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Is it Worth Getting a Loan if You Live with Your Parents

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Increasingly young people are continuing to live in the family home, often into their 20s and 30s for a variety of reasons. Sometimes it is just comfortable and convenient and sometimes it is to allow them to save some money before moving on. Living at home does however mean that the bills are paid and although you may be contributing to some of the expenses, you will generally not have any lines of credit with your name attached. In order to obtain credit, a lender has to assess their risk, is the borrower reliable and where is the evidence. Living at home with your parents would leave you in a position where you would not be able to provide the lender with that information. The lender accesses that information by way of a credit check and if you have no credit history, it would make the decision process for the lender very difficult and often in cases like that, the lender may lend but at a higher rate of interest as the risk is perceived to be higher. See more about living at home guarantor loans through TrustTwo:

Increasingly young people who stay at home recognise this difficulty and will use small lines of credit. They may apply for a credit card, some credit cards are easier to obtain than others and some credit cards offer incentives so it is worth shopping around to see what is the best fit for your circumstances. By using the credit card for purchases then paying the balance at the end of the month via direct debit from your bank shows your reliability as a borrower.The temptation is always there however to overspend so you would need to be disciplined enough to avoid that.

Some young people may also apply for a loan, say for a car, and if the loan amount is small, lenders may be willing to lend. In this way they again build information on their credit file for later use when they perhaps wish to borrow more.

A loan can also be taken with a guarantor for cases where a loan is rejected by the lender.

Remember that each time you make application for a credit card or a loan, the lender or provider will organise a credit check, this credit check will show up on your file and if there are too many checks in quick succession, this could negatively impact on their decision to lend, so it may be an idea to apply for your credit card, then at a later stage apply for a small loan. Rejections also impact on your score.

Some loans are easier to come by than others and it is usually the loans with the high rates of interest that can be obtained more easily.

Always shop around and look for the best percentage rate that you can get, quoted as an APR. Do not assume that the advertised rate is the rate that you will automatically get, that is variable and will not be offered to everyone. Do your homework and ask questions, reputable lenders will be willing to help and answer any of the questions that you may have.

Events

Memorial Day Events

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The New York Philharmonic is giving a free concert on Monday, May 27th to honor of Memorial Day. Go inside the beautiful Cathedral of Saint John the Divine. Conducted by Jaap van Zweden, the program will include Wagner’s Prelude to Act I of Die Meistersinger von Nürnberg, Copland’s Quiet City and Brahms’ Symphony No. 4. Its free but you can get a limited ticket, which are available on a first-come-first-serve basis. 
See Top Gun: Maverick Friday, May 24 at The Intrepid. Doors open at 7pm and the movie starts at sunset. Make sure to bring some blankets and lawn chairs along. You can also bring your own food and drinks (alcohol is not permitted, though), and light snacks will be sold at the event.

Also at the Intrepid on Saturday, May 25-Sunday, May 26 there will be musical performances and explore a variety of displays, activities, and demos from the military, including the U.S. Marine Corps, U.S. Coast Guard, Office of Naval Research and many more. OnMonday, May 27The Museum’s annual Memorial Day ceremony.

Tour Naval ships all week long:

Manhattan, Pier 88 South
— Amphibious assault ship, USS Bataan (LHD 5) from Norfolk, Virginia
Public tours only on Saturday, May 25, from 9am-4pm

Manhattan, Pier 90 North
— Baden-Württemberg-class frigate FGS Baden-Württemberg (F-222) from Germany
— Berlin-class replenishment ship FGS Frankfurt am Main (A-1412) from Germany
Public tours only on Saturday, May 25, from 9am-4pm

Manhattan, Intrepid Museum, Pier 86
— Four U.S. Naval Academy YPs, Annapolis, Maryland
Public tours are available May 23-24, from 10am-5pm

— Bay-class cutter USCGC Sturgeon Bay (WTGB-109) from Bayonne, New Jersey
Public tours are available May 23-27, from 10am-5pm

Homeport Pier, Staten Island
— Freedom-class littoral combat ship USS MARINETTE (LCS 25) from Mayport, Florida
— Legend-class cutter USCGC Calhoun (WMSL-759) from Charleston, South Carolina
— Keeper-class coastal buoy tender USCGC Katherine Walker (WLM-552) from Bayonne, New Jersey
Public tours are available May 23-27, from 8am-5pm

Every year, the Soldiers’ and Sailors’ Monument in Riverside Park is a site for a Memorial Day Observance. Representatives from the New York Council and other military and veterans support organizations participate in this annual ceremony to honor all who have served and sacrificed. The monument is located at Riverside Drive and 89th Street and the event is free and open to the public from 10am to noon.

Ride the wave of creativity at Convergent Waves: NYC, an immersive multimedia dance event aboard the 1885 tall ship Wavertree in the Seaport. Dancers will perform contemporary works on this historic vessel. The performance was conceived by Lenora Lee, of Lenora Lee Dance, which is celebrating its 15th anniversary in this collaboration with South Street Seaport Museum. See the world premiere of Convergent Waves: NYC on Saturday, May 25, with additional performances on Sunday, May 26, and Monday, May 27. It’s free to attend, but guests should reserve tickets online in advance.

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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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