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What to Do if You’re Short on Funds With No Credit
iQuanti: If you're in a cash crunch and have no credit, you may be wondering how to get the funds you need. Luckily, there are still plenty of options at your disposal. And even though it may be difficult to find online loans with no credit check, many lenders have less strict credit score requirements and approve borrowers with poor or no credit. If that sounds like you, you might want to try one of the following:
1. Find a co-signer with better credit
Consider finding someone you trust (and who trusts you) to be a co-signer on your loan application. This means they're taking responsibility for repayment of the loan if you default or can't fulfill your obligation. The loan will show up on their credit report also, so make sure you make all your payments on time.
Lenders will be more lenient with a no-credit borrower when they have a co-signer. Younger people with no credit often start their credit history with a personal or student loan co-signed by their parents. During the loan approval process, the lender will use the higher of the two applicant's credit scores to determine creditworthiness.
2. Search online for poor-credit loans
There are many online lenders who specialize in poor and no-credit loans. They work with people who have credit scores below the industry standard that many traditional banks require for personal loans. With these loans, you can have poor, fair, or no credit and still get approved. Spend some time doing online research and you should be able to find a good lender. Here are some types of poor-credit loans that may be available to you:
- Cash advances: These are short-term, small dollar loans that can get you a few hundred dollars to cover expenses before payday. You'll repay this loan in two to four weeks when you get your next paycheck.
- Title loans: With title loans, you can receive the funds you need using your car title as collateral. The lender will appraise your vehicle, then offer you a loan amount worth 25 to 50% of its value. You can keep driving your car while you repay the loan.
- Installment loans: Installment loans can give you a lump sum of money all at once. Then, you can repay what you owe over time in fixed monthly payments, or installments.
3. Ask your friends and family for some funds
No one wants to borrow money from friends and family, but financial distress is a real dilemma. If it comes down to asking for help or missing a rent/mortgage payment, ask for help. Reach out to friends and family, be sincere about your circumstances, and offer repayment terms you can afford.
Another approach here is to exchange labor for funds. Everyone needs some work done around the house. Mowing the lawn, painting a bathroom, or helping someone move are all tasks that could warrant some type of financial compensation. And maybe you can even turn that type of work into a side hustle to get you out of the financial situation you're in.
The bottom line:
Traditional banks and credit unions aren't the only places you can borrow money. Online lenders often specialize in poor-credit loans. You can increase your chances of approval by asking someone to co-sign for you. If all else fails, reach out to friends and family for help or come up with a side hustle where you can make some extra money.
Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125
Carolina Darbelles
Senior Public Relations Specialist
[email protected]
(201) 633-2125
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Original Source: What to Do if You're Short on Funds With No Credit
An Innovation to Stop the Spread of COVID, Flu, Colds, and More May Be...
Air-Clenz Seatback Vector Illustration
A vector illustration shows a cough stopped, captured, and cleaned by Air-Clenz\u2122.
Air-Clenz Systems™ (Air-Clenz™) was today granted a pioneer U.S. patent, U.S. 11,471,553, as part of the company's ongoing effort to make indoor air cleaner, safer, and healthier for all. The patent covers the back of all seats, chairs or benches used in any indoor venue or vehicle (including aircraft) in the United States when an air purifier or an Air-Clenz™ unit is integrated in or attached to the back of a seat, chair or bench. Additionally, it covers all types of electronic display screens when the electronic display screen acts to block and deflect exhaled air mixed with room air towards and into an air suction intake of an attached, integrated or associated air purifier or Air-Clenz™ unit. Additional patent applications are pending.
"Today is an important step in a two-year-plus journey for Air-Clenz™," explained company Chief Executive Officer Stuart Sheldon. "It recognizes the visionary thinking of our founder Dr. Ronald Blum, our Chief Scientist Anita T. Broach, PhD., and others to fundamentally change how the world approaches improving indoor air quality. This patent acknowledges that Drs. Blum and Broach were the first to figure out how to quickly stop, capture, and clean an exhaled breath, cough or sneeze within the first three to four feet from someone's mouth and nose, before it — and any possible airborne disease it may carry — can spread through the indoor space." When one sits behind a seat, chair or bench, or in front of an electronic display screen such as a desktop monitor, laptop or tablet, their exhaled air can be blocked and its forward motion stopped, allowing it to be quickly captured and cleaned by an air purifier or an Air-Clenz™ unit. In most cases, the distance from the back of a seat, chair or bench or the front of an electronic display screen is three feet or less from the individual's face, whose exhaled air is being captured and cleaned.
The World Health Organization (WHO) recently warned about the low vaccination rate in Europe and believes a new wave of COVID will soon spread across Europe, as well as an increase in influenza. While the BA.4 and BA.5 variants fuel increasing COVID rates in Europe, the BQ.1, BQ.1.1, and XBB variants are cause of concern in the U.S. and Canada, and BA.2.75.2 in India. Scientists and medical doctors warn that increased respiratory infections will occur this fall and winter in the U.S. COVID, influenza, the common cold, mumps, measles, tuberculosis and whooping cough are all transmitted by airborne infectious respiratory particles from one human to another.
Anita Broach, PhD, Air-Clenz™ Chief Scientist, said, "Because we can't see airborne viruses and bacteria, most people don't realize how easily they are spread by an exhaled breath, cough or sneeze — or by contaminated interior air flow being pulled towards the return of an HVAC [Heat, Ventilation, Air Conditioning] system, or the air intake of a conventional air purifier. Air-Clenz™ is the only known mask-free solution that quickly stops, captures, and cleans an exhaled air breath, cough or sneeze before it spreads throughout an indoor venue or vehicle. Air-Clenz™ can capture and clean an exhaled air breath, cough or sneeze to 99.97% pure in less than 10 seconds. Scientists and health professionals know that an exhaled air breath contains up to 100 micron and submicron particles traveling up to 3.5 miles per hour. A cough contains up to 10,000 micron and submicron particles at up to 50 miles per hour, while a sneeze contains up to 100,000 micron and submicron particles traveling up to 100 miles per hour."
