Cookie business – Fallen Souffle http://fallensouffle.com/ Thu, 12 Aug 2021 04:00:24 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://fallensouffle.com/wp-content/uploads/2021/08/cropped-icon-32x32.png Cookie business – Fallen Souffle http://fallensouffle.com/ 32 32 Biden keeps payments freeze, forgiveness stalled https://fallensouffle.com/biden-keeps-payments-freeze-forgiveness-stalled/ https://fallensouffle.com/biden-keeps-payments-freeze-forgiveness-stalled/#respond Fri, 06 Aug 2021 21:22:11 +0000 https://fallensouffle.com/biden-keeps-payments-freeze-forgiveness-stalled/ WASHINGTON – President Joe Biden’s administration has said it will extend the hiatus on federal student loan payments one last time, until Jan. 31, for a total of nearly two years of reprieve for borrowers. “This latest extension will give students and borrowers the time they need to plan for the restart and ensure a […]]]>

WASHINGTON – President Joe Biden’s administration has said it will extend the hiatus on federal student loan payments one last time, until Jan. 31, for a total of nearly two years of reprieve for borrowers.

“This latest extension will give students and borrowers the time they need to plan for the restart and ensure a smooth return to repayment,” Education Secretary Miguel Cardona said in a statement on Friday.

Since the pandemic first struck, millions of student loan borrowers have been spared having to pay into their accounts. The payment freeze was scheduled to expire on September 30. It also included a 0% interest rate on loans, and the government had ordered lending departments to stop collection attempts.

Collecting the country’s $ 1.6 trillion student loan bills is already a daunting task in normal times. Waiting for borrowers to resume their payments after a hiatus of almost two years will be an even more difficult challenge. Complicating matters further is the departure of two companies that operated government loan programs.


Source link

]]>
https://fallensouffle.com/biden-keeps-payments-freeze-forgiveness-stalled/feed/ 0
Cookie Business Brings Sweet Success to Local Entrepreneur | New https://fallensouffle.com/cookie-business-brings-sweet-success-to-local-entrepreneur-new/ https://fallensouffle.com/cookie-business-brings-sweet-success-to-local-entrepreneur-new/#respond Fri, 06 Aug 2021 18:00:00 +0000 https://fallensouffle.com/cookie-business-brings-sweet-success-to-local-entrepreneur-new/ Denise Allen of Norlina started Sweet Delights Cookies LLC several years ago with the goal of helping her granddaughter, Barbara, achieve her dream of going to college. Today, Barbara is a sophomore at the University of North Carolina at Greensboro, and Sweet Delights continues to grow through efforts to help more local students attend college. […]]]>

Denise Allen of Norlina started Sweet Delights Cookies LLC several years ago with the goal of helping her granddaughter, Barbara, achieve her dream of going to college.

Today, Barbara is a sophomore at the University of North Carolina at Greensboro, and Sweet Delights continues to grow through efforts to help more local students attend college.

Allen discussed his recipe for commercial success Friday at the Warren County Memorial Library in Warrenton as part of his summer reading program.

As attendees enjoyed freshly baked chocolate chip cookies from Sweet Delights, Allen said the first store that sold his cookies was Pay Jay’s Corner Store in Wise.

She started her business at home, then moved to her commercial garage with a kitchen and now operates an independent store. Allen established the limited liability company in 2018.

She thanks her mother, who lived to be 102, for helping her learn the skills needed for a successful cookie business.

“I’ve cooked my whole life,” Allen said. “Mom taught me when I was 9.”

Sweet Delights offers seven cookie flavors: chocolate chips, oatmeal, raisins, white chocolate with cranberries, caramel, fluff and salt (with chips and pretzels as well as the more traditional cookie ingredients), zest of orange and lemon zest.

Sweet Delights cookies are still available at Pay Jay’s, but now the market has expanded to County Durham, North Carolina and Meckleburg County, Virginia. Other Warren County locations where cookies are sold include Blue Waves in Norlina, Axtell Grocery in the Axtell community, and Buchanan’s Store near Drewry. Sweet treats are also available at 10 locations in Vance County, three in Mecklenburg County, Virginia, and one in County Durham.

Allen is working on plans to deliver a new cookie flavor just in time for fall, and hopes to start selling cookie dough in containers soon.

She gave a number of Warren County resources, including the Economic Development Office and local government officials, the advice she needed to start her business. Allen advised potential entrepreneurs to use these resources and seek advice from store owners and salespeople.

“A lot of people don’t realize the resources we have here to help them get started,” she said. “You can get advice from a lot of people right here in Warren County.”

Allen continues to work on his dream of helping local students attend college. Next year, she expects to be ready to award a scholarship to local students.

Allen would consider this a sweet success indeed.

For more information on Sweet Delights Cookies, LLC or to place an order call 252-204-0345, email denihallen12657@gmail.com, visit sweetdelightscookiesllc.com, or find the business on Facebook (Sweet Delights Cookies) or Instagram @sweet_delightcookies.

