involved in getting hold of money from the lenders at Next Day Personal Loan is relatively easy, and even your bad credit scores will not get in the way of a smooth borrowing experience. You can get hefty short-term loans without a troublesome credit check that brings down your morale. The federal credit union is not a great option if your credit score is not good enough per the standard requirements of credit union loans. Getting hold of online loans is risky, so having a trusted loan provider. If you are obtaining loans from an unsecured loan provider, you could get in trouble for the same. The payday loan borrowers who do not have an excellent credit track as per the three major credit bureaus will have no problem getting hold of money through the best online payday loans brought to you by NDPL. Connect today with a direct payday lender and negotiate flexible monthly payments.

CashUSA

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Company Overview
Category Installment Loan
Amount Offered $500 to $10,000
Top Highlights Loan decision in minutes, funds direct deposited, loan for any purpose
Interest Rates 5.99% – 35.99%
Term Length 3 to 72 months

Short-term loans usually require a lot of credit check procedures, as is evident from the credit union loans you get through the federal credit union. This is not the case with CashUSA, where getting hold of online scores does not consider your credit score. The loan provider is safe, and unlike other platforms where you are at the risk of borrowing money from an unsecured loan provider, you don’t have to worry about the same here- the payday loan borrowers have everything going on securely. It does not matter if your score according to the three major credit bureaus is not up to the mark. Get a payday alternative loan today and any other online personal loans you need. Payday loans and cash advance amounts are easy to come by here.

If you are looking for a company to bring you lenders offering the best payday loans online, you are in luck with CashUSA. You can find outstanding installment loans and connect with numerous excellent lenders after your business throughout the platform! You guessed it right- they do not care much for your credit history- all that matters is your needs and the terms you both agree on! The next day’s checking account balance has never been more exciting as you note that the amount is credited so simply and quickly.

The payday loan interest rates brought to you by the lenders on this platform are relatively low. We all know the importance of considering interest rates: interest rates have to be reasonably low and amounts that do not add to your financial stress in the future. The lenders are open to negotiating the best plans to get hold of your short-term loan without much hassle and no lengthy loan process that dampens your morale and makes you worry about your bad credit scores.

How We Ranked The Top Online Payday Lenders

Although all payday loan websites claim to offer money as quickly as possible without even checking your credit score, most don’t deliver as they promise. Some are mere frauds charging high-interest rates to rip high amounts of money from you.

Therefore, you must have access to authentic and respectable online sources of payday loans to make a conscious decision. Our editorial team used the following criteria to differentiate average websites of payday loans from the best ones.

Speed of Transaction

Most payday loan companies online claim to transfer money swiftly to your bank account. But, not every website lives up to the claim. Some companies are quicker than others and transfer funds within as few as 2 hours. However, most websites require 24 hours to deposit money into your account.

Our team tried getting loans from the payday loan companies listed here to test their transaction speed. Most of their funds entered our company accounts in a short period. The faster we received funds, the higher we ranked them.

Transparency With Transactions

The industry is filled with lenders following shady practices. Most of them don’t disclose any details, even their interest rates, to customers. We valued those payday loan websites that cared to maintain the utmost honesty about their businesses.

When companies are transparent about their dealings, they are more likely to gain loyal customers. We appreciate those websites that sincerely disclosed their fees, other charges, and APR. It is a legal requirement to divulge all details to potential customers.

We included those payday loan websites on our list that provide cash advance that was entirely transparent about their business.

Quality and Quantity of Lenders

Our list features those payday loan providers associated with respectable lenders. Where most of these websites redirect you to greedy and expensive lenders, the companies on our list connect you with legitimate payday lenders. We valued those sites that offered the most premium quality of lenders.

Also, the number of personal loan lenders matters when selecting one to which you will put forth a loan request. If a website provides you access to multiple lenders, you have many options available at your disposal. Payday loan websites allow you to choose between many direct lenders who can offer quality financial service to you by getting into partnerships with more lenders.

Company Information

Some payday companies divulge all their information to customers like phone numbers, addresses, live chat, e-mail addresses, etc. Some don’t even believe in sharing minimum details about their business.

We included those online payday loan platforms on our list that were completely transparent about their company information. A good payday loan company will always disclose its fees, charges, and interest rates beforehand so that you can make an informed decision about getting such a loan.

When you give your financial information to someone, you want them to show maximum transparency in their transactions. Users must not entertain any company that hides its information or is shady about its dealings.

Company Reputation

The inclusion of any payday loan company into this list is primarily based on its reputation in the industry. As the market sees daily entry and exits of several payday loan lenders, you require a company that has been on the scene for a long time.

A robust reputation is the foundation of all the other criteria listed here. If a payday loan lender has lasted for more than eight years, it is more likely to be authentic and reliable than others. Stay clear of temporary companies that provide payday loans today and are gone tomorrow.

Customer Reviews

The most crucial aspect of any good company is how well they can satisfy their customers. If a consumer is happy with the services of a company, they are more likely to come back to them.

Our team included these very payday loan lenders because of the high number of positive customer reviews present online about them. Many users reported receiving instant cash advance loans to deal with their emergencies from these websites.

The thoughts and opinions displayed in the customer reviews play an essential role in our ranking process.

Security

Getting payday loans online can be risky if the platform does not provide enough security while transferring the loan amount or when asking for sensitive information required from the payday loans borrower.

It is an obvious fact that payday loans offerors or personal loan lenders often ask for sensitive personal information such as Social Security Number or Bank Account Details before funding the amount into your bank account.

Payday loans providers must deploy advanced security technologies such as HTTPS AND 256-bit encryption when such necessary data is at risk of being stolen.

The usage of such security features ensures that payday loans providers are not just good but also safe.

This is why we only chose those payday loans and payday loan companies that emphasized high levels of security.

The Maximum Amount That Can Be Borrowed

Payday loans can be of varying amounts. Sometimes you may require payday loans of small quantities, and in some instances, you may need a large sum from the payday loans provider.

While selecting each online lender offering payday loans, we looked at the maximum amount provided by these payday loans providers.

The higher the amount offered by the payday loans providers, the more we prioritized them.

Whether you want a small amount for your loans or a large amount, when the maximum amount offered for payday loans is decent to great, you can choose how much you want to utilize.

Ease of Use

We prioritized those websites of lenders that were easy to use and user-friendly. We steered clear of buggy websites or websites that did not have an HTTPS protocol.

Ease of use is an essential factor since the user must be able to navigate through the website easily. If their experience on the website is not good enough, it is possible that they would be less motivated to make a loan request to the lender.

What Are The Requirement To Get Payday Loans?

Multiple lenders have different requirements for offering payday loans to those in need. However, the generic or convention payday loans requirements are:

  • The borrower must be at least 18 years of age
  • The borrower must be a current resident of the state wherein he has selected for the loan application to be processed.
  • He must have a valid Social Security Number, e-mail address, and phone number.
  • The borrower must have access to an active bank account. The user must have opened the said bank account for at least one month before borrowing the loan.
  • The borrower must not be going through bankruptcy when applying for payday loans. They must also not be in debt.

Some loan providers also require income proof that validates the borrower’s current income. Generally, the evidence should show that you earn at least $1000 per month.

Why Should You Get A Payday Loan?

A person may require a loan of such sort for multiple reasons. The simple definition of payday loans is that it is credited to your account before your next payday.

Getting a loan within a short period, probably within a few hours, gives you the flexibility to use the loan for multiple reasons, most of which are personal.

Some of the reasons why you may require payday loans are:

  • You have unexpected costs such as car repairs or emergency travel for personal or financial reasons.
  • You need money to pay bills, and your next paycheck has not arrived.
  • You require money for shelter, food, or lodging, apart from other essentials.
  • You need cash for emergency treatment, be it yours or somebody else’s.

You do not need to provide a specific reason to get payday loans, especially not from the companies or direct lenders mentioned above. Once you have the money credited to your account, it is up to you to spend it however you like. However, you must keep in mind to repay the loan in time once your next paycheck has come. Not repaying the loan in time ascends to the imposition of fines.

The Top 6 Online Payday Lenders in 2022 Conclusion

With rising prices of essential commodities and increasing medical bills, most individuals require monetary help from external sources to get through difficult situations. Don’t feel shy to approach payday loan websites as they can help you intensively and pull you out of a bad condition.

Many times, you might face a problem that will drain your finances. Between the period of this problem and your next payday, you might require the assistance of a loan provider. But, multiple lenders out there require you to have a minimum credit score requirement.

To tackle this situation, you require the help of payday loan lenders who would be willing to lend you money despite you having a bad credit score. Use this money to get out of the situation and pay them back when you have the money.

Pick any of these payday lenders to get money immediately. Fill in your primary and financial information, allow them to review your details, receive loan approval and get ready to pay off debts. Most online lenders transfer funds within 24 hours to meet your requirement.

Go through the top Online Payday Lenders above to pick your most preferred one and sail smoothly through the emergency!

RELATED: Best Bad Credit Loans – Compare Top Ranked Lenders for Bad Credit Approval?

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Best Bad Credit Loans: Top-Ranked Low Credit Lenders That Work in 2022

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The internet is full of bad credit lenders that provide you with loans regardless of your credit status. Your credit score does not matter; you can apply online and get several offers within minutes.

Nevertheless, borrowing money on bad credit is sensitive, and you need to consider several factors before going with a lender. With several online lenders available, it is wise to do your research and evaluate every vital aspect before going with a lender.

To make your life easy and save you the hassle of going through all the lenders by yourself, our financial experts have spent weeks contacting tens of bad credit lenders and going through all the paperwork to filter out the best from the rest.

After rigorous scrutiny and analysis, we were able to rank the best bad credit loan providers that will help you in times of need and make your life easier.

The Best Bad Credit Lenders of 2022

Below, we have listed some of the best bad credit lenders that you can find online in 2022:

  • BadCreditLoans
  • MoneyMutual
  • CashUSA
  • PickALender
  • PersonalLoans
  • LendYou
  • Next Day Personal Loan
  • Payzonno
  • Upgrade Personal Loans

BadCreditLoans

BadCreditLoans is a super convenient online lending platform with a simple application process that allows you to borrow up to $10,000. Found online at BadCreditLoans.com, the platform comes in handy when all the banks and other lenders fail you.

All you have to do is enter the last four digits of your social security number and your date of birth and zip code to see if you qualify for the loan. Once you are deemed fit for a bad credit loan, BadCreditLoans connects you with several lenders willing to provide you with a loan regardless of your credit score. There are no hidden fees; the company charges the person giving you the money a certain fee; apart from that, you are free to carry out your dealings with the lender.

The service is entirely free and is one of the best lending platforms to avoid scams. Because of its transparency and ease of use, it is recommended by many customers who have used it to get financial help in tough times.

MoneyMutual

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MoneyMutual is another platform designed to help people with bad credit scores get safe and secure loans. It allows you to borrow up to $5,000 within a day and is an excellent option for people looking for a bad credit lender that offers an instant payback.

The platform has helped over 2 million people get quick loans and has been rated highly by everyone who has tried it. You will provide the required information reviewed by the lenders registered with MoneyMutual, who then put forward their offers. There are over 100 lenders from all across the United States who have a proven track record of helping people in times of need.

MoneyMutual is free of cost and does not charge the user anything for the loans; it only connects you with the lender. MoneyMutual charges the lenders a certain amount of money, but the borrower does not have to pay them anything for their services. Everything is between you and the lender, which is one of the many perks offered by MoneyMutual.

CashUSA

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CashUSA is an excellent service if you want to get a loan for debt repayment, house renovations, or other expenses with poor credit. The process is straightforward; all you have to do is follow a series of simple steps, and you will be all set to receive up to $10,000.

After you fill out the form provided by CashUSA, you are connected to some of the many lenders registered with the platform; the rest is up to you. It requires simple information like your date of birth, zip code, and the last four digits of your social security number. The platform connects you with authentic lenders who instantly get the money to you without extra steps or hassle.

CashUSA is one of the safest and most transparent lending platforms online that saves you a lot of time by quickly connecting you with people who are willing to help you out. Once your loan is approved, you can get the money deposited into your account within 24 working hours. The platform is safe and works discreetly without putting you in an undesirable situation.

PickALender

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PickALender is the perfect bad credit lender for people looking to borrow heft sums of money. With PickALender, you can get a bad credit loan of as much as $40,000 by following a few simple steps and filling out a form within minutes.

Instead of lending you money directly, it is another service that connects you with several trustworthy lenders who present you with offers, allowing you to pick the best one for you. By giving you several recommendations, PickALender creates a sense of competition among the lenders, which leads to them putting forward the best possible offer. This works for the best of the borrower because all put forward the offers keeping the lender’s best interest in mind.

The pool of lenders registered with PickALender features moneylenders from across the nation, another plus point. The form you fill out takes less than five minutes, saving a lot of time. It is an excellent service that allows you to borrow large sums of money on poor credit.

PersonalLoans

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PersonalLoans is an online lending service that does not bother with your credit score and allows you to get up to $35,000 in your account within days. The application form requires you to fill up basic information and makes borrowing more effortless than ever.

The platform, like others, connects you with several moneylenders from all across the United States that present you with different offers, of which you can choose the one that suits you the best. PersonalLoans is a user-friendly platform that ensures complete transparency and does not have hidden fees or costs.

PersonalLoans makes sure you get the best possible loan offer, regardless of your credit score. You can borrow between $1,000 and $35,000, making it an excellent choice. It doesn’t matter if your credit score is good or bad; PersonalLoans is a platform that entertains all types of customers.

LendYou

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One of the best-rated bad credit lending platforms, LendYou is the perfect choice if you need a loan for short-term emergencies. Designed to help with medical bills and car repairs, and other expenses that do not require a fortune, this is a service that genuinely helps you in desperate times.

LendYou is also one of the quickest bad credit lenders. Once you fill out the application form and complete the registration process, the lenders will do their best to send you money in the shortest possible time. Like all other lenders on our list, the company and its registered lenders do not care about your credit score and are here to help anyone and everyone.

To be eligible for a loan, you need to be over 18 years of age with a minimum monthly income of $1,000, have a valid account that allows direct deposit, and not be a US military member. If you meet the criteria, you can apply for a loan and get up to $2,500 within the next 24 hours.

Next Day Personal Loan

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Designed to be a customer-friendly platform, which guarantees security and convenience, Next Day Personal Loan is an excellent option for anyone looking to borrow a large sum of money. It is one of the most prominent lending platforms on our list, and users can lend between $100 and $40,000, depending on their needs.

No matter the credit score, Next Day Personal Loan guarantees unmatched convenience with a super-easy to follow 3 step process. You simply fill out the form, review all the documents, and get the money transferred to your account in 24 hours. It works like most other bad credit lenders and connects the borrower with lenders from all across the nation.

With hundreds of registered lending partners, Next Day Personal Loan also guarantees the security of your data with 256-bit encryption, something you do not see with other bad credit lenders.

Payzonno

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Payzonno is a free bad credit lender that works differently from others. Instead of applying for a loan yourself, the Payzonno chatbot asks you a set of questions when you log on to the website. These questions range from basic biodata to your financial situation. Based on your answers, you are offered a loan; the proposed amount varies from person to person.

It does not matter if you have a bad credit score; Payzonno will still provide you with a loan offer that fits your situation. If you can provide evidence of a solid monthly income, the amount offered will increase, and you can get a higher offer.

Like other top bad credit lenders, Payzonno provides you with offers from multiple lenders and puts them into a competition to get the best loan offer. After being present with offers, you get to pick the one that best fits your situation. You can get a loan of up to $5,000 depending on your state of residence, credit score, and other factors.

