Payday Loans – Fast Paths http://fastpaths.com/ Tue, 21 Jun 2022 21:00:14 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://fastpaths.com/wp-content/uploads/2021/05/default.png Payday Loans – Fast Paths http://fastpaths.com/ 32 32 I Got a Public Service Loan Forgiveness, Now What? https://fastpaths.com/i-got-a-public-service-loan-forgiveness-now-what/ Tue, 21 Jun 2022 21:00:14 +0000 https://fastpaths.com/i-got-a-public-service-loan-forgiveness-now-what/ courtesy of Getty Creative. Getty The past few months have brought some pretty catchy headlines and trends when it comes to our collective finances. These days, you can’t get far without running into a burning issue near and dear to many of us: student loan forgiveness. Earlier in the year, the U.S. Department of Education […]]]>

The past few months have brought some pretty catchy headlines and trends when it comes to our collective finances. These days, you can’t get far without running into a burning issue near and dear to many of us: student loan forgiveness. Earlier in the year, the U.S. Department of Education released Public Service Forgiveness Loan figures that revealed 70,000 borrowers were eligible for nearly $5 billion in student loan relief, and other estimates predicted that up to 550,000 people could benefit, in total. If you’re qualified and your loans have been forgiven, it might be tempting to run out of cash and spend that wad of cash (hey, a splurge here or there might be in order), but if you’re looking to be smart with your money, my conversation with Mark Reyes, Senior Director of Financial Advisory at Albert, a financial services technology company might be helpful to you, as he has some good suggestions.

Reyes says less than 5% who qualified and applied received student loan forgiveness and for them to get it there were criteria that had to occur to stay in good standing. “ The service is designed [for people working in] jobs that are not high paying and have an impact,” he says. “Loan forgiveness helps relieve them of the economic burden of their student loans.”

Mindfulness of the basis of loan forgiveness is crucial. Above all, you must remain qualified for this forgiveness. It’s important to remember that the landscape of personal student loan forgiveness has changed significantly over the past few years, according to Reyes. This means that you will need to stay informed and ensure that you are fully aware of what needs to be done to qualify and possibly receive this loan forgiveness. Typically, this includes re-certification, providing the correct documentation, and making consistent payments while waiting for your loan to be forgiven.

Here are some additional tips:

GW: Should borrowers do anything from a tax standpoint?

MR: Yes. If you are receiving student loan forgiveness, make sure you have a clear picture that provides an accurate understanding of any tax liabilities you may be responsible for. Keep in mind that under the American Rescue Act of 2021, the amount of student debt that is forgiven will not be federally taxed until the end of 2025, but some states may still consider it income. taxable. If you plan to receive the pardon after 2025, stay alert to any changes to how the pardon will be handled by the IRS and be prepared for that.

GW: Tell us about paying off toxic debt.

MR: What is toxic debt? Also called toxic loans or bad debts, toxic debts are less likely to be repaid to a lender. If you have high-interest credit card debt or other forms of toxic debt like a payday loan, it’s time to detox by making it a priority to pay off those debts as soon as possible. Toxic debt is very expensive to maintain and can prevent you from achieving greater financial goals.

GW: What can people do about planning their emergency fund?

MR: It’s important to start prioritizing financial wellness and having an emergency fund saved up of 3-6 months of non-discretionary spending is a mainstay of that. An easy way to accomplish this task is to automate your savings, so that a percentage of your paycheck is automatically deposited into a savings account. I highly recommend it.

GW: A lot of people are reluctant to set a budget. Do you have any advice?

MR: Budget doesn’t have to be a dirty word. In fact, a healthy budget is the backbone of financial well-being, according to Reyes. If you’re not sure where to start, it’s probably best to keep it very simple. Reyes generally recommends what’s called a “50/20/30 budget.” This is where 50% goes to essential expenses such as rent, insurance, essentials and food, 20% goes to savings and investing, while 30% goes to everything you desire.

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GW: So can we call that 30% the You Only Live Once (YOLO) bucket? How many YOLOs can we make?

MR: This YOLO bucket is crucial for your enjoyment of life. It’s for whatever you want. If you stay in the 30%, it doesn’t matter what you do with it as long as you can stick to that 30%. You don’t have to YOLO every night. You can YOLO some.

GW: What about investing for retirement?

MR: Paying yourself first is crucial, as is paying yourself in the future. Retirement, that distant light at the end of the proverbial tunnel, will come knocking sooner than most of us realize, and the financial news surrounding our prospects for group retirement isn’t always great. Once you have a sound financial foundation (no toxic debt, a solid emergency fund, some wiggle room in your budget/no overspending), start investing for your retirement. Generally speaking, a good goal is to contribute 10-15% of your income, but if you can maximize your retirement account, [that’s] better.

GW: Thank you for your time.

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Juneteenth: what it meant in 1865 and what it could mean for us in 2022 https://fastpaths.com/juneteenth-what-it-meant-in-1865-and-what-it-could-mean-for-us-in-2022/ Fri, 17 Jun 2022 21:40:52 +0000 https://fastpaths.com/juneteenth-what-it-meant-in-1865-and-what-it-could-mean-for-us-in-2022/ One day in late June 1865, Union soldiers arrived in Galveston, Texas. They carried historic news: Legal slavery had ended about two and a half years ago with President Abraham Lincoln’s Emancipation Proclamation. This is how some of the last remaining slaves in America were freed. jessica stone The day became known as “Juneteenth”, a […]]]>

One day in late June 1865, Union soldiers arrived in Galveston, Texas. They carried historic news: Legal slavery had ended about two and a half years ago with President Abraham Lincoln’s Emancipation Proclamation. This is how some of the last remaining slaves in America were freed.

jessica stone

The day became known as “Juneteenth”, a holiday still celebrated today in black communities across the United States.

Yet more than 150 years after slavery, black wealth still lags centuries behind white wealth. A report by the Institute for Policy Studies (IPS) found that it would take 228 years for black families to accumulate the amount of wealth that white families already possess today.

