Web directories – Livelink Directory http://livelinkdirectory.com/ Wed, 23 Nov 2022 13:11:32 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://livelinkdirectory.com/wp-content/uploads/2021/10/icon-5-120x120.png Web directories – Livelink Directory http://livelinkdirectory.com/ 32 32 BoB cuts home loan interest rates by 25 basis points to 8.25% for a limited period https://livelinkdirectory.com/bob-cuts-home-loan-interest-rates-by-25-basis-points-to-8-25-for-a-limited-period/ Wed, 23 Nov 2022 13:11:32 +0000 https://livelinkdirectory.com/bob-cuts-home-loan-interest-rates-by-25-basis-points-to-8-25-for-a-limited-period/ One of the major public sector lenders, the Bank of Baroda (BoB), today announced a reduction in interest rates on home loans by 25 basis points for a limited period. The home loan interest rates offered by the bank now start from 8.25% per annum starting November 14, 2022 for a limited time, making it […]]]>

One of the major public sector lenders, the Bank of Baroda (BoB), today announced a reduction in interest rates on home loans by 25 basis points for a limited period. The home loan interest rates offered by the bank now start from 8.25% per annum starting November 14, 2022 for a limited time, making it one of the lowest home loan interest rates. lowest available on the market. The price reduction is valid until December 31, 2022. The bank has also waived the processing fee in addition to the 25 basis point interest rate reduction. Borrowers can apply for balance transfers and new home loans at the new rate, which starts at 8.25% per annum and is tied to the borrower’s credit profile.

HT Solanki, Managing Director – Mortgages and Other Retail Assets, Bank of Baroda, said: “In a scenario where interest rates are on an upward trajectory, we are happy to lower our interest rates on home loans and to introduce a special interest rate on time-limited home loans 8.25% rate offer, making home purchases much more affordable for buyers We have seen strong loan growth real estate this year, with strong demand in all cities and consumer confidence driving home sales Such an attractive offer on home loans will give an extra boost as people take advantage of this offer to realize their aspiration to own their own home.”

Interest rates for Bank of Baroda home loans start at 8.25% per annum for a limited time, there are no processing fees, home loan support with a minimum of paperwork, a customizable term of up to 360 months, no partial or prepayment fees, door-to-door service, are some of the key features that BoB promises its clients.

The effective interest rate on Baroda home loans to non-staff members ranges from 8.25% to 9.85% for those who are salaried and from 8.30% to 9.95% for those who are not. not. While the current interest rate for the Baroda home loan to staff members is 8.50%. The BoB grants terms of up to 30 years and, depending on your professional status (employee or self-employed with a regular income), you can apply for a home loan from the Bank of Baroda when you are at least 21 years old. The CIBIL score determines the interest rate for a home loan. Nevertheless, a CIBIL score of 701 or higher is generally considered adequate.

(With PTI entries)

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Fans rave about the midfielder on loan at Arsenal https://livelinkdirectory.com/fans-rave-about-the-midfielder-on-loan-at-arsenal/ Sun, 20 Nov 2022 21:01:51 +0000 https://livelinkdirectory.com/fans-rave-about-the-midfielder-on-loan-at-arsenal/ Tim Akinola plays for Chesterfield FC (Photo via Chesterfield FC on Twitter) of Arsenal Tim Akinola has a somewhat odd loan spell with Chesterfield FC as he seems to be making himself a fan favorite despite having relatively limited minutes on the pitch. Since his loan, Akinola has made eight appearances for Chesterfield, but all […]]]>
Tim Akinola plays for Chesterfield FC (Photo via Chesterfield FC on Twitter)

of Arsenal Tim Akinola has a somewhat odd loan spell with Chesterfield FC as he seems to be making himself a fan favorite despite having relatively limited minutes on the pitch.

Since his loan, Akinola has made eight appearances for Chesterfield, but all but one of those appearances have been from the bench.

Saturday was no exception, as Akinola came on in the 66th minute to try and help Chesterfield over the line against Solihull Moors. But the midfielder did more than that, helping his team double the score to 2-0.

Playing a one-two around the halfway line, Akinola sprinted with the ball and pushed the ball down the line to let the defense back down.

Solihull defenders tried to bring Akinola into the corner but he pulled away from the pressure before passing the ball to Armando Dobra, whose shot bounced off Bailey Clements to score.

Chesterfield’s Twitter account admitted Akinola deserved plenty of praise for the goal.

Tim Akinola plays for Chesterfield FC (Photo via Chesterfield FC on Twitter)
Tim Akinola plays for Chesterfield FC (Photo via Chesterfield FC on Twitter)

Chesterfield fans were more than happy to give the Arsenal youngster that credit, flooding responses to Arsenal loan accounts with praise.

