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Garden of the week: Le Torridon, Wester Ross

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Why we should visit

The far North West of Scotland is far from it all, but reaching it is worth the trip as the scenery is breathtaking. The further north you venture, the more wild the landscape becomes until it feels like the world has been reduced to the basic elements of water and stone.

The lighthouse at the end of this road is The Torridon, a five-star resort that offers luxury and comfort amidst the grandeur of a landscape where the mountains are formed from some of the oldest rocks in the world.

This grand Victorian design, located on the edge of Upper Loch Torridon, has turrets on the exterior and interior styling that combines original features and contemporary flair.

History of the garden

The Torridon Garden sits a bit away from the hotel itself and has been a productive space since the magnificent mansion was completed in 1887 as a hunting lodge for William King-Noel, the first Earl of Lovelace and husband of Ada Lovelace, daughter of Lord Byron, who is now recognized as the world’s first computer scientist.

Creating a garden in this extreme landscape involved bold measures and therefore the Earl of Lovelace brought the land by boat from Ireland, but even today the bedrock still poses problems for the head gardener. Bryony Doig, who took over the garden in February.

Previously, she ran a vegetable garden in Edinburgh which supplied produce to three upscale restaurants and, under her responsibility, the garden increased the amount of fresh produce it now supplies to the famous hotel restaurant.

The garden covers two hectares and includes two tunnels where fruits and vegetables are grown all year round.

There is an orchard and a large area devoted to red fruits, as well as a wet garden that Bryony intends to develop.

Strong points

Alongside the rows of fresh vegetables and the apples, cherries and quinces currently ripening in the orchard, one of the most decorative parts of this productive space is the Gin Garden, which showcases botanical ingredients, picked from the hills. around the Torridon Resort, which made it possible to create the hotel’s own label, Arcturus Gin.

Gin takes its name from a giant red star visible from Earth to the naked eye. It is at its peak that it encourages the annual rut of the deer and it is said that the hinds cannot conceive until the rising of Arcturus.

In the Arcturus Garden, with its star-shaped basin, guests can pick their own cocktail herbs.

Do not miss

Tomatoes in the tunnel. They grow to an extravagant size thanks to the long daylight hours at Wester Ross. Here in the height of summer it never gets really dark and the result is that the plants act as if they are on steroids, growing bigger and faster than they would further south.

And it’s not just the vegetables that get carried away, the flowers that are grown as cut flowers for the hotel produce an unbroken succession of flowers.

Something else to watch out for

The gardens are part of the larger estate which includes the Torridon farm, which also produces food for the resort. The Highland Cattle herd eats the kitchen fruit and vegetable peelings and produces a supply of manure that helps fertilize the gardens. The farm is also home to Tamworth pigs, a rare breed loved for its flavor.

Meanwhile, trails that start from the garden lead along the shore and up into the surrounding hills.

Best time to visit

In summer, when the days are long and the northwest is frequently bathed in sunshine, the garden is the most beautiful and productive. It is a time of plenty, the raspberries and currants ripen in the sun and the fruits begin to swell in the orchard.

All recommendations in the region

Follow the narrow road that winds west along the crenellated shores of Loch Torridon until you reach the Atlantic coast and the sandy beach of Applecross. This magnificent stretch of golden sand is not only a perfect place for a picnic or snorkeling, it is also an important archaeological site and evidence of human habitation suggests that the local population collected seashells on this beach there. over 7,500 years ago. .

The beach is also a lookout post for the Royal Navy and in addition to the seals, porpoises and, occasionally, whales that can be sighted in these waters, you can occasionally spot a submarine sneaking through the channel between the mainland and the island of Raasay.

directions

From Inverness, cross the Kessock Bridge, then head west 60 miles, past Conon Bridge and Achnasheen, until you reach Upper Loch Torridon.

Details

The gardens are open daily and are free to visit.

Phone. : 01445 791242

Www.the Torridon.com

In association with Discover Scottish Gardens. See www.discoverscottishgardens.org.

Despite the Atlantic storms and rocky terrain, the northwest of Scotland is home to a unique collection of remarkable gardens and the most famous of these is Inverewe, which sits on a rocky promontory overlooking Loch Ewe.

Famous for its lush plantations and curving walled garden, Inverewe was the vision of one man, Osgood MacKenzie, who 150 years ago began planting important soils and trees.

Today, these trees form the vital shelterbelt that protects the garden from the almost incessant wind, allowing all kinds of rare and tender plants to flourish.