The article continues after the ad

In reality, the racial wealth divide is wider today than decades ago, and continues to expand. This divide will not close without bold structural reform to match the structural injustices that created it – from slavery itself to Jim Crow, to caution and mass incarceration.

A more recent IPS report offered a number of promising solutions, including these ideas, to close the gap.

  1. Baby links. Baby bonds are federally run accounts that can be created at birth for all children and grow over time. When children reach adulthood, they can use these federal funds for education, buying a home or starting a business.
  2. Guaranteed employment and living wage: Bridging racial wealth means creating good jobs that pay living wages to everyone who can work. A federal job guarantee would provide universal employment coverage and eliminate involuntary unemployment. A much higher minimum wage would ensure that all jobs actually support families.
  3. Affordable housing: Secure housing remains out of reach for millions of families, and homes are the middle class’s greatest source of wealth. We need big investments in social housing, rent control and down payment support for first-time buyers from marginalized backgrounds to ameliorate historical injustices and address the current crisis.
  4. Health insurance for all: People of color made up more than half of the 32 million uninsured non-elderly people in 2016, putting them at serious medical and financial risk. Medicare for All would dramatically reduce health care-related bankruptcies, the single largest source for all Americans.
  5. Postal bank : People of color are particularly likely to be unbanked, as are rural people and the elderly. The Postal Service could offer short-term, low-interest loans to these populations to protect them from predatory payday lenders.
  6. Increase in taxes on the ultra-rich: A significant increase in taxes on the extremely wealthy would reduce the corrupting influence of wealth on our politics while generating significant revenue to create opportunities for those who have been prevented from generating wealth.
  7. Correction of the tax code: We spend $600 billion a year on tax subsidies that allow the rich to get richer. Shifting that spending to low-income people would have a monumental impact.
  8. Repairs: A bill called HR 40, currently being championed by U.S. Representative Sheila Jackson Lee of Texas, would create a commission to study the issue of reparations and grapple with what they might really look like. It is a welcome step.
  9. Better data collection: It is difficult to understand the extent of the racial wealth divide without good information about the full range of racial diversity in the United States. Localized data on household assets and debt by race would provide better insight for policy-making.
  10. An Audit of Racial Wealth: All laws and policies can have unintended consequences. We therefore need a framework to assess the impact of new ideas on the distribution of wealth.

The article continues after the ad

All of these ideas are bold. But none are as bold as the news that greeted Galveston in 1865: slavery was over. This Juneteenth, let’s continue to think radically about how to tackle this incredibly important challenge.

Jessicah Pierre worked as a media specialist on inequality at the Institute for Policy Studies. She now works in the civil service.

This editorial was distributed by OtherWords.org and originally published on June 19, 2019.

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MICROCAPITAL BRIEF: UNCDF, Quizrr, Ulula, Wagely Supporting Financial, Digital Literacy for Garment Worker in Bangladesh https://fastpaths.com/microcapital-brief-uncdf-quizrr-ulula-wagely-supporting-financial-digital-literacy-for-garment-worker-in-bangladesh/ Thu, 16 Jun 2022 05:03:00 +0000 https://fastpaths.com/microcapital-brief-uncdf-quizrr-ulula-wagely-supporting-financial-digital-literacy-for-garment-worker-in-bangladesh/ The United Nations Capital Development Fund (UNCDF) recently committed approximately US$556,000 to support pilot training programs for workers in the garment industry in Bangladesh. The funding will pay for technical assistance and performance-based grants for three companies seeking to promote financial and digital literacy skills and therefore financial and digital inclusion for 135,000 people working […]]]>

The United Nations Capital Development Fund (UNCDF) recently committed approximately US$556,000 to support pilot training programs for workers in the garment industry in Bangladesh. The funding will pay for technical assistance and performance-based grants for three companies seeking to promote financial and digital literacy skills and therefore financial and digital inclusion for 135,000 people working in the sector, mostly women. UNCDF implementing partners for the project are Quizrr, Ulula and employee. Wagely will offer participants its Earned Wage Access service, which allows workers to collect their wages in advance. The other two companies are collaborating to provide digital training on “human rights and responsibilities, worker engagement and digital wages.”

Founded in 2020, Wagely is an Indonesian platform with a mission to “provide a sustainable solution for all employees to break the cycle of indebtedness caused by overdraft fees, high interest credits or loans on salary and play a leading role in building financial well-being for the weakest”. – and middle-income workers in Indonesia.

Quizrr is a Swedish education technology (edtech) company established in 2013. It provides training for digital workers from offices in Bangladesh, China, Thailand and Sweden. The company claims to have served 1.3 million users who work in 600 factories.

Launched in 2013, Ulula, which means “reveal” in Chichewa, is a Canadian company whose services include anonymous feedback and engagement solutions for workers to report human rights abuses, as well as tools to measure the scale of business contributions to the United Nations Sustainable Development Goals. . The company claims to have served 1.6 million users in 40 countries.

Established in 1996 and based in the US city of New York, UNCDF works to create opportunities for the poor and their businesses by improving access to microfinance and other forms of investment capital. The organization operates in 47 low-income countries in Africa, Asia and the Pacific, with a particular focus on countries emerging from crises. For 2020, UNCDF had a budget of $75 million and supported initiatives providing financial services to 3 million unbanked and underbanked customers.

By Saulius Simonas Ramanauskas, Research Associate

Sources and additional sources

UNCDF press release
https://www.uncdf.org/article/7684/financial-digital-solutions-garment-workers-bangladesh

Quizrr homepage
https://www.quizrr.se

Ulula homepage
https://ulula.com

Salary homepage
https://www.wagely.app

UNCDF homepage
https://www.uncdf.org

Previous note from MicroCapital on UNCDF
https://www.microcapital.org/microcapital-brief-public-sector-commits-61m-to-smes-via-bamboo-uncdf-initiative-for-the-least-developed-build-fund

Did you know that MicroCapital publishes the MicroCapital Monitor every month? Learn more at https://www.microcapital.org/products-page/.