He may not have been Arsenal’s busiest loanee so far but it looks like Akinola has already won the hearts of the fans which will hopefully lead to some new opportunities eventually.

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Old directories and maps guide museum visitors through the geographic history of Strawberry Point | Oelwein daily register https://livelinkdirectory.com/old-directories-and-maps-guide-museum-visitors-through-the-geographic-history-of-strawberry-point-oelwein-daily-register/ Fri, 18 Nov 2022 16:46:00 +0000 https://livelinkdirectory.com/old-directories-and-maps-guide-museum-visitors-through-the-geographic-history-of-strawberry-point-oelwein-daily-register/ The following description was published in the 1905 Clayton County Directory & Gazetteer which contained the names of householders, businesses, and professional firms that receive mail through Clayton County and adjacent county post offices. “Strawberry Point is one of the best towns in Iowa. It is a moving spot on the Cedar Rapids and Calmar […]]]>

The following description was published in the 1905 Clayton County Directory & Gazetteer which contained the names of householders, businesses, and professional firms that receive mail through Clayton County and adjacent county post offices.

“Strawberry Point is one of the best towns in Iowa. It is a moving spot on the Cedar Rapids and Calmar branch of the CM & St. PRR in Cass Township, sixteen miles southwest of Elkader, the county seat, and seventy-three miles north of Cedar Rapids. 1,000 inhabitants. It contains Methodist, Episcopal, Baptist, Congregational, Lutheran, Catholic and Universalist churches, a primary school, a public hall with a seating capacity of 900, a bank, an opera house, a weekly newspaper – The Mail-Press, and other establishments.

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List your business on the best free business directories in the USA – https://livelinkdirectory.com/list-your-business-on-the-best-free-business-directories-in-the-usa/ Thu, 17 Nov 2022 13:44:41 +0000 https://livelinkdirectory.com/list-your-business-on-the-best-free-business-directories-in-the-usa/ ‍It’s great to have your business listed in the best free business directories. In addition to increasing the visibility of your business, you will also get many benefits. People will know your business and can even find it easily. If you have a small business or a startup. List your business on the best business […]]]>

‍It’s great to have your business listed in the best free business directories. In addition to increasing the visibility of your business, you will also get many benefits. People will know your business and can even find it easily.

If you have a small business or a startup. List your business on the best business directories is the best way to reach new potential customers.

However, if you are new to this process and don’t know where to start. There are a few things you need to keep in mind before listing your business in a business directory.

This article will help you discover the best directories to list your business in the USA. After reading this, you will not only know which business directory is best for you. Why these companies are better than others when it comes to finding customers for your small or medium business.

What is a business directory?

A business directory is a website that lists contact information for various businesses based on their category. It can be categorized as a classifieds website, where businesses can advertise their products and services for free.

Some business directories also function as online directories. Business directories are a great way to advertise your business. Some of the cases Directories also provide other services such as business reviews, contact management, etc.

These services make it easier for companies to find each other and therefore increase their sales.
SEO tips for finding the best business directory for your business

Besides the fact that you want to find the best business directory to list your business.

You should also consider the following before listing your business in a particular business directory.

– Make sure the business directory you are considering has a category for your business

One of the first things you should check before listing your business on a business directory is to make sure the business directory you are considering has a category for your business.

If they don’t have such a category, it will be difficult for your business to get listed in business directories.

– Make sure you submit the correct details before listing your business on a business directory

– You may have noticed that most business directories have strict guidelines and requirements for listing your business. If not, you can simply choose another business directory to list your business.

What you need to do before listing your business in a business directory is to make sure you provide the correct information about your business. This will make it easier for the business directory to find your business in the list of listed businesses.

– Make sure you update business details in a business directory – Most business directories expect you to list your current business details. If you list details from last year, you can just expect to be removed from the directory.

The business directory won’t be happy with you if you don’t make sure you update the details on time. – Be sure to respond to business listing requests in a business directory – Most business directories will have guidelines and requirements for listing your business in their directory. You need to make sure you follow them and make your business findable.

Citylocal101

Citylocal101 is another business directory that provides a listing of businesses in all major cities in the United States. There are different categories, in which you can list your business, for example, if you have sites related to IT services, Arts, Culture, Transport.

Home improvement including roofing, locksmith, Air conditioner, Damage Restoration, etc. It also has reviews, contact information, and a map of each company. To list your business on citylocal101, you will need to follow a few simple steps.

Create a business profile – The first thing you need to do is create a business profile in the business directory. You will need to provide your business information such as name, address, and phone number.

– Submit the form – After creating your business profile, you will need to submit the form to be listed in the business directory.

