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    15Oct, 2022
    Tinactin athlete’s foot spray antifungal liquid spray – 4.6 oz

    An athlete’s foot is an infection, also called tinea pedis. Suppose you are worried about your cracked feet skin. Or, if you are a Sportsman, your workload affects your foot and finger with fungus. So don’t worry Tinactin Antifungal Athlete’s Foot Cream gives you relief from all types of foot infections. It gets you rid of cracks, burning, and itching issues. It offers solutions for the smelly foot. Tinactin Antifungal Athlete’s Foot Spray is perfect for athletes and sportspeople and suitable for working ladies. Many health specialists recommend  Spray because 1 % tolnaftate is available in it, and it’s suitable especially for athletes. Due to the heavy load on your foot, many fungi invade your fingers. The weather also affects our foot’s skin, especially in sweaty weather. The timely use of Tinactin  Antifungal Deodorant Powder gives you first-aid treatment for your feet. Foots is a significant part of our body. Nearly all of our activity depends on them. So we should take serious notice if we find any symptoms like this.

    Where to Buy Tinactin athlete’s Foot Spray

    So if you’re facing that kind of symptoms, we recommend Tinactin Athlete’s Foot Spray Antifungal Deodorant Powder. Many stores offer this product, but the lowest price is only available on Walmart.com. You can Pick it up from the Walmart store or get it on your doorstep through Walmart’s home delivery service. Please open this link to buy this product.

    Tinactin athlete’s foot spray antifungal liquid spray – 4.6 oz

    Source www.walmart.com

    What are the symptoms of an Athlete’s foot

    • Itching
    • Burning
    • Scaling
    • Inflammation
    • Cracking
    • Discomfort

    And the solution to the symptoms mentioned above is only Tinactin athlete’s foot spray antifungal liquid spray.

    Ingredients in Tinactin Spray

    Active ingredient: Tolnaftate 1%
    Purpose: Antifungal

    Inactive ingredients:
    Butylated hydroxytoluene, isobutane, PPG-12-but-16, SD alcohol 40-B (29% v/v)

    Tinactin athlete's foot spray antifungal liquid spray - 4.6 oz

    Directions For Tinactin  Antifungal Deodorant Powder

    Wash the affected area and dry it thoroughly.
    Shake well before using
    and store medicine in a safe place to avoid children’s reach.
    Give value to your feet; Use well-fitted foot products, aired shoes, and washed socks daily.
    If the symptoms remain intact, then refer to your doctor immediately
    Use two to three times daily for best results (morning and night).

    Gives You  Effective Treatment  From

    • ITCHING 
    • BURNING
    • CRACKING

    More Information

    Store between 20°C to 25°C (68°F to 77°F).

    27Sep, 2022
    PURINA PRO PLAN HIGH PROTEIN CAT FOOD

    Fill your cat Menu list with Purina Pro Plan, including all significant ingredients like chicken and rice. Formula adult dry cat food to give her a unique taste of food. It is a premium cat food, and it contains high-quality ingredients in it. This formula especially creates for a specific purpose. Purina pro plan high protein cat food contains real chicken gives cat muscle strength. It also strengthens the cat’s heart. Purina pro plan high protein cat food chicken and rice include 36 percent protein to fulfill your cat’s nutritional needs. This formula support digestive and immune health of the cat. Vitamin A and linoleic acid, an omega-6 fatty acid, give health to your cat’s heart.

    Where to buy PURINA PRO PLAN HIGH PROTEIN CAT FOODS

    o we know you love your pets a lot. You look after your cats with their food and other things. Food plays a vital role in a pet’s life. You don’t need to compromise on it. We highly recommend, please, you buy this product from Walmart.com. With the pickup and home delivery service, Walmart also guaranteed the lowest price. So please click the link to buy this fabulous product,

    Purina Pro Plan High Protein Cat Food, Chicken and Rice Cat Food, 16 lb. Bag

    Specifications

    Life stage -Adult
    Primary Flavor -Chicken
    Primary Brand – Purina
    Weight – 16 LBS

    PURINA PRO PLAN HIGH PROTEIN CAT FOOD

    Additional Features Line – Pro Plan
    Grain Free – No
    Food Form – Dry
    Primary Flavor – Chicken
    Live Food -No
    Life stage – Adult
    Item Dimensions
    Length – 3.5 IN
    Height – 22 IN
    Width -14.75 IN
    Depth -3.5 IN

    INGREDIENTS Contains

    Purina pro plan high protein cat food formula contains premium quality ingredients. Here is the list of ingredients
    Chicken – Rice – Corn Gluten Meal – Poultry By-Product Meal – Wheat – Flour Egg Product (Dried) – Beef Fat – Soy Protein Concentrate – Natural Flavors – Fish Meal – Inulin – Potassium Chloride – Phosphoric Acid Calcium Carbonate – Salt – Caramel Color – Choline Chloride

    FAQs

    Q: – is Purina pro plan cat food a high protein food?
    A: – yes is Purina pro plan cat food a high protein food.
    Q: – What is the brand name of this product?
    A: – PURINA is the brand name of this product.

    28Jul, 2022
    US economy shrinks for second quarter, raising fears of recession

    Washington — The US economy shrank for the second straight quarter from April to June, contracting at a 0.9% annual pace and raising fears that the nation could be approaching a recession.

    The Commerce Department on Thursday reported a fall in GDP – the economy’s biggest gauge – after a 1.6% annual decline from January to March. Successive quarters of falling GDP is an unofficial, though not definitive, indicator of a recession.

    Last quarter’s GDP report pointed to weakness in the economy. Consumer spending slowed as Americans bought fewer goods. Business investment fell. Inventory declined as businesses slowed to recharge their shelves, reducing GDP by 2 percentage points.

    Higher lending rates, a result of a series of Federal Reserve rate hikes, stymied home construction, which shrank at a 14% annual rate. government spending also fell

    The report comes at a critical time. Consumers and businesses are struggling under the burden of penalizing inflation and high credit costs. On Wednesday, the Fed raised its benchmark rate by three-quarters of a point for the second time in a row in its push to conquer the worst inflation outbreak in four decades.

    The Fed is hoping to achieve a notoriously difficult “soft landing”: an economic downturn that manages to rocket prices without triggering a recession.

    In addition to the United States, the global economy is also grappling with high inflation and weak growth, especially after soaring energy and food prices following Russia’s invasion of Ukraine. Europe, heavily dependent on Russian natural gas, is particularly vulnerable to recession.

    In the United States, rising inflation and fear of recession have eroded consumer confidence and raised concerns about the economy, sending disappointingly mixed signals. And with November’s midterm elections looming, Americans’ discontent has eroded President Joe Biden’s public approval ratings and could increase the likelihood that Democrats will lose control of the House and Senate.

    Fed Chair Jerome Powell and several economists have said the economy looks somewhat weak, suspecting it is in recession. Many of them, in particular, point to a still-strong labor market, with 11 million job openings and an unusually low 3.6% unemployment rate, to suggest that a recession, if any, will occur. So not here yet.

    “The back-to-back contraction of GDP will fuel the debate as to whether the US is in recession or heading into recession soon,” said Sal Gutierri, senior economist at BMO Capital Markets. “The fact that the economy generated 2.7 million. Payrolls in the first half of the year would seem to argue against calling for an official recession for now.”

