SPORTS

Smart Borrowing: A Comprehensive Guide to Choosing the Right Consumer Loan

Published

6 months ago

July 30, 2024

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When you are considering taking out a consumer loan, it is important to budget wisely and find the right type of loan that suits your financial situation. Start by reviewing your monthly expenses and income to get a clear overview of your financial situation. Be realistic in your estimates and set aside money for unforeseen expenses. Once you have your budget under control, you can start investigating different loan types, such as installment or interest-free loans, and choose the solution that best matches your needs and financial possibilities. Remember to obtain offers from several providers to find the best interest rate and the most favorable terms.

Understand the different consumer loan types

There are several different types of consumer loans, all of which have their own advantages and disadvantages. Some of the most common are credit card loans, payday loans and personal loans. Credit card loans are typically quick and flexible, but can have high interest rates. Quick loans are also quick to get, but often have even higher interest rates. Personal loans generally have lower interest rates, but require more documentation and take longer to get approved. Regardless of the type of loan you are considering, it is important to compare different providers and choose the loan that best suits your situation. Get the right consumer loan for you.

How to avoid hidden fees

When considering taking out a consumer loan, it is important to be aware of any hidden fees. Some lenders may charge unexpected or opaque fees, which can make the loan more expensive than you originally expected. To avoid this, you should always read the loan agreement thoroughly and ask your lender if there is anything you are unsure about. If you have an urgent need for cash, you can consider fast payday loansbut be aware of the total cost.

Pay attention to the interest rate level

The interest rate is one of the most important factors to take into account when choosing a consumer loan. The interest rate has a big impact on how much you will pay back overall. The higher the interest rate, the higher the total cost of the loan. It is therefore important that you compare the interest rate level with different providers and choose the loan with the lowest interest rate that suits your needs. Also pay attention to whether the interest rate is fixed or variable, as a variable interest rate can change over the term of the loan.

Borrow only what you need

It is important to only borrow the amount you really need. Consider your current and future expenses carefully before taking out a loan. Avoid borrowing more than you can repay as this can lead to financial problems. Talk to your bank or an independent advice center for help assessing how much you need to borrow. In this way, you can ensure that your loan fits your financial situation and your needs.

How to negotiate the best deal

When you have to negotiate the best deal for a consumer loan, it is important to be well informed and prepared. First, research different providers and compare their interest rates, fees and loan terms. Don’t be afraid to negotiate – many providers are willing to give you a better deal if you present your arguments in a clear and professional manner. Focus on getting the lowest interest rate and the most favorable loan terms that suit your needs and financial situation. Remember that the better deal you can achieve, the less you will pay in interest and fees over the term of the loan. READ FULL STORY HERE>>>CLICK HERE TO CONTINUE READING>>>

Credit rating: what does it mean for your loan application?

When you apply for a consumer loan, the lender will carry out a credit assessment of you. This is a thorough review of your financial situation, including your income, debt and credit history. The purpose is to assess your ability to repay the loan on time. The better your credit rating, the more likely it is that your loan application will be approved and that you will get the most favorable loan terms. If your credit rating is not optimal, it may still be possible to get a loan, but you may have to accept higher interest rates or other less favorable terms. It is therefore important to pay attention to your credit rating when you plan to take out a consumer loan.

Fast or flexible installment payment?

When considering a consumer loan, it is important to balance your needs for quick payment against the need for flexibility in repayment. Quick loans can be convenient if you need the money quickly, but they can often have higher interest rates and less flexible repayment plans. Flexible loans can allow you to adjust your repayments according to your financial situation, but they can take longer to be paid out. Carefully consider what best suits your situation and be aware of the different terms and conditions that come with the different loan products.

This is how you avoid getting into financial problems

To avoid financial problems, it is important to be aware of your expenses and keep track of your finances. Familiarize yourself with the total cost of a loan, including interest and fees, so you know what you’re committing to. Carefully consider whether you can afford to repay the loan, even if your financial situation should change. Make sure you have a buffer for unforeseen expenses. Be disciplined in paying your payments on time and avoid taking out more loans than you can handle. By being responsible and planning, you can avoid getting into financial problems.