Upgrade Personal Loans

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With loan offers of up to $50,000, Upgrade Personal Loans is the biggest bad credit lender on our list. There are no hidden fees; you just apply on their website and can see tens of offers within a few minutes of submitting your application.

The APRs offered by Upgrade Personal Loans range from nearly 6% to 36%, which makes it one of the more reasonable bad credit lenders available online today. Regardless of your credit score, you can get a loan from Upgrade Personal Loans. Nevertheless, the amount offered and fixed rates can vary depending on your credit score.

The platform is straightforward to use, and everyone, no matter how tech-savvy, can easily use it and make the best out of what it has to offer.

How Were The Top Bad Credit Lenders Ranked?

Many lenders online claim to provide competitive loans regardless of your credit score and make several promises. However, many lure customers with fake claims and exploit them once they agree to a loan. While going with a bad credit lender online, several aspects need to be considered before you can consent to a loan. We considered myriad factors before presenting you with the list mentioned above. Some of the most important are explained below:

Credit Score

This list provides you with the best lenders to borrow money from regardless of your credit situation. We only considered the lending platforms that allowed users to borrow money regardless of their credit situation. The money lending services that allowed people with little to no credit score to borrow large sums of money were preferred over those that gave weightage to credit scores before lending money.

The Reputation of The Lender

The reputation of each money lending platform was of the utmost importance in the compilation of our ranking. To make sure the borrowers did not face any future complications, we gave significant attention to the reputation of each of the lending platforms mentioned above. All the bad credit lenders on our list are known for their services and are famous for being among the most cooperative in customer service and welfare.

Ease of Use

The bad credit lenders that were easy to use and came with a simple application process were preferred highly over the lending platforms that were too complicated to use. All the lenders mentioned above follow an approach that is very simple to understand and does not require the user to go through any lengthy processes. Any layman can use the lenders listed above without seeking any expert help, which is something we gave extra marks.

Time Taken for Deposits

Some lending services guarantee you large sums of money but take weeks to make the deposits, causing delays and several problems. We gave preference to the bad credit lenders that were instant in the services they provided and deposited money quicker than others. All the platforms that made the final cut on our list guarantee deposits within a day, and some do it within 12 hours.

Money Offered

The amount of money offered by each lending platform was also of the utmost importance on our ranking. Some lending services provide quick deposits and are easy to use; however, their money is too little to offer any substantial benefit. Because of this, we made sure the money the bad credit lenders on our list provided the borrower with an ample sum of money that fulfilled all their requirements.

Transparency and Security

As previously mentioned, borrowing money from an online lending platform is sensitive; there is a considerable security risk if you go with the wrong lender. Several scams are being run under the guise of bad credit lending because of this particular reason. We were extra careful in making sure the lenders we went with were transparent in their dealings and offered the highest security possible.

Interest Rate

If you have bad credit, all the loans you get will be at high-interest rates. Because of the risk involved, all the lenders expect high returns, which is why all loans given to people with bad credits come at a high-interest rate. Nevertheless, we tried our best to provide you with a list of lenders that provided competitive and reasonable interest rates while keeping the customer’s best interests in mind.

Fee

Some lending services do not disclose their fee upfront; instead, they have hidden fees that you only find out about after you have received the payment. Keeping this in mind, we only selected the bad credit lenders with no hidden fees and were honest in what they promised. Almost all the lenders listed are free for the borrowers and do not charge extra money.

Customer Reviews

Customer reviews were given more weightage than any other metric because nothing can tell you more about a lending service than real-life reviews. We paid extra attention to the customer reviews of each lending platform to ensure the lenders provided everything they promised.

A Step by Step Guide to Getting a Bad Credit Loan

If you go with any of the services listed on our ranking, you can quickly get a bad credit loan without going through a lengthy process or a lot of hassle.

To get a bad credit loan, follow these steps:

  • Find out your credit score to better understand which lender to go with.
  • Do your research. Find out about the bad credit lenders available online and go with those that suit you. Any of the bad credit lenders on our list will do the job for you.
  • Keep your information and necessary documents at hand. Essential information like your date of birth, correct name spellings, social security number, and detailed financial information, among others, should be readily available to you. Your payslip and income verification, along with information regarding previous loans, should also be available in case the lender asks for it.
  • Fill out the application form and apply for the loan. Follow any other minor steps mentioned online to see the whole process through and get approved by the platform and the lender.

It is as simple as this. All you need to do is gather your essential information, after which you will have to follow the instructions mentioned on the website and fill out the form as directed by the lending platform. Once you have all your data, you can apply for a bad credit loan in less than 5 minutes and have the money in your account within the next few hours.

Advantages of Getting a Bad Credit Loan

A bad credit loan can have a lot of significant advantages that you might not get with other loans. Some of the most common benefits of a bad credit loan are as follow:

Bad credit loans are outstanding for emergencies. If you need urgent cash and cannot find any way of getting it, bad credit loans might be the best idea.

Many bad credit lenders charge lower interest rates than most credit cards. Most credit card companies charge between 18% to 30%, depending on your history and spending. In contrast, interest rates on bad credit loans can be as low as 5% if you go with the right lending platform.

The variety of options you get with bad credit loans is something you won’t get with others. Several bad credit lenders offer loans on different conditions and rates, allowing you to choose between options. This lets you pick the best option for you and save you a lot of money.

Bad credit loans allow you to choose the payment plan. From a few weeks to almost five years, you can pick whichever period suits you the best. The flexibility and convenience of bad credit lenders are hard to find with others.

Timely repayment of bad credit loans can help improve your credit score, meaning you can borrow more money at better rates.

Most bad credit lending platforms have a lot of lenders who compete with each other to provide you with the best possible offer, which means the ball is always in your court when it comes to choosing the right type of loan.

What are Credit Scores, and How Do They Work?

A credit score in the United States denotes the creditworthiness of an individual. It is based on a credit report, which credit bureaus provide. Banks, lenders, and credit card companies all use credit scores to assess an individual’s risk of lending money.

Credit scores decide your eligibility for a loan and the interest rate that loan will be given. Lower credit scores mean a high risk involved in lending money to an individual, which leads to higher interest rates. Whereas good credit scores generally indicate low potential risk, individuals with good credit scores get loans for lower interest rates.

In the United States, there are three major credit bureaus. Namely, TransUnion, Equifax, and Experian. These bureaus keep track of your credit scores through your Taxpayer Identification Number or Social Security Numbers.

The credit reports collected by credit bureaus contain everything from your payment history to any outstanding debts or unpaid loans. All these factors contribute to the credit score assigned to a person. If a person has a history of defaulting on payments and several outstanding loans, they will have a low credit score, making it difficult to borrow money.

What Leads to a Bad Credit Score?

Several factors contribute to a bad credit score, from outstanding long-term debts to unpaid credit card bills. The following are some of the primary reasons for bad credit:

  • Low credit on your credit card can lead to a decrease in your credit score
  • Unpaid loans also lead to a low credit score
  • High amounts of outstanding debt is also a significant contributor to a bad credit score
  • Credit card bills, bank loans, lines of credit, and car loans, among several other factors, can also contribute to your overall credit score.
  • Unpaid student loans also play a significant role in bringing your credit score down.

Other than these, numerous other reasons might affect your credit score depending on your lifestyle and payment history.

What is Considered a Bad Credit Score?

The credit score given by credit bureaus ranges between 300 and 850. A score below 580 is considered poor, and a person having a score below 580 is seen as high-risk, meaning that even if you manage to get someone to lend you money, it will be at a very high-interest rate.

Below are the tiers for different credit scores:

  • Exceptional: 800+
  • Very Good: 740-799
  • Good: 670-739
  • Fair: 580-669
  • Poor: Below 580

Types of Bad Credit Loans

Having bad credit does not mean you cannot borrow money. There are different types of bad credit loans available that can be availed. There are four major types of bad credit loans:

Online Lending Platforms

Online lenders are the most famous type of bad credit lenders today. They not only offer convenience when it comes to borrowing money but also provide the user with the desired amount without asking many questions. Furthermore, they offer instant services, meaning you can apply today and have the money in your account within 24 hours.

Payday Alternative Loans

As the name suggests, Payday Alternative Loans are cheaper alternatives to payday loans. Credit Unions offer these types of loans when affiliated with the National Credit Union Administration. The federal government has capped the interest rate for these loans at 28%, which means they are more affordable than payday loans.

Home Equity Loan

Another way of getting a loan on bad credit is putting your home up as collateral. If you own a house, you can get a loan against it by putting it up as security for the loan. Home equity loans can be availed regardless of your credit score. People with bad credit who have equity in their houses can quickly get a loan. Moreover, these loans tend to be low-interest loans because the house works as security for the loan. However, you need to be aware that if you fail to repay the loan, your home will be confiscated, and you will lose your property.

Borrowing from Close Friends and Family

Borrowing money from friends and family is the last resort; it does not involve any paperwork, and you might even get it without any interest. Nevertheless, you need to consider several factors before asking any acquaintance for a loan because it might damage your relationship if you fail to pay back the borrowed amount.

How much do Bad Credit Loans cost?

Bad credit loans and the repayable amount can vary depending on several factors. Your credit score, the amount you borrow, and your paying capacity can contribute to the interest rate you get with a bad credit loan.

Interest rates for bad credit loans can range anywhere from 4.9% to 35.99%, depending on numerous factors.

If you have a good credit score and make a respectable amount of money, you can borrow more, whereas if you have a poor credit score and do not make enough money, you might not be able to borrow much.

While applying for a bad credit loan, you need to consider several factors, including missed payment fees, early payment fees, and other charges.

How Much Money can you Borrow on Bad Credit?

The borrowable amount varies from lender to lender. Some bad credit lenders allow people to borrow anywhere from $500 to $5000, whereas others might let the user borrow up to $50,000, subject to different factors.

People with higher credit can generally borrow more, while people with terrible credit cannot borrow as much as others.

Alternatives to Bad Credit Loans

There are several alternatives to a bad credit loan. Before applying for a bad credit loan, you need to consider several factors and decide what fits your situation. The following are the best alternatives to bad credit lenders:

Cash Advance Apps

Cash Advance Apps like Chime, Dave, and Earnin are great choices if you need a cash advance on your paycheck. Even though there is a borrowing limit on these apps, they offer great alternatives to bad credit loans and are perfect if you need small amounts of cash for emergencies.

Personal Loans

Personal loans are also suitable alternatives to bad credit loans because they have lower APRs. People with bad credit scores can still borrow from banks and credit unions depending on their situations.

Small Dollar Loans

Several banks offer small-dollar loans, which are great for emergency expenses. For more information on small-dollar loans, you need to contact your banks.

Auto Title Loans

Auto title loans are also an option for people who own a vehicle. These loans allow you to put your automobile up as collateral for a loan. Nevertheless, these should only be used as a last resort because they are pretty expensive and require you to pay the money back within a month. If you default on your payment, your vehicle is seized by the lending entity.

Peer-to-Peer Lending

Numerous online platforms facilitate peer-to-peer. People usually give loans to others for a set interest rate to get a good return on their investment.

What is Needed While Applying for a Bad Credit Loan?

Applying for a bad credit loan is relatively simple; nevertheless, you still need to meet the eligibility criteria and have certain documents ready if you wish to apply for a bad credit loan. Some lenders have different requirements than others. However, most of the bad credit lenders have the following criteria:

  • The borrower must be at least 18 years old
  • Must be resident of the state selected on the loan form
  • A valid phone number and email address
  • An active bank account
  • Must not be bankrupt or planning to file for bankruptcy

Apart from these requirements, some lenders might ask for proof of income. Some lenders also have a minimum monthly income requirement for borrowers on bad credit. Generally, you qualify for a bad credit loan if you earn more than $1,000 per month. Many lenders also require social Security Numbers and Individual Taxpayer Identification Numbers.

Frequently Asked Questions About Bad Credit Lenders

Our team of financial experts gets hundreds of questions each week. Some of the most important and frequently asked questions have been answered below:

Q: What is a bad credit loan?

A: A bad credit loan is a loan you apply for when you do not qualify for other loans because of a bad credit score. Bad credit loans are for people who have a history of unpaid loans and outstanding debts.

Q: Is it possible to get a loan with bad or no credit?

A: Yes, it is possible to get a loan with bad or no credit. You can visit any bad credit lenders on our list to see how much you can borrow on your credit score.

Q: How long does it take for a bad credit loan to be deposited in my bank account?

A: If you go with any of the bad credit lenders mentioned on our ranking, you can get the money deposited into your account within 24 hours or less.

Q: Is there any way to get a loan instantly?

A: Several online lending platforms and cash advance apps can lend you money instantly and provide you with a loan within one working day.

Q: Is there any catch with bad credit loans?

A: The only catch with bad credit loans is that they come with high-interest rates. Lending to a person with bad credit is considered high-risk, so lenders tend to charge high-interest rates for bad credit loans.

Q: How much money can I get with a bad credit loan?

A: The amount borrowed on bad credit varies from lender to lender. Mostly, you can get up to a few thousand dollars if you have bad credit.

Q: Will a bad credit loan affect my credit score?

A: With some lenders, the loan might affect your credit; however, the effect isn’t that much.

Q: What details do I need to apply for a bad credit loan?

A: Your date of birth, phone number, email address, SSN or ITIN, and bank account details are some of the particulars that might be required while applying for a bad credit loan. Some lenders also require proof of income.

Q: Who can apply for a bad credit loan?

A: Anyone over 18 and having any stable source of income can apply for a bad credit loan in their state.

Q: Is it necessary to have a job to apply for a bad credit loan?

A: No, you just need to have a stable source of income to apply for a bad credit loan. If you are self-employed, work online, or have any other source of income, including disability payments, you can apply for a bad credit loan.

Q: Do I need to pay anything while applying for a bad credit loan?

A: No, if you go with any bad credit lenders on our list, you can apply for free and get a bad credit loan offer.

Q: When do I have to pay the loan back?

A: Payment periods vary from lender to lender; some might ask for the payment in a few months, while others might give you a few years.

Q: How will I receive the money from my bad credit loan?

A: Most lenders deposit the money directly in your account, while others allow cash pickups.

Q: When will I know if my bad credit loan has been approved?

A: The lending platform lets you know within a few minutes if your loan has been approved or not. If your loan gets approved, you are presented with several offers.

Q: Can I pay my loan back earlier than decided?

A: Yes, some lenders allow early payments while others might charge an extra fee.

Q: Why do bad credit loans have high-interest rates?

A: A bad credit loan is considered a high-risk investment, so lenders charge higher interest rates than usual when lending money to people with bad credit scores.

Q: Are bad credit loans safe?

A: Yes, it is safe to borrow money if you have bad credit. However, ensure you pay the loan back on time and not default on your payments.

Q: Do I need to put up anything as security while applying for a bad credit loan?

A: No, the best part about bad credit loans is that they do not require any security or collateral. You can apply for a loan without putting any of your valuables up as collateral.

Q: Are there any specific guidelines on how I can spend my bad credit loan?

A: No, you can use the money from a bad credit loan as needed. There are no rules or guidelines on spending your bad credit loans. Nevertheless, you are still expected to make all your payments on time.

Q: Which lender is the best for bad credit loans?

A: Any of the lenders on our list, including PickALender, MoneyMutual, BadCreditLoans, and Next Day Personal Loan along with others, are among the best bad credit lenders found online today.

The Best Bad Credit Lenders of 2022 Final Word

In today’s world, countless lenders offer money to people with bad credit. However, while going with a lending platform, it is essential to do your homework and consider everything.

