Money – Beacon at Bangsar Mon, 16 May 2022 11:31:42 +0000 en-US hourly 1 Money – Beacon at Bangsar 32 32 What if you can’t pay the medical bills? Mon, 16 May 2022 11:31:42 +0000

Are your medical bills and overdue notices piling up on your table? You might be tempted to throw them all away, but that won’t be the best solution. You can’t pretend your debt doesn’t exist even if you think you can’t afford to pay it back.
About 61% of consumers with medical debt reported feeling stressed, while 49% lost sleep over medical bills and 23% were unwilling to repay existing medical debt. Do not give up repaying this debt. Here’s what happens if you don’t pay your medical bills.

What happens if you don’t pay your medical bills?

You will feel stressed

Sure get a $200 payday loan no credit check may be an appropriate solution to cover your medical expenses without a credit check. But if you already have a mountain of medical debt that you can’t handle, you might be afraid of phone calls and collection offices.

Some collection agencies have aggressive tactics to return the money unless you write letters begging them to stop these behaviors or find a lawyer to protect you. You may want to offer a reasonable monthly payment and negotiate this arrangement with the doctor’s office or hospital.

Having to apply for payday loans for this purpose also brings added stress. According to research on payday loans in americamost borrowers use payday loans to fund their day-to-day expenses over the months, while the average borrower is in debt about five months a year.

Research shows that the first time consumers took out a payday loan, 69% used it to cover utilities, rent or credit card bills, while 16% used it as help with medical bills or auto repair.

Invoices can go to collections

You should take immediate action if the hospital billing department threatens to send your bills to collections. Medical bills on your credit report will seriously hurt your credit rating. You may need to work with the doctor’s office or hospital billing department if you want to avoid having your account sent to the collection agency.

Your credit rating may suffer

The health care provider may not send your account to collections. However, this does not mean that the result will be positive. The hospital may report missed or late payments to credit reporting agencies such as Equifax, Experian, or TransUnion.

Are Medical Bills Affecting Your Credit? Yes, once this information appears on your credit report, it goes into the Payment History category. This category accounts for 35% of your credit rating, so it can significantly lower your rating.

You can find a suitable solution

You should do your best to think about a settlement, payment plan, or some type of arrangement between you and the doctor’s office. The sooner you find a suitable solution, the more likely you are to avoid going to collections or lowering your credit score.

You can get a credit card with a 0% introductory APR for a long time. This option also depends on your credit rating, your ability to repay debt on time, and other factors.

It is possible to buy additional time

Did you know that credit reporting agencies must wait 180 days before posting outstanding debt on your credit report? They count 180 days after receiving information about your unpaid medical debt. In other words, you still have a grace period of six months to try to negotiate this debt and resolve it. Otherwise, it will show up on your credit report and damage your rating.

Is a medical loan right for you?

Many people decide to take out a personal loan or a medical loan to finance their bills. It is important that you define whether applying for a medical loan can be a beneficial decision in your situation. It is useful if:

You can afford monthly payments

Many loans can be repaid in monthly installments or installments. If you calculate the total loan amount and it can easily fit into your budget, you can withdraw that money. Make sure you fully understand the loan terms and APR, and get a decent interest rate.

You consolidate your medical debt

Some consumers have high-interest medical bills that want to be consolidated. This decision will help you get a lower interest rate, manage your monthly loan payments, and pay off debt faster.

Do not take out a medical loan if:

You qualify for special programs and grants

Consumers, who are eligible for assistance from government programs, grants, and charities, may not need to apply for a medical loan. Look for alternative solutions or ask your hospital for a hardship plan before you decide to take out a loan.

High APR

Borrowers with poor and fair credit (FICO score below 689) may get a high creditor APR. As a result, you will have to pay higher interest rates and the total loan sum might not be affordable for you. If you calculate the total amount and find it too expensive with APRs above 36%, it is better to look for other options.

to summarize

You cannot neglect your medical debt. If you have a pile of medical bills, you need to find a proper way to get rid of them. Negotiating a hardship plan with your doctor’s office or taking out a medical loan can save you the stress of the unpleasant consequences of non-payment.

If you don’t pay your medical bills on time, your debt can be collected while your credit score can take a big hit. If you want to maintain good credit and protect your credit history, follow our advice and think about the best solution for your current financial situation.

Sunber launches Afterpay for a better shopping experience Sat, 14 May 2022 00:57:55 +0000

Sunber launches new payment method—Afterpay.