Remaining summer reading program Activities

There is still time for people of all ages to read books and enjoy a number of special activities during the library’s summer reading program:

Week 8

August 4: 10:30 a.m .: Preschool Stories (facebook.com/warrencountymemoriallibrary/live)

Aug 5: 10: 00am: I can read chapter books (facebook.com/warrencountymemoriallibrary/live)

August 7: 10:30 a.m .: Terrific Toddler Tales (facebook.com/warrencountymemoriallibrary/live)

Week 9

August 10: 10:30 a.m .: CheckersTV virtual program (facebook.com/warrencountymemoriallibrary/live)

Aug 11: 10:30 a.m .: Preschool Stories (facebook.com/warrencountymemoriallibrary/live)

Aug 12: 10:30 a.m .: I can read chapter books (facebook.com/warrencountymemoriallibrary/live)

August 13: 10:30 a.m. Terrific Toddler Tales (facebook.com/warrencountymemoriallibrary/live)

Week 10

Aug 16: 3 p.m. Teen Anime and Manga Book Club (tinyurl.com/WCMLAugAnime2; Meeting ID: 854 4910 0425; Password: 491493

August 17: 10:30 a.m .: CheckersTV virtual program (facebook.com/warrencountymemoriallibrary/live)

August 18: 10:30 a.m .: Preschool Stories (facebook.com/warrencountymemoriallibrary/live)

Aug 19: 10:30 a.m .: I can read chapters (facebook.com/warrencountymemoriallibrary/live)

Aug 21: 10:30 a.m .: Terrific Toddler Tales (facebook.com/warrencountymemoriallibrary/live)

Week 11

August 24: 10:30 a.m .: CheckersTV virtual program (facebook.com/warrencountymemoriallibrary/live)

August 25: 10:30 a.m .: Preschool Stories (facebook.com/warrencountymemoriallibrary/live)

Aug 26: 10:30 a.m .: I can read chapters (facebook.com/warrencountymemoriallibrary/live)

August 28: 10:30 a.m .: Terrific Toddler Tales (facebook.com/warrencountymemoriallibrary/live)

Aug 30: 3 p.m .: Teen Anime and Manga Book Club (tinyurl.com/WCM:AugAnime3; meeting number: 882 8722 3215; password: 319592)

August 31: 10:30 p.m .: CheckersTV virtual show (facebook.com/warrencountymemoriallibrary/live)

The final, with the live Summer Reading Prize draws, will take place at 11 a.m. on Tuesday, August 31. facebook.com/warrencountymemoriallibrary/live.


Source link

]]>
https://fallensouffle.com/cookie-business-brings-sweet-success-to-local-entrepreneur-new/feed/ 0
The sisters of New Bedford in Brooklyn launched their business “Twins that Cook” https://fallensouffle.com/the-sisters-of-new-bedford-in-brooklyn-launched-their-business-twins-that-cook/ https://fallensouffle.com/the-sisters-of-new-bedford-in-brooklyn-launched-their-business-twins-that-cook/#respond Fri, 06 Aug 2021 08:00:34 +0000 https://fallensouffle.com/the-sisters-of-new-bedford-in-brooklyn-launched-their-business-twins-that-cook/ NEW BEDFORD – 31-year-old twins Maya and Aria Christian from New Bedford caused a storm in their Brooklyn, New York kitchen during the pandemic. Now their “cookies with a positive message” have become a worldwide hit. “It’s pretty amazing and it happens so fast,” Aria said. “And we’re very thankful for where we are right […]]]>

NEW BEDFORD – 31-year-old twins Maya and Aria Christian from New Bedford caused a storm in their Brooklyn, New York kitchen during the pandemic. Now their “cookies with a positive message” have become a worldwide hit.

“It’s pretty amazing and it happens so fast,” Aria said. “And we’re very thankful for where we are right now.”

Maya and Aria started their business, “Twins who cook», During the pandemic. “We’ve always cooked, it’s always been our thing. We just have a very deep love for it, ”said Maya.

Originally, they created an Instagram page to share with friends all the food they prepared during the pandemic. The page quickly went viral, ultimately leading to a partnership with a Brooklyn Ice Cream Shop, Lady Moo Moo.

Maya and Aria Christian, co-founders of Twins That Cook, thank New Bedford for supporting their business.

“She contacted us and said, ‘I heard you were baking cookies with someone, and I looked on your Instagram, and they look amazing, I would love to try them.” , said Maya.

Fancy a late night snack? Launch of Let’s Get Baked cookie delivery in New Bedford

Fast forward to summer 2020, the twins began baking cookies for Moo Moo’s ice cream sandwiches. “It started with trying to make people happy in their 40s and inspire them to cook – not order – to become an LLC now,” added Maya, who also owns a jewelry line called, Maya Taylor Rubin.

