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How Do You Get a Personal Approved for Debt Consolidation?

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Are you plagued with too many credit card debts or a high-interest loan? You are struggling hard with your debt repayment and making both ends meet. If the answers to these questions are a yes, you may consider a personal loan. These loans are offered by multiple banks and lending institutions so that you can consolidate your multiple debts into a single monthly payment at a certain rate of interest. Yes, you need to make only one payment in a month until you clear all your dues to your creditors. It is an easy and convenient arrangement. Though personal loans carry higher interest rates than mortgage and car loans, they are a practical choice for borrowers who want to pay off high-interest loans. 

According to an article published on https://www.huffpost.com, a debt consolidation loan makes your life easy because it reduces the number of loans and the debts you need to monitor from time to time. When you make a single payment every month, it will help to reduce the rate of interest in the years to come compared to the existing debts that carry a high rate of interest. This way, with a consolidated loan, you will not miss monthly payments and repay all your debts quickly. Therefore, if you have decided to take a personal loan for debt consolidation, here are some of the ways for its easy approval:

Decide how much you should borrow 

Before you fill out the form for a personal loan, decide how much money you need. Take your time and think. There is no need to take a rash decision. Count again the existing debts that you want to consolidate. Count once more if you feel unsure. Though you may not need such details right away, it will help you to figure out your financial needs and avoid taking out a loan with an abnormal rate of interest later. Make sure that you do not borrow more than you require. 

We recommend that you sit with a pen, paper, and calculator and assess your existing debts, your monthly income, and the bills that you need to pay. After you have done some number crunching, look at the figure remaining after paying for your monthly expenses. Ascertain whether the remaining money is enough to pay off the loan. If not, take out a smaller amount so that you have enough cash to pay your debt off quickly with defaulting payment. 

Think which loan to take

If you inquire, you will find that there are two types of personal loans, secured and unsecured loan. When it comes to secured loans, you need to use collateral like your house, vehicle, any of these your lender can possess in case you fail to repay the loan. Such loans have relaxed credit score requirements and you can opt for a low rate of interest and more borrowing potential. Though you may apply for a secured loan with a low rate of interest and credit rating, you are putting your personal possessions at stake.

Unsecured loans, on the contrary, will not ask you for collateral security, but approval depends on your credit score and payment history. If the bank or other lending body finds that you make regular monthly payments, your application will get approval. However, you may need to pay a high rate of interest when taking unsecured loans. You can visit platforms like nationaldebtrelief.com or similar ones to understand about personal loans and consolidation. 

Check your credit score 

You apply for a personal loan without checking your credit score. The result is application rejection and disappointment. Therefore, you should always check your credit report for filing your loan application. It implies that you must go through your credit rating and credit report. Take some time out of your busy schedule and check your score and report once a year. Make sure that you check with all the credit bureaus. The process is simple and free. All you need to do is to visit the website AnnualCreditReport.com from the comfort of your home. Look closely to scrutinize the report for incorrect or negative details that could lead to the rejection of your loan approval. In case, you find any mistakes in one or more entries, raise a concern and get the errors rectified. Ensure that you have all the erroneous entries eliminated from your credit report. 

Next, check your credit score before filing your loan application. It is important to note that you can check up to two scores at no cost at all at platforms such as Credit.com. Before applying for the loan, do all that is required to improve your credit rating. If you need a loan immediately and have a poor score, you will need to wait until your credit rating improves. Then, you will need to start making your bill payments on time without fail. 

Make a checklist 

When you are prepared to file the loan application, it is time to create a checklist of the papers and documents you will require for smooth approval. You will have to consult with your creditors, lenders, and employer to collect all papers. Therefore, you should have the time to have all the documents in place. 

Make sure you have all papers in place because incomplete applications will lead to immediate rejection. That will dampen your spirits when you need the money the most. Incomplete paperwork and incorrect form details will delay the loan approval process. It will create financial challenges for you because when your application is not approved, you will have a tough time to repay your multiple loans. It will lead to financial challenges, and you will need to apply all over again for seeking approval. Therefore, keep all your papers in place. Time matters when it comes to personal loan approval. 

