Blog Campcee http://blogcampcee.com/ Fri, 11 Jun 2021 22:20:47 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.2 https://blogcampcee.com/wp-content/uploads/2021/05/cropped-icon-32x32.png Blog Campcee http://blogcampcee.com/ 32 32 Here’s Why You Should Apply For The Favorite Chase Sapphire Card Now https://blogcampcee.com/heres-why-you-should-apply-for-the-favorite-chase-sapphire-card-now/ https://blogcampcee.com/heres-why-you-should-apply-for-the-favorite-chase-sapphire-card-now/#respond Fri, 11 Jun 2021 20:44:54 +0000 https://blogcampcee.com/heres-why-you-should-apply-for-the-favorite-chase-sapphire-card-now/

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The welcome offer of the Chase Sapphire Preferred® card is currently 100,000 points after spending $ 4,000 in the first three months of having the card. This is a great bonus, and since the card earns flexible Chase Ultimate Rewards points, you have several redemption options.

You also don’t have to use your points to travel. If you’re not yet ready to hit the road, you can convert your points into cash back, gift cards, or merchandise, or even redeem them for qualifying daily purchases through Pay Yourself Back.

Here are four reasons why you should apply for the Chase Sapphire Preferred® Card now.

Regular APR

15.99% -22.99% Variable

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Advantages and disadvantages

  • Details


  • Benefits
    • A high sign-up bonus allows you to start with a lot of points
    • Strong travel coverage
    The inconvenients
    • Does not offer credit for Global Entry / TSA PreCheck registration fees
    • Best deal ever! Earn 100,000 bonus points after spending $ 4,000 on purchases in the first 3 months after opening the account. That’s $ 1,250 when you redeem through Chase Ultimate Rewards®.
    • Earn 2X points on meals, including eligible delivery services, take out and restaurant meals and travel. Plus, earn 1 point per dollar spent on all other purchases.
    • Get 25% more value when you redeem for airline tickets, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $ 1,250 for a trip.
    • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits for existing purchases in certain rotating categories.
    • Get unlimited shipping with $ 0 shipping and reduced service charges on qualifying orders over $ 12 for at least one year with DashPass, DoorDash’s subscription service. Activate before 12/31/21.
    • Count on Trip Cancellation / Interruption Insurance, Rental Car Collision Insurance, Lost Baggage Insurance and more.
    • Get up to $ 60 off an eligible Peloton Digital or All-Access subscription until 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take lessons using a phone, tablet or TV. No fitness equipment is required.

    Read our review
    Read our review A long arrow, pointing to the right

    Chase Sapphire Preferred 100,000 points are worth up to $ 1,250

    We’ll start with the number one reason to apply, and that’s the 100,000 points you’ll earn after spending at least $ 4000 on purchases in the first three months of your Chase Sapphire Preferred® card.

    Read more: Chase Sapphire Preferred Card Review

    If you redeem them for statement credits, 100,000 points are worth $ 1,000. But if you redeem through the Chase Ultimate Rewards travel portal, you get a 25% bonus, which makes your 100,000 points worth $ 1,250. You can also use Chase’s Pay Yourself Back feature, which also gets you the 25% bonus when you redeem points for purchases made at grocery stores, restaurants, home improvement stores, and charities. eligible until September 30, 2021.

    Beyond the sign-up bonus, the Chase Sapphire Preferred® Card earns:

    • 5 points per dollar on Lyft trips through March 2022
    • 5 points per dollar on purchases of Peloton, Trad bikes and accessories over $ 1,800 (with a maximum of 25,000 points) until March 2022
    • 2 points per travel dollar
    • 2 points per dollar on meals
    • 1 point per dollar on all other purchases

    You will have access to valuable Chase transfer partners

    Transferring your Ultimate Rewards points to Chase partner hotels and airlines can be one of the most cost-effective ways to redeem your Chase points. Chase currently has 10 airlines and three hotel partners, and they all transfer at a 1: 1 ratio.

    This means that 1 Ultimate Rewards point will turn into 1 air mile or hotel point. It is possible to get 2 cents per point value or even more by transferring your Ultimate Rewards points to travel partners instead of redeeming them through the portal.

    It goes well with the Freedom Flex or Freedom Unlimited

    Chase has several different credit cards that earn Ultimate Rewards points. Some of its cards, like the Chase Sapphire Preferred® Card, come with an annual fee. Other Chase credit cards like the Chase Freedom Flex℠ or Chase Freedom Unlimited® do not have an annual fee.

    If you only have Chase credit cards with no annual fee, you still earn ultimate rewards, but your points are only worth 1 cent each for travel booked through Chase or for cash back, and you are not. eligible to transfer your ultimate rewards to hotel or airline partners.

    Read more: Holding 3 Chase Cash Back Cards, including the new Chase Freedom Flex, can earn you over 1% on every dollar spent, with no annual fee

    So if you have a large collection of Ultimate Rewards points from an existing Chase Freedom card, this is a great reason to apply for the Chase Sapphire Preferred® card. You can then combine your Ultimate Rewards points with your Sapphire Preferred, and your existing Ultimate Rewards points instantly become potentially more valuable.

    You get benefits such as primary car rental insurance coverage

    In addition to the Ultimate Rewards points you earn from the Chase Sapphire Preferred® Card welcome bonus and the points you earn from your daily spending, the card also offers a variety of useful benefits.