    Still, Guatieri said, “the economy has rapidly lost steam due to four decades of high inflation, rapidly rising borrowing costs and a general tightening of financial conditions.”

    Meanwhile, Congress is moving toward approving action to fight inflation under a deal announced Wednesday by Senate Majority Leader Chuck Schumer and West Virginia Democrat Sen. Joe Manchin. Among other things, the measure would allow Medicare to negotiate drug prices with drug companies, and the new revenue would be used to lower costs for seniors on drugs.

    In the wake of Thursday’s second straight negative GDP report, Biden played down the news, pointing to consistently low unemployment and strong hiring.

    In a statement, the president said, “After last year’s historic economic growth – and regaining all the private sector jobs lost during the pandemic crisis – it is no surprise that the economy is slowing as the Federal The reserve serves to reduce inflation.” “But while we are facing historic global challenges, we are still on the right track and we will come through this transition stronger and more secure.”

    The first of three estimates of the government’s GDP for the April-June quarter is much weaker than the economy’s 5.7 per cent growth achieved last year. It was the fastest calendar-year expansion since 1984, showing how strongly the economy bounced back from the brief but brutal pandemic recession of 2020.

    But since then, the combination of rising prices and higher borrowing costs has taken a toll. The Labor Department’s Consumer Price Index rose 9.1% in June from a year earlier, a pace not matched since 1981. And despite widespread wage increases, prices are rising faster than wages. In June, average hourly earnings, after adjusting for inflation, declined by 3.6% from a year earlier, the 15th consecutive year-on-year decline.

    Americans are still spending, though at a much slower pace. Thursday’s report showed consumer spending grew at a 1% annual pace from April to June, up from 1.8% in the first quarter and 2.5% in the last three months of 2021.

    Spending on goods such as appliances and furniture, which rose as Americans sheltered at home at the start of the pandemic, dropped at a 4.4% annual rate last quarter. But spending on services, such as airline trips and dinner out, grew at 4.1%, indicating that millions of consumers are venturing into more.

    The economy actually grew at a 7.8% annual pace in the April-June quarter, before accounting for rising prices. But inflation wiped out that gain and then produced some more negative GDP numbers.

    Against that background, Americans are losing confidence. Six months from now, their assessment of economic conditions fell to their lowest level since 2013, according to the Conference Board, a research group.

    Fed hikes have already driven higher rates on credit cards and auto loans and more than doubled the average rate on 30-year term mortgages to 5.5 in the past year. Home sales, which are particularly sensitive to changes in interest rates, have fallen.

    Even as the economy recorded negative GDP for the second consecutive quarter, many economists do not consider it to constitute a recession. The definition of recession that is most widely accepted is set by the National Bureau of Economic Research, a group of economists whose Business Cycle Dating Committee defines a recession as “a significant drop in economic activity which The economy is spread out and lasts longer than a few months.”

    The committee assesses a number of factors before publicly declaring the death of economic expansion and the birth of a recession – and it often does very well after the fact.

    “If we are not in a recession yet, we soon will be,” said Joshua Shapiro, chief US economist at economic consulting firm Maria Fiorini Ramirez Inc. For a soft landing or any other kind of happy ending.”

    28Jul, 2022
    Ezekiel Elliott may have his last stand with the Cowboys due to his bloated contract

    Oxnard, California — Ever since Dallas Cowboys Put signature on Ezekiel Elliot As one of the worst running contracts in recent history, it felt like a clock was ticking when he left.

    It set up Goonj, a training camp on Wednesday, which has a familiar story from a year ago. Something like this: What can this team expect out of Ezekiel Elliott this season, and how long can he wait to live up to his elite salary?

    Last season’s reply was promising early on, until Elliott suffered a partially torn PCL in Week 4, which eventually turned into a disappointing drop in the remaining three months of the schedule. Elliott remained on the field due to injury, but he looked nothing close to his best level of play.

    The result was an off-season amplification of two questions that were destined to weigh on Elliott when he signed his Six-year, $90 million expansion in 2019: How long can Elliot run after an aristocrat, and when does that answer come at the crossroads with his salary?

    For some, that intersection is already here. And the result has been a training camp where it’s fair to question whether 2022 is the beginning of the end of his time in Dallas, a point he’s not contemplating despite the questions circling around him.

    “I think it’s a big season, but you can’t look too far down the road,” Elliot said of his future. “I find that if I focus on every day, if I focus on a good day of camp, if I focus on taking it week after week, I feel everything by itself. And I don’t think there’s really any reason to look so far down the road. I think I’ll be in pretty good shape at the end of the season if I manage my business every day.”

    The Dallas Cowboys, who run back Ezekiel Elliott, have struggled to extend their contract since signing in 2019. (AP Photo/Tony Gutierrez)

    The Dallas Cowboys, who run back Ezekiel Elliott, have struggled to extend their contract since signing in 2019. (AP Photo/Tony Gutierrez)

    Will Zeke face the same fate as other big-money RBs?

    Regardless of whether he’s thinking about it or not, the justification for questioning Elliot’s deal won’t go away any time soon. Partly because the Cowboys have another running back in Tony Pollard, who has shown great playing ability at times in more limited use. Also because Elliott’s contract was set up for scrutiny from the start, thanks to elite ongoing deals turning into franchise warts. It began with the continuing backdrop of the Todd Gurley debacle with the Los Angeles Rams – That turned a four-year, $60 million expansion into an unforgettable disaster for the franchise,

    It didn’t stop there, essentially all of Elliot’s other high-paid RB contemporaries were struggling to live up to their deals. To date, the Carolina Panthers have failed to make a comeback on Christian McCaffrey’s four-year, $64 million extension. Behind this, the Arizona Cardinals began trying to leave after signing David Johnson’s three-year, $39 million extension for one season. Even Alvin Kamara’s five-year $75 million extension from the 2020 season is already on the edge of some criticism, given his health issues in 2021 and a Off-field incident that could cost him suspension this season,

    All have been a story supporting an ideology that has taken strong roots across the league. One who suggests running a back window should either be confined to their rookie deals, then approached in detail by running a hard deal and structuring a contract with an easy exit.

    Dallas didn’t do the same to Elliott, much to the chagrin of a fan base that has grown frustrated with a player whose best output came in his first four seasons and then faded after 2019. Now he enters 2022 with back-to-back looks. Injured or ineffective playing season and with Pollard pushing for more touch in the backfield.

    Some of the circumstances surrounding Elliott didn’t help at times, such as Duck Prescott’s season-ending injury in 2020 and the subsequent offensive line implant. Elliott also played through a PCL injury last season, during which he could lock himself to a stretch instead of grinding whatever he could while playing the thankless role of a top-shelf blocker in the backfield. was.

    Contract will complicate Dallas decision

    Just being available isn’t going to change the reality of expectations this season, when Elliot is entering a “bounce-back or again” measuring stick. At least, that’s what it looks like. It’s worth noting that their economics are not as simple this season as they will be a year from now.

    While the next season of Elliot’s potential release has already gained traction before entering this camp, the numbers aren’t as cut and dry as it seems. Yes, he has a non-guaranteed base salary of $10.9 million in 2023. But he also has $11.86 million in various bonuses, which will accelerate the salary cap in the form of dead money when traded or released next season.

    At the base level, the money versus talent question is simple. The Cowboys can get rid of Elliot and impose a cap charge of $11.86 million, or they can keep him and impose a cap charge of $16.72 million. Pressing those two numbers against each other, it comes down to whether Elliott is worth carrying an additional $4.86 million in 2023. And if he’s not, what kind of player is replacing Elliott on the roster in 2023 for just $4.86 million.