– Promote your business – Once your business is listed in the business directory, you will need to promote your business to attract more visitors and customers for your business.

Google Search Overview

If you plan to use Google to get the best results from its search engine, you should go through the Google search overview. Google Search Preview shows you search engine results generated by Google’s automatic detection algorithm for specific terms. If your business is listed in one of the major business directories, you can expect Google to show results based on that information as well.

HotFrog

The Hotfrog Business Directory is another popular business directory in the United States. It features an easy to use interface and offers an excellent variety of search options. It allows companies to publish, manage and maintain their listing for free.

If your business is listed in the Hotfrog Business Directory, you can expect to receive a lot of traffic from Hotfrog’s search engine as well as its sponsored results. it’s a great tool for business owners to get missing business listings and track their online business growth. You can also create powerful lead generation campaigns with Hotfrog.

MerchantCircle

MerchantCircle is another well-known business directory in the United States that lists businesses in various categories. If you would like your business to be listed in this business directory, you must first create a business directory account.

You can do this by visiting merchantcircle.com and clicking the “Register” button in the header. You can start creating business listings for your businesses after creating an account. By selecting the “Create List” button and following the instructions, you can create a list.

You can choose the category that best suits your business when creating your listing. You can choose the category that best suits your business when creating your listing.

Conclusion:

When you start a small business or a new business, you will need to spend a lot of time and energy promoting it in the market. You will need to advertise it in newspapers and magazines, write articles, post on social media sites, etc. From now on, the more you will promote for your business, the more you will spend on advertising, the more time you will waste. , the more stressed you will be, the more you will need to rely on others for your success. If you want to grow your business, you will need to invest in online marketing early on.

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Weird Credit Scores to Know Before Applying for a Loan https://livelinkdirectory.com/weird-credit-scores-to-know-before-applying-for-a-loan/ Wed, 16 Nov 2022 20:54:33 +0000 https://livelinkdirectory.com/weird-credit-scores-to-know-before-applying-for-a-loan/ Dear Liz: I’ve been reading your Money Talk column for years and it seems like about a third of the questions are about credit scores. Why are people obsessed with their FICO score? I didn’t know my score until recently when my bank accounts started showing my score when I’m online. I’m 65 and have […]]]>

Dear Liz: I’ve been reading your Money Talk column for years and it seems like about a third of the questions are about credit scores. Why are people obsessed with their FICO score?

I didn’t know my score until recently when my bank accounts started showing my score when I’m online. I’m 65 and have had credit cards since college over 45 years ago. I pay my bill in full each month. I have never been late with a mortgage payment or any other bill. When I went to buy real estate or an automobile, I was never turned down.

In other words, I used credit successfully for decades by behaving responsibly without knowing my score. Are people interested in their FICO mostly used as a status symbol or a way to show off?

Answer: Some are, but most understand that credit scores have a huge influence on our financial lives. The scores help determine whether we can get credit and the interest rates we pay, but also whether we are able to rent an apartment, get affordable home and auto insurance (in most states), and to benefit from the best offers from a mobile operator.

Credit scores reward responsible behavior, but have some quirks that are worth knowing about. Using more than a small percentage of your credit cards’ available limit, for example, can hurt your scores, even if you pay off your balances in full. And closing credit accounts might seem like the responsible way to deal with a card you no longer use, but it can also hurt your scores.

Also, you should know that you don’t have just one credit rating; you have many, and they will differ depending on the credit bureau and credit score formula used.

FICO is the leading credit score formula, but there are many generations of the FICO score currently in use, from older versions that have long been used in mortgages, to the most commonly used version (FICO 8), to the most recent version (FICO 10). Auto lenders and credit card issuers use versions of FICO tailored to their industries.

FICO’s main rival is VantageScore, which also uses different generations.

On top of that, credit scores are constantly changing, based on ever-changing information in your credit reports.

Your bank makes it easy to monitor one of your scores, which can give you a general idea of ​​how lenders might view you as a borrower. Don’t be surprised if the score your bank gives you isn’t what a lender will use the next time you buy a car or refinance your mortgage.

Advisors ‘Assets under management’

Dear Liz: We have been using a paid financial advisor for 25 years. We would discuss what we needed, she would tell us how many hours it would take, and then she would bill us by the hour.

She recently joined a firm that charges 1% of investment portfolios to provide financial advice. Is it still considered paid financial planning? If so, how do you find a company that charges an hourly rate? We don’t want to spend thousands of dollars just having someone modify the detailed roadmap that has already been created.