In addition to blocking, quickly capturing, and cleaning exhaled air, Air-Clenz™ increases the clean air turns per hour (ACH) in a room or venue. Multiple highly reputable studies performed or reported by major universities, research institutes, and companies such as the Massachusetts Institute of Technology (M.I.T.), Harvard, Yale, the National Institute of Health (N.I.H.), and the Carrier Corporation have concluded that when indoor clean air quality is improved, not only can cross-airborne infection be reduced, but cognitive ability, productivity, and performance can be greatly enhanced.
Dr. Ron Blum, Chairman of Air-Clenz Systems™, stated, "We are most pleased and excited about the scope and strength of this new U.S. patent. It provides intellectual property protection for any air purifier or Air-Clenz™ unit that is attached to, integrated in or associated with the back of all types of seats, chairs or benches for any indoor venue, such as office, school, theater, house of worship, home, as well as any vehicle, such as automobile, truck, train, bus, subway, ship or aircraft. This patent also provides intellectual property protection for any electronic display screen, such as an electronic display screen attached to the back of an aircraft seat, the front of computer monitors, laptop computers, exercise equipment, gambling machines, etc., where the electronic display screen blocks and deflects a mixture of exhaled air and room air towards and into an air suction intake of an air purifier or Air-Clenz™ system that is attached, integrated or associated. Further, while Air-Clenz™ utilizes true HEPA filter technology, the patent covers all known possible ways of cleaning and/or purifying indoor and exhaled air. We have been most diligent in protecting our intellectual property. The combination of U.S. 11,471,553 and 11,324,850 now provides Air-Clenz™ with solid patent protection. In addition, Air-Clenz™ has numerous additional patent applications filed and pending in the U.S. and around the world."
About Air-Clenz Systems™
Air-Clenz Systems™ (Air-Clenz™) (www.Air-Clenz.com), based in Atlanta, Georgia, was launched by success-proven inventors, scientists, and collaboration partners attempting to solve major global challenges caused by the coronavirus pandemic, with an eye to benefiting the global population at large. Air-Clenz's proprietary technology and approach are directed at the quick capture and cleaning of airborne particles from exhaled air before they can disperse within an indoor room and be transmitted to others. The technology can be adapted to work in most indoor venues where individuals are seated, including schools, offices, houses of worship, learning institutions, theaters, and vehicles of all types, including aircraft.
The Air-Clenz™ approach to business is that of licensing and/or selling its IP, after having invented, developed working prototypes, proven and protected its intellectual property.
Contact Information:
Stuart Sheldon
CEO
[email protected]
+1 404-754-4004
Related Images
Air-Clenz Seatback Vector Illustration
A vector illustration shows a cough stopped, captured, and cleaned by Air-Clenz\u2122.
Air-Clenz Computer Monitor Comparison
Computer model illustration shows the significant difference in the spread of an infectious cough without (left) and with (right) Air-Clenz\u2122.
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Original Source: An Innovation to Stop the Spread of COVID, Flu, Colds, and More May Be Right in Front of Your Face
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Nantucket Spider Partners With Rainforest Trust to Help Protect Rainforests
WILTON, Conn. - October 18, 2022 - (Newswire.com)
Nantucket Spider, a leader in the natural outdoor and home goods space, has committed to donating 2% of the proceeds of each item it sells online to support rainforest and endangered species habitat conservation with Rainforest Trust's Conservation Action Fund. The fund is used to support and protect endangered species, threatened rainforests and other tropical ecosystems around the world. Rainforest Trust is one of the world's most effective conservation charities with over 40 million acres of rainforest protected to date.
Nantucket Spider has been a leading innovator in the natural insect repellent market for nearly 10 years, with sustainability and transparency at the forefront of their business. More recently, the company has expanded into the zero-waste cleaning product space, adding an innovative plastic-free line of natural cleaning products and laundry detergent under the product line name "Nantucket Footprint."
"We are mindful that the most humble creatures with the smallest footprints are impacted every day by the choices we all make." - Nancy Jack, CEO and Co-Founder
Earlier this year, the company announced its Plastic-Free by 2025 initiative. Already packaged and sent to customers in biodegradable bags, their bug repellents will be packaged in aluminum bottles starting this year, reducing plastic use and improving recyclability. This past summer, Nantucket Spider announced that they have become a fully remote company, thereby reducing their internal greenhouse gas emissions to zero. They are also working with their trade partners to further reduce emissions with sourcing.
Sustainability, Packaging & Ingredients:
Nantucket Spider's products are all made with the lowest toxicity ingredient choices on the market and are packaged in recycled, recyclable, compostable and/or biodegradable packaging. Their latest line of cleaning products, Nantucket Footprint, are packaged without water and without plastic.
Nantucket Spider's Mission
The company's mission is to create natural products using the highest-quality ingredients, the lowest toxicity, and the least amount of waste possible.
"We are committed to leaving the planet better than we found it for the future of the environment and for the future of our children. Subsequent generations should live in a safe, environmentally stable world, and we know that we can play a part in what that world looks like." - Nancy Jack, CEO and Co-Founder
Join the conversation:
Instagram: https://www.instagram.com/nantucketspider
Facebook: https://www.facebook.com/Nantucketspider
Contact Information:
Raymond Vanderpool
+12034233031
Press Release Service by Newswire.com
Original Source: Nantucket Spider Partners With Rainforest Trust to Help Protect Rainforests