A fun twist on selling cookies

Twins that Cook is all about their “positive energy” brand message. The theme is empowerment and making people smile. “We wanted it to be witty and cookies to be fun and for people to remember,” Aria said.

Aria, a singer who has also been riding the “music wave” across town, says every cookie has a connection to the music. For example, the espresso cookie, “Espresso Yourself,” is named after Madonna’s song, “Express Yourself” and their champagne lemon poppy frosting cookie, “Champagne Poppy,” is named after Drake’s Instagram handle. , Champagne Papi.

Throughout the year, Maya and Aria garnered national attention with posts such as Hypebeast and Today’s show.

“I think last summer, with Black Lives Matter and everything that happened, it opened people’s eyes to be more willing to support a small business rather than a big consumer,” he said. said Aria. “And by supporting a small business, you have a more personal connection to it. “



Source link

]]>
https://fallensouffle.com/the-sisters-of-new-bedford-in-brooklyn-launched-their-business-twins-that-cook/feed/ 0
Best installment loans for bad credit August 2021 https://fallensouffle.com/best-installment-loans-for-bad-credit-august-2021/ https://fallensouffle.com/best-installment-loans-for-bad-credit-august-2021/#respond Wed, 04 Aug 2021 07:00:00 +0000 https://fallensouffle.com/best-installment-loans-for-bad-credit-august-2021/ To improve Ideal For Bad Credit Debt Consolidation Installment Loans 5.94 – 35.47% Personal loans granted through Upgrade have APRs of 5.94% to 35.47%. All personal loans have an origination fee of 2.9% to 8%, which is deducted from the loan proceeds. The lower rates require automatic payment and direct repayment of part of the […]]]>

To improve

Ideal For Bad Credit Debt Consolidation Installment Loans

5.94 – 35.47%

Personal loans granted through Upgrade have APRs of 5.94% to 35.47%. All personal loans have an origination fee of 2.9% to 8%, which is deducted from the loan proceeds. The lower rates require automatic payment and direct repayment of part of the existing debt. For example, if you received a loan of $ 10,000 with a term of 36 months and an APR of 17.98% (which includes an annual interest rate of 14.32% and a one-time setup fee of 5%) , you will receive $ 9,500 in your account and have a required monthly payment of $ 343.33. Over the life of the loan, your payments would total $ 12,359.97. Your loan’s APR may be higher or lower, and your loan offers may not have multiple terms available. The actual rate depends on credit rating, credit history, length of loan, and other factors. Late payments or subsequent charges and fees can increase the cost of your fixed rate loan. There are no fees or penalties for early repayment of a loan. Personal loans issued by Upgrade lending partners. Information on Upgrade Lending Partners is available at https://www.upgrade.com/lending-partners/. Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day after completing the necessary verifications. The availability of funds depends on how quickly your bank processes the transaction. From the time of approval, funds should be available within four (4) business days. Funds sent directly to pay off your creditors can take up to 2 weeks to clear, depending on the creditor.

$ 1,000 – $ 50,000

560

Universal Credit

Universal Credit

on the Universal Credit website

Best For Bad Credit Installment Loans With Credit Building Tools

8.43 – 35.43%

Personal loans granted through Universal Credit have APRs of 8.93% to 35.93%. All personal loans have a creation fee of 4.25% to 8%, which is deducted from the loan proceeds. The lower rates require automatic payment and direct repayment of part of the existing debt. For example, if you received a loan of $ 10,000 with a term of 36 months and an APR of 27.65% (which includes an annual interest rate of 22.99% and a one-time setup fee of 6%) , you will receive $ 9,400 in your account and you would have a required monthly payment of $ 387.05. Over the life of the loan, your payments would total $ 13,933.62. Your loan’s APR may be higher or lower, and your loan offers may not have multiple terms available. The actual rate depends on credit rating, credit history, length of loan, and other factors. Late payments or subsequent charges and fees can increase the cost of your fixed rate loan. There are no fees or penalties for early repayment of a loan.

$ 1,000 – $ 50,000

580

Reached

Reached

Ideal for bad credit installment loans for borrowers with poor credit history

6.95 – 35.99%

The full range of rates available vary by state. The average 3 year loan offered by all lenders using the Upstart platform will have an APR of 24.4% and 36 monthly payments of $ 36 per $ 1,000 borrowed. There is no deposit or early repayment penalty. The average APR is calculated based on the 3-year rates offered in the last month. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.

$ 1,000 – $ 50,000

580

Point Ready

Point Ready

on the LendingPoint website

Best For Bad Credit Installment Loans With Quick Funding

15.49 – 35.49%

The approval of the loan is not guaranteed. Loan offers and actual loan amounts, terms and Annual Percentage Rates (“APRs”) may vary depending on how LendingPoint’s proprietary underwriting and scoring system examines your credit, situation. financial, other factors and supporting documents or information you provide. Original or other charges of 0% to 6% may apply depending on your state of residence. Upon LendingPoint’s final underwriting approval to fund a loan, said funds are often sent via ACH on the next non-holiday business day. LendingPoint offers loan offers from $ 2,000 to $ 25,000, at rates ranging from a minimum APR of 15.49% to a maximum APR of 34.99%, with terms of 24 to 48 months.