Tree ferns, palm trees and a huge collection of South African natives thrive in the mild climate and clean air, and the forests are filled with moisture-loving species such as Astilbe and Ligularia.

From one of the densest parts of the garden, visitors emerge onto a vantage point overlooking the loch and from there it is possible to get a glimpse of the 15-year efforts it took to establish a huge garden on what was a treeless outcrop. The soil was transported by boat to provide the foundation on which the plants would grow and throughout his life Osgood MacKenzie continued to refine his vision, with his legacy being carried on by his daughter Mairi Sawyer, who added her own cachet to the garden before finally passing it on to the care of the National Trust for Scotland.

With the lapping water on its edge and the mountains as a backdrop, Inverewe enjoys one of the most spectacular settings of any garden in Scotland.

Look for red squirrels in the trees and sea eagles in the sky, and take time to visit the Sawyer Gallery, adjacent to Inverewe House, with its beautiful collection of contemporary art. There is also a cafe and visitor center which can provide up-to-the-minute information on events in the garden and a guided walk with the gardeners.

Inverewe Gardens

Poolewe, Wester Ross IV22 2LG

Phone. : 01445 781200

Email: inverewe@nts.org.u

www.nts.org


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Comics that could be worth £ 2.5million as Dennis threatens her 70th birthday

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Some old comics can be worth huge sums of money, so check if you have a gold mine on your shelf – because even worn copies could still be worth a bomb

The first annual edition of Beano will set you back £ 4,000

Dennis the Menace is one of the most beloved children’s characters of all time – but now, as the character turns 70, are you sitting on an old comic book worth millions of pounds?

Dennis, along with his dog Gnasher, are the rebellious main characters in the Beano comic book – first launched on July 30, 1938, with the duo appearing in 1951.

The Beano is now the oldest British comic book of all time.

It has released editions every week since its launch, except during World War II – where shortages of paper and ink forced him to alternate editions with his comedic sister, the Dandy.

But older editions of these British comics can be worth a lot of money.

The most valuable currently on sale is the second edition of the Dandy from 1937, famous for its main character, Desperate Dan.

It’ll set you back £ 6,993.87 – even for a used copy.








This second edition of the Dandy costs more than most cars
(

Picture:

Ebay)




The listing admits the comic is “discolored and dirty,” and even has worn edges with chunks torn off.

The comic book list is very valuable because it includes a jumping frog toy that was given with it as a free gift.

The award also reflects the fact that the Dandy is no longer in print, having published its last issue in December 2012.

Another gold mine is the very first edition of Beano, published in 1939. It is on sale for £ 4,000 on the auction site eBay – and even this one is showing signs of wear.

The unique back issues of the June 1939 Beano recently sold for up to £ 595 on eBay, so the price of £ 4,000 for the annual isn’t as high as it looks.








The first annual Beano was published in 1940, despite the rationing of paper and ink
(

Picture:

Ebay)











Batman’s first appearance cost £ 10 back then – and £ 2.5million now
(

Picture:

Ebay)




But even the biggest Beano and Dandy fans will admit that British comics lack the international appeal of their superhero rivals, especially those from the United States.

The likes of Superman, Batman, and Spiderman are known around the world – and this is reflected in the prices of older comics where they were first shown.

The first comic book featuring Batman, for example, will set you back $ 3.5million – roughly £ 2.5million.








You’ll need a heroic bank balance to get yourself the first Superman comic
(

Picture:

Ebay)




The comic was first published in May 1939 and has been restored as it would have been when new.

This includes touching up color, repairing cracks, and cleaning staples.

While the price tag might sound crazy, these comics really do sell for so much.

In April, the same comic sold for $ 3.25million (£ 2.8million at the time).

It is believed that there are only 100 issues left of the first Superman comic book, which adds to its value.

The company which sells one for £ 2.5million says bidding wars are expected, and even minimum bids for its expensive comics start at half the advertised sale value.

The comic with the first appearance of Superman and his girlfriend Lois Lane is also yours for £ 2.5million.








One of the new Beano stamps celebrating Dennis the Threat’s birthday
(

Picture:

PENNSYLVANIA)




The listing indicates that the artwork was managed by Joe Shuster and Fred Guardineer, and the story by Jerry Siegel.

If your budget is under £ 2.5million, you can always buy Beano postage stamps instead.

The Royal Mail is launching a set of 10 Dennis the Threat stamps to mark his birthday, which will set you back £ 13.65.





Great artists Japan lays the groundwork to join the rugby elite

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Once upon a time there was France. Often it’s the All Blacks. Very often it is Fiji. For a while it was Argentina. But, since the last World Cup, it’s Japan. The Brave Blossoms have become the great artists of the game.

