Blog Campcee Wed, 21 Sep 2022 14:39:00 +0000 en-US hourly 1 Blog Campcee 32 32 Andhra Pradesh: Online lending app gangs poured money into cryptocurrency trade, police say Wed, 21 Sep 2022 14:39:00 +0000

“The operators opened fake accounts in several banks and used them to carry out illegal business transactions”

“The operators opened fake accounts in several banks and used them to carry out illegal business transactions”

Police in Krishna district, which shut down the illegal operations of Maharashtra-based online lending apps, said the fraudsters operated by opening fake accounts in several banks and investing in cryptocurrency trading.

Loan application officers reportedly harassed those who took out loans but failed to repay. They allegedly sent transformed nude photographs, vulgar and insulting messages to defaulters and their relatives.

“Following a complaint, we planned a decoy operation. A police officer deposited money in a bank account belonging to a loan application. The Cybercrime and IT Core team tracked the transactions of the account, which led to Sinnar village in Maharashtra. With the help of local police, we have arrested four people associated with the loan application,” said Police Superintendent P. Joshua Krishna.

The investigation revealed that the gangs were investing in cryptocurrency trading and the apps had ties to other countries. Some bank officers and collection agencies are also under scanner, says the SP.

“The accused opened accounts en masse in several banks. They operated from remote locations and changed phone SIM cards frequently. They hired recovery agents locally in the states where they operated. The defendants were operating from New Delhi, Maharashtra, West Bengal, Haryana and other states,” Mr Joshua said.

Lending app operators were opening accounts at banks with more branches with online banking in some locations. The operators hired professionals to create the applications and transform the photographs of the defaulters.

Police are investigating how loan app operators opened multiple bank accounts by submitting fake credentials and how they managed to obtain bulk phone SIM cards, which debt collectors have used to blackmail defaulters, the SP said.

“The lending app operators were making huge transactions through the fake bank accounts on a daily basis. We are investigating how the transactions went unnoticed by the banking authorities,” Mr Joshua said.

The SP called on people not to download or use such fraudulent loan apps.

‘How can I pay off my debts and support my family?’ Wed, 21 Sep 2022 05:03:45 +0000

I have been sending money to my family since the start of this year as they struggle to cope with unemployment and the rising cost of living in our home country.

Fortunately, I have a job in the United Arab Emirates, but it looks like I will still be the main breadwinner for a while, in addition to paying my own daily expenses, such as rent, food and utilities.

However, I have no savings and am also paying off credit cards and a personal loan.

I withdraw money from my credit cards to support my family, which I know is not ideal.

My budget is stretched and I’m struggling to keep up with my loan and credit card repayments as one of the cards I use for my family is fast approaching its credit limit of Dhs 10,000 and I I am unable to repay it in full.

Do I need to consolidate my debts to be able to continue to help my family financially? JD, Dubai

Debt Speaker 1: R Sivaram, Executive Vice President and Head of Retail Banking Products at Emirates NBD

A credit card is a financial tool that can help you easily manage your day-to-day payments and transactions, access short-term credit, benefit from attractive shopping offers and discount programs, and to earn rewards based on your spending.

However, if your credit card spending is out of control, monthly payments and accrued interest can also increase and lead to potential financial problems.

Paying only the minimum amount required each month is a common practice adopted by many cardholders.

However, keep in mind that it can also lead to continued debt growth due to compound interest charges, leading to larger regular payments and the threat of falling into a spiral of debt.

You also mentioned that you are withdrawing money to your credit card – this will only add to your burden as you will start paying high interest from the moment you withdraw the money.

Regarding your situation, one thing you can do right away is talk to your bank and share all the details of your financial situation.

Based on your proactive approach, your bank will likely be willing to reconsider and possibly consolidate your debt into a personal loan with a lower interest rate and longer payment term.

Ideally, you should be looking for a low monthly repayment over a longer period, which will give you flexibility while hopefully avoiding having to borrow again.

When you approach your bank for a loan consolidation, you need to have a clear plan detailing your income and expenses — this will help you clearly define how you propose to repay your loans and get out of debt.


Watch: Why is everything so expensive right now?

It’s also important to work out a budget plan and set a monthly limit on your discretionary spending outside of essentials, such as groceries, utilities, tuition, and the like.

Try to get into the habit of setting aside a percentage of your income as savings to help out on “rainy days”. As the saying goes: pay yourself before you take care of your monthly expenses.

It is commendable that you ask for help with your situation in order to put changes in place before it is too late. I wish you all the best in coming to a positive resolution with your bank, as well as making the necessary changes to your budgeting and spending.

Debt 2 Panelist: Jaya Ratnani, Managing Partner at Freed Financial Services

We can all go through a period when we strongly feel the financial crisis.

It’s good that you support your family. But if your financial situation is not resolved immediately, chances are you will be caught in an endless spiral of debt.

Depending on your current situation, the best possible solution is to contact the bank and ask for a debt consolidation plan, which is offered by almost all well-known banks in the UAE.

This will help you manage all outstanding debts together into one consolidated monthly payment.