Sunber officially launched a new payment method – Afterpay on May 12. They offer different styles of afterpay wigs and hair weaves for girls.

Sun is an online wig store that can get a timely glimpse of fashion elements, and they have always been famous for their reasonable prices and high quality products. Over the past few years, they have won batch after batch of loyal customers, who are praised not only for their perfect products, but also for their considerate after-sales service and convenient shipping methods, etc.

Online shopping has gradually become an irreplaceable shopping method for most people, and different retailers or online platforms have also introduced different payment methods to meet different people’s needs. The installment payment method solves the problem of insufficient budget for many people and provides a lot of convenience for everyone.

Sun officially launched a new payment method – After-payment May 12. They are loved by over 14 million people around the world. Brands big and small work with Afterpay to provide a simple solution for their buyers. They have over 47,000 five-star reviews on the Driver Trust that qualify them as “Excellent”. People can see their spending limit, manage payments, and keep track of their favorite places to shop.

People just need to create an account in advance and then choose Afterpay as their payment method at checkout to get 4 interest-free shopping periods.

There are many best Afterpay companies out there, and of course Sunber Hair is no exception. They offer different styles of wigs after payment and weave hairas colorful wigsa short 613 bob wigand curly lace front wigs. People can get the best quality freely with Afterpay and no credit check.

Whether it’s a Member’s Day every Monday, a flash sale in popular Sunber Wigs every Wednesday, or a mark day, women can take advantage of the most convenient installment payment to fulfill their desire to buy now and pay later.

It should be noted that although payments through Afterpay are safe, the company may report late payments or defaults to major credit reporting agencies and your credit score may be negatively affected.

About Sunber Hair:

There people can choose to buy now and pay later with their installment systems After-payment, Klarna or Zip Quadpay at check out, use debit or credit card to pay in 4 installments. From their products, hair bundles, transparent lace closure, frontal wig and human hair wigs in various colors, lengths and textures to their after-sales service and transportation, Sunber does its best to guarantee the rights and interests of customers. .

For more information:

Company Name: Sunber Hair Company
E-mail: [email protected]
Telephone: +86 15993671002

Media Contact
Company Name: sun hair
Contact person: Cindy Yee
E-mail: Send an email
Call: 8186661872
Address:20220 S Avalon Blvd, Ste A
City: carson
State: California 90746
Country: United States

Need help paying for dental treatment? Here are some options Tue, 10 May 2022 00:00:37 +0000

MINT HILL, NC — Whether you just need a single crown or a full mouth rehabilitation, there are several ways to make your dental care affordable. Most patients are afraid to go to the dentist because they are reluctant to hear the price. However, your dental work will never be more predictable or more affordable than it is today. So why wait when it will cost you more in the long run? Here are some options our office offers to help our patients afford the work they want or need.

Varidi: Our team loves this finance company because there are two options: no credit check and credit check. Plus, there’s a 100% approval rate for at least $1,500 worth of dental work! Whether you need help with fillings, a crown, or clear aligners, Varidi can approve up to $4,000 with manageable monthly payments.

LendingPoint: We love the Lending Point, especially for procedures that are more of an investment. Whether your treatment costs $1,000 or $25,000, Loan Point offers easy monthly payments with favorable rates and terms.

Depending on the amount to be financed and your current financial situation, there may be payment options below $100 per month. Why delay your ability to smile or eat the way you want? Call our office at (704) 486-4189 or visit our website at to schedule an appointment. We’ll review reasonable financing options to give you the smile and teeth you deserve. In next week’s article, we’ll discuss how smiling makes you healthier.

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Ashley Dawson

Dr. Ashley Dawson is a general dentist and owner of Dawson Modern Dentistry (DMD) practice located in Mint Hill, North Carolina. Dr. Dawson has taken a different approach to dental visits through the use of technology to ensure a more comfortable and engaging dental experience. The DMD team is committed to continuous training in order to always offer more services to patients while constantly improving the quality of care. Additionally, Dr. Dawson and her team are focused on quality dentistry and lasting relationships with their patients.

FTSE 100 drops as recession fears hit markets Fri, 06 May 2022 17:04:09 +0000

ggood morning.

There are warning signs that the UK property boom may finally be coming to an end.

The average house price rose 1.1% in April to £286,079, according to Halifax. This is a new record and the 10th consecutive month of growth.

However, growth slipped to 10.8% on an annual basis, from 11.1% the previous month.