$ 2,000 – $ 25,000

600

Main

OneMain Financial

on the OneMain Financial website

Ideal for secured or co-signed bad credit installment loans

18.00 – 35.99%

Not all applicants will be eligible for larger loan amounts or better loan terms. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and the availability of collateral). Larger loan amounts require a first lien on a motor vehicle less than ten years old, which meets our value requirements, titled in your name with valid insurance. The maximum annual percentage rate (APR) is 35.99%, subject to state restrictions. APRs are generally higher on unsecured vehicle loans. Depending on the state in which you open your loan, the origination fee can be either a fixed amount or a percentage of your loan amount. Lump sums vary by state, ranging from $ 25 to $ 300. Percentage-based fees vary by state, ranging from 1% to 10% of your loan amount, subject to certain state limits on the amount of fees. Active duty military personnel, their spouses or dependents covered by the Military Loans Act cannot pledge a vehicle as security for a loan. OneMain loan proceeds cannot be used for post-secondary education expenses as defined by CFPB Regulation Z, such as college, university or professional expenses; for commercial or commercial purposes; buy securities; or for gambling or illegal purposes. Borrowers from these states are subject to these minimum loan amounts: Alabama: $ 2,100. California: $ 3,000. Georgia: Unless you are a current customer, a minimum loan amount of $ 3,100. Ohio: $ 2,000. Virginia: $ 2,600. Borrowers (other than current customers) in these states are subject to these maximum unsecured loan amounts: North Carolina: $ 7,500. New York: $ 20,000. An unsecured loan is a loan that does not require you to provide collateral (like a motor vehicle) to the lender.

$ 1,500 – $ 20,000

Nothing

The average score is 600 – 650

Opportune

Opportune

Best for Bad Credit Installment Loans No Credit Score Required

27.74 – 35.95%

Loans subject to credit approval and may include set-up costs. Monthly payment options may not be available; Bi-weekly and bi-weekly payment options are standard. For example, a $ 5,000 loan in California would have 66 bi-monthly payments of $ 119 over 30 months at an APR of 37.6%. Conditions may vary by applicant and state and are subject to change. To apply you must be at least 18 years old, reside in our service area (AZ, CA, FL, ID, IL, MO, NJ, NM, NV, TX, UT and WI) and not have applied for a loan with us in the past 90 days. Although a credit history is not required to qualify, Oportun will request and consider credit checks for all applicants. California Loans made under California Financing Law License. For loans made in other states and for other information, visit oportun.com, which includes our state licenses. This is an ad for a consumer loan. © 2020 Oportun, Inc. All rights reserved.

$ 300 – $ 10,000

Nothing


Source link

]]>
https://fallensouffle.com/best-installment-loans-for-bad-credit-august-2021/feed/ 0
Low Mortgage Loan Services Launched In UK For Home Renovations https://fallensouffle.com/low-mortgage-loan-services-launched-in-uk-for-home-renovations/ https://fallensouffle.com/low-mortgage-loan-services-launched-in-uk-for-home-renovations/#respond Wed, 04 Aug 2021 00:18:28 +0000 https://fallensouffle.com/low-mortgage-loan-services-launched-in-uk-for-home-renovations/ Professional mortgage advisor Polar Mortgages has announced the launch of its recently updated home improvement refinance services for UK clients. London, UK – August 3, 2021 / PressCable / – London-based professional mortgage advisor Polar Mortgages has announced the launch of its updated home improvement refinance services. The company does not charge any advisory, arrangement […]]]>

Professional mortgage advisor Polar Mortgages has announced the launch of its recently updated home improvement refinance services for UK clients.

London-based professional mortgage advisor Polar Mortgages has announced the launch of its updated home improvement refinance services. The company does not charge any advisory, arrangement or evaluation fees.

For more information, visit the website at https://www.polarmortgages.co.uk

The recently updated services strive to help individuals find suitable options to finance their home improvement projects despite their bad credit.

Polar Mortgages goes on to explain that different types of loans are needed for different levels of home improvement. For large developments, like a new kitchen or a new loft, they usually suggest remortgage. For smaller projects, however, an unsecured loan may be a better option.

Polar Mortgages offers a simplified and easy-to-understand counseling method. Clients simply fill out a form with specific details about the type of loan they are looking for and the type of home improvement they are considering. The company then looks at the details and applies their years of experience to find the ideal loan options.

The customer can then go through the options and choose what works best for them. There is no obligation to proceed with the request. However, if the client wishes to go ahead with the loan, Polar Mortgages will take care of obtaining all the required documents.

Whether a client is looking to renovate their home and increase its value before selling or just improve the family home they live in, Polar Mortgages aims to help them secure the funds needed to achieve their goals.