By taking out a debt consolidation plan, you can avoid the high annual interest rates applicable to your credit card liability.

When you think about freeing up more money in your budget, you have two levers at your disposal: reduce expenses or increase income.

Alison Soltani, Founder of Leap Savvy Savers

Instead, the revised monthly installment amount will allow you to repay your outstanding amount in a structured way and help balance your income against your debts.

It is advisable to prepare a thorough analysis of your current financial situation that covers all your expenses and other liabilities.

Ask the bank for a monthly payment that you can pay without difficulty and help you recover from your debts.

The bank will assess your current situation and develop a debt consolidation plan based on your repayment capacity.

To start, you should immediately focus on spending only on the essentials and make a realistic budget based on your income and not on your expenses.

You can try allocating funds for essential expenses such as rent, paying debts, food, utilities, and transportation. From the remaining amount, aim to build up an emergency fund, which will make it easier to manage unforeseen emergencies.

Debt 3 Panelist: Alison Soltani, Founder of Leap savvy savers

Living beyond your means, even for noble reasons like helping people, is risky.

I appreciate your efforts to support your family. However, this is not sustainable and if you continue on this trajectory, you may reach a point where you cannot support others or yourself.

I suggest talking honestly to your family and explaining that things are difficult for you.

Check if there are other ways to help them, for example, government or municipal support, charities or food banks.

Unemployment may be a problem for your family members, but is there an opportunity for part-time or freelance work to generate income? Look for alternative solutions to minimize the contributions you pay while repaying your debt.

To deal with your current debt, there may be an option to consolidate them with a single loan or transfer your balance to a credit card with a temporary 0% interest rate offer.

However, I would never recommend cashing out on credit cards as it carries one of the highest interest rates you can incur. When you withdraw money with your credit card, interest and fees are applied immediately and accrue daily. I would refund this urgently.

You may encounter problems with your credit rating when applying for a consolidation loan.

You can easily and inexpensively check your credit score and report on the Al Etihad Credit Bureau website.

A good score of more than 680 will increase the chances of success with your credit applications. If your credit score is below this, you may need to review your budget before applying for a consolidation loan or a low-interest credit card.

When you think about freeing up more money in your budget, you have two levers at your disposal: reduce expenses or increase income.

See if you can eliminate or reduce expenses — you need to maintain your own budget before you can help others.

You might be surprised how much you can reduce – necessary expenses such as rent, travel and food can often be reduced. For example, you may be able to move to a cheaper house closer to your job or take on a tenant if you have a vacant room.

The other option you have is to increase your income, even temporarily while you pay off the debt.

You might consider working extra shifts, training for a promotion, or offering services or products in your spare time.

I wish you the best of luck in getting to a place where you can provide support for your family from a place of financial security.

The Debt Panel is a weekly column to help readers manage their debts more effectively. If you have a question for the panel, write to

Updated: September 21, 2022, 5:00 a.m.

]]> Air Canada’s Aeroplan Credit Card Is Worth It For US Travelers Tue, 20 Sep 2022 20:00:41 +0000

AFAR partners with and may receive commission from card issuers. This site does not include all financial companies or all available financial offers. Compensation can impact how an offer is presented. Our coverage is independent and objective, and has not been reviewed, endorsed or endorsed by any of these entities. The views expressed here are entirely those of AFAR’s editorial team.

It might seem like a strange recommendation to get an Air Canada branded credit card if you live in the US or have no plans to visit Canada. But listen to us.

The current introductory bonus on Air Canada flights Aeroplan® Credit Card is a big one, especially for a card with a $95 annual fee. Currently, new cardholders can earn 70,000 points after spending $3,000 on purchases in the first three months. Air Canada’s loyalty program, Aeroplan, has more rewards partners than any other loyalty program in the world – currently 45 and counting – serving more than 1,300 global destinations. To get an idea of ​​the lucrative redemption possibilities this offers you, the welcome bonus of 70,000 points is enough for a return economy class ticket from New York to Lisbon, Portugal, on the TAP Portugal partner or a one-way business class. Not bad!

In addition, the card gives triple points in popular spending categories such as groceries and dining, offers Global Entry, TSA PreCheck or Nexus statement credit (every four years) and provides a number of free travel insurance. When you fly with Air Canada, you get one free checked bag and Aeroplan 25,000 Elite status with your credit card.

Here’s everything you need to know about the benefit-packed Chase Aeroplan Credit Card and why it’s worth getting now, whether or not you plan to visit or reside in Canada anytime soon.

A valuable welcome offer

The current introductory bonus on Air Canada flights Aeroplan credit card allows new cardholders to earn 70,000 points after spending $3,000 on purchases in the first three months.

If used wisely, 70,000 Aeroplan points can go a long way. As a founding member of Star Alliance, Aeroplan has access to rewards inventory from 26 alliance members, including Austrian Airlines, Avianca, Copa Airlines, Lufthansa, Swiss, Turkish Airlines, United Airlines, and more. Add independent partnerships with nearly 20 other carriers, including Etihad Airways and Oman Air, and you have the most comprehensive search engine of any airline program in the world, offering award seats on over 45 airlines.