Halifax warned that rising interest rates and runaway inflation would soon dampen demand, and predicted slower growth by the end of the year.

5 things to start your day

1) Rising unemployment and soaring inflation: Britain’s gloomiest economic forecast for a decade Britain’s economy will be hampered by higher borrowing costs by the Bank and cuts in fiscal support by Chancellor Rishi Sunak

2) Landlords clash with developers to tackle ‘generational rent’ Developers warn planned reforms will spell the end of High Street

3) Britain faces recession and 10% inflation as interest rates rise Grim predictions on growth and unemployment as Bank raises rates to 1%

4) Nadine Dorries will continue the competition crackdown on big tech Culture Secretary launches Digital Markets Unit with power to impose multi-billion pound fines

5) Climate change crisis will ‘eclipse’ cost of living, says Mark Carney Former Bank of England governor says governments must seize the moment and move away from fossil fuels

What happened overnight

Asian stocks fell to their lowest level in seven weeks and the dollar held firm as investors around the world avoided riskier assets on fears that rising US interest rates and China’s strengthening of its zero-Covid policy does not harm growth harshly.

MSCI’s broadest index of Asia-Pacific stocks outside Japan lost 2.7% and fell to its lowest level since March 16, the day Chinese Vice Premier Liu He pushed shares higher in pledging to support markets and the economy.

The Japanese Nikkei bucked the trend, rising 0.6% as it returned from a three-day vacation. Chinese blue chips lost 2%, the Hong Kong benchmark lost 3.4% and the Chinese yuan fell to an 18-month low in both onshore and offshore markets.

coming today

  • Business : Apax Global Alpha, Beazley, International Consolidated Airlines Group (temporary); InterContinental Hotel Group, Spirent Communications (commercial statement)
  • Economy: Building PMI (UK)non-agricultural payroll (WE)average weekly earnings (WE)unemployment rate (WE)
Best Loans No Credit Check With Same Day Approval | Best Same Day Loans for May 2022 Wed, 04 May 2022 05:30:00 +0000

Whenever you need a loan for bad credit , take a look for one that has a low interest rate. Several lenders offer advances to people with bad credit at all times and at various interest rates. Before choosing a bank, it is essential to be as informed as possible. The creditor you select should offer you a low interest rate on an emergency loan.

When a lending institution agrees to give you credit, they usually check your credit history to see if you have a good credit history. Lenders do this to ensure that the person they are lending money to pays back the bad loan.

Since the market has grown accordingly, a variety of online loan companies offer bad credit advances to people with poor credit ratings. You don’t need perfect credit to get an emergency loan these days. If you have bad credit, you can get a bad credit loan.

The above lenders can help you get the funds you need and improve your credit score by making payments on time. It is important to note that these companies are autonomous, which allows them to respond quickly to Credit Master decisions.

We didn’t just go online and choose the most common and alluring credit loans for this blog entry. Accordingly, we have enlisted the help of reliable loan patrons who offer reasonable interest rates on their advances.

This is often the result of these loan specialists’ excessively high interest rates and other costs. Moreover, you can rest assured that these companies are genuine and will not deceive you.

Let’s take a look at loans for bad credit now.

Top online bad credit loans:

Accordingly, we have filtered out the best bad credit loan providers in this article. We will then review the strengths, pros, cons, and active customer engagement of these advanced providers to give you a clear idea of ​​what you can expect from them.

1. MoneyMutual : Personal loans for bad credit

2. BadCreditLoans : Loans without credit check and guaranteed approval

3. CashUSA : Personal loans for bad credit

4. Personal loans : Instant Payday Loans Online

5. FondsJoy : Loans without a credit check

MoneyMutual is indeed one of the finest and most appreciated advanced providers in the country. It’s more common because it doesn’t always do a full background check on borrowers.

The free benefit above connects loan borrowers with bad credit to legitimate banks and distinguishes them when buying advances based on their credit scores.

MoneyMutual is neither a lender nor a borrower; instead, it serves as a platform for these two parties to lend and borrow money. Think of it as an Amazon or an eBay for advances rather than items.

The company has been in business for almost ten years and has helped over two million people in the United States with their financial needs.


The main features of MoneyMutual are:


  • Ranks #1 Among Bad Credit Loan Companies

  • It is relatively simple for people with poor credit to obtain loans.

  • Marketing has a lot of notoriety and is part of the experience

  • Filling out the online form takes a lot of time.

  • You will receive the reservations within 24 hours.