If you need a loan on bad credit, you can go with any of the bad credit lenders listed above, and you can rest assured that the process will be smooth and easy. All the bad credit lenders mentioned above are the best and backed by many customers who have turned to them in difficult times.

ALSO READ:

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Best Bad Credit Loans – The Most Recommended Short-Term Personal Lenders That Work

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It’s possible to get a loan, even with bad credit. Scores of reputable lenders offer bad credit loans. Therefore, a person with a bad credit score, an average credit score, or even no credit score can still borrow money from these lenders.

However, the borrower must get it right the first time by knowing where to look. To help borrowers locate the best bad credit lenders, our lending experts contacted bad credit companies, scrutinized financials, and engaged real customers about their experiences. In the end, we ranked the top bad credit lenders of 2022.

The Best Bad Credit Loan Providers of 2022

After thorough analysis and much deliberation, our editorial team ranked the following as the best bad credit lenders of 2022:

  • MoneyMutual
  • BadCreditLoans
  • PickAlender
  • CashUSA
  • PersonalLoans
  • LendYou
  • Next Day Personal Loan
  • Upgrade Personal Loans
  • Payzonno

Here’s a rundown of each of these companies:

MoneyMutual

MoneyMutual is one of the bad credit lenders to consider in 2022. According to its official website, the digital lending platform has helped more than two million customers get cash loans from more than 120 lenders across the United States. At MoneyMutual, services are fast and secure.

It allows borrowers to access up to $5,000 in their accounts within 24 hours. Importantly, the popular platform imposes no stringent conditions, with borrowers only required to give brief information to MoneyMutual, which forwards it to the lender for review. The lender transfers the money to the borrower’s account within 24 hours.

The main advantage of MoneyMutual is that it offers its services at no cost. Borrowers just need to fill out a form and submit their information through MoneyMutual’s online marketplace at no cost. If a lender is interested in a borrower, it’s the lender to pay MoneyMutual while the borrower pays the lender.

  • Takeaway: Users can borrow $5,000 in as little as 24 hours.

BadCreditLoans

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Available online at BadCreditLoans, this platform allows users to borrow between $500 and $10,000 via a simple, digital application process. To get started, a customer just enters the ZIP code, the last four digits of their SSN, and date of birth to complete the application process. The customer can instantly see whether they qualify.

Just like MoneyMutual, BadCreditLoans offers its services completely free of charge. The platform connects borrowers with lenders, which eventually pay the company for bringing a customer. The borrower only pays the lender and not BadCreditLoans.

This platform connects borrowers with the best possible lenders through a hassle-free digital application process. All the same, BadCreditLoans embrace a high level of transparency and honesty. It’s honest about lenders’ fees and even offers tips on avoiding scammers.

  • Takeaway: Users can borrow between $500 and $10,000 in as little as 24 hours

PickALender

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PickALender is another ideal platform for anyone looking for a bad credit loan. The online lending platform allows users to borrow personal loans from as little as $100 to as much as $40,000. Users only have to fill out a digital form and immediately see the offers available. This process takes two minutes or less.

PickALender functions in a similar way to both BadCreditLoans and MoneyMutual. PickALender collaborates with dozens of lenders while it creates a suitable marketplace where borrowers can get the best deal based on each unique situation. The platform gives borrowers a hassle-free way of getting loans, even with bad credit. More importantly, it’s transparent and offers fast fund delivery.

  • Takeaway: Users can borrow between $100 and $40,000 within one business day.

CashUSA

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CashUSA allows users to consolidate debt for remodeling their homes or taking a vacation even with bad credit. Users can secure up to $10,000 in loans on this platform through four easy steps. Customers need to complete a digital form and connect with a lender. They can then accept the offer and wait for the funds to reflect in their accounts.

Like the other previously mentioned platforms, CashUSA serves as an intermediary between borrowers and lenders. The platform engages dozens of lenders nationwide, which compete to do business with borrowers. This means the customers can get the best possible offers.

In an online form provided by the platform, customers just need to enter their ZIP code, the last four digits of their SSN, and the date of birth to qualify for up to a $10,000 loan. CashUSA is also popular for its transparency. The platform aims to facilitate faster loans from reliable lenders.

Once approved, the disbursement process takes only 24 hours or less. The entire process is discreetly online, so borrowers don’t feel embarrassed.

  • Takeaway: Customers can borrow between $500 and $10,000 within 24 hours.

PersonalLoans

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This online lender allows customers to borrow money even with a bad credit score. PersonalLoans serves people with both good and bad credit scores. The website is user-friendly with a seamless digital application process that makes everything hassle-free.

PersonalLoans allow customers to request between $1000 and $35,000 from the platform’s network of reliable lenders. It offers the service at no cost without any hidden fees or obligations. Customers need to enter personal information into the online form and view their offers to get started.

Additionally, Personal Loans allow customers to customize their loans and terms. For instance, customers can choose from a pool of lenders and even view the loan offer upfront. This allows borrowers to decide what works for them.

  • Takeaway: Customers can borrow between $1000 and $35,000 in 24 hours.

LendYou

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LendYou is another platform to recommend for anyone looking for a bad credit loan from reliable lenders. The popular platform helps users pay for emergency medical bills, car repairs, or any other short-term emergency of their choice. The application is made online, and once it’s completed, the lenders dispense the funds to the borrower’s account as soon as possible.

Like other bad credit lenders listed here, LendYou is open to anyone with good or bad credit history. The platform works faster, and everything takes place discreetly online. To get started, one has to be at least 18 years old, have an official checking account, and have a minimum regular income of $1000 per month.

Besides, the borrower should not be a United States military member. Once qualified, the customer can get up to $2500 transferred to their account in as little as 24 hours.

  • Takeaway: Customers can borrow from $100 to $2500 within 24 hours.

Next Day Personal Loan

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Next Day Personal Loan is another reputable bad credit platform that allows customers to acquire a bad credit loan in three simple steps. Customers just have to fill out an online form that takes two minutes. The last two steps involve reviewing and signing the documents before the money is dispatched to the borrower’s account.

The platform offers a fast disbursement within one business day. The main advantages of using the Next Pay Day Loan platform include fast disbursement of funds, multiple lending partners, and secure data security with 256-bit encryption. Importantly, the platform embraces all credit scores.

  • Takeaway: Customers can borrow between $100 and $40,000

Upgrade Personal Loans

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Upgrade allows customers to take a maximum of $50000 in personal loans. This makes it the only platform on the list that offers the highest amount, as no other lender gives more than $40,000. After application, Upgrade allows customers to view offers in just minutes.

Besides, customers can get low fixed rates and see the rates they can afford, all within a few steps. The entire process is easy, transparent, and hassle-free. The San Francisco-based lending firm offers between 5.94% and 35.97% APRs, which makes it one of the more affordable platforms on this list.

  • Takeaway: Customers can borrow between $1000 and $50000 in as little as one business day.

Payzonno

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Payzonno could be the most undemanding bad credit lender on this list. The platform uses a chatbot to greet customers with a simple quiz. The chatbot asks customers about their financial background and current financial situation. The bot gives a corresponding loan amount based on the customer’s responsibility.

Payzonno is open for anyone with a bad credit score, offering thousands of dollars to its customers. It even offers more for those who can provide proof of monthly income. Importantly, the services are free. Once the customer submits information, Payzonno connects the buyer with a reliable lender. The borrower can choose the most suitable lender based on the terms and fees charged.

  • Takeaway: Users can borrow between $100 and $5000 based on their credit score, status of residence, and other factors.

How We Ranked the Best Bad Credit Lenders

Every lender promises to deliver a secure personal loan. However, only a few live up to this promise, especially for bad credit loans. To draw a line between the best and worst bad credit companies, our team used the following metrics:

Ability to Accept Low or No Credit

People with good credit scores don’t need bad credit lenders. They have many borrowing options. Our team exclusively considered lenders that accepted low or no credit scores for this ranking.

Faster Transfer of Funds

Reliable lenders transfer money into the borrower’s account within 24 hours. Some even do it within 6-12 hours. This listing considered lenders that could transfer funds to the borrower’s account within 6-24 hours.

Company Reputation and Record of Accomplishment

Some bad credit companies are new, so they have a limited record or achievements. Other lenders have a well-established history of offering quality personal loans to customers of varying credit scores. Without being biased against new companies, our team considered lenders with a great reputation and track record.

Loan Range

Some lenders allow customers with bad or no credit to borrow up to $5000 within 24 hours. Other companies attract customers with giant deposits and eventually withdraw the offer after discovering the credit score.

Ease of Application Process

Some bad credit companies have functional, easy-to-use websites. Others use outdated user interfaces and poor design. We considered lenders that offered an easy application process to facilitate the loan in a few minutes for this list.

Customer Reviews

Our team tested each bad credit lender’s website wherever possible. Additionally, we considered customer reviews in our rankings, reading thousands of them to ensure our chosen lenders had a history of giving money to clients.

Honesty and Transparency

Many payday loan websites available out there are shady. Some are scams, immediately harvesting users’ personal and financial information. Other reputable lenders offer bad credit loans with no history of defrauding clients. Some companies are honest about their locations, while others are vague about their deals. We preferred honest and transparent bad credit lenders.

Interest Rate and Overall Cost

Bad credit lenders offer different rates for the interest charged on the loans. Usually, bad credit loans attract higher interest rates than regular high credit loans. This means borrowers should expect higher interest rates. However, bad credit loans cannot exceed certain interest rate limits legally. Our team considered interest rate and overall cost for this list.

Fee Transparency

Some bad credit companies attract low-interest rates and reveal hidden fees later. While all bad credit lenders charge higher fees, some are openly unreasonable. We considered bad credit lenders that were honest and transparent with their charges.

How to Get Bad Credit Loan: Step-by-Step Guide

The process should be straightforward to get started with a bad credit loan. Here’s a systematic guide on how to go about it:

  • Step #1: Check your credit score to understand better which lender to work with.
  • Step #2: Research your options from the pool of thousands of bad credit lenders online. Any company on this list is certified and popular.
  • Step #3: Get the application documents and verification data ready, including name, date of birth, and financial information. Some lenders also require proof of income, debt-to-income ratio, and other details. Others don’t.
  • Step #4: Start the application process by filling out the online application form from your preferred lender. Submit the application form and wait for approval from the lender. You can have money in your account within an hour.

After gathering information and checking your credit score, the remaining process takes two and three minutes. Most online lenders are easy to work with, and after submitting your information, you can be ready to get money.

Top 5 Advantages of Bad Credit Loans

Getting a bad credit loan comes with several advantages. Here are the most important benefits:

  • Fast Cash: Bad credit lenders can give you money as fast as possible, especially if you need to pay for emergency expenses.
  • Lower interest rates than credit cards: Several bad credit companies charge lower interest rates than credit cards. The interest rates on credit cards range between 18% and 30% annually. However, bad credit loans charge between 4.9% and 35.99%. This makes them more affordable than using credit cards to borrow money.
  • Multiple lender options: With bad credit companies, users have multiple options, even with bad credit.
  • Personalized repayment term duration: A bad credit loan could last as short as two weeks or as long as five years. Bad credit lenders customize the repayment terms based on their unique needs.
  • A bad credit loan can improve a borrower’s credit score. This is possible when customers make on-time payments for their loans. The credit score improves when one makes timely repayments.

How Do Credit Scores Work?

Many people don’t understand how credit scores work. In the United States, three major credit bureaus exist—Experian, Equifax, and TransUnion. Each bureau tracks the user’s information based on their social security number (SSN) or Individual Taxpayer Identification Number (ITIN).

Each credit bureau contains a detailed report on each citizen. A credit report contains an individual’s payment history, ability to pay debts, and the loans acquired over the years. With this information, the credit bureau gives a person a score according to the possibility of repaying money lent.

Why Do I have Bad Credit?

When credit bureaus calculate a credit score, they consider several factors. A bad credit score is likely to be due to one or more of these factors:

  • The duration of time taken with credit; the shorter the duration, the higher the score
  • The amount of money owed on current debts loans
  • The amount of the available credit the person is using
  • The types of credits a person has, such as bank loans, credit cards, car loans, and lines of credit
  • How much new credit does a person own?
  • How often does the person pay credit on time, have missed payments, or declared bankruptcy?

With this information, the credit bureau assigns good or bad credit. People should also note that a credit report could fluctuate. For instance, just paying your student loan could make your credit score go up. Similarly, getting a new credit card could boost your credit score by increasing your available limit. However, once you start using that credit, your credit score reduces.

What is a Bad Credit Score?

Lending companies often rate borrowers based on their credit scores. For instance, those with less than 580 are considered risky borrowers. If the credit score is below 580, the lender considers that borrower high-risk because of non-payment of credit.

The general guidelines for good and bad FICO credit scores include:

  • 800 and above: Exceptional Credit
  • 740 to 799: Very Good Credit
  • 670 to 739: Good Credit
  • 580 to 669: Fair Credit
  • Below 580: Poor Credit

Top 4 Best Types of Bad Credit Loans

Even with bad credit, it’s still possible to borrow money. The following methods allow you to borrow money, even with bad credit:

Online Lenders

Online lenders are the most popular agents of bad credit loans. These lenders facilitate faster credit for all credit scores online like those listed here. A person with bad credit often pays more than one with a good credit score. All the same, it’s possible to borrow money even with a bad credit score.

Payday Alternative Loans (PALs)

Mainly offered through the National Credit Union Administration, payday alternative loans are another way to obtain loans with bad credit. These loans are usually cheaper than regular payday loans. Besides, borrowers can pay the loans within a few months instead of just a single pay period. According to federal regulations, all interest on PALs is capped at 28%, making them a much cheaper alternative than payday loans.

Friends or Family Borrowing

When you borrow money from your family and friends, they don’t ask for your credit score before they lend you money. While it’s always not a good idea to mix business with pleasure, you can consider borrowing money from friends and relatives before exploring other options.

Home Equity Loan with Bad Credit

People with home equity can easily apply for a home equity loan or a home equity line of credit (HELOC). When that happens, the home becomes the collateral for the loan. This method also doesn’t ask for the borrower’s credit score.

Home equity loans often have low-interest rates because the property secures the loan. However, the interest levied on the loan could be tax-deductible. The main advantage of this method is that if you fail to repay the debt, you lose your home.

How Much Does a Bad Loan Cost?

The rates levied on bad credit loans vary according to the borrower’s credit score, state of residence, and financial background. The bad credit lenders mentioned on this list charge between 4.9% and 35.99%. With a higher credit score and more proof of income, one can borrow more.

Importantly, borrowers should check bad credit loan statements carefully before sealing the deal. Some companies charge additional fees, missed payment fees, and other charges.

How Much Can One Borrow?

As mentioned on this list, most bad credit lenders offer between $500 and $5,000. Some lenders even allow borrowers to take as little as $100, and some increase their limits to $50,000. Usually, customers with higher credit scores and more proof can borrow more money.

Most bad credit companies transfer money to the borrower’s account in as little as one business day. Some lenders even transfer the money within hours after approval.

Other Bad Credit Loan Alternatives

In case of an emergency financial need, a bad credit loan comes in handy. However, there are alternatives. Based on the situation, a person may want to consider other options instead of the ones on this list:

Interest-Free Cash Advance Apps (Earnin, Dave, or Chime)

Some apps allow customers to get quick, interest-free advances on their paychecks. They include Dave, Earnin, and Chime, among others. Borrowers must meet eligibility requirements to use these apps. Besides, there’s a limit on how much one can borrow. Overall, they also allow people with bad credit to get cash in advance.

Personal loans

These loans are obtainable from banks, credit unions, or other online lenders. Personal loans often attract lower APRs compared to bad credit loans. Even with a lower credit score, one can still get a loan from any options mentioned above.