Japan is also important, as the international elite lacked variety. Since France became the eighth member of what is now World Rugby’s board in 1978, only Italy and Argentina have become full members, and their progress on the pitch has been mixed.

World Rugby was vindicated by its decision to award the 2019 World Cup, but they and the world game need Japanese rugby to capitalize on that success if they are to dine at the first table.

It is essential for that to have more matches like those last Saturday against the Lions and today against Ireland.

“Absolutely,” said Robbie Deans, Panasonic Wild Knights coach in the Top League since 2014. “They have a decent schedule this year, but they just need to keep doing it. These guys are going to grow naturally like they have throughout the Top League, but it’s about continuing to expose them.

Former Australia head coach Robbie Deans has led the Panasonic Wild Knights in the Top League since 2014. Photo: Dan Mullan / Getty Images for Barbarians

To that end, Japan is returning to the Northern Hemisphere later this year, and The Irish Times understands that they have been lined up to complete Ireland’s fall schedule as well as games against the United States in Las Vegas, in New Zealand and Argentina, which means a return visit to the Aviva. Good product.

Fortunately, too, their domestic game is getting stronger, according to Deans, who is in a good position to judge. A former All Blacks fullback who had a brilliant coaching career with Canterbury, Crusaders (five Super Rugby titles) and Wallabies, five weeks ago he guided the Wild Knights to their fourth Top League title under his leadership by beating rivals Suntory Sungoliath, who had Eddie Jones as a consultant and Beauden Barrett at outhalf, by 31-26.

“I’ve lost two finals to them already and won two as well, but you tend to remember which ones you lose,” Deans said wryly. Speaking to the Irish Times from his home in north Canterbury, he and his wife Penny have been there for a month, including two weeks in quarantine, after two uninterrupted years in Japan.

He’s not complaining. “We went [Japan] for a few years and we’re still here. They have three children, Sam, Annabel and Sophie, all based in Sydney, where they will all reunite in September for Annabel’s wedding.

This year’s Top League was way above the level of anything that has happened before and it will continue. There’s a lot more depth now

In this year’s Top League, there were over 150 foreign-born players, with New Zealand providing 41% of them, including seven from their World Cup squad. Six from the winning South African squad also played there, as did former Irish Under-21 player Paddy Butler, with Yamaha Jubilo.

Teams operate on a quota, with only five foreign players (defined as non-Asian passport holders) allowed on a match day squad, of which only three can be on the pitch at a time.

Twelve of the 16 clubs had head coaches abroad. Among the eight New Zealanders were Deans, Todd Blackadder, Mike Cron and Cory Brown. Wayne Smith and Steve Hansen are on Kobe and Toyota’s payrolls as directors of rugby respectively, Eddie Jones holds a similar position as a consultant at Suntory, while Michael Cheika will do the same for NEC Green Rockets of the year. next. In addition, there are 23 foreign assistant coaches in the 16 clubs, including 15 Kiwis.

Until now, the competition has been semi-professional, with most of the employees of the Japanese players’ company, and therefore jobs around their rugby commitments. Next season will see a rebranded, fully professional league.

Anyway, “the level is good” according to Deans, “and that’s not something you would have said five years ago. This year’s Top League was way above the level of anything that has happened before and it will continue. There is a lot more depth now. There are really half a dozen teams capable of fighting and winning the “comp” which, again, was not the case five years ago.

“In terms of physics, there is a lot more work to be done now. Eddie [Jones] was probably the first to focus on gym work in order to make Suntory and then the Brave Blossoms more physically competitive internationally.

Deans also cites the large number of former international coaches and the Sunwolves’ four-year stint in Super Rugby.

“While it was not a success in itself, it was successful in that they brought back learnings and habits that are transferred to their own teams. “

Robbie Deans on Japan's Rugby World Cup victory over Ireland:

Robbie Deans on Japan’s Rugby World Cup victory over Ireland: “I knew it was a possibility. I knew they would play out of their skin and if they sniffed they would be hard to sniffle. deny. Photograph: Ashley Western / MB Media / Getty Images

Therefore, Deans was not surprised by Japan’s victories over Ireland and Scotland in the World Cup.

“I knew it was a possibility. I knew they would play out of their skin and if they sniffed they would be hard to deny because they had enough in the squad, enough X factor, enough skill and they would be able to play to the beat. he is authorized to do so.