Loan with consideration – your path to financial freedom

By borrowing wisely, you can achieve financial freedom. It’s about choosing the right loan that suits your financial situation and your needs. Carefully consider what you will use the money for and make sure you have a realistic repayment plan. Be aware of interest and fees so that you avoid unexpected expenses. Borrow only the amount you can afford to pay back and make sure you have a buffer for unforeseen expenses. By taking these precautions, you can achieve the financial freedom you seek.

2024-07-30 02:13:17
#Loans #consideration #guide #consumer #loan

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SPORTS

The Truth About the India Vs Nigeria 99-1 Match

Published

3 weeks ago

December 21, 2024

1oo9t

In one way or the other, almost every Nigerian has heard of the mythical match between India Vs. Nigeria that ended with 99 goals to 1 with India being victorious.

Before the advent of the internet, this story successfully thrived among Nigerians, but with the emergence of the internet and easy access to social media, the truth behind the India Vs Nigeria 99-1 match was revealed.

Though there are different accounts of the match, but they all have the following in common:

That the match ended with India scoring 99 goals and Nigeria scoring just one goal.
That Nigerians were unable to kick the ball because the football kept turning to a lion which scared them away…Click Here To Continue Reading>> …Click Here To Continue Reading>>
2. That Indians later agreed that if Nigeria could score one goal, they would concede defeat.
3. That Samuel Okwaraji scored the winning goal and lost his life in the process because the ball turned into stone as he was about to kick it.
4. That FIFA banned India from soccer because they used juju (black magic) in that match.
Why did people believe the India Vs Nigeria 99-1 match story?

Even with the absence of the internet back then, this kind of claims should be immediately recognized as lies, the kind of lies they call “big fat lies”. But most people like to acknowledge this story as true with the fact that no one has ever seen India play in an International Football Match. Since no one actually saw India participate in most international soccer games, this gave a little credence to the story.

Another reason this lie thrived for long was that credible information was not easily accessible in Nigeria unlike now that even a 4-year-old child can debunk false claims within minutes with the help of Google. This Nigeria Vs India match story would have been fabricated by one community elder to children during an evening gathering; that’s our take at OldNaija.

What Actually Happened!

On the 12th of August 1989, Nigeria lost one of her best footballers, Sam Okwaraji who died during a football match. We wrote about how he died on the pitch and you can read it here. Sam Okwaraji was the player rumoured to have lost his life in that game when in truth he died during a FIFA World Cup qualifying game against Angola in the 77th minute. He collapsed and died of cognitive heart failure. May his soul rest in peace. AMEN!

Samuel Okwaraji (circled)

So, that is the only truthful thing about the India Vs Nigeria 99-1 match story, the fact that a Nigerian player died during a football match. That is what these lies was fabricated around. The match was not against India, Nigeria did not lose the match and as you must have guessed, and there were no lions or ball turning into a stone.

Meme by Campus Bro

Nevertheless, one cannot deny that this kind of story made one’s childhood as a Nigerian. READ FULL STORY HERE>>>CLICK HERE TO CONTINUE READING>>>

Before we go,

Why was India Banned by FIFA?

India was never banned by FIFA. It was India that withdrew from the tournament themselves. Here is how it happened.

Fédération Internationale de Football Association (FIFA) made it clear to India that they would not be allowed to play in the 1950 FIFA World Cup without footwear.

Then something happened. You see, when determining the make-up of the 1950 World Cup, FIFA determined that obviously the two defending finalists, Brazil and Italy, would be guaranteed slots. That left fourteen slots that needed to be filled.

FIFA decided that seven of those slots would come from Europe, six would come from the Americas and one would come from Asia.