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What is a home loan and how does it work? https://fastpaths.com/what-is-a-home-loan-and-how-does-it-work/ Tue, 14 Jun 2022 14:07:06 +0000 https://fastpaths.com/what-is-a-home-loan-and-how-does-it-work/ Car title loans are designed for people who need cash fast. They offer a short-term loan using your vehicle title as collateral. Some lenders don’t do credit checks and may not even require proof of employment or income, making auto title loans easy to access, even for consumers with troubled credit histories. But like many […]]]>

Car title loans are designed for people who need cash fast. They offer a short-term loan using your vehicle title as collateral. Some lenders don’t do credit checks and may not even require proof of employment or income, making auto title loans easy to access, even for consumers with troubled credit histories.

But like many other loans available to consumers with bad credit, the appeal of these cash loans is overshadowed by their high costs and severe consequences if you can’t repay what you owe. Here’s what you need to know about how title loans work and the pros and cons of using them.

How Securities Lending Works

A title loan provides short-term financing for borrowers who own their car or own a significant portion of it. Lenders use your vehicle title – a document that proves you own your car – as collateral for the loan and usually require payment within 15 or 30 days.

Lenders can offer title loans online or through a physical location. You will fill out a file to apply. If you are not already in a physical store, you will need to visit one to present your car.

You’ll also need to provide a clear title – although some lenders don’t even require this – photo ID, proof of insurance, and any other documents the specific lender might need. You may also need to give the lender a second set of car keys. That said, you will keep your car during the reimbursement process.

If you are unable to repay the debt on time, you may have the option of turning your existing title loan into a new one, but this will only add more interest and fees. If you end up defaulting, the lender can seize your vehicle and sell it to recover what you owe.

Since title loans can have very high interest rates, they are not allowed in all states. In some they are completely prohibited, and in others there are interest rate caps. In some states, however, there are no regulations.

How much can you borrow?

You can usually borrow between 25% and 50% of the value of your car. Loans can range from $100 to $10,000, depending on the lender. You’ll pay what you owe in person, online or by direct debit from your checking account.

How much do title loans cost?

With such a short repayment term, car title loans are an expensive form of credit, and even the best car title loans can charge three-digit annual percentage rates, which include interest and fees.

“Title loans often come with a host of additional costs, including processing, documentation and loan origination, totaling hundreds of dollars,” says Lyle Solomon, senior counsel at Oak View Law Group, which provides debt relief services. “The purchase and payment of a vehicle roadside assistance package may also be required in some cases.”

For example, let’s say you borrow $800 and the finance charge is 25% of the loan amount, or $200. If the loan is due within 30 days, your APR is around 304%. That’s way more than you’ll pay even with some bad credit personal loans.

“Title loans often fall into the category that many lenders consider predatory lending,” says James Garvey, CEO and co-founder of Self Lender, which offers credit lending.

Do title loans affect your credit?

Generally, title loans do not impact your credit score because there is usually no credit check when you apply. Also, lenders probably won’t report your payment to the credit bureaus, and if you default, the lender will usually repossess your car and sell it instead of sending your debt to a collection agency.

The fact that title loans don’t affect your credit can be a good thing or a bad thing. If your credit history is already bad, that won’t stop you from getting a title loan. Also, missing a payment probably won’t hurt your score any further. On the other hand, making payments on time will also not help your credit score.

Advantages and disadvantages of title loans

As with any financial product, there are usually pros and cons. However, the disadvantages of predatory loans like these usually far outweigh the advantages. Here’s what you should consider:

Advantages

  • Easy qualification. Even if your credit is bad, you can get approved as long as you hold the title to your car, have enough capital, and your income meets the lender’s requirements.
  • Simple approval process. You don’t need to submit to a credit check, so the process usually doesn’t take long.
  • Quick access to cash. As long as you have everything the lender needs, you can walk out of the store with the money the same day.

The inconvenients

  • You can lose your car. The worst case scenario with a car title loan is that you cannot repay the debt and the lender seizes your car. According to a 2016 report from the Consumer Financial Protection Bureau (the most recent statistics available), this happens to 20% of people who take out title loans.
  • You can easily go over your head. CFPB research also found that more than 80% of auto title borrowers take out a new loan the day the original is due because they can’t afford to repay the first one. More than half of all title loans mature into four or more consecutive loans by the time borrowers can repay the debt. Since each new loan adds more interest and fees, you could end up with a lot more debt than expected.
  • Title loans are expensive. Even if you repay on time, title loans incur far higher costs than most other loan options.

Alternatives to Car Title Loans

If you have bad credit, you might think you have no other options. After all, that’s why title loans are still popular, despite being such a threat to your financial well-being.

Still, it’s usually best to avoid this financing option. “Almost every other loan option out there is better than a title loan,” Solomon says. These alternatives can offer borrowers with bad credit access to funds without as much risk as a car title loan.

  • Family and friends. Going to family members or friends for money is not easy. But if you have trusted relationships and are confident you can repay what you borrow, consider applying for an unofficial loan.
  • Personal loan for bad credit. Some personal lenders specialize in working with people who have bad credit. Interest rates and fees may still be higher than what you would pay with good or excellent credit, but they are likely much lower than what a title lender will charge you, and you will usually get a term longer repayment. This reduces the risk that you will need to re-borrow to pay off your debt.
  • Financial aid services. Depending on where you live, your state or local government may provide access to temporary financial assistance. These programs can provide help with medical bills, food, child care, utilities, emergency expenses and more. If you’re looking for quick cash to cover any of these, you might be able to get it without any strings attached or costly debt. You can also find this kind of help through local nonprofits, charities, and religious organizations. Garvey says, “Some nonprofits, such as the Mission Asset Fund, offer low-interest loans (even 0%).”
  • Payday advance. Your employer may be willing to provide an advance on your next paycheck. While this can cause problems when you need that money later, it can give you some time to figure things out. If your employer doesn’t offer payday advances, services like Earnin, MoneyLion, Dave and Brigit allow you to get a payday advance with little or no fees or interest.
  • Alternative payday loan. Some credit unions offer alternative payday loans to eligible members. The interest rate on these loans is capped at 28%, making them much cheaper than some traditional personal loans.
  • Credit advice. If your financial troubles are a symptom of crippling debt, working with a credit counselor can help you make more room in your budget. Credit counseling agencies may be able to use a debt management program to help you get relief from late payment fees and lower interest rates on your existing loans. Credit counselors can also help you get your finances back on track for the future. Garvey says, “The ultimate key to breaking the cycle of limited options and high interest loans is to build the credit you need to access more reputable financial products.