    Read more: 5 Chase Sapphire Preferred Perks Make It One Of The Most Valuable Credit Cards Beyond Huge Signup Bonus And Rewards

    One of its best perks is Primary Car Rental Insurance – which covers damage due to collision or theft when you use your card to pay for your rental and decline the company’s collision insurance. rental – and you won’t have to bill your personal insurance first. (note that liability insurance is not included). While the coverage is not as comprehensive as that of the Chase Sapphire Reserve® premium, the Chase Sapphire Preferred® card is still one of the

    best credit cards
    for car rental insurance.

    Make sure you are eligible for the Sapphire Preferred program before applying

    There are several good reasons to apply for the Chase Sapphire Preferred® card, but you should make sure you are eligible before submitting your request.

    The first question in determining your eligibility is whether you have opened five or more new credit card accounts in the past 24 months. If so, due to Chase’s 5/24 rule, you will not be approved for the Chase Sapphire Preferred® card until sufficient time has passed.

    Read more: Chase Sapphire Preferred Offers Record Signup Bonus – Here’s How To Check If You’re Eligible

    Second, you are only eligible for this offer if you currently do not have the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®, and you have not received any welcome bonus on any of these cards during of the last 48 months.

    If you already own a Chase Sapphire Reserve® (and have had it for at least four years), you might even consider getting rid of the Sapphire Reserve for the Sapphire Preferred offering. You will need to cancel your Chase Sapphire Reserve® (or downgrade it to a no annual fee card) before applying for a new Chase Sapphire Preferred® card.

    Regular APR

    15.99% -22.99% Variable

    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Advantages and disadvantages

  • Details


  • Benefits
    • High sign-up bonus allows you to start with a lot of points
    • Strong travel coverage
    The inconvenients
    • Does not offer credit for Global Entry / TSA PreCheck registration fees
    • Best deal ever! Earn 100,000 bonus points after spending $ 4,000 on purchases in the first 3 months after opening the account. That’s $ 1,250 when you redeem through Chase Ultimate Rewards®.
    • Earn 2X points on meals, including eligible delivery services, take out and restaurant meals and travel. Plus, earn 1 point per dollar spent on all other purchases.
    • Get 25% more value when you redeem for airline tickets, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $ 1,250 for a trip.
    • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits for existing purchases in certain rotating categories.
    • Get unlimited shipping with $ 0 shipping and reduced service charges on qualifying orders over $ 12 for at least one year with DashPass, DoorDash’s subscription service. Activate before 12/31/21.
    • Count on Trip Cancellation / Interruption Insurance, Rental Car Collision Insurance, Lost Baggage Insurance and more.
    • Get up to $ 60 off an eligible Peloton Digital or All-Access subscription until 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take lessons using a phone, tablet or TV. No fitness equipment is required.

    Read our review
    Read our review A long arrow, pointing to the right

    Dan Miller is a freelance writer and founder of PointsWithACrew.com, a site that helps families travel free / cheap. His home base is in Cincinnati, but he tries to travel the world as much as possible with his wife and six children.


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    FSC plans to let businesses apply for loans online https://blogcampcee.com/fsc-plans-to-let-businesses-apply-for-loans-online/ https://blogcampcee.com/fsc-plans-to-let-businesses-apply-for-loans-online/#respond Fri, 11 Jun 2021 16:00:00 +0000 https://blogcampcee.com/fsc-plans-to-let-businesses-apply-for-loans-online/

    • By Kao Shih-ching / Journalist

    The Financial Supervisory Commission (FSC) is considering allowing more types of corporate clients to apply for loans online to help them overcome the COVID-19 pandemic without creating a loophole for money laundering, a- she said Thursday.

    The commission currently only allows sole proprietorships – businesses owned by one person – to apply for loans entirely online because their ownership structure is straightforward and it is easier for lenders to complete knowledge reviews. client (KYC) on businesses and their owners.

    As banks have adjusted branch hours since a nationwide Level 3 COVID-19 alert began last month and more small businesses are required to apply for relief loans amid growing infections, the FSC is considering relaxing its regulations, bank bureau chief secretary Phil said. Tong (童 政 彰) said on a video conference.

    “The commission could allow businesses owned by two or three people to apply for loans online, as it shouldn’t be too difficult for banks to perform KYC on three people,” Tong said.

    Banks should review the credit and financial profiles of individual shareholders and exercise due diligence on companies before approving a loan application, Tong said.

    The FSC has asked the Bankers Association to put in place measures to facilitate such a practice, while the institution must also change disciplinary guidelines for its members, he said.

    To prevent money laundering, the commission would not consider allowing other types of businesses, such as those owned by more than three shareholders or owned by another company, to apply for loans online, as the KYC conduct and due diligence would be more difficult. , he said.

    The FSC has approved a Bankers Association proposal for banks to offer loans to existing corporate clients who have applied for loans online, as lenders already have their profile and the risks of money laundering or default. would be weaker, Tong said.

    Meanwhile, more than 403,000 businesses and individuals requested NT $ 3.49 trillion ($ 126.31 billion) in relief loans on Wednesday last week, according to FSC data yesterday.

    Comments will be moderated. Keep comments relevant to the article. Comments containing abusive and obscene language, personal attacks of any kind or promotion will be removed and the user banned. The final decision will be at the discretion of the Taipei Times.