To give a few simple best-case-scenario examples, short-haul flights (less than 500 miles) within North America, such as Boston to Montreal or New York to Toronto, can cost as little as 6,000 Aeroplan points per trip in economy class with Air Canada. A one-way ticket from Boston to Zurich, Switzerland on Swiss can cost 35,000 points in economy class or 60,000 points in business class. And a round-trip business class ticket on COPA Airlines from Miami, Florida to San Jose, Costa Rica generates 40,000 Aeroplan points and only 20,000 in economy class.

Points enthusiasts will appreciate Aeroplan’s stopover feature which allows for an extended layover en route to a final destination, subject to award availability. When flying from Miami to San Jose, Costa Rica on COPA, for example, it’s possible to add an extended layover in Panama City for an additional 5,000 points. This can be achieved by using Aeroplan’s new Multi-City/Beta search tool launched in September 2022, available directly on the homepage.

In other good news, the number of points required for an Aeroplan redemption is often much lower than that of the MileagePlus loyalty program through United Airlines. On top of that, cardholders can enjoy preferential rates on airline rewards (read: fewer points). On the other hand, it’s not always easy to know exactly how many Aeroplan points you’ll need for your flight: Aeroplan’s somewhat complicated rewards chart is based on geography, distance flown and dynamic pricing . It’s worth familiarizing yourself with Aeroplan’s search engine and playing around with the dates to find the best prices.

Easily top up your Aeroplan balance

Those with Chase Ultimate Rewards, American Express Membership Rewards and Capital One Points can transfer credit card points to the Aeroplan program at a 1:1 ratio. This makes it easy to combine points spent on your Aeroplan Card with points earned on other general travel credit cards, collectively amassing enough for coveted business class tickets to far-flung locations, if you don’t have the only Aeroplan card.

Plus, Aeroplan allows members to pool and share points among up to eight family members, making it even easier to collect enough miles for your dream award tickets.

Earn lots of points

Besides the introductory bonus, the Aeroplan Card is full of opportunities to earn extra points on daily spending. The card win rates are as follows:

  • Earn three points per dollar spent at groceries
  • Earn three points per dollar on meals, including eligible takeout and delivery services
  • Earn three points per dollar spent directly with Air Canada
  • Earn one point per dollar on all other purchases

But the gains don’t stop there. Another outstanding feature of this credit card is the ability to earn bonus points when you reach spending thresholds each month. Earn 500 bonus points for every $2,000 spent in a calendar month (up to a maximum of 1,500 points per calendar month, or a total of $18,000 per year).

Global Entry, TSA PreCheck or Nexus statement credit

A Global Entry or TSA PreCheck statement credit (every four years) is common among credit cards with high annual fees, but is atypical for a card with a $95 annual fee. However, the Aeroplan credit card goes beyond a $100 Global Entry/TSA PreCheck credit by allowing cardholders to also use the credit for Nexus, an expedited screening program for car travel between Canada and the United States (and which allows members to use Global Entry kiosks and get TSA PreCheck—yes, that’s a three-for-one).

Travel insurance

Some credit cards offer free travel insurance to cardholders that comes into play when loading the trip onto the card. These advantages are more typical of high annual fee credit cards, but, surprisingly, the $95 annual fee Aeroplan card comes with plenty of travel insurance. These include:

  • Trip Cancellation/Interruption Insurance
  • Baggage Delay Insurance
  • Travel Delay Reimbursement
  • Collision Damage Waiver for Rental Vehicles

As with all insurance matters, there are many stipulations regarding what is covered, how much is covered, and when coverage applies.

Carbon offsets

Air Canada is committed to achieving net zero emissions for all of its global operations by 2050. With this in mind, carbon offsets will be purchased (and paid by Air Canada) when Aeroplan cardholders (and their companions on the same booking) will travel with Air Canada, Air Canada Express and Air Canada Rouge on an Aeroplan Flight Reward. This will help reduce the impact of greenhouse gas emissions associated with flying. There is no cap on the number of carbon offsets Air Canada will provide under this program.

Benefits on Air Canada

We’ve discussed why this card makes sense for those who don’t even fly with Air Canada, but for those who do, the card is an even smarter choice. On Air Canada flights, the primary cardholder can expect one free checked bag for themselves and up to eight travel companions on the same itinerary.

Cardholders also earn automatic Elite status, Aeroplan 25K Elite status, in the calendar year in which card membership is obtained, plus the entire following calendar year. This provides benefits such as priority check-in, early boarding and upgrades on Air Canada flights. After the initial term, cardholders can maintain Aeroplan 25K status with $15,000 spent on the account in a calendar year. Those who spend $50,000 in a calendar year can earn Elite Up status by one level up to 35K status or higher based on their current Elite status.

Take away food

With a welcome bonus of 70,000 points, an excellent points earning structure, incredible redemption opportunities, Global Entry credit and its travel insurance suite, the Aeroplan credit card is a smart choice for all travelers, even those who don’t plan to set foot in Canada or on an Air Canada plane.