The inconvenients

Customer service

Customers agree that the service is simple and contacting banks via the Internet is simple. Customers also find that this service allows them to make payments faster than similar administrations.

MoneyMutual is by far the best online loan provider without credit check with guaranteed approval.

⇒Visit MoneyMutual official website for more information

People who have had credit problems are familiar with bad loans. This free service connects lenders and applicants, allowing them to endorse loans regardless of their credit scores.

We advocate this because borrowers have described receiving shops from lending institutions on this site without having to submit a credit check.

This company has no control over the banks listed on this site. It provides you with all the information you need to determine if a particular lending partner meets your needs.


Here are the essential characteristics of bad loans:

  • A platform that helps connect lenders with lenders and provides enough information about each other to both parties.

  • The site uses advanced encryption technology to protect your information.

  • The use of this service is completely free.

  • Borrowers need only complete an online application for financial institutions to decide whether or not to work with them.


  • Borrowers can use it to find lenders quickly and easily.

  • The service is free.

  • Financial institutions on the platform have relatively lenient credit requirements.

  • Loan amounts ranging from $500 to $5,000 are available.

  • Allows you to compare and evaluate borrowing costs offered by different lenders.

The inconvenients

Experience with customers

Customers love how easy it is to get a loan approved on this site, as only a few credit checks are required. Plus, filling out the site form in just a few minutes adds to the ease with which most people find this service.

Some may consider BadCreditLoans the best no credit check loan with an online approval guarantee.

For more information, visit the official bad credit loans website.

CashUSA offers borrowers a variety of financing options to meet their immediate needs. It doesn’t matter if you want to pay off a debt or buy something new. CashUSA is able to adequately meet all requirements.

Additionally, the loans available on this site are regularly double those available on other dodgy loan collateral clearance sites.

You will be able to correlate the offers of the lending establishments to your condition once you have finalized the online form of the site. So don’t worry if you don’t get a lender referral on the site.

As usual, you will be able to rate credit repair, debt reduction and other services. If you receive an offer, the bank will ask you to provide additional information to the lender to determine whether or not they want to extend credit to you.


Here are the main features of CashUSA:

  • He consults an extensive network of lending institutions and partners to determine loan eligibility.

  • Customers must complete a form and provide additional data to receive a refund if required.

  • Your personal information is kept secure.

  • Loans of up to $10,000 are available to clients.

  • After receiving the assurance of approval, the money is instantly transferred to their bank accounts.


  • Funds are available in a timely and convenient manner.

  • The amounts of the loans are larger than those granted by similar companies.

  • Customer data is kept secure.

  • There are long and short loans available.

The inconvenients

Experience with customers

Customers appreciate the simplicity of applying for a loan on this site and the speed with which they can receive large sums of money. Customers also appreciate how adjustable interest rates and repayment options are on this website.

CashUSA is undoubtedly one of the best online no credit report loans with guaranteed approval. If you are looking for online loans for bad credit, you have come to the right place!

⇒Visit the official CashUSA website for more information

On the site, you will also find loan rates and other details about offers, which you can use to make a rational decision on which lender to choose. It is one of the most used tools by customers.

⇒Visit Personal Loans official website for more information

Customers appreciate the speed of the loan process. After applying for the loan, you will get your documentation quickly. After signing the electronic signature, the funds could be in your account within 24 hours.

=> Visit the official FundsJoy website for more information now!

Conclusion: Who is the number 1 loan lender for bad credit?

We will now summarize and define which company in America offers the best loan for bad credit.

MoneyMutual is your best option if you are looking for No Credit Loans with Guaranteed Approval.

The loan companies we have discussed in this article are some of the best bad credit lenders in the United States. Our recommendation is to use the services of MoneyMutual due to their excellent customer service. Online lenders also provide access to various other financial institutions, such as credit and debit cards and car loans. These websites help you compare borrowing costs from multiple lenders so you can choose the best option for you.

=> Apply for a payday loan for bad credit now!

The news and editorial team at Sound Publishing, Inc. played no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.

Sound Publishing, Inc. accepts no responsibility for any loss or damage caused by the use of any product, and we do not endorse any product displayed on our Marketplace.