“There was an element of surprise in Brighton,” he adds, referring to Japan’s even more astonishing victory over the Springboks in the 2015 World Cup “and there was again some surprise at the level at which they were able to play.

“This bubble has indeed burst now, but the other point of difference now is that there is more depth. There are more players coming to streaming, and Jamie [Joseph] will have selection challenges before 2023.

“The group will evolve out of necessity and if it makes these decisions in a timely manner and exposes the next generation to the experience it needs, then it will be perfectly capable of taking it to another level.”

Deans says the Top League is now “pumping the players up” and while he would never take credit for it, the Wild Knights have provided seven members of the Japanese World Cup squad and have seven players in the game. current team.

Queensland-born backrower Jack Cornelsen, who qualified by residence in November last year and made his debut against the Lions on the bench, is one example. His father Greg scored four tries against the All Blacks at Eden Park in 1978 and Cornelesen credits Deans with improving the timing and lines of his running game, things he had never thought of before.

“He’s a very good player. He has DNA from his old man Greg and Kiwi DNA from his mother Leslie, so you have a really good player, ”laughs Deans.

“He will adapt easily to this level. He is a remarkable athlete, he is intelligent and skilful. He’s got a real frame, ”adds Deans, a 26-year-old who weighed less than 100kg when he arrived in Japan and now weighs 110kg. “It hasn’t compromised his skills or mobility in any way, so he has everything he needs to thrive internationally, and he’s smart enough to learn quickly.”

Rikiya Matsuda, an unused replacement against Ireland in 2019, is the first Japanese outhalf to win the Top League. “He’s grown up a lot and is ready to go, and he will put a lot of pressure on Yu Tamura. But now that they have a real option, it’s powerful for them.

Another who made his bench debut against the Lions is former Highlanders 30-year-old Craig Millar. “He will handle this level with ease, as he showed last week.”

24-year-old South African Wild Knights center Dylan Riley becomes eligible in October. “He will give the midfielder another option. It will add a little starch, ”says Deans.

“Some of the old heads are going to feel the warmth of the generation of hunters who are pretty keen and excited to be part of the action.”

Deans also thinks Joseph and Tony Brown do a great job, adding, “They’ll pull the lever because they’re going to want to be successful as much as anyone.

With Ireland missing eight pick Lions and resting three more, today’s game looks like an opportunity not to be missed for Japan.

“Yes they have a chance but I think to be completely honest it will be more difficult than any Irish team they have played in recent times because there is an opportunity for those who have had it. lucky, and they know the story, so they’re not going in with their eyes closed.

“Even after playing against the Lions last week which was probably a big plus for the squad,” Deans adds, concluding with a wry chuckle: “I think Ireland have an opportunity to take a scalp which she would like thanks to their recent World Cup experience! ”


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Pereira and Quah get a nod to Tokyo, sports news and headlines

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The Singapore team’s contingent for the Tokyo Olympics rose to 23 after sprinter Veronica Shanti Pereira and swimmer Quah Ting Wen both received stamps from their places yesterday.

They will take part in the Games from July 23 to August 8 on universality places, previously called wild cards, issued by the world authorities of their respective sports.

Their inclusion makes them Singapore’s most diverse contingent at the Olympics, with all 23 athletes participating in 11 sports. Five years ago, the 25-strong Singapore squad featured in just seven sports.

While Quah, 28, has swam in two previous editions, Beijing 2008 and Rio 2016, Singapore’s fastest woman, Pereira, will bow to the sport’s biggest stage.

The 24-year-old, who holds the national records in the 100m and 200m for women, will participate in this last event in Tokyo, where she will be the only representative of the Republic in athletics.

The World Athletics Olympic Qualification System states that National Olympic Committees without a qualified male or female athlete or relay team will be allowed to enter their highest ranked male or female athlete in any event, except the 10,000m, from 3000 m steeplechase and combined events such as the decathlon.

She set the 200m record (23.60 seconds) at the 2015 SEA Games, when she won the Republic’s first sprint gold medal at the regional biennial in 42 years.

Pereira, who graduated from Singapore Management University in April, told the Straits Times she was thrilled.

“It’s something I used to work and train for, but still can’t really believe it,” she said.

“I couldn’t go in 2016, so I kind of lived up to my expectations this time around.

“But when I started doing things like collecting my Singapore team outfit (for Tokyo), things just got more real.”

She had been the favorite for the Women’s Universality spot in 2016, but marathoner Neo Jie Shi qualified for the Rio Games on merit after finishing among the top 10 women at the Standard Chartered Singapore Marathon in 2015. Instead, sprinter Timothee Yap went as a representative of men’s universality, and ran the 100m.