Answer: Called “assets under management,” or AUM, the fee is in effect considered fee-only planning, as long as the advisor only accepts fees paid by clients and does not receive commissions or other compensation for investments they recommend. AUM fees are a common compensation method and 1% is a fairly standard fee. If the advisor does significant, ongoing investment planning and management for you, the fee may be worth it. If not, there are other compensation methods that might be more suitable. Garrett Planning Network represents paying advisors willing to bill by the hour, while XY planning network and the Comprehensive Planners Alliance offer paid advisors who charge retainer fees.

Liz Weston, Certified Financial Planner, is a personal finance columnist for Nerd Wallet. Questions can be sent to him at 3940 Laurel Canyon, No. 238, Studio City, CA 91604, or by using the “Contact” form at asklizweston.com.

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Global Loan Origination and Servicing Market Size Expected to Grow https://livelinkdirectory.com/global-loan-origination-and-servicing-market-size-expected-to-grow/ Mon, 14 Nov 2022 10:00:00 +0000 https://livelinkdirectory.com/global-loan-origination-and-servicing-market-size-expected-to-grow/ New York, U.S., Nov. 14, 2022 (GLOBE NEWSWIRE) — The Global Loan Origination and Loan Servicing Market Size was valued at USD 1,897.78 million in 2021 and is projected to reach USD 3,308.10 million by 2030, growing at a CAGR of 14.7% during the period 2021-2030. According to the latest research report from Spherical knowledge […]]]>

New York, U.S., Nov. 14, 2022 (GLOBE NEWSWIRE) — The Global Loan Origination and Loan Servicing Market Size was valued at USD 1,897.78 million in 2021 and is projected to reach USD 3,308.10 million by 2030, growing at a CAGR of 14.7% during the period 2021-2030. According to the latest research report from Spherical knowledge and tips. Many software tools meet the loan origination and credit reporting needs of traditional and non-traditional lenders in today’s commercial lending market. Financial institutions are increasingly aware of the need to improve their operations in various areas in order to increase efficiency, decision speed and production, as well as improve the customer experience.

Get a sample PDF brochure: https://www.sphericalinsights.com/request-sample/1061

Key country data and analysis for USA, Canada, Mexico, Germany, France, UK, Russia, Italy, China, Japan, Korea, India, Southeast Asia, Australia, Brazil and Saudi Arabia, etc. progress of major regional loan origination software markets such as North America, Europe, Asia-Pacific, South America, Middle East and Africa.

Financial organizations use loan origination systems to automate the loan transaction process. For loans initiated through multiple channels, such as a branch, call center, or online portal, the system provides credit reporting, offer management, and customer relationship management (CRM) functionality . Loan origination systems, commonly referred to as digital mortgage solutions, allow lenders to communicate with customers through many channels. Benefits such as automation of the request and creation process, configurable approvals allowing for no-contact/low-contact processing, reduced turnaround time (TAT), and others.

Browse key industry information spread across 215pages with 115 market data tables and The figures & graphics of the report”Global Loan Origination and Loan Servicing Market SizeShare and Trends, COVID-19 Impact Analysis Report, by Type (On-Demand and On-Premise), by Component (Software and Services), by Application (Mortgage Loans and Brokers, Banks, Credit Unions and Others) and By Region (North America, Europe, Asia-Pacific, Latin America, Middle East and Africa), Analysis and Forecast 2021 – 2030”, in detail with Table of Contents

Buy Now Full Report: https://www.sphericalinsights.com/checkout/1061

Banks and lending institutions are diversifying their financial offerings to include loan options and terms that can be tailored to the specific needs of each borrower. This is in response to the growing number of ways customers and businesses want to borrow money for specialty products, but these institutions are struggling with their current lending technologies. Legacy Loan Origination and Management System (LOS/LMS) software is designed to handle specific use cases and guide loan origination and administration through rigorous protocols that have been developed to support traditional lending practices.

When lenders work with unusual borrowers seeking personalized financing, or even stores using a direct-to-consumer approach that doesn’t cleanly tick all the necessary boxes in a typical LOS, this technology becomes a pain point. Integrating these LOS and LMS solutions with a business process management solution that can easily include business rules and alienation tools in these workflows is the best method to overcome these flaws. Here are some of the key benefits this integrated approach is expected to bring to lenders.

The loan origination and administration software is designed specifically to assist banks and financial institutions with their loan applications and processing needs. It uses workflow technology to track and control the many work phases involved in loan processing, as well as digital imaging technology to reduce delays and inefficiencies associated with processing paper documents. From underwriting to financial authorizations through operational processes, from pre-application to application, from systems verification to deviations, this program automates the entire loan origination process. Interest calculation, management of billing and payment statements and high integration with the system are some of the factors driving the growth of the market. It also includes mortgages.