Caesars Sportsbook promo code offers 2 awesome promotions in May Tue, 03 May 2022 13:58:59 +0000

Caesars Sportsbook’s latest promo code will offer bettors the chance to nab an instant bonus of $100 just by making a deposit of $20 this week, which is the perfect special offer during a busy sports betting streak. This week, the NBA playoffs continue as the first games of the NHL playoffs begin. These high-stakes matchups are joined by a full slate of action from Major League Baseball, UFC 274, boxing, golf, soccer and more. No matter what you’re looking to bet on, the latest Caesars promo code will provide punters with a fully guaranteed bonus to kick things off.

Caesars Sportsbook promo code AMNYSPR will unlock a guaranteed $100 bonus for those who deposit $20 this week.

While some new player specials offer big odds boosts, many offers require a specific game or prop outcome to be achieved. For example, a bettor may have to correctly choose a winner to receive the bonus. With this special offer, however, it is a simple deposit and get situation, removing any uncertainty from the equation.

Click here to lock in the latest Caesars Sportsbook promo code and take advantage of this special $100 deposit bonus. Those who would rather start betting with a risk-free first bet of $1,100 can get started by clicking here.

Special Offers on Caesars Sportsbook Promo Codes

Bettors have a few options when it comes to unlocking a big bonus to start the month of May. They can prepare by taking advantage of the current bet insurance special offer, which offers players a risk-free bet of $1,100. With this offer players can place a funding line, point spread or total bet on any upcoming sporting event. If the bet wins, collect the money and move on. But if a bet loses, that’s where the special comes in handy. Players can bounce back with a site credit bonus and bet again with the aim of making a profit. Essentially, players can bet with less stress knowing that the first bet will be backed by a refund.

If there is a downside to special wager insurance, it is that it requires a larger deposit to take advantage of its full extent. For example, a player would have to deposit $500 to make a first bet of $500 or $1,000 to bet $1,000 – you get the idea. With the special deposit bonus, however, a simple deposit of $20 will net you a bonus of $100. This means that a minimal initial commitment is required – and players can look to turn the bonus into a larger future payout.

In the end, it all comes down to personal preference.

How to Get the Latest Caesars Sportsbook Promo Code

Those looking to get into mixing can do so by taking the following steps, as long as they are in one of the following states: New York, New Jersey, Indiana, Illinois, Iowa, Michigan, Virginia, Virginia- Western, Tennessee, Louisiana, Colorado, and Arizona.

  • Click on here to get the $1,100 risk-free bet. Grab the $100 deposit bonus on the right here.
  • By clicking on the links, you will automatically get the latest Caesars Sportsbook promotional code.
  • Select the appropriate state from the drop-down menu.
  • Make a minimum first deposit of $20+ to take advantage of either of these special offers.
  • Start betting.

Other app features

This week the app will feature plenty of odds boosts for hockey, basketball, baseball and more. Be sure to check out these improved odds as well as a variety of other profit boosts, parlays and free bet promotions.

Click here to lock in the latest Caesars Sportsbook promo code and take advantage of this special $100 deposit bonus. Those who would rather start betting with a risk-free first bet of $1,100 can get started by clicking here.

How they work, cost, alternatives Fri, 29 Apr 2022 08:41:40 +0000
  • Title loans use your car as collateral, which means the lender can repossess your car if you don’t pay.
  • Title loans often have to be repaid within 15 to 30 days and charge interest rates of around 300%.
  • Alternatives to title loans include credit cards, personal loans, side gigs, and local charities.

A title loan is a short-term, high-interest loan that uses your car title as collateral when you borrow money. This means the lender can repossess your car if you don’t repay your loan on time. Many title lenders don’t consider your credit history at all when making lending decisions.

If you’re in a bind, have poor credit, and need cash fast, a title loan might seem like an attractive option to get your money. But title loans have significant drawbacks. Title loans are risky because they charge high fees and you risk losing your car if you are late paying.

Title lenders typically target borrowers with low credit scores or minimal credit histories who cannot qualify for lower-cost loans elsewhere.

“In an ideal world, no one would take out a title loan,” says Evan Gorenflo, senior financial advisor with the personal finance app Albert. “It’s not something you typically associate with progress or a financial goal. Rather, it’s designed to help you through a desperate time.”

What is the cost of a title loan?

Title loans generally have interest rates equivalent to 200% to 300% APR. A title loan generally has a better interest rate than a payday loan, which can carry an APR of 400% or more. However, its rate is significantly higher than personal loans or credit cards, which typically have maximum APRs around 36%.

“Home loans are tricky because a lot of people rely on their car to make money,” says Gorenflo. “In that situation, you’re giving up your title as collateral. Sometimes you give them a second set of keys to your car, they put the GPS in your car in some cases, so you’re really making it easier for them to confiscate your car if you are unable to repay this amount.”