Pereira said she did not set a goal in Tokyo, given that the Olympics will be her first high-level 200m race since the 2019 SEA Games, when she won a bronze medal in 23.77 seconds.

Instead, she just wants to continue the progress she made under coach Luis Cunha, who she started working with in January of last year.

“I don’t think (expectation) that much … Last year we almost couldn’t compete at all, so I’m just focusing on training and hoping to perform regardless. the race, ”Pereira said.

Cunha, 56, is a former Olympian who represented Portugal at the 1988, 1992 and 1996 Games in various sprint events.

He was sure she would benefit from rubbing shoulders with the best athletes in the world.

“I hope she can enjoy the experience of being an Olympian, and it can be in a number of ways,” said Cunha.

“The idea is not only to perform well (with better competition), but also to enjoy the environment of the Olympic Games.”

Multiple SEA Games gold medalist Quah also said winning a ticket to the Olympics amid the pandemic was a victory in itself.

She will compete in the 50m and 100m freestyle. She had qualified as the top-ranked athlete on the basis of the Fina points table at the end of last month, the Singapore Swimming Association announced yesterday.

Quah said she and her training mates have been trying to qualify for the Olympics since the start of 2019, a grueling physical and mental strain considering how the pandemic has made their training “so stretched and inconsistent. “.

She added: “I am really proud of how everyone has been successful and managing the best they can.

“To have so many people having really quick ‘B’ cups and being all close to making the squad and not qualifying is difficult, and I’m disappointed that there aren’t more people. .

“It was the goal after Rio, that there were more of us together. Anyway, I am proud to be able to carry the flag and represent my country in Japan and I will do my best to make everyone proud. . “

Quah, who finished 34th in the 100m butterfly in Rio and swam the 100m freestyle (35th) and the 400m individual medley (25th) at the 2008 Beijing edition, will be among four Singaporean swimmers in Tokyo.

The others are her younger brother, Zheng Wen, 24, Olympic champion Joseph Schooling, 26, and open water specialist Chantal Liew, 22.


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Do I Need a Job to Get Approved for a Personal Loan?

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You might be eligible for a personal loan without a job, but you need to do your homework first.

Personal loans are a great tool to help cover unexpected expenses. You can use personal loans to consolidate debt, pay for vacations, cover medical bills, or even build up your emergency fund.

To qualify for a personal loan, lenders want to have a healthy credit history and income. But your income doesn’t have to come from a traditional “job”. However, you need to have a reliable source of income to reduce the risk of your loan default or default.

A personal loan has many advantages but also comes with risks, especially if your finances are unstable.

If you are looking for a personal loan, you can explore your options by visiting Credible to compare rates and lenders.

YOU CAN GET A LOAN WITH BAD CREDIT – BUT BEWARE OF THESE RISKS

How to get a personal loan

When deciding whether or not to finance a loan, a lender takes several factors into account, including:

  • Credit score
  • Credit history (do you pay your bills on time, do you have bankruptcy)
  • Debt-to-income ratio (how much debt do you have compared to how much money you make)
  • Returned
  • Assets
  • Loan terms (how much and for how long)
  • Collateral (if you choose a secured loan)

If you do not have a traditional job with a W2 employer, you can still benefit from a personal loan. Potential sources of income that lenders are considering include:

If the income is taxable, you can use it as a source of income when applying for a personal loan. When you’re ready to check out your personal loan options, visit an online marketplace like Credible.

Unsecured loans: all you need to know

Risks of taking out a personal loan without a job

If you are considering taking out a personal loan and you do not have a traditional job, having a reliable source of income is essential to protect yourself against defaulting on your loan. If you miss payments, you will be charged a late fee. If your payment is extremely late, it could affect your credit score. Even two missed payments could lower your credit score 100 points or more.

Several missed payments can add up quickly, making it harder to catch up. If you miss too many payments, your loan could default.

If your loan is in arrears, your lender may ask you to repay your loan immediately. If you have a co-signer, your lender may go to them for payment. In addition to the damage to your credit score, your co-signer’s credit score could also drop.

Once you’re in arrears with your payment, you’ll likely start hearing from debt collectors. In the worst case scenario, your lender may garnish your paycheck, place a lien on your home, and / or take possession of anything you have used as collateral.

Alternatives to a personal loan

A personal loan may not be the right choice for everyone. Other options may better suit your personal situation.