Although the offers mentioned above are accurate at the time of publication, they are subject to change at any time and may have changed or may no longer be available.

Vic Mensa, Trae Tha Truth, Rod Wave Mon, 19 Sep 2022 22:16:00 +0000

Gas giveaways are fast becoming part of the celebrity landscape in 2022 as Americans battle gas prices and the wealthy — some with a service to sell — are happy to help offset the cost of one. full.

From Houston to Chicago to Tampa and every point in between, celebrity gas giveaways are new to the financial pandemic landscape. From the St. Petersburg Rod Wave to the Houston Rod Wave Trae tha truth At Chicago’s Vic Mensa, celebrities tried to ease the pain of rising (and falling and rising) gas prices by hosting giveaways related to local gas stations Shell, BP, Sunoco and others.

The most recent big giveaway was from the Houston-based rapper Lil Jairmy, which gave fuel to the first 100 cars to line up. Jairmy also provided activities for those waiting, including a live DJ, free food and activities for children. Over Labor Day weekend, Mensa donated $10,000 worth of gas to Chicago to celebrate its new cannabis company 93BOYZ, which is also one of the few black-owned weed brands in the world. country. They were able to fill some 200 cars.

From Mensa: “To celebrate the launch of 93BOYZ, Chicago’s first black cannabis brand, we went to the gas station in the neighborhood where I grew up and gave away $10,000 worth of free gas. At a time when many people are struggling to fill their tanks, it feels good to be able to help the community in a concrete way.”

Houston’s Trae Tha Truth filled up vehicles at a Third Ward Chevron, $50 per car max, as part of his Trae Day philanthropy weekend. In April, Rod Wave paid for $25,000 worth of gas in a Sunoco
in his native St. Petersburg.

As Trae said The Houston Chronicle“I always want to give back to the community. Times are tough right now and it’s only right that we do something that really matters to them.”

But rappers aren’t the only ones digging into the marketing (or philanthropy) scheme of gas giveaways. Everyone from political action committees to churches to credit unions and credit unions are taking advantage of high gas prices to advertise their organization for the services it offers. Philanthropists like Chicago’s Willie Wilson (often a mayoral hopeful), have donated more than $1 million in free gas with no strings attached.

On the one hand, essence gifts are a gesture of goodwill and can genuinely help people who need a boost for the week. But critics of the freebies say the traffic causes air pollution (cars idling for hours) and harms vulnerable populations by slowing public transit services. These reviews say people are better served with a gas card than by queuing to fill up. In Chicago, for example, Wilson’s massive and frequent giveaways caused traffic stoppages for miles, leading residents to map the locations and dates of future giveaways to avoid neighborhoods where such giveaways occur. were producing.

As Chicago historian Sherman “Dilla” Thomas wrote for The tribe“With so many cars struggling to find a spot in line to receive free gas at participating stations, the city has had to deploy Chicago Police Department (CPD) officers to control traffic. I don’t think I’m out by saying that CPD has a strained relationship with the very residents who were queuing for free gas. This kind of unrest could lead to negative interactions with the police, and none of us want that. Without forgetting that taking squad cars off their beats to keep the peace for free gas giveaways is not a good use of taxpayer dollars.

That said, rapper-sponsored giveaways in the recent past didn’t seem to have the same intensity or environmental impact as Wilson’s giveaways. Anecdotally, based on the appearance – widely documented on Facebook and Twitter – of Mensa’s giveaway, smaller essence gifts (in the $10,000 range) lead to better community outcomes, in partly because the wait times just aren’t that long.

Gasoline gifts market 101 in times of financial hardship, and with prices still high, it’s safe to say that as winter approaches and hurricane season deepens, such gifts won’t go away. not disappear anytime soon. In fact, they could increase. And I predict the townspeople will always line up for them.

Are you a victim of financial abuse or neglect? Sun, 18 Sep 2022 21:09:34 +0000

Financial or economic abuse is a type of domestic violence that can occur between partners or exes, parents and children, and in other financially dependent relationships. Financial abuse can also occur in workplaces and in business partnerships.

During clinical training, therapists learn about physical, emotional, and sexual abuse, but what about financial abuse and neglect? Most people think that domestic violence involves different forms of psychological and emotional abuse. However, financial abuse between intimate partners is an invisible form of domestic violence. Further, financial negligence fails to meet legal and ethical requirements for financial relationships.

What financial abuse looks like in an intimate partnership

Financial abuse is a form of bullying aimed at manipulating or controlling the other person, often to improve one’s own financial situation. I first noticed the phenomena of financial abuse in my therapy practice when Laura, a young mother, came to me for therapy and reported extreme financial inequality in her marriage to an older man. When Laura got married, she brought no debt and some savings. However, he used his money to buy a luxury car, which he drove to work, and she was not allowed to drive. Instead, she took the train to her full-time job.