How much can you borrow with a title loan?

The range you will be able to borrow depends on your personal circumstances, but generally lenders will allow you to borrow between $100 and $10,000. The usual loan term is two weeks to one month, similar to how a payday loan works.

“There’s a limit to how much you can borrow,” says Gorenflo. “If your car is worth $10,000, they won’t let you borrow all that. Sometimes it’s 25% of your capital limit. Some lenders will actually ask you to own your car before giving you a title loan. Each lender will operate a little differently.

Advantages and disadvantages of title loans

What are the alternatives to title loans?

If you need money to pay for expenses such as utility bills, credit card payments, or rent, try contacting your creditors to set up repayment plans that don’t require you to take out a loan. You never know what options might be available to you unless you reach out and ask.

Other alternatives to title lending include asking friends for money, joining side gigs from ridesharing apps, or contacting local charities or religious organizations. If you qualify, you may want to take out a credit card or personal loan with a lower APR than a title loan. You will still borrow money, but it will cost you less in terms of interest.

“If you need money fast, if you need to make $200, you can do it in a weekend with Uber,” says Gorenflo. “Even if it’s a little more wear and tear on your car, if it saves you from taking out a loan at 300% interest, it could definitely be worth it.”

Indy Pass adds 5 new resorts and reduces blackout days for next season Wed, 27 Apr 2022 15:00:34 +0000

Indy Pass 22-23 Early Bird Rates END May 17

Indy Base Pass – Adult $279, Children (12 and under) $119

Indy+ Pass – Adult $379, Children $169 (no restrictions)

Indy Base AddOn Pass – Adult $189, Children $89 (Partner Resort Season Pass Holders)

Indy+ AddOn Pass – Adult $289, Children $139

Indy Base Switch Pass – Adult $259, Children $109 (Mega Passholders only)

Indy+ Switch Pass – Adult+ $359, Kids+ $159

Indy Cross Country (XC) Pass – Adult $69, Children $29 (no restrictions)

Payment plan without interest or credit

Indy Pass offers an innovative, interest-free payment plan that allows buyers to make equal monthly payments until December 15. If purchased before May 1, payments are lower at $31/month for an adult pass and $88/month for a family of four with two children under 13. No credit check or credit application is needed and no lender/bank is involved.

About the Indy Pass:

After three seasons, Indy Pass has become the fastest growing multi-mountain pass in North America. It offers 92 alpine and Nordic resorts in the United States, Canada and Japan, each offering two days of skiing or horseback riding at an affordable price. Indy’s resorts are independent and authentic, and many are owned and operated by multi-generational families.




ALASKA – Eaglecrest Ski Area

BRITISH COLUMBIA — Apex Mountain Resort, Manning Park, Sasquatch Mountain

CALIFORNIA – China Peak, Mt. Shasta Ski Park, Snow Valley

OREGON – Hoodoo, Mt. Ashland

WASHINGTON – 49 degrees North, Ski Bluewood, Hurricane Ridge, Mission Ridge, White Pass


ALBERTA — Castle Mountain Resort

ARIZONA—Sunrise Park Ski Resort

COLORADO — Sunlight Mountain Resort

IDAHO – Brundage Mountain, Kelly Canyon, Silver Mountain, Tamarack Resort, Pomerelle, Soldier Mountain

MONTANA – Blacktail Mountain, Lost Trail Powder Mountain, Red Lodge Mountain

UTAH – Beaver Mountain, Eagle Point, Powder Mountain

WYOMING – Snow King Mountain, White Pine Ski Area, Antelope Butte


IOWA – Seven Oaks, Sunset Mountain

MICHIGAN – Big Powderhorn Resort, Caberfae Peaks, Crystal Mountain, Pine Mountain Resort, Shanty Creek, Swiss Valley Ski Area

MINNESOTA – Lutsen Mountains, Spirit Mountain, Powder Ridge Winter Recreation, Detroit Mountain, Buck Hill

SOUTH DAKOTA — Terry Peak Ski Area

WISCONSIN — Granite Peak, Little Switzerland, Nordic Mountain, Trollhaugen, Tyrol Basin, The Rock Snowpark