    “The question is whether he is still in decline this year,” a league source said of Elliott. “He looks like a player in the fall. If that’s what he is, he might not be a mediocre person by the time you make that decision. If he kills it this year , so obviously you know the answer, because you won’t find a better player than [$4.86 million] to replace him. But if he refuses again this year, it doesn’t matter how much money you save or not. At that point it’s better to just take the save and move the opportunity to a player who can do more with it. ,

    That yoga right there – He That is the question the Cowboys have to grapple with.

    How good can Elliot be in 2022, and what is the replacement cost in 2023? Those questions are about the next two seasons instead of just this one. Dallas knows this. And that’s why they keep using whatever language they can about why it’s still important to the coaching staff and front office team.

    That’s why no one competes like Zeke, says Stephen Jones, chief of player personnel, “as if it’s a data point that makes up the difference between performance and pay.”

    This is why head coach Mike McCarthy calls him a “keystone player” who does “all the extra little things”, because he knows that Elliot lacks the big statistical “stuff” that would have made it easier to justify his salary. Is.

    The Cowboys are looking for reasons to keep Elliot in the fold until he returns to the style of play that eventually demands his place in 2023. If he can do that, there is some financial sense to justify it. If he couldn’t, he would have decided cowboys for them, regardless of what was to blame this time.

    Dallas Cowboys head coach Mike McCarthy (right) continues to voice his support for Ezekiel Elliott, while questions are being raised about Elliott's future with the team. (Photo by Cooper Neill/Getty Images)

    Dallas Cowboys head coach Mike McCarthy (right) continues to voice his support for Ezekiel Elliott, while questions are being raised about Elliott’s future with the team. (Photo by Cooper Neill/Getty Images)

    28Jul, 2022
    How Beyoncé’s 2013 self-titled album changed the music game

    Photo-Illustration: Vulture / Getty Images

    In the launch episode of Vulture’s new Culture podcast in itHost Sam Sanders kicks things off in an appropriately critical fashion by discussing Beyoncé’s business with music journalist Danielle Smith, the former editor Feeling And Board and host of podcasts black girl songbook, Here’s Sam, from the episode:

    13 December 2013. Dear listener, do you remember where you were? That was the day Beyoncé’s self-titled fifth album Fell From Heaven, Out of Nowhere It Sounded Like It, on a Friday. All 14 songs and even more music videos in one go. It was a moment – a global phenomenon. Beyoncé, the album became the fastest-selling album of all time on iTunes, and it almost immediately reached #1 in over 100 countries. And if you think about it, it established Beyoncé as the most daring and innovative executive in the music industry. So ahead of the release of Beyoncé’s latest album, RenaissanceOf course, we thought we’d take this moment to look back on that 2013 release and the moment Beyoncé broke almost every rule in the biz and changed the whole game. She did it all without a rut, a feat she couldn’t accomplish This week with his latest album.

    You can read their conversation below, and be sure to watch the full episode of in it – available wherever you Received Your Podcasts — For More Information, On including Tributes to Women love island ukA focus on whether Bowling for Soup had whitewashed the ’80s in his song “1985“And a debate on ventriloquist Kendrick Lamar.

    in it

    A Vulture podcast featuring Sam Sanders

    Sam Sanders: The same year Beyoncé released her self-titled album, 2013 saw several big-name artists like Katy Perry and Eminem leak their albums online. did. “Well, when these leaks happen it’s usually physical CDs going from the press to the stores,” said his team at Parkwood. So she says, “Well, we can stop leaks if we don’t do physical CDs.” That’s why it was only on Apple iTunes in the first place, right?
    Daniel Smith: Yes, that’s why. Sometimes CDs leaked during shipping to shops, but this also happened after the files were shipped to the manufacturing plant. Because once something exists as a file-

    It is out. it’s all over. it’s done.
    Yes, it’s totally out.

    Then to make sure she really surprised everyone, she released the album on Friday, when everyone at the time was putting out their albums on Tuesdays. She said, “I’m not doing it this way. I’m doing it that way.” And then because she couldn’t do a traditional press rollout because of the amazing nature of it all, she and Parkwood called Facebook and Instagram and said, “Would you give these videos of me a big push saying that the album Here it is. The day it was released?” And he just said, “Yeah, sure,” For Beyoncé. It is a great thing.
    And it was such a co-sign, if you really think about it, of social media. It was a star of his stature basically saying, “That’s where my fans are. This is where the conversation takes place. This is where the original and new marketing is happening.” This is back when Beyoncé only had 8 million followers. He has about 270 million right now. But she knew, she and her team knew, that this is where Beyoncé fans lived, and she went where they were.

    Everything else was pretty traditional. Very few artists or labels were aware that something had to change. Right now, if you look at the media plan or the marketing plan or the album release plan, the first sentence – if not the first words – will be about social media. But at that time, it was still not so. People were still talking about breaking songs on the radio.

    I remember people going to Ryan Seacrest’s morning radio show like, “Ryan, here’s my new song. Will you play it now?” And Beyoncé added, “We’re not doing that anymore.”
    In 2013 no one wanted to believe that social media was going to be social media, It was changing everything, but so many label pros, so many radio professionals, so many singer-songwriters, just didn’t want to believe it was going to be anything but a side dish. As we now know, it is the main dish. Beyonce knew this and took advantage of it from the very beginning.

    Beyoncé knows how to cook, right?
    a complete meal. And she kicked it too, because she was like, “I’m pretty sure of myself.” This is what makes him so seductive and sexy as an artist. She’s like, “I’m pretty sure of myself. I’m not making 12, 13, 17 songs, then the ones that I think are the best, and then there are the ones I really want to pursue and quote. Going to make a Bachelor single. No, I’m not going to do that. All my songs are awesome.”

    “I’m going to make a video for every single song, and I’m going to put it out the same day. I’m not going to parse it for you. I’m not. I’m going to strangle you all with my stuff You loved it for the audacity as much as you loved it for the art.

    Can you talk about how the industry changed for artists and labels after Beyoncé introduced the idea of ​​a surprise album drop?
    It changed everything. I think some people, some artists, some label executives still didn’t want to believe. I think some people wanted to think, Oh Well, It Might Be Different For Beyoncé Because She’s Beyoncé, without giving credit for changing the whole game. What he allowed the artists to do was, apparently, to take entire tribes of people out of the picture. And not only on the label. These things used to be called magazines. I used to run them, at least two. There was a whole dance where you got to get advance CDs and listen to them and compare them: well, which of these albums is going to help us sell the most magazines? We were third party. We were among the artist and the fans. And Beyoncé said, “I don’t want any of that.”

    The surprise album release was so good, so important, so industry-shifting that, the following year, Harvard Business School case study on, One of the big things driving home is that Beyoncé didn’t depend on anyone for anything else. The traditional relationship between an artist and a label is that you have to rely heavily on the label – and they call the shots. But Beyoncé took away a lot of the power that a label usually has.
    Yes. Labels used to have so much more control. People would sit in marketing meetings, a room full of 15, 20, 30 people listening to an artist like Beyoncé, and just go around the conference table and decide what was single. It literally doesn’t happen anymore, and Beyoncé is a big part of it.