Find out before you buy this research report: https://www.sphericalinsights.com/inquiry-before-buying/1061

Moreover, it is simple to use, has a short learning curve, and can quickly handle bills and amortization schedules, all of which are expected to drive market expansion. The global loan origination and loan management software market would benefit from an increase in demand for advanced digital lending solutions for retail banking, as well as an increase in the use of artificial intelligence, machine learning and blockchain.

Segment by type

Segment by application

  • Banks
  • credit unions
  • Mortgage lenders and brokers
  • Others

Market Segment by Region/Country comprising:-

  • North America (United States, Canada and Mexico)
  • Europe (Germany, UK, France, Italy, Russia and Spain etc.)
  • Asia-Pacific (China, Japan, Korea, India, Australia, Southeast Asia, etc.)
  • South America (Brazil, Argentina, Colombia, etc.)
  • Middle East and Africa (South Africa, United Arab Emirates, Saudi Arabia, etc.)

Key Loan Origination Software Market Players:-

  • Ellie Mae
  • Calix software
  • FICS
  • Fiserv
  • byte software
  • White Clarke Group
  • mortgage builder
  • Mortgage rate (Accenture)
  • Wipro
  • Tavant
  • Finastra
  • MeridianLink
  • Black Knight
  • ISGN Company
  • Pegasystems
  • Juris Technologies
  • Scorto
  • Axcess Consulting
  • Turnkey lender
  • CSV

Key companies and recent developments: The report also provides elaborate analysis focusing on current business news and developments, including product development, innovations, joint ventures, partnerships, mergers and acquisitions, strategic alliances, and others. This helps to assess the overall competition in the market. Companies covered: Nelito Systems Ltd, Fiserv Inc, Calyx Software, Bancorp Inc, Wipro, Gallagher Solutions LLC, Tavant Tech, HCL Technologies Limited, Perfios Software Solutions (InteGREAT), Experian Information Solutions Inc, Finflux, Persistent Systems, Nucleus Software Exports Ltd ., Skillful Technologies, Intellect Design Arena Ltd, 4Finezza and other 30+ prominent key players we added in the final report.

Ask for a reduced price: https://www.sphericalinsights.com/request-discount/1061

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Student Loan Debt Relief Ruled Illegal by Texas Court: What Happens Now? https://livelinkdirectory.com/student-loan-debt-relief-ruled-illegal-by-texas-court-what-happens-now/ Fri, 11 Nov 2022 17:45:02 +0000 https://livelinkdirectory.com/student-loan-debt-relief-ruled-illegal-by-texas-court-what-happens-now/ President Joe Biden’s plan for forgive up to $20,000 in student loan debt for eligible borrowers is now in serious legal danger after a The Texas judge canceled the program Thursday, declaring it “an unconstitutional exercise of the legislative powers of Congress.” The The Ministry of Education responded on Friday that she will appeal the […]]]>

President Joe Biden’s plan for forgive up to $20,000 in student loan debt for eligible borrowers is now in serious legal danger after a The Texas judge canceled the program Thursday, declaring it “an unconstitutional exercise of the legislative powers of Congress.”

The The Ministry of Education responded on Friday that she will appeal the decision. “The Biden-Harris student debt relief plan is legal and necessary to give borrowers and working families a break as they recover from the pandemic,” he said in a statement.

The application for student loan relief stopped accepting bids. Instead, it displays a simple posts“The courts have issued orders blocking our student debt relief program. Therefore, at this time, we are not accepting applications.” In its message on Friday, the Ministry of Education noted that “more than 26 million borrowers have provided the information needed to process their requests for relief and 16 million requests have been approved.”

Learn about the legal challenges to the one-time student debt relief plan and how they could impact forgiveness for eligible student borrowers. To learn more about student debt relief, check out how debt forgiveness can change your credit score and whether you will have to pay state taxes on discharged loans.

What are the legal arguments against the White House student loan debt relief plan?

Legal arguments against student debt forgiveness so far fall into five main categories: claims for harm to borrowers; allegations of harm to states and state agencies; claims for damages due to the devaluation of Cancellation of civil service loans; claims that the program violates the Administrative Procedure Act; and asserts that the program is unconstitutional. Many lawsuits include multiple claims for damages.

One of the biggest challenges for those who oppose student debt relief in court has been finding plaintiffs with upright who would be directly harmed by the student loan forgiveness program. This was first demonstrated by Garrison v. US Department of Education: Borrower Frank Garrison claimed he was wronged because his automatic student loan debt cancellation would result in a tax burden for the State of Indiana. Garrison’s legal status was badly damaged when the Department of Education announced that borrowers could opt out of debt forgiveness.