The important thing is that you take the time to consider all of your options and look for ways to get the financial help you need without sinking deeper into high-interest debt.

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3 things to watch in the stock market this week https://fastpaths.com/3-things-to-watch-in-the-stock-market-this-week/ Sun, 12 Jun 2022 11:00:00 +0000 https://fastpaths.com/3-things-to-watch-in-the-stock-market-this-week/ It was another tough time for investors last week as both the Dow Jones Industrial Average (DJINDICES: ^DJI) and the S&P500 (SNP INDEX: ^GSPC) lose 5%. Most of the decline came after news broke that inflation was still near a 40-year high, suggesting further aggressive interest rate hikes from the Federal Reserve. However, many individual […]]]>

It was another tough time for investors last week as both the Dow Jones Industrial Average (DJINDICES: ^DJI) and the S&P500 (SNP INDEX: ^GSPC) lose 5%. Most of the decline came after news broke that inflation was still near a 40-year high, suggesting further aggressive interest rate hikes from the Federal Reserve.

However, many individual stocks performed better, especially in the case of positive earnings announcements. With that in mind, let’s preview reports on the way this week from Kroger (NYSE:KR), Jabil (NYSE:JBL)and Adobe (NASDAQ: ADBE).

1. Kroger Profit Outlook

Kroger’s stock took a hit after rival walmart (NYSE: WMT) lowered its 2022 earnings outlook last month, and we’ll find out on Thursday whether the supermarket chain has avoided those earnings challenges.

There are good reasons to believe that Kroger can outperform its biggest rival. The chain closed the growth gap in the last quarter, thanks in part to the enthusiasm generated by its fresh produce and prepared food niches. Track comparable store sales to see if Kroger is gaining market share. This metric increased by 3% in Walmart’s latest report.

Kroger weathered soaring costs in early 2022, and investors hope to extend that positive momentum into this report with the help of its vertically integrated supply chain.

When costs rise, owning your own dairy farm, trucking company, and retail network comes in handy. Watch Kroger’s earnings outlook, which currently calls for a sharp increase in annual earnings, for evidence of continued pricing power.

2. Jabil’s operating margin

Electronics manufacturing specialist Jabil will announce its latest results on Thursday, and investors have big questions ahead of the report. The company exceeded expectations on its latest release, which showed an 11% increase in sales. Jabil’s 23% increase in earnings per share is even more impressive.

Track Jabil’s operating profit margin to see if the company is still benefiting from growing demand in the smartphone, cloud services and automotive niches. This metric was less than 5% of sales last quarter, but has the potential to increase as prices increase.

Jabil raised its outlook for 2022 in March, and management now sees revenue landing at $32.6 billion, about 11% more than in 2021. The big question is how its partnership with Apple could set it up for even faster wins down the line.

3. Adobe’s growth rate

Despite setting new sales and cash flow records last quarter, Adobe stock has fallen since that report in late March. Investors’ main concern is that growth will slow after two years of strong demand for its digital media products during the early stages of the pandemic.

This slowdown should not threaten the long-term prospects of Adobe, which announced Thursday the results of the second fiscal quarter. Executives in March forecast sales would rise about 15% for the period, compared with a 17% increase in the first quarter.

In addition to hitting those numbers, investors are hoping Adobe could project better earnings prospects over time as more businesses and consumers move their creative work to its cloud services platform.

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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

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Boutique hotel room for sale in one of Liverpool’s busiest streets https://fastpaths.com/boutique-hotel-room-for-sale-in-one-of-liverpools-busiest-streets/ Sat, 11 Jun 2022 06:00:00 +0000 https://fastpaths.com/boutique-hotel-room-for-sale-in-one-of-liverpools-busiest-streets/ The opportunity to purchase a property on one of the city’s busiest streets has presented itself, but it’s not your average home. Those interested in the studio will not be able to live in the property but rather invest in a “one-of-a-kind” opportunity. The room is for sale on bustling Bold Street in the fully […]]]>

The opportunity to purchase a property on one of the city’s busiest streets has presented itself, but it’s not your average home.

Those interested in the studio will not be able to live in the property but rather invest in a “one-of-a-kind” opportunity. The room is for sale on bustling Bold Street in the fully operational hotel – Boudoir Liverpool.

Described as the “number one investment location” in the country, the buyer will be able to profit from the room by allowing travelers to book it. Listed on Rightmove, with Elite Realty Invest, the apartment is priced at £90,000 and comes fully furnished.

READ MORE: ‘Eco-friendly home’ for sale that could save homeowners over £2,000 on their bills

According to sales figures, collated by Rightmove, properties in the area had an overall average price of £176,866 over the past year. Most of the sales included in the data, over the past year, were apartments, selling for an average price of £173,320.

While semi-detached properties sold for an average of £200,625, semi-detached properties cost £248,612. Overall selling prices in Liverpool city center over the past year are up 7% on the previous year and are similar to the 2008 peak of £176,100.

The hotel has been taking reservations on websites such as Booking.com since November 2021 and currently has over 200 reviews. It has an average rating of 8.5 out of 10 with reviews saying location, comfort, and cleanliness are the best strengths. There are 17 rooms available throughout the hotel, with a top-floor bar and event space also available for booking.



Possibility to buy a studio at the Boudoir hotel, on Bold street

Elite Realty Invest offers a guide to becoming an investor in the city, with a team to help explain every step of the process. The investment list reads: “Occupancy levels and profit per room (revenue per available room) are all increasing despite being almost double the number of hotel rooms in the city than there are. there were in 2008.