Small-dollar loans

Small-dollar loans are available for emergency expenses. These loans are available from some of America’s largest banks. For example, Bank of America runs a program known as Balance Assist, while the US Bank runs the Simple Loan program. These programs can offer short-term loans to their existing customers in good standing with these programs.

Peer-to-peer lending

This form of lending has been active for more than a decade. Peer-to-peer websites connect borrowers with reliable lenders. Some of the sites even use crypto. It’s another option for getting money for emergency expenses.

Auto title loans

A borrower uses their vehicle as collateral to secure an auto title loan in this option. These loans are expensive and should only come as a last resort. Borrowers have to repay the loans within 30 days, which is the lender’s possession of the borrower’s vehicle.

Requirements for Applying for Bad Credit Loans

Borrowers of bad credit loans need to meet certain specific requirements. They also need to verify certain documents before applying for a loan. These requirements vary from one lender to another and from one state to another. Generally, here are the requirements for applying for a bad credit loan:

  • The borrower should be at least 18 years of age
  • The borrower should be residing in the state chosen in their loan application
  • Should have a valid, active email address and phone number
  • The borrower should give proof of an active bank account that has been active for at least one month
  • The borrower should not be a debtor or in a bankruptcy case nor intend to file for bankruptcy relief

In addition to these requirements, some bad credit lenders require borrowers to provide evidence of a steady source of recurring income such as employment, retirement funds, disability payments, or other reliable sources of income.

Overall, one qualifies for a bad credit loan if they have more than $1000 monthly from all sources. Some lenders also require a valid SSN or Individual Taxpayer Identification Number (ITIN).

How Much Does a Bad Credit Loan Cost?

The cost of a bad credit loan varies widely from one lender to another. Generally, it costs about $15 to borrow $100 from a payday lender, according to the Consumer Financial Protection Bureau. This amounts to an APR of 391% for a 14-day loan. Even so, not all bad credit lenders work like payday lenders.

Many bad credit lenders serve borrowers across the divide—people of all credit scores. But they charge higher rates for borrowers with bad credit scores. Besides, they provide faster transfer services.

How Much to Borrow with a Bad Credit Loan?

Those who are targeting bad credit lenders can borrow between $300 and $1,500 based on the lending regulations in the state. However, if you opt for a personal loan, the amount could be higher. Some lenders offer between $5000 and $15000 even if one has a bad credit score.

The Best Bad Credit Loan Providers of 2022 Final Word

According to the Federal Reserve, 4 out of 10 Americans cannot generate $400 in an emergency. Fortunately, even with bad credit, several options are available to explore. These offers include payday lenders, short-term lenders, and many more. Besides, they are easily accessible, and this list can get you started. Try a top bad credit loan provider above today!

ALSO READ: Fast Credit Lines Review (Fix Flip Credit) Personal Credit Report Worth It?

Affiliate Disclosure:

The links contained in this product review may result in a small commission if you opt to purchase the product recommended at no additional cost to you. This goes towards supporting our research and editorial team. Please know we only recommend high-quality products.

Disclaimer:

Please understand that any advice or guidelines revealed here are not even remotely substitutes for sound medical or financial advice from a licensed healthcare provider or certified financial advisor. Make sure to consult with a professional physician or financial consultant before making any purchasing decision if you use medications or have concerns following the review details shared above. Individual results may vary and are not guaranteed as the statements regarding these products have not been evaluated by the Food and Drug Administration or Health Canada. The efficacy of these products has not been confirmed by FDA, or Health Canada approved research. These products are not intended to diagnose, treat, cure or prevent any disease and do not provide any kind of get-rich money scheme. Reviewer is not responsible for pricing inaccuracies. Check product sales page for final prices.

Best Bad Credit Loans – The Most Trusted Bad Credit Lender Platforms

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You can still get a loan with bad credit.

Hundreds of lenders specialize in bad credit loans. Thanks to these lenders, you can borrow money even with a bad credit score.

Whether you have a bad credit score, no credit score, or an average credit score, you can borrow money from reputable companies – if you know where to look.

Our lending experts contacted bad credit loan providers, analyzed financials, and talked to real customers about their borrowing experience. Based on our analysis, we ranked the best bad credit loan providers of 2022.

The Top Bad Credit Lenders of 2022

After much deliberation, here’s how our editorial team ranked the best bad credit lenders of 2022:

  • MoneyMutual
  • BadCreditLoans
  • PickALender
  • CashUSA
  • PersonalLoans
  • LendYou
  • Next Day Personal Loan
  • Upgrade Personal Loans
  • Payzonno

MoneyMutual

MoneyMutual is an online lending platform that has helped 2,000,000+ customers get cash advances. It’s a fast, popular, and secure platform that connects you with 120+ lenders across the United States.

According to MoneyMutual, borrowers can get up to $5,000 in their account in as little as 24 hours. Just provide your info to MoneyMutual, let lenders review your information, and then get your money deposited directly into your account within as little as 24 hours. That’s it.

One of the best perks of MoneyMutual is that it’s a no-cost service. It costs nothing to fill out a form and submit information through MoneyMutual’s online marketplace. If a lender wants to lend you money, that lender pays MoneyMutual, and you pay the lender. However, MoneyMutual does not charge users extra fees.

Borrow: Up to $5,000 within as little as one business day

BadCreditLoans

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BadCreditLoans found online at BadCreditLoans.com, lets you borrow $500 to $10,000 using an easy, online application process.

To start, just enter your ZIP code, the last four digits of your SSN, and your date of birth. That’s it. You can immediately see if you qualify.

Like MoneyMutual, BadCreditLoans is 100% free. The company connects you with lenders then charges those lenders a fee to do business with you. You pay the lenders to borrow money, but you don’t pay BadCreditLoans anything. That means you get the best possible lender while enjoying a hassle-free online application process.

BadCreditLoans also emphasizes transparency. The company is open and honest about lenders’ fees, for example, and provides tips on avoiding scams. Overall, BadCreditLoans makes it easy and affordable for people with bad credit to borrow money online.

Borrow: $500 to $10,000 within as little as one business day

PickALender

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PickALender is an online lending platform that lets you get personal loans from $100 to $40,000. Complete the online form in 2 minutes to immediately view offers in your area.

Like BadCreditLoans and MoneyMutual, PickALender gets lenders competing for your business. PickALender doesn’t provide loans directly; instead, they partner with dozens of lenders, creating a lending marketplace that makes it easy to get the best possible deal based on your unique situation.

With a nationwide marketplace of lenders, transparent fee structures, and fast fund delivery, PickALender makes it hassle-free for people with bad credit to get a good loan.

Borrow: $100 to $40,000 within as little as one business day

CashUSA

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CashUSA lets you consolidate debt, remodel your home, or take a vacation even if you have bad credit. You can secure a loan of up to $10,000 in 4 easy steps. Just complete the online form, connect with a lender, accept the offer, and wait for funds to appear in your account.

CashUSA connects borrowers with lenders. By getting lenders to compete for your business, CashUSA can ensure you are presented with the best possible offer. You can request up to $10,000 just by entering your ZIP code, the last four digits of your SSN, and your date of birth into the online form.

We also like CashUSA because of its transparency. The company’s goal is to connect you with lenders who quickly get you cash in hand. An approved loan can be electronically deposited into your account as early as one business day. There’s no embarrassment, and the entire process is completed discreetly online.

Borrow: $500 to $10,000 within as little as one business day

PersonalLoans

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PersonalLoans is an online lender that makes it easy to borrow money regardless of your credit score. Available to people with good and bad credit alike, PersonalLoans has a user-friendly website and a seamless online application process that makes borrowing easy.

With PersonalLoans, you can request to borrow $1,000 to $35,000 from the company’s network of third-party lenders. PersonalLoans provides this service to borrowers at no cost, and there are no hidden fees or obligations. Just enter your personal information into the online form, then immediately view offers from lenders.

Another perk of PersonalLoans is that you can customize the rates and terms. You can choose from multiple lenders, for example, and review your loan offer before deciding what works for you.

Borrow: $1,000 to $35,000 within as little as 1 business day

LendYou

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LendYou is a popular and well-rated lender designed to help you quickly pay for car repairs, medical bills, and other short-term emergencies – or whatever you like. After completing the online application process, LendYou.com’s lenders will quickly dispense funds, allowing you to get the cash you need as soon as possible.

Like other bad credit lenders on our list, LendYou welcomes people with all credit histories. Whether you have a good or bad credit score, you can get the money you need with LendYou – all delivered quickly online.

To qualify for LendYou’s lending service, you need to be 18 years of age or older, have a valid checking or savings account with direct deposit, have a minimum regular income of $1,000 per month, and not be a member of the United States military. If you qualify, you could have thousands of dollars in your account within one business day.

Borrow: $100 to $2,500 within as little as one business day

Next Day Personal Loan

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Next Day Personal Loan lets you find a loan in 3 easy steps. Just fill out the Next Day Personal Loan form in 2 minutes, review and sign the documents, and get your funds as soon as the next business day.

Perks of Next Day Personal Loan include fast delivery, multiple marketplaces and lending partners, strong data security with 256-bit encryption, and consideration of all credit scores. Whether you have a low or high credit score, you can complete the Next Day Personal Loan online application process.

Another perk of the Next Day Personal Loan is the amount you can borrow. Some borrowers can access up to $40,000 through the site, making it one of the biggest borrowers on our list.

Borrow: $100 to $40,000 within as little as one business day

Upgrade Personal Loans

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Upgrade Personal Loans offers personal loans up to $50,000. No other lender on our list provides more than $40,000.

By applying to Upgrade online, you can view offers in minutes, get low fixed rates, and see your affordable monthly payment – all within a few steps. It’s an easy, transparent, and hassle-free service that makes borrowing easy.

Upgrade Personal Loans is a San Francisco-based company that offers 5.94% to 35.97% APRs, making them one of the more affordable options on our list. The better your credit, the less you’ll pay. However, people with all credit levels pay competitive rates for Upgrade personal loans.

Borrow: $1,000 to $50,000 within as little as 1 business day

Payzonno

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Payzonno may be the most straightforward bad credit lender on our list. At Payzonno, you’re greeted with a simple quiz via chatbot. The chatbox asks you about your background and financial situation. Then, it offers you a loan amount based on that situation.

Even if you have a bad credit score, you could get thousands of dollars through Payzonno. If you can provide proof of monthly income, you could receive even more.

Payzonno provides its services for free. After submitting information to Payzonno, the company gets lenders competing on your behalf. You can choose the lender with the best terms and fees. Loan amounts range from $100 to $5,000, depending on your credit score, state of residence, and other factors. Just take a few minutes to complete the quiz to view offers in your area quickly.

Borrow: $100 to $5,000 within as little as one business day

How We Ranked The Top Bad Credit Lenders

All lenders claim to make it easy to secure a personal loan. However, not all lenders are created equal – especially when looking for bad credit loans. We used the following metrics to separate the best and worst bad credit lenders:

Acceptance of Low Credit and No Credit

You don’t need this list if you have a good credit score. There are plenty of borrowing options available. We exclusively looked at lenders that accepted bad credit scores and no credit scores for this list. Having a bad credit score or no credit score should not prevent you from getting money when you need it most.

Speed of Deposit

Good lenders deposit money into your account within 24 hours. Some of the top lenders do it within 6 to 12 hours. We considered the speed of the deposit in our rankings. When looking for bad credit loans, you generally need money fast. That’s where bad credit lenders can help.

Company Reputation & Track Record

Some bad credit lenders are new companies with a limited track record. Other companies have a long and proven track record for providing quality loans to people with different credit scores.

Amount of Money Available

Some bad credit lenders let you borrow up to $5,000 in as little as 24 hours with bad credit or no credit. Others lure you in with claims of giant deposits, only to withdraw that offer when they discover your credit score.

Ease of Application Process

Some bad credit lenders have invested millions into creating highly functional and usable websites. Others use dated UIs with poor design. We considered the overall ease of the application process in our ranking, and we preferred websites that made it easy to complete the application within minutes.

Customer Reviews

We tested each bad credit loan website wherever possible. However, we also considered customer reviews in our rankings. We read thousands to ensure that our recommended bad credit lenders had a proven track record of providing money to clients.

Honesty & Transparency

You can find plenty of shady payday loan websites available today. Some of them are outright scams, and they’ll immediately steal your financial and personal information. Others are reputable companies specializing in bad credit loans without running a scam. Some companies disclose their location and history upfront. Other companies are vague about their entire operation. We preferred bad credit lenders that were honest and transparent.

Interest Rate and Overall Cost

Bad credit loan providers compete with one another based on interest rates. Bad credit loans are always more expensive than high credit loans, so you should expect higher interest rates. However, by law, bad credit lenders cannot exceed certain interest rate limits. We considered interest rate and overall cost in our rankings.

Fee Transparency

Some bad credit lenders dazzle you with low-interest rates, only to surprise you with hidden fees. All bad credit lenders charge higher fees, but some lenders are downright unreasonable.

How to Get a Bad Credit Loan: Step by Step Guide

Getting a bad credit loan is straightforward. Many companies specialize in providing bad credit loans.

Want to get a bad credit loan? Here’s a step by step guide:

  • Step 1) Check your credit score. It gives you a better idea of which lender you can work with.
  • Step 2) Research lender options. There are thousands of bad credit lenders available online. Any of the top-ranked ones on our list are proven and popular.
  • Step 3) Gather application documents. Get verification information ready for the lender, including your name, birth date, and financial information. Some lenders ask for income verification, debt-to-income ratio, and other details, while others do not.
  • Step 4) Apply for a bad credit loan. That’s it! You’re ready to complete the online application process for your bad credit lender. Simply complete the steps online, then wait for the approval. You could have cash in your account within an hour.

Once you’ve gathered information and checked your credit score, the rest of the process takes just 2 to 3 minutes. Most online lenders make it very easy to request money. Enter your information, then get ready to receive your money.

Top 5 Advantages of a Bad Credit Loan

There are several significant advantages to getting a bad credit loan. However, the most important benefits include:

  • Get Cash Fast: Bad credit loans are designed to get money into your account as quickly as possible. Bad credit loans are one option if you need to pay for emergency expenses and need cash ASAP.
  • Lower Interest Rates than Credit Cards: Many bad credit lenders charge lower interest rates than credit cards. Credit card interest rates range from 18% to 30%, while some charge less than 10% per year. Generally, bad credit loans vary from 4.9% to 35.99%, which could make them a more affordable option than borrowing money on your credit card.
  • Multiple Lender Options: You have many lender options, even with bad credit. There are more bad credit lenders than ever. In fact, by getting lenders to compete for your business online, you can get surprisingly good interest rates even with bad credit.
  • Customizable Repayment Term Length: Some bad credit loans last two weeks. Others last 1 to 5 years. You can customize repayment terms based on your unique needs with bad credit loans.
  • Improve Your Credit Score: You can improve your credit score if you make on-time payments for your bad credit loan. Your credit score improves when you consistently make on-time payments.

How Do Credit Scores Work?

If you don’t understand credit scores, then that’s okay: it’s a complicated system with many moving parts.

The United States has three major credit bureaus, including Experian, Equifax, and TransUnion. Each bureau tracks information based on your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).

Each credit bureau has a detailed report on you. That credit report includes your payment history on any debts or loans accrued over the years. Based on this information, the credit bureau assigns you a score based on your likelihood of repaying money someone lends to you.

Why Do I Have Bad Credit?