Debt consolidation makes sense in specific situations. Therefore, do not apply for the same if you feel that you can repay your small debts on time. Understand the pros, the cost of a personal loan, and then make an informed decision. 

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TODAY Show Celebrates 30 Years With Its 2024 Citi Concert Series

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The TODAY Show is celebrating 30 years so its 2024 Citi Concert Series lineup is pretty spectacular. Rockefeller Plaza will have country music with Wallows kicking things off. Chris Stapleton, Lainey Wilson and Thomas Rhett, as well as fan favorites Meghan Trainor, LL COOL J and Chance the Rapper.

Mark Your calendars:

May

Friday, May 24 — Wallows *Register for a Fan Pass

Friday, May 31 — Anitta *Register for a Fan Pass

June

Friday, June 7 — Meghan Trainor *Register for a Fan Pass

Friday, June 21 — Kehlani *Register for a Fan Pass

Tuesday, June 25 — Lainey Wilson *Register for a Fan Pass

Friday, June 28 — Gracie Abrams *Register for a Fan Pass

July

Thursday, July 4 — Bleachers *Register for a Fan Pass

Friday, July 12 — Rauw Alejandro *Register for a Fan Pass

August

Friday, Aug. 9 — Maggie Rogers *Register for a Fan Pass

Monday, Aug. 12 — Little Big Town and Sugarland *Register for a Fan Pass

Friday, Aug. 16 — Chance the Rapper *Register for a Fan Pass

Friday, Aug. 23 — Thomas Rhett *Register for a Fan Pass

September

Friday, Sept. 27 — Chris Stapleton *Register for a Fan Pass

Date to be announced 

LL COOL J *Check back for Fan Passes

TODAY concerts are free and open to the public. The shows take place on the TODAY Plaza in Rockefeller Center, located at 48th Street, between 5th and 6th Avenues, in New York City.

The closest subway stop to our TODAY Plaza concerts is the 47th — 50th Streets — Rockefeller Center station on the B, D, F, M trains. 24/7 parking is also available nearby at the Rockefeller Center Parking Garage at 53 West 48th Street. The garage is operated 24/7 and accepts reservations in advance. Hourly and daily parking rates apply.

Fan Passes are limited and available by advance request. Guests who receive them will be notified by email before the scheduled concert date.

Guests who do not obtain a Fan Pass can still attend the General Admission line the morning of the concert, and those fans will be let in if space allows. Other answers to commonly asked questions about the series can be found here.

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Memorial Day Weekend Sips That Sizzle

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Summer, summer time is here!

Get ready for days in the sun that sizzle this Memorial Day Weekend with these amazing sips. Mix a cocktail or have it easy, breezy and straight from the can or bottle. All of these options will bring joy and delight to your picnic on the beach to your backyard BBQ!

Happy Memorial Day Weekend.

For Tea Lovers with a Twist – Lipton Hard Iced Tea

 Lipton Hard Iced Tea is the tangy twist on a classic that you will love. Crafted from a triple-filtered, premium malt base and real brewed Lipton tea, it’s a perfect way to enjoy the best tea with a level of sweetness that will dazzle your senses. Whether you’re firing up the grill, hitting the beach, or simply enjoying some outdoor fun, Lipton Hard Iced Tea has you covered. With flavors like Lemon, Peach, Strawberry, Citrus Green Tea and Half & Half, there’s something for everyone to enjoy.

For Wine Lovers Who Love Sophistication – Miraval

Miraval Rosé is a perfect summer day in a glass. With blend of fruits aromas and freshness, made on an exceptional terroirs in Provence.

Attractive bright and translucent colour,  its divine aromatic bouquet combines fresh fruit, freshly cut currants and roses, seasoned with a zest of lemon. A glass can be perfectly enjoyed with a luxurious meal with friends as the sun sets.

For the Traditional Lovers – Jefferson’s Bourbon

Cover art by Lucas Sankey on Unsplash

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Choosing The Perfect Battery Charger: A Comprehensive Guide

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Given the complexity of technology and its ever-evolving nature, battery chargers are often viewed superficially, as mere power providing adjuncts. However, to truly grasp the essence of these devices and how they function optimally requires a thorough understanding of the subject. The significance of pairing the correct battery with its compatible charger cannot be overstated for the risk of inefficient charging and consequential damage is too great. From this comprehensive guide, expect to delve deep into the world of batteries and chargers, various types available in the market, factors to consider when purchasing, a glance at the reputable brands, and a look into what the future holds for battery charging technology.