Source: Prostock-studio/AdobeStock

Evenings and weekends, Laura took her grandchildren by bus to the grocery store and ran errands. She took care of all the housework and cooking while depositing her salary directly into her personal account. He gave her $30 a week for “pocket money”, which was supposed to cover everything she needed, including work clothes, makeup, food and transportation.

Meanwhile, he generously spent money on himself. Laura was not authorized to open or view credit card statements that came in the mail, even though her name was on them. Clearly, she was financially abused during this abusive marriage.

Typical warning signs include:

  • Fear or anger about money issues in your relationship.
  • Frequent arguments or conflicts over money.
  • Feelings of inequity or an imbalance of power and control in your relationship.
  • Financial guilt, financial shame and financial anxiety.
  • Not feeling financially secure.
  • Dealing with sudden financial loss or the chronic stress of having insufficient financial resources due to the past caused by financially triggered PTSD.

As we addressed the financial abuse in Laura’s marriage in our therapy sessions, over the course of a few years Laura bravely transformed herself, her career, her finances, and even her marriage.

8 Hidden Types of Financial Abuse and Neglect

Financial abuse and neglect can be disguised as relationships by:

  • Financial lies, secrecy or deception. Trust in the relationship can be eroded if there is a lack of financial transparency. For example, someone exhibiting shady financial behavior, such as having unexplained wads of cash in their wallet.
  • Financial infidelity. It’s when lies and secrecy rise to a level of betrayal – like having secret debt or assets, or even a secret second partner and family (which I’ve seen many times in my practice) – that what so-called “financial infidelity” results.
  • Financial gaslighting. It’s when someone makes you feel crazy or guilty for having normal emotional reactions or reasonable demands or limits. For example, young adult children point out that you’re a bad parent for trying to set healthy financial boundaries with them, or a partner says it’s your spending too much on groceries — rather than their expensive weekend getaway with friends — is why you don’t have money in your joint account for rent.
  • Addiction to drugs, alcohol, sex and gambling. Addiction can wreak financial havoc on addicts and their families. One of my clients’ families went from extremely wealthy to poor and on public assistance over the span of two decades due to an untreated addiction.
  • Intimidation or financial pressure. This behavior can lead to power, control and manipulation issues in the relationship. For example, one partner may push the other to buy a house that is well beyond a comfortable price range for them. To manipulate the decision-making process, they may use aggressive tactics or emotional withholding behaviors.
  • Financial shame and denigration. It is financially shameful to put someone down for earning less or nothing at all because they are a stay-at-home parent, disabled or chronically ill. Also, it is not acceptable to criticize your partner by talking badly about their spending habits or their debts in front of others.
  • Financial obstruction. When this happens, people shut up and refuse to talk about financial realities. This does not include any communication, collaboration, negotiation or dispute resolution. It is forbidden to meet with a neutral mediator such as a financial adviser, a financial planner, a debt consolidation agency, a financial therapist or a coach.
  • Financial restraint of resources. Withholding resources such as access to bank accounts, credit cards, financial statements, transportation, property, healthcare, or even food is a way to isolate a victim in an abusive relationship and is abusive and negligent.

When Financial Abuse or Negligence Becomes Illegal or Criminal

Financial abuse has repercussions. Often this can result in the non-payment of legally required financial obligations such as rent, alimony, maintenance or child support. If desperate, it becomes a downward spiral. They can take out loans or credit cards in another person’s name, leading to identity theft. They can steal using someone’s bank accounts, credit cards, property or money without permission.

Financial abuse of older people is on the rise. Elder fraud refers to illegal schemes that target seniors. According to the National Council on Aging, older Americans who are victims of financial abuse lose an estimated $36.5 billion a year. If you feel at risk or know someone who has been targeted, report the suspicious activity to Adult Protective Services in your area.

Get help for financial abuse and neglect

For immediate help, contact the consumer credit counseling service, or a personal banker, credit union representative, or financial adviser who can offer you consultation and professional help. Consider a free, anonymous twelve-step program or find a financial therapist. trauma, thereby improving your mental and financial health.

Help is available and effective and you are worth it.

Lanesboro Ballyleague CU in Longford historically merged with North Midlands Credit Union Sun, 18 Sep 2022 08:05:24 +0000

The boards of Lanesboro Ballyleague Credit Union and North Midlands Credit Union have agreed to merge the operations of their two credit unions through a transfer of undertakings and have passed board resolutions to that effect.

This transfer of commitments will come into effect in early October 2022, when Lanesboro Ballyleague CU becomes a branch of North Midlands CU.

Lanesboro Ballyleague CU, founded in 1967, has faced various challenges in recent years and these challenges, along with members’ legitimate expectations for an expanded range of services, have led Lanesboro Ballyleague Credit Union to seek a partnership with North Midlands Credit Union .

The current membership of the North Midlands Credit Union stands at 57,000, with total assets of 435 million. Lanesboro Ballyleague Credit Union has 3,500 members and total assets of 15 million.
This partnership with the North Midlands Credit Union means that Lanesboro Ballyleague Credit Union can leverage the strengths of a larger partner to provide an enhanced experience for members in the Lanesboro area, while maintaining a local service at the Lanesboro office.