Polar Mortgages addresses a range of remortgage reasons, including missed mortgage payments, bankruptcy, debt management plans, and foreclosures. They have a high approval rate and there are various reasons for their clients to remortgage.

A spokesperson for the company said: “To use an old English proverb, ‘When there is a will, there is a way.’ This is Polar Mortgages’ approach to refinancing, and we would like to show you the way to successfully remortgage your property.

For more information, those interested can visit https://www.polarmortgages.co.uk/remortgage-for-home-improvements

Contact information:
Name: Neil Bryant
E-mail: Send an email
Organization: Polar Mortgages
Address: 71-75 Shelton Street West End, London, England WC2H 9JQ, United Kingdom
Phone: + 44-20-3129-4573
Website: https://www.polarmortgages.co.uk/

Source: PressCable

Version number: 89039933

comtex tracking

COMTEX_390883162 / 2773 / 2021-08-03T20: 00: 52


Source link

]]>
https://fallensouffle.com/low-mortgage-loan-services-launched-in-uk-for-home-renovations/feed/ 0
Gibson Dunn | Gibson Dunn named 2021 Texas Powerhouse by Law360 https://fallensouffle.com/gibson-dunn-gibson-dunn-named-2021-texas-powerhouse-by-law360/ https://fallensouffle.com/gibson-dunn-gibson-dunn-named-2021-texas-powerhouse-by-law360/#respond Mon, 02 Aug 2021 19:51:47 +0000 https://fallensouffle.com/gibson-dunn-gibson-dunn-named-2021-texas-powerhouse-by-law360/ August 2, 2021 Law360 named Gibson Dunn a 2021 Texas Powerhouse, one of five law firms that “outperformed the competition,” “winning court victories in corporate betting litigation and dealings. foreground that reshaped the market “. Law360 noted that the company demonstrated “its penchant for innovation by convincing a Texas appeals court to overturn a record-breaking […]]]>

August 2, 2021

Law360 named Gibson Dunn a 2021 Texas Powerhouse, one of five law firms that “outperformed the competition,” “winning court victories in corporate betting litigation and dealings. foreground that reshaped the market “. Law360 noted that the company demonstrated “its penchant for innovation by convincing a Texas appeals court to overturn a record-breaking $ 740 million jury verdict on state trade secrets and advised an offer to sustainability-backed bonds, the first of its kind “. The profile was published on August 2, 2021.

Gibson, Dunn & Crutcher’s offices in Dallas and Houston provide a local presence and the resources of an international law firm to represent clients on their most important and sensitive issues, including complex commercial litigation, mergers and acquisitions, appeals, antitrust laws, intellectual property, data privacy, compensation, capital markets, labor and employment, and taxation. The Houston office opened in early 2017 and strengthened our long-term presence in Texas, which began in the early 1980s in Dallas. With a rich diversity in practice groups and business experience, Gibson Dunn is engaged in the Texas business community. The Dallas office has a wide range of clients including private equity firms, private companies and public companies, including many large Fortune 500 companies located in the Dallas-Fort Worth area and beyond. of the. The Houston office contributes to the firm’s position as a legal powerhouse in the energy, corporate and litigation fields, representing the world’s largest corporations.


Source link

]]>
https://fallensouffle.com/gibson-dunn-gibson-dunn-named-2021-texas-powerhouse-by-law360/feed/ 0
Sugar Cookie Business Becomes DeSoto County Favorite | Company https://fallensouffle.com/sugar-cookie-business-becomes-desoto-county-favorite-company/ https://fallensouffle.com/sugar-cookie-business-becomes-desoto-county-favorite-company/#respond Sun, 01 Aug 2021 05:00:00 +0000 https://fallensouffle.com/sugar-cookie-business-becomes-desoto-county-favorite-company/ Nesbit residents Dana Lochridge and Crystal Robeson channeled their creative side and decided to launch SugahLily’s Creations in 2019 and sell sugar cookies. Lochridge said the couple wanted to do something different and started with cupcakes first. “We’re both very creative people and we’re always on the lookout for something new to do,” Lochridge said. […]]]>

Nesbit residents Dana Lochridge and Crystal Robeson channeled their creative side and decided to launch SugahLily’s Creations in 2019 and sell sugar cookies.

Lochridge said the couple wanted to do something different and started with cupcakes first.

“We’re both very creative people and we’re always on the lookout for something new to do,” Lochridge said. “We started with cupcakes first, but I didn’t like it, so we decided to try sugar cookies.”

Lochridge said the process was a learning experience for the two because they had no experience with sugar cookies.

“I had never made cookies, so I ended up getting a recipe from someone and started there,” Lochridge said. “I messed up the recipe until I got it the way I wanted it. We did a lot of research and had a lot of trial and error.

Due to cottage laws, Lochridge said they don’t ship their cookies, but have had customers all the way to Jackson.

“We work under cottage laws, so all of our business is local or at least within the state,” Lochridge said. “I think the farthest we have delivered is Jackson.”