Understanding Batteries and How They Work

The battery universe is expansive, with the more known types including alkaline, lithium-ion, and nickel-metal hydride. Each variety offers its own performance prowess based on their unique chemical construction, demanding a charger that matches their natural disposition for compatible interaction and maximum efficiency. Like pieces of a puzzle, certain batteries and chargers fit together seamlessly, while others don’t, resulting in suboptimal charging. To complicate matters, complex information often parallels misinformation, giving rise to common misconceptions—the primary one being batteries and chargers being universally interchangeable. In reality, the use of incompatible chargers can lead to shorter battery lifespan and avoiding lithium battery risks becomes especially important. Lithium batteries, for instance, require specific chargers designed to manage their charging cycles and prevent overcharging, which can lead to overheating and potential fire hazards.

Reader’s Guide to Different Types of Battery Chargers

Navigating through the vast sea of battery chargers can be a daunting task. With options ranging from simple wall plug chargers, intelligent chargers that utilise advanced circuits, solar chargers capitalising on sustainable energy, to fast chargers that make your battery achieve full potential in no time—choosing the right type can be overwhelming. Wall plug chargers are common household items but may not offer the smart technology features that can optimise charging efficiency. Intelligent chargers, on the other hand, offer sophisticated mechanisms that can detect the battery level and adjust the charging accordingly. Solar chargers are fantastic eco-friendly alternatives harnessing the endless power of the sun, while fast chargers are modern-life necessities reducing the wait time drastically. The key here is to understand which charger works best with which battery type, to drive maximum efficiency and operational longevity.

Factors to Consider While Choosing a Battery Charger

Battery type and capacity, charger’s output level, charging rate, portability, size, along with crucial safety features, create a checklist of vital factors to consider when purchasing a battery charger. For example, lithium batteries, widely used in consumer electronics, require specific chargers designed to manage lithium battery risks adequately. The charger’s output and charging rate directly influence how swiftly your device gets powered up, making it crucial for anyone with time constraints. For the globetrotters or those always on the move, portable and compact chargers are lifesavers, providing power on-the-go. Safety features like guards against overcharging, overheating or short-circuits are non-negotiable considerations, assisting in the prevention of potential device damage and ensuring user safety.

Top Battery Charger Brands On The Market

The battery charger market, brimming with numerous brands like Duracell, Energizer, Anker and Nitecore, presents shoppers with a broad spectrum of options. Duracell is a household name, celebrated for its reliable performance. Energizer, another distinguished brand, takes pride in their sustainable initiatives. Anker, a younger entrant, has gained swift recognition for its advanced tech offerings. Nitecore, primarily catering to outdoor and tactical users, is noted for its durability and versatility. Authentic customer reviews, careful feature evaluation, brand reputation and cost-effectiveness analysis synergise to facilitate an informed choice. Remember, understanding the competitive strengths and unique features of each product offering will aid you in choosing a battery charger that best suits your needs.

Future Evolution: Smart Chargers and More

The future of battery chargers pulsates with promise. Leading the charge are smart chargers that auto-adjust the charging rate in response to the battery level, minimising any chance of overcharging, improving battery life, and ensuring utmost safety. Emerging technologies around wireless charging and multi-device charging platforms are full of potential, promising to transform the landscape of battery charging. As these developments become commercially feasible, one can confidently anticipate major leaps in charging convenience, compactness, and overall user experience. Needless to say, these trends will greatly influence our selection of battery chargers and shape the course of consumer electronics.

Acquiring the correct battery charger, far from being a mundane chore, is a delicate task that involves consideration and care. A clear understanding of batteries, their respective types and compatible chargers, the diversity of charger types, important factors to ponder in your purchasing process, as well as staying updated with leading brands and future trends, combine to establish a sound foundation for intelligent selection of your perfect battery charger. As you move towards making an informed decision – remember that judicious choices made today can save you considerable time, effort, and financial resources tomorrow. Don’t forget to share this article with your network or add your own insights into the world of battery charging in the comments below.