“October 2017 saw the highest average weekend income per available room peak at £104.63. The figures reflect the rising value of the visitor economy to the Liverpool city region, which is now estimated at around £4.3 billion a year.

“From a developer and investor perspective, Liverpool is expected to experience growth in the hospitality sector for some time, with room occupancy expected to increase for the foreseeable future with more capacity required year on year.” See more images and property information on Rightmove here.

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What’s really going on with revolving consumer credit? https://fastpaths.com/whats-really-going-on-with-revolving-consumer-credit/ Wed, 08 Jun 2022 04:02:49 +0000 https://fastpaths.com/whats-really-going-on-with-revolving-consumer-credit/ Beyond some of the dodgy stuff in the headlines today. By Wolf Richter for WOLF STREET. Revolving credit balances in April, unadjusted for seasonality — so actual dollar balances — were $1.04 trillion, according to the Federal Reserve this afternoon. This includes credit card balances, personal loans, etc., and was up just 2.6% from April […]]]>

Beyond some of the dodgy stuff in the headlines today.

By Wolf Richter for WOLF STREET.

Revolving credit balances in April, unadjusted for seasonality — so actual dollar balances — were $1.04 trillion, according to the Federal Reserve this afternoon. This includes credit card balances, personal loans, etc., and was up just 2.6% from April 2019.

Let that sink in for a moment: over a three-year period, revolving credit grew by only 2.6%, despite CPI inflation of 13% over those three years. In other words, revolving credit growth fell sharply in inflation-adjusted terms.

The huge dip between 2019 and today stems from the pandemic when consumers used their stimulus money to pay off their credit cards and when they cut spending on discretionary services, such as sporting and entertainment events, international travel or elective healthcare services such as cosmetic surgery. , visits to the dentist, etc. During this period, delinquencies dropped to record lows.

Revolving loan balances are barely above the peaks of 2007 and 2008, despite 14 years of population growth and 40% CPI inflation in those years! In other words, revolving credit just isn’t the kind of problem it was in 2008. It’s a sideshow.

In terms of growth – in terms of additional borrowed money being spent in the economy – it was miniscule. There has actually been no growth since December. And after refunds in January and February, following the annual holiday shopping spree, total balances rose just $14 billion in March and $17 billion in April, for a total of 31 billions of dollars.

That $31 billion growth in March and April didn’t even offset the $32 billion in refunds in January and February. These are actual dollars, not seasonally adjusted notional dollars.

In terms of adding to the growth of the economy: total consumer spending is currently growing at an annual rate of $17 trillion, with a T. So what would be the additional spending growth resulting from the increase in revolving credit? It was a rhetorical question. It’s tiny.

Since 2019, consumer spending has increased by 19% and revolving credit has only increased by 2.9%, both non-inflation-adjusted by 13% over the period. In other words, revolving credit growth has been significantly below inflation and massively below consumer spending growth.

This shows that consumers rely less on revolving credit.

Credit cards and some types of personal loans, such as payday loans, are the most expensive forms of credit, and they often come with usurious interest rates. Credit card rates can exceed 30%. And the Americans have understood this. If they need to finance purchases, many consumers resort to cheaper loans, including cash refinancing of their mortgages.

And a lot of consumers are using their credit cards as payment methods, and they’re paying them back every month. This is what these relatively low balances show.

The beautiful seasonal adjustments.

Seasonal adjustments to the real dollar revolving loan balances are designed to correspond to the peak month of each year, which is December. In other words, there is no seasonal adjustment for December, but the other 11 months are always adjusted upwards, like every month was December at the height of the holiday shopping frenzy. And that creates the bizarre pattern where, for 11 months of the year, seasonal adjustments grossly overestimate the actual revolving credit balances.

In this graph, the green line represents the seasonally adjusted balances. Note how it overlaps every December. The red line represents actual balances, not seasonally adjusted. And note the crazy disconnect between the two lines over the past four months:

The consumer credit data the Federal Reserve released today was its limited monthly set, just two incomplete summary categories of a complex phenomenon: “revolving credit,” which I discussed above, and “non-revolving credit”, which is made up of car loans and student loans combined, but not separated, and does not include mortgages, HELOCs and other debts.

Individual car loan, student loan, mortgage and HELOC categories are only published quarterly by the New York Fed, and I’ve discussed that for the first quarter, covering all categories, including mortgages and HELOCs, and delinquency rates for each category, as well as collections, foreclosures, and third-party bankruptcies, as part of my quarterly review of consumer credit in America.

This quarterly data shows credit card balances by themselves, as well as other revolving consumer loans:

  • Credit card balances, at $840 billion in Q1, are back to where they were in Q1 2008 and lower in Q1 2020 and Q1 2019 (red line).
  • Other consumer loans (personal loans, personal loans, etc.), at $450 billion, were below levels well before the financial crisis (green line):

In other words, revolving consumer credit was roughly flat 13 years ago, despite 13 years of population growth and 40% inflation. In real and per capita terms, it has become a sideshow.

Of course, some people are in over their heads and they will fall behind. It always happens. But in the overall spectrum of credit risk, that’s not a big deal anymore. Consumers have become much smarter since the financial crisis. They borrow through much cheaper mortgages and car loans, and proportionally much less at those rip-off rates that come with credit cards and personal loans.

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I am looking to use Buy Now Pay Later, will this affect my mortgage application? https://fastpaths.com/i-am-looking-to-use-buy-now-pay-later-will-this-affect-my-mortgage-application/ Mon, 06 Jun 2022 06:00:53 +0000 https://fastpaths.com/i-am-looking-to-use-buy-now-pay-later-will-this-affect-my-mortgage-application/ I’m considering using Buy Now Pay Later, but what exactly is it and will it affect my mortgage application when I buy a house later this year? QR Assessment: Mortgage lenders will consider using buy-it-now and pay-later programs when considering whether or not to approve someone for a loan MailOnline property expert Myra Butterworth said: […]]]>

I’m considering using Buy Now Pay Later, but what exactly is it and will it affect my mortgage application when I buy a house later this year? QR

Assessment: Mortgage lenders will consider using buy-it-now and pay-later programs when considering whether or not to approve someone for a loan

MailOnline property expert Myra Butterworth said: Borrowers who are financially overstretched can be a red flag for lenders as they may not be able to repay their mortgage.