    In some ways, what she was doing was already happening. Little artists were saying, “Oh, there’s MySpace, there’s SoundCloud, these are all different things. I can just push a button and get out my music and release my music to my fans. Regardless. Whether I have 16 fans, 1,600 fans or 16,000 fans, I have control.” And Beyoncé said, “Listen to me, I’m going to do it for myself in a way that no one will be able to believe. No one will say anything about it. No one knows it’s coming. I m Christmas I am going to shut down this whole world at the time.”

    We’ve talked a little bit about how Beyoncé changed the road map for other artists, but I wonder what did that infrastructure, let’s call it old industry, do after Beyoncé? How the traditional music press has adapted after Beyoncé quickly said, in a jiffy, “We need a lot less than you thought.”
    Oh, Sam, do you know what I like about you? Your optimism, and the fact that you really think someone has adapted.

    tell me more.
    I don’t know if the industry has completely adapted, be it the recording industry or the media industry. I wish I could say they had. I think there’s a lot of nostalgia for how things used to be. As in the Motown era, when jazz and blues were completely controlled, there was nostalgia in the label and some sections of the media. Oh, wasn’t it great when we could decide when people’s jazz albums were coming out and blues albums were coming out? Wasn’t it great when we could decide whether to put a jazz artist or a blues artist on the cover of our magazine?

    Now people are longing for the days when terrestrial radio was the biggest player in the game. And so letting it go, it’s hard to imagine, oh my god it’s really changed, Let’s really start thinking about things differently. Let’s stop acting like the intern is a social-media consultant.

    that part.
    come on.

    I also think of the things we can see with RenaissanceRelease the “more traditional” and say, “Oh, that sounds old-timey.” No, it really isn’t. When she announced the album, she did with this wide spread British Vogue, You read that piece, and you look at those images, and you realize that Beyoncé has completely changed the relationship between an artist and a magazine. British Vogue, She was in charge. He was happy to have her time, and wrote that article as it is. They were working for him. The power has turned off.
    It’s completely overturned. Beyoncé has me on record talking about how, right at the time Destiny’s Child was at its most popular, she was told truthfully and accurately by her publicists that editors had them on the covers of their magazines. There was no room for them. , So there is a feeling,
    Didn’t you tell me I can’t be on the cover? Didn’t you tell me that it was not allowed for me, that historically there was nothing that was done? And I know it must have seemed somewhat right to her that she’s wielding this power in places that tell her it’s not there.

    We must consider Beyoncé not only as a music artist, but also as a business executive. How would you call Beyoncé executive in a sentence?
    People talk about Ford, they talk about Nike, they talk about Coke and Pepsi, and they should talk about Beyoncé. I think she is not even in the middle of where she is going.

    Excerpts from this interview have been edited and condensed.



    see all



    According to Harvard Business School Case StudyParkwood and Facebook “agreed that fans of the music on Facebook — in addition to the millions who ‘like'” Beyoncé’s page — would see an announcement for the album as soon as it became available on the album.
    iTunes” and that “the album will also be featured prominently on Facebook’s music page and related
    Channel. Plus, Beyonce was supported by an ad campaign run by Facebook and early access to the company’s then-new Autoplay Video feature.

    28Jul, 2022
    I know I should invest my money, but it worries me

    Photo-Illustration: The Cut: Photo: Getty Images

    I’ve been saving money little by little since my 20s, and now I have about $40,000 in cash (I’m 32). I keep reading about how I should invest it for retirement, but I’m too scared to do so. I know nothing about investing, and it mostly sounds like gambling to me. (Also, my parents lost a bunch of money in bad investments when I was a kid. They let my uncle invest his money, which was probably the main problem, but it was bad. They still retired Couldn’t happen.)

    I know that inflation has already reduced the value of my savings, and I could have avoided it if I had put my money in the market. Or maybe not? I keep hearing that the market is more turbulent right now, so maybe I should wait a little longer. I don’t even know how and where to start. What is the safest way for me to do this? Any other tips for nervous first-timers?

    I am impressed by your self-awareness. Many people are terrified of investing their money but can’t explain exactly what it is – usually because they don’t understand how the process works. And who can blame them? I’m not here to make you or anyone feel bad about this. The stock market is complex and full of unknowns. It worries people for a good reason: It’s out of their control. Keeping your money in your bank account where you can see it may seem less risky.

    But in reality, the opposite is true. There is only one thing that is certain about maintaining your long-term savings. out The downside of the market is that its value will decrease over time. In 30 years, you’ll be worth $40,000 less than half of its current purchasing power, even though inflation remains at a modest 3 per cent (it is currently at 9 per cent). This is a huge risk to take with your money! But if you invest it in the right way, Its growth will outpace inflation A far less risky decision, objectively – by even the most pessimistic estimates.

    To determine your next steps, I spoke to two certified financial planners who have experience with clients in your position. We’ll get to his advice in a minute. First, I’d like to address your parent’s history with investing, which made you understand.

    Everyone’s relationship with money is determined by their childhood experiences, good or bad. (My dad bought a new TV when I was 8 and was worried we couldn’t afford it – these moments affect us deeply.) Let your parents know about their savings. It was a big event to see getting lost in a bad investment. Clearly influenced your outlook on money in adulthood. In your shoes, I would be too afraid to invest. But that fear is actively harming your future financial security.

    Three things can help you process it: education, exposure, and professional support. By learning more about investing (and trying to do it yourself), you’ll feel more confident about avoiding your parents’ mistakes. you can also consider Meeting with a Certified Financial Planner who specializes in clients with difficult financial histories and/or concerns about money. (Planners who are trained to manage the psychological aspects of personal finance are often referred to as “integrated financial planners” and you XY Planning Network,

    Now for more specific advice on your $40,000. Your first step is to determine who you should hire your emergency fundSays Manisha Thakor, a certified financial planner and founder of MoneyGen. Ideally, you want about four to six months of living expenses to be deposited into a high-yield savings account. This is for worst case scenarios such as losing your job, being in an accidental accident, etc. Put that aside, and know that it’s there to keep you safe.

    Next, you’ll want to figure out how much to invest. “I always ask my clients, how much money do you have that you won’t need to spend in the next five years?” Thakur says. “That’s the money you’re going to put into the market.” It’s okay if that number is small to begin with. The longer your timeline, the more your investment will grow. It also gives you a discount if the market goes down. You always want to be in a position where you can exit turbulent periods without withdrawing cash and incurring losses. (Your emergency fund also ensures you have enough cash on hand when you need it.)

    now you have to decide How You are going to invest it. Assuming your annual income is less than $144,000, you Qualify to Open a Roth IRA, which is a specific type of retirement account for money you’ve already paid taxes on (that is, money you’ve saved from your paycheck). This is a great place for you to start. The maximum amount you can put into a Roth IRA this year is, According to the IRS, is $6,000. Go for the max – you can afford it! Unless you’re ready to take it out, ideally in retirement (according to IRS rules, you have to leave it in the account for at least five years, but you already plan to do so). , for reasons we covered).

    There are several ways to open a Roth IRA. But for the sake of simplicity, Stephanie Jenkin, a certified financial advisor and owner of My Financial Planner, recommends doing so at Vanguard, a low-fee investment-management company with a very user-friendly website. (Thakor is also a fan of Vanguard; full disclosure, I keep my IRA there, too.)