1. Cash mortgage refinancing: If you own a home and have equity in your property, you could take advantage of lower interest rates and opt for cash refinancing. A cash refinance allows you to replace your current mortgage with a new loan for more than what you owe and the extra money you are given to spend. Your home is secured with this type of mortgage, so making your payments on time is essential.

2. Home equity line of credit: Similar to refinancing, a line of credit uses the equity in your home to determine how much you can borrow. You can borrow from your line of credit as many times as you want if you have funds available. You can pay back what you owe at any time and continue to make withdrawals as needed. Interest is only charged on the amount of your loan.

3. Small business loan: If you run your own business, you may be eligible for a small business loan. These loans should only be used to cover business expenses. Still, they can be used to cover a range of items from wages to equipment and supplies.

Once you are ready, you can visit Credible to explore your personal loan options or other alternatives available to you.

ADVANTAGES AND DISADVANTAGES OF A CASH-OUT MORTGAGE REFINANCING

Final thoughts

Using a personal loan to cover unforeseen expenses or help extend your expense account in times of uncertainty can be helpful. But you should do a lot of research and check your finances to make sure you can afford a loan because missing payments can put you in a worse situation.

If you’re trying to decide if a personal loan is right for you, visit Credible to connect with experienced loan officers and get your personal loan questions answered.

PERSONAL LOAN VS. CREDIT CARD – WHEN TO USE EACH

Have a finance-related question, but don’t know who to ask? Email the Credible Money Expert at moneyexpert@credible.com and your question could be answered by Credible in our Money Expert column.

Do I Need a Job to Get Approved for a Personal Loan?

0

You might be eligible for a personal loan without a job, but you need to do your homework first.

Personal loans are a great tool to help cover unexpected expenses. You can use personal loans to consolidate debt, pay for vacations, cover medical bills, or even build up your emergency fund.

To qualify for a personal loan, lenders want to have a healthy credit history and income. But your income doesn’t have to come from a traditional “job”. However, you need to have a reliable source of income to reduce the risk of your loan default or default.

A personal loan has many advantages but also comes with risks, especially if your finances are unstable.

If you are looking for a personal loan, you can explore your options by visiting Credible to compare rates and lenders.

YOU CAN GET A LOAN WITH BAD CREDIT – BUT BEWARE OF THESE RISKS

How to get a personal loan

When deciding whether or not to finance a loan, a lender takes several factors into account, including:

  • Credit score
  • Credit history (do you pay your bills on time, do you have bankruptcy)
  • Debt-to-income ratio (how much debt do you have compared to how much money you make)
  • Returned
  • Assets
  • Loan terms (how much and for how long)
  • Collateral (if you choose a secured loan)

If you do not have a traditional job with a W2 employer, you can still benefit from a personal loan. Potential sources of income that lenders are considering include:

If the income is taxable, you can use it as a source of income when applying for a personal loan. When you’re ready to check out your personal loan options, visit an online marketplace like Credible.

Unsecured loans: all you need to know

Risks of taking out a personal loan without a job

If you are considering taking out a personal loan and you do not have a traditional job, having a reliable source of income is essential to protect yourself against defaulting on your loan. If you miss payments, you will be charged a late fee. If your payment is extremely late, it could affect your credit score. Even two missed payments could lower your credit score 100 points or more.

Several missed payments can add up quickly, making it harder to catch up. If you miss too many payments, your loan could default.

If your loan is in arrears, your lender may ask you to repay your loan immediately. If you have a co-signer, your lender may go to them for payment. In addition to the damage to your credit score, your co-signer’s credit score could also drop.

Once you’re in arrears with your payment, you’ll likely start hearing from debt collectors. In the worst case scenario, your lender may garnish your paycheck, place a lien on your home, and / or take possession of anything you have used as collateral.

Alternatives to a personal loan

A personal loan may not be the right choice for everyone. Other options may better suit your personal situation.

1. Cash mortgage refinancing: If you own a home and have equity in your property, you could take advantage of lower interest rates and opt for cash refinancing. A cash refinance allows you to replace your current mortgage with a new loan for more than what you owe and the extra money you are given to spend. Your home is secured with this type of mortgage, so making your payments on time is essential.

2. Home equity line of credit: Similar to refinancing, a line of credit uses the equity in your home to determine how much you can borrow. You can borrow from your line of credit as many times as you want if you have funds available. You can pay back what you owe at any time and continue to make withdrawals as needed. Interest is only charged on the amount of your loan.

3. Small business loan: If you run your own business, you may be eligible for a small business loan. These loans should only be used to cover business expenses. Still, they can be used to cover a range of items from wages to equipment and supplies.