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    A guide to DIY – Forbes Advisor https://blogcampcee.com/a-guide-to-diy-forbes-advisor/ https://blogcampcee.com/a-guide-to-diy-forbes-advisor/#respond Fri, 11 Jun 2021 11:00:35 +0000 https://blogcampcee.com/a-guide-to-diy-forbes-advisor/

    Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but this does not affect the opinions or ratings of our editors.

    If you’ve been in a financial hole, you may want to consider seeking help from a debt settlement company so you can say goodbye to your credit card bills or other debt.

    However, consumer protection experts say asking a debt settlement company to negotiate your debt settlement can be risky. Unfortunately, some debt settlement companies can over-promise and under-deliver, possibly leaving you in the same financial hole you’re trying to escape.

    As an alternative, you can settle the debt yourself. In fact, DIY debt settlement can work better than relying on a debt settlement company. Part of the reason is that professional debt settlement can be the most expensive and least effective way to clear debt.

    Find out if you qualify for debt relief

    Free estimate without obligation

    The basics of debt settlement

    Debt settlement involves negotiating with creditors to drastically reduce the amount of money you owe. Unlike less dramatic forms of debt relief, like debt consolidation or a debt management plan, with debt settlement you only pay back a portion of the principal you owe.

    Say, for example, you are behind on $ 5,000 that you owe to one credit card issuer and $ 5,000 that you owe to another credit card issuer. In order to get back at least some of their money, the card issuers then decide to accept a lump sum payment of 50% of what you owe. So instead of not receiving a dime from you, each creditor receives a lump sum payment of $ 2,500.

    Benefits of DIY Debt Settlement

    The main benefits of pursuing do-it-yourself debt settlement revolve around the cost. A DIY settlement avoids the fees you might pay to a professional debt settlement company.

    A debt settlement company may charge a fee totaling 15-25% of the amount settled. So, if you pay off a debt of $ 10,000 for $ 5,000, you may have to pay fees of up to $ 1,250 or even more.

    If you choose to negotiate a DIY debt settlement, you are not giving up your personal control over the timing of the process.

    Disadvantages of DIY Debt Settlement

    Whether you take on the task yourself or contact a debt settlement company, you could face a tax burden if you achieve a settlement. If a debt of at least $ 600 is forgiven, you will likely pay income tax on the canceled amount.

    Another downside to personal or professional debt settlement is that your credit score will drop and the settlement will stay on your credit report for seven years.

    And remember, if you decide to DIY, you’ll be on your own. In other words, you won’t have a debt settlement professional or someone else to negotiate on your behalf.

    The negotiation process

    Here are seven steps you can take as you get started on your debt settlement path.

    1. Dig into your debt. Before you do anything else, assess your debts. How much do you owe? Who are the creditors? Is it possible to repay debts without entering into a settlement agreement? Or would it be impossible to erase debts without getting a break on the amount you owe?

    2. Do your homework. Go online to find out how creditors (or debt collectors, if creditors no longer handle debt) handle debt settlement. If you can’t find the information online, call your creditors and ask them how they are handling debt settlement. Keep in mind that not all creditors will agree to a debt settlement.

    3. Hide money. Telling creditors that you saved money to settle the debt can give you an advantage in negotiating with them. This is because most will want a lump sum payment, although some may be fine with dividing the dollar amount into monthly payments.

    4. Prepare to negotiate. Once you’ve done your research and set aside some money, it’s time to figure out what your settlement offer will be. Typically, a creditor will agree to accept 40-50% of the debt you owe, although it can go up to 80%, depending on whether you are dealing with a debt collector or the original creditor. Either way, your first lump sum offer should be well below the 40% to 50% range to leave room for negotiation.

    5. Contact the creditor. With your offer in hand, call the creditor. Ask for a manager or the creditor’s “financial aid” department. You may need to call a few times until you end up talking to someone who understands your situation.

    6. Put it in writing. Once you and the creditor have agreed to a debt settlement, be sure to get the details in writing. This will help protect you in case any issues arise later.

    7. Pay the money. Now that you have the agreement in writing, you need to stick to the agreement. It means making a timely payment (or timely payments if you’ve made a longer-term plan) and paying every penny you’ve agreed to pay.

    How to negotiate with creditors

    When negotiating with a creditor, try to settle your debt at 50% or less, which is a realistic goal based on the creditors’ debt settlement history. If you owe $ 3,000, aim for a settlement of up to $ 1,500. However, you will begin your negotiations by offering to pay an amount significantly less than 50%, in order to give you and the creditor some room to negotiate.

    Be sure to let the creditor know that you have set aside money to make payments, whether it is a lump sum payment or a payment plan. This can give you an advantage in your negotiations. If you enter into a payment plan, ask if the creditor will lower the interest rate on the debt to ease your financial burden. During your negotiations, keep a written record of all your communications with a creditor. Finally, keep your cool and be honest. Being emotional and lying will not help your cause.

    Keep in mind that most creditors won’t settle a debt unless you are seriously behind on your payments. Additionally, if you negotiate with the original creditor, they may insist that you pay up to 80% of your past due debt.

    How to negotiate with debt collectors

    In some cases, a creditor may have turned your debt over to a debt collector. Debt collectors earn money by collecting overdue debts from a creditor, such as a credit card company.

    When dealing with debt collectors, be patient. It may take several attempts to get to the type of settlement you are comfortable with. Resist the pressure to agree to a settlement that is not in your best interests. Also ask if the debt collector is prepared to settle the debt through a payment plan rather than all at once, with a single lump sum payment.