Credit bureaus consider hundreds of factors when calculating your credit score. If you have bad credit, then it’s likely related to one or more of the following factors:

  • The length of time you’ve had credit, the higher your score will be
  • The amount you owe on current debts or loans
  • The amount of your available credit you are using
  • The types of credit you have, including credit cards, bank loans, car loans, and lines of credit
  • How much new credit you have
  • How often you pay your debt on time or have missed payments or declared bankruptcy

The credit bureau will assign you a good or bad credit score based on these factors. Your credit score fluctuates. If you just paid off your student loan, for example, then your credit score should go up. If you just received a new credit card, your credit score should increase because you have more available credit. As you start using that credit, your credit score will go down.

What is a Bad Credit Score?

Lenders consider you a risky borrower if your credit score is less than 580. Below that score, the lender sees you as high-risk for not repaying your credit.

Here are the general guidelines for good and bad FICO credit scores:

  • Exceptional Credit: 800 and above
  • Very Good Credit: 740 to 799
  • Good Credit: 670 to 739
  • Fair Credit: 580 to 669
  • Poor Credit: Scores below 580

Top 4 Best Types of Bad Credit Loans

Yes, you can still borrow money with bad credit. If you have a bad credit score, then you can borrow money through one of the following five methods:

Online Lenders

Online lending is more popular than ever. Online lenders, including any of the lenders listed above, make it easy for people with all credit scores to borrow money online. As someone with bad credit, you pay more than someone with good credit. However, you can quickly and instantly borrow money from many online lenders even with a bad credit score.

Credit Union Payday Alternative Loans (PALs)

Some credit unions are part of the National Credit Union Administration, which means they offer payday alternative loans (PALs). These loans are cheaper than payday loans, and they allow borrowers to repay the loan over a few months instead of as a single pay period. Federal regulation caps PALs at an interest rate of 28%, making them much cheaper than payday loans.

Borrow from Friends or Family

Friends and family don’t care about your credit score, and they won’t check your credit score before lending money. Mixing business and pleasure isn’t always a good idea, but many people borrow from friends or family before turning to other borrowing options.

Home Equity Loan with Bad Credit

If you have equity in your home, you can apply for a home equity loan or a home equity line of credit (HELOC). In this case, your home is collateral for the loan, and you borrow money regardless of your credit score. HELOCs tend to have low-interest rates because your home secures the loan. Interest on your home equity loan may be tax-deductible. The main downside, of course, is that failing to repay the debt could cause you to lose your property.

How Much Does a Bad Credit Loan Cost?

Bad credit loan rates vary depending on your credit score, financial background, and state of residence.

Generally, however, the bad credit lenders listed above charge 4.9% to 35.99%.

The higher your credit is, or the more proof of income you provide, the more you can borrow.

Check the bad credit loan statement carefully for additional fees, including early payment fees, missed payment fees, and other charges.

How Much Can I Borrow?

Most bad credit lenders let you borrow between $500 and $5,000.

However, some lenders let you borrow as little as $100, while others lend as much as $50,000.

The higher your credit is, or the more income verification you can provide, the more money you’ll be able to borrow.

Most bad credit lenders deposit the money into your account within one business day—some deposit the money within hours of application.

Other Bad Credit Loan Alternatives

Bad credit loans are helpful. However, there are alternatives. Depending on your situation, you may want to consider the following instead of the bad credit lenders listed above:

Interest-Free Cash Advance Apps (Earnin, Dave, and Chime)

Apps like Earnin, Dave, and Chime have surged in popularity for offering interest-free advances on paychecks up to two days in advance. You must meet eligibility requirements to use these apps, and there’s a limit on how much you can borrow. However, they could allow people with bad credit to get an interest-free cash advance.

Personal Loan from Bank, Credit Union, or Online Lender

Personal loans have lower APRs than bad credit loans. Even if you have a bad credit score, you may be able to receive a loan from a bank, credit union, or online lender.

Small Dollar Loans for Emergency Expenses

Some of America’s largest banks offer small-dollar loans to cover emergency expenses. Bank of America provides Balance Assist, for example, and US Bank offers Simple Loan. These banks provide short-term funds to existing customers in good standing. Ask your bank about a small-dollar loan.

Peer-to-Peer Lending

Peer-to-peer lending platforms have been popular for over a decade. These websites connect lenders with borrowers. Lenders want to earn interest on their savings, while borrowers need money. Some peer-to-peer lending sites have emerged that use crypto.

Auto Title Loans

You use your vehicle as collateral to borrow money with an auto title loan. You should only use an auto title loan as a last resort. Auto title loans are expensive, and they generally require you to repay the loan in 30 days. If you can’t pay within 30 days, the borrower legally takes possession of your vehicle.

What Do I Need When Applying for a Bad Credit Loan?

Before applying for a bad credit loan, you may need to meet specific requirements and verify certain documents. Lenders have different rules, as do States.

Generally, you need all of the following when applying for a bad credit loan:

  • Be at least 18 years of age
  • Reside in the state you selected on your loan application
  • Have a valid and active email address or phone number
  • Provide proof of an active bank account that has been opened for at least one month
  • Not currently a debtor in a bankruptcy case or intend to file for bankruptcy relief

Some bad credit lenders also require you to provide proof of a steady source of recurring income, like employment, self-employment, retirement funds, disability payments, or other income sources. Generally, you qualify for a bad credit loan as long as you have more than $1,000 per month from all sources.

Some lenders require a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), while others do not.

How Much Does a Bad Credit Loan Cost?

Bad credit lending costs vary widely between providers. According to the Consumer Financial Protection Bureau, it typically costs around $15 to borrow $100 from a payday lender. That’s an APR of 391% for a two-week loan.

However, not all bad credit lenders function like payday lenders. Many bad credit lenders lend to people of all credit scores – they just charge higher rates to people with bad credit scores. You still pay less than a payday loan, and you get money fast.

How Much Can I Borrow with a Bad Credit Loan?

You should be able to borrow $300 to $1,500 with a bad credit score, depending on lending regulations in your state.

However, if you get a personal loan, you might be able to borrow even more. Many online lenders let you borrow $5,000 to $15,000 even if you have a bad credit score.

FAQs About Bad Credit Loans

Our bad credit lending experts get plenty of questions about bad credit loans and how they work. Here are our responses to our most frequently asked questions.

Q: What is the most accessible type of loan to get with bad credit?

A: Many popular online lending websites make it easy to get a loan with bad credit. Just apply online and receive offers within minutes. It’s fast, easy, and convenient regardless of credit score.

Q: Can I get a loan with no credit?

A: If you have bad credit or no credit, look for a no credit check loan. These loans are more expensive, but they allow you to access money with a bad credit score. Be wary of companies that don’t claim to check your credit, as many of these companies are scams.

Q: What loan company will accept me with bad credit?

A: Any top-ranked bad credit loan providers on our list will accept you with bad credit.

Q: Can I honestly get a loan with bad credit?

A: Yes, you can get a loan with bad credit. You can pay higher interest rates with a traditional lender or, you can find a no credit check loan.

Q: How do I borrow money immediately?

A: You can borrow money immediately via a personal loan from an online lender. Or, you can use a loan app, take a cash advance on your credit card, borrow from family or friends, or visit a pawnshop.

Q: Can I get a $10,000 loan with bad credit?

A: Yes, several bad credit lenders offer $10,000 personal loans to people with bad credit.

Q: What’s the catch with bad credit loans?

A: The “catch” with bad credit loans includes high-interest rates. Some lenders also charge additional fees. However, these companies must disclose all fees upfront.

Q: What is a bad credit loan?

A: A bad credit loan is an agreement between you (the borrower) and another party (the lender) where you receive money in exchange for a fee (like the interest rate and other charges) while having a bad credit score.

Q: How much can I borrow with a bad credit loan?

A: Typically, you can borrow $100 to $1,500 with a bad credit loan.

Q: Will applying for a bad credit loan impact my credit?

A: If the lender performs a credit check, that credit check could impact your credit score. However, this effect is not significant.

Q: What is a FICO score?

A: A FICO score is a specific credit score used by certain lenders. Generally, if you have a bad credit score, you also have a bad FICO score.

Q: What do I need to apply for a bad credit loan?

A: To apply for a bad credit loan, you typically need to be 18 years of age or older, reside in the state you picked on your loan application, have a valid and active email address, and have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Your lender may also require proof of an active bank account and evidence of a steady source of recurring income (like a job or proof of self-employment).

Q: Can I get a bad credit loan when self-employed?

A: Yes, you can get a bad credit loan when self-employed. The lender might ask for income verification from your self-employment business, just like they would ask if you were employed by someone else.

Q: How do I apply for a bad credit loan?

A: You can apply for a bad credit loan online or in certain stores. Some companies exclusively do business online, while others do business online and in stores.

Q: How soon do I get money with a bad credit loan?

A: Most bad credit lenders deposit the money within 2 to 24 hours of receiving your application.

Q: Do I need a job to get a bad credit loan?

A: No, you don’t need a job for a bad credit loan. Some lenders require proof of income verification, however. For proof of income verification, you can use self-employment income, disability payments, retirement benefits, and other sources of income.

Q: How do I know if my bad credit loan was approved?

A: The lender will immediately notify you if your bad credit loan was approved.

Q: Does it cost money to apply for a bad credit loan?

A: It does not cost anything to apply for a bad credit loan. However, you may need to pay after your loan is approved.

Q: How do I receive my money from a bad credit loan?

A: Most bad credit lenders deposit money directly into your bank account (direct deposit). However, some lenders also offer same-day cash pickup and other alternative deposit options.

Q: When do I pay back my bad credit loan?

A: Borrowing periods vary between lenders. Some payday lenders require you to pay by the next payday, for example. Other borrowing periods could be 30 days, 60 days, or even one year.

Q: How do I pay back my bad credit loan?

A: You can make a payment online for your bad credit loan. Or, some lenders use automatic payments (ACH payments) to automatically withdraw money from your bank account on the due date.

Q: What happens if I prepay my bad credit loan early?

A: Some lenders charge a prepayment penalty, while others do not. Some lenders allow you to pay your bad credit loan early to avoid further interest payments and fees.

Q: What loans are easiest to get approved for?

A: Online lenders make it easy to get approved regardless of credit score. The higher your credit score, the less you’ll pay. However, many online lenders send you money in minutes, irrespective of your credit score.

Q: Can I refinance my bad credit loan?

A: Some states require lenders to refinance your bad credit loan. Contact your lender for refinancing options.

Q: Why is the interest rate so high with bad credit loans?

A: Many bad credit loans have short borrowing periods – similar to payday loans. You might pay 20% interest to borrow money for two weeks, making the annual percentage rate (APR) look very high. Most states restrict the maximum interest rate charged by the lender.

Q: How often can I apply for another bad credit loan?

A: The frequency of bad credit loans varies from state to state and company to company.

Q: Are bad credit loans a scam?

A: No, bad credit loans are not a scam. Every day, thousands of Americans with bad credit scores use these services to get money. You can pick the best and most reputable lender by researching lenders and comparing options.

Q: Do bad credit loans require security or collateral?

A: No, bad credit loans do not require any security or collateral. Most online lenders simply deduct money from your bank account at the time of repayment (say, after your next payday).

Q: What if I can’t repay my bad credit loan?

A: If you can’t repay your bad credit loan, the lender should communicate with you to negotiate a settlement. If you cannot negotiate a settlement, the company may initiate collection procedures.

Q: Are bad credit loans regulated?

A: Bad credit loans tend to fall under a similar umbrella to payday loans, heavily regulated at the State and Federal levels.

Q: Are online bad credit loans safe?

A: Yes, most people get bad credit loans through the internet instead of other sources. There are plenty of legitimate bad credit lenders now available online.

Q: How can I spend my bad credit loan?

A: Once the bad credit loan is in your account, you can spend it however you like. Generally, people get bad credit loans for emergency expenses. However, there are no “rules” on how you spend the money, and the lender doesn’t care (as long as you pay back the money on its due date with interest).

Q: What’s the best bad credit lender?

A: MoneyMutual, BadCreditLoans, PickALender, and Upgrade are all some of the best bad credit lenders available today.

The Top Bad Credit Lenders of 2022 Final Word

4 in 10 Americans would not be able to come up with $400 in an emergency, according to the Federal Reserve.

Fortunately, there are more borrowing options than ever for people with bad credit. From payday lenders to short-term lenders and more, bad credit loans are easy and accessible.

Apply with any bad credit lenders listed above for a bad credit loan from a trustworthy company.

RELATED: Top 7 Best Credit Repair Companies: Credit Score Services

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Best Bad Credit Loans (2022) Top High-Risk Personal Payday Loan Options

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Are you worried about securing loans for bad credit because you have a low credit score? Low credit scores pose several issues for those who wish to get a personal loan.

It becomes challenging to get personal loans because the credit score is a factor that banks and other financial institutions consider. Having a bad credit score can affect a person’s chances of getting a personal loan.

Whether it is a payday loan that you are after or you are looking for a home equity loan without a stringent credit check, there are many options available for credit loans for bad credit.

It is a myth when people say that there are no loans for bad credit. Bad credit personal loans are available through many services that do not take credit scores seriously and connect borrowers with trustworthy online lenders who wish to invest in you.

The Best Bad Credit Loans of 2022

Finding loans when you have poor credit history and score is quite tricky. This is because big institutions like banks place too much importance on the credit score and credit history and do not offer a decent loan amount or ways to consolidate debt for those who cannot pay them back often. However, there are alternate solutions for those who suffer from poor credit backgrounds and need help securing reasonable loan amounts with decent interest rates. Below are the best bad credit lenders for 2022:

MoneyMutual MoneyMutual is one of the best bad credit loans with agreeable repayment terms.
BadCreditLoans BadCreditLoans is a favored bad credit loan company providing loan funds at reasonable APR.
PickALender With a reasonable term length, PickALender is a company that allows you to pick your lender for borrowing a loan.
CashUSA CashUSA gives you reasonable term length and low APR when borrowing a loan.
PersonalLoans PersonalLoans provides some of the best personal loan funds to people with bad credit.
LendYou LendYou is a prevalent company that provides credit loans to people with bad credit with a varied loan range.
Next-Day Personal Loan With less APR and agreeable repayment terms, it is one of the best bad credit loans in the market.
Upgrade Personal Loan Personal Loan provided by this company is secure with less APR for easy repayment.
Payzonno Payzonno is a great way to borrow a loan if you have bad credit but want a loan from a reputable company.

MoneyMutual

Company Overview
Type of Loan All-purpose loans
Loan Amount Range $200 to $5000
Service Highlights No fees, simplified approval process, educational resources available
APR Varies
Term Length Varies

It is not easy to secure loans for bad credit without fixing your credit score, and MoneyMutual understands this all too well. This is why they offer a good amount of cash advances as much as $5000 instantly to help you solve credit card debt issues.

The cash advances are credited to your account as early as within 24 hours quite easily. You just need to submit your case to them and let the professionals review what went wrong with your credit score and get back to you at the earliest. It does not cost you any additional money. It connects you with reliable lenders to secure personal loans.

MoneyMutual is a leading bad credit lender with a track record of helping numerous people with credit card debt and poor credit scores.

The cash advances that you get from them are safe and secure. The best part about availing this service is that you do not need to worry about having a good credit history.

It does not matter how low your credit score is; you will be able to find a reliable source of bad credit personal loans using this platform. You do not have to worry about unsecured loans that will be difficult to deal with in the future.

Getting a personal loan with a poor credit score is very difficult, and that is where companies like MoneyMutual extend their services and promise to make things better for you.