    From there, Thakore recommends investing in a target-date fund, a broad mix of thousands of different stocks and bonds, designed to “mature” closer to your retirement age. Simply put, its content is selected to prioritize growth when you’re young and then evolve to prioritize sustainability as you get older. This ensures that when you are ready to retire and start taking distributions from the account, the market downturn will not have a major impact on your funds. A good option for you would probably be a target date of 2050 or 2055. Once you set this up, you have to contribute every year, ideally the maximum amount annually. Congratulations.

    Another important consideration: Is your employer Offer a 401(k) or similar retirement benefit, If so, you’ll want to start contributing directly from your paycheck, at least 10 percent of your salary, to it, especially if there’s an employer match (free cash!). -The occasional panic will help prevent yourself from second guessing (this is done automatically so you don’t have to think about it). You can select a target-date fund for that as well.

    Lastly, you mentioned that you are nervous about the current market volatility. I agree that there is a lot of terrible noise about this. The thing is, no one ever hits the market perfectly. Thakor puts it this way: “There is a classic saying that ‘time’ In matters more than the market Time market,'” she says. “You don’t have to sit there worrying about what the market is doing. What matters most is that your money is on its best days in the market. And this is the way to do it.” That it be put in and left there.”

    Finally, some people will tell you that you’re behind on your retirement savings because you haven’t started investing yet, and you need to “catch up.” You can ignore them. The important thing is that you are starting out, and you will be persistent. Once you are more comfortable, you can invest more of your savings and watch it grow.

    The Cut’s financial advice columnist Charlotte Cowles answers readers’ personal questions about personal finance. Email your money puzzle mytwocents@nymag.com

    28Jul, 2022
    how to make usb cable longer

    Red USB 3.0 extension cable.
    ungvar/Shutterstock.com

    All regular USB cables have a maximum recommended length. If manufacturers go beyond that length, they risk affecting the overall performance of the cable. So what can you do when you need to extend the length of a USB cable?

    maintain usb cable performance

    USB interface Initially created to offer a similar cable and connectors for computer peripherals. Peripherals were usually placed at a short distance from the computer, so the USB cable didn’t need to be very long. But the USB standard has gone far beyond its initial capabilities, and USB cables are now used to connect more than just computer peripherals.

    This has led to the need for a longer USB cable. However, depending on the USB generation supported by the cable, it may only be a fixed maximum length, or it runs the risk of offering poor performance. For example, a USB 2.0 cable may be up to five meters long, while a usb 4 cable is limited to 0.8 m.

    Fortunately, there are several ways you can increase the length of a USB cable without losing signal strength.

    usb cable extender

    trip lite active usb extender
    trip light

    USB cable extenders are one of the most common ways to extend the length of a USB cable. They feature one male and one female port, thus allowing you to easily connect your existing cables. There are four types of USB extenders on the market: passive, active and optical.

    Passive USB extenders have regular copper wires and no electronic circuits to boost the signal. Therefore, it is not very useful to extend the cable length beyond the recommended maximum limit. You can use them to extend just a short USB cable; Take care that the total length of the cable and extension does not exceed the maximum limit for usb generation,

    Active USB extenders, on the other hand, contain electronic circuits to amplify the data signal. As a result, they can significantly increase the total length of a USB cable. But the length of an active extender depends on its USB generation. In addition, some active USB extenders can be daisy-chained to further increase their length. Nevertheless, the range of the daisy chain depends on the particular extenders and the USB generation it supports.

    Trip Lite Active Optical Cable
    trip light

    Unlike passive and active USB extenders, optical extenders contain fiber optic cables that use light to carry data signals from one device to another. Light is much faster than power on moving data and less likely to damage the signal, so optical extenders are very handy when you need to extend the length of a USB cable to several meters. But unfortunately, optical extenders are relatively expensive.

    USB Over Ethernet Extender

    USB Over Ethernet Extender
    monoprice

    ethernet Cables are great for high-speed data transmission over long distances, so you can use them to extend your USB cable. you will need one usb over ethernet extender, but this will allow you to increase the length of the cable up to 100 meters. There are single port and multi-port USB over Ethernet extenders. While single port extenders typically do not require external power, you will need a power adapter to use a multi-port USB over Ethernet extender.

    Any USB over Ethernet extender has two parts—one with a male USB port and the other with a female port. One part converts the USB signal to Ethernet, and the other converts it back to a USB signal. All you have to do is plug an Ethernet cable between the two parts, and you’re done. Data transfer speed will depend on the extender and ethernet cable range,

    powered usb hub

    you can also use powered usb hub To increase the length of your USB connection. Like active USB extenders, powered hubs boost the data signal, allowing the signal to travel longer distances. Additionally, you can daisy USB hubs to get an even longer connection. That said, the cables connecting the hub to the computer or the two hubs cannot be longer than the maximum practical length of that cable. On top of that, the USB specification only supports daisy-chaining up to five USB hubs.

    related: Best USB Hub for PC and Mac

    Active and Optical USB Cables

    cable counts active usb c cable
    cable case

    You have two options if you don’t want to extend your existing USB cable and instead want to buy a newer—but longer than standard length—cable. You can opt for either an active or optical USB cable.

    Active USB cables, similar to active USB extenders, incorporate one or more electronic circuits to boost their performance. As a result, they can be significantly longer than passive cables.

    While active USB 2.0 cables can go up to 20 meters, USB 3.2 Gen 1 cables are typically limited to 7.5 meters. USB 3.2 Gen 2 Active cables are even shorter and stand at three meters in height. Additionally, some active cables may operate on power provided by the USB port, others may require an external power supply.

    cable counts active usb c cable

    Cable Matters Active USB C Cable is available in two sizes of three and five metres. Additionally, it supports USB 3.2 Gen 1 speeds and is great for connecting 4K monitors.

    But, if you need to go beyond the length of an active USB 3.2 Gen 1 or USB 3.2 Gen 2 cable, your best bet is an optical cable. Unfortunately, optical cables are relatively expensive.

    Optical USB cables use light to transfer data, as do optical USB extenders. As a result, they can be significantly longer than copper cables. As of writing in June 2022, you will find mostly USB 3.2 Gen 1 and Gen 2 optical cables in the market. However, USB 4 optical cables are starting to appear. A Taiwanese company BKSTEC has claimed to launch first fiber optic usb 4 cable in March 2022.

    related: USB Type-C Explained: What Is USB-C and Why You Want It

    Long story short, you have options

    Overall, while standard copper USB cables can be limited in length depending on their generation, you still have several ways to increase the length of your USB cable. You can opt for either a USB extender or a powered USB hub. But if you want the simplicity of a longer cable, both active and optical USB cables are good choices. Just make sure you are buying cables or extenders from reputable brands.

    28Jul, 2022
    An uncrewed Chinese rocket booster will hit Earth later this week

    Later this week, a giant booster will launch from a Chinese rocket An uncontrolled fall to Earth from space—and because of its considerable size and weight, parts of it may survive descent through our planet’s atmosphere and hit the ground. The chances of the rocket hitting someone and killing them are slim, but a similar falling Chinese rocket caught the spark last year A major worldwide concern, which means this rocket will probably do just that.

    The booster is part of the Long March 5B rocket, which was launched on July 24. Sending a New Module to Orbit for China’s Growing Tiangong Space Station, After the giant rocket reaches space, it leaves behind a fairly large part of itself: its original booster. This booster sticks around in orbit, lapsing the planet before eventually falling back to Earth. Since the rocket portion is over 100 feet long and weighs more than 22 tons, it is possible that up to 9 tons of material could survive the fall.