CONNECTICUT – Mohawk Mountain Ski Area

MASSACHUSETTS – Berkshire East Mountain Resort, Catamount Mountain Resort *

MAINE – Mount Saddleback

NEW HAMPSHIRE – Cannon Mountain, Pats Peak, Black Mountain, Waterville Valley

NEW YORK — Catamount Mountain Resort*, Greek Peak Mountain Resort, Swain Resort, Snow Ridge Ski Resort, Titus Mountain, West Mountain

VERMONT—Bolton Valley Resort, Magic Mountain, Suicide Six, Jay Peak Resort

*Catamount straddles the NY/MA border


NORTH CAROLINA — Cataloochee Ski Area

PENNSYLVANIA – Blue Knob Resort, Montage Mountain, Ski Sawmill, Shawnee Mountain

TENNESSEE — Ober Gatlinburg Ski Area

VIRGINIA – Bryce Resort, Massanutten Resort

WEST VIRGINIA – Canaan Valley Ski Resort, Winterplace Ski Resort


Okunakayama Kogen – Ninohe District, Iwate

Geto Kogen – Kitakami, Iwate

Shimokura/Pandora – Hachimantai, Iwate

Tazawako – Semboku, Akita


BRITISH COLUMBIA – Sovereign Lakes Nordic Club

MINNESOTA — Mapelap Resort

NEW HAMPSHIRE (2) – Waterville Valley Resort, JacksonXC

NEW JERSEY – High Point Cross Country Center

NEW MEXICO — Enchanted Forest XC

VERMONT—Woodstock Nordic Center, Rikert Nordic Center

WEST VIRGINIA – White Grass Visitor Center

Indy Pass
4 ways to improve your credit score | Business Sat, 23 Apr 2022 16:00:00 +0000

If you were recently denied credit or didn’t receive the low interest rate you expected, it could have something to do with your credit score.

These three numbers, which typically range between 300 and 850, represent your creditworthiness and could affect your daily life as well as your ability to achieve long-term financial goals. For example, telephone carriers and utility companies can use your score to determine which product options will require security deposits. Lenders consider these scores when deciding whether to extend credit for home and auto loans.

Credit scores are calculated using data from the credit history report, which you can take steps to improve. Here are three ways to improve your score and your financial well-being.

1. Review your credit history reports

Before you can improve your credit score, you need to review and understand the content of your credit history reports. View your reports and scores in Vermont Federal Online Banking system by accessing the “Credit Score” section. You will also find tips for improving and maintaining good credit health.

In addition to reading recommendations for improving your credit, review each report for errors. Inaccurate overdue payments or accounts that do not belong to you may be incorrectly included in the report. Follow each credit bureau’s dispute policy to have these items removed. Clearing errors from your credit report could quickly improve your credit score.

2. Pay your bills on time

When you don’t pay your bills on time, it affects your credit score and can cost you money. Same 30 days late payment can lower your credit score and result in financial penalties. Always pay at least the minimum due on your accounts each month.

If you have overdue accounts, catch up as soon as possible by redirecting money from other unnecessary expenses into your budget. Overdue accounts could be handed over to collections, further damaging your credit. Make sure future payments arrive on time by setting up automatic bill payments through Online Banking.

3. Keep account balances low

High credit utilization rates can lower your credit score even if you pay your bills on time. Rates are usually calculated by comparing your total debt to your available credit. Credit bureaus recommend balances stay below 30% of your credit limit to positively affect your score.

Pay off your debts to improve your rate and your credit score. Depending on how quickly you want to improve your credit, consider working overtime or taking on a second job and channeling that income into high debt balances.

4. Take advantage of Vermont Federal Credit Union product solutions

New borrowers or those with past credit issues could benefit from Vermont Federal’s Credit builder loan*. This loan can help you build credit if you are a new borrower or want to restore your credit and increase your overall credit score.

If credit rejections have prevented you from getting new credit, apply for Vermont Federal Equity Secured Visa Credit Card*. This low-interest card requires no credit checks and could help you re-establish a positive credit history. The amount deposited in a securities account secures your credit limit. Make purchases with the card, keep the account balance low and monitor your credit score improvements in Online banking.

*Subject to credit approval.

6 useful and practical tips to pay off your debts in 2022 Thu, 21 Apr 2022 01:35:30 +0000

Loans or credit cards are sometimes the best option if you have a financial emergency while you wait for payday, or if you need to pay to get your car fixed so you can get to work and earn money. Paying off debt can leave more money to save and teach you how to budget for the future. It can also improve your credit score, especially if you pay more than the minimum payment each month. This can make it easier to get loans in the future.