Heavy use of Buy Now Pay Later programs – which offer online shoppers the option to pay at a later date or spread their purchases over multiple payments, often with an interest-free period – can tell a lender that it’s the case, and the borrower finds it difficult to manage his finances.

A lender must make a responsible decision about whether a borrower can really afford the mortgage before it is approved.

While some forms of BNPL borrowing still won’t show up on a borrower’s credit report and won’t affect their credit score, lenders will still be able to see evidence of it on their bank statements, which could have a impact on mortgage demand.

Additionally, Klarna, one of BNPL’s largest providers, began reporting customer loans and late payments to credit reporting agencies on June 1.

Borrowers need to keep this in mind if they want to present the best financial version of themselves in order to secure their home loan and proceed with their home purchase.

Nicholas Mendes, of mortgage broker John Charcol, said: Buy Now Pay Later programs offer the ability to buy something on credit without having to pay until a later date.

This can be done through regular interest-free installments. Typically, this is done in three installments or after a 30-day interest-free period.

It is used as a payment method in some high street stores, but is more commonly used by catalogs and online retailers.

Their products may be aimed at young people and families who may not have other forms of unsecured borrowing facilities such as credit cards.

The most common Buy Now Pay Later providers are Klarna, Clearpay and Laybuy. These companies offer a range of payment options.

Cash flow: the programs

Cash flow: Buy it now and pay later programs offer the ability to buy something on credit without having to pay until a later date.

Impact on a mortgage application

As part of a mortgage loan application, lenders will collect certain information to decide whether the requested loan will be affordable.

For a decision in principle and a mortgage application, this usually includes personal details, income and expenses.

Lenders will also perform a credit search – soft or hard – which will pick up any commitments you have currently applied for.

Once this is complete, a lender will make a decision considering all the information.

How Buy Now, Pay Later commitments will affect a mortgage depends on several factors – the amount outstanding, how much you pay off each month, and when the arrangements will be paid off.

Habits such as continuous lending, overdrafts, buy-it-now, pay-later, and minimum credit card payments could make the lender feel too dependent on short-term credit.

clinic logo

As a result, a reduced maximum loan amount could be provided, or a lender could refuse the request because they feel the risk is too great with the added expense that comes with owning a home.

Not all lenders allow you to grab Buy Now Pay Later loans on a principled decision, it is only at submission that it can become an issue once a thorough research is done.

You might have a decision in principle, but it’s only after an application has been submitted and a thorough search is done that all Buy Now Pay Later commitments are considered, resulting in a revised decision.

Lenders also make a distinction between short term and long term. Buy now, pay later.

Buying a smaller item, like a £60 coat that you choose to defer payment for 30 days, interest-free, is unlikely to put your mortgage at risk, as it will be paid off when your loan is mortgage will be terminated.

But a more expensive item, like a £900 fridge divided into six payments, would be a debt pledge which will impact how much free cash you have each month and therefore need to be taken more seriously.

As with zero percent credit cards for at least 24 months, lenders could end up taking 1.5 percent of the balance as a monthly commitment. But no lender has yet set formal criteria for this.

Things to consider

Before considering buying a property or a new mortgage, think about your budget and track the amounts you need to repay.

Make sure all payments are made on time to avoid late payments appearing on your credit report and potential late fees charged by your Buy Now Pay Later provider.

While some Buy Now Pay Later options don’t appear on your credit report, others do.

The key thing to consider if you are going to apply for a mortgage, whether to buy property or remortgage your home, is that it is best to avoid using payment plans, payday loans or any other form of short-term loan. – term financing of at least six months in advance.

Also, make sure you clear all credit cards or pay off the amount owed as soon as possible, rather than just paying interest and the minimum payment.

Best Mortgages

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OnPoint Community Credit Union Celebrates Largest Branch Expansion Anniversary With Special Member Promotions https://fastpaths.com/onpoint-community-credit-union-celebrates-largest-branch-expansion-anniversary-with-special-member-promotions/ Thu, 02 Jun 2022 18:30:00 +0000 https://fastpaths.com/onpoint-community-credit-union-celebrates-largest-branch-expansion-anniversary-with-special-member-promotions/ “Despite all the challenges facing our communities, we are proud to open 20 new locations and provide essential financial services,” said Robert Stuart, President and CEO, OnPoint Community Credit Union. “Access to financial services and in-person education is more important than ever as our communities continue to navigate an increasingly complex economy. Working with a […]]]>

“Despite all the challenges facing our communities, we are proud to open 20 new locations and provide essential financial services,” said Robert Stuart, President and CEO, OnPoint Community Credit Union. “Access to financial services and in-person education is more important than ever as our communities continue to navigate an increasingly complex economy. Working with a community pillar like Fred Meyer allows us to meet members there where they are and to connect with them on a deeper level, so that we can fully understand their challenges and create a roadmap to help them achieve their goals.”

Special promotions and branch details

To celebrate its vast growth and the new member and community connections it has forged over the past year, OnPoint is offering special promotions from today to July 30 in the 20 in-store Fred Meyer branches. Specific promotions include:

  • $100 when you open a membership with a current account1
  • $50 for opening a new credit card2
  • $800 on the closing costs of a first mortgage3
  • Until $175 on a home equity line of credit4
  • 0.25% off standard consumer loan rates5
  • 0.25% APY increase on any published CD fare6

In addition to special promotions, each in-store branch will hold weekly giveaways for $100 OnPoint Visa Gift Cards. Branch staff will also be holding raffles for OnPoint-branded gift baskets and merchandise.

Access to financial services strengthens communities

OnPoint’s historic growth over the past year has helped ensure that communities that were previously underbanked or unbanked now have convenient access to financial services. Over the past three decades, the number of banking institutions has shrunk by 66%, from nearly 18,000 branches in operation in 1984 to less than 5,000 in 2021. As financial institutions continue to close, “deserts branch offices” have emerged in low-income countries. and minority communities, requiring residents to travel long distances to access financial services in person, according to the National Community Reinvestment Coalition (NCRC).