The problem was that of the four Asian teams that were invited to the World Cup, three of them (the Philippines, Indonesia and Burma) withdrew from the tournament before the qualification round.

Therefore, India earned an automatic slot within the World Cup. It would be India’s first time appearing in the World Cup but India, too, withdrew from the tournament because FIFA would not allow them to compete barefoot.

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SPORTS

SAD|| 10 Players Who Lost Everything After Divorce, Number 5 Will Shôck You

Published

2 months ago

November 5, 2024

1oo9t

The Hidden Financial Struggles of Footballers: Divorce’s Costly Toll

The glamorous image of professional footballers, with their luxurious lifestyles and multimillion-dollar contracts, often obscures a harsh reality: the financial devastation many endure through divorce. Behind the fame and fortune, several high-profile players have seen their wealth significantly depleted after parting ways with their spouses, a stark reminder that no amount of money can fully shield one of the financial pitfalls of personal relationships gone awry…Click Here To Continue Reading>> …Click Here To Continue Reading>>

One of the most shocking examples is that of former Arsenal defender Emmanuel Eboué, who lost not only his properties in England but also custody of his children following a bitter divorce. Despite earning millions during his career, Eboué found himself stripped of almost everything. His situation became a cautionary tale, underscoring that even the wealthiest footballers can fall victim to the financial ruin that divorce can bring.

Eboué is not alone. Football legends such as Thierry Henry and Ryan Giggs have also experienced significant financial losses due to divorce. Henry reportedly paid £10 million to his ex-wife, while Giggs parted with an astonishing £40 million after his marriage ended. Louis Saha and Wes Brown, both former Manchester United players, also suffered substantial financial hits, with Brown declaring bankruptcy despite earning £50,000 per week during his time at the club. His case highlights how even vast earnings can quickly evaporate when faced with legal settlements and financial mismanagement.

David James, the former England goalkeeper, faced a particularly dire situation, losing much of his fortune after divorce and being forced to auction his personal belongings to make ends meet. Similarly, Ray Parlour, another Arsenal great, saw his ex-wife receive half of his £10 million fortune, including a £2.5 million house. Jamie Redknapp, a former Liverpool star, also faced a hefty settlement, parting with half of his estimated £15 million fortune after his marriage ended.

These are just a few of the many footballers who have faced financial disaster due to divorce. Keith Gillespie, once a key figure in the Premier League, lost over £7 million, leading to his bankruptcy in 2010. Despite earning significant wages during his career, his divorce and poor financial decisions left him in financial ruin. READ FULL STORY HERE>>>CLICK HERE TO CONTINUE READING>>>

Perhaps the most shocking case is that of Tendai Ndoro, a Zimbabwean striker who lost everything after registering all his properties in his wife’s name. Following their breakup, she kicked him out of the house, leaving him with nothing. Ndoro’s story serves as a grim reminder of the dangers of not protecting one’s assets, even in relationships where trust is implicit.

For footballers, whose careers often peak early, these financial setbacks can be devastating. While their salaries are among the highest in professional sports, the combination of short career spans, legal fees, and divorce settlements can quickly erode their fortunes. Many players also face additional challenges in managing their finances due to a lack of financial education or oversight during their playing years.

These stories underscore the importance of safeguarding personal wealth, especially for high-earning individuals like footballers, who may be more vulnerable to financial upheaval. Proper financial planning, asset protection strategies, and prenups are increasingly necessary tools for protecting one’s earnings and securing a stable future.

In conclusion, while the public sees footballers as insulated by their wealth, the reality is that they are just as susceptible to the financial hardships of divorce as anyone else. The personal struggles behind the scenes reveal that their lives, though glamorous on the surface, are often fraught with the same vulnerabilities and challenges faced by ordinary individuals. These cases serve as sobering reminders that financial security is never guaranteed, even for those at the pinnacle of success.

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SPORTS

NFL | The best was yet to come, and then no

Published

3 months ago

October 12, 2024

1oo9t

In February 2022, the Bengals missed the Super Bowl by three small points, but regardless, the future seemed bright in Cincinnati.