You will find that it is not that difficult to secure personal loans even if you have not had a strong track record of your credit history. There is no requirement of a minimum credit score for borrowing money from the many personal loan lenders that MoneyMutual introduces you to.

The loan proceeds are smooth, and the interest rates are comparatively low. You do not need to worry if you have fallen under the category of bad credit borrowers before.

People with such track records find it difficult to secure personal loans from financial institutions such as very picky banks when giving credit.

MoneyMutual brings you direct lenders who do not worry much about what the credit check has revealed. You do not have to worry about unsecured loans because MoneyMutual is the one who gives you the money through an escrow system.

It is not easy to find a reliable loan company to provide you with services as good as MoneyMutual does. There are many lenders, and it is not easy to find a safe and secure one. Choosing this loan company will make things easier for you.

BadCreditLoans

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Company Overview
Type of Loan Multiple
Loan Amount Range $500 to $10,000
Service Highlights Easily connect to a lender and quick funding
APR 5.99% – 35.99%
Term Length 3 to 60 Months

BadCreditLoans gives you a wide range of borrowing options of secured loans irrespective of your credit history. You can borrow anywhere between $500-$10,000 easily using the platform and secure personal loans that are reliable and safe. All you need to provide is basic information regarding your ZIP Code, four digits from your Social Security Number, and your date of birth.

The company uses this basic information to decide if you are worthy of a personal loan. You do not have to pay any more than the interest rates and the amount you borrow from the lenders on the platform. BadCreditLoans charges the lenders a fee for their services. Don’t worry if you have a bad credit score.

Borrowers on this platform can easily attain loan approval even with low credit scores. Securing a payday loan is not easy for most people. Many lenders look for people with a high credit rating to provide personal loans. There is no minimum credit score requirement to secure a loan, and your credit report does not matter.

When you avail of credit services from a reliable company like BadCreditLoans, you increase your chances of securing a payday loan at a reasonable interest rate, and you can connect with many lenders who are eager to provide you with top-notch services.

Many people who do not have a good credit rating are worried about securing a fair credit because many lenders insist on the credit rating being relatively high so the people who borrow from them can be established as trustworthy.

It is not impossible to obtain a fair credit because of excellent personal loan providers like BadCreditLoans dedicated to helping you out. It has one of the highest maximum unsecured loan sizes and is suitable for bad credit scores. Do not be disheartened if you are not finding a loan quickly.

You need to understand that there are many such companies online, but you need to be very careful when choosing the right provider for your personal loan needs. People will tend to take advantage of your situation and present personal loans with a very high-interest rate which is, of course, not an excellent option for anyone.

You have no origination fees, and the service is entirely free for the borrower in this case. It does not matter what the credit bureaus say about your credit score. Lenders are willing to help you out on BadCreditLoans. You don’t have to wait for hours and look for help for loan approval anymore.

BadCreditLoans does not consider the credit score information presented by the credit bureaus, which is why they are the best bad credit loans company out there. Your bad credit personal loan needs are taken care of as a one-stop solution. You can secure a personal loan and try to fix your credit score without worrying.

PickALender

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Company Overview
Type of Loan Personal Loans
Loan Amount Range $100 to $40,000
Service Highlights Marketplace and lending partners, fast delivery, data security, upfront disclosure
APR Varies
Term Length Varies

Worried that your credit score is not good enough to secure you a personal loan to cover your expenses? Securing good loans for bad credit is an arduous task usually, but PickALender can help you solve this problem.

Using the PickALender online platform for securing loans for bad credit, it becomes straightforward to get personal loans worth anywhere between $100 to $40000. You will notice that there are many offers available in your area, and you can pick from any lender that you like as there are many options dedicated to you.

You can complete a form within two minutes and choose to solve your loan problems right away. Your credit score does not matter at all.

The lenders on this platform are waiting to work with you to fix your issues and give you the money you need. This is one of the best options to secure bad credit personal loans at a very low-interest rate.

The repayment terms are easy to follow. They are very transparent and available in clear text on the platform, so no confusion or worry later. The loan agreement is straightforward.

You will get the money credited into your bank account, and you don’t have to worry about existing debt when you are applying for a personal loan using this platform. It has minimal origination fees and some readily available choices of online personal loans. This company brings you straightforward repayment terms that you can abide by.

It connects you with some of the best personal loan providers on the market. If you are looking for home equity loans or personal loans, you will find whatever you need through this platform. It has several direct lenders ready to help you out, and your existing debt doesn’t matter. The tag of being one of the bad credit borrowers does not matter for this platform and the many lenders using it.

You will obtain loans for bad credit and have the opportunity to work on your credit score without worrying about ongoing expenses. You will get secured loans that are easy to repay. Bad credit loans are not easy to obtain, and the choices of reliable platforms offering personal loans at affordable interest are quite a few.

You have come to the right place if you look for secured loans but have a minimum credit score. PickALender has excellent options for payday loans, specializing in bad credit personal loan options.

They offer many options such as debt consolidation loans, home equity loans, car title loans, and more. Usually, getting loans like these requires a lot of credit check procedures. But the payday lenders on PickALender do not put you through all that.

CashUSA

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Company Overview
Type of Loan All-purpose loans
Loan Amount Range $500 to $10,000
Service Highlights Loan decision in minutes, funds directly in the bank, loan for any purpose
APR 5.99% – 35.99%
Term Length 3 to 72 months

CashUSA is an excellent option for those who wish to secure as much as $10000 from reliable lenders at a low-interest rate and origination fees. You and the lender can arrange the repayment terms with complete discretion. This is a platform dedicated to helping those who have problems in debt consolidation for different needs.

Whether you are looking for a home equity loan, personal loan funds, or credit loans but have been pushed aside by the credit union on account of being tagged among bad credit borrowers, CashUSA can help you out.

In the beginning, you only have to provide minimal information, and you can connect with numerous lenders immediately. Pick any lender that you like and make your decision wisely.

Choose from the variety of options of personal loans that are offered to you by different lenders. You will have no trouble finding loans for bad credit on this platform. They are associated with thousands of lenders looking to help borrowers like you. It is one of the best bad credit loans services on the market.

When you use this platform, you don’t have to worry about having a bad credit score or anything like that. It is ideal for obtaining secured loans with a minimum credit score. Do not choose an unsecured personal loan without doing your research. You will receive the loan within one business day of joining the platform and providing minimal information regarding your Social Security number, date of birth, etc.

Most personal loans require way more data than this. You can consolidate debt easily through this platform and take your time to work on your credit score and improve it. You can only discuss the repayment terms with the lender after agreeing to them, so you need to take on their business. The personal loan funds will be credited to you automatically through the platform once you have reached an agreement with the lender.

It is a very suitable platform for those with a high debt to income ratio and a history of poor credit track. Do not worry about securing a bad credit loan from an unreliable place when you have the option of choosing CashUSA. You can borrow some money easily and state your terms or agree to the ones posed by the lender in terms of monthly payments, interest rate, etc.

The loan amount can be decided between you and the lender. Everything happens entirely privately, and you don’t have to worry about your identity being exposed in public. Unsecured personal loans are a big problem these days because many are on the market looking to take advantage of those who need such services, so be careful when you choose one and stick to known brands like CashUSA.

PersonalLoans

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Company Overview
Type of Loan All-purpose loans
Loan Amount Range $500 to $35,000
Service Highlights Large lender network, use the loan for any purpose, fast loan decision
APR 5.99% – 35.99%
Term Length 3 to 72 Months

PersonalLoans is an excellent option for those seeking bad credit personal loans and is tired of the very few choices in the market for those who require loans for bad credit. Debt consolidation is a huge worry, and financial institutions are rigorous. Your credit score does not matter on the platform of PersonalLoans. You can secure a personal loan at a very affordable interest rate by connecting with many lenders who do not care about your credit history.

You can review the repayment terms yourself and decide which is the best option for you. You have choices ranging from monthly payments to annual returns. The originating fees are meager, and the service is speedy. This platform understands that securing personal loans is not easy for those who do not have an excellent credit history. You can borrow up to $35,000 from the lenders on this platform. Unlike a financial institution, they will not scrutinize you for information and background checks.

One of the most important things to consider when looking for personal loans is the high number of unsecured personal loans. You have to rely on a trustworthy service like PersonalLoans if you don’t want to end up with options of unsecured personal loans, which cause more harm than good. You have numerous options for secured loans using this platform as you connect with genuine lenders who want your business.

Do you want a payday loan at an affordable interest rate, or are you looking for home equity loans? With very straightforward repayment terms and establishing itself as a reliable way to consolidate debt, PersonalLoans is worth considering. The bad credit loan market is highly competitive, and this company stands out from the rest for its excellent customer service.

Most personal loans obtained through this platform require only a soft credit check. The loan amounts can be decided between you and the lender. It is highly convenient, safe, and private. Your information will not go anywhere else, and you will get a secured loan quickly through this platform.

It has some of the best personal loans on the market and the loan proceeds are pretty fast, and the loan amount does not take longer than one day to be credited. Among the many bad credit loan options, this one stands out for being extremely easy to use.

Your search for the ideal payday loans ends here. Get a debt consolidation loan from top lenders. Don’t worry about coming across any unsecured personal loans on this website. All of the lenders have been verified, and they undergo a strict background check by the company.

LendYou

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Company Overview
Type of Loan Short-Term, Installment, and Personal Loans
Loan Amount Range $100 to $15,000
Service Highlights No collateral required, quick application and approval, all credit types considered
APR 6.63% – 225%
Term Length 30 days to 60 months

LendYou understands that having a bad credit score can be problematic. This is why whenever you have emergencies but cannot get hold of credit, you can avail the services of LendYou.

They are top-rated providers of bad credit loans. You don’t have to worry about getting a personal loan for any medical emergency or dealing with repairs that you did not predict.

One of the best features of these personal loan lenders is that they have one of the quickest ways to secure reasonable loan amounts for those who have a bad debt to income ratio and need all the help they can get.

Getting loans for bad credit is not easy, especially if you do not meet the minimum credit score requirements and your credit history is not up to the mark. However, you can connect with lenders who will give you money instantly using these services.

Bad credit loans can be availed easily, and you don’t have to worry about your existing bad credit score bringing you down. You need to have a minimum income of thousand dollars per month.

The origination fees are meager, and you and the lender can agree on the repayment terms. It is easy to obtain credit loans without having to face one credit check after another just for the sake of getting hold of some money.

The lenders will not approach any credit union to check whether you qualify for the loan amounts they are willing to provide you. The loan amount you can get is flexible and entirely at your discretion.

One of the slightest drawbacks is that the loan amounts you can get using the service are not as high as others. $2500 is the maximum you can get, but you can get it in a brief time.

It does not matter if your credit report is not good enough or you are labeled as someone who has a bad credit history. Bad credit loans through LendYou can be trusted as they connect you with secured loan providers who give you payday loans for bad credit without any fuss.

Since the loan amount using this service is not very high, you don’t need to worry if your credit score is relatively low. It does not matter at all to the lenders. Getting bad credit loans has never been easier. All you need to do is prove that you have a monthly income of minimum thousand dollars and confirm that you are part of the US military service.

Next-Day Personal Loan

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Company Overview
Type of Loan Personal Loans
Loan Amount Range $1,500 to $40,000
Service Highlights Fast Funding, Secure loan request form, all credit types considered
APR 6% – 35.99%
Term Length 2 to 180 months

Getting a simple and easy personal loan with meager origination fees has never been simpler. Next Day Personal Loan brings you a variety of payday lenders to choose from who do not care about what the credit union has to say about your credit score.

You have come to the right place if you a decent loan amount without bothering you much about your bad credit and let you borrow some money for your debt consolidation needs.

The repayment terms are straightforward when securing loans from Next Day Personal Loan. The interest rate is quite decent, and you can choose from many lenders who don’t mind your bad credit scores.

Your existing debt does not matter either. One of our favorite parts of this company is the easy repayment terms that you can customize and deal directly with lenders.

You can get quite a bit of fair credit depending on your credit rating as the credit bureau and credit union decides with just a very soft credit check. The form is straightforward to fill out, and you don’t have to worry about the origination fee amount as it is pretty low. You can get started on fixing your debt consolidation issues with a possible loan amount irrespective of your current debt to income ratio.

Poor credit scores can be quite a hindrance when securing the best personal loans, and you can get a pretty decent loan amount on this site compared to other options of securing a bad credit loan. A debt consolidation loan from this site can be settled using feasible monthly payments and a low origination fee.

Depending on your ratings and credit report produced by credit unions and what credit score has been established by your credit check by the credit union, you can connect with personal loan lenders who don’t care about your credit score. Getting unsecured loans can be quite a worry, especially if you have bad credit. Don’t worry about coming across an unsecured loan on this site, though.

It does not matter if you have a minimum credit score; you can get payday loans secured loans irrespective of what credit unions have to rate you. Connect with Next Day Personal Loan for securing bad credit loans of up to $40,000 regardless of your credit score. The lenders are more than happy to help you fix your bad credit score and give you a chance to secure reasonable loan amounts that provide you with peace of mind.

Apply for whatever loan amount you think you are legible and connect with numerous lenders dedicated to giving loan funds to those who need a reasonable loan amount urgently and have a credit report that is not very great.

Upgrade Personal Loan

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Company Overview
Type of Loan Personal Loans
Loan Amount Range $1,000 to $50,000
Service Highlights 0.5 percentage point rate discount, secured and joint loans, rate discount with direct payment to creditors
APR 5.94-35.47%
Term Length 2 to 7 years

It is time we stopped using credit scores as a basis for a judgment of who deserves a secured loan and who does not. This is why services like Upgrade Personal Loans bring you loans for bad credit even if you don’t meet the minimum credit score requirement that most establishments have in place.

There are many things to love about this company that the credit union might not approve of, and the best part is the high loan amount you can get. You can get secured loans with loan amounts up to $50000. No other company on the list offers a loan amount higher than $40,000.

Your poor credit score will not affect your interest rates, so don’t worry about that. You can get a decent loan amount even if you have a poor credit history at very affordable interest rates. You can get APRs between 6% to 36%. The origination fee is so low that this is one of the most affordable Personal loans for bad credit on our list.

Even if you have the minimum credit score needed or your credit score is lower than it should be, it does not matter because the lenders who give you a bad credit loan do not care about credit scores. You can meet reliable online lenders who do not go by what credit unions say and do not scam you with unsecured personal loan options.

The company is based out of San Francisco. You can get decent loan amounts for affordable prices in just a day at a low origination fee, and be sure that your poor credit will not affect your chances of getting a loan amount you are worthy of. Do not worry about the interest rates burning a hole in your pocket. You don’t have to worry about accessing bad credit loans because that’s exactly what Upgrade Personal Loans aims to tackle.

Upgrade Personal Loans service is dedicated to those who find it challenging to obtain a secured loan because they cannot meet the minimum credit score required to borrow money from credit unions and other institutions. Your bad credit history need not depend on your minimum credit score requirement any longer.

Switch to Upgrade Personal Loan Services and connect with online lenders dedicated to helping those secure high loan amounts. The origination fee and high-interest rates are among the significant concerns for borrowers. Still, you can borrow money at very reasonable rates and fix on working your bad credit issues in peace.

Payzonno

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Company Overview
Type of Loan Personal Loan
Loan Amount Range $100 to $5,000
Service Highlights Free Account, Additional Loans allowed, easy to apply and get approved
APR Varies
Term Length 1 to 60 Months

You might meet plenty of online lenders promising you many bad credit loan options, but Payzonno stands out as one of our favorite online lenders. You just have to deal with a chatbot, and your bad credit loan is on its way!