The benefits of transferring commitments include:
l Freedom for members to use six North Midlands Credit Union branches: the main branch in Mullingar and branches in Rochfortbridge, Kinnegad, Castlepollard, Longford and Lanesboro.
l Low interest rates and a wide range of loan products.

l Improved range of services, including current account with Mastercard debit card, online services, mobile banking application, comprehensive online loan services.

Members of both credit unions will receive formal notice of the transfer of commitments in the coming days, and this notice details all aspects of the transfer of commitments.

Speaking on behalf of North Midlands Credit Union, Tom Allen, Director, said: “The Board of North Midlands Credit Union have been delighted to accept the request of the Board of Lanesboro Ballyleague Credit Union to consider a transfer of commitments for their members. to join us at the North Midlands Credit Union.

“The credit union movement is based on cooperation between credit unions and there will be many mutual benefits for all of our members in the transfer.”

Mr. Allen continued: “The credit union movement at the national level continues to undergo change and consolidation to ensure that credit unions have the capacity and capability to meet member demands for new products. and provision of modern financial services. The combination of North Midlands Credit Union and Lanesboro Ballyleague Credit Union is also driven by a similar concept of future service to members.

“In these changing times, credit unions offer a very different service from other financial institutions. Credit unions were created for one purpose: to serve their members, never to profit from them.

“We are convinced that this transfer of commitments will improve the services currently enjoyed by members. We look forward to continuing the work done at Lanesboro Ballyleague Credit Union and serving our new members in the years to come.


How to bet on Saul ‘Canelo’ Alvarez vs Gennadiy Golovkin 3 in Canada Sat, 17 Sep 2022 18:17:11 +0000

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An era-defining trilogy fight takes center stage this weekend with Saul ‘Canelo’ Alvarez and Gennady ‘GGG’ Golovkin meeting for the third time and we’ve got a complete guide on how to bet on the big fight. . Read on to find the best boxing betting sites in Canada, as well as great free bet offers.

How to bet on Saul ‘Canelo’ Alvarez vs Gennadiy Golovkin 3 in Canada: Best betting sites in Canada

Mexican Alvarez, 32, puts his undisputed super middleweight crown on the line against the Kazakh, 40, in Las Vegas. Their first meeting in 2017 was a controversial draw, with Alvarez winning the rematch a year later.

For a step-by-step guide on how to bet Canada’s Great 168 Pound Showdown with Our Friends Stakesee instructions below.

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Top Canadian Sports Betting Sites for Saul ‘Canelo’ Alvarez vs Gennadiy Golovkin 3


Strong points


Saul ‘Canelo’ Alvarez vs. Gennadiy ‘GGG’ Golovkin – Fight Info

  • 🥊 Boxing match: Saul Alvarez vs. Gennadiy Golovkin
  • 📊 Recordings: Saul ‘Canelo’ Alvarez (57-2-2, 39 KOs) | Gennadiy Golovkin (42-1-1, 37 KOs)
  • 📅 Date: September 17, 2022
  • 🕛 Main event Time: About. 10:30 p.m. EST
  • 🏆 Title: WBC, WBA-Super, WBO and IBF world super middleweight titles
  • 📺 TV channel: DAZN PPV
  • 🏟 Venue: T-Mobile Arena | Las Vegas, United States
  • 🎲 Fight odds: Canelo-600 | Golovkin +400

Canelo vs GGG 3 betting odds

Haven’t claimed the Canelo vs GGG 3 bet offer yet? Don’t worry, take a look at the best betting sites and claim the best bookmaker free bets. Don’t forget to also check the best offshore betting sites.

Here is a list of StakePrizes for the upcoming fight this weekend:

Odds are correct at time of publication and are subject to change

When is Saul Alvarez vs. Gennadiy Golovkin 3?

Date: Saturday September 17

Expected Ring Walks: 10:30 a.m. EST, T-Mobile Arena, Las Vegas, USA

Canelo vs GGG 3 TV Channel and Live Stream

TV channel: If you have DAZN on your TV, you can watch this undisputed super middleweight clash live from the T-Mobile Arena on DAZN PPVprovided you are subscribed to the channel and paid for pay-per-view.

Direct: DAZN subscribers can also catch the action online and via the DAZN app, provided you have downloaded the app to your device, subscribed to the channel and paid for pay-per-view.

Best Saul ‘Canelo’ Alvarez vs Gennadiy Golovkin Betting Sites In Canada

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2. Everygame – Up to $750 sign up bonus

If you are not registered with Every gameyou will be able to access the best mobile offshore betting site, while claiming a $750 sign-up bonus using the code INSIDER. They are the oldest on our list and have a history of providing users with thousands of fantastic odds, perfect for the start of the NFL season. The offer is simple to claim for Kentucky residents, with three $250 bonuses available on your first three deposits that will give you the maximum free bet of $750.

Everygame bonus terms and conditions

  • 100% deposit bonus up to $250
  • You can deposit up to THREE times for a maximum of $750 bonus
  • The bonus code must be redeemed immediately after deposit and before a bet has been placed.