    Final result

    Do-it-yourself debt settlement negotiations will almost certainly consume a good deal of your time and energy, and it could take some time to come to an agreement. Ultimately, however, all of your hard work may be worth it, especially if you are able to position yourself for a better financial future.

    Find out if you qualify for debt relief

    Free estimate without obligation

    Frequently Asked Questions

    What percentage of a debt is generally accepted in a settlement?

    A creditor can agree to accept between 40% and 50% of the debt you owe, but it can go up to 80%. The original creditor is likely to seek a higher percentage repayment. If you already have debt with a debt collector, they may be more willing to accept a lower amount.

    How Does Debt Settlement Affect Your Credit?

    Debt settlement can hurt your credit score by more than 100 points and the settlement will stay on your credit report for seven years. Add that to any past due debt you may already have, and your credit may take a long time to recover.

    Why is debt settlement considered a last resort?

    Debt settlement is considered a strategy of last resort because of the damage it causes to your credit. Other options that require you to pay off the full amount of the main debt – and therefore do not negatively affect your credit score – include debt consolidation and debt management plans.


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    Financial marketers need to rethink consumer banking campaigns https://blogcampcee.com/financial-marketers-need-to-rethink-consumer-banking-campaigns/ https://blogcampcee.com/financial-marketers-need-to-rethink-consumer-banking-campaigns/#respond Fri, 11 Jun 2021 05:44:59 +0000 https://blogcampcee.com/financial-marketers-need-to-rethink-consumer-banking-campaigns/

    Subscribe to The Financial Brand FREE by email!

    In the wake of the widespread digital migration during the pandemic, financial marketers have learned to reinvent their campaigns to support this continuous change, along with a renewed emphasis on personalized financial advice and wellness tools, and spikes in consumer spending on e-commerce.

    More importantly, they were challenged to improve the agility of their marketing production processes and develop martech stacks that allow faster access to data to enable real-time business decisions.

    A new type of credit card customer is emerging

    The pandemic has caused consumers to rethink their relationship with credit card debt. As unemployment rose, discretionary spending declined and many consumers used stimulus checks to pay off their credit cards. This had a significant impact on average consumer debt, with overall credit card balances down 14% at the end of 2020 from 2019. It was the first time in more than a decade that Credit card companies were experiencing this type of decline.

    When people used their credit cards, spending categories reflected more convenient and digital trends, such as a greater reliance on Amazon and other e-commerce options for everyday goods. Card companies have introduced new benefits and rewards to respond to this change, including offering credits and accelerators on daily purchases, digital subscriptions and delivery, and points to co-branded travel cardholders for customers. non-travel related purchases.

    To retain customers as spending continues to scale in 2021-2022, card companies are offering more flexible perks and rewards, such as allowing customers to redeem miles for purchases in new categories like streaming. and delivery or reimbursement in the form of statement credits. While the benefits of travel, rewards, and partnerships are expected to return – some have already done so – they will likely play a lesser role in the overall value proposition of many credit cards.

    Financial services marketers will need to adjust marketing campaigns to introduce new credit card features, educate and engage customers with new benefits and rewards, and clearly demonstrate the value of the credit card to consumers, by clearly demonstrating the value of the credit card to consumers. especially co-branded travel cards and premium cards with an annual fee. Some marketing tactics to achieve this:

    Replace “one size fits all” content in marketing campaigns with a message tailored to customer behavior. Has a consumer’s card usage slowed down since new benefits replaced old ones? Content that explains and reinforces the value of these new benefits may be appropriate. Has another consumer ever taken an interest in the new benefits you are marketing? This is a great opportunity to show them the value they have already gained by now, to further encourage their future use.

    Reinforce the value of the card throughout your marketing touchpoints. Don’t wait for a customer’s renewal anniversary to send a message quantifying the value the card offers – earned rewards, statement credits, and other perks. Although they are typically sent when a customer’s renewal date approaches, these reminders should be included throughout the lifecycle. A monthly email with a summary of the card’s value or a persistent banner highlighting the value the customer has seen to date are great ways to do this.

    SIGN UP FOR THIS FREE WEBINAR

    Leveraging Location for Growth: How to Expand into New Markets and Thrive

    To be competitive after COVID, financial institutions must grow to survive, often by seeking new opportunities in new markets.

    Wednesday, June 16 at 2 p.m. (ET)

    Growing relationships with retail banking clients

    During the pandemic, Google searches for topics related to the recession and debt and phrases such as “forbearance” and “cannot pay rent” have skyrocketed across much of the country. Now that the economy is recovering, many banks and credit unions have focused on growing the checking and savings customer base by incentivizing premium deposit products or turning them into multi-relationship consumers through the cross-selling.

    Marketers will be at the heart of this, deploying sophisticated marketing campaigns that leverage personalized offers that match the unique needs of an individual customer. A few tips:

    Consider real-time customer needs and behaviors. Develop a set of automatic “always-on” communications that can present the most current and relevant offers to consumers across all channels. For example, send a remarketing email with the latest loan offers to people who have recently viewed loans on your website. Or deploy an in-app suggestion for a checking account that includes overdraft protection after a customer bounces.

    Extend “next best action” and decision engine capabilities beyond your website and into customer relationship management channels such as email and mobile. Most financial services brands take advantage of advanced decision engine technology on their websites to display recommended offers or the next best stocks in real time. Consider investing in building APIs that can convey this decision to other channels.