Lochridge said she enjoyed SugahLily’s creations for many reasons, but meeting new people was her favorite.

“I am a sociable person,” Lochridge said. “I love meeting new people and getting feedback. We’re always working on something new, so it’s great to hear what customers are saying about our orders.

SugahLily’s Creations was also the first local business to launch the Hot Chocolate Bomb Frenzy last winter. Hot chocolate is made from chocolate capsules that contain a mixture of hot chocolate.

“We were actually the first to start selling hot chocolate bombs,” Lochridge said. “After posting in Hernando Happenings, they just took off. ”

SugahLily’s Creations recently started making cookie cakes and offering cookie decorating kits.

“Our last item is our cookie cakes,” Lochridge said. “We make them in sugar or traditional chocolate chips. We also have craft kits for children to decorate the cookies themselves.

Customers can see Lochridge and Robeson at several local vendor markets.

“We regularly set up a table at the Landers Center flea market and participate in local markets and fairs such as the A’Fair and the Water Tower Festival in Hernando,” Lochridge said.

Lochridge said SugahLily’s designs wouldn’t be possible without all of her wonderful clients.

“We love our customers and we know the last 18 months have been tough for everyone,” Lochridge said. “Our customers continued to support us. We are very grateful to our customers for allowing us to be part of their special days. “

SugahLily’s creations can be found on Facebook. Interested customers can get more information and message them for pricing and order availability.


Source link

]]>
https://fallensouffle.com/sugar-cookie-business-becomes-desoto-county-favorite-company/feed/ 0
The best credit cards for bad credit in August 2021 – Forbes Advisor https://fallensouffle.com/the-best-credit-cards-for-bad-credit-in-august-2021-forbes-advisor/ https://fallensouffle.com/the-best-credit-cards-for-bad-credit-in-august-2021-forbes-advisor/#respond Wed, 21 Jul 2021 07:00:00 +0000 https://fallensouffle.com/the-best-credit-cards-for-bad-credit-in-august-2021-forbes-advisor/ The Discover it® Secure Credit Card comes with a great combination of features for those looking to grow their credit. The card comes with no annual fee, no account opening fee, and the card earns rewards to get started. Rewards: Get 2% cash back at gas stations and restaurants up to $ 1,000 in combined […]]]>

The Discover it® Secure Credit Card comes with a great combination of features for those looking to grow their credit. The card comes with no annual fee, no account opening fee, and the card earns rewards to get started.

Rewards: Get 2% cash back at gas stations and restaurants up to $ 1,000 in combined purchases each quarter and unlimited 1% cash back on all other purchases.

Welcome offer: Introductory Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match any Cash Back Rewards you’ve earned at the end of your first year! There is no minimum spend or maximum rewards. Just a dollar-for-dollar match.

Annual subscription : $ 0

Other advantages and disadvantages: In addition to the absence of fees common to other secure cards, Discover will examine your account from eight months to see if you qualify to switch to an unsecured account, a laudable goal with any secure card. Your security deposit earns no interest and the 2% cash back on restaurants and gas stations is capped at $ 1,000 per quarter, but it’s relatively rare to earn rewards on a secure card.

The only downside to Discover is that it isn’t widely accepted like other cards, especially overseas.

Read our full review of the Discover it® Secure Credit Card.


Source link

]]>
https://fallensouffle.com/the-best-credit-cards-for-bad-credit-in-august-2021-forbes-advisor/feed/ 0
Car buying bankruptcy and bad credit https://fallensouffle.com/car-buying-bankruptcy-and-bad-credit/ https://fallensouffle.com/car-buying-bankruptcy-and-bad-credit/#respond Wed, 21 Jul 2021 07:00:00 +0000 https://fallensouffle.com/car-buying-bankruptcy-and-bad-credit/ When you are in the middle of bankruptcy and suddenly need a car, all hope is not lost! It is possible to get an auto loan in bankruptcy (Chapter 13 and Chapter 7), although one is easier than the other. We will take a look. What bankruptcy are you in? There are processes in place […]]]>

When you are in the middle of bankruptcy and suddenly need a car, all hope is not lost! It is possible to get an auto loan in bankruptcy (Chapter 13 and Chapter 7), although one is easier than the other. We will take a look.

What bankruptcy are you in?

There are processes in place to obtain an auto loan in the event of active bankruptcy. However, the ease and likelihood of success changes depending on the chapter you filed. Generally, it is easier to get approval for a car loan in Chapter 13, reorganization bankruptcy, than in Chapter 7, liquidation bankruptcy.

If you own your vehicle for free or have a well-managed loan and equity in your car, you’re more likely to lose it in Chapter 7, where your bankruptcy trustee can sell your assets to pay off your creditors. In Chapter 13, your trustee sets up a repayment plan that you must follow, giving you time to pay off your debts, including a car loan.

No matter what chapter you are in, if you are in active bankruptcy and need a car, you need to get court clearance to incur new debt.