3. Bodog – 100% deposit up to $600

bodog have a great offer for those in Canada looking to bet Saul ‘Canelo’ Alvarez vs. Gennadiy Golovkin this weekend, and it couldn’t be easier to sign up with them via the button below.

  • HD quality live streaming services
  • Huge bitcoin bonuses
  • Wide range of esports

4. BetOnline – $1000 Sportsbook Bonus

BetOnline has an extensive sportsbook for new customers to use, and there are a host of sports to get your teeth into if Saul ‘Canelo’ Alvarez vs Gennadiy Golovkin proves too difficult to predict.

BetOnline however, have a fantastic chance to prepare for this highly anticipated rematch, and there’s no better time than now to take advantage of their promotion. In addition to being able to bet on the absolute winner of the fight, users can try their hand at predicting in which round the fight will end as well as the method of victory.

BetOnline Promo Code Terms and Conditions

  • Minimum deposit of $55
  • 10x rolling requirement
  • Max $1000 sports betting bonus
  • Canada Sportsbook free bets expire in 30 days

Click the button below to get $1,000 in bonus cash to use on Saul ‘Canelo’ Alvarez vs. Gennadiy Golovkin

5. BetUS – Up to $2,500 deposit

BetUS is also one of the best places to check if you’re planning on claiming your NFL claim this weekend. Ready for this weekend’s action, BetUS is offering fantastic prizes across hundreds of markets. Additionally, users can try out a variety of different sports on their platform and explore their online casino.

BetUS Promo Code Terms and Conditions

  • Minimum deposit of $100
  • 10x rolling requirement
  • Max sports betting bonus of $2500
  • Kentucky Sportsbook Bonus awarded in free bets

To claim up to $2,500 in free bets for the NFL, click the button below.

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Grab your vivo Y35 #QuickAsAFlash via home credit and credit cards – Manila Bulletin Sat, 17 Sep 2022 03:02:35 +0000

With the launch of the newest addition to vivo’s Y-series lineup, the vivo Y35, more and more consumers are eager to experience vivo’s all-new entry-level powerhouse. Well, fret not, because vivo is making having a vivo Y35 more accessible and affordable with home equity and credit card options.

vivo and Home Credit are giving customers a treat as the vivo Y35 can now be purchased through installment plans with options from 6 months to 18 months. Here are the details of the offers that consumers can take advantage of:

● 10% down payment exclusively for existing customers with good credit for as low as PHP 833 per month (Home Credit to be checked on their pre-qualified list)

● 35% down payment for 6 month installment plan

● 30% down payment for 9, 12, 15 and 18 month installment plans

Those who prefer to buy by credit card can also take advantage of 0% interest installment plans for 6 months or up to 12 months with their respective banks and card providers.

Optimal charging power with enormous storage and imaging prowess

The vivo Y35 is powered by vivo’s advanced 44W FastCharge technology to ensure users can recharge their phone’s battery in a snap. This blazing feature is also complemented by a massive 5000mAh battery for a phone that can surely last all day.

To take vivo Y35 to the next level, vivo has also equipped it with larger internal storage. Its expandable 8GB+8GB RAM and 256GB ROM are the first in the Y Series lineup. This feature enables smoother phone operation by supporting more active apps in the background to ensure users have a fast experience while switching between multiple apps. vivo Y35 can also support expansion up to 1TB. Now users have the freedom to save and download up to 200,000+ photos, 500+ hours of HD videos and 6+, 5 million documents without worrying about running out of storage.

Of course, vivo will not leave out the excellent camera features. With the vivo Y35, vivo guarantees that this new smartphone is built with a triple AI rear camera with 50MP main camera to obtain images comparable to professional cameras. It also has a specially designed 16 MP front camera to get clearer selfies and videos in any lighting condition.

The feature-rich vivo Y35 is available for an affordable price of P14,999 so be #QuickAsAFlash and get yours now through Home Credit and credit card plans. The vivo Y35 is also available on vivo’s official website, online stores on Lazada, Shopee, TikTok, and all physical vivo stores and kiosks nationwide.

To know more about the vivo Y35, visit vivo’s official website or follow them on their official social media pages on Facebook, Instagram, Twitterand YouTube.



Power the data analysis engine Fri, 16 Sep 2022 21:10:39 +0000

The entire banking industry is in a state of tectonic flux, the kind of industry reset that probably hasn’t been seen since the Great Depression. These challenges – including rising interest rates, falling or stagnant net income, and increasing regulatory compliance requirements – combine to create unprecedented challenges for senior management and boards.

Because banking institutions are largely unable to control interest rate-related revenue issues, they must focus on issues they can control: labor costs, facility management, IT and marketing, to name only the most important. This requires a commitment to optimizing processes, which in turn requires collecting and analyzing relevant information.

The main source of this information gathering is, of course, documents. Documents form the very basis of financial transactions and money flows, which is why banking regulators place such emphasis on their order.