Once you are ready, you can visit Credible to explore your personal loan options or other alternatives available to you.

ADVANTAGES AND DISADVANTAGES OF A CASH-OUT MORTGAGE REFINANCING

Final thoughts

Using a personal loan to cover unforeseen expenses or help extend your expense account in times of uncertainty can be helpful. But you should do a lot of research and check your finances to make sure you can afford a loan because missing payments can put you in a worse situation.

If you’re trying to decide if a personal loan is right for you, visit Credible to connect with experienced loan officers and get your personal loan questions answered.

PERSONAL LOAN VS. CREDIT CARD – WHEN TO USE EACH

Have a finance-related question, but don’t know who to ask? Email the Credible Money Expert at moneyexpert@credible.com and your question could be answered by Credible in our Money Expert column.

The Falcons sign Nathan Earle | Big rugby news

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Multiple Premiership title winner Nathan Earle has joined the Newcastle Falcons on a two-year contract, speaking of “exciting times” ahead at Kingston Park Stadium.

The 26-year-old winger has scored four tries in five league appearances this season for the Harlequins, recently crowned Gallagher Premiership champions, having also won the championship with the Saracens.

A seasoned finisher who has toured with England, Earle has scored 23 tries in his 53 Premiership appearances, plus four more in 13 European appearances.

A test scorer for the Saracens in their 2017 Premiership final victory over the Chiefs of Exeter, the 6-foot-2 star also scored on his England debut in the non-selection game against the Barbarians the same year. .

The former England U20 and 18 wing even won the New Zealand provincial national championship with Canterbury in 2016, scoring in the final, and the Hong Kong-born outfielder is already eager to start at Tyneside.

“I am really excited to join Newcastle and look forward to getting back into the preseason on July 19,” said Earle.

“My little brother and my best friend were both at Newcastle University so I’ve been there many times and I get a sense of what this place is like.”

Revealing the role played by rugby director Dean Richards in luring him to the North East, he added: “I’ve had a few positive conversations with Dean, and it’s really his whole outlook that has me. led to believe this was the best option for me.

“I feel like Newcastle is somewhere that is going to be exciting next season, and obviously I will have familiar faces like Mike Brown who is doing the same, and Tom Penny, who I played with the previous season. when he came to Quins.

“I would like to think that I am a bit of an experienced practitioner now, and I hope I can help what is already an incredibly dangerous back three.

“The Falcons have a lot of quality there, and we can really continue next season. I don’t think we’re a team at the bottom of the ladder, and it’s just an exciting prospect to be up there.

Reflecting on a season that saw him get in shape for the Harlequins before missing the highlight of their winning season with injury, Earle said: “This is the second time I’ve left a team after that they just won the Premiership title, and even though I was injured for the semi-final and the final, it was still a great time to be part of it.

“Those two games were probably two of the best knockout games the league has ever seen, and it was great that we did it playing Quins style.

“It was great for the boys who got to play but after a few days of celebration I am now looking forward and excited to become a Newcastle Falcons player.”

Falcons boss Richards echoed that enthusiasm as he said: “Nathan is someone who has scored tries and won trophies wherever he is, and I am delighted to have been able to bring him to Newcastle. .

“He’s another good English player who adds to what is already a competitive team, and I can’t wait to see the impact he can have for us.”


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There is an HTML error in the $ 5.43 million NFT representing the Internet source code

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You know that $ 5.43 million NFT that contained files relating to the source code of the World Wide Web? The one created by Sir WWW Tim Berners-Lee himself? It turns out that there is a script error in the video representation of the source code.

It was highlighted by Mikko Hypponen, researcher at F Secure, on Twitter who pointed out that “the squares are wrong!” If you watch the start of the video viewing of the code on the Sotheby’s auction page you can see that where there should be characters’‘, they have been completely replaced by something else.

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They were actually encoded in HTML when the video was created and were switched to ‘‘. According to BBC News this was a tactic sometimes used to save valuable code, known as “escape”. But it is suggested that in this case it is just a simple mistake and whoever made the video themselves just took the original text file of the code and executed it through an HTML converter.

So whoever paid $ 5,434,500 for the NFT containing the original archive of code files, a digital poster and a letter README from Sir Tim himself, also got this video visualization with the error at the interior.

There is a chance that it will end up making this NFT more valuable than even the vast sum of money it was originally purchased for. Think of those ultra-rare stamps that are even more valuable than blank stamps, because a printing error made the Queen appear to wink lasciviously. Or whatever, I don’t know, I’m not a stamp collector.