Posted at 1:13 a.m.

Updated at 7:00 a.m.

In any case, that’s what we, the most seasoned experts in American football, believed, capable of seeing the future each season, often in a very impressive way; for example, this column has been predicting since 1970 that the New York Jets are not going to win the Super Bowl, and that’s still exactly what happens.

The Bengals have never won anything, but their presence on the big stage two years ago suggested that, a bit like the Nordiques in 1990, the best was yet to come.

Well, no.

As of this hour, the Bengals are a dismal 1-4, and even then, their only win came against the Carolina Panthers, who are about as bad as they are.

The good news for the Bengals is that this “landing” is fairly easily explained: their defense is pretty awful. The less good news is that it is probably already too late to try to solve this problem.

In five games, the Bengals have allowed a total of 145 points, which gives a pretty staggering average of 29 points per game. No one else in the American Association looks this bad, and in the league as a whole, only the Carolina Panthers are even worse in this regard.

Meanwhile, the Bengals are wasting the best years of Joe Burrow, who turns 28 in December. He wouldn’t be the first quality quarterback to waste his talent in this uniform.

Is it necessary here to remember that in American football, as in life in general, there is never anything certain? This reality reminds us of this sublime quote from Jean-Jacques Rousseau, who once wrote that “supreme happiness is a hundred times sweeter to hope for than to obtain”.

Rousseau must have been a Bengals fan, obviously.

You are probably aware that the New York Jets fired their coachbut that’s not the worst. The worst part is that poor Robert Saleh would have been escorted to the door like a pauper by security agents.

PHOTO MIKE STOBE, ARCHIVES AGENCE FRANCE-PRESSE READ FULL STORY HERE>>>CLICK HERE TO CONTINUE READING>>>

Former New York Jets head coach Robert Saleh

It’s undoubtedly one of the worst moments in the history of a club that collects the worst moments, from Mark Sanchez dropping a ball on his lineman’s pussy, to a visibly hot Joe Namath trying to to kiss a reporter live on TV (we’re going to move on to the naughty photo of Brett Favre because there are children here).

We can never repeat it enough: in football, as in life, everything starts from the top. The leaders of the Jets, who display a level of competence similar to that of the inventors of Pepsi Crystal, thus opted for the easy way, instead of realizing that their ground game is non-existent, and that their quarterback who hears voices in his head is finished.

In addition, barely installed, new coach Jeff Ulbrich decided to give control of the attack to assistant Todd Downing, who will call the plays from now on. This is not a detail because this task previously fell to offensive coordinator Nathaniel Hackett, close and confidant of Aaron Rodgers.

It’s obvious that this is going to end very badly. As per usual.

Someone whispers in my ear that the inbox is overflowing again, so let’s get to it right away.

First, Luc Girouard from Sept-Îles sends us this timely little comment: “Would Prince Rodgers have plotted to kick Robert Saleh out in order to take his place? »

We all see what you did, Luc.

Then, there is a certain Nicolas B. from Laval who sent this: “Hi Richard. Great weekly column on football. Really entertaining. In addition, you allow my teenagers to read about football in French, which is still a challenge […] If you ever make a reference to my comment, my sports travel gang is buying me a beer on our next trip. »

You will demand a micro beer, Nicolas. Finally, there is Marco Campanozzi who can no longer hear about “mixing” and the right chair: “I can’t do it anymore!!! »

We are Marco.

It will be another great opportunity to lock yourself in front of the TV while pretending to do something constructive, because Sunday’s menu is particularly spicy.

Thus, Commanders in a state of grace will go to Baltimore to prove that they are serious, the Chargers will go to Denver in the hope of recovering after two defeats in a row, and the Cowboys will host the Lions, in a match that they can’t really let slip away, just to build something following the little miracle last Sunday night in Pittsburgh.

Don’t forget to check out the colors during halftime.

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