“Working so closely with our communities, we hear time and time again how important access to in-person financial services is for individuals, families and businesses,” said Cory Freeman, vice president and regional manager, OnPoint Community Credit Union. “When a community loses access to financial services, residents may turn to more expensive and sometimes unscrupulous alternatives, such as check-cashing stores or payday lenders. Branch closures are also creating barriers for small businesses, many of which are located in communities of color. When local entrepreneurs lose access to in-person banking, it can be harder to get the loans they need to grow their business. We are pleased to fill this gap and look forward to supporting more residents and small business owners in our second year of operation within Fred Meyer stores.”

Charitable giving grows alongside branch network

As OnPoint has expanded its geographic footprint, it has also increased its support for the communities it serves, donating $2.2 million in 2021 to 304 non-profit organizations across Oregon and Southwest Washington. A new record for the credit union’s annual giving program, OnPoint’s donations focused on education, climate change, services for vulnerable groups of people, and diversity, equity and inclusion. As part of their giving efforts this year, OnPoint will donate $1,000 to 20 different non-profit organizations that serve OnPoint’s in-store branch communities. Click here to learn more about the many ways OnPoint invests in its communities.

Below is the full list of OnPoint’s 20 new in-store locations. Visit onpointcu.com/locations-atms/ to view a full list of OnPoint’s 55 branches, as well as 60,000 no-charge ATMs nationwide.

  • Sandy, 16625 SE 362nd Drive, Sandy, OR 97055
  • East of Gresham, 2497 SE Burnside Road, Gresham, OR 97080
  • Cornelius, 2200 Baseline Street, Cornelius, OR 97113
  • South Hillsboro, 6495 SE Tualatin Valley Highway, Hillsboro, OR 97123
  • 158th Walker Road, 15995 SW Walker Road, Beaverton, OR 97006
  • Beaverton Town Square, 11425 SW Beaverton Hillsdale Highway, Beaverton, OR 97005
  • Hollywood, 3030 NE Weidler St., Portland, OR 97232
  • 67th & Glisan, 6615 NE Glisan St., Portland, OR 97213
  • Scappoose, 51501 Columbia River Road, Scappoose, OR 97056
  • Burlingame, 7555 SW Barbur Boulevard, Portland, OR 97219
  • Tigard, 11565 SW Pacific Highway, Tigard, OR 97223
  • Tualatin, 19200 SW Martinazzi Avenue, Tualatin, OR 97062
  • Johnson’s Creek, 8955 SE 82nd Avenue, Portland, OR 97266
  • South Salem, 3450 Commercial Street SE, Salem, OR 97302
  • Albany, 2500 Santiam Highway. SE, Albany, OR 97322
  • Santa Clara, 60 Division Avenue, Eugene, OR 97404
  • Springfield, 650 Q Street, Springfield, OR 97477
  • Salmon Stream, 800 NE Tenney Rd., Salmon Creek, WA 98685
  • orchards, 7411 NE 117th Avenue, Vancouver, WA 98662
  • hazel dell, 7700 NE Highway 99, Vancouver, WA 98665

ABOUT ONPOINT COMMUNITY CREDIT UNION

Founded in 1932, OnPoint Community Credit Union is the largest credit union in Oregonserving more than 480,000 members and with assets of $9.4 billion. OnPoint membership is available to anyone who lives or works in one of the 28 Oregon counties (bent over, Clackamas, clatsop, Colombia, Cooing, Crook, Curry, Falls, Douglas, Giliam, Hood River, jackson, Jefferson, Josephine, Klamath, way, lincoln, Linn, marion, tomorrow, Multnomah, Polk, Sherman, tillamook, Wasco, Washington, Wheeler and yam hill) And two Washington counties (Skamania and clark) and their immediate family members. More information is available at www.onpointcu.com or 800-527-3932.

1: Consumer Bonus: To be eligible, individuals must open a new membership with a personal checking account and receive a direct deposit of at least $500 to this account within 60 days of the opening date. A premium of $100 will be credited to their current account approximately 60 days after opening a new account. Accounts must be open and in good standing at the time of payment to receive the bonus. As of 5/1/22, the APY (Annual Percentage Yield) for interest verification is 0.05%. APY is subject to change. $500 minimum balance for interest verification; no minimum balance for OnPoint Checking. When the average monthly interest checking balance falls below $500a $7 monthly service charges apply. Fees can reduce revenue. The bonus will be included on a 1099-INT for tax purposes. Not combinable with other offers for opening a new subscription, such as OnPoint Savers or Refer a Friend. Offer only available at Fred Meyer locations of OnPoint Community Credit Union. Offer valid until 07/30/22 and subject to change. The Fred Meyer Consumer Bonus is not available to existing members. Corporate Bonus: To be eligible, a new membership must be opened with a corporate checking account and receive $500 in deposits into this account within 60 days of the opening date. A premium of $100 will be credited to their current account approximately 60 days after opening the new account. Accounts must be open and in good standing at the time of payment to receive the bonus. The bonus will be included on a 1099-INT for tax purposes. Not combinable with other offers for opening a new subscription, such as OnPoint Savers or Refer a Friend. Offer only available at Fred Meyer locations of OnPoint Community Credit Union. Offer valid until 07/30/22 and subject to change. The Fred Meyer Trade Bonus is not available to existing members.

2. To be eligible, individuals must apply for a credit card by 7/30/22. To win the $50 bonus this must be a new Visa relationship. The bonus does not apply to existing Visa loans that are transferred or converted to a new card. Candidates who are approved by 8/15 will be credited with a bonus of $50 into their savings account on or about 8/30/22. To be eligible for this bonus offer, the credit card account must be open and not in default at the time of execution. The bonus will be included on a 1099-INT for tax purposes. Offer is only available at Fred Meyer OnPoint Community Credit Union stores and is subject to change.