    Generate more business with powerful digital and mobile users

    Mobile banking experienced a renaissance in 2020 and the number of app users is expected to rise again in 2021. Financial consumers are demanding a seamless omnichannel experience more than ever. Now, marketers are tasked with converting mobile customers into regular users, where their value as customers increases. Personalized marketing campaigns can help new banking customers set up their mobile app and integrate without having to visit a branch or even a website.

    Here are some ways marketers can empower powerful digital and mobile users:

    Encourage regular connections to applications by enriching push notifications using “rich push” technology. Such notifications allow marketers to include personalized images and content in notifications, exceeding the engagement seen on standard text-only notifications.

    Proactively display engaging offers and reminders in the app using built-in interstitials. Banking apps contain valuable reminders of account benefits or available offers, but they are often hidden deep within the app interface, making them difficult for the customer to find. A tactfully integrated and personalized interstitial highlighting this content can encourage customers to repeatedly log in to the app.


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    Woman uses stolen credit cards at several Springfield gas stations https://blogcampcee.com/woman-uses-stolen-credit-cards-at-several-springfield-gas-stations/ https://blogcampcee.com/woman-uses-stolen-credit-cards-at-several-springfield-gas-stations/#respond Fri, 11 Jun 2021 04:05:00 +0000 https://blogcampcee.com/woman-uses-stolen-credit-cards-at-several-springfield-gas-stations/

    SPRINGFIELD, Missouri (KY3) –

    The victim also reported the theft of money, two phone chargers and a bottle of prescription drugs.(Greene County Sheriff’s Office)

    In this week’s Catch a Crook, MPs attempt to identify a woman who used stolen credit cards to purchase items at several gas stations in Greene County. The victim said his handbag was stolen on May 6 from his vehicle in the driveway. The thief also took some phone chargers, money and a bottle of prescription drugs.

    The initial crime took place on May 6, 2021.
    The initial crime took place on May 6, 2021.(Greene County Sheriff’s Office)

    The crime took place in the Lakewood Village apartments near South Campbell Avenue and West Lakewood Street. The neighborhood is south of the James River Freeway and east of the Library Center. Security video shows a woman using the victim’s stolen credit cards at three Kum & Go gas stations and a Phillips 66 in Springfield.

    Greene County MPs search for vehicle and say man could also be linked to ...
    Greene County MPs are looking for a vehicle and say a man could also be linked to the thefts.(Greene County Sheriff’s Office)

    Surveillance cameras also captured the suspect’s vehicle. Greene County MP Jason Winston describes it as a new 4-door silver sedan. Security video shows a man sitting in the passenger seat.

    Courtesy of the Greene County Sheriff's Office
    Courtesy of the Greene County Sheriff’s Office(Greene County Sheriff’s Office)

    If you recognize the woman or have any information, call the Greene County phone line at 417-829-6230.

    To report a correction or typo, please send an email digitalnews@ky3.com

    Copyright 2021 KY3. All rights reserved.


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    10 great ideas to improve life in small and medium cities https://blogcampcee.com/10-great-ideas-to-improve-life-in-small-and-medium-cities/ https://blogcampcee.com/10-great-ideas-to-improve-life-in-small-and-medium-cities/#respond Thu, 10 Jun 2021 22:23:00 +0000 https://blogcampcee.com/10-great-ideas-to-improve-life-in-small-and-medium-cities/

    The Future of Everything covers the innovation and technology that is transforming the way we live, work and play, with monthly issues on health, money, artificial intelligence and more. This month it’s Cities & Real Estate, online from June 4 and in the newspaper on June 11.

    For those who want to know what the United States might look like 20 years from now, a look at a handful of small and medium-sized cities offers clues. As mayors seek to fill gaps in their budgets, help people who have lost their jobs, or fix crumbling infrastructure, they turn to ideas that would have been unthinkable decades ago. They’re testing ambitious social programs, including universal income and repairs, adding sensors to everything from sewers to streetlights, and testing autonomous shuttles.

    American cities have always been testing labs for new ideas, but the Covid-19 pandemic has accelerated the pace of innovation. The pandemic has created a ‘sense of urgency’ to address issues such as economic inequality, lack of child care and unequal internet access, says Debbie Cox Bultan, CEO of NewDEAL, a network of progressive elected officials .

    Bold and controversial ideas are often easier to test in cities than at the federal level, where legislative obstruction and partisan deadlock make it difficult to pass laws. Their supporters hope that if they work they will eventually spread across the country. “These local initiatives are nimble,” says Robin Street Simmons, a former Evanston, Ill., City councilor, who led the campaign for a repair program in the city. “We are able to respond quickly and hear precisely from our neighbors whom we serve. “

    Here’s a look at 10 great ideas being tested in small and mid-sized cities across the United States.


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    How does it work and is it worth the risks? – Councilor Forbes https://blogcampcee.com/how-does-it-work-and-is-it-worth-the-risks-councilor-forbes/ https://blogcampcee.com/how-does-it-work-and-is-it-worth-the-risks-councilor-forbes/#respond Thu, 10 Jun 2021 16:30:22 +0000 https://blogcampcee.com/how-does-it-work-and-is-it-worth-the-risks-councilor-forbes/

    Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but this does not affect the opinions or ratings of our editors.

    When you are struggling with past due debt, you might wonder if debt settlement is the right way to deal with it. This can be a viable option, depending on which approach you take: going to a third-party debt settlement company or settling the debt on your own.