Thursday’s decision to declare the student debt relief program illegal was the first court order to directly address the merits of arguments against the plan. In his 26 page reviewJudge Mark Pittman wrote that the executive branch had used the powers of Congress unconstitutionally: “The HEROES Act – an act to provide loan assistance to military personnel defending our nation – does not provide the executive branch with clear authorization from Congress to create a $400 billion student loan forgiveness program, so the program is an unconstitutional exercise of congressional legislative power and must be rescinded.

What are the biggest legal challenges to the student debt relief plan?

After Thursday’s decision, Brown v. US Department of Education is now at the center of the legal battle over student debt forgiveness.

In the case, two Texas borrowers — an applicant with non-federal-held FFEL loans and an applicant who did not receive a Pell grant — say the debt relief plan should be canceled because ‘He failed to hold a “notice-and-comment period” as required by the Administrative Procedure Act. On November 10, Pittman granted their motion for summary judgment and declared the one-time debt relief program illegal.

Prior to Thursday’s court ruling, the largest lawsuit opposing one-time student debt relief was Nebraska vs. Bidenwhere six Republican-led states (Arkansas, Iowa, Kansas, Missouri, Nebraska and South Carolina) say the White House plan will hurt their tax revenues and state-based lending agencies.

Just one day after the case was fired for lack of quality by a judge in the Eastern District of Missouri, a federal circuit court suspended the program indefinitely pending its decision on the appeal. Although the plaintiffs and the Department of Education filed emergency briefs more than two weeks ago, the court took no action.

The other four lawsuits challenging student debt relief were less successful.

As mentioned above, Garrison v. US Department of Education – which asserted that the plaintiff would be harmed by state taxes on automatic debt relief – was rejected by the District Court for the Southern District of Indiana. The decision was appealed to the Seventh Circuit Court of Appeals, but the case seems unlikely to succeed. The libertarian law firm Pacific Legal Foundation filed an emergency petition with the Supreme Court for the case, but it was denied on November 4.

Likewise, in Brown County Taxpayers Association v Biden, a Wisconsin court has dismissed a lawsuit brought by taxpayers who claimed they should pay more taxes because of the student debt relief plan. The the court ruled that there is no such thing as “taxpayer status”.

The taxpayers’ group also claims that the debt cancellation plan is unconstitutional. He filed emergency motions with the Seventh Circuit Court of Appeals and the United States Supreme Court to stop the plan, but both requests were denied without explanation.

Another case brought by a State, Arizona vs. Biden, takes a slightly different approach than the Nebraska trial. Led by Arizona Attorney General Mark Brnovich, the lawsuit makes three allegations of injury. He says the state will lose tax revenue because student debt cancellation cannot be enforced until 2025; the program will increase inflation, which harms the state’s economy; and recruitment for government jobs will be penalized by the devaluation of the civil service loan cancellation program. Arizona has not sought a temporary injunction, and court hearings in the case have yet to begin.

A libertarian think tank also claims that it will be harmed by the one-time weakening of the student loan debt forgiveness program of the civil service loan forgiveness program, which will make it more difficult for it to recruit employees who would be eligible. The defendants in Cato Institute v. US Department of Education were served last week and hearings are expected to begin soon.

How does the White House legally defend the one-time student debt relief program?

The Ministry of Education argues that its one-time student debt relief plan is protected by the Higher Education Student Support Opportunities Act 2003, also known as the HEROES Act. This act authorizes the Secretary of Education to change any regulations relating to any student financial assistance program for Americans who “have suffered direct economic hardship as a direct result of war or other military operation or ‘a national emergency’.

President Joe Biden and Education Secretary Miguel Cardona stand at a podium

Biden announced his unique student debt relief plan with Education Secretary Miguel Cardona in August.

Washington Post/Getty Images

The White House says the COVID-19 public health emergency gives the Department of Education the legal basis for canceling student loan debt under the HEROES Act.

The United States has been in a public health emergency since the Secretary of Health and Human Services declared one due to COVID-19 on January 31, 2020. This declaration of emergency has been extended several times since, most recently October 13, 2022.

When will the student loan debt forgiveness lawsuits be resolved?

Legal experts were divided on the impact of the lawsuits over the $10,000 to $20,000 student debt repayment plan, but Thursday’s ruling throws a big wrench in their predictions.

The call from the Ministry of Education now goes to the United States Court of Appeals for the Fifth Circuitconsidered by some to be the the most conservative of all federal appeal courts. If the department’s appeal fails there, the last resort for the program will be the United States Supreme Court.

According to a Forbes reportan appeal to the Supreme Court could end up before Justice Samuel Alito, who wrote the majority opinion in the ruling. quash Roe v. Wade. Regardless of how appeals are decided, the appeals process will likely take several weeks, greatly reducing the chances of debt relief occurring before federal student loan payments and interest resume on January 1, 2023.

We’ll continue to update this story as lawsuits seeking to prevent one-time student debt relief work their way through the courts.