Paying off debts is not an easy solution. It takes planning and dedication to achieve your financial goals, but with that determination, your debts can be paid off. It will ultimately leave you happier and stress-free. No matter what type of debt you have, below are six helpful and practical tips for paying off your debt in 2022.

Debt Consolidation

Debt consolidation can be a great option if you have several different loans and credit cards that you’re trying to pay off at once. If you can find a loan that offers lower interest rates, you can use it to pay off your existing debts, leaving you with just one debt to manage, rather than many. If you’re having trouble keeping track of all your existing debts, this is a handy solution that can make it easier to pay off your debts.

It’s not always the best option for everyone, so calculate how much interest you’re paying on each of your debts so that when you apply for a loan, you can see if debt consolidation is worth it. This will depend on how long you have to repay the loan and whether it is affordable for you.

When you’re in debt, it can negatively affect your credit score, making it harder to find a debt consolidation loan. If so, you need to find a company that does not provide credit check loans. This guide from Sunny has all the information you need on bad credit and no credit check loans. They are a credit broker who work with various lenders, so they can help you find a suitable debt consolidation loan.

The avalanche method

The avalanche method is a common way to pay off debt and works by paying off the loan or credit card with the highest interest rate first. Like an avalanche, it may seem like your debt is going nowhere, but stick with it, and you’ll soon see the benefits of using this method. Once your highest interest rate debts are paid off, you will notice a change in your debt repayment plans. As a result, your debts become easier and easier to repay.

High interest can lead to additional debt, especially if you only pay the lower amount each month. As interest accumulates, you want to get rid of this debt as soon as possible. You should still pay off all your debts, but consider paying the minimum amount, so that any extra can go directly to the highest interest debts.

Balance Transfer Cards

Balance transfer cards are a form of credit card that can be used to lower the interest rates you pay. Your bank may offer you one, or you can search online to find one that’s right for you. Usually these have an introductory offer, where you pay less interest and can transfer balances from other credit cards to this card. Depending on the provider, they may charge to transfer balances, so you need to consider whether this method is worth it.

Some cards will give you a 0% balance transfer fee within a certain time frame, so you should get everything ready for the transfer right away. Keep in mind that interest rates may increase after the introductory period, so you should repay quickly to get the most out of it. Using a balance transfer card alongside the avalanche method is great for getting rid of high interest debt quickly.

The snowball method

Another popular debt repayment method that you may have already heard of, the snowball method, is to get rid of the smallest debts first. Just like a snowball rolls across the ground, getting bigger and bigger, you have more money to meet your bigger debts when you pay off the smaller ones first.

When you pay off a debt, you get great motivation because you see your hard work paying off. When debt is overwhelming you, it can be a good idea to use this method and reduce the amount of debt you have.

Debt repayment plans

A debt repayment plan is an agreement that has been put in place between you and the loan or credit card agency. Together, you can find a solution that benefits both you and creditors, so you can start paying monthly fees under a structured payment plan. Sometimes this can reduce the amount of interest you pay, as long as you hit the target payment each month.

Plus, it’s always best to talk to creditors directly if you’re having trouble paying your debt on time. Things happen, and not saying something could hurt your relationship with creditors, as they might be able to put a note on your file and agree on a different payment date. It’s always worth asking and informing, as you’re more likely to face further penalties if you don’t say anything at all.

Budgeting and saving for payments

The methods above are all great ways to pay off your debt, but setting aside the right amount of money each month and coming up with a debt repayment plan without a budget can be tricky. Creating a budget will give you a better understanding of your finances, so print out your monthly bank statements for the last 3-6 months and start logging all the inflows and outflows.

On a separate sheet of paper, calculate the payments for all your debts. Once you have those numbers, figure out where you can save money to pay off debt faster or go the avalanche or snowball method. Then look for ways to limit spending in other areas so you have more money to pay off your debts.

That morning coffee doesn’t taste nearly as good when you see how much it’s costing you each month. Consider working out at home instead of at the gym, cancel memberships you barely use, look for ways to save money on essentials like groceries, and, if necessary, spend a little more time at home over the next few months. Although it may be difficult, improving your spending and savings habits will benefit you now and in the future.

These 6 useful and practical tips can help you pay off your debts in 2022, leaving you in a better financial position. Whether you try debt consolidation, the snowball method, or a balance transfer card, these solutions can offer a convenient approach to paying off your debts. If you still need help, you can find free debt advice online. If debt is overwhelming you, make sure you talk to someone about it.