    Space trackers are doing their best to predict when and where the Long March 5B booster will come down. the situation closely mimics that Global panic over an uncontrolled Chinese rocket last year who fell back to earth, Also a similar uncontrolled reentry in 2020, Both of those examples also involved a core booster from China’s Long March 5B, which does not have the ability to self-dispose in a controlled manner. Fortunately, last year, the rocket came down in the sparsely populated Indian Ocean, but in 2020, the falling rocket lifted debris off the Ivory Coast, sending metal pipes and other objects to villages without injury. Gone.

    Still, the risk to the average human from this year’s rocket is so low that it shouldn’t keep anyone up at night. In fact, for any one person on Earth, there is a six in 10 trillion chance that a part of this rocket will hit you and cause some sort of casualty or injury, according to the Aerospace Corporation, a nonprofit that specializes in space research and develops, as well as provide technical guidance on space flight. But, the fact that space trackers continue to deal with this kind of issue without knowing exactly when and where the rocket will come down is disappointing.

    “Why are we worried? Well, it did damage property last time, and people are having to prepare for it as a result,” said Ted Muelhaupt, a space traffic expert and advisor to the Aerospace Corporation’s Office of Corporate Chief Engineers about the rocket. Said during a presser. “Plus, it’s not needed. We have the technology to not have this problem.”

    In the United States and Europe, the rule for space operators is that if there is going to be some sort of uncontrolled re-entry of space debris into Earth’s atmosphere, there must be a less than 1 in 10,000 chance That the falling object may cause any damage or injury to the ground. This is an especially high bar to clear, which is why US and European missions need to be vigilant about how they dispose of rockets sent into space. “Basically, once you’ve delivered your payload, you spin your rocket around, fire up the engine, and take it back out to sea, usually a place where there’s no population. Marlon Sorge, a space debris specialist and technical fellow at Aerospace Corporation. “You do that, and you put the risk right there.”

    Controlled settlement is something that most launch providers around the world already do. SpaceX and United Launch Alliance, for example, purposefully store parts of their rockets over the ocean after they are launched into space. Furthermore, the core of SpaceX’s Falcon 9 rocket is famous for actually flying back to Earth and landing directly — either on a drone ship or landing pad — after its flights. The Long March 5B’s core booster doesn’t have that capability. Once it’s launched into orbit, the rocket core’s engines can’t really reignite. “They’re designed for single burns,” says Harvard Center for Astrophysics and Space Tracking expert Jonathan McDowell. ledge, “And so this thing just burns once and then turns off, and it dies.” Then we have to wait for it to fall back to Earth as its orbit declines over time.

    The Aerospace Corporation estimates that the risk of casualties from a falling Long March 5B booster is between 1 in 1,000 and 1 in 230. This is more than 10 times the threshold of 1 in 10,000, which is why extreme caution is exercised around this specific case. And whenever China does such a stunt, the US is not particularly happy with it. “Space travel countries should minimize the risk of re-entry of space objects to people and property on Earth and maximize transparency with respect to those operations,” said NASA Administrator Bill Nelson. Where the 2021 Long March 5B Falls, “It is clear that China has failed to meet responsible standards with respect to its space debris.”

    China appears to have heeded the criticism. During this most recent launch, a Chinese official mentioned during the CGTN launch livestream that they have made improvements to the booster’s disposal after launch. “The last clause, or main clause, once it [enters] in the classroom, also [works] As a spacecraft,” Xu Yansong, former director of international cooperation at the National Space Administration of China, said during the livestream, “So we have to bring it back in a safe and controlled manner. So one of the first missions was unable to do that, but later on, we improve our techniques. And so what we call the Passion of the Final Stage is organized, so that we can safely bring the last torso back. ,

    However, it doesn’t look like anything has changed since the last scare. In fact, the European Union’s Space Monitoring and Tracking Network has found that Booster falling through space, indicating that there is no control over the object. So we’ll go through the whole process of predicting where it will go down again. So far, the EU, US Space Force and Aerospace Corporation’s best guesses for when it will come down are late Saturday night or early Sunday morning. related to where It will come down, it will be somewhere between 41.5 degrees north and 41.5 degrees south. That means the roughly 1 billion people living north and south of those lines have zero risk. (Boston and parts of Tasmania—congratulations, you’re out of the zone.) But according to the Aerospace Corporation, 88 percent of the human population lives within that range.

    As we get closer to Sunday, predictions will get more accurate with each passing day, and Aerospace Corporation is Constantly updating its predictions here, The European Union Just like the Space Force is keeping track. What to expect when the rocket comes down? Based on past experience, debris can spread over an area hundreds of miles long along the rocket’s orbital track. Some fragments, depending on their size and weight, may hit the ground slowly, while others may hit the ground rapidly, reaching speeds that can be reached. hundreds of miles per hour. Ultimately, it’s a guessing game, and we may not know much about the event until the rocket actually goes down. “The history of re-entering things has been a history of constant wonder,” McDowell says. “How much really survives resale? Sometimes more survives than you expect.”

    But even though this falling rocket has a slightly higher risk than usual, it’s important to keep things in perspective. “The risk of a person getting a concussion in the head from a piece of space debris in any given year is one in 100 billion,” Muelhaupt said. “You’re 80,000 times more likely to be struck by lightning than space debris. But that doesn’t mean it’s a good thing.”

    So enjoy this new round of falling rocket uncertainty. Once it’s over, we’ll probably have to redo it all. There’s Another Long March 5B Launch Likely scheduled for this fall,

    28Jul, 2022
    List of movies in TIFF – Deadline

    The Toronto International Film Festival is back this year.

    Seriously, they’re really back.

    Unlike last year, which was a fairly quiet festival with fewer stars and feature films at 130 count, this year TIFF celebrates King Street (without streetcars), full capacity maskless theatres, no evidence of vaccinations, live press Will see it closed. A strong span of conventions, concession retreats and orange shirt volunteers, as well as 260 feature films, today the festival announced 18 gala and 45 special presentations.

    In the domestic box office fall and the holiday aisle that’s filled with adult counterprogramming primed for awards season, distributors are now more likely than ever to generate buzz and stock up on older moviegoers. More TIFF launches are needed, which are still making a slow comeback. during the pandemic. TIFF’s critically acclaimed film could inspire a film to cross over to a wider audience, read 2019 TIFF World Premiere hustler Which became Jennifer Lopez’s highest-grossing live-action film with $105M, and even its 2018 North American premiere. a star is born Which saw its way to $215M-plus stateside gross, eight Oscar nominations, and one win.

    “There are films that will launch on the heels of the festival, I hope adult audiences will catch on and revive the movie-watching habit. Thankfully summer is done with blockbusters. There is a different kind of film that will hit the screens in the fall and we are looking forward to getting the audience to go and watch them,” says TIFF CEO Cameron Bailey,

    Out of nine previously announced world premieres, including the opening night Netflix movie swimmer From Sally L. Hosseini, Rian Johnson’s Netflix Title Glass Onion: Knives Out The SecretBilly Eichner’s BrothersClement Virgo brother, Sana Lathan on coming upharry styles amazon prime photo my cops, Viola Davis Starrer lady king, Autobiography of Steven Spielberg fabelman, and Lena Dunham Katherine is called Birdie, The works of Martin McDonagh are (Inisherin. the banshee), Sam Mendes (kingdom of light), Tyler Perry (a jazzman’s blues), Catherine Hardwicke (prisoner’s daughter), Darren Aronofsky whale A greatly adapted, and by and large, one starring Brendan Fraser; Peter Farrelly (The Greatest Bear Run Ever) Reginald Hudlin (Sydney Pointier documentary) Sydney), among many others.