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The Abbot of Athos and The Consulate Midtown A Tale of How Food Can Bring Peace

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Greece and Macedonia, have had decades of tension, but yesterday at The Consulate Midtown, 44 West 56th Street The Holy Father, Geron Nektarios, Abbot of the Kalyve of Holy Cross in Skete of Saint Anne in Mount Athos and Kiril Mihajlov, showed how great food and conversation can give way to peace.

The Holy Father, Geron Nektarios, Abbot of the Kalyve of Holy Cross in Skete of Saint Anne in Mount Athos, Kiril Mihajlov

I met the Abbott in Greece last summer and he graciously agreed to have lunch with me and some guests I invited, before he returned to Greece.

Margarita Parlionas, Captain John Woodall

Margarita Parlionas is a business owner, who brought with her Captain John Woodall who runs Camp4Heroes, a place where Vets can get some much needed help.

Suzanna Bowling, The Holy Father, Geron Nektarios, Abbot of the Kalyve of Holy Cross in Skete of Saint Anne in Mount Athos, Kiril Mihajlov and George Tower

George Tower, is contributing writer for the, T2C, and speaks fluent Greek.

The Abbot, Margarita and Captain Woodall all supped on the Hangover Burger ($28) 8oz grilled patty, lettuce, tomato, caramelized onions, topped with a fried egg on a brioche bun, which they all claimed was the best burger they had ever had.

George had the Salmon Eggs Benedict ($26) poached eggs, smoked salmon, toasted brioche, espelette hollandaise sauce and was completely happy.

T2C’s Suzanna Bowling had her favorite Avocado Toast with Bacon ($24) scrambled eggs, Canadian bacon and mixed greens. If you want sensational food with a elegant atmosphere, I highly recommend The Consulate Midtown.

The Abbot gifted a book about his life written in both Greek and English to the guests.

The Abbott has been in America since April visiting Boston, Washington, Chicago, Milwaukee, The Mayo Clinic, Rochester, Queens and NYC. His message is of gratitude, love and healing. He has been raising funds to expand and offer more to men who want a spiritual retreat, which is what Mount Athos does.

T2C’s Suzanna Bowling and The Holy Father, Geron Nektarios, Abbot of the Kalyve of Holy Cross in Skete of Saint Anne in Mount Athos

If you wish to know more you can go to Athonite Foundation.

 

 

 

 

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Sleep Well With Parallel

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Finding the perfect pillow can be a pain in the neck (literally). It is said we get the deepest, healthiest sleep with a pillow that provides the perfect combination of softness and firmness, as well as the ideal loft to help support your neck and spine.

“One size fits all” doesn’t cut it for those who suffer from neck pain. If you didn’t have neck pain before using an inexpensive pillow, you probably will not getting the proper support.

Memory foam pillows have been the best pillow for neck pain, but adjustable memory foam pillows help the side, stomach, or back sleeper relieve neck pain. They however are not thermal regulating or hypoallergenic, which I have learned for me is key.

I have never had a pillow that I love as much as the Parallel pillow. I have the Parallel High Profile Adjustable Pillow($89) and since it has arrived I have slept like never before. I use awake with neck and shoulder pains….no longer. I also use to flip again….gone.

When the pillow arrives, you throw it into the dryer for 5 minutes and wow the pillow is fluffy and ready for use.

This pillow has an inner shell that contains ParaPur™ silver ions that naturally destroy 99.9% of microbes that cause odors, without nasty chemicals. Silver ions have a wide spectrum of biocidal activity against bacteria, fungi, and viruses, due to their high surface-to-volume ratio. Pure silver is also hypoallergenic. The sculptable, huggable Blutech Fiber Fill (BFF) inside the Parallel High Profile Pillow is a unique blend of downy hypoallergenic fibres and precision-cut gel visco foam that invites twice the airflow of conventional foam. You’ll feel the awesomeness immediately.

The pillow also boasts:

  • The perfect temperature, year-round. Never cold or hot
  • Easily adjustable pillow: add or remove fill for perfect support
  • Oodles of sculptable Blutech Fusion Fill (BFF) with 2X the airflow
  • Doesn’t go flat
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