3: OnPoint will waive until $800 on the closing costs of any new purchase or refinancing of a first mortgage. This offer applies to all standard OnPoint Mortgage products and cannot be combined with any other OnPoint Mortgage promotional offer. Offer only available at Fred Meyer locations of OnPoint Community Credit Union. Offer valid until 07/30/22 and subject to change.

4: OnPoint Community Credit Union will waive up to $175 on the closing costs of any new EquityFlex Line of Credit product. This offer applies to EquityFlex standard rate line of credit products and cannot be combined with any other promotional EquityFlex line of credit offer. Offer only available at Fred Meyer locations of OnPoint Community Credit Union. Offer valid until 07/30/22 and subject to change.

5: OnPoint will charge 0.25% on standard fixed APR (annual percentage rate) consumer loans. This offer excludes line of credit products, mortgage products and refinancing of existing OnPoint loans. Automatic payment from an OnPoint checking or savings account is required. This offer applies to standard consumer loan rates and cannot be combined with any other promotional consumer loan offer. Offer only available at Fred Meyer locations of OnPoint Community Credit Union. Offer valid until 07/30/22 and subject to change.

6: APY = annual percentage return. OnPoint Community Credit Union will add 0.25% to Certificate of Deposit (CD) rates. This offer applies to all OnPoint CD products and cannot be used in combination with other CD promotional offers. Offer only available at Fred Meyer locations of OnPoint Community Credit Union. Offer valid until 07/30/22 and subject to change.

Promotion period ends July 30, 2022.

Click here for the official 2022 OnPoint Fred Meyer Branch Anniversary Prize Raffle Terms and Conditions.

SOURCE OnPoint Community Credit Union

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Midsomer Murders star reacts to big twist in Scarecrow episode https://fastpaths.com/midsomer-murders-star-reacts-to-big-twist-in-scarecrow-episode/ Sun, 29 May 2022 21:08:46 +0000 https://fastpaths.com/midsomer-murders-star-reacts-to-big-twist-in-scarecrow-episode/ Season 22 of Midsomer Murders resumed tonight (Sunday May 29) with Episode 4, The Scarecrow Murders, in which three people were brutally offended before being hung up as front men and women. **SPOILERS AHEAD** But in a shocking twist, it emerged there wasn’t just one killer raging, but a grand total of three: Naomi was […]]]>

Season 22 of Midsomer Murders resumed tonight (Sunday May 29) with Episode 4, The Scarecrow Murders, in which three people were brutally offended before being hung up as front men and women.

**SPOILERS AHEAD**

But in a shocking twist, it emerged there wasn’t just one killer raging, but a grand total of three: Naomi was killed by Rachel (real name Lisa), while her father and Reverend Oscar were murdered by Jack, and Thea was pounded to death by Samira.

Adele was next on their list, but the police managed to catch the culprits before they could do anything worse.

Speaking to RadioTimes.com, Nick Hendrix, who plays Detective Sergeant Jamie Winter, said: “The challenge with something like Midsomer is: how do you keep it the same, but also make it different every time? And often there is only one murderer who often killed one person by accident or by crime of passion and then they killed two other people to try to cover their tracks.

“And the idea of ​​having multiple murderers just makes it a little more interesting, I think, and a little trickier because sometimes it feels too easy – well, not easy, but too well put together when Barnaby and Winter join the dots. at the end, and it all comes together, so it’s really nice to have that different approach.

“We’re always trying to think of ways to break the tropes and break the template, but still keep it the same. We always have red herrings. Everyone’s basically a suspect. You don’t really have any characters that aren’t suspicious in some way so i thought that was good i thought that was smart and i hope we keep doing that, keep trying to reinvent the wheel .

Jaqueline Boatswain as Rachel Taylor. TVI

Naomi, Oscar and Thea were killed due to their involvement with Ventuity, an online casino founded by Adele. Naomi handled public relations, Oscar was one of the major shareholders, and Thea was the customer relations manager.

But while Ventuity had benefited the trio, fattening their pockets considerably, he had left the murderers’ lives in tatters.

Lisa’s son racked up so much debt that he committed suicide at the age of 20, while Jack’s father used payday loans to gamble with Ventuity, causing him to lose his house. He tried to quit, but the company wouldn’t leave him alone, just as Thea had given Samira a number of free bets, despite knowing she was desperately trying to break her destructive habit.

They met on an online forum and started joking about what they wanted Naomi, Oscar, Thea and Adele to do, before turning their shared fantasy into reality.

“The other thing with the show is that we try to always modernize and stay current while honoring history,” Hendrix said. “And by bringing in themes like that, like gambling addiction, there’s kind of a sweet nod to current issues.”

Simon Shepherd and Amara Karan in Midsomer Murders.

Simon Shepherd and Amara Karan in Midsomer Murders. TVI

Speaking about the series celebrating its 25th anniversary, Hendrix added: “Somehow, over 25 years and despite the number of episodes, Midsomer has managed to maintain the standard.

“We’re shooting one right now and it feels and looks and is written just as good and quirky and playful as any of the other episodes. From 25 years ago to now, they’ve managed to maintain that in a somehow, even though they’ve changed actors, changed producers, changed writers over the years.

“You know what you get with Midsomer. People sometimes like a little stability in what they watch on TV. I don’t know about you, but I still spend hours sitting in front of the TV [deciding what to watch].

“There’s a bit of stress and administration around it. And sometimes people just say ‘Midsomer is on’ and there’s no debating what it’s going to be, or if they’re going to be there. like it or not. They just know what they’re going to get.

“We like new and cutting-edge things, but people also like stability, people like a friendly face, a reliable, trusted source, and I think Midsomer is that.

“And also, everyone loves a thriller. Everyone loves trying to solve a mystery. It doesn’t need to be defined anywhere in particular. People love it.”

Check out more of our drama coverage or visit our TV guide to see what else is on tonight.

The latest issue of Radio Times magazine is on sale now – subscribe now and get the next 12 issues for just £1. For more from TV’s biggest stars, listen to the Radio Times podcast with Jane Garvey.

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