We’ve been pretty aware of the whole ecological impact of blockchain technology supporting the whole NFT nightmare, as well as the fact that NFTs don’t seem particularly effective in protecting the authors and artists for whom they were created. . But whatever we think of NFTs, it’s good to see that instead of personally profiting from the sale, Sir Tim is donating all of the proceeds from the sale to charities chosen by him and his wife.

What a nice man.

On your side: student loan forgiveness scam

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SPRINGFIELD, Mo. (KY3) – We all know COVID-19 has put a punch in our wallets. We were relieved. Most of us have received stimulus checks. The unemployed have been paid in the event of a pandemic. Now there are emails going around – saying you can get student loan forgiveness.

An email reads, ‘Your st uden t oa n maybe el ig ib le f or the rece nt stimulus forged i vene ss and reli e f legislation. ‘

Dale Underwood received the email. He graduated from Missouri State University over ten years ago. Like most, he graduated with debt.

“I could put a down payment on a nice house with what I owe. I mean, the stimulus package itself, there is a lot with it, ”he said.

On Your Side showed the email to a student aid expert.

“The email address it was sent from is not a business email address. It was a prospect and it was kind of a fun email address with just a lot of characters, ”said Becky Ahrens, director of financial aid at Drury University.

The email goes on to say, “Your request must be completed. “

“You cannot end an application that you have not started. And if they contact you to ask you to finish an app that you don’t remember working on, chances are it’s a scam, ”Ahrens said.

There are genuine loan cancellation programs for teachers, government officials, and health care providers. There is a process.

“These are very specific types of loan forgiveness. And the best source to find information on these is to call your loan officer. Just like you wouldn’t call your utility company about your mortgage. If you have questions about your student loans, call your student loans manager, ”Ahrens said.

Underwood didn’t answer. He deleted the email.

“We take so much at face value. When it comes to the Internet, nothing is at face value, ”he said.

Be careful with random phone calls and emails about loan consolidation and forgiveness programs. If they’re using pressure tactics, like saying you have to respond today, it’s probably a scam.

To report a correction or typo, please send an email digitalnews@ky3.com

Copyright 2021 KY3. All rights reserved.

Best Debt Consolidation Loans July 2021 – Forbes Advisor

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Upstart has established itself in the field of personal loans because of its approach based on artificial intelligence and machine learning for qualifying borrowers. In fact, Upstart estimates that it was able to approve 27% more borrowers than possible under a traditional lending model. With competitive APRs, Upstart is not a leading lender for borrowers who can benefit from more competitive rates. Even so, the platform’s minimum credit score of 600 makes it an accessible option for those with fair credit.

Upstart also offers a fairly flexible range of loan options, with amounts ranging from as low as $ 1,000, so you don’t have to borrow (or pay interest) more than you really need. And, while Upstart’s loans cap at $ 50,000, which is less than some lenders, that will likely be enough for many potential borrowers.

Even though Upstarts’ three- and five-year loan terms are more restrictive than those of other lenders, this is likely an acceptable compromise for applicants who might not be approved in a more traditional lending environment. Plus, it’s available in all states except West Virginia and Iowa, so it’s as widely available as many other major lenders.

Eligibility: Upstart stands out because it uses an AI-powered platform to take into account a range of unconventional variables when assessing borrower applications. And, while the platform advertises a minimum credit score of 600, Upstart can even accept applicants who don’t have enough credit history to get a score. When evaluating potential borrowers, Upstart takes into account university education, employment history, residency, debt-to-income ratio, bankruptcies and defaults, and number of credit applications.

Borrowers must also have a full-time job or offer starting in six months, a regular part-time job or other regular source of income, with a minimum annual income of $ 12,000. Co-signers and co-applicants are not allowed.

Uses of the loan: Upstart personal loans can be used for credit card and other debt consolidation, special events, moving and relocation, medical and dental expenses, and home renovations. Unlike many other traditional and online lenders, Upstart also allows borrowers to use personal loan funds to cover education expenses (except in California, Connecticut, Illinois, Washington and D.C. District of Columbia).

Successful borrowers cannot use personal loans to finance illegal activities or purchase illegal weapons, firearms, or drugs.

Completion time : Upstart provides next business day financing to borrowers whose loans are accepted before 5:00 p.m. Eastern Time, Monday through Friday. Loans approved after 5:00 p.m. are usually funded the next business day or the next day. That said, Upstart reports that 99% of loan seekers receive their money within a business day after agreeing to their loan terms. Loans for education expenses can take up to three additional business days after loan acceptance.