Want to know the best part? There is no origination fee. That’s right, at literally zero origination fee, this platform gets multiple online lenders fighting for your business to bring you the best bad credit loans. Your credit history and credit score do not matter!

Is your bad credit report and credit history preventing you from securing high loan amounts at reasonable interest rates? It’s the same everywhere you go; either the origination fee is too high, or the interest rates are too unreasonable.

Don’t worry about your loan amount being less. With Payzonno, you can get up to $5000 in clicks from lenders who charge you low-interest rates and don’t worry a lot about your existing debt. Your credit report only matters to credit unions and bureaus and not your online lenders on this platform dedicated to helping those with bad credit.

Payzonno only cares about the present and does not burden you with additional origination fees or unreasonable interest rates just because you need a loan for your bad credit issues. It is safe, secure, and reliable and one of the best ways to secure loans for bad credit.

Things to Keep in Mind When Selecting Lenders for a Personal Loan

You need to consider many things before choosing the lender who will give you your loan and help you deal with your credit issues. Having bad credit should not stop anyone from getting help when needed, and banks tend to deny this.

But that doesn’t matter, as we have so many other reliable sources of help available online that connect you with a trusted and reliable provider of loans for those who have bad credit.

Here are certain things you should keep in mind when you are looking for loans for bad credit:

Good Loan Amount

Having a good amount of loans is very important to resolve your issues right now, obtaining more credit. Whether you are looking for a platform to get a loan from or already have identified one, and you want a lender, pay attention to the loan amount they offer. Assess your needs carefully and determine what you expect in terms of an amount for a secured loan. Always go for those websites that give you enough and more in the loan to take care of all necessary expenses that you plan to incur and have some money left for yourself which you need to attend to personal needs.

This is one of the most critical factors when selecting a lender to give you money. Only borrow money from them if they can satisfy your monetary requirements at that point. It is always better to borrow a little extra and obtain a higher loan amount than to take another personal loan later, which will be way more difficult when you think about it. Plus, getting it at the current interest rate is not always possible if you wish to borrow more money later, so it makes sense to get it at once.

Agreeable Repayment Terms

You should speak to your lender and discuss the repayment terms, including the interest rate and the duration that you will take to pay them back in full. This is an essential conversation to have, and you need to identify someone from who you are comfortable borrowing.

You need to look for transparency so that they will be open to discussing options with you because if they are straightforward, they generally tend to be very flexible. Very rigid lenders are difficult to work with, and they expect repayment very soon and often charge very high rates of interest. Do your research thoroughly before selecting a lender who will fulfill your requirements, and you are comfortable borrowing from.

Be transparent about everything, as this is the essential part of it. Open communication is critical regarding when you can repay them the total amount and how much interest you are OK with paying monthly. Only when you both agree with everything go ahead and secure that loan. Otherwise, there are numerous platforms for you, and you have multiple options. Take your time and make the right choice.

Low Origination Fees

The whole point of obtaining more credit is getting out of your current debt and figuring out ways to get more money to cover your ongoing expenses. The last thing you need is to pay a hefty amount of money for a service that is supposed to help you get money. Always look for low or no-fee options for credit borrowing sites. Think carefully before picking out the right choice for you. Numerous good platforms offer you their services for free. Some excellent ones are also available at minimal costs. Do not buy into the myth that you need to pay a lot to get good services.

Instead, think about different ways to spend the money that you have so that you need to borrow less for your needs. Also, pay attention to the total amount you will have to end up spending, including the principal amount, the interest, and the fees for availing of the service. Make sure that it is worth it when you tally everything together. If it seems too expensive, you need to consider other affordable options because your priority is to fix your credit record and not just borrow more money.

Security of the Loans

This is a significant concern. There are numerous scams out there, and sometimes, they are so convincing that even the best of us go ahead and pick out a loan because it seems very easily accessible. When you have a history of bad credit, you feel that you have no good options around, and you must pick the easiest and most accessible one because this might be your only option. This is so not true. You get plenty of loans completely secured from very reliable lenders when you look for trustworthy and credited platforms. Always take into consideration the reviews offered by customers.

It is better to have no loan than an unsecured one. Contrary to what you think, you are not alone. Many people are looking for credit, and many are willing to lend money and get your business. Matching with the right lender takes patience and research. Once you come across the best platform for you, you will realize just how many people out there are willing to lend you money at very reasonable interests. The loans by trusted lenders are always secure, and you can use them for any purpose you need. You can borrow even $50,000 if you need to in just a day. Never opt for an unsecured loan even if you feel backed into a corner.

Low Rates of Interest

Many lenders are willing to charge meager interest rates on the loans they provide, irrespective of what you’re planning to use the money for. We cannot always guarantee that you will get the best deal in every aspect. Still, one of the most important things to consider when borrowing money is the interest you will be paying every month or at any frequency that you have decided with the lender.

You should assess your financial situation thoroughly and see if your income can handle the rate of interest that the lender is charging. Even though the rates which are considered the best might not be miraculously low, you will still get the best deal if you spend some time identifying the best options for you. Never hurry into this and know that you deserve the very best. Make sure that the interest rate is meager so that you can pay it back quickly without any fault later. It should be reasonable and acceptable for both parties before it becomes the final amount.

Secure Platform

The platform you borrow money from should be a safe exit and have all the standard security features you expect from regular websites. In most cases, the money is provided to you by the website directly. This is why the security of the platform is paramount. You cannot compromise with safety features when it comes to money. One of the best ways to avoid any scam is to check if the website is secure and your information is protected.

The platform’s security is critical because you practically trust strangers with your money, and they must live up to your expectations. It is a sign of the organization’s credibility if they have a good website that is secure and does not have any issues in establishing authenticity. Only those who have proven that they are authentic deserve your business, and only these will have genuine lenders who also feel comfortable trusting the platform with their hard-earned money.

Genuine Lenders

The thing about borrowing money is that you have to return it at some point which is why it is essential to make sure that the lender you are obtaining credit from is reliable, genuine, and does not scam you in any way. It is as important to track those who lend you money as it is to those who borrowed them. You do not want to be part of any illegal activities or be a victim of any crimes that you did not commit.

This is why it is crucial to ensure that you have taken money from genuine lenders, maintain constant communication with them and be transparent about everything. Always be open about everything with them, including when you will pay them back fully and how much you can afford in terms of interest every month. Choose only genuine lenders that you are comfortable with because you will be associated with them for some time.

Make sure that you apply all the filters that you need to find only the most genuine lenders to fulfill your needs and that you are not confused in any way because of the large number of choices out there. Only very few of the lenders who are available online are genuine and secure to borrow money from. Keep this in mind when you make your choice.

Ease of Use

It is essential to make sure that the website is very user-friendly and does not complicate the experience in any manner. When a website is straightforward to use, the payment will be processed as soon as possible. User experience is one of the most important things to look forward to when you’re assessing a new business online.

You should not spend much time providing information when looking for different options to secure loans, even if you have poor credit. Ideally, it should not take you more than a few minutes to fill out the form required and provide the necessary information.

Using this information, the website should predict whether you qualify for a loan and how much you can borrow from lenders who are willing to give you their business at a reasonable cost.

The idea is to get the credit as soon as possible rather than playing games and looking for different options. This is why it is essential to tally the user experience of such places. This could be a complete dealbreaker for some people who want to secure a loan without any hassle.

Minimal Requirements

You are looking for credit and loans even when you have a poor history of maintaining good credit because some financial issues have pushed you into this position. Most monetary establishments like banks etc., don’t seem to understand that you can repay them even if your current situation is not perfect. They are too dependent on the score and do not step outside of the required criteria, so it makes sense to take a more personal approach and connect with people willing to lend money on a humanitarian basis and looking to profit minimally from the same.

You don’t want to be put through strict checks of credit backing and everything else. This is why you have selected a more personal approach. So make sure that the requirements posted by these lenders are minimal and they are very flexible.

The Best Bad Credit Loans of 2022 Conclusion

You don’t have to worry about being completely broke and having no source of any extra money at all times because there are numerous options available on the market right now. Many people are willing to lend you money irrespective of your history. It is time to think outside the box and stop relying on institutions to help and secure loans. It is time that we got out of the personal loan obsession with the bank and respected the idea of different options.

We have put together the best options for bad credit loans so that you can find a way to get a hold of debt consolidation loans even if your credit report is not after the mark and your credit scores need to be corrected in the long run. Your credit report is a thing of the past as long as you can handle the present confidently and be sure that you will repay the loans on time.

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The Best Online Payday Loans for May 2022: Top Payday Loan Websites

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Overview

People in financial distress can get quick money through payday loan websites.

A reliable payday loan website will transfer funds directly to your bank account in less than two hours. The online application process is simple and fast.

Some payday loan websites are not the same, and some websites are better than others. The best payday loan websites can provide you with funds when and where you need them. When payday loan websites fail to meet your needs, scams may occur.

What are the top 2022 payday loan sites? What payday loan site offers the best prices and customer service? Which payday loan website is best suited for people with bad credit ratings?

Our editorial team reviewed the most popular payday loan websites globally, and here are the results.

The Top 6 Best Payday Loan Sites in 2022

Our editorial team independently reviewed each payday loan site to verify its authenticity, usability, and ease of use. This list of the most popular payday loan websites is determined by hundreds of hours of research and analysis.

MoneyMutual

MoneyMutual.com is one of the most well-known sites for payday loans. This payday loan website has assisted more than 2,000,000 customers in getting their money in minutes.

MoneyMutual, an established online payday lender, is the best option if you’re looking for one. MoneyMutual provides loans of up to $5,000 to people with good credit in as little as 24 hours.

Even those with poor or no credit might still be eligible for the funds they need after signing up.

MoneyMutual lets you connect with more than 120 lenders. You no longer have to select one online lender or one single lender. MoneyMutual can also connect you to these lenders without cost: The lenders pay for your business, and the best loans are available without paying MoneyMutual.

MoneyMutual connects users with more than 120 lenders. You don’t have to choose between one lender online or another. MoneyMutual connects you with these lenders for free: Lenders pay your business, and you receive the best loans without paying MoneyMutual.

FundsJoy.com

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FundsJoy.com allows you to borrow $200-$5,000 with a few clicks.

The website is quick, simple, effective, and easy to use. It takes less than 10 seconds for you to fill out the online form. You can borrow up to $5,000 from as little as $200. There are many types of loans available, depending on your credit.

FundsJoy.com allows users to submit requests, review offers, and get their money. FundsJoy.com operates the same way MoneyMutual does and connects users with lenders at no additional charge. FundsJoy.com will connect you with brokers willing to do business with your company. You select the best offer that fits your needs.

BadCreditLoans.com

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BadCreditLoans.com accomplishes exactly what they claim: It helps those with poor credit get the money they need.

BadCreditLoans.com offers a free service to help those with bad credit get the money they need. BadCreditLoans.com operates in the same way MoneyMutual.com does and allows you to compare multiple lenders to help you choose the right lender for your company. BadCreditLoans.com charges no additional fees, and lenders charge interest and fees. This is a free service.

BadCreditLoans.com helps you quickly obtain the money you need. Fill out the online form to view available offers and connect to lenders. You could have your money in minutes.

PickALender

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PickALender can be found online at PickALender.com and connects borrowers with lenders in less than two minutes.

This website allows you to select the financial services which interest you. PickALender provides financial services such as debt consolidation, consolidation of credit cards, and auto loans. Online travel loans and home improvements loans are also available.

PickALender lets you choose from local lenders after you have applied. It takes less than two minutes to complete, and lenders can deposit funds in your bank account within 24 hours. You can then withdraw your funds and enjoy it. PickALender is an online service that’s free and located in Overland Park (Kansas).

Next Day Personal Loan

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Do you need a personal lender sent to your account within 24 hours of applying? Next Day Personal loans might be a good option. Found online at NextDayPersonalLoan.com, the website lets you find a loan in three easy steps.

The entire process should take no more than two minutes. You can then review offers from lenders in your region if you are qualified. To get funds the next morning, you will need to complete the application.

Next Day Personal Loans offers nationwide network lenders, encryption at 256 bits, direct deposit of funds, and many other perks. This loan is open to everyone, regardless of credit history. Next Day Personal Loans have transparent pricing and a simple application process.

CashUSA.com

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CashUSA.com connects you with local lenders through an online payday lender. CashUSA.com connects you with top-ranked payday lenders to find the right lender for your business.

You can complete your application online by entering your details and viewing the offers from your local lenders. It provides information on each lender’s interest rates, fees structure, and total costs, making it easy to find similar offers.

After you have accepted an offer, you’ll need to complete the application forms with each lender. After approval, funds will be transferred to the account the next business day.

CashUSA.com, an internet payday loan company, is based in Las Vegas. It allows you to request as little as $10,000 and receive funds to a bank account within hours.

Our Rankings

Payday loan websites often claim that they can provide money within 24 hours. However, not all websites can live up to this claim. These metrics were used to distinguish the top payday loan websites from the average.

Quality Lenders

Some payday loan websites may direct you to unscrupulous and expensive lenders, and others will point you to legitimate lenders. While some companies will connect you to more than 120 lenders, others prefer 5-10 low-quality lenders. The best payday loan websites have the highest quality lenders.

Number Of Lenders

Payday loan websites may only offer a small number of lenders. It cannot be easy to find the right lender for you, and other websites have hundreds of partners, giving you more options. Payday loan websites that are top-rated offer many options and high-quality loans.

Deposit Speed

Payday loan websites claim they can deposit funds quickly into your account, and some sites deposit money quicker than others. Many payday loan websites claim that they can deposit funds within 24 hours. However, some sites deposit funds in under 2 hours, and others take longer. To test, we ranked payday lenders based on how quickly we received funds into our company accounts.

Fees, Additional Charges, APRS

Payday lenders must disclose all fees and charges upfront, as the law requires. These details are sometimes hidden in the fine print, and others make it difficult to see the actual cost. Payday loan websites that provide transparency about fees, interest rates, and other information are preferred.

Transparency

Payday loan scammers are all too common. Payday loan websites that are transparent and honest are appreciated. Websites that disclose all fees and charges, including the APR, are highly appreciated. Payday lenders are required to disclose this information by law. We will not rank payday lenders’ websites that do not disclose this information or if our editorial team is unclear about it.

Contact Information for The Company

Payday loan websites may require you to provide your address, phone number, and email address. Others only allow you to reveal some information about your online identity. Contact information is required if a company has access to your personal information and thousands of dollars in borrowed funds.

Customer Reviews

Each payday loan site was tested individually. However, we also considered the opinions of other users when ranking them. MoneyMutual won the top prize for having more than 2,000,000 customers over a decade and thousands of positive reviews on their website. There are not many perfect reviews of payday loan websites. However, the ones with the highest ratings on independent review sites rise to the top.

Reputation and Experience

Payday loan websites fluctuate in their value all the time. Payday loan sites with a good reputation and are well-respected in the industry are preferred. Some top payday lender websites have been in business for over a decade. However, the quality of low-quality lenders changes frequently.

Security and 256 Bit Encryption

HTTPS encryption with 256-bit encryption should be used to secure a payday loan website. Online forms allow you to enter sensitive financial and personal information, such as your Social Security Number. It is very unlikely that this information will ever be stolen. Reputable payday loan sites insist on high levels of security.

Acceptance of All Credit Scores

Whether you have bad credit or good credit, you can get the money you need, regardless of your credit rating. Payday loan applicants typically have lower credit scores than the average person. Most payday loan websites will accept credit scores below average, and payday lenders that accept all credit types are preferred.

Simple to Use

Some websites offer payday loans that are easier than others. Some websites are slow or poorly designed, while others are fast and easy to use. Payday loan websites that are user-friendly and easy to use, such as those that allow you to apply in minutes, are preferred.