The problem is that the task of gathering documents, extracting valuable information and implementing them is an intensive manual effort requiring the attention of a dwindling resource: bank employees. And for organizations with the right resources, generating insights means searching for information buried deep in a sea of ​​unstructured documents scattered throughout the enterprise.

So how do you turn on the tap of a sustained, deep flow of information for data-driven insights? There are two parts to the answer: planning and technology.

Start by setting goals: What is the bank trying to accomplish and what does it need to know to be successful? Does it seek to gain a 360 degree view of the customer and improve cross-selling and up-selling ability? Perhaps the bank wants to facilitate partnerships and integrations to enable faster expansion of service offerings. Or maybe he just wants to make the next audit less stressful. Once the bank knows what it wants to achieve, it can determine the types of information it needs to collect and establish processes and systems to make that information actionable.

Next, put the automation to work: Banks and credit unions will become more data-driven not by collecting more data, but by leveraging the data trapped in the mountains of documents they already have. At the heart of any successful data-driven organization is an intelligent automation service layer. This automation layer performs a consistent and reliable set of actions for all documents: acceptance, classification, extraction of specific data sought, and document and data flow downstream to any process or system that needs it.

For most FIs, simply going this far would bring a source of benefits in terms of more efficient customer service, enabling more direct processing, relieving employees of most mundane tasks, and improving compliance.

However, to go that far would be a missed opportunity. Now that the information is integrated into the institution’s analytical systems, it is available for analysis and can be used to track a variety of metrics such as cost per origination, average time to close loan transactions, loan transaction rates, error configuring new accounts, etc.

Keep in mind that transitioning to a data-driven approach involves more than a one-time investment in technology. The entire organization must adopt a data-driven mindset and commit to collecting what is needed, performing the analysis, and maintaining the discipline to modify models as goals change .

Coming back to compliance, the final revisions to Section 1071 of the Dodd-Frank Act are receiving increasing attention. Most community banks and credit unions are concerned that new requirements that involve document collection and retention will drive up underwriting costs and force even smaller institutions out of the market.

Implementing the intelligent automation services described above can put an institution in a much better position to not only implement policies and procedures that improve compliance, but also provide a much better reporting platform. stronger to prove compliance.

The road ahead presents unprecedented challenges in our industry, and old rules are quickly becoming obsolete. Banks that become data-driven institutions may be able to innovate while doing more with less. This can be accomplished by automating day-to-day document processes and leveraging more information.

Joe Labbe is vice president and general manager of lake of knowledge. Bob Browne is President and Chief Executive Officer of Cedar Creek Consulting Inc..

Learn how financial services organizations can use data to build strong relationships and improve other business opportunities in the BAI Executive Report, “The Power of Data: How Banks and Credit Unions Can Harness It.”

Things you didn’t know you could do with a personal loan Fri, 16 Sep 2022 20:47:01 +0000

Personal loans are installment loans with fixed monthly payments. Although they generally require you to have a good credit score to qualify, they can be a great choice for consumers who need some flexibility in how they spend their money.

Personal loans also tend to have lower annual percentage rates, or APRs, than traditional credit cards. According to the latest Federal Reserve data, in May 2022 the average interest rate for a 24-month personal loan was 8.73% while the average APR for interest-bearing credit cards (for cardholders who carried a balance) was 16.65%.

If you’re considering taking out a personal loan to cover medical bills, home repairs, or other expenses, Select provides a more detailed look below at what you can and cannot use to pay for a personal loan.

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A few caveats about personal loans

The major advantage of a personal loan is that it is a lump sum of money that you can use to pay for most types of expenses. Many personal loan companies will provide you with the funds within a few business days, while some of them offer loans of up to $100,000.

There are, however, certain things that you are not allowed to pay with a personal loan. Check with your personal lender to see if there is anything specific they say you cannot use the funds for, as the lender may require you to repay the entire loan immediately with interest if you choose to. use it to cover prohibited expenses. .

Notably, most personal loans generally cannot be used to pay tuition, make a down payment on a home, or cover business-related costs. For this type of expense, it is better to opt for other types of credit or pay cash instead.

What can personal loans be used for

Beginner personal loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, credit card refinancing, marriage, moving or medical

  • Loan amounts

  • Terms

  • Credit needed

    FICO or Vantage score of 600 (but will accept applicants whose credit history is so poor that they have no credit score)

  • Assembly costs

    0% to 8% of target amount

  • Prepayment penalty

  • Late charge

    Greater of 5% of monthly amount past due or $15

LightStream Personal Loans

  • Annual Percentage Rate (APR)

    3.99% to 19.99%* when you sign up for autopay

  • Purpose of the loan

    Debt consolidation, renovation, car financing, medical expenses, marriage and more

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Fees to know

PenFed Personal Loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, home improvement, medical bills, car financing and more

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Discover personal loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, home improvement, wedding or vacation

  • Loan amounts

  • Terms

    36, 48, 60, 72 and 84 months

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

At the end of the line

Editorial note: Any opinions, analyses, criticisms or recommendations expressed in this article are those of Select’s editorial staff only and have not been reviewed, endorsed or otherwise endorsed by any third party.