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Free Prenatal and Infant Care Directories – The Waynedale News https://livelinkdirectory.com/free-prenatal-and-infant-care-directories-the-waynedale-news/ Tue, 08 Nov 2022 17:18:37 +0000 https://livelinkdirectory.com/free-prenatal-and-infant-care-directories-the-waynedale-news/ The latest edition of the Prenatal & Infant Care Resource Directory is now freely available to the public and organizations that serve low-income and vulnerable residents. Free printed copies of the directory can be picked up by completing the request form at www.SJCHF.org/directories. A pdf copy of the directory is also available on this same […]]]>

The latest edition of the Prenatal & Infant Care Resource Directory is now freely available to the public and organizations that serve low-income and vulnerable residents.

Free printed copies of the directory can be picked up by completing the request form at www.SJCHF.org/directories. A pdf copy of the directory is also available on this same web page.

The St. Joseph Community Health Foundation updates and prints the directory every two years. It lists more than 100 free or low-cost prenatal and infant care services located in Allen County. Services such as health insurance registration, teen parenting, childcare, parenting classes, pregnancy testing, breastfeeding, vaccinations and more are listed in the directory. Each service listed includes information on days and hours of operation, payment methods accepted, whether photo ID is required, whether it is located on a bus route, and whether interpreters are available.

“Improving access to quality prenatal and infant resources is a priority for The St. Joe Foundation,” said Meg Distler, Executive Director of The St. Joe Foundation. “These directories are an important way to connect pregnant women and new mothers, especially those who are most vulnerable, to services and resources that can help them lead healthy lives and raise healthy children.”

The St. Joe Foundation began printing the Prenatal & Infant Care Resource Directory in 2005 and since then has provided more than 110,000 free copies to residents and local organizations. Each year, the Foundation distributes approximately 6,600 copies.

The Foundation has recently considered offering the information online only, but those who use the directory have overwhelmingly asked to continue the distribution of printed copies. The information in the directories is provided to Indiana 211 for use on its website and by 211 operators.

The St. Joe’s Foundation also prints and distributes the free Community Health Resource Directory, a guide to quality and affordable health and wellness services in Allen County. It is updated every two years alternating with the Prenatal & Infant Care Resource Directory. Both directories are available at www.SJCHF.org/directories.

The St. Joe’s Foundation is sponsored by the Poor Handmaids of Jesus Christ and works to serve vulnerable populations in four impact areas: prenatal and child care, nutrition and food insecurity, access to health care affordable and quality, and refugees and immigrants.

The Waynedale Press Team
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Loan rejection led this founder’s mother to pawn jewelry to survive — now her startup is helping others avoid that fate https://livelinkdirectory.com/loan-rejection-led-this-founders-mother-to-pawn-jewelry-to-survive-now-her-startup-is-helping-others-avoid-that-fate/ Mon, 07 Nov 2022 21:23:37 +0000 https://livelinkdirectory.com/loan-rejection-led-this-founders-mother-to-pawn-jewelry-to-survive-now-her-startup-is-helping-others-avoid-that-fate/ There is very little pride like that tied to the neighborhoods where people come from. Whether you’re from Los Angeles, California, New York or across the sea Lagos, Nigeria – many people have a unique sense of pride in the deep points of connection they have with the places they call ‘home’. Although each home […]]]>

There is very little pride like that tied to the neighborhoods where people come from. Whether you’re from Los Angeles, California, New York or across the sea Lagos, Nigeria – many people have a unique sense of pride in the deep points of connection they have with the places they call ‘home’.

Although each home is unique, what exists as universal truth are some of the challenges that tend to exist in these communities. No place is without its share of problems, from disparities in communal resources to a lack of safe and affordable housing. It is at this intersection that Esusu finds his reason for being.

Esusu is an institution created to help bridge the wealth gap. A critical part of the mission is to ease the barriers that families face in accessing housing. With the belief that “housing is a basic right, and we envision a world free of crime, housing evictions and ultimately homelessness”, the organization actively works with government and community partners to achieve its vision and mission.

AfroTech sat down with co-founder and co-CEO of Esusu Wemimo Abbey to talk about their work in this space, namely their partnership with Fannie Mae.

Journey to Revelation

Esusu was built from Abbey’s voyage. Migrating from Nigeria, Abbey and her mother worked hard to earn a living in the United States. When they reached the point of looking for homeownership options, they were turned away because they had no credit score.

“We walked into one of the biggest financial institutions in Minneapolis, we used to borrow money, we were turned away and had to borrow money from a payday lender at a rate of ‘interest over 400%,’ explained Abbey.

Emboldened by the words of Tupac of her classic song, “Dear Mama”, Abbey was convinced that her experience couldn’t be the answer.