    Other star-studded world premieres feature Jennifer Lawrence in American military veteran drama Causeway, Nicolas Cage Inn butcher’s crossing, in Anna Kendrick Alice, Darling, Jessica Chastain (who started her way to winning the Best Actress Oscar at TIFF last year Tammy Faye eyes) and Netflix’s Eddie Redmayne the good nurse, Anya Taylor-Joy, Nicholas Hoult and Ralph Fiennes in menu, Lily James and Emma Thompson What’s Love Got To Do With It?, Jonathan Majors and Glen Powell Inn devotionJudi Dench in Sir Richard Eyre’s Geriatric Ward play allelujah And Sally Hawkins and Steve Coogan in Stephen Frears’ The lost king

    Last year, films competing for the highly coveted Oscar Belvedere TIFF award, the Grolash People’s Choice Award, were required to be screened at the festival in person and online, however, this year those rules have changed as Bailey says, “We are a fully-person festival”.

    With regard to the hybrid nature of this year’s 47th edition, “we will have only a small sample of the films available in Canada to watch online at home. The festival is taking place in person, in cinemas, and that’s where we all see.” want,” Bailey says.

    “We are excited to welcome some of the most celebrated personalities in films to Toronto to present their gala and special presentation films,” he adds. “With stories and feature performances spanning six continents you just have to watch, this lineup delivers the rich experience we look forward to all year long. Cinema is alive. The red carpets are back. And the world’s best audiences are in Toronto.” are waiting.”

    Usually Spielberg’s awards season entries are wired even before their release (remember 2005’s Munich?), but here’s the 3x Oscar winner whose November release is roaring to go to TIFF. Not to mention, filmmakers don’t always world premiere their films at festivals; ready player one Being the ultimate title in SXSW. Talking about how TIFF saw the filmmaker’s debut at the festival, Bailey explained, “We are a longtime partner with Universal Pictures. We chat with them about what they’re up to in the fall, it was definitely high on our list and on their list as well.

    “When we saw the film, we reacted in a strong emotional way. I sent a note, which was sent to Steven, about our own reaction to the film, how impressed we were with it, the movies and the movies. How a beautiful love letter,” he continues.

    “Toronto is a place where audiences are paramount. Audiences define the shape of the festival, the movies that everyone is talking about and go on to further notice and elsewhere,” Bailey said. “The emotional reaction we had when we saw it would be magnified when our audience saw it; that embrace would be stronger and more furious than anywhere else.”

    Talk about a celebration that seems to be getting louder a year after Hollywood was reluctant to venture across the reopened Canadian border, mega-performing artist Styles is reportedly in for the world premiere of his Love Triangle film. Will be in Toronto for my cop, However, Curiously not receiving a North American premiere after its Venice Film Festival world premiere is the Olivia Wilde-directed erotic drama starring Styles. Don’t worry darling. Sources told Deadline that a situation should not be created at TIFF where a star like Styles has two competing projects pulling up on his profile. Bailey says why don’t worry darling TIFF has MIA, “Great question, not the one for me, this one for Warner Bros.” In relation to Styles’ other titles at the fest, “If you’re looking for fangs, you’ll want to see my cop,

    With the return of in-person festivals to lively, Bailey says drive-in premieres, which were implemented during the pandemic, will no longer take place.

    “We had two years with the drive-in and it was an exciting new thing for us, but there are all kinds of new complications of showing movies to people sitting in their cars, as you can imagine, but its For the moment, we’re done,” Bailey says.

    Before the pandemic forced TIFF to go hybrid over the past two years, attendance in 2019 jumped to 307,362 reported for its last in-person event. Bailey feels excited that with the increased offerings this year, the audience will indeed return to the festival.

    “We are expecting full houses. We know from the ticket packages we’ve been going through for the past few weeks, some of them are already out of sale, but there’s still plenty available. For what we have seen so far, there is enough appetite that we are expecting a bigger audience. ,

    gala presentations
    *previously announced

    Alice, Darling
    Mary Nighy | Canada, USA
    world premiere

    Black Ice
    Hubert Davis | Canada
    world premiere

    butcher’s crossing
    Gabe Polsky | America
    world premiere

    The Greatest Bear Run Ever
    Peter Farrelly | America
    world premiere

    hummingbird
    Francesca Archibugi | Italy, France
    world premiere

    to hunt
    Lee Jung-jae | South Korea
    North American Premiere

    a jazzman’s blues
    Tyler Perry | America
    world premiere

    Kacchey
    Limbu Shubham Yogi | India
    world premiere

    moving on
    Paul Weitz | America
    world premiere

    Paris Memories
    Alice Winokor | France
    North American Premiere

    prisoner’s daughter
    Catherine Hardwicke | America
    world premiere

    Raymond and Ray
    Rodrigo Garcia | America
    world premiere

    perch
    Amy Radford | America
    world premiere

    Sydney
    Reginald Hudlin | America
    world premiere

    Son
    Florian Zeller | United Kingdom
    North American Premiere

    *swimmer (Opening Night film)
    Sally L. Hosseini | United Kingdom
    world premiere

    What’s Love Got To Do With It?
    Shekhar Kapur | United Kingdom
    world premiere

    *female king
    Gina Prince-Bythewood | America
    world premiere

    special presentations

    allelujah
    Richard Eyre | United Kingdom
    world premiere

    all Quiet on the Western Front
    Edward Berger | USA, Germany

    Inisherin. the banshee
    Martin McDonagh | United Kingdom, Ireland, USA
    North American Premiere

    blueback
    Robert Connolly | Australia
    world premiere

    blue kaftan
    Maryam Touzani | Morocco, France, Belgium, Denmark
    North American Premiere

    Broker
    Hirokazu Kore-eda | South Korea
    Canadian Premier

    *brother
    Clement Virgo | Canada
    world premiere

    *bros
    Nicholas Stoller | America
    world premiere

    *Katherine is called Birdie
    Lena Dunham | United Kingdom
    world premiere

    Paved road
    Purple Newgebauer | United States of america
    world premiere

    Rajput
    Stephen Williams | America
    world premiere

    bodice
    Marie Kreutzer | Austria, France, Germany
    North American Premiere

    decision to leave
    Park Chan-wook | South Korea
    North American Premiere

    devotion
    JD Dillard | America
    world premiere

    driving madeleine
    Christian Carrion | France
    international premiere

    alternate
    Diego Lerman | Argentina, Italy, Mexico, Spain, France

    kingdom of light
    Sam Mendes | United Kingdom, USA
    Canadian Premier

    eternal daughter
    Joanna Hogg | United Kingdom
    North American Premiere

    *The Fablemans
    Steven Spielberg | America
    world premiere

    *Kanch Ka Pyaaz: A Knives Out Mystery
    Rian Johnson | America
    world premiere

    good night op
    Ryan White | America
    international premiere

    the good nurse
    Tobias Lindholm | America
    world premiere

    holy spider
    Ali Abbasi | Denmark, Germany, Sweden, France
    Canadian Premier

    joyland
    Sam Sadiq | Pakistan
    North American Premiere

    king’s cavalry
    bian gangs | Nigeria
    world premiere

    the lost king
    Stephen Frears | United Kingdom
    world premiere

    a man of reason
    Jung Woo-sung | South Korea
    world premiere

    menu
    Mark Mylod | America
    world premiere

    * on come up
    Sana Lathan | America
    world premiere

    a good morning
    Mia Hansen-Lowe | France
    Canadian Premier

    other people’s children
    Rebecca Zlotowski | France
    North American Premiere

    moonlit daydream
    Brett Morgan | America
    North American Premiere

    *my cop*
    Michael Grandage | United Kingdom
    world premiere

    Midwife
    Nikyatu Jusu | USA
    international premiere

    no bear
    Zafar Panahi Iran
    North American Premiere

    The Return of Tanya Tucker: Featuring Brandi Carlile
    Kaitlin Horan | Deer
    international premiere