    Experts warn that using a debt settlement company can be an expensive and risky alternative. Meanwhile, a do-it-yourself settlement plan may work, but it can be difficult to achieve.

    Read on to learn more about the ins and outs of working with a debt settlement company.

    Find out if you qualify for debt relief

    Free estimate without obligation

    The basics of debt settlement

    Debt settlement, also known as debt negotiation, involves writing off debt by paying off part of it all at once. This sum is usually much less than what you owed initially.

    For the borrower, debt settlement can provide financial relief and put them on the path to rebuilding their credit. For the creditor, debt settlement allows him to receive at least part of the money owed to him rather than no money at all. Also, it can mean that the borrower can avoid filing for bankruptcy. Although, according to some experts, filing for bankruptcy may be the best alternative in some cases.

    Normally, debt settlement involves money you owe credit card issuers, rather than other types of debt. But you may also be able to settle other unsecured debts.

    How Debt Settlement Works

    Debt settlement handled by a debt settlement company differs from taking a DIY approach. Here is what the process looks like when hiring a debt settlement company.

    1. Look for debt settlement companies. A number of legitimate debt settlement companies operate in the United States. Most states require them to be licensed. Debt settlement companies are supposed to follow industry regulations designed to protect consumers and their money.

    2. Be careful. If a debt settlement company promises certain results, proceed with caution. For example, they cannot guarantee that a creditor will even agree to a debt settlement. As you research, check the websites of your Better Business Bureau, your state’s attorney general’s office, and consumer protection agencies like the Consumer Financial Protection Bureau (CFPB).

    3. Learn about the costs. Once you’ve focused on a debt settlement company, find out how much they charge for debt settlement. If the company sidesteps your cost questions, it may be a sign that this is a shady transaction. Debt settlement companies typically charge a fee of 15% to 25% to settle your debt; it can be a percentage of the original amount of your debt or a percentage of the amount you agreed to pay. Let’s say you have $ 10,000 in debt and you settle for 50%, or $ 5,000. In addition to the $ 5,000, you may be required to pay an additional $ 750 to $ 1,250 in fees to the debt settlement company.

    4. Review your finances. Debt settlement companies often require that you put money in a special savings account for 24 months or more before the debt is fully settled. These payments are used as a lump sum settlement of your debt. In some cases, you may find it difficult to keep up with these payments. Therefore, you may give up on the settlement agreement before all or part of your debt is paid off. To avoid this scenario, take a look at your budget to see if you would be able to pay off debt for 24 months or more.

    5. Ask about the schedule. It often takes two to four years to complete the debt settlement process. During this period, you can accumulate interest and fees charged by the creditor, in addition to the fees charged by the debt settlement company. Why might you be charged interest and fees by a creditor? Because debt settlement companies often suggest that you stop making payments to your creditor while you are working with a settlement company and instead transfer that money to a special savings account. Be aware that if you have interrupted payments to your creditor, you could be contacted by debt collectors or even be sued.

    6. Select a debt settlement company. If you are fully aware of the potential pitfalls and ready to move forward with debt settlement, it is time to choose a debt settlement company based on your research.

    7. Nail the details. Before doing business with a debt settlement company, make sure you are familiar with the schedule and fees. Additionally, ask how much of your upfront payments will go to company expense and how much money you will end up paying over time.

    8. Know the tax consequences. The IRS considers any canceled debt as taxable income if it exceeds $ 600. So if you settle a debt of $ 10,000 for $ 5,000, the $ 5,000 that was forgiven will likely be taxed.

    The risks of debt settlement

    Debt settlement can be good or bad, depending on your situation. Here are some potential risks associated with debt settlement.

    Negotiation issues

    The harsh truth is that the creditor can reject the offer to settle. Therefore, you and the debt settlement company may need to submit a counter offer. You might also be required to contact the original creditor to see if you can work out a payment plan. In the worst case, you may owe more than you initially owe and a rejected settlement offer could send you out of business.

    Increase in debt

    Fees paid to a debt settlement company or fees and interest charged by an original creditor could add hundreds or even thousands of dollars to your debt.

    Negative impact on credit rating

    Since creditors are motivated to settle debt only when they think it’s the only way for them to get paid, your accounts may already be or will become overdue when you make payments to the settlement company. debt. A debt settlement will lower your credit rating, perhaps by more than 100 points, and the damage could last awhile: a debt settlement will stay on your credit report for at least seven years.

    Alternatives to debt settlement

    If you find yourself burdened with debt, you have several options that are less risky than debt settlement, whether working with a debt settlement company or conducting homemade debt settlement negotiations. Here are four alternatives to debt settlement.

    Balance transfer

    You may be able to transfer your debt through a balance transfer to a credit card that offers 0% APR for an introductory period, up to 18 months. If you pay off the balance before the 0% period expires, you can avoid accumulating interest on the debt.

    Debt Consolidation Loan

    A debt consolidation loan can allow you to combine multiple debts into one reasonable monthly payment at a lower interest rate than you are currently paying.

    Non-profit credit counseling

    Visit with an advisor to a non-profit organization credit counseling agency can help you get back on your feet financially. Among other things, a credit counselor can help you budget, make recommendations on debt consolidation, advise you to close at least some of your credit card accounts, or advise you on bankruptcy.

    Debt management program

    One of the tools available to a nonprofit credit counselor is a debt management plan, or debt management program (DMP). If you’re enrolled in a DMP, the advisor will consult with your creditors to work out a debt repayment plan that combines your debts into one monthly payment, a payment that may be less than the total of all the payments you make. now.