Borrowable Amount

You can borrow as little as $200 to as much as $5,000 from payday loan sites. Payday loan websites allow you to borrow as much as $40,000, and their ranking determines the maximum amount each website can borrow. No matter how much money you borrow, payday lenders should be able to provide the money that you need.

These factors were all considered, and the best payday loan websites have been ranked in the order they appear.

How Payday Loan Websites Work

Payday loan websites offer a quick, easy and affordable way to borrow money if you are interested in obtaining a payday loan. Here are the basics of a typical payday loan website:

Go to The Website and Start the Application:

Many payday loan websites allow you to start your application right from the homepage. Enter your first name and last name to start an application or view initial offers in your local area.

Please Complete the Application:

To borrow money online, you will need to provide personal information. Payday lenders will require your Social Security Number (SSN), earnings information, and other personal data to verify your identity.

Check Out the Available Offers:

Payday loan websites verify your identity and then get lenders to compete for your business. You can browse through various offers, regardless of your credit score.

Choose the Amount You Wish to Borrow:

Once you have found a lender that suits your needs, you can decide how much you want to borrow. While most payday loan sites allow you to borrow between $200 and $5,000, some lenders let you borrow higher or lower amounts. You can choose the amount that suits your needs, whether traveling, renovating, or paying a bill.

Register Banking and Deposit Information

How would you like to get the money? Direct deposit is a popular method for payday lenders to transfer money to your bank account. This is the fastest and most convenient way to get money. Enter your bank account details online after accepting an offer to receive the funds quickly.

You Will Receive Funds Within 24 Hours.

Most payday loan websites deposit funds within 24 hours of receipt of your completed application. Some websites allow you to deposit funds in as little as two hours, making getting the money you need.

Spend Money However You Like:

However, you can spend the money wherever you want once the payday loan has been deposited in your bank account. You can spend the money as you would any other money in your checking account.

You Can Repay the Loan Within 2 To 4 Weeks.

Payday loan websites typically lend for between 2 and 4 weeks, roughly the average payment period. To avoid paying significant interest, you must repay the loan when you get your next paycheck.

What Is the Cost of a Payday Loan Website?

Many payday loan websites can be used for free, and these loans are free and available to anyone eligible.

A payday lender is different from a payday loan.

A payday loan website allows you to connect with local lenders and offers tailored to your financial situation. Each successful applicant receives compensation from the payday loan website, allowing lenders to compete for your business. The payday loan website pays the lenders, but you don’t pay anything.

Every lender has its fees when borrowing money. For interest, most lenders charge an annual percentage rate (APR). For example, if you borrow $2,000, you might need to repay $2,000. This is typically within 2 to 4 weeks. This is the cost of borrowing money. You are paying for the service provided by the payday lender. All payday lenders are required to disclose the fees in writing. Payday lenders are prohibited from charging excessive interest rates for payday loans. Most states have caps on the APR of payday loans.

Why Get a Payday Loan?

A payday loan has the advantage that you can get cash today rather than waiting for your next payday.

Instead of waiting for weeks or even days for your money to arrive, you can receive the money you need in hours.

Here are some reasons you might consider a payday loan:

  • You are faced with unexpected costs such as car repairs or emergency travel expenses.
  • You have to pay someone or pay a charge immediately.
  • You will need to have money for food, shelter, clothing, and other essentials as soon as possible.
  • You are concerned about your ability to save enough money for your next payday.
  • You may need cash quickly for any reason, and spend as you please.
  • You don’t have to have a reason to get a payday loan. Once the money is in your checking account, you can spend it however you like. It’s your money, and you can spend it as you would any other money.

Before your next paycheck arrives, you need to pay for any unexpected expenses.

Payday Loan Requirements: Who Can Apply for a Payday Loan?

To get a payday loan, you must provide certain information. Payday loan applications cannot be made anonymously via traditional payday lenders.

Payday loans are commonly required to meet the following requirements:

  • Minimum 18 years of age
  • Current resident in the state selected for your loan application
  • A valid, active email address and phone number are required
  • You must have an active bank account with at least one month of opening
  • You don’t have to be in debt right now or filing for bankruptcy.

Payday lenders may require proof of income, such as a paycheck showing that you have earned at least $1,000 per calendar month, and others do not. The general rule is that the more income you have, the more money you can borrow.

What Is the Maximum I Can Borrow from a Payday Loan?

The amount you can borrow depends on your credit rating, the payday loan website, and state lending laws.

Payday loan websites offer loans from $200 to $5,000.

The better your credit score, both offers and borrowing capacity, the more options you will have. A borrower with a poor credit score might only be eligible to borrow $500-1000. However, someone with a higher credit score may be eligible to borrow $10,000 or more.

Compare different payday loan sites to determine the amount you need, regardless of your credit history. Some websites allow you to borrow up to $40,000, while others only allow you to borrow $100.

The Top 6 Benefits of a Payday Loan Site

A great payday loan website allows you to access the money as quickly as possible. You can access the money you need quickly and easily through a reliable payday loan website.

Advantage #1

You can still get money no matter your financial history or credit score. Payday loan websites cater to those with good credit and those with poor credit. People with good credit scores may be eligible for more offers than those with poor credit scores. But, anyone can find the payday loan offers they are looking for from a reliable website. No matter your credit score or financial history, you can still get the cash you need from a reliable payday lender.

Advantage #2

Payday loans are less expensive than credit cards: Many payday loans can be cheaper than a credit card. Payday lenders can charge as little as 5%- 30% per annum, while credit cards could charge APRs from 18% to 40 percent for borrowing money. Even though not everyone is eligible for low-interest payday loans, you can save thousands on interest using a payday lender instead of borrowing money.

Advantage #3

Multiple Lenders Available: Payday loan websites partner with many lenders to provide borrowers with multiple options. To ensure that you find the perfect match, you don’t need to select just one lender.

Advantage #4

Apply to Multiple Lenders at the Same Time: Traditional payday loans require that you submit individual applications to several lenders. It could take you hours to get the money you need. You can submit a single application online for a payday loan and get feedback from multiple lenders in as little as 10 minutes.

Advantage #5

You can customize your payment terms: Do you want to borrow $200, $20,000, or both? You need money to cover a few days, a few weeks, or both. You can customize your payday loan website to suit your needs. Payday loan websites make it simple to obtain the money you need.

Advantage #6

You can improve your credit score with a payday loan. Many people are surprised that a payday lender has helped them improve their credit scores. A payday loan can help you improve your credit score by paying your loan repayments on time. Payday loans can also be used to pay off other credit debts.

What Income Do I Need to Obtain a Payday Loan?

Payday loans enable you to borrow money out of your next paycheck. The majority get paid every two weeks or bi-weekly.

Some payday loan sites require proof that you have the income to approve you for a loan. The loan is based on your current income, and you may upload your pay stubs to the internet.

Some payday loan websites don’t require pay stubs. Some websites let you use income from any source, such as Social Security, disability, and self-employment.

Some payday loan websites don’t require income verification. This is especially true when you have excellent credit.

Acceptable Income Types for a Payday loan

Payday loans can be approved for certain types of income, such as:

  • Employers pay stubs
  • Income from self-employment
  • Disability payments
  • Pensions
  • Income from the government
  • Other income sources

Payday loans are available to anyone who has proof of income. You can search online for payday loans and find them without proof of income. As many websites allow, you can borrow small amounts without income verification.

Payday Loans for People with Bad Credit or No Credit

It doesn’t matter your credit score because it shouldn’t stop you from getting the things you want.

Payday loan websites cater to all credit levels, including those with low credit scores.

It can be difficult to obtain a loan of thousands of dollars through a payday loan site if you have poor credit ratings or no credit. You can borrow more if you have a steady source of income that you can prove.

To determine good and poor credit, most lenders use these metrics:

  • 800 and Above: Exceptional Credit
  • Very Good Credit: 740-799
  • Good credit: 670-739
  • Fair Credit: 580-669
  • Poor credit: Scores below 580

A low credit score doesn’t mean you cannot borrow money through a payday lender. Payday loans can be eligible even if your credit is not perfect. However, you may still be eligible if you earn a steady salary for several months.

What Is the Difference Between Payday Loans and Other Loans?

There are many options available to borrow money. What’s the difference between payday loans and other types. These things make payday loans unique.

Borrowing Terms

Payday loans often have a multi-week borrowing time, ranging from 2 to 6 months. Contrary to what you might think, traditional loans can be borrowed between 1 and 4 years (for a conventional loan) and 30 years (for mortgages).

Borrowed amount

Payday loans, also known as short-term loans, help you pay for your essential expenses. Payday loans are not intended to finance purchasing and maintaining a vehicle or home. Payday loans are typically available in amounts between $500 and $1,000, and TransUnion estimates the average conventional loan is worth $5,213 rather than payday loans that can go up to $500.

Speed Of Deposit

A mortgage approval might take several weeks, and a payday lender could be approved less than 24 hours.

Rates:

Payday loans can have higher interest than conventional loans due to the longer loan terms and higher risk. Payday loans are more expensive than conventional loans. A mortgage with a 3% annual rate or a payday advance with a 20% APR can have higher interest.

Acceptance Of All Credit Scores

To be eligible to receive a conventional loan, you will need strong credit. Payday loans will be more concerned about your income and credit score than your credit score. Poor credit scores or no credit may make it difficult to get conventional loans, and it doesn’t necessarily mean that payday loans are impossible to get.

What Are the Risks of a Payday Loan? Are Payday Loans Secure?

Payday loans are typically safe if you only choose a trusted website. Payday loans can still be risky, especially working with unreliable lenders.

Payday Loans come with some risk.

Hidden fees: There are many payday lending websites that charge hidden charges. These can be high APRs, hidden fees, or other charges they don’t disclose. All payday loan websites have to disclose all fees upfront.

Late Payments – Additional Charges

People borrow payday loans but cannot repay them within the stipulated time, usually between 2 and 8 weeks. Lenders will charge fees for those who can’t pay their loans in due time.

High-Interest Rates

Before applying for a loan, verify the annual percentage rates (APR). Some lenders charge excessive interest rates, while others do not.

Websites or Companies That Are Disreputable

Some payday lenders are not reliable. They will sell you your information and fraudulently use your financial data. They might also take your SSN and offer you a loan. These websites are frauds, and you should avoid these scams by choosing a website that offers payday lending.

These problems can be avoided if you work with a reliable lender, such as one of our top-rated payday loan sites.

Payday Loans Alternatives

The following payday loan options are available if you are unable to get a payday loan or you wish to explore other financing options:

  • Credit cards
  • Online personal loan
  • Credit unions located in the local area
  • Family and friends
  • Selling property
  • Employer Cash Advance

Other alternatives include pawnshops, government emergency assistance services, or relief from creditors.

FAQs

Payday loans can be simpler than you might think. We are payday loan experts, and these are our answers to the most frequently asked questions regarding payday loans.

Q. What is the best type of loan for people with bad credit?

A: Payday loan companies are known for lending money to people with poor credit. Payday and other short-term lenders serve people with poor credit or no credit.

Q. What is considered bad credit?

A: Scores below 580 are considered bad credit scores.

Q. What is considered good credit?

A: Credit scores above 670 are considered to be good credit scores.

Q. How do payday loans work?

A: Payday Loans provide cash advances until your next payday. You can borrow money now and then repay it when you get your next paycheck.

Q. Do I need to have the income to qualify for a payday loan?

A: Most payday loan companies will require proof of income before approving you for a loan. However, some do not.

Q. Can I get a loan without credit?

A: Some companies offer payday loans with zero credit.

Q. How much can I borrow for a payday loan?

A: With a payday loan, you can borrow between $200 and $40,000

Q. Can I get $10,000 credit with bad credit?

A: You can borrow $10,000 with bad credit using a payday lender. Your chances of getting a payday loan with a higher interest rate increase if you can prove steady income.

Q. Does applying for a payday advance affect my credit score?

A: The lender may conduct a credit check to determine if you have a good credit history. This effect isn’t significant.

Q. What is a FICO Score?

A: Lenders use the FICO score to determine rates and pricing.

Q. What information do I need to apply for a payday advance?

A: Most payday loan companies will require your name, contact information, and proof of income to provide a payday loan.

Q. Can I get a loan for personal use?

A. Self-employed individuals may be eligible for a payday loan. A payday lender might request proof of income from your self-employed business. A payday loan can be obtained if you can prove your income.

Q. When can I borrow money from a payday lender?

A: Most payday lenders deposit money in your bank account (via direct deposits) within 24 hours or one business day after receiving your completed application.

Q. Do I need to have a job to get a payday advance?

A: Payday lenders will require proof of income, regardless of your employment status. You may be eligible for a payday loan if you have money from the government, pensions, disability payments, or other sources.

Q. How can I get money from a payday loan website.

A: The payday loan website asks for your bank account information and deposits funds directly into your account (via direct deposit).

Q. How much does a payday loan cost?

A: The fees and APRs for payday loans vary based on credit scores and the borrowing period. All payday lenders must disclose all fees and charges upfront. Before you sign the loan agreement, read the fine print.

Q. What happens if my payday loan isn’t paid?

Lenders may charge late fees and other fees if you cannot repay your payday loan. Others may contact you to settle.

Q. Are payday loan websites secure?

A: Most payday loans websites are legitimate and follow all laws within their jurisdiction. Check the above list to ensure that you only work with a reliable payday loan website.

Q. Are payday loan websites scams?

A. Payday loans websites are not fraudulent. Many websites are legit businesses with a track record of providing funds to customers when they need it most.

Q. Can I get a loan for payday without making a regular income?

A: Depending on your financial situation and credit score, you may be eligible for a payday loan. Payday loans are offered by some websites to anyone regardless of their income.

Q. What is the best website to get a payday loan?

A. MoneyMutual. FundsJoy.com and BadCreditLoans.com, PickALender, Next Day Personal Loan, and CashUSA.com are some of the most popular payday loan websites.

Final Word

According to the United States Federal Reserve, 40% of Americans wouldn’t have $400 for an emergency.

You are one of many people who need cash urgently. Reliable payday loan websites can provide you with the funds you require in just 24 hours.

To help you choose the right payday lender, you can search the top websites for payday loans.

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How To Get A Personal Loan With Bad Credit

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If you’ve been late paying your bills in the past or have a mountain of debt, your credit score may be lower than you’d like it to be. Bad credit can be a frustrating disadvantage, particularly when it comes to getting lenders to trust in your ability to pay them back over time.

A personal loan can be a good way to pay for emergency expenses or consolidate debt. While having an inferior credit score will mean paying higher interest rates, it’s still possible to obtain a personal loan with bad credit by taking some simple steps to improve your score and shopping around with multiple lenders.

What does it mean to have bad credit?

Almost every American has a credit file compiled by one or more of the three credit bureaus: TransUnion, Equifax and Experian. Your credit files are used to compile a credit score, which is a number that tries to define how risky you would be as a borrower.

Credit scores range from 300 to 850. Generally, anything under 580 is considered “bad.” If you have bad credit, you typically have a short credit history, a history of late payments, lots of debt relative to your income or any combination of those factors.

How credit score is determined

If you’re not in a hurry to obtain the money, it can ultimately make more sense to spend time trying to improve your credit score rather than proceed with an extremely high-interest loan. A few areas to focus on if you’re looking to improve your credit picture are:

  • Payment history (35 percent of your FICO score). Your score takes a hit if you have a pattern of missing or late credit card payments (known as delinquency). Payment history also incorporates the on-time payment of other debt sources, such as car and mortgage loans.