    St. Omar
    Alice Diop | France
    North American Premiere

    sanctuary
    Zachary Wigan | America
    world premiere

    stories should not be told
    cesk gay | Spain
    world premiere

    triangle of sorrow
    Reuben Ostlund | Sweden, United Kingdom, USA, France, Greece
    North American Premiere

    Come near
    Hong Sangsu | South Korea
    world premiere

    wendell and wilde
    Henry Selick | America
    world premiere

    whale
    Darren Aronofsky | America
    North American Premiere

    talking woman
    Sarah Polly | America
    international premiere

    Wonder
    Sebastian Lelio | United Kingdom, Ireland
    Canadian Premier

    28Jul, 2022
    Personal Loan Vs. Credit Line: How to Choose
    • Personal loans and lines of credit are two ways to raise cash for any purpose.
    • A personal loan lets you pay the entire amount upfront and it can be good when you know how much you need.
    • If you plan to use the cash when you need it and aren’t sure of the total amount, a line of credit may be best.

    There are all kinds of loans available to suit specific needs in life, such as paying for college, financing a new car or buying a home. When you need money for reasons that don’t fit into any of these specific categories, a personal loan or line of credit can be a good option.

    “Both personal loans and lines of credit offer two different ways to reach the same end goal – borrowing,” says CFP® professional and founder Dani Pascarella. One XI Financial Wellness,

    You can use money from a personal loan or line of credit for anything.

    Personal Loan Vs Line Of Credit: At A Glance

    While both options are available if you need to borrow money, there are significant differences in how to obtain and use personal loans and lines of credit.

    • personal loan There are one-time installment loans that you can use for any purpose, such as paying for an emergency expense, a home appliance, or even consolidating debt.
    • lines of credit Allow you to borrow and make payments on an ongoing basis. You can borrow up to the maximum sanctioned amount based on your credit history.

    What is Personal Loan?

    With a personal loan, you get the approved amount in one lump sum and then make monthly payments till you make the full payment. Those payments include the principal amount or the amount you borrowed, along with interest.

    When applying for personal loanMajor things to consider include:

    • Credit and Income Requirements
    • Rate of interest
    • Fee (if any)
    • Terms, including how long you have to pay it

    “A personal loan makes sense when you know how much money you need to borrow,” Pascarella says. “Borrowers prefer this approach because there is a clear end date when this loan will be paid in full, and the fixed monthly payment makes it easy to add the loan to the household budget.”

    Personal loans are usually unsecured, which means that the biggest determining factor in approval is yours. credit score, The higher your credit score, the more likely you are to be approved at the lowest interest rate available. For bad and fair borrowers, you may have a hard time getting approved and if you do, it could result in a higher interest rate.

    If you are having trouble qualifying for an unsecured personal loan, some banks offer secured loans. Secured personal loans are backed by collateral just like other types of secured loans, but for personal loans, they are slightly different. they are backed by your savings accounts or certificate of deposit(CD) Account. Your loan will usually be a percentage of the account balance, determined by the bank or financial institution you go to.

    Rate of interest Personal loans are usually lower than for loans, but this depends on your creditworthiness and the lowest interest rate you should be offered to prove how responsible you are as a borrower.

    When is a personal loan better than a line of credit?

    A personal loan may be better than a line of credit if:

    • You know exactly how much you need. If you have a specific goal in mind, such as buying a new device or paying off outstanding medical debt, a personal loan may be just what you need to cover your expenses.
    • You want to make consistent monthly payments. Personal loans have fixed interest rates, which means you will pay the same amount every month for the life of the loan. If your budget is very low and your budget is very less, then personal loan can be a better option.
    • You are consolidating debt. If you have a lot of outstanding with high interest rates, you can consolidate it with a personal loan. You will borrow the entire amount you wish to pay. When you get the lump sum amount, you’ll pay off all your debt and then make a monthly payment to your new lender.

    example of personal loan

    Let’s say you’re planning a wedding reception, and the venue needs to be half the cost. Maybe you’ve saved some for your big party, but you might not have enough to cover a large, one-time expense. You can take out a personal loan to cover the venue deposit and then make manageable monthly payments to repay it.

    What is a Line of Credit?

    A line of credit is a flexible funding option that you can use when you need revolving access to cash.

    With a line of credit, your lender sets the maximum amount you are eligible to borrow. You can then borrow as little or as much as you can. In most cases, if you pay off the entire balance by your monthly due date, you can avoid paying interest. You will need to make a minimum monthly payment to remain in good standing. You pay interest only on the amount you borrow—not the entire amount you’re approved for.

    Most lines of credit are vulnerable, which means you don’t need collateral. Credit cards are a good example of this. Lenders use your credit history, credit score and other factors to determine how much you can borrow and at what interest rate. However, some lines of credit, such as a home equity line of credit (HELOC), are secured by using your home as collateral.

    Personal lines of credit have a draw period, where you can borrow as needed and start making payments. Then there is a repayment period during which you cannot borrow until the balance is paid off in full. Credit cards allow you to borrow up to the maximum amount for which you have been approved. If you reach that limit, you can’t borrow any more until you’ve made payments that reduce the principal balance.

    “If you’re looking for flexibility in borrowing, when you borrow those funds, or your repayment plan, a personal line of credit is a great option,” says Pascarella. “As long as you meet the minimum monthly payment, you can repay the loan in your desired time frame.”

    When is a line of credit better than a personal loan?

    A credit line is a good idea if:

    • You are not sure how much money you will need. If you have a vague idea of ​​how much you want to borrow, but think you may need more, a line of credit gives you the option to use more when you need it.
    • You can pay in full. Interest rates for personal lines of credit and credit cards run higher on average than for personal loans. Interest rates apply when you carry a balance month after month, so if you pay your balance in full by the due date, you can essentially borrow interest-free.
    • You want to use it for a long time. Lines of credit can be maintained for several years. For personal lines of credit, this can be around 15 years, while you can maintain a credit card account for decades. If you want the option to withdraw from the account for several years to come, a line of credit is a better option.

    example of a line of credit

    Let’s say you’re getting married and, in addition to a big venue, your florist and caterer also need a deposit for the big day. Coming up with multiple expenses – and some you’re not sure about – you can use a personal credit line to transfer money to your bank account and make deposits on time.

    You can use a credit card to cover minor expenses during the wedding planning process or offer generous cashback to make larger purchases. For example, you can use a travel credit card to book a honeymoon and in the process, you earn a free flight through earned points.