Getting a Chapter 7 Auto Loan on Bankruptcy

In some cases, you can get a car loan in an open Chapter 7 bankruptcy, but it depends on your lender, not all of them work with people who are in open bankruptcy. If they do, they are like a subprime lender – a lender who can work with borrowers in unique credit situations.

Even if you find a lender who authorizes auto loans in bankruptcy, you should still get permission from your trustee and make sure that you have completed your 341 creditors meeting. In many cases, lenders prefer not to work with Chapter 7 people because the process is so short, usually four to six months. When lenders give a loan to a bankrupt person, they risk selling the vehicle to pay off other debts, which can put them at a loss; not all lenders are willing to take this risk.

If the lender is willing to take the risk with you, the process is similar to obtaining a bad credit auto loan.

Financing a Vehicle During Chapter 13 Bankruptcy

Getting a Chapter 13 auto loan is an entirely different process than Chapter 7. For starters, Chapter 13 is a long process that takes three or five years. Because of the delay, lenders and the courts understand that things are coming, and you may need alternate transportation during this time.

There is a process in place that allows bankrupt borrowers to apply for financing while their file is open. The first step is to talk to your trustee and let them know that you need another vehicle. Next, you need to find a lender who works with bankruptcy. Once you’ve done that, you begin the process of filling out a sample buyer order with the reseller.

In these documents, the dealership should list all the details of the vehicle and the loan, including the words “or similar” in the description of the car, and the highest possible interest rate you may be entitled to. The “or similar” designation saves you from having to start the process over from scratch if the vehicle you are considering sells before you get court approval to make the purchase.

Once you have completed the documents, you take them to your trustee, who then files a petition for debt with the court. This procedure can take a little time, so you may not know right away whether you can finance another car or not. If you are approved, then you can return to the dealership with the documents proving you are in order and take delivery of the vehicle.

Ready to find a car dealership near you?

If you need a new vehicle but don’t know where to turn due to bankruptcy, look no further. TO Auto Express Credit, we work with an extensive network of dealers across the country that help borrowers who have damaged their credit, including those in active bankruptcy. Let us do the legwork for you by matching you with a dealership in your area.

To get started in the comfort of your own home or on the go, simply complete our quick and free auto loan application form.


Source link

]]>
https://fallensouffle.com/car-buying-bankruptcy-and-bad-credit/feed/ 0
How To Get A Debt Consolidation Loan If You Have Bad Credit https://fallensouffle.com/how-to-get-a-debt-consolidation-loan-if-you-have-bad-credit/ https://fallensouffle.com/how-to-get-a-debt-consolidation-loan-if-you-have-bad-credit/#respond Wed, 14 Jul 2021 07:00:00 +0000 https://fallensouffle.com/how-to-get-a-debt-consolidation-loan-if-you-have-bad-credit/ Editorial independence We want to help you make better informed decisions. Certain links on this page – clearly marked – may direct you to a partner website and earn us a referral commission. For more information, see How we make money. It’s easy to get burdened with high interest rate debt, in particular. If you […]]]>

We want to help you make better informed decisions. Certain links on this page – clearly marked – may direct you to a partner website and earn us a referral commission. For more information, see How we make money.

It’s easy to get burdened with high interest rate debt, in particular. If you have debts from multiple lenders. In order to stay afloat, you can make monthly payments that only cover interest, making virtually no progress towards paying off the principal balance.

But there is a way forward. Debt consolidation is a strategy that combines multiple debts into one payment at a lower interest rate, which can help you get out of debt faster. “If you have high interest debts under different accounts, consolidation is your best option,” explains Michel Foguth, founder of Foguth Financial Group, a Detroit-based financial planning firm.

Pro tip

If you are looking to take full advantage of debt consolidation loans, shop around.

One option is a debt consolidation loan, which is a type of personal loan issued to pay off debts. You then make payments on that loan instead of multiple creditors. But to get the best loan rates, you must have good credit.

Debt Consolidation Loan Alternatives

A debt consolidation loan can be the best solution for managing multiple high interest debts. However, this option is not available to everyone, especially when you have poor credit. If you have bad credit, you can work on improving your credit before you consolidate your debt. There are also other alternatives to a debt consolidation loan.

1. Negotiate with lenders

One option is to contact your lenders and negotiate to reduce the interest you pay on each debt. It may seem like a far-fetched scenario, but if you have a good repayment history, lenders will be more than willing to work with you to keep you.

2. Credit counseling

You can usually find free or low-cost credit counseling service from a non-profit organization. Emphasis is placed on education and capacity building in debt management. Credit counseling can also help break bad debt habits and establish a foundation of financially healthy behaviors to help prevent future debt scenarios. the National Foundation for Credit Counseling is a great place to start your research.