    Next Steps If You Want To Move On With Debt Settlement

    If you want to proceed with debt settlement, be sure to consider the impact it will have on your credit. For example, how much could your credit score drop and how long will the debt settlement stay on your credit report? And how much will the debt settlement company charge for negotiating with your creditors?

    Final result

    There are significant risks involved in settling debts through a business. Therefore, it is important to weigh potential alternatives, such as debt consolidation or nonprofit credit counseling, before entering into a relationship with a debt settlement company.

    Find out if you qualify for debt relief

    Free estimate without obligation

    Frequently Asked Questions

    What percentage of a debt is generally accepted in a settlement?

    Typically, you can expect a creditor to agree to repay around 50% of the total debt owed. In settling your debt, the creditor agrees that it is better to receive partial payment than to risk not receiving payment.

    How Does Debt Settlement Affect Your Credit?

    Settling debts can drop more than 100 points in your credit score, and it stays on your credit report for seven years. If your creditors close accounts as part of the settlement process, it can lead to increased use of your credit, which also negatively affects your credit score.

    Can you negotiate debt settlement yourself?

    Yes, you can negotiate your debt settlement on your own, although it may take a long time and patience to get there. You will need to have the necessary cash to make the required payments. And remember that your creditors are not required to agree to a debt settlement.


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    Citi launches new personalized Citi Cash credit card https://blogcampcee.com/citi-launches-new-personalized-citi-cash-credit-card/ https://blogcampcee.com/citi-launches-new-personalized-citi-cash-credit-card/#respond Thu, 10 Jun 2021 14:52:28 +0000 https://blogcampcee.com/citi-launches-new-personalized-citi-cash-credit-card/

    Select’s editorial team works independently to review financial products and write articles that our readers will find useful. We may receive a commission when you click on product links from our affiliate partners.

    Citi is an advertising partner. Select may receive an affiliate commission when you click on product links from our partners. This commission does not influence the opinions, recommendations or placement of products on our site.

    Citi launched a new no-annual fee cash back credit card to help consumers put more money back in their pockets on the things they spend the most on.

    With the new Citi Custom Cash Card℠, cardholders can earn 5% cash back on purchases in their highest qualifying spend category each billing cycle, up to the first $ 500 (then 1%). This card rivals Citi’s other no-annual fee cash back credit card, the Citi® Double Cash Card, but the latter does not offer a sign-up bonus to new members.

    Citi Custom Cash Card℠

    • Awards

      5% cash back on purchases in the best eligible expense categories each billing cycle, up to the first $ 500 (then 1%); 1% unlimited cash back on all other purchases

    • Welcome bonus

      Earn $ 200 cash back after spending $ 750 on purchases in the first 3 months after opening the account. The bonus offer will be filled as 20,000 Thanks® Points, which can be redeemed for $ 200 cash back.

    • Annual subscription

    • Intro APR

      0% APR on balance transfers and purchases for the first 15 months

    • Regular APR

      13.99% to 23.99% variable

    • Balance transfer fees

      5% of each balance transfer ($ 5 minimum)

    • Foreign transaction fees

    • Credit needed

    Here’s what sets the Citi Custom Cash Card apart.

    Welcome bonus

    The welcome bonus on the Citi personalized payment card has a fairly low spending threshold: Earn $ 200 in cash back after spending $ 750 on purchases in the first three months of opening the account (achieved as 20,000 Thanks® Points, which can be redeemed for $ 200 cash back).

    You can either spread the $ 750 of spending over three months, or if you have a big purchase you have planned to make, you can quickly eliminate the required spending. You’ll even have more time to pay off your balance with the 0% introductory period of the Citi Custom Cash Card offered on purchases (and balance transfers) for the first 15 months (after that, 13.99% at 23. 99% variable APR).

    While we recommend that you get into the habit of paying off your credit card balance in full each month to avoid paying interest, this interest-free period gives you more time if you need it. Just make sure you have a plan to pay off your balance before the 15 months are up.

    Rewards program

    Citi personalized payment card members earn the following rewards:

    • 5% cash back on highest qualifying spend category purchases each billing cycle, up to the first $ 500 (then 1%)
    • Unlimited 1% cash back on all other purchases

    Eligible expense categories include everything from restaurants and grocery stores to gas stations, some travel, some transit, some streaming services, drug stores, home improvement stores, fitness clubs, and live shows.

    Popular cash back credit cards, such as Discover it® Cash Back and Chase Freedom Flex℠, have rotating bonus categories (chosen by the bank) that cardholders must enter each quarter. But with the Citi Custom Cash Card, as your spending changes with each billing cycle, you’ll be able to automatically choose your bonus categories (from the list above) and earn 5% on what you spend the most. .

    If you were to maximize the 5% rebate on up to $ 500 in spending each month, you could end up with $ 25 per month in cash back, or $ 300 per year.

    At the end of the line

    With its personalized cash back program and easily accessible welcome bonus, the Citi personalized payment card is a good choice for just about any new cardholder. Plus, you don’t have to commit to paying an annual fee for the card.

    Those looking for 5% cash back on a higher limit than the first $ 500 spent in their highest qualifying spend category in each billing cycle should consider the US Bank Cash + ™ Visa Signature® card (also without annual fees). This is a flexible 5% cash back card that lets you choose of them categories each quarter to earn 5% cash back until your first $ 2,000 in combined qualifying purchases, then 1%.