Abbey used this time in the bank to lead him on a journey that would ultimately give birth to Esusu. With the knowledge he and his co-founder Samir Goel had of the 45 million people in America who don’t have a credit score, the two men set out to make sure as many people as possible didn’t. the same experience as Abbey and her mother. .

A guide to achieving goals

The primary way they accomplish their mission of connecting people to housing is by leveraging their technology to empower people with information and resources to achieve their financial goals.

“We [Esusu] work with major owners and operators, and we capture point-in-time rental data and report it to consumer rating agencies. Thus, Equifax, Experian and TransUnion help establish credit scores. And for people who can’t afford to pay, we’re giving them interest-free rent relief,” Abbey said of Esusu’s work.

Resources Matter

Resources like providing rent relief are made possible through grassroots partnerships with local and national non-profit organizations. The last of these resource connections is their collaborative work with Fannie Mae.

As part of this partnership, Fannie Mae will encourage its borrowers to report rental payments on time to the three major credit bureaus through Esusu’s rental reporting platform. The rent reporting platform automatically de-registers tenants in the event of missed payments, thus avoiding harm to those who are in financial difficulty.

As part of this deeper relationship, Fannie Mae covers the cost of the first full year of service fees for Esusu’s platform, plus discounted prices thereafter for any borrower who signs up. The partnership will help participating multi-family property owners increase timely rent collection, reduce evictions, and most importantly, increase their environmental social governance (ESG) efforts.

Honest recognition

Fannie Mae has acknowledged the harm the organization has caused to communities of color. One step to help right some of these wrongs was to make sure people could access and improve their credit scores. Abbey and his team accepted this offer with this partnership.

“It’s about building fairness, believing that people deserve a fighting chance and believing that everything that happened in the past happened,” Abbey said.

The future is bright

As the service is filtered through landlords and provided to tenants of these units, Esusu hopes that over the next few years they can provide resources to a range of landlords that span over 10 million families and individuals. tenants.

“One day I feel like saying, ‘Hey, Joshua didn’t have a credit score, but because of Esusu, we set up his credit score,’ right? And we don’t We didn’t stop there. Right now, something is happening – rent relief kicks in. After rent relief, Joshua is on his way to buy a house. These are some of the analyzes we do at the Esusu,” Abbey said passionately.

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Free local directories on prenatal and child care now available | 963XKE | Classic Fort Wayne Rock https://livelinkdirectory.com/free-local-directories-on-prenatal-and-child-care-now-available-963xke-classic-fort-wayne-rock/ Wed, 02 Nov 2022 09:25:19 +0000 https://livelinkdirectory.com/free-local-directories-on-prenatal-and-child-care-now-available-963xke-classic-fort-wayne-rock/ FORT WAYNE, Ind. (ADAMS) – The latest edition of the Prenatal and Infant Care Resource Directory is now available free to the public and organizations that serve low-income and vulnerable residents. Free printed copies of the directory can be picked up by completing the request form here. A pdf copy of the directory is also […]]]>

FORT WAYNE, Ind. (ADAMS) – The latest edition of the Prenatal and Infant Care Resource Directory is now available free to the public and organizations that serve low-income and vulnerable residents.

Free printed copies of the directory can be picked up by completing the request form here. A pdf copy of the directory is also available on this same web page.

The St. Joseph Community Health Foundation updates and prints the directory every two years. It lists more than 100 free or low-cost prenatal and infant care services located in Allen County. Services such as health insurance registration, teen parenting, childcare, parenting classes, pregnancy testing, breastfeeding, vaccinations and more are listed in the directory. Each service listed includes information on days and hours of operation, payment methods accepted, whether photo ID is required, whether it is located on a bus route, and whether interpreters are available.

“Improving access to quality prenatal and infant resources is a priority for The St. Joe Foundation,” said Meg Distler, Executive Director of The St. Joe Foundation. “These directories are an important way to connect pregnant women and new mothers, especially those who are most vulnerable, to services and resources that can help them lead healthy lives and raise healthy children.”

The St. Joe Foundation began printing the Prenatal & Infant Care Resource Directory in 2005 and since then has provided more than 110,000 free copies to residents and local organizations. Each year, the Foundation distributes approximately 6,600 copies.

The Foundation has recently considered offering the information online only, but those who use the directory have overwhelmingly asked to continue distributing printed copies. The information in the directories is provided to Indiana 211 for use on its website and by 211 operators.

The St. Joe’s Foundation also prints and distributes the free Community Health Resource Directory, a guide to quality and affordable health and wellness services in Allen County. It is updated every two years alternating with the Prenatal & Infant Care Resource Directory. Both directories are available here.

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