3. Bankruptcy

If your debt is completely unmanageable, you’re struggling to keep up with your bills, and finding other options to consolidate, negotiate, or settle your debts with lenders doesn’t work, you may want to consider bankruptcy as a last resort. Bankruptcy is considered an extreme measure and an option of last resort, as it will remain on your file until 7 or 10 years, depending on the type of bankruptcy you are filing.

How To Get A Debt Consolidation Loan With Bad Credit

A credit score of 720 or better is best in order to get great rates and terms on a debt consolidation loan, according to Foguth. If your FICO score is below 600, it can be difficult to qualify for debt consolidation loans. A score below 580 is considered bad credit, according to the credit reporting company Experian, which will make it more difficult to qualify for this type of loan. Because the goal is to get a lower interest rate, you want to increase your chances of getting good loan terms.

Applying for a loan when you are sure you are approved is the ideal situation, as refusing a loan can have a negative effect on your credit score.

Here are some steps you can take to position yourself to get approved for debt consolidation loans.

1. Check your credit score and examine your credit report

You can get a good understanding of your creditworthiness if you check your credit score and examine your credit report. You can get a free copy of your credit report at annualcreditreport.com. Doing this in advance will help you avoid surprises when applying for a loan. When you review your credit report, identify any items that negatively affect your credit, such as errors. You can dispute any discrepancy by contacting the assessment agency with supporting documents.

2. Pay your debt on time

Financial institutions want to grant loans to customers with a good payment history. Paying your bills on time and catching up on your debt payments makes you a more attractive borrower. If you’ve missed a payment, you can call your lender and negotiate to avoid a penalty on your credit score and save money on late fees.

3. Optimize your current credit

Ideally, you should keep your debt ratio below 40%. For example, if you have a $ 1,000 credit limit, don’t carry more than $ 400 on that card, Foguth said. This suggestion applies to all of your lines of credit. One tactic is to work to get your debt ratio below 40% before applying for a debt consolidation loan. Additionally, you may want to avoid the temptation to open a new credit card. It is not wise to apply for new credit if you are considering consolidating your loans, as it will likely have a negative impact on your credit score.

4. Get a co-signer

If you have a family member or friend with good credit ready to co-sign a debt consolidation loan, this is an option to consider. By adding their name to the application, you will benefit from their good credit history. However, there is a significant downside. If you don’t pay off your loan on time every month, their credit score will suffer. Make sure your family member understands what’s at stake before you co-sign, and you need to be prepared to commit to paying your bills on time until the loan is over.

Where To Get A Debt Consolidation Loan With Bad Credit

When you are ready to apply for a debt consolidation loan, it pays to be prepared. You will need to provide information regarding your various debts, interest rates and loan terms.

Banks, credit unions and other financial institutions offer several options for debt consolidation loans. It is important to shop around for the lowest interest rate and the best deal for your situation. “Don’t settle for the first offer you get,” Foguth said. “If you have average to good credit, you’re in charge; take it to your advantage. If you have bad credit, consider improving your credit before applying for a debt consolidation loan.

1. Brick and mortar locations

Going to multiple physical locations to find a loan can be time consuming. But investigating your options in person will prevent your information from being widely shared with other institutions. If you have a good relationship with your current bank, this is a great place to start. You can then visit other places to get more deals before you make a decision.

2. Online destinations

Buying online for a loan is convenient. It gives you a greater number of institutions to consider for your debt consolidation loan and can sometimes offer lower rates. However, this method carries the risk that your information will be shared with other companies beyond your control. “The Internet is great for shopping, but businesses will sell your information. As a result, you will receive multiple calls. If that’s right for you, this might be the best option for you, ”Foguth said.

How to handle debt consolidation

Once your debt consolidation loan is approved, your debt will be under one institution. This should make it easier to keep track of your bills, but you’ll still need to take proactive steps to manage your loan.

1. Create a budget

To take advantage of debt consolidation to pay off your debts, you have one major obligation: make payments on time and in full every month. If you’re worried about falling behind, it can be helpful to include the minimum payment amount as a cornerstone of your overall monthly budget. You will avoid guessing where this money will come from and you will be able to pay off your debt on a consistent basis.

2. Track your spending

Reviewing your spending on a weekly or monthly basis can help you stay on budget. It also helps identify patterns and behaviors such as overspending in a specific area, allowing you to adjust your spending in the future.

3. Configure automatic payment

Paying your bills on time will help improve your credit score. Missing a payment will likely cause the interest rate to rise, negating the benefits of debt consolidation – and you want to prevent that from happening. You can set up automatic payment to transfer the loan repayment amount each month (the ideal time for this transfer would be right after you receive your income) and this consistent habit can help you get your debt under control.

4. Pay more than the minimum payment

If that’s an option for you, paying more than the minimum payment owed on your loan will help you pay off debt faster and save money on interest charges in the long run. Even if it’s not within your financial means to do it every month, all the money put on your loan beyond the minimum payment will benefit you.


Source link

]]>
https://fallensouffle.com/how-to-get-a-debt-consolidation-loan-if-you-have-bad-credit/feed/ 0