    Unlike the Citi Custom Cash card, however, activation is required to earn 5% cash back on the US Bank Cash + Visa Signature card. Cardholders also get 2% cash back on one everyday category and 1% cash back on everything else.

    US Bank Cash + ™ Visa Signature® card

    US Bank Cash + ™ Visa Signature® card information was independently collected by Select and was not reviewed or provided by the card issuer prior to publication.

    • Awards

      5% cash back on two categories you choose each quarter (on your first $ 2,000 of combined qualifying net purchases each quarter, then 1%); 2% cash back on an everyday category; 1% cash back on everything else

    • Welcome bonus

      $ 200 after spending $ 500 in the first 90 days of opening the account

    • Annual subscription

    • Intro APR

      0% APR for the first 12 billing cycles on balance transfers

    • Regular APR

      13.99% to 23.99% variable *

    • Balance transfer fees

    • Foreign transaction fees

    • Credit needed

    US Bank Cash + ™ Visa Signature® card information was independently collected by Select and was not reviewed or provided by the card issuer prior to publication.

    For prices and fees for Discover it® Cash Back, click here.

    Editorial note: Any opinions, analysis, criticism or recommendations expressed in this article are the sole responsibility of the editorial staff of Select and have not been reviewed, endorsed or otherwise approved by any third party.


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    NACCUG savings go from 1.3 billion dinars to 1.5 billion dinars | https://blogcampcee.com/naccug-savings-go-from-1-3-billion-dinars-to-1-5-billion-dinars/ https://blogcampcee.com/naccug-savings-go-from-1-3-billion-dinars-to-1-5-billion-dinars/#respond Thu, 10 Jun 2021 11:15:01 +0000 https://blogcampcee.com/naccug-savings-go-from-1-3-billion-dinars-to-1-5-billion-dinars/

    By Maimuna Sey-Jawo

    The president of the Gambia National Association of Credit Cooperatives (NACCUG) revealed that the umbrella body of all credit unions in The Gambia has grown from GMD 1.3 billion in December 2019 to GMD 1.5 billion in December 2020, which represents a growth rate of 19%. Indeed, 256,625.49 million GMD was recorded as a growth in savings representing 256% of the annual target of 100 million GMD.

    According to the president’s report, during the period under review, the number of members increased from 78,511 in December 2019 to 88,336 in December 2020, an increase of 13%. Indeed, a net growth of 9,825 new members was recorded during the period under review, representing 98 percent of the annual target of 10,000 new members.

    The President, Alieu Bittaye, was speaking at the 27e The Gambia National Association of Credit Cooperatives (NACCUG) Annual General Meeting over the weekend in a ceremony held at the NACCUG headquarters in Kanifing revealed this.

    As part of its commitment to hire, train and retain qualified staff, in line with Pillar 2 of our strategic plan, he said, NACCUG has supported staff members over the years under review to pursue a career path. professional training relevant to their fields of activity.

    The theme of this year’s AGM was “Managing Credit Unions in the Age of a Global Pandemic”.

    However, President Bittaye said a statement by the representative of the Governor of the Central Bank of The Gambia, Ciyaka Bah, revealed that “credit unions have experienced considerable growth in terms of total assets reaching over 1.5 billion dinars and 1.2 billion dinars respectively in 2020. As of December 2020, there were up to 54 cooperative credit unions affiliated to NACCUG with a total of 97,465 members. credit unions over the years indirectly through Apex NACCUG. Thus, given the level of sophistication of large credit unions, there is an urgent need to subject them to direct regulation and supervision by the CBG . ‘


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    Linked Finance secures an additional 5 million euros to lend to SMEs https://blogcampcee.com/linked-finance-secures-an-additional-5-million-euros-to-lend-to-smes/ https://blogcampcee.com/linked-finance-secures-an-additional-5-million-euros-to-lend-to-smes/#respond Thu, 10 Jun 2021 05:05:28 +0000 https://blogcampcee.com/linked-finance-secures-an-additional-5-million-euros-to-lend-to-smes/

    The non-bank lender, Linked Finance, has secured an additional € 5 million in funds to lend to businesses under the government’s Covid-19 credit guarantee program.

    The peer-to-peer lending platform claims to have already funded more than € 10 million in loans to small and medium-sized business (SME) clients since January, when it became the first non-bank lender to offer loans through the government program.

    The funds are administered through the Strategic Banking Corporation of Ireland, which makes low cost credit available to Irish SMEs.

    The € 2 billion credit guarantee program – the largest ever state-backed loan guarantee in Ireland – offers an 80% government guarantee to participating lenders to enable Irish businesses to access loans at low interest rate when responding to the impacts of Covid-19.

    It has been announced in recent months that the CGS will remain open for applications until the end of the year.

    “The award of a second tranche demonstrates the success of the alternative lenders participating in the program and shows the improvement in the range of options available to companies looking to access finance quickly and efficiently in a transparent online process,” Niall O’Grady, CEO of Linked Finance said.

    Linked Finance also announced the launch of a new SME Recharge Loan that will provide pubs, restaurants, hosts and cafes with a loan of up to € 50,000 to help them reopen, restock and rehire as pandemic restrictions. are relaxed.

    Hotels reopened from June 2 and bars and restaurants also reopened for outdoor service.

    The loan term is 13 months, with no